Hi@Catherine Coy,The Grant Cardone 10X Rule was instrumental in helping me to discover that my original goals of doubling my family W2 take home family income was way too low.

Starting a business, investing funds (in real estate or other instruments), moving overseas, etc.

They can be a fantastic source of OPM, and are instrumental in scaling your REI business.

Same with the CapEx account - put that money into some other financial instrument to earn as much as possible while it's sitting there waiting to be used.

Cash reserves were/are HUGELY instrumental. #1Purchase Price: $356,900Because of the luck of my timing, this house appraised for $480K in November of 2021, and I was able to pull out roughly $20K to do renovations, pay off my roughly $63K 2nd, and have a LOWER payment each month. 

This kind of thing is state specific and depends on your lender and the specific mortgage instrument.

This is not a debt instrument used for long term. 

I just think back when I was getting my instrument rating and would ask my instructor how do I tell if there is ice in those clouds or where do I find  or avoid ice.. he just would say Ice is were you find it.so you just have to go looking for it

Using a revolving debt instrument and your mortgage as a "checking account" is simply more efficient banking. 

It has a defined upper limit on returns defined by the contract instrument.