Leveraging low borrowing costs to invest in higher-yielding assets can significantly enhance a consumer's financial position. For example, refinancing a mortgage at a low rate, such as 3%, while earning a return of around 5% from T-bills, mimics the strategies employed by hedge fund managers. This creates a hedge against inflation, allowing consumers to sustain their spending power even in challenging economic circumstances. Effective management of borrowing and investment ultimately positions consumers to strengthen their financial standing.

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