For anybody who earns more than their expenses- additional cash flow and increases in net worth are interchangeable. Meaning that if you gave me 10k in cash I'

For anybody who earns more than their expenses- additional cash flow and increases in net worth are interchangeable. Meaning that if you gave me 10k in cash I'd just invest it in an asset that appreciates, so if you give me 10k in home equity, which is an asset that appreciates, it's almost just as good.