[BrokeAssMillionaire]

if there was another chance? Anytime   local city girls decent too but the village-traditionalized is the best. Doesn't have to be intelligence but at least 4 year degree, without job is fine 

Been to Hawaii a long time ago too but was able to drive around the whole island. I would recommend to get a car to travel the whole island. Do not go submarine tour, 90% you won't see fish and dark water. I stayed at Hilton so it's a bit far to Waikiki international night market. If you stay at Waikiki, then walk around for food. Viet food in downtown where you need a car. Hanauma Bay Nature Preserve is great for snorkeling. Honolulu Polynesian Cultural Center is another place to visit but do not buy diner package because it's not that good, rather to eat at somewhere else.

Have you ever looked at Tahiti? I would recommend Tahiti and Mo'orea island. Ferry from Tahiti to Mo'orea around 20 mins I think cost $25, my cousin is local so she got only $20 ticket/person. Stay 2 night at Tahiti to enjoy the city then 2 night at Mo'orea for the beaches. Best to have car for both Tahiti and Mo'orea so you can drive around the islands, take around 2 hours drive. Tahiti has a few beaches, especially the black sand beach with super clear water. Only 1/4 of Mo'orea island can swim, the rest has a lot of rocks, it's big thought, not that small, you can get to a few beaches here. Don't bring any food, you can get nuoc tuong, nuoc mam, mi goi, everything at the market  and it's cheap. If you go, let me know so I can look at the map again where to get good French bakery. Don't bother going to Bora Bora because you still stay at one area anyway, you really don't need to go another beaches on the island because they are pretty much the same. And the cost for flight from Tahiti to Bora Bora around $400 for 2 hours or a day of ferry cost $100. And everything is cost double compare to Tahiti and Mo'orea because they have to bring the food and drink from outside to the island.

Above middle class, they live in Roseville and El Dorado Hills. Elk Grove is a dead area where you have to shopping at Roseville and El Dorado Hills, that's like 45 mins driving. When the housing market crash, they cancelled shopping center in Elk Gove. West Sacramento is still a low income area. California property tax is around 1.12% that's why the housing is expensive. Temecula City is a small city and depend what kind of job you have and it's 1/2 between Orange county and San Diego, it's good if you're retire otherwise you would be miserable with traffic both ways. Transferable property tax only 1 in a life time from a primary home and must be 55 year old or older . Only Gov. offices in Sacramento and 2-3 high tech companies  They salary is decent for most of BS degree where it's above 6 figures after 10 years. And the best part is the salary automatic annual raise up to the max, doesn't matter how good you work and annual review, everyone gets the same raise. Annual raise is different where it's around 2-3%. Don't show your cousins my 401k, they would freak out   If they want to know, just tell them to go with the plans Large, Mid, and Small Caps, all gov. employee has the same plans, these are the only one that can reach to 25% gain. However, it's big loss if crashes. 

No BTC for me, as well as I know, some of friends were losing all and they're out of it  I only focus on CDs after retirement. If my calculation and estimate are correct, I may have 200k stable and conservative annual income starting at 60.