Taking high-res pictures then enhancing them for my marketing of vacant homes.2.

It will enhance earnings but not significantly compared with the effect on the other two ratios mentioned.

My cash flow could support me the rest of my life without ever having to work another day or sacrificing lifestyle.

Also what lifestyle is important to YOU at these different times on the calender?

Most people just up their lifestyle along with their income, and continue to live check to check.

What aligns with the lifestyle and goals?

So for me, cash value life insurance is an enhancer to growing my wealth quicker. 

And when you reach a certain age and wisdom you start measuring life in terms other than ROI and think of ROT (Return on Time) or ROS (Return on Stress) or COPM (Cost of peace of mind) and to me getting rid of banks from my life greatly enhances all the above!

A lot of this down payment money was made possible by my frugal lifestyle and low-tax bracket during my Navy years. 

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