As a hypothetical: Why do you think people are willing to put money into accounts that they pay no taxes on now, but will have to pay taxes on later? There's

As a hypothetical: Why do you think people are willing to put money into accounts that they pay no taxes on now, but will have to pay taxes on later? There's multiple reasons, and they all tend to apply to equity too. As a bonus, equity in things like property has even more bonuses for taking loan cash now and repayment later: things depreciate in value (theoretically), and you get write offs. There's all sorts of tax shenanigans you can do to shift around what money you owe when to minimize your tax burdens. Getting 'paid' with a loan is one of them. Another major thing is: they can borrow so much that it doesn't matter. If you could borrow a billion dollars based on your house, would you do it? Do you think you could turn that money into something more? What if you never turned a profit off that billion, and instead just lived off of it. Then died. Never paid any taxes, because you 'lost' money every year. Combine that with all the BS you can do with estate taxes, and you can probably send a huge chunk of change to your kids too.