We are now VIOLENTLY non-smoker and wish we would have done this years ago. 

One of the worlds top experts on infinite banking.I’ve done a regular whole life policy & it’s now aged & primed to borrow low rate policy loans against it.I’m not doing more personally as I got attacked with a $500k+ debt bomb a couple years ago that was not in my control right as we are facing a violent economic storm & dollar currency collapse.I recommend people move assets they don’t want to lose & grow into silver & crypto!

I’m of the opinion that collective modest cash flow that fluctuates violently across different investments is acceptable, if not more desirable, if it allows for more opportunities within appreciating markets.  

In 2005 (when everyone can get a mortgage), class A rents and occupancy were dismal because their tenant base were buying homes"D" and "F" areas are way tougher than "C" and even though I made money in D and F, I don't recommend them for the newbie investor.For perspective, here's how I would classify the areas:A - upper middle class/ income way above median/ very low crime/ best schoolsB - middle class/income slightly above median to median/ low crime/ good schoolsC - lower middle class/median to slightly below median income/median crime/ok schoolsD - lower income/high crime/one house every other block is boarded upF - lower income/90% of violent crimes happen here/ every other house is boarded up

The market should correct itself eventually but it will not be a violent correction a la 2008 Housing Crisis as many want/expect.