Those people pay the piper in their later years and that is coined by the phrase.

Yes, I get it that we've already covered housing because the phrase is "making $100K above living expenses (which includes housing)," but there are still other expenses that are higher.   

And the phrase "passive income" probably does more damage than any other to people entering the profession.

This phrase, "war zones".

When you don't sleep enough over a period of years, the proteins build up and build up and significantly raise your chances for adult-onset dementia.That's a pretty savvy way of phrasing it, Jim.

Or at least that's one way of "phrasing it!?"

However you lost me when you chose the phrase "It’s our right as Americans." 

I hope this makes sense.Those people who paid for 1 unit all cash and then then wait forever to use that cash coming in until they can afford to buy another unit all cash (making it a whopping 2 units...) will miss out a lot during that time phrase, simply because of market action (price increase!)

So find something that needs some work, and it's always going to be more than "carpet & paint" that's a phrase investors use, but it's rarely the reality.- If you can BRRRR effectively, you will be creating your own opportunity for financing going forward.

Perhaps I'm not phrasing my question correctly?