We both can continue our careers making a good bit of income every year so long as we are healthy.

That said, it's never a bad idea to have a healthy amount of cash on hand. 

Thats like taking advice from contractor about how to fix your car, or asking an overweight person about healthy nutrition and the gym. if they haven't done it you shouldn't take their advice.Talk to the right people, make heavy use of BP because it is a great community. 

@Tony Xu If focused on cash flow in econonically healthy markets, I think your narrowing it down to B props in Kansas City is a good choice, and there are some good turnkey options in that market.  

Vacation rentals are probably one of the areas where it would be nice to have a healthy cap rate because you need the buffer for fluctuations in the market on top of the fact that they are typically in secondary housing markets and those are what we see have some of the largest swings in appreciation and depreciation.

With such a small mortgage and healthy cash-flow, there is no reason to deplete your savings.

.- Residential loan delinquency rate is well below the 10-year average and still declining, signaling a strong and healthy housing market.- One trend going on now and continuing in the future of housing he pointed out was demand for rentals in urban areas.- Apartment vacancies are growing in many markets.

A good arborist will tell you maybe a few branches can be removed, but looks healthy (assuming it is).

@Joe Splitrock - reminds me of a 'love language' or 'healthy options' class we took on parenting years back. 

That is cool that it gets put out collectively like that to drive up a healthy budget.