My wife likes to call them 'lil baby chick eggs'... you have to pay attention to them and take care of them. 

Because of that, while they're at work paying for their house and their junk, you and your wife can be in your living room with your baby, writing BP forum posts at 3:10pm on a Wednesday, because neither of you need a 9-5 job anymore since you have a multi-million dollar portfolio working for you (true story, its our story) .To answer your down payment question, there are two reasons NOT to put 20% down on a property - you can't afford it, or you can but want to use more leverage to invest in more properties.

CCC, Baby! 

They are a single family income and she is pregnant with baby #4. 

We have future plans together for our house though believe that baby!!!

@Natalie Schanne short term rental baby!

We put in baby kennel while we painted.

:@Steven CoppolaNo only will it not die but it will increase . 80 million millennials assure that and 80 million baby boomers dying and also giving up their family home for downsizing reasons and health reasons .

Also, the pay and rate of success is a lot higher than most who try to retire in their 20s.Let me share an example of a "Why" that provides motivation looks like....I started real estate investing in my early 30s because I realized that most Baby Boomers are going to have problems living longer on lower incomes.

Maybe because my teacher (taught my brokers class on L.I. ) was my partner but I'm being a big baby!!