Many were buying notes and taking courses from "gurus"t that they, themselves, had no background in credit.

Milwaukee is a very linear market, things don''t change fast here.

PS Only T-Bills and FDIC Insured bank accounts are riskless.

Hi,My name is Kathy. I have been a teacher for 21 years. I'm looking for a way to free up my time and invest to give my family a better life.

@Henry T. taxes have not been the biggest issue we are facing this year.

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Not trying to be mean but I'm pretty sure you're not reading my posts or comprehending them because I'm actually not advocating for purchasing all cash in fact, I'm saying DON"T purchase all cash.

@Andy Yu  I don t know if there is a persons in need of supervision pathway for the elderly.

Another advantage is you can keep cash in higher yield money markets or t-bills while you are in idle cash.

S - Specific M- Measurable A- Achievable R- Relevant T- Time-BoundKPI's to track were mentioned above under 'training and onboarding'Building a strong team culture:I've only been doing this for 5-6 years so I'm still working on it myself.