I really do appreciate all of the comments folks have made and it’s clear that they have systems in place and I hope that knowledge will aid me in my endeavor. 

@Caleb Brown Thank you for commenting and yeah I was definitely planning on trying to be more conservative with my spending as part of getting my finances back on track as I mentioned.

@Ian MillerTons of great comments already to this post.

Yeah I can see using the welcome aboard forums to pump up your comment numbers to make it look like they've been around a while before trying to sneak a pitch for some scam guru trash  I think warm welcomes are nice, but the carry more weight from people who have been around.

@Joshua Thompson already linked the long post that I wrote to answer your question:https://www.biggerpockets.com/forums/51/topics/1215989-expla...Based on your subsequent comments, you missed the point of my post: it DOES NOT matter whether your accountant holds a CPA or an EA designation (or neither of those two).

Your comment you didn’t buy insurance tripped my curiosity.  

I love this comment you made below.

@Greg Hoffmann this thing again.....I'm wrestling with even commenting on this product. 

I replied to another comment that I think we just caught the PM in a lie regarding these charges. 

Then don't comment on the post with misinformation!