All Forum Posts by: Aaron Hunt

I'm absolutely at the mercy of my M3, but a happy and healthy family has always been #1 for me. My wife calls my car our second child. Yet, I'm thankful that it's a car, and not something like alcohol or drugs.

My Dad and I are both in medicine. If he didn't work, it's just one less doc in town, and more people wasting their time waiting for someone to refill their meds. In my case, it's just another doc working extra to fill my shift in the hospital. There's still a nationwide shortage. Neither of us take more than a week's vacation at a time. When his father and mother passed - we both stayed at work, and went to work the next day. He feels he has a real duty to his patient's healthcare, as do I now. It's not only about income, he used to work 6 days a week but now does 4.5. That's still a 25% voluntary reduction in "old-er age". We also do volunteer as well (ironically, during our vacations), but I suspect that will ramp up as the years go on - because financial freedom/independence will allow us to keep doing so.

Agreed. I was evaluating a multi-family deal recently and the utilities weren't split. 

Worse yet, they didn't seem to be baked into the rents either to pass on the burden to the tenants.

You can go to small claims for that, in case you don't have a security deposit to cover it and the damages already

Depends how old you are.

1. Forget about credit score. Doesn't mean much at this point.

2. Get a job (in case you don't have one already).

3. Work your tail off for 3-6 months. Live on cup o' noodles. Cut the cable. Borrow someone's Netflix.

4. Pay off student debt completely.

5. Use income from job to build a down payment.

6. House hack into duplex or 4-plex with 5% down, and rent out the other 1-3 units.

It's another form of the rich getting richer. Credit card points and rewards are a tax on lower-middle America who can't get their ish together.

I take full advantage of it with zero credit card debt of my own, and churn through cards like tic-tacs with a 800+ credit score that I leverage like a beast.

I get funny looks from my lenders though when they see about 50 fully paid but closed credit card accounts, but when I explain it to them they're like okay whatever...a little weird but he pays his bills.

I've been doing it for close to 13 years now. Several million points having been earned, and burned. I used to keep track of how much it was all worth but once it crossed $20-30k in benefits, I gave up years ago. Other than one JetBlue Mint flight in the past year, I can't recall in the past decade that myself or my family has paid for air travel or hotel stay (domestic or international). I used to also use AA miles to rent cars before they caught on. Used to get rental cars for like $5 worth of points, it was ridiculous.

Not an attorney and don't know the rules in your area, but I would think it's good to go.

I'd probably just take a video of me entering the property, in case they come at me for "kicking them out" when they're not even there, (or if they're still in there and try to shank me...)

The second good piece of advice in this thread.

The first good piece of advice in this thread.

That is some major leverage! If there is no major market tankage, you're going to be really happy 10-15 yrs from now.