Agreed and despite the trendy stories... most people don't have the habits to be productive working from home. 

I personally fall into the latter because in my mind, the money on the low interest debt will have to be paid regardless...and if it's not hurting me to continually pay it monthly as I've been paying it, then there's no harm no foul.

For that reason I highly suggest the following books,Rich Dad, Poor DadSecrets of the Millionaire Mind7 Habits of Highly Effective PeopleHow to Win Friends and Influence PeopleThese are all wildly popular books and you should be able to pick them up at your local library. 

In theory yes and in the short term yes, the biggest gainers from remote working trends will be outlying areas like Santa Cruz, Napa etc versus out of state location s like Montana or Idaho etc.But I also think once Covid talk dissipates office culture will take over and old habits WILL return.

You both shared some great things for me to add to my list of REI habits!

We extended you a courtesy as a new tenant these last few months by addressing some of the concerns you had in your home, but unfortunately we are unable to continue to send maintenance staff out for repairs that do not involve safety or habitability concerns.  

That's very much how we ended up altering our personal spending habits from middle-class American norms to more reasonable patterns informed by an understanding of the financial independence movement.

There is no fault because there is no harm.

IMO, I think the unit runs adequately and is habitable for the time being while I can figure out how to properly install a new unit It is important to note that because of so many issues to replace it properly were presented and no one offered an immediate solution, it took me too long to start fixing it.

WE DO NOT mark-up eviction lawyers (in fact we only go 2x a year for 200+ units and mostly for non-payment - life happens)WE DO NOT put in deadbeats or troubled tenants we will need to evict (we have to deal with them - really, life is too short)WE DO NOT advise our clients to buy in crappy neighborhoods or buy crappy buildings because they are so cheapWE DO NOT put our clients in harm's way legally because we know the legal landlord/tenant laws and what to avoidWE DO NOT take on Landlords that do not see the value we add and want to nickel and dime good quality servicesYou must have had a run in with a REALLY BAD manager to have such a skewed view of the industry.WE DO screen for 3.75% rent/debt ratios, evictions, crimes, felonies, level 3's and ALWAYS cross-check in our networkWE DO screen out landlords too because let's face it, there are some bad ones, and we don't need their business eitherWE DO market the snot out of our rentals on over 30+ apartment sitesWE DO market with pictures, videos, BLOGs, website, referral programs, word of mouth and our landlord referral networkWE DO know title-real estate-eviction lawyers, contractors, REALTORS, and have a wide network of professionals on callWE DO get discounted rates and preference on service because of the volume of work we provide our contractorWE DO have a 100% guarantee on placed tenants, if they default within 12-months, the next tenant placement is free on usWE DO frequently see the property and build relationships with the residents AND neighbors to be boots on the streetWE DO know which landlords are selling before the hit the market and give pocket listings to keep the management contractIf this ain't worth $85 bucks, let's keep going.