Comment by n144q

And what if Apple is not up 40% this year?

Apple was down 24% during Dec 2021-Dec 2022. It could have happened this year, could happen next year. Nobody knows.

By comparison, VOO was down 18% during that period. If you put money in Treasury bonds, you come out positive.

My point is that there is a reason behind many practical, reasonable financial advice instead of "cash advance at 20%, and if you are lucky, you could still be ahead".