You are right I don't trade opm, the way I read MS post is one needs to get access to capital one way or another, (trading OPM beeing probably one of the less risky ones if not the the easiest). A few posters here, including myself are fans of leverage it seems, looking for big numbers, just don't forget the use of leverage increases the risk of ruin, but I suspect most people who make more than a few bucks in the markets and use leverage keep some assets on the side in case their account blows up, which is definetely easier said than done when one is beginning. Again I think borrowing is important, difficult to ever get ahead just saving from one's salary, which doesn't apply only to trading - and fwiw until I was fairly confortable, I was definetely invested all in in my company, than later couple of companies, with significant short term debt. Quite stressful but luckily it paid off, although nowhere near what i'm still dreaming of.