Since they (banks) have FDIC protection and these other "trust" custodian do not I am now looking at how to protect what we have.

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For example, the wildlife under conservation protection like the Gopher Tortoise or others.

If we don't protect it we won't have any oil".

If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

Our investment to value (ITV) in the notes we purchase is usually in the 50-60% range, a significant amount of equity to protect our position and our private capital position. 

Now I spend my time making sure new investors entering the market do not make the same mistakes my wife and I made. 

Lenders want to protect their investment not because of possibly you but your profile (little equity / assets etc) which is common for someone in their early 20's - want to make sure skin in game.

You can set utility caps to encourage responsible use and protect you from huge bills.

I collect both a security deposit and purchase a damage protection waiver.