It's not possible to save a dollar on fees or monthly payments if you don't get into contract - in that case, the interest rate is 0%, monthly payments are $0, and loan balance is $0, so you do literally have the best possible mortgage at all, but the downside is that you do not own a home.You get 5 cards when you play poker.

I have been playing the Rich Dad Cashflow game.

I'll do team bonding every other month or so where we get on video and play some kind of game - the JackBox gamers are our favorite.For accountability, mostly trackers.

If you want to watch the full presentation you can do so on my company webpage, but the highlights are this:RE Lenders require collateralRE Lenders require "Skin-in-the-game"RE Lenders ALWAYS mitigate risks, the primary way they do this, require more "skin-in-the-game" from the borrowerIf you ever find a "lender" that uses a "free" email service this should be a huge red flag. 

Lastly, most poker players have a saying "don't throw good money after bad". 

I don't shoot to totally eliminate my tax liability by affirmatively attempting to lose money, that's a fools game.

There are two groups backing this, a social activist usually college educated group with strong socialist ideas and a group of people who have grown up in a subsidy environment where the people doing well are drug dealers/system gamers. 

In terms of Dave Ramsey advice I mean that is a really really safe way to play the game.

Investing is like a poker game, seasoned investors have more chips on the table than you.

I have also wanted to separate the front and the back and turn it into a cannibals store in the front and video poker gaming in the back.