D has lived all of his life in Texas, a state with a virtually unlimited homestead (and also one you don't want to mess with). D is retired and living off his investments in a $1,500,000 home, which is encumbered by a $700,000 mortgage. Because of some bad investment decisions, D is considering filing for bankruptcy. D has $650,000 in his bank account. If D used that $650,000 to reduce his $700,000 mortgage and later files for bankruptcy, would that be another bad investment decision?