Now in our case (retired 22 years) I am convinced my wife spends $20k a year just on the grandkids, plus at least $30k a year on the 'whole family travel retreats'.

Appear on 26 podcast to talk about the investor retreats that I am doing in Costa Rica.3.

My wife and I just finished our 1 thing couples goal setting retreat and a 5 year (or sooner) goal keeps popping up with us.

I don't know anything about your area but atlanta has seen prices level and retreat slightly. 

were 100k houses in SF bay area popped to 300 to 500k still a huge number in those days.So I was up at Whistler in BC skiing and going up the chair lift with a nice couple from Vancouver.. and we talk about real estate at that time the Hong Kong Chineese were making a very serious run at every thing Vancouver getting ready for the 89 termination of British influence in Hong Kong and the prices were going up.. that couple said to me.. we are just going to wait for the prices to come back down.. and we were talking about nice SFRs in Vancouver at 200 to 300k.. well now same houses are 2 mil to 3 mil.. they never came back down.. and I don't know if that nice young couple ever pulled the trigger.. but I told them based on my experience in the SF bay area and the pacific rim buyer influencing our market I would not count on a big retreat in prices.. 

they interviewed a few that bought them basically well to do from England France Germany that wanted remote retreats..  

With investors retreating to the sidelines, buyers in the market have dramatically shrunk, and price wars have eased.

They would jump at the opportunity to pay the “insane prices” of 2019 or 2020. one thing I think most investors or those looking to enter the market miss.. is that trying to time bottom is not possible most of the time and if we do get in a big retreat then financing retreats right along with it. 

Now we add that people who invest with us are invited on our investor appreciation retreat in Costa Rica where we have an awesome networking event that we pay for for those who have lent to us 50k or more.

With investors retreating to the sidelines, buyers in the market have dramatically shrunk, and price wars have eased.