Hello @Anthony DiSanzo,I’ve lived in Memphis my whole life and have been helping investors like you build solid rental portfolios here for over 20 years.

Have both a personal and REI emergency fund because life happens.   

Quote from @Jared Leggett: Quote from @Corey Conklin: I know that moving away from home isn't what anyone really wants to do but in your situation it would absolutely change your life, financially (and for the better) if you left.Again, I don't know your situation but I can tell you that a sanitation worker in a small town in Kansas (town of about 12,000 people) makes more money than you do living in NYC.

But if you hold that thing for 10 years I don't see how your life is not completely different and people don't think your a genius for buying a middle of the road househack now.

Even in my life.

For the personal side of things, I do a GoBundance Onesheet, which breaks my life up into Financial, Health, Relationships, Friends, Adventure, and Spiritual/Contribution.Happy to share either document with you if that would help Tonio!

You can give notice to one of the tenants, then move in and rent out rooms to further cut your living expenses.Yes, something I've considered but does require me to move from CA to TN, so big life change. 

Their videos, webinars and web content have been a huge help in presenting what the concept of shared ownership looks like in real life.  

Like almost everything else in life: Short-term pain for long-term gain!

I never got the whole "this will change your life" sales pitch - it is only going to change your life if you put the work in.