Financial freedom goes beyond simply replacing your current income—it's about sustaining your lifestyle for life.

Quote from @John Underwood:He still to the day says this is the worse thing he has ever done in his life I was told many times growing up (and repeat hearing that voice as an adult).   

To add-on to what @Russell Brazil detailed, there is some important life changes that can fast-track things. 

Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

Those properties won't look as good on paper, but they'll perform MUCH better in real life. 

I know Dan Deppen and Chris Seveney both have membership style organizations.  

You can invest in both CA and out of state and experience what works better for you and your lifestyle and goals. 

I find great satisfaction in watching projects come to life, building relationships, and tackling challenges.I also have an entrepreneurial spirit and a keen interest in the real estate market.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

However a key to that is that you need to bomb several times due to the lengthy life cycle of the fleas once they get inside.