When you apply a lump sum payment towards your mortgage balance, you shave off tens of thousands in interest and you accelerate paying off your mortgage.Don't worry if your heloc interest rate is higher than your mortgage interest rate.

Maybe buying and renting ice cream shops in rural North Dakota is your thing.

If person A has a W2 income of 250k and person B has a W2 income of 100k from their day job and both persons love RE, but person A when they are ready to retire let's say in their 70's have 100 units but because of the way they managed their income and the decisions they made using leverage and choices on properties, location, quality, repairs needed, person A only has 2 million in networth.   

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

You want to be the highest ranking on google, etc. so that you, your product, or your service can be easily found by the masses and be the first place they click when looking for the types of products or services you offer.For example, if I had an ice cream shoppe in Portland.

Even though it was free, I didn't see a single machine that I was the least bit interested in putting a nickel in.We spent our $2 on ice cream instead & had a great time!