If you are afraid to get out of your car you should not be there.

How many car payments do you have??

I get calls asking if I want to buy car insurance.

They are the used car salesmen of real estate.In addition, nobody seems to talk about the fact that, when you sell more than a 50% interest in an LLC within a 12 month period, IRC § 708(b)(1)(B) comes into play - which means a technical termination of the LLC has taken place.The LLC's tax year closes on the date of the termination and the creation of a "new" LLC for federal tax purposes.

Call your car insurance agent or renter's insurance agent.Is there any way that you can avoid PMI?  

If I remember correctly it was something like 43% of your income could go to your monthly loan (less all cards, mortgages, other monthly expenses), a family member had to use debit cards for 4 months instead of credit and pay off the car, to increase the loan capacity.

We have 1 car payment/debt with a pay off balance of 23k.

If you've ever listened to Car Talk on the radio you'll get that one. :)

My day job self insures for rental cars.

First, I'm not a typical real estate agent (I only represent my own deals), and I certainly don't deal with multi-million dollar properties, so this is just an opinion...I'm guessing that much of what they portray on that show is true enough, but the important thing to remember is that they only portray the most interesting and exciting 1% of what those agents do.For example, for every $400K "snap of the fingers" commission they show, they ignore the 20 deals that don't materialize, even after the agent spends lot of time and money wooing the client and marketing the deal.I'm sure the top agents are driving $100K cars (hell, I know some very unsuccessful agents who drive $60K cars), spend their time shmoozing over expensive lunches and have ultra-rich buyers who are happy to make offers site-unseen, but this doesn't reflect the other 15 hours/day where the agents are cold calling, dealing with tire-kickers, getting fired by unreasonable sellers, and spending money on banal marketing campaigns that don't generate any leads.Just my guess...