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Sometimes you need to borrow money. Most people in the US have all kinds of loans, car loan, house loan and so on. If you want to run a business, you might also need business loans. It's an art to borrow money smartly.

And Jacob said, O God of my father Abraham, and God of my father Isaac, the LORD which saidst unto me, Return unto thy country, and to thy kindred, and I will deal well with thee:

Usually buying real estate have a less probability to lose money. But it does not mean your money will definitely grow. Even your money did grow, it is not necessarily grows as the way you expected. Putting your money in the smart place is what money management all about.