It simplifies the defense and ensures there aren't two separate insurance companies trying to place blame on each other. 

Everybody’s doing this from a very defensive posture and point of view. this market is gonna rebound like you can’t believe because the people who have been selling off want to get back in it.

What made him wealthy over the years is the fact that he saved a little at a time, invested it and it kept compounding over the years.

One of those houses sub divided the lot and built a compound (my guess is 10 to 12k feet dormitory) and an ADU that looks as large as my house on one of the two lots.  

Self defense classes may be your best bet. 

@Chris Wilkening Dave Ramsey is trying to help the most people possible (aka have a big audience) and the best advice for most people is to play things safe and let small gains compound over time.

Since you will be investing it on your 401K paycheck to paycheck you will buying out S&P 500 periodically and it will compound fast alongwith company match.  

@Franky Aikens The slight edge The compound effect Never split the difference Brandon Turners books..David and Goliath - Malcolm Gladwell (also, has other great books)Money Master the game - Tony Robbins (focussed on index vs mutual funds)

Those using the defense will need to certify that they’ve suffered financial hardship..." 

If the trim needs to be painted, use joint compound to smooth out rough edges from multiple layers of paint.