Here’s a potential approach to balance both goals:1.

Your "goal" right now is to replace your income, but you don't know enough about investing and the risk is too great.

You want to have long discussions about your goals, how to break a tie when you don't agree, and you should always have the exact same amount in the account.

The goal of this room is to become a small event room.

It depends on the goal, are you trying to build wealth or cashflow.

That's exactly what I'm saying, pay off your entire balance before the statement closes (option 1), not on the actual payment due date (option 2)                                                              Option 1               Option 2Prior statement balance on Nov 1             $0               $5,000New charge on Nov 5                         $10,000             $10,000Paid on due date Nov 10                             $0              -$5,000Paid on closing date Nov 30             -$10,000                      $0Statement Balance on Nov 30                    $0              $10,000The ultimate goal is not to pay off your statement balance in full each month. 

Our goal is to purchase two multifamily properties per year, and we want to ensure that we establish the most effective structure for asset protection from the outset.We’re exploring options such as Subsidiary LLCs, Parent LLCs, and Irrevocable Trusts to maintain both asset protection and anonymity.

Utlimate goal is to maintain a healthy leverage on the rental property.

It really comes down to your goals.

@Eric Mcginn,You have a good idea and end goal.