We are down to one rental.. as soon as that tenant leaves we will sell that one.. on CPA charges you might be able to save a few bucks not using west coast based practitioners ? 

My friends are generally a low- or middle-income crowd: many of them are artists (for instance, they're professors and practitioners of art), or they work for non-profits, or they're school teachers, etc.

So while there isn't anything "wrong" with gym membership, tithing, PG&E, and dental insurance being on there, I'd just be going through and deleting those items early in the process.If curious, I believe the thinking is that while someone in general isn't going to be worse off for paying off a credit card to qualify, we can't have people cancelling or downgrading their health insurance to qualify, or failing to uphold their religious obligations.