Guilty as charged.

The simple reality is that you aren't in a position to contribute enough to earn the 50% of the profits that you are pleading for.....If your primary career choice is not financially lucrative, I'd suggest trying to find a full-time job with a RE company or investment company.  

Sometimes it's better to keep your mouth shut, plead ignorance, correct a matter if needed and move on.Sorry, back on topic, 5% interest currently would be a "fair" rate and your real cost is one minus your tax rate times the interest paid, might be 3.5% after taxes.

If someone brings something to the DA that is a concern to them (elderly lady thinking it may be a scam) and its their POLICY to follow up how is that guilty until proven innocent?

Jay,  Guilty as charged!!  

Even if I were sued, I document everything and obey the law, so I won't be found guilty.

A majority of contractors are guilty of this and get into the weeds if they don't know how to deal with cash flow problems.

You operate a business with 96% of your income still coming in, while restaurants, bars, other small businesses would beg and plead for 20% of it.

It is super important to budget.Benefits of budgeting:1. can plan on how much you can save every month2. don't feel guilty on spending money on fun/entertainment (you don't overspend in this category as well)3. when every dollar is budgeted, you see where you can cut expenses4. having a plan and approximate time when you will save X amount by Y date is motivational

Many people, including me on occasion, are guilty of offering advice or commentary on topics which they know little about.