@Marc Rice is that even with taxes and insurance already in the mortgage payment?

Mortgage lending has errored more liberal of late, in response to significantly reduced refinance demand (one way to make up for a loss of business in Category A is to loosen guidelines in Category B -- if less people want to buy rice, then increase your pasta offerings in your grocery store, to grow your pasta business, to make up for the decline of rice sales).

@Marvin Rice, I couldn't agree more.

With two scoop rice.

Live on beans and rice forever and tell everyone they're "early retired" living on passive income?

At those levels, many of the proteins have dissipated.

Investing is fun and profitable when you enough RICE to start.  

I eat, EVERY SINGLE DAY, Spanish rice, and cupped soup as my meals which is fine.

Joseph Rice -- I am not looking to invest full time.

If I don't stay on them like white on rice, the tasks that I am PAYING them to do don't get done how I want them to.