See how horribly (zzzzz) they explain below:Warning SignsYour partner’s spending habits or debt directly inhibit your ability to save money for your agreed up goalsToo much credit card debtThey have lost hopeThey are resigned to working to normal retirement age and just do a job that they have tricked themself that they enjoy :/Tips to have this difficult conversationsBuy an expensive dinner or bottle of wine and do what you need to do to have an interventionTravel offsite, make it special and unprecedentedBring a moderator or another like minded couple (your network is your net worth)Have then talk to another person who gets it (we are products of the 5 people we hang out with most)Remove them from bad influences (podcasts, books, magazines, tv shows, people, family, etc)Keep your conversations positive by reiterating some wins while reinforcing where things are goingDon’t start out with We need to talk” or “There’s something I’ve been meaning to discuss with you.”Focus first on shared goals and then discuss how you can achieve those goals together, reconfirm these goalsDon’t point out faults to your financial shortcomingsUse “we” or “us” not “youRe-confirm your common goals – values you both share and what you hope to accomplish togetherWhat are your hopes and dreams?

Drive a moderate car, live in a moderate house, keep consumer spending and most importantly consumer debt to an absolute minimum.

@GS ThandiCmhc provides moderately accurate data.

@Félix LerouxI found the BP books to be of moderate value for Canadians.

Thanks..Note to moderator.

Better cash flow can be found with good properties in several south I-5 communities since they have some moderately declining populations and less diversified economies, and therefore demand a higher risk adjusted return.  

Rental Market and Cash Flow: The rental market for commercial multifamily properties in Mobile, AL remains steady, with rental rates seeing moderate growth in recent years.

I’m probably going to log out of here for a while because I’ve made my assessment based on feedback (1) there are some guys exactly like me out there who know this is messed up, thanks for letting me vent (2) there are many honorable real estate agents saying “that’s awful that he lied, here’s some practical advice” (much appreciated) (3) there’s a handful of shark brokers with a couple decades of experience, thousands of posts, infinite BP resume boosters like podcast guest appearances or moderator status - and most of these guys very clearly have a different ethical standard than myself and seem to live life by a different playbook.

Quote from @Marcus Auerbach: Where are the moderators?

Bill Gulley for Moderator:)