Deb Johnson needed $10,000 to make a down payment on her house. She instructed her broker to sell some stock to raise the $10,000. Deb's cost of the stock was $3,000. Based on her broker's advice, instead of selling the stock, she borrowed the $10,000 using the stock as collateral for the debt. 

Do you agree or disagree with the broker's recommendation? Explain your response. Discuss the tax implications of Deb Johnson's actions.