27 mutual funds in a portfolio with fees in the 2.5% range? Like my brother, investing with a long-term buddy is a sure way to guarantee one of you will reach the yellow brick road.

With a $215K salary and zero money sense, their frugality seems a massive waste. Who hires people for such a salary whose financial philosophy is limited to keeping spending low. Their assets would be so much higher if they had been smarter - in spite of the house inflation windfall gains.