My investing philosophy in 5 bullets:
1. Start buying S&P index in 2000 (age 20)
2. Keep your job during 2008, buy more
3. Quit finance, reduce income by 90% and use some margin to bridge cash flows
4. Realize that you can easily clear funding rates (and maintain 10% lvg)
5. Don't pay capital gains (ever). Maybe pay back the loan when I'm 6 feet under