PJ is correct. It is estimated in about 5 years that land value is going to take a major dive, including the rest of the US and world Economy. So my dad is only doing small time business. However, as you mentioned being in debt isn't totally bad, being 2k-20k in debt (as most college students will be around that margin or greater) is still manageable, but debt can indefinantly retard a business ventures growth. Debt is not a good thing whatever you may tell yourself. However, keeping your money in the hands of banks IS a good idea, the interest of your money being impounded in the bank can triple your funds quite quickly, the more money you have in a bank the more interest it gains. of course once you think you have enough it's always a good idea to take whatever Interest you gain and store it in a Suisse Bank Account or one that stands almost absolutely no chance of going bust. Real Estate investment is a good market to get in if you have a keen sense for growth, I however, lack that scent for the most part. My Future endeavors will not be situated around the business world as I find it EXTREMELY boring.