You put aside 20-30% of your paycheck into a savings account, you take food from home to work, you don't go clubbing unless someone is going to pay for you, you ride your bike to work and other places if the weather permits, you side jobs like tutoring or Uber.

Hence, take everyone's advice, including mine, with a grain of salt as everyone's situation is different. 

That is the amount that they can unilaterally sign off on to make the loan decision without going up the food chain or to a loan committee.

Really.Cash flow is important because unlike investors that are already filthy rich most of us use our income to put food on the table and pay our bills.

Atlanta is definitely a food city, there are too many to try on just one visit!

I grow about 10 acres of food plots.

Ideally, the perfect spot would be a secluded room at a restaurant where food and drink can be served and the room is sequestered off so it doesn't get too loud.

But what we can do is give food for thought.At the bottom of the market (2011) I bought 120+/- rentals in the Bay Area and Sacramento and I’m selling.

I take neighbors info with a grain of salt because all of them "heard" something that is often inaccurate

Just food for thought, there.