I've seen the spray-in foam insulation for walls, but I am not sure if it would work in a ceiling or if that's advisable.

Hopefully once this first property is all settled, I'll be more confident in the process and shave some time off that 15-17 year timeframe. 

With the REI, I'm hoping to shave 5-10 years off my financial independence age.

Rebates shopping portal and Groupon discount codes with gift cards purchased from eBay or Safeway with more gift cards and Mr Rebates shopping portal.Take a shower at work to save on utilities, water, and electricityGo to the gym more often (do your 3S’s there, ****, shower, shave)If you work in a startup company that cater’s food, it’s a no brainer--- eat at work and bring food home.

I’ve made two “Best and Final” offers and one initial offer, each for over $20 million, in between walks down the beach for lunch or just to get a shave ice.  

Cheap beater one for that and shaving studs down.https://www.lowes.com/pd/Kobalt-6-25-in-Adjustable-Block-Plane/4777021

Speaking of me be grumpy about Oregon, they will shave another 10% off my gain and recapture. 

A confounding factor could be refi's, which could shave .25-.75 basis points off a mortgage.

It’s polo foams looking out for themselves.

You could always shave down on the cost by doing the things you can do yourself and just paying an electrician & plumber (although those are the 2 most costly contractors in our area).