They need the commission to survive.

Bitcoin has not survived a real recession and government regulation is only just beginning.

Essentially at this point all my financial needs will be met and I not longer HAVE to work those 10+ hour days, nights, weekends, and holidays just to survive - so I feel tempted to take an extended vacation and just kind reflect on my accomplishments so far, take some time to enjoy life a bit, maybe find some new hobbies (which would undoubtedly cut into my profits a bit). 

You have to read about others' stories and how they survived during periods of struggle or epic failure. 

Now, I survive with the help of cotton in my ear, hot teas on my throat, and gardening books after work.  

And when you only buy houses that produce positive cash flow, you can survive any recession because rental rates are far more stable than home prices.

Its the assets of the 401ks that are the question.Simple scenario upon single death, the surviving spouse has the right to move the dead spouses 401k assets into their own 401k. 

I’m trying to look at this situation as I can survive until October and have the property settled in for the long haul of STR and MTR rentals.

What usually survives after this "readjustment to the world" is an understanding that thinking bigger is necessary to live at a higher level, BUT not everyone who lives at 1x is a fool or worthless being.Read it with appropriate caution, then read Speed of Trust, the Go-Giver, and The Millionaire Real Estate Investor. 

So on the one hand, betting only on appreciation is a gamble (and that's why I mentioned that you need to determine whether you can survive a market downturn) but on the other hand, you can use market and economic trends to get a certain "feeling" of where the market will be in the future.