My son is a college senior and already successful in his chosen field of being a rock and ice climbing guide.

One is vanilla, the other is chocolate, but both ice cream. 

Use the remaining 10% to treat you (and your loved one) to whatever it can afford, a dinner, an ice cream, a coffee.

You can do the things you enjoy (For me it was playing Hockey) and turn it into business opportunities.  

Taking into account a global economic shock, a coinciding drop in energy prices, many small businesses that won't recover, unemployment, the possibility for a run on US Dollars which could cause the USD to spike, plus municipalities and retirement funds who were already on financial thin ice – there's a great deal of risk and the combined headwinds are enormous. 

I think once you factor that in and for sure lower on going maintenance Vegas is not all that much different than many mid west higher tax rate markets that are subject to snow and ice wear and tear.Now I like Ohio i do a ton of bizz there and do stuff in Toledo as well but just throwing this out there as a fellow west coast investor..  

I did a quick Google search and found a $200 million project called Glass City Riverwalk "Glass City Riverwalk is expected to become one of the region’s most popular destinations, with year-round outdoor recreation opportunities, including adventure play areas and an ice skating ribbon." 

We have great Metroparks, a world class zoo, minor league hockey & baseball, etc.

But we have minor league baseball and hockey, college basketball, baseball and football, 2 drive in theaters, 2 lakes, 2 malls, multiple golf courses, country clubs, 2 skating rinks, an ice skating rink, museums, orchestras, theaters, some amazing parks, and tons of great food - all within 5 - 30 min away. 45-60 min away you have Amish country, major league baseball, basketball and football, Lake Erie, casinos, 3 airports, etc.

Is it good way to break the ice.