Solution #1 - Austerity - it would eventually turn the ship around - but that's 5 or more years of under-consumption, increased savings and paying down debt.. living below our means - which means a sustained weak economy (high unemployment, demand destruction and a slow leak in asset prices).

We both make a very decent income but we don't see any of it because we have had a high consumption lifestyle for far too long.It's good that you found that discipline and took control over your situation to realize your goals.

I tend to agree with him.I am not sure what part of that $300 is due to my irrigation since I don't know his "normal" consumption rate.I have dialed back the timer to water now only 10 minutes on MWF.There is also a possibility of a leak, but I doubt it.Any recommendation on what's the best way to handle this?

Impact of climate change and consumption habits on your rentals must be factored in these days as does the resiliency of the portfolio based on the local industries and how they can be impacted by things like fires, storms, even decreased demand for fossil fuels.There are other things to consider but I’ll stop now....

The cost to turn on the power and have it hooked up is a fixed cost, it does not matter waht consumption is.

More people cooking/sharing a kitchen, more showers being taken affecting hot water consumption, more persons to occupy one of the couches or tvs, more personalities to adapt with and keep consideration for, etc., plus the utilities you mentioned- water, Wi-Fi, shared amenities such as paper towels and soap etc.I’m not trying to be combative, as your point makes sense.

Core Personal Consumption Expenditures Quarter over Quarter5.

In this scenario you max out your 10 loan limit and they can also do the same allowing you to increase the amount of consumption to 20 loans.

If that's the case, why aren't you arguing that all guns should be illegal, skydiving should be illegal, alcohol consumption should be illegal, driving cars should be illegal, swimming pools should be illegal, airplanes should be illegal, restaurants should be illegal (people die from food poisoning and chocking), being a roofer should be illegal, etc.There are many more deaths from those things above (and a higher probability of dying) than from hookers passing on HIV.Can you explain to me why the tiny health danger posed from prostitution should make it illegal while all the other things in the world that are much more dangerous should still be legal?

Since Fannie Mae guidelines are published for public consumption, there's no secrets with this stuff.