A couple of years back ~mid 2016.
Co-worker: How can I invest in rental properties locally? I can start saving up some money from this job. (He makes $100k+ in engineering)
Me: How much do you have saved up? Can you put 20% down on a $70k property?
CW: I have about half in cash already, can have $15k in about 2-3 months.
Me: What if you got rid off that new F-dually? That would cut down on payments, insurance, gas, maintenance. You could have the funds sooner.
CW: How would I tow my boat then?
Me: You used to tow the same boat with a small Toyota pickup. You can buy another used one for a fraction of the price of that penis-compensator you ride twice a day.
CW: You immigrants are cheap, no wonder you pay cash for everything and buy all the foreclosures. I don't want the rest of my team making fun of me.
Me: Yes, we do the work that you can't handle, and we buy everything that you can't afford. And then we rent to y'all. And BTW you're over 40, none of the guys give a shit about what you drive, wear, eat, live. They will smack talk, but that's normal. This is a military environment, give some get some. Handle it like a pro, you did 20 years, you should be used to this.
CW: I was only joking, man!
Me: If you want real advice, HTFU and GYST first to man up. Then we can talk investing man to man. Until then it'll be lecturing a man-child.