I have access to wholesale pricing, and I can check it out, but it is a bit of a pain.

Matthews IV - @Natalie Kolodij is correct, working with two professionals can be a bit of a pain on the client end and can get quite expensive when you have two professionals not only trying to create their tax strategy for you, but then also working behind the scenes to discuss strategy with the other professional to make sure they align.  

I would be interested in hearing about pain points from the community and possibly developing solutions for these.

Too much of a pain reporting annually to an institution with hat in hand.  

However audits are a pain and how much is it worth.

If you decide to live on more of your pay later, you can take my suggestion and work your way back up to 50% without any pain.  :-)  

Someone applying for a half dozen credit cards a month is signaling to the FICO algorithm that they are probably on a downward spiral and putting rent & car payments on the Visa.- Smaller loan amounts have higher rates.

Lick your wounds and move on, painful as it may be.

At the local meet several agents walk up to the group introduce themselves stating they have tape and are wholeseller, pocket listings when I notice their license number signaling they are brand new realtors with ZERO transactions that is the end of it.

They are sending clear signals that you aren't top priority