I think sleep flushes beta-amyloid and tau proteins out of your brain.

As Dave Ramsey would say, Beans and Rice!

Live in rice and beans, pay off debt and get as far away from ZERO as you can!!

I have a protein shake for breakfast, chicken salad (with low fat mayo and mustard) for lunch, and whatever my wife cooks for dinner.

Did you know that there are rice paddies in the area around Sacramento? 

There are great websites like PenscoTrust.com and trustetc.comThe private banker concept started in the 80s to get people to open up a self-directed IRA and lend you money, you the real estate investorOne of the best ways to educate a potential private lender is to give them a book written by Patrick Rice and it's called IRA wealth, try to get them used on Amazon and hand them out it's what I do to financial planners and CPAsIf you can educate yourself on private lending and help people move money from a traditional IRA into a self-directed IRA you can get quick loans for your deals

Some would live on beans and rice rather than miss a rent payment. 

Assuming beans and rice.

I suppose they serve a purpose for some people for short term, but their solutions are eating beans and rice to survive, throw all of your money to pay down debt, switch to a 1 year fixed mortgage, etc.

The tear-down to build-up action you describe sounds more like Rice Military, or do you mean Independence Heights?