text: I'm personally philosophically opposed to this concept.  These kinds of accounting optimization strategies are fine but they don't really define in my experience why some people have money and some people don't.  Tinkering with financial schemes and accounting tricks is best left to the experts even for wealth individuals.  
  
  The real way to make money is to manage your own psychological energy.  I don't really think you need to be any more financially sophisticated than to create a few buckets to dump your money into.  Your personal home is one bucket best left full.  By leaving your personal home bucket full you can free up some psychological energy to focus on other investment buckets without concern for your or your family's material well-being.  Risk everything in your other investment buckets, not the one where your family lives.  That should be a last resort only in my opinion regardless of your risk tolerance.