Most of these reasons are behavioral though, and betraying my quant background.With all that being said it's really awesome that you tested the numbers to challenge conventional wisdom!

The creditors had 30 days to provide information to the credit bureaus in order to substantiate the negative items I had disputed. 2 items were removed from my report, one that was legit and one that had been paid off years before.I Knew that I had to also change some bad behaviors on my part.

This is distinct from "earning" income.There may be a meeting point where our behavior as consumers (enterprise related) can sync more with our altruistic ideals as private citizens.

That's their behavior.

It is, after all, completely rational to believe that hyperinflation is right around the corner and to engage in financial behavior that will bankrupt you when the wizard unleashes his plan!

Giving someone even ten homes to manage all at once and then trying to look at a spreadsheet for occupancy & rent rates and repair ratios is either going to make them "look bad" or cause exactly the behavior that you don't want in a property manager - deferred maintenance, and whatever tenants are available right now signing leases.

It is a privately owned business and your behavior is completely out of line.

Most of these courses are so seductive, Farrell says, because they operate according to a tried-and-true principle of behavioral psychology called the variable ratio reinforcement schedule.

After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.

Most behavioral experts suggest that the average equity investor buys and sells at the wrong times.