Similarly, quality dividend-paying companies often retain some earnings to reinvest in their business, increasing the company's (and your) value over time.

There could be some real interesting back and fourth discussions to be had on the pro's and con's and risk's of these sub $200k houses in the Midwest, but I've been through thousands of tenants at thousands of these 100 year old properties in my career, and I've never been sued for a sidewalk slip and fall.

Plus if the pay isn’t roughly commensurate to what they can make earning a 2.5-3% commission, then they’ll just keep doing that instead obviously.

I recently analyzed an asset of vacation cabins - where the seller would earn 23% ROI over a 5 year term.   

If the investor would like to receive cash flow, I will pay them the $2,507.83 up until the remainer of the 5 years.The remaining profit earned with the $41,315 would be $191,784.80 total if you get paid for the duration of 20 years!

Don’t forget, you get all the appreciation without paying taxes while it’s earned.

Increase earnings, reduce expenses, save up, and invest.

But if I sell it and put that money in the stock market and earn let’s say 8% I would make $40,000 on the same money.  

I made some of the biggest changes of my life but I'm setting my career up for long term growth. 

I understand and appreciate the S&P tracker strategy but end of the day / career means big tax penalties.HSA is a priority for us this year and we modestly contribute to 401ks, employer ESPP.