From what I'm reading here (and all over BP) is that's not necessarily the way to go.I think the biggest mental hurdle for both of us is that cash flow is better than equity - especially when we're so close to paying it off.

Its all mental.

And lastly, since W2 employees can't deduct any mileage expenses associated with going to or from their places of employment, I calculate how much the federal government is saving themselves in tax rebates by making what I consider the BS legal tax claim that no W2 employment transportation expenses going to and from work, none, zero, nada, may be deducted from one's income as one's personal expenses related to making a living.Down against rush-hour traffic I go, mentally adding up the hundreds of thousands of bucks the gas company is making off the traffic, the millions the government is saving off it to add to their own budgets, the hundreds of millions the finance companies are raking in.

She signed. 1 year lease with me, later month to month payments.I was informed that I cannot do anything, sunset she is mentally disabled. 

It still feels like it has that old school mentality here where they control who can build and who can build what, and they aren’t keen on out of state folks. 

Mentally viewing it as a $3,000 cost this year and having zero free cash flow this year is the mistake.

(Whatever answer they say, mentally in my mind I always know there will be at least one other "adult" there)Do you smoke....anything....vaping, MJ, cigarettes, etc.

@Nico Murillo Why on earth would you come to Texas before absolutely exhausting your opportunities in California or places closer, including places like Arizona? 

I try SO hard to stay away from the mental health coaches as they do serve a purpose but they're trying to sell you at THAT specific moment.For example in my field generally NO ONE wants to talk to us but we're a pretty important cog in the process.

Takes the exhausting market timing out of things.