@Ryan Foster Hello Ryan, yes I’ve been to Scottsdale area.

@Dave Foster Why do you say, "recovery is easier than building it the first time"?

Big thanks to @Dave Foster.

Now if you are seeing that almost everyone has a college degree except for a few outliers whose actions did not follow any particular course you can duplicate than its time to drop the lesser goal for the greater goal, suck it up, go to college and establish yourself in every meaningful way that will get you to where you want to be.My personal advice is just one of many voices but I'll give it.

When we live for financial gain (or fitness) rather than using those good habits to help us live a balanced and meaningful life, we have given up control to these mindless and relentless masters.As you said, if you decide not to have children, this is a completely personal decision, and I'm sure it's not just financial. 

@Eric Baron I don’t know your market but in my market 50th percentile are luck to break even if they have any meaningful leverage on the property. 90th percentile makes more cashflow profit than 50th percentile revenues.

Their spread averages 4.6% but it's too small a sample set to be meaningful.

But probably for most who try this, their HELOC is their only other source of real money that's big enough to make any meaningful difference if they want to try to pay down their mortgage faster.