JoCa

Sounds like you've got it figured out.  Awesome!  
I would caution against thinking the market could only crash 5-6%
https://www.trulia.com/real_estate/Louisville-Kentucky/market-trends/
What is interesting is that if you look at the long term trends KY never crashed b/c it never participated in the housing bubble. From 01-06 prices increased 30% not the 80-100%+ that most of the country experienced.  And thus it never really crashed (prob. b/c they never really overbuilt) it just stagnated for a long, long time.  Prices have increased maybe 30% so you are right, it may never crash, just stagnate for a long time.  I will say as a slight antitode that in some areas the charts really didn't do justice to what was happening on the ground in some areas.
Sounds like you've done very well financially and have a lot of similar habits to me.  I would also recommend getting out of debt soonest . . .a 30 year mortgage is just dumb. Over a lifespan it is highly unlikely that one will go 30 years without a job loss (lose you home), job change (move homes-new mortgage), or major medical (lose home).  Get it and pay it off ASAP.

Anyone who is thinking of buying a house or expanding, etc.  I'm telling you be very, very cautious right now.  This sucker is gonna pop . . . soon.
You can trace the housing market back over time and generally speaking every 7-10 years it drops.  2008, 2001 (very minor), 1990, 1984, etc.  Most of the time it coincidence very nicely with the economic and economic recessions.  I'm telling ya, all the signs are there for an economic recession to happen real soon. Fed will raise rates in Dec. they will probably get in 1 or two more rate hikes before June.  My guess is that sometime around then the yield curve will invert and within 6 months we will be in a recession.  This time next year is gonna look a lot different.
So if you are buying you need to be darn sure you are good for the recession.  I would also be very cautious about timing.  I actually have to buy/sell soon and I am getting everything ready for Spring, I believe it will be the last hurrah-I'm getting out now and taking my winnings to play ball somewhere else.
The last thing you want to do is build a house (get the loan, etc.), wait 6-12 months to move and then you find you can't sell your current house. 
I have no clue how bad the recession will get . . .but interesting story that most people don't know about the housing crash.  There were real estate deals that happened, i.e. people came to closing signed the documents, lawyers signed off on it, etc. that the banks failed before the lawyers collected the cash to pay for the loan; i.e. the closing proceeds came from the lawyer's pocket rather than the bank. If we get into a credit crunch, it could be real bad.  I have no idea if it will be a credit crunch recession or just a "normal" business recession.
The other thing you could do is find out exactly how much of the house has to be finished to get a CO.  You might be able to build a 2-story shell with basement, only finish the first level get a CO and then overtime finish the rest of the house. I plan to go down this route (build as big as I want but only finish off what I need immediately).
So if you are going to build, I would sell ASAP!!!! And if you are going with a cookie cutter builder, be cautious it will probably be a lot cheaper in a year or two . .. as in the immortal words of G.W.Bush "this sucker's going down!".
My targets are Dow takes a 50% haircut down to ~12000, it might briefly hit 10k (I don't expect it to go under). Nas >50% haircut, housing probably at least a 20% drop.  I'm getting ready to deploy some capital to buy up some cheap stuff in a year or two.
 

I agree with much of what you say. I will amend that in today's society the man is expected to automatically bend to the wife's desire. But if the man expects certain things out of the wife, he is sexists, misogynistic, etc.  Again, people use the term SWMBO, but if they ever used the term HWMBO it would be "what a jerk, abusive husband".  
I'm totally cool with women and children on lifeboats, I'm glad that for an emphasis on women, however without a proper emphasis on the man's role as leader and head of the family . . . it falls apart.

I agree with some, but not all of these.
Let me just point to some things:
1.)  Elevate women... destroy men.  3rd wave feminism.  Cancer.  But it's like all these progressive things - the powers-that-be makes you get the impression that this view is shared by many, especially because the universities that are the laboratory of the youth are complicit in this.  But the reality is - only 23% of the population identify with these people.
2.) "happy wife, happy life".  This is another version of Women and Children on the boats.  It's a MAN thing.  Men don't need emotional coddling.  Women do.  Happy wife, happy life is an acknowledgement of this basic general difference between men and women.  It's... should I say... unMANly to say Happy husband Happy life.  Husband's are supposed to not be muh feelings.  I mean, that's part of the weakening of society - the muh feelings weaklings put in charge of leading people.
3.)  women in the USA today don't know how to be wives as mothers in the same manner that men today don't know how to be husbands and fathers.  It's the dissolution of the basic family unit that is causing this.
 

I don't know what to tell you, other than I am glad I am not you, but you must understand that I have a huge dislike for complications. You are comparing yourself to a woman who has been abused, your situation has nothing to do with an abused woman, or an abused man for that matter.  You're a married man, AND you have the hots for your sister in law to where you have such an attraction to her, you've created this thread. That's kind of creepy. 
What is it you think the LDS community is denying you? the second commandment is to not make graven images, what does that have to do with you? 
 
