2019 Goals: My last year in College- $10K in savings (Not Accomplished)- All A's (Not Accomplished)- Church every Sunday (Not Accomplished)- Read Bible every morning (Not Accomplished)- Read 20 minutes every day (Accomplished)- Go to Chilis 11 times only (Accomplished.

Learning is great and having guidance can expedite and often saves unnecessary heartache. 

If you’re not already using similar software, I’d highly recommend exploring these options—they can save you a lot of headaches down the road.

The reality is stocks are NOT "investing", there savings accounts with super charged interest earning potential, that comes with the risk of going to 0.  

I have tried to do a HELOC but I’ve recently retired from the military and haven’t started another W2 therefore lenders don’t want to approve the HELOC.

A lot of people negatively arbitrage their 30-year mortgage, after taxes, if they keep money in a high yield savings account instead of prepaying their mortgage, because the savings account pays 4.25%, and their mortgage rate is 3.75%.

This is my pre-retirement preparation.

Mainly the Brokerage is for me just to sell the properties that we fix and flip and save the commission.

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

No matter what you do I think you are going to have guests point out that something isn’t working which could lead to annoyance or requests for refunds or bad reviews.Plus, providing bottled water over the long term probably isn’t going to save you much money compared to paying a plumber to get the fridge connected.