I can actually relate to that.So here's the deal, you may as well just throw in the towel for this batch ok.  

Now she said it may a bit on the conservative side but that is almost cut in half.

I decided sense I was going to continue to invest, and help those around me, I may as well get licensed!

May as well protect these people from themselves too because we all know that they rarely follow through on the purchase which just means they wasted even more money than they needed to and continued down the spiral of poor money management (this is not based on experience, just what I read about the reality of lease-options & odds of actually making the purchase).Anyway, feel free to tear my post apart but this is one view from outside the profession.

We may as well be rich when it happens. 

This is for the rivers, Maya ruins, less touristy, country living. 

You may as well have quoted the devil to Jehovah Witnesses!

I may as well skip that and move on to the next logical step of... well, actually I don't even know.

Of course, I like to consolidate, too, when possible (may as well clean the gutters if you  already have a ladder out and are painting and trimming trees, for example)..

What I took from the thread is that you may as well NOT take the risk with the adjustable rate of a heloc and just make extra payments to your mortgage directly.