@Henry Clark Hey Henry, living on a boat in San Diego is definitely a unique lifestyle!

Sometimes lifestyle wins over spreadsheets.

As your income grows with promotions and new jobs, resist the urge to immediately upgrade your lifestyle.

In order to overcome those limitations, you would have to either drastically change your business model to short-term rentals (which sometimes may not be feasible at all or may be detrimental to your business) or drastically change your lifestyle (such as one of you quitting your W2 job and becoming a full-time investor.)  

For your own home, think lifestyle first (pets included).

My net worth after all lifestyle expenses increased by over $2.5 million in the last 12 months.

I adored the coastal charm, affordability, and the lifestyle flexibility really stood out to me.I’m planning a temporary relocation to South Africa (6-8 months), where I’ll continue working remotely while learning the ropes of passive income generation through property.

Neither group is fully correct or fully incorrect in my opinion.It really depends on your goals, your lifestyle, and your timeline which end of the cashflow - to - appreciation spectrum you want to fall on. 

Investors should do a self assessment periodically to figure out which strategies best allign with their lifestyle and limits.

its a sad commentary to their lifestyles its just systemic and what they know ..