There needs to be a good balance of living in a fashion that makes you happy and properly preparing you for the future.

The drug epidemic lives on, the Mexican Cartels continue to thrive and the American Taxpayer weeps. 

If you look at the website Investopedia https://www.investopedia.com/news/how-much-income-...and the 2016-2017 Tax bracketshttp://www.bankrate.com/finance/taxes/tax-brackets...What you'll see is that the top 5% of the wealthiest americans according to the tax brackets and income levels which starts at $214,462 a year, according to the chart you provided that means the top 5% of americans donate 14.2% of their income and the poor (those making $0 to $25,000) donate 12.3%.  

The number one reason Americans don’t built wealth is car loans.

There are thousands of super intelligent and experienced investors, but the average investor on BP is not that educated nor experienced with real estate and most-likely does not have the ability to make informed decisions well-enough to negate inherent risks they don't even have a clue as to their existence.I was about 65-years old when I was speaking with an elderly African-American woman as she was signing a contract to do business with my company and she mentioned an old-saying I never heard before.

It's called the American dream because you have to be asleep to believe it."

If she cannot pay (for whatever reason baby or no baby) then deal with it in the normal fashion.

And as Americans, we are very proud of our creed that "All (people) are created equal". 

Thanks for sharingImmigrants beat Americans on this front over and over and over again and it baffles me how it's not noticed.

We'd like to know if there are factors we are not yet considering in the above analysis and if there other options we should be looking at for real estate exposure in a mostly "hands-off" fashion.