A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve. 

She is still being nitpicky about things and I am hoping for advice on how I can tell her no about unnecessary repairs.

Also don't like paying for unnecessary annual subscriptions when old quicken software works fine for me.  

I'd recommend building your team out before you start looking for a deal to avoid scrambling and putting unnecessary pressure on yourself.

It does NOT mean that if you buy a Safeharbor 401k document that you're "safe" from severe IRS & DOL penalties if the plan is not operated compliantly.From a plan design perspective, "Safe Harbor 401k" is often NOT the optimal design and results in unnecessary costs to the business owner AND missed tax deductions.

I did speak to an attorney and she also stated that Dallas county is tenant friendly similar to Chicago, it's not uncommon for judges to change court dates at last min and give tenants unnecessary leeway. 

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

On multiple occasions he had us wasting our time looking up unnecessary tax forms online because he wasn’t well versed in tax code.

Proper's quote came in 3x as much as State Farm's (although we could probably get that number down if I go item by item to remove a bunch of unnecessary items).

That'd be nice, but unnecessary.