There is a reason why Atlanta is the busiest airport in the world.The Bay Area is not expensive because it has a monopoly on natural beauty... it's because it's one of the most prolific centers of technology and innovation and high skilled workers come here to find jobs that pay a quarter-million right out of college.

We need to continue to be at the forefront of technology, then get more in front of it on the military and mathematics end.

Regardless of how real estate -ish we are here, there is a huuuuge technology component here, too.

Growth mutual funds have higher average returns because they are riskier and more volatile than the stocks making up the broader S&P 500 index, which has a 25-year annualized return of 9.6%.Anyone who put their life savings into technology mutual funds in 2007, received a very painful and costly lesson that you need to trade high returns and volatility for lower returns and safety as you get older.The clients I deal with today that are approaching retirement age are in the exact position "Gayle" was in back in 2007.

@MichaelQuarles So the one-offs will call you back next year when they have blown half the cash on a new gaming computer  then gave the rest up for a down payment on a new land contract with  a new and improved 2 year balloon technology?   

Let's also say a Chase savings account pays you 4.5% compounded annually, that $5k loan is $460 over a two-year rental, and then you multiply that by 50 or 100 doors.There might be good reasons to hold it a little while like to settle expenses, although with technology-powered platforms savvy PMs could probably often pay the same day as the funds are cleared. 

It really comes down to your comfort level with technology and your use case.

I mean, if you want to do it right and have great internet, furniture, certainly comfortable chairs, and build-out for conference room option, private office options, kitchen area, proper technology, etc. 

Hopefully technology & improved banking system make your statement above true. 

of using technology and leverage you will train yourself to think in a different way, which values your time 10x over just doing everything yourself just because you can.