What do you want? Do you want for someone to come along and tell you that you're ok? This is ok? 

?? Dude. A woman who is being physically abused is vastly different than saying "hey I fantasize about other women outside of my marriage, I wonder what would happen if I said something".
Two totally different things.  Don't compare yourself where you are committing sin to one who has sin being committed upon them, you don't get to claim the victim here. No the 2nd great commandment is getting fulfilled.  "Love they neighbor as thyself".  I would be telling a younger me the same things I'm telling you-not b/c I hate you or anything of that nature but b/c if you don't watch yourself now, if you don't start guarding yourself now you are in for a lot of pain down the road.
Consider it a warning based on of love for my fellow man.  (Something sadly today's society has forgotten about . . .sometimes love requires a stern tone). 

To the first paragraph (bolded) . . . a big well no duh.  That is how adultery and unfaithfulness always proceed.  It starts in the mind by fantasizing about other women, the "what could be, what might have been, what maybe should have been".  Yet inevitably, that is all it is a fantasy and the sooner you realize that, the better.   The fantasy will never be reality and if you ever attempt to make the fantasy reality in any way, shape or form, you will be in for a lot of heartache and misery in your life.
I have a very simple solution to 1-4 . .. be married to your wife!!!!  You have already committed adultery in your heart:
27 ¶ Ye have heard that it was said by them of old time, Thou shalt not commit adultery:
28 But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.
29 And if thy right eye offend thee, pluck it out, and cast itfrom thee: for it is profitable for thee that one of thy members should perish, and not that thy whole body should be cast into hell.
30 And if thy right hand offend thee, cut it off, and cast it from thee: for it is profitable for thee that one of thy members should perish, and not that thy whole body should be cast into hell.
What exactly do you think Christ is talking about here?? He is talking about your situation, right here! Pay attention to the Words of Christ! You've got to become married to your wife.  Right now you have a piece of paper that says you are married, but a piece of paper is just that a piece of paper it doesn't say anything about what is really going on. Stop worrying about other women and concentrate on and worry about your wife.  And yes your wife is right about the 9 years.
Right now sir, you need to take care of your actual marriage, b/c if you don't you will find sooner or later you won't have a marriage.
Grow up; be a Man of God instead of a slithering carnal man of nature.
 

There once was a card, a loose wire
Revealing unholy desire
On Mormonhub's forum
Long lacking decorum;
Let's all leave the swines in their mire.
(Other possible final lines:
Let's leave the poor guy to his pyre. Look out! Those are straits mighty dire. Lo, such leads to infernal fire. Listen up; that's no celestial choir.)

1. Simple, you stop yourself from acting on your impulses. All of us have impulses to sin from time to time, you ignore it, recognize you are wrong, and move on. If you are struggling to ignore it, ask Christ to help you ignore it. As 1 Corinthians 10:13 says God won't allow you too be tempted above what you are able.
2. Once again this is easy. It's all about intent. If you are talking to women with the intent to attract them to you, your flirting. If you're just being friendly then you aren't. Like everything in life we control our thoughts and impulses, asking for help from God when we feel overwhelmed.
3. This is also something you can do. You married your wife and had kids with her. Love is a choice. Serve her, do things she likes or you both like, compliment her and spend your time treating her as the wonderful woman you claim she is. As long as you keep taking these trips through fantasy land you won't be able to love her. You married her. Your reasons are irrelevant at this point. Can you imagine going before God and explaining to him "Well gosh Lord I left my wife and abandoned my children because she wasn't exciting enough for me and I don't think we were soul mates". Of course you can't. Marriage should only be terminated in cases of abuse or adultery and right now, from your description, you're the only one flirting with adultery.
4. DON'T! It's irrelevant to you. Your sister in law could have the beauty of Aphrodite and the purity of Joan of Arc and to you it would be irrelevant. You are flirting with adultery, even if only in fantasy and abstractly. Why would you continue to pursue that path? I have sisters in law that are beautiful and awesome as well and yet I never feel the need to tell them that. To me that's like an Alcoholic asking if it's ok to sniff the wine and talk about it's aromatic qualities. 
You are not an animal. You are a son of God. Act like one, treat your wife like the wonderful woman you said she is in an earlier post, and leave your Sister in law alone before you say or do something both stupid and evil. I'm being blunt with you, because you don't seem to realize how close to the edge you are. Stop and turn to Christ before you hurt yourself, your wife, your children, your sister in law and a whole bunch of other people. Marriage is not just until we get bored. It's for eternity! The Savior wants you to work on strengthening your marriage. See a counselor if you need to, but stop trying to find excuses to sin. 

