You may not want to have that capital trapped in that plan until such time as you change jobs or reach age 59 1/2.

I’m a pro member with a regular day job.

Im looking to gain some experience on the job for little or no compensation.. knowledge is invaluable.

Earning $120k sounds like a full time job.

Since getting a W2 job two months ago, I've focused my spare time (and mental energy) on managing and investing my fixed income. 

I’m currently working a day job to pay off the rest of my debt (which I’m close to finishing).

We were initially looking in the Provo/orem area but my husband has a potential job change that will be taking us to Phoenix.

Painting, landscaping, and other simple jobs like that can help keep your costs under control. 

So when you're asking "can they amend the rules", what you really mean is "Can the Board of Directors amend the rules that govern myself and the rest of the HOA".The short answer is "Of course, as that is one of the jobs that you and the rest of the HOA ask them to do."

She was working and paying her part of rent, going to school to get a higher certification; the older son had a job, and the two kids, aged 14 and 13 at the time, were doing well in school.