My wife and i had a similar monthly "savings" and we contemplated paying down the mortgage, or investing in rentals.  

I have been cursed at, threatened, physically assaulted and have had to take out No Trespass Warrants against past tenants on my home property.

Anyone contemplating spending money on him, it’s worth it. 

I've been contemplating on getting my Real Estate License for the longest time.

You should also dedicate some time to "sharpening the saw" during the slower time at the end of the year to contemplate business strategies and how to do the business better.

@Ivan Loza - great post, this is the exact question I have been contemplating as well.

Years of experience have shown us all certain things.There is also a feeling that someone can ask a question, you may spend 15 minutes of your day contemplating and writing an answer, and nothing.

Every person in the Northeast has contemplated the title of this post in the last month, I guarantee it.

After much contemplation I came to the conclusion that I preferred access to my own money and the ability to invest as I see fit.

You'd better have reserves/emergency fund/etc. set aside before contemplating locking up $2K for $13 per month.