So the question for her to decide is do I want to continue investing my retirement in wall street or do I want to move some/all the funds into alternative assets like real estate that can far out perform the stock market.   

Hi, I’m trying to decide whether I continue to actively invest in single-family (or small multifamily) long-term rentals or invest with a multifamily syndication.

Unless she hates her job it probably makes sense for her to continue with the high earning (and hopefully saving) so that she can look as bankable as possible as she gets into RE.

There have been multiple legal challenges to this position of the FTB (California tax department, or Franchise Tax Board), but I don't believe any CA resident won such a fight.

& Please no fighting :) Everyone is just trying to help each other out.

What markets and strategies are you intersted in as you continue to grow? 

I'm glad it's working out for you now, and I hope it continues into the future.

I agree with you on the value of the assumable VA loans as interest rates continue to go up. 

You can fight them, and before you do tell them you are going to have your attorney reach out.

Many attorneys charge a consultation fee that will be credited to my bill if I continue to work with them but I don’t want to pay for various consultation fees unless I know for sure that I have contacted the correct attorney.