My best friend was one of my neck surgeons!!!!

Saving on flooring in general: the vinyl guys here charge like they think they are heart surgeons.

I am sure third graders all over The States would be proud.I am sure that most of the brain surgeons that you compared yourself to would know the difference between a cpu and a computer too.

@James K, please let me know when you should become a certified surgeon.

They are making if a surgeon maybe 500k to 600k a year.

They are broker than most.It doesn't take a brain surgeon to see conspiracies either.

Especially if for example you each make 50k a year.There has to be some HUGE event happen for people to truly get ahead such as (inheritance, selling of the business, career with very high incomes such as surgeons, etc. , accumulating properties at bottom of the market for big equity gains etc.)Ongoing rental cash flow is a slow investors game to hopefully wealth but the reality is to achieve enough to stop working is very difficult.

If you're a heart surgeon with no debt and making $200,000 a year, you can probably just write a check for the $10,000 roof or $1,000 water heater and a reserve is less important.

We wished our tenant well and told her to keep in touch.A friend of ours, a former cardiac surgeon, told us something interesting after we shared with him and his wife, a former educator, about our dilemma.  

This is about as true as saying a DR does nothing, anyone can just look up webmd, why waste the $ on a Surgeon everyone has knives at home..... and with similar results.