Gamble wisely.And you need to very clearly understand the risk trade-off that they do not bother to explain: you're trading a secured contract with your property as a collateral for a (most likely) UNsecured contract. 

I haven't had a job in 3 years - that's cash flow.I sell a house here and there - that's gift.CA is one of few places where gambling works.  

Regarding the other side living for free for life, that is a huge gamble.

So I am willing to pay the price is the value is inevitable not gamble my savings on a guy selling me financial freedom through information I can get on these forums for instance.

Anything you do without all of this would be called gambling

That was not something I wanted to gamble with. 

The 5/1 for long term is a gamble at best although for the next 8 years or so, it's much more profitable than the 30. 

Why is DMM so acceptable to gamble with money, but no one is relying on lotto to provide for their families?

You are gambling with DMM.

Check out Hopewell, South Chesterfield, Colonial Heights, those are less of a gamble as they have better schools!