Sick life for Annie to rebound from screwing tons and tons of people and become an "expert" in something she can't do on her own.

If you have a $100,000 loan at 3.75% and that goes up to 5.25% but your able to get another 50-100k out the additional cost on your current loan is only $1500 per year which is a small price to pay to go create some other opportunity that over the life of that second investment can yield you $50,000-$150,000.My biz partner told me years back, "Don't step over quarters to pick up pennies", which to me most of the time translates to calculate the money you are not making by taking that next step vs the money you are trying to save.

@Logan Gill @Aaron Tobler is correct - this side of the Rockies is excellent for outdoor life.

The very worst thing and the reason I stopped ever trying to sell any of it and then got out of the business was a woman came into my office and told me her husband purchased the Life Insurance policy I sold him to protect her in case anything happened to him.

Here are two screengrabs I took while watching a discussion with Jay Papasan on YouTube.  Many of you may find this helpful.  You can watch the full interview here: https://www.youtube.com/watch?v=Kv4ZbbEx5rI

I just furnished a house to rent out and the utilities went way up due to air conditioning costs, etc. 

It's enough to cover down payments on two more properties similar to the ones that we have been buying, however we are contemplating paying off one of our duplexes (about a $95k loan) and take a quick break from purchasing to let our finances calm down and deal with a bunch of repairs and other extremely busy life circumstances that we have going on.

What are your life changing books and videos? 

Basically, in terms of the condition of the house that would be acceptable to my lender, we started with the insurance.   

All renters got dirtygrams from landlord when common areas were found in less than desirable condition.