When you move all of your insurance under one insurer, they can also bid down your individual policies to help save you money.

Unfortunately, i am retiring and no grandkids yet.

Saving 20% down for an investment seems almost impossible today.

They will also save money on zero interest financing. $600 a month chances are they could rent it and make a profit and if it doesn’t go up as much as they were hoping they could simply give the house back to you in seven years.

This has provided us the means to save ~$4-5k per month.

Retirement is not.I can understand retiring if you are old and broken.

Use a CRM to save everyone's contact info, set reminders for yourself to follow-up, create follow-up campaigns, etc.5.

If your student loans are only 3-5% interest, that's pretty good so I think it's okay to pay those off over time.It sounds like you're making good income with your current employer and there is room to grow, so I'd plan to stay with that job until you can pay your high interest loans off and save enough for a down payment for your first property.

I need to do some more research and potentially save some more money so I won't run into as many challenges. 

I would be comfortable to some degree as this would just be a saving plan of sorts.