Its a tough pill to swallow to spend money on things that don't "need" to be done immediately but it can help retain the long term value of your investment.  

. - does not indicate the ESA is a treatment (or prescription) for any condition - just a mental and behavioral health condition.- does not have a signature- does not have specific wording to comply with regulations (legal diagnosis, statement of treatment, ESA prescription, etc.)I believe CA passed a law (1/22) requiring the therapist to see the patient for 30 days prior to issuing an ESA recommendation and letter.

My thoughts are not prescriptive, but maybe something helped spark an idea.  

@Christine Krevalin - Any of my thoughts below are not meant to be prescriptive especially since we only know a small part of your story.

A title under a tax deed properly executed on or after July 1, 1996, at a valid and legal sale shall ripen by prescription after a period of four years from the recordation of that deed in the land records in the county in which said land is located.

Hard Pill to swallow, thanks I will figure something out

I don't mind paying a couple hundred extra on the mortgage that is going to equity but it's a tough pill to swallow when it going to the bank in the form of higher interest rates.  

but having been a for real HML company of that size or a little better.. when the 08 crash happened I lost millions of personal equity not 10 but half of that personally.. so its a bitter pill to swallow if the market has a big bust cycle.ergo depending on your age and your wish to leave something for your decendants ( which there may be no wish) you could also just figure out how much money you want a year.. put it all in CDs and spend it until its all gone .. usuaing a annual budget.

It’s a bitter pill to swallow, but hopefully will be a great lesson moving forward about never giving a contractor you don’t know huge draws.

Red pill. if you haven't taken it yet, join me.