Do you own a house? Do you have a mortgage? That's using other...

Do you own a house? Do you have a mortgage? 

That's using other people's money, you might not think buying a house with a mortgage is speculation, but that's exactly what it is, you're speculating that the house price will increase and that interest rates will stay the same or decrease, unless you've locked in the interest rate. And that's speculating as well.