Allowing yourself a wider spread will at least soften the blow of any mistakes you might make.

To help out I provide free laundry detergent (tide pods) and fabric softener which cost me 40 cents per wash.  

I am in San Antonio, and this market is, I think, begining to soften to where the prices are or will be better soon.I purchase 2-15 units, and the prices the last two years have for the most part been way out of line, losing money out of line.More input for this central Texas area is welcome.

The market is continuing to soften and will be great for a cash buyer.

Caring for parents for ten years in assisted living could cost $600000 today and showing this may soften the terms.All the best to your family

I need to install a water filtration/softener system (a whole house system).

Let me see if I can soften the edges of @Steven Hamilton II's posts.There are literally thousands of posts (maybe even tens of thousands) on Bigger Pockets that spread all kinds of goofy tax misinformation, if not downright fraud.  

You could convert part this year and part next to soften the blow.When you make a Roth IRA contribution from current year income, it is not added to your income, but likewise is not reduced.So, if you were to convert $50K from traditional to Roth, your overall taxable income would be $100K for the year.If you were to make a $10K Roth contribution, your overall taxable income would be $50K.Hope that helps!

It may take a bit of time for your heart to soften but if you seek God first above all else, He will reveal Himself to you. 

“The forecast predicts a softening of real GDP growth to 2.1 percent this year from 2.4 percent in 2015.