Well articulated as always bro. I believe you're right about people needing to be realistic about how to enjoy the gains they may make. I personally am looking into real estate, college housing seems optimal to me. Buy one or two, five bedroom homes on a nearby campus, rent each room out for $500 a month. Pay each house off in 4 or 5 years maximum and collect the rents. Other than up keep and property taxes it should be a good earner.