Now, this post gives me the courage to actually take the baby steps. 

We put in baby kennel while we painted.

Have you never given a holiday gift to your kids teacher, or your mailman, gardener, baby sitter, etc?

Especially with a newborn. :)

If you cannot evict a single mom with a baby on her hip on Christmas day it is not something that you need to do

Finally she answered the phone and said she has no money, has health issues and her baby father just got shot last week and she is depressed.

We’re seeing baby boomers move out of our work force and into retirement meanwhile the millennial generation is moving into the bulk of their working years and many of them will be working and making decisions in this country for the next 35-40 years.

There's a blog/site called retireearlylifestyle.com that I highly recommend if you want to see how wisdom, frugality, and the willingness to take a different approach to early retirement has been going on for 20+ years, before concepts like FIRE were main stream.I'm a Dave Ramsey fan and we recently became Baby Step 6a Debt Free...all loans and personal residence paid off, but we still have rental loans. 

But looking for someone special to own its baby so she thought of me.

That would go straight to my daughter's piggy bank.The remaining $2,530,349.00 would go into a mixture of Real Estate multifamily/hotel deals in Cincinnati, my wife's gofundme account...the "hey baby can you go fund me a new pair of shoes?"