But I have a very low opinion of guru types (high priced, lots of upselling, big promises, selling a life style in their ads more than information, etc.) 

Our lifestyle is "cheapskate" and thus we don't need that much to live on.

Are you looking for more cash in hand to boost your lifestyle?

., so only you can decide what fits your budget and your lifestyle best.  

Urban areas like Austin still attract buyers for the lifestyle and tech-driven job market.I believe more buyers will lean towards the suburban areas because of interest rates and getting more for their money.

They charge $500 a month plus a $350 set-up fee plus whatever you spend with Google or Bing to run the ads.DIRECT MAILIf you have a pretty healthy budget to spend, then direct mail might be a good choice for you.

How many home owners do you think do the same and not using their HELOCs to pay their bills or to maintain lifestyle that is suddenly out of reach due to crazy inflation we saw in the past 3 years?

I believe recapping my big picture goal and current lifestyle at this point will help. 

I want this to be a vehicle for my wife and I to gain financial freedom and grow a portfolio to support the lifestyle we want when I retire. 

What matters is what best meets your goals and lifestyle.6.