We all need this reminder in today's economy, work-life style.

Don't make a decision on your primary without factoring in lifestyle preferences.

Been doing it for 4 years and it has enhanced my returns significantly.In the end there is no magic bullet of safety, liquidity and high yield returns in this rate environment. 

There is a faction of investors on here that have steadily urged caution and cited the risks vs rewards of leveraging up properties without adequate reserves, but in my observation they have been in the minority.While I’ve always erred much more on the conservative side, when refinancing recently I struggled with the decision of whether or not to pull out as much as equity as I can and leave 20% down or stay more conservative to enhance cash flow and keep my leverage down.

At the same time stimulus checks have gone out, enhanced unemployment benefits for those affected were making some people make more than they did when they worked and the CARES act gave unprecedented access to retirement accounts. 

If you can deal with the hype to go with it Lifestyles Unlimited has some meetings in town too. 

We need to enhance our screening to include behavior criteria so that when get rid of the bad apples that we won't replace them with more bad apples.

You two currently make over $9k/month but your retirement number is only $4k.Are you sure you can reduce your income by over 50% and retire with the lifestyle you want/have now?

Anyone apply for the New HARP refinance program named as Freddie Mac Enhance Relief Refinance)?

So basically you put ALL of your money through the ALOC, then basically change your lifestyle to house poor.