Detailed financial planning analysis can hone in on the actual number with a high degree of accuracy. 

Well unfortunately, there are very few resources available to do this with any degree of accuracy.

I don't have a bachelors degree, so I can't take the CFP test. 

Great 360 degree view.  

As a strong W-2 earner with your degree, you're putting yourself in a great position to qualify for a loan. 

Drive a 10-20 year old car and certainly the only people going to college had a job, or kind of job in mind that required a degree.

When you start to think in units of time spent and measure your resources inputting valuable hours of herding cats for a 120k loan amount for 1.5% its a 90 degree and diminishing return sum game as a broker.

Regardless, society has made it much easier for most people, in most cases - imagine if the less fortunate weren't supported by the rest of society to some degree.

He has a degree in finance and business and is just a capitalist out for profit.

Here’s my journey: I earned my accounting degree in 2011 and went on to get my MBA.In 2013, I started working at an accounting firm in Los Angeles doing tax, payroll, tax planning, and more.I became a CPA in 2015.In 2017, while preparing a client’s return, I saw firsthand the power of passive income through real estate.In 2018, I started investing in Indianapolis—buy-and-hold, BRRRR strategy, and building out-of-state teams.In 2020, I transitioned into multifamily real estate.