My name is Ryan Montes, and I am a branch manager with Change Home Mortgage, based out of Anaheim Hills, CA. 

vs. a high-impact coaching program that makes it a cake walk.I think this is an important call out and something worth reflecting on, before you (or anyone else) invests $x,xxx-$xx,xxx.

What's going on in the community would be the icing on the cake.

If you can roll all of that to Florida and eventually move there you can consider the state income tax savings icing on the cake. 

I've seen a lot of crazy stuff, but that may just take the cake. 

How could PM take the whole cake??

@Tony Kim I think you`re just looking at the allocation of money strictly from a Return on  "investement" (being a poor investment), where as the point of a Life Insurance/Living Benifits policy. what your Paying for is in case the individual becomes incapacitated/ has an Illness or Dies, there is a large sum of money that the family receives (and would not otherwise have) to help pay for expenses associated with the unfortunate event, and being able to carry on with life with less of a financial burden compounded with the emotional burden . being able to have retirement money liquid is icing on the cake. 

@Jay Hinrichs my parents as were many in that age group were self employed their entire lives and retired early but it was no cake walk.

Debt for a cash flowing investment property in a good neighborhood with a minimum 25% equity stake doesn't make me nervous for the following reasons:  the debt makes the property less of a target for lawsuit scammers,  re-fi loan proceeds are tax free money for me to spend,  with a 20 year loan a decent amount of debt is retired every 5-7, and market appreciation is icing on the cake.

Fruit-cake maybe, wack-job sure, but the psyco is a smart psyco.