That is people investing based on market momentum and hype rather than for fundamental mathematical realities.

My net worth is high enough where the peace of mind significantly outweighs any mathematical benefit.That being said, my CPA swears up and down that I should but my first rental property with 50% down instead of paying cash, so I'll listen to her.In terms of programs, I'm honestly just going to read every book I can get my hands on over the next 6-9 months, grab a mentor or two, and see where that takes me.

If you can find an investment that returns more than the interest on your debt, mathematically that is the best use of your dollar.

I'm (as of this posting) 26 years old and teach junior high and high school mathematics.

I think you'll need to re-think your goals or strategy because putting down $50K when you make $50K isn't mathematically possible.  

I was just wondering if there was some complicated mathematical formula I should be using to figure out my ROI.

If you are mathematical and want to get real detailed with it, learn how to write a discounted cashflow model in excel. 

It's mathematically impossible. 

But they cannot prove it Mathematically because they don't know how to do it on a spreadsheet.By learning how to do it yourself, you can basically ignore the noise and see it for yourself.Here is the Math:Eventually, after a while, you will get to know whom you should talk to and whom you should ignore.The great thing about the Math is that you can easily distinguish the difference between those that seem to know and those that actually do.In the picture above, the math shows the example I gave at the beginning of the post.

Strictly mathematically speaking, if you're still interested in investing, will you make more money per month by selling and buying something new?