As condominium associations struggle with financial burdens and defaults increase, the lifestyle and environment they were built for facing increased strains.

Collins says ~4% annual withdrawal of your investment holdings to cover lifestyle. 

Had been sitting on the sidelines so long but finally after discovering BP I learned the lingo, started listening religiously and boom, within a year I have my first deal.

Using our debt calculator this snowball along with no lifestyle inflation will get us out of student loan debt by the summer of 2020!

Live a frugal life style.

I promise you in time that lifestyle will catch up as the market will turn and catch people who are living to close to the edge.  

Since we've got a little scale, and found a bank we like, that hasn't been an issue.I like the long term thinking.I would advise to set goals tied to your lifestyle goals and money/income, rather than units. :)

Another point to clarify is that our lifestyle has not changed one bit. 

In this case, I will assume your goal is financial freedom.Financial freedom is more than just replacing your current income; it's about maintaining your current lifestyle for life.

The problem I see with trying to payoff your ARM's would be the liquidity, use, and control (LUC) of your money which would be severely hampered especially if you're doing contingency planning for retirement, life style cash flow, disability, etc.