Education - Ive remodeled some retail buildings and rented them out but nothing fancy like a 30-60  unit apartment complex or bigger .

Recent ones were in Western Dress, till the current one was in a Mao Dress. 

I don't care to have a fancy car right now.

When he comes in to pay rent, he is dressed well and clean.

Just move on.There's a lot more verification that could be done to sift down through this but I think you would waste a lot of time and wind up in the same place anyway.And remember, anyone with some skills in Word or Publisher software can create all kinds of fancy-dancy documents proving stuff.

Obviously without the rider and with the account value dropping to $150,000, she wouldn’t be able to generate this level of income without the rider (hence their fancy marketing name for the rider).Bottom Line: this rider is not likely something you, as the beneficiary, will be able to use.  

Taking this at face value (because I don't invest in TX and don't know their laws) part of what makes a contract a legally binding agreement is consideration, a fancy legal way to say money.

Dont buy a fancy car and take on lots of debt when you turn 18.

I can understand that yeah the windows are needed because it's a fancy salon with an image to uphold, but at the same time if I just waited 1 year, I might find a tenant who would handle their own build out, and I might break even.I'm also nervous about:1.

@Todd GoedekeQRP is a broad term that applies to all Qualified Employer Plans of which there are many: 401(k), Solo 401(K), Profit Sharing,  403(b), etc.There are a few folks aggressively marketing under the label "QRP" or "eQRP" to make it sound like they have created something unique and fancy.