To have enough discretionary funds to be able to invest at this level means that even if a deal goes completely down the drain, I can still feed my family, tithe to my church, pay my bills, and try again later.I do appreciate the probing nature of your questions!

I think it is human nature to feel like we need to get the best deal with the best/highest "immediate return".

Eventually it becomes second nature.

In Canada, for example, the average mortgage term is 5-years, so every 5-years you renew your mortgage and have the opportunity to pay down as much as you would like (if you wanted to pay more than the payment restrictions of a fixed-rate mortgage).If you want to pay down your mortgage more quickly and cannot afford to increase your payment, simply switching from the default monthly mortgage payment to accelerated bi-weekly payments will reduce your amortization by ~12% (the extra payment per year from the accelerated part) and reduce the overall interest paid by slightly more (~14%).Naturally, if you increase the bi-weekly payment, you will pay down the mortgage more quickly.  

I was the oldest boy so naturally I helped dad with all the renovations.

You will generally get people who are more nomadic in nature. 

Naturally, she wants to be in a more comfortable environment to welcome our son into the world.However, there’s a legal hurdle.

Start with whatever your son's natural talents and inclinations lean toward.

Naturally my DTI is high, however my only debt is our primary residence mortgage I have had since 2020.

I'm also confused by the nature of your charity.