One other thing to think about is your health. If you own rental property, you can save a lot by doing minor repairs and painting yourself.But are you going to be able to do that when you get older? For example, because of nerve damage from back problems, my balance is not very good. It would not be safe for me to get on a ladder to paint, for example. Other than things like that, I am fine. I just spent $400 for sheet rock work and painting in the dining room - stuff I would have done myself 15 years ago.
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