The 97% you refer to here quit before they hit their "REI or quit-my-day-job goal" because they got tired, but not of digging, but of the weight of the pick on their shoulder ⛏️⛏️⛏️ unbeknownst to them that gold is just within reach 🚶🏆... 

Study a lot; ask a lot of questions and maybe find someone who knows what they are doing so you can look over thier shoulder.

Given the banks can now borrow for 0-0.25% with the additional $1.5 Trillion+ pumped into the economy by the FED, they should be able to shoulder a couple of months of missed payments. 

I ran into the mayor one day and told him about it and he shrugged his shoulders and said "better than it used to be". 

If someone moved into that home and trashed it in one year, should I simply shrug my shoulders and let them go without charges because it was beyond it's life expectancy?

It was like a 300 lb weight was lifted off my shoulders. 

I did see someone who blew their shoulder out on impact.  

It takes a couple times to get your balance down, but I can literally go for over an hour where I can't go for more than 30 minute watching tv.Madden keeps me excited and completely engaged, I don't even think about working out.I also try to lift twice a week in my home, but I hurt my shoulder two months ago and I haven't been able to lift much at all.I always try to stop at a grocery store instead of fast food.

Over the years as they’ve apparently grown bigger, they seem to project a “better than thou” image with a chip on their shoulder and that doesn’t sit well with me.  

It’s so nice to be older and not have that macho ego on my shoulder as often  A little off topic but your story reminded me of one of  my earlier deals when i used to broker at the street level.