Here is the full explanation:http://www.madfientist.com/how-to-access-retirement-funds-early/ I think I've read that article at least once, and it doesn't sink into my tiny brain.

Our mortgage payments are now much lower than current market rents  (and although we only have a modest 3 BR, 2 BA with a little tiny front yard.

Here are a couple of things that help me save and also, I think, challenge me to live a tiny bit more lightly on the planet. 1.

A big, fat, happy California Public Pension paycheck every month for the rest of my life and a 39 unit apartment complex with a monthly mortgage smaller than The Grinch's tiny, shriveled up heart. 

You see, there are many teeny-tiny things you can avoid to save up money, they do make a big difference.Sell All Unused Things: Did you ever really think of digging up your attic or storeroom?

Real estate is a very dirty industry because of the easy barrier to enter and the large quantity of people thinking it’s so many good deals out there. 

Twist the math anyway you like but not taking a chance on over 100m for a tiny $2 investment is foolish to me. 

Wipe surface with TSP (1/4 handfull in 1 gallon bucket 3/4 filled water) using cotton rags (real cotton, not the non-absorbent stretchy stuff.)Dab latex (paintable) caulk or toothpaste into nail holes with finger (very tiny amount to just slightly fill the hole) wipe with dry finger, palm of hand or rag.When dry if there's still a sheen when viewed at angle then lightly "scuff-up" surface with 400 or 600 grit sandpaper wrapped around a 1x3x6" sanding block in long vertical sweeping motions.

IRR due to the short hold time and tiny FHA down payment on that was north of 75%.

Even though my first deals were wholesaling deals because they required no money to start out, my first real experience in real estate was building a house.When I met my husband and moved in with him 25 years ago, he lived in a tiny 500 sq ft, 1 bedroom house he was renting.