The result is auto options that are outpacing many people's affordability leading to higher pricing much longer in vehicle age than has historically been the case. 

Real estate is an awesome vehicle to create more money ->time -> freedom to get back to California. 

We were renting out our house, living in the in-laws’ basement, experiencing medical and other hardships, and had $65K of debt (medical, consumer, vehicle, college, etc.).

You allocate a set amount of cash to each category and only spend what's in the envelope.Investing for Retirement:Once debts are paid off and a fully funded emergency fund is in place, Ramsey advises individuals to invest 15% of their gross income in retirement accounts like 401(k)s and IRAs.Debt Snowball Continues:After building retirement savings, the Debt Snowball continues with a focus on paying off the mortgage, aggressively tackling this long-term debt.Insurance:Ramsey advocates for adequate insurance coverage, including health, life, auto, and home insurance, to protect against unexpected financial setbacks.Avoiding Whole Life Insurance:Ramsey strongly discourages the use of whole life insurance policies as an investment vehicle, preferring term life insurance for its simplicity and lower cost.Home Buying:Ramsey advises saving a substantial down payment (at least 20%) before purchasing a home.

Interested in hearing tax implications related to buying short term rental property (out of state)let's say buy in 2023 , property cost 500k (building cost 300k,land 200k)would i be able to use bonus depreciation i.e 100% of building cost 300k (similar to 179 fir vehicles etc, probably 80% due to this year its reduced) or maybe split total cost for depreciation in 5 years or so,  when i buy investment property and use as a short-term rental ?

Investors have the freedom to choose their own investment vehicles, such as stocks: Gold, Real Estate, Debt, stocks, bonds, ETF’s, and mutual funds, allowing them to tailor their portfolios to align with their risk tolerance and financial goals.Cost Savings: Self-directed investors often enjoy lower fees compared to managed accounts.

I’m still not sure how it happened, but by the time we leave the meetings Jimmy owns a recreational vehicle, 4 acres of Florida swamp, a free and clear 4 plex fully occupied, and all of his notes back.  

I've literally put hundreds of miles on my vehicle driving around town to learn area.

I've got bad credit which I'm also in the process of fixing and in debt so I kinda see this as the perfect vehicle to exercise my investor mindset muscles. 

Personally, I think house hacking can be used as a vehicle to get you to financial freedom if that's what you're seeking. if you have questions hit me up. good luck