And when I didn't I wasn't as efficient or effective as I was when I did follow the routine. 

Still 'writing it off, just different terms and timing :-)Looking into the effects on inheritance is definitely a good idea.

I didn’t know that would effect my DTI.

I have no clue what effect the neighborhood will have on the value of my home.

I've looked into getting our license but it's not cost effective for us to do so yet.

Here is a quote I heard from Hal Elrod “Your level of success will rarely exceed your level of personal development because success is something that you attract by the person you become”Here is my list of the top books that have made the greatest impact on me so far, and I would like to recommend:The Miracle Morning by Hal ElrodThe Book on Rental Property Investing by Brandon TurnerThe Book on Managing Rental Properties by Brandon and Heather TurnerRich Dad Poor Dad by Robert KiyosakiThe Compound Effect by Darren HardyBuy Rent Rehab Refinance Repeat by David GreeneMaxout your Life by Ed MylettThe Book on Tax Strategies by Amanda HanThe Five Love Languages by Gary ChapmanThe Ultimate Self-Directed IRA by Jeff AstorEnjoy, learn, and most importantly take action!!

I know there are a lot of moving parts to these, but does anyone have any advice for executing these effectively?

California bill SB9 effectively bans single-family zoning across the state, allowing severances and up to four units on most residential lots.Of course as an investor you want to love this, allowing ADUs or replacing a single family with a 4plex.But of course I don't want it in MY single family neighborhood...I don't want a 4plex with cars, noise, and all the other issues that come with multifamily next door to me.What do you think?

I’m taking it next month but I am unsure if I’m preparing effectively.

This is what gets us… the possible effect on property values.