Also, my clients never touch paper unless they want to, everything is done digitally. 20 years, haha, just about every industry in existence could functionally disappear in the next 20 years with technological innovation.

What is certain is that these companies will continue to innovate, and maybe someday there will be one that is the clear best choice.

@Jade Bloomfield I was in Nov 2017

IRA innovations llc was then recorded as deed holder in 2015.

Bought one back in Nov.   

My primary residence was actually a remodel - purchased in Nov. 2016 and the value has gone up since then.

I should also be able to accelerate paying off the 401K loan in Nov with my annual bonus (not a guarantee but pretty darn close).What I'm wrestling with is, do I take the short term crunch on cash flow (anywhere from 6mos to 2 years) in order to get into this deal.

Here is a snapshot of my finances:I have one rental unit which nets me roughly 250$ a month, the balance on the mortgage is 108,000$ which I have paid down from 117,000 (appraised for 125 in Nov of 2009).

In Nov. 2010.

Not an innovative app or whatever.