@Anish Tolia you’ve now used unicorns and politics to make an intelligible argument.

I forget what book this quote is from, but “a persons income and expenses will equal each other unless that person actively works to prohibit it”.Intelligent Investor?

I have heard there is no longer a limit, but am so disconnected from the VA loan that I can't speak intelligently on it. 

A big part of me wishes I would have had the same direction and financial intelligence I do now, I perhaps could have devoted that time and money that went into school into starting my business, learning a trade/skill that pays well, or joining the service and gaining benefits when I get out as you stated.So perhaps you can take the advice of other comments and apply it to your situation.

But if you wait too long, and don’t intelligently utilize leverage, you miss out on appreciation, cash flow, tax benefits over the years that you sit on the sideline.

Analytically, one of the major reasons was the artificially low supply levels, as people are not moving as much in the era of covid. 

That being said, there’s a ton of research on emotional intelligence.

The generation I am referring to is tech smart and book smart, but they lack street smarts and emotional intelligence along with strong work ethic. 

  - When you have the capital you can then make intelligent investment decisions knowing that regardless you have a fully funded 401k and living expenses to cover any unforeseen circumstances.   

There are lots of very intelligent women out there and, from the way Brandon Turner talks, Heather is very smart when it comes to the PM side of things and probably keeps that side of things running a lot smoother than he could.