Agamemnon, it looks like you've already made up your mind. Leave it at that.
I read your original post and came to a conclusion that you are someone who has a hard time managing your personal finances to some extent (old beat up car, run down condo, NO CASH to fix either).
Most people that have issues saving money ( which requires them to be disciplined ) don't fare well in investing which requires nerves of steel and very strong discipline.
In the end, tt's your money. I just gave you a perspective from someone a little more old school. Someone who remembers when people were debt free and happy. I guess that way of thinking has no place in today's life. If you don't have $100.000 debt you're not a patriot
