There are many ways to track your net worth, but overall, they boil down to two simple options:1) Record everything manually in a giant spreadsheet or other program2) Automate the process, at the cost of either money or divulging sensitive information.I've chosen option 2.  

So, that's why we've chosen our niche.

Trying to time the stock market, or trying to pick individual stocks to purchase is just another way to gamble.

I have chosen not to.  

Most have chosen to use Cozy because of it's convenience, and I agree, if they choose to use their credit card then it is their fees.

Dinesh, I actually found you right after I bought clever investor today.I took a huge gamble because I am currently living paycheck to paycheck to support my girlfriend and 10 month old daughter.I am hungry and ready for a change.

At the same time, there comes a point when you have to take the gamble and jump!

Benefits include Income, Depreciation and other tax write-offs, Equity buildup over time via loan principal paydown, Appreciation over time, and Leverage (with creative financing techniques, you can own/control a property with a small amount of your own capital).Consider what your goals are, and what resources resources you have (time for the business, knowledge, working capital, skills, interests, a mentor, etc.) and make sure there is good alignment between any chosen strategy and your resources.You might want to learn about other ways to put your capital to work while you pursue other interests or study real estate investing further, by becoming a Private Money Lender with short-term loans to experienced investors, or becoming a short-term joint-venture money partner with an experienced investor.  

is he just gambling?  

Max,Welcome to BP, you could not have chosen a better online resource for education and networking.