I was asking in a general sense.

And that reserve you're holding in your IRA has to be cash, ie, not invested in other potentially risky investments.Those are all general observations with do not apply to everyone.

She talks about real estate (owns 7 units herself) and other general investment strategies for the FIRE movement.

And in Miami, which is fairly expensive, AirBnB hosts that undercut the hotels make it a lot harder for them to compete.2 - Residential areas that are near or within tourist areas end up being part time hotels and people living there have to deal with non-stop partying, noise, overcrowded common areas, and people who generally just don't respect the property or other tenants.

Don't rely on a general discussion website for legal advice.

Yes some people have an attorney "On retainer" In other words have paid in advance for their services as needed but generally you won't need that. 

My job gets me down  at times, but is generally pleasant and I can justify it if it means more opportunity to set my self up for a solid art career in the medium term. -- I own a house (purchased for 495k, 540k current est. value, 2400 mortgage + insurance/taxes). 

Or just general tax savings? 

Im no contractor but I’m decent with general paint, plumbing, electrical, etc.

Always risky to give advice without a credit report in front of me, but in general...- Open two more credit cards. - Keep credit card balances at 1% to 14.5% of the limit.- Pay them off in full every month so you aren't paying interest.- If someone in your life that trusts/loves you adds you as an "authorized user" to one of their cards, often you will inherit the full credit history of that card - for better or worse (so pick a 10 year old credit card that they've never had a late on).