I’m still a baby bird here. 

However, baby steps until we get there.

Many household products are labeled and marketed as DISPOSABLE and/or FLUSHABLE; many baby and adult personal hygiene products, along with household wipes and cleaning towelettes are labeled both disposable and flushable.

Chasing shiny objects without fixing your current problems will only lead to more problems on the future.Fix what is broken now and take baby steps later to build passive income

OPM Baby!

Last night at midnight I received a call from the apartment above him (respectful non-problematic long-term tenants) a family of 5 with a baby, saying he was blasting music again, so they banged on the floor with a broom to let him know it was too loud.

I've found that to be about right in my own limited experience, give or take.What's left after all that is actually your profit. 30 years is a long, long time (and on the other hand, life is short baby!).

@Ross Bowman when the gov’t will lend you money for 3% a year I’ll take all the money they can give me.Leverage baby

I am one of the younger baby boomers, sometimes referred to as Generation X. 

Though I rarely agree with Dave Ramsey, his baby step approach of a debt snow could be used with a goal snowball.