A better mouse trap, or an idea like the iphone.  

I have an iphone for personal use and a regular phone with keyboard for my business.

So I phoned my bank and asked if I could refinance my property but she told me I cant because they only refinance at 80% of the properties appraised value.

I connect the fire stick to my iphone for wifi and ...

He recently had his one year anniversary with EXP (after being at KW for a decade) and in the last year, with the stock purchase plan and ICON agent awards he's accumulated well over a $100,000 in EXPI stock. 

But if you think you will live past your 60-th anniversary, then you will need funds to live on at that time (unless you think that social security will be there for you and it will be enough for you to live on comfortably).No one is saying that you should take every spare penny and put that into tax-deferred account.

Then I ask something along the lines of (So, new Iphone huh?

You are making a fantastic income for your age...most 20 year old's would consume all or most of that income instead of thinking about investing, so I'm impressed with your maturity to consider real estate investing.As a bit of encouragement, I entered the workforce at 22 years old making $1,100/wk in June 2009 (just had my 11 year work anniversary yesterday).

@Parker Eberhard hard to know future  of course but I believe your friend is wrong. 5G has started coming out on some Android devices and iPhone should have 5G next year.

Get your judgement and get it filed with the credit bureau so before she gets that next apartment, new car, credit card, i-phone and the like, she will have to settle with you first.