Some people hate debt and it reduces their quality of life to have it (for some all debt, for some only if that debt is not attached to an appreciating asset).

Hoping to breathe life into this thread... for those with Baselane, I just realized their hours are super limited, which is a problem because I'm trying to log into my account and the website is looping.

The annuities could be a life line that could bail you out if you didn’t do your due diligence well enough.2.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

Capital improvements are not immediately deductible as repairs; instead, they must be added to the property's cost basis and depreciated over the property's useful life.

It sounds simple, but if you aren't willing to change your life, your life won't change. 

Good seeing you again.Hello Sir. life does get in the way at times   Almost lost my wife 3 years ago    She was truly living dead!

Or maybe your cashflow is just helping you fund your life right now!

About imagining Capex you're looking at two things equipment end of service life replacement costs, including downtime of the unit for turns if there are problems getting the equipment quickly.

Like they both mentioned, there is some amount of consideration for your life and family.