If you can get over the mental thought that you "gave away" 60% and look at the math, what the math does, I think it will blow your mind.

We had one incident where a tenant got divorced, mentally fell apart, received a dog as a gift and kept it locked in a bedroom all day.

There are other currencies that may be worth while, but be careful about the assortment mentality. 

Then two, it's the versatility of the city to flex different routes for managing the real estate was the better option(for me). 

She said this dog is her emotional support dog and then gave me a letter from her mental health provider. 

That mental switch allowed us to find a great 2-family house-hack opportunity in Bayonne, NJ, and also led me to an amazing career change -- I've been a full-time NJ Realtor for 2.5 years now and have helped many BiggerPockets folks find their first house-hacks -- a good % coming from NYC.  

Your Mental Health.

We found evidence of mental health and familial issues, all sorts of debt, IRS issues, and even YouTube videos showing a life in disarray. 

I think of it as more versatile Plan b, or extra option to help keep flexible with any partial amounts that are not enough to invest alone.

The biggest thing right now is to stop putting up mental blocks—you can achieve success as a mom of 3, but it’s crucial to push past the mindset of failure.