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| it doesn't matter if you have the extra $20,000 you borrowed on the tractor note paid off if you have money borrowed against anything else you are still paying interest on an extra $20,000. You could have used that money to pay off land debt or put it in the bank.
Atleast that is the way I look at it, I could be wrong though, I still have a loooot of debt so I'm not usually looking to add anymore than necessary.
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