The metal is not visible from the ground so I don't care but don't want to spend money to paint if it is unnecessary.

Having a brand new car is nice, but really unnecessary.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

On multiple occasions he had us wasting our time looking up unnecessary tax forms online because he wasn’t well versed in tax code.

I personally believe this is unnecessary.

You will see when they send the list to you it has a ton of unnecessary info.

Overall, my feel with SoFi is that they don't have a ton of seemingly unnecessary paperwork and delays and have a modern streamlined approach to lending money. 

Maybe casually mention it, but taking applications seems unnecessary.

I never over-extend myself or take unnecessary risks.

There's some risk to us if we don't get it re-rented within a month but the risk is small and overall it's fair to everyone, as it helps compensate the business owner for the cost of unnecessary turnover. 2.