You can NOT break down the 50% Rule by predicting the individual expenses in this fashion.

@Benjamin A Ersing I was just discussing this with my 82 year old Sicilian born father (I'm first generation American).

Once money is put in a retirement account, it's behind a firewall that lets it grow in a tax-advantaged fashion.

While I haven't (knock on wood) been in this situation personally, I would contact Rent Recovery Service which has a partnership with the American Apartment Owners Association.

Ironically, most of my hobbies have become an income source in some fashion.

You are not immune.The American Association of Private Lenders has a great website dedicated to opposing AB 1771 HERE.

Just finding a good bank can be hard after the 2008 housing collapse banks started to behave more in a normal fashion can you afford the house, location etc.

When an accountant does your books he generally does not do your books in a fashion where he proves whether or not you are providing him with accurate and legal information.

Those arguing to just blow em off in 1 form or fashion, lol, well I am blunt and compulsively honest so I will just call it as I see it that they have no clue what there talking about, that's a fast-track to more problems. 

“Opendoor promised to revolutionize the real estate market but built its business using old-fashioned deception about how much consumers could earn from selling their homes on the platform,” said Samuel Levine, director of the FTC’s Bureau of Consumer Protection.