I never heard anyone talking about stocks or investments.

Investing does need to be approached more like a business than just a simple stock trade.

So, this meets expectations, as well.Still, using Eric's tool, we still see that the acceleration technique works as predicted: The total number of payments is reduced - to 208, a 43% reduction - and the total interest paid is reduced, now $42,024.35, a 45% reduction.The total interest paid to the HELOC over 20 "chunks" is $1,031.25 (there's probably some rounding error in that number, but close enough for this discussion), making the total interest savings $40,993.10. 

Check out tomorrow's meetup:  OCREIN - Reading the Crystal Ball and Predictions for 2025Good Investing...

Unlike investments in stocks and mutual funds, crypto investments allow loss harvesting without the 30-day "wash sale" rules.

We all know the issues with trying to predict appreciation but with how he says (and I’ve seen) that land is disappearing in the area I feel confident that 5% is a solid number to use.Between cash flow and appreciation, I believe a person would be coming up 21,000 a year.

After buying the property, I also still have $12k in stocks that I plan to use as a last resort.

And the truth is, if the investment property was completely passive and you had zero connection with it, such as an arbitrary stock in a mutual fund, then I would agree not to get emotionally attached to any one investment.  

So the Janitor usually wins, defined as making more passive income than your expenses, because his expenses start off so low and stay low.Unfortunately, after you play it a while, you get to know what to look for, like when that one stock becomes available for, I forget, $3 or something ...

This doesn't predict anything, it's just a summary of what has taken place so far.