Her mental block is she doesn't view any of it as an investment for our future. 

The concept of losing money with negative cash flow is more of a mental state of mind.

It often results in me improving myself instead of going the victim mentality route.Good luck!

I am not talking the book smart or procedures, I am talking the ability to interact properly and mentally handle it.

I’m a full time pharmacist with a full sleeve tattoo and often run into this same mentality...and I often wear long sleeve white coats to hide it since I deal with such a large daily population.

I also like to compartmentalize and keep separate my rental business from my other businesses, the real estate brokering services that I provide to clients, and my personal life, and I find that for me both mentally and practically, the more layers of separation between these the better.  

I don’t think I made the best financial decision but I am unhappy in the Bay Area so mentally, it’s a big step in the right direction.

Then again, having the burden lifted from my shoulders mentally allowed me to expand to doing the things I am doing today.It's all a very personal decision.

This set up 2 trusts, A and B. 1/2 of trust goes to dad and the other half to my sister and I with our other sister, who is severely mentally handicapped getting full care from my other sister.

While I do not want to make the terms complicated or onerous, I would like them to be stiff enough to encourage expedient repayment of the principal.Bill:You are correct, the amounts are too small to bother with the mental gymnastics of being creative.