I use those miles when prices spike and it makes sense to use miles for a trip.. or in the past I only used the miles for international business class which is a great use for those miles and paid for first class tickets on all business trips.. keep in mind you get a ton of perks with first class tickets no charge on luggage no change fee no cancel fee special check in line plus special line for TSA if your not TSA pre check which we always are anyway.. sometimes a discount to the lounges which again are critical for the frequent flyers enjoyment and experience. 

You will move at your own speed on things---uncomfortable things might take longer.As long as you FAIL to GIVE UP...you will get "Somewhere" new.And that is the only failure you should accept out of yourself.And don't make unrealistic goals, such as I walk past the Empire State Building every day on my W2 job, and I'm going to buy it.Unless you're (for instance) Lucky Larry Silverstein of WTC fame.Which is the opposite advise many people who want to sell you something will say.But something like me and my friend want to start a coffee shop in the lobby, and need to get money saved up and get a well heeled investor might be realistic for someone.I say that because your not going to be very motivated to do things towards something you know you cannot achieve (even though there are probably people reading this that can buy the Empire State building if they want).Good Luck!

I was originally saving to buy a home and have a decent down payment that I'm still building but with the massive spike in the market down here since the beginning of Covid, buying the home we would want has slipped out of reach. 

So despite the crashes and spikes we've seen over the last 20 years, there is still a positive appreciation across the board. 

@Michael Baum Art is my Achilles heel.

But what they won't tell you is the money being poured into it to revitalize it, since it is the closest area to UC that has not spiked in values as other neighboring areas.

Electric can also spike in the summer with A/C.

We're a non-bank lender (FixnFlip/Bridge) - our rates are 10.95%-11.95% for 12 months and that pretty much market these days (maybe even below market) - 9 months ago we were at 8.95% and even lower in some cases (rates have spiked in such a short time)! 

Just lease the property to someone else with and not enjoy a really good offer from a prospective tenant who is head over heels with the property?

Then pull permits for new fence (if required), demo the old one, have surveyor stake or spike the property line, and like Bruce said, finish side at least a couple inches on your property.She’ll have to engage and pay for an attorney to get you to stop, but that seems unlikely if your survey is correct and not in error.