Everyone over age 18 should pass a criminal check and be comfortable that they are enhancing rather than harming the property and household dynamics. 

They seem to jump at any chance they get to harm me.

Some may never consider the harm done to sellers unless someone speaks up.

That is unethical, dishonest, and may harm a seller.

I will continue to take the meager match my employer gives (25% match of 6% of salarty), but I don't see the harm in cashing out the 22k from the old Roth 401k and then start over with my new employer and deploy that 22k into cash flow producing assets. 

I am certainly hoping that is the case; as mentioned above, I will certainly be more present socially through applications but I am looking for something more in substance. 

He's associated with Clayton Morris, a complete crook  and he sells $700 seminars that just upsell to his platinum $15k tax strategies McRib whatever with no substance and no guarantees.  

Am I harming you or offending you?

No harm no foul?

As a general tort matter, owners are liable for any legally cognizable harm caused by their pets (and not all pet bites result in liability, but some do and that's all that matters for the purposes of this post).