There is a shortage of construction workers needed to fill future construction demand, and significant obstacles to expanding the supply of potential workers.He thus predicts:Construction wages will rise due to competition for scarce talent, stealing workers from other blue-collar industries.Workers will continue to flee the rust belt to the Southeast and Coasts where construction jobs will be.Since immigration laws will impede importing labor, sectors like agriculture and manufacturing will continue to move overseas.Other sectors will also hurt as rising costs for construction crowd out consumption. 

Chances are that he has drug or alcohol problems.

I'd be easy to argue that whatever you save now is insignificant in the future, but what you are really doing is training yourself to delay consumption now to reap benefits in the future.

At some point during the next 20 years that interest rate will obviously go up.The kicker here is that, after getting used to that $1333 interest only payment (adjusting eating out and consumption habits, etc), even refinancing into a 30 year fixed and being back at year 1 of 30 isn't going to get it that low again. 

There are also CC processors out there that specializes in things like tobacco online sales or alcohol, you might want to setup an account with them if all fails, they are expensive but creative and some are scams, but you have that option.https://commercesolutions.jpmorganchase.com/lp/lr_ps.html?

Put Mandatory Drug and Alcohol testing in your lease.  

Figured I'd share and I'll update with some overall cost/use consumption numbers...

The company did shady stuff and it is now being investigated by the state.4) CA Dept of Financial Protection sent out a questionnaire to the investors who really want to answer it honestly.Two of the families basically lost their whole life savings and then some - one guy became a raging alcoholic and lost his family farm, another lost his business and filed bankruptcy on loans he personally guaranteed aka the bank is taking everything he personally owns.

I don't necessarily hold Austrian Economics views in high regard, but it's undoubtedly true that the Fed inadvertently creates asset bubbles by trying to control prices, inflation, interest rates, consumption, etc. 

Many of your peers will likely spend large amounts of money on a flashy car, tattoos, alcohol, and strippers.