We want what we think the money will do for us.It's rather like an addiction, really: addicts don't want alcohol, drugs, pleasure, etc.

One month I'm charged only base rates for water,sewer,garbage and the next I'm charged for water, sewer,garbage PLUS consumption.

It would be interesting to see what the water rates, along with consumption are at this property.

To learn more about the prohibited transaction rules, see the following. https://www.irs.gov/retirement-plans/retirement-plan-investments-faqsIf you decide to invest your IRA in real estate, IRA Services Trust Company is in your area so it may be worth reaching out to them so that they can explain what their requirements are to hold IRAs for investing in real estate, as most big banks like Wells Fargo and Chase  don't offer IRAs that allow for investing in real estate.For the most part, the types of investments that cannot be held inside an IRA are:Artwork,Rugs,Antiques,Metals - with exceptions for certain kinds of bullion,Gems,Stamps,Coins - (but there are exceptions for certain coins),Alcoholic beverages, andCertain other tangible personal property.

Ryan, you forgot a step I think:Pour gasoline, then the match.Anyway, spraying with rubbing alcohol, min. 70%, repeatedly, like twice a day.

@jameswise oddly enough I’ve been alcohol free for little over a year now.

Are you also going to ask them to fill out a survey about how much alcohol they use weekly?

It may mean not eating out avoiding alcohol Netflix or shopping etc .

We pay $520/mo but pregnancy or rehab (drug, alcohol) aren't covered and we have a $6k annual deductible.    

It may seem like a small step but it can have a real impact on your overall consumption.