Or I'd become an alcoholic.

NOT UNDER THE INFLUENCE: I am not now under the influence of alcohol or any other mind-altering substance, nor am I taking medication that would cloud my judgment or make me unable to think clearly. ________ 20.

WE have experienced 30% plus savings in gas consumption.

I have just arrived in the San Antonio area and will be staying the month.I'm buying beer / whiskey for any investors, contractors, lenders, and any other real estate (or alcohol) enthusiast, who wants to sit down and chat San Antonio, Lubbock, Austin, and even Dallas DFW real estate.I'm here for work conferences but I also plan on learning a lot of RE, and trying a ton of great food and drink.Look forward to meeting you.

After a discussion one night with some alcohol involved between two people that had no idea how to invest in RE, we decided we'd invest in real estate.

This is a huge consumption of his time but he has done it since day one and has stuck with it (at the time he just called lists of people he knew just to say hi and tell them what he does for a living).

But he is correct in his statement.I can guarantee you that any non-accountant using some cheap computer program for  taxes is losing more money than it cost them and more than if they had paid a good, qualified accountant over time, you should be saving more than you pay, but your income needs to be sufficient as well.A basic economic principle, the "marginal propensity of consumption" it basically says at some point the value of anything becomes less as consumption increases, that applies to your time as well, thinking in reverse, that means the cost of you doing something increases when you do everything yourself as the value of the benefit remains the same.

You might want to find one that is already if you want an investment and not another personal consumption decision like your current home.

The original roommate has caused much disruption here, between her alcoholism and related violent outbursts, to her drug use and threats, including calling the local police multiple times for a variety ridiculous things, all of which is documented, and more than once was told by the police she was becoming a habitual caller and a nuisance, then threatened with arrest.

Don't make the mistake of raising consumption with your income, but if you cut consumption and raise your income, you'll be in better shape, faster.Cars are depreciating assets, and Millionaire Next Door types know that they're often more vanity than substance.