Since you mentioned privacy no one will share their secret here. Because privacy is yours alone. In the case of house construction, he builds his house according to his ability. If someone has enough money then he will never take a loan to build a house and try to build a house with his own money but the person who has limited money to build a house he cannot complete the construction of a house with the amount of money he has. Can build house with loan. It is better to build a business with that money than to build a luxury house. Because if a system can be properly wired then it is possible to fulfill many other dreams from that business in the future not only the house. So money should be spent according to specific plan without spending money unnecessarily.
I agree with you. It is hard to try and push oneself into building a house without enough money, you will always end up getting loans just to finish building the house. On the other hand, if you use the money you have for business that money will have a great potential to grow. It is really about planning everything.