This skews my credit score (you can jump on creditkarma and do simulations about carrying a balance)... and because its my personal cards, it also impacts my debt to income ratio...

Have you had a lender run a credit simulator for you? 

Folks when you buy rental, you need to do cost simulation for DSCR and capex projection.

Run different simulations with realistic expectations to determine what makes sense for you.

Happy to share a spreadsheet that you can use to simulate, but velocity banking isn't a real thing and it is too good to be true.

I didn’t go as far as getting an actual quote, but it seemed to me the cost of the premiums makes this not really worthwhile unless you have some decent excess cash flow.It took me a few months of research and multiple simulations of different scenario (tax bracket, returns of outside investment) to decide to jump into life insurance.The cost of insurance makes you loose some money in the early years, but the cumulative grow of the policy compounding uninterrupted with the return of your lower initial outside investment will outgrow the outside investment alone after 6 to 9 years depending on the scenario I ran.

If she is open to a conversation and is curious it has paved the way to more interesting discussions.I have also talked to hear about a Roth IRA once she is old enough and the benefits to the long term growth if she starts really early.I have had her do some investing/finance simulators for kids, that she enjoyed. 

Although behavioral patterns can be used to simulate or predict when anyone is in foreclosure or is likely to BE in foreclosure, as I said before, foreclosures and absentee owners and etc. etc. doesn't induce motivation.

Btw whoever simulated these changes in Fed office, is extremely genius.

It may be a simulation but certainly not a movie or a song.