If I ever feel that I'm not balancing my spending habits (being overly prudent), I go on a vacation, get a massage, or pamper myself in another way.  

I stopped reading when you said it was a male massager.......lol.Do you care what your UBER dude says?   

It will enhance earnings but not significantly compared with the effect on the other two ratios mentioned.

So for me, cash value life insurance is an enhancer to growing my wealth quicker. 

And when you reach a certain age and wisdom you start measuring life in terms other than ROI and think of ROT (Return on Time) or ROS (Return on Stress) or COPM (Cost of peace of mind) and to me getting rid of banks from my life greatly enhances all the above!

Investing in dividend stocks offers several advantages, including:Passive Income: Dividend stocks generate a consistent stream of passive income, providing regular payouts to shareholders.Diversification: Dividend stocks can be easily diversified across different industries and sectors, mitigating overall portfolio risk.Tax Advantages: Dividend payments are often eligible for favorable tax treatment, enhancing overall returns.Potential for Capital Appreciation: Dividend stocks may also experience capital appreciation, leading to additional gains over time.However, dividend stocks also carry certain drawbacks:Fluctuating Dividends: Dividend payments can vary or even be suspended depending on company performance.Market Volatility: Dividend stocks are subject to market fluctuations, meaning their value can rise or fall significantly.Limited Control: Shareholders have limited control over company operations and dividend decisions.Single-Family Rentals: Building Equity and Cash FlowSingle-family rental properties offer a distinct investment approach, providing a tangible asset and potential rental income.

Tenant screening can consist of just a background check (eviction history, credit reporting, criminal background) or it can be enhanced with additional screening. 

To improve overall rental strategy, focus on thorough tenant screening, maintaining the property's appeal, enhancing online presence through platforms like Zillow, Trulia, and Craigslist, and exploring alternative management options if needed.

“In particular, this sends a strong market signal that we are seeking to revitalize this area.”A revitalized communitySmith said within the 288-acre zone, the city will be able to put an enhanced focus on housing rehabilitation, code enforcement, and structural and environmental assessments, while also offering more construction incentives and potential façade grants to help remove blight.

My advice, find the right kind of "small bank" that is progressive and has the technology (Mobile deposit, enhanced online banking) that you would never need to set foot in the bank.