You just won $10 million in the lottery which you deposited in your savings account. You plan to use $5 million of the $10 million to financially invest in crypto currencies where you estimate you will get a 4% return for the year. Your friend says that you should look at the current rate of intertest before taking the $5 million out of the bank to purchase crypto currencies. You say that there is no reason to consider the current rate of interest since you do have enough money in the bank to cover the $5 million purchase and, thus, you do not need to and will not take out any loan. Is your statement correct that there is no reason to consider the current rate of interest since you will not take out a loan.