[Tèo]

Uh-oh! Don't assuredly state "No longer broke" too soon, brother. I've learned from social networks that most single retired men return to VietNam to reminisce about their childhood memories and spend the rest of their lives in a peaceful village with natural scenery. Eventually, they called themself "Miserable." So be alert! Bring your spouse everywhere you go. 

I agree that rental property is a torment, as I've also been through those terrifying experiences. Expanding the roof discussion, is there a limited year or time frame to replace the concrete tile roofs, brother?  

2008 - 2012 was a fancy time to buy houses in Arizona and other states. If your co-workers bought houses in 2005, they were at the cliff. Further, their property management might sneak and siphon off, then split the half with the renters (some cases I know of).

"Harvesting joy, one petal at a time." I support your savvy plans; simultaneously avoid challenges with those risky investments, okay? I am spreading my money everywhere; if I lose some, I can still survive with the others left. It's time to relax and enjoy our delightful lives before it's too late. I don't have to wait until retirement age; nowadays, I can retire anytime. 

Thanks for mentioning the cash issue; I honestly don't want to keep cash in a stock account as I am a bit addicted to gambling. I just set the right amount for stocks and never broke the borderline. Besides, after paying taxes, filing Schedule B, collecting forms, etc., I don't think it is worth it. I invested them all, except some reserved for the business' expenses.

FYI, since the IRS provides "Free File Fillable Forms," I do mine yearly without paying a penny for tax software.

Sorry for the late response, bro. Have fun!

I didn’t know you’re addicted to gambling  

What else ?