Account Closed - I don't do a lot of baby loans, but I still think you've got some shopping to do.

This pre-tax 401(k) money will either be hit with a 40% loss now, or it will be hit by (what I assume will be) an even bigger loss in the future as taxes to rise to feed, clothe, house, and bomb the rest of the world.I also don't believe it is fair to say I am missing out on market gains.  

I use to own some Laundromats and know first hand how they get abused.  50 pounds of clothes in a 18 pound top loader! 

You will also need a lot of tack clothes for removing the dust from the cabinets.

They would much rather spend $500/month on a new car, $1600/month on a snazzy apartment, and go out every night of the week...then they complain about how they don't have any money to save, and their Baby Boomer parents had it so easy compared to them.  

Step 2 is changing your profile photo to one that's more professional, maybe where you're clothed.

I basically graduated into the recession with the type of degree that makes Baby Boomer parents roll their eyes and say things like "what did you think you were going to do with that?"  

We now rent that house and have purchased another, but with baby #4 due in a matter of weeks I think our house hacking days are over and we have to figure out another way to buy more properties.

I would buy the houses, than change my clothes and get dirty with this guys to learn what it takes to fix a houses. this went on for 2 or 3 years. than I was able to just keep them on daily wages and have a good idea of what is going on. 

When first baby came and needed a bigger space.