your 40k will grow much faster in active REI than passive stocks, which are about to get hit again (not a popular belief, maybe).Push off your student loan debt as far as possible or structure your payments so they don't effect your cashflow.  

One of the key components of lasting financial success is putting away "lottery-winner mentality," the belief that making a lot of money is going to happen with minimum effort and maximum luck.

My why is all about “cognitive consonance,” it’s defines as state of harmony and internal consistency arising from compatibility among a person's attitudes, behavior, beliefs, and/or knowledge.

@Yonah WeissI have always considered education as “barbells for the mind”.It’s not so much the subject matter as working your brain making it stronger, learning to focus, to investigate problems and issues with logical thought - testing one’s knowledge and beliefs through rigorous examination.So education is valuable no matter what you do.In my case, I have a Masters of Science degree from University of Michigan but I went into real estate directly after finishing my “formal” education.That was a long time ago and now after four decades of real estate brokerage and investing, I still enjoy it as much as ever.

The politicians (including the new mayor), the large health institutions, all the religious groups and the university of Toledo are behind it.    

About me, I don't have beliefs. 

I believe in something bigger than myself- I'm a Christian so you can imagine what my beliefs are.

@Katie GreenmanThe limiting belief here is that you cannot do both.

Believe it or not, everyone and their dog are wanting to invest in Toledo and it’s even beyond my belief how much appreciation has occurred over the last 3 years.

Despite contrary belief, we close on a lot of deals sourced from the MLS.