To the first paragraph (bolded) . . . a big well no duh.  That is how adultery and unfaithfulness always proceed.  It starts in the mind by fantasizing about other women, the "what could be, what might have been, what maybe should have been".  Yet inevitably, that is all it is a fantasy and the sooner you realize that, the better.   The fantasy will never be reality and if you ever attempt to make the fantasy reality in any way, shape or form, you will be in for a lot of heartache and misery in your life.
I have a very simple solution to 1-4 . .. be married to your wife!!!!  You have already committed adultery in your heart:
27 ¶ Ye have heard that it was said by them of old time, Thou shalt not commit adultery:
28 But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.
29 And if thy right eye offend thee, pluck it out, and cast itfrom thee: for it is profitable for thee that one of thy members should perish, and not that thy whole body should be cast into hell.
30 And if thy right hand offend thee, cut it off, and cast it from thee: for it is profitable for thee that one of thy members should perish, and not that thy whole body should be cast into hell.
What exactly do you think Christ is talking about here?? He is talking about your situation, right here! Pay attention to the Words of Christ! You've got to become married to your wife.  Right now you have a piece of paper that says you are married, but a piece of paper is just that a piece of paper it doesn't say anything about what is really going on. Stop worrying about other women and concentrate on and worry about your wife.  And yes your wife is right about the 9 years.
Right now sir, you need to take care of your actual marriage, b/c if you don't you will find sooner or later you won't have a marriage.
Grow up; be a Man of God instead of a slithering carnal man of nature.
 

@Subir Valhalla, I know our reactions to your post have probably scared you off, but just in case they have not, I want you to know something different from our reactions to it.  Namely, that we're a welcoming and supporting group of people for folks who want to overcome their struggles, or who want to discuss the gospel in ways that generally aren't possible in synchronous, in-person discussions.
So, if you want to stick around and discuss the gospel, or other things as you see on these forums, please do.  No one's going to bring up this post or pester you about it.  No one's going to reject your other contributions because of this post.  Everyone will support you in your efforts to overcome this temptation and keep your covenants. (FWIW)

Pass.

Dude a Whiskey Tango Foxtrot here . . .the above paragraph is not an accurate truth of your soul.  I'm going to break it to you man, the above is patently false. 
You are not a good guy. You have deluded yourself into thinking that you are a good guy simply because of all the things you do, i.e. you rely upon the outward appearance of this world to determine that you are a "good guy", but inside your soul you are dead and that is a sad state of affairs.
In life, most people who do bad things say at some point "I'm not a bad person"; but what they really mean is "I'm probably doing something wrong that I need to repent of, but in order to make is seem to others or to myself it's not so bad, I can say -I'm not a bad person".
The Natural Man is an enemy to God, has been and ever will be.  God cannot look upon sin with the least degree of allowance.  At the last day, our actions and our thoughts will condemn us.  We have all fallen short of the glory of God and God would have every right to hide His face from us forever . . . yet He is merciful and b/c He is merciful He provided a Savior.   This Savior atoned for our sins, my sins and your sins.  He allows us to repent of our wicked, sinful nature and to become more like God.  Through Christ, we can be made completely different people.  Whereas before we were spiritually dead, we can be alive in Christ.
Two of the most evil, pernicious, destructive ideologies being thrust into public thought in today's culture is to "Just be who you are, i.e. be "true" to yourself"" and the second is like unto it, "I can't control who I'm attracted do" .  Those ideas are evil and of the Devil. It is anti-Christ and completely denies His power!
I will give you a hint in life . . .we all have weird, bizarre, random even evil thoughts and feelings that come into our minds and hearts from time to time. A mark of maturity, responsibility and of someone who is converted to Christ is that they don't give shape or form to those things not of God.  We cast those thoughts out of our minds-we do no think about them!!!  And we find that over time the more we train our minds and hearts to ponder and think upon the things of God rather than the things of Satan, the easier it is to not have evil thoughts/feelings enter into us . . .we literally change our beings to be more Christlike.
Frankly, you don't need a psychologist, counselor, etc. 
What you need is to become converted to Christ!  You aren't converted to Christ . . .b/c if you were you wouldn't be posting this message.
Alma 5 brother, Alma 5.  All the external things don't matter if inside you are dead.

Well I don't know about "full" control. But one can certainly learn to push thoughts that pop in that shouldn't be there back out.

'Falling in love' with somebody is something we have far more control over than we want to admit to ourselves since it is a bit unromantic.  You meet somebody (your SIL in this case) and there is a spark.  It is your choice to either add fuel to that spark and nurture it to a fire or ignore it and let it die a quick and merciful death.  Sounds like you have already added more fuel to the wrong fire than you should have, so the path ahead may not be so easy. 
Focus your mind on your wife, what you should be doing to serve her and love her and maker her happy.  Feed THAT fire and no other.  Deny yourself any romanic thoughts and fantasies of your SIL, limit or eliminate contact with her, look for flaws in her, notice the ways you wife makes a better companion for you.  You say you do many good things in your life, but NONE of that means squat if you keep feeding the wrong fire like you are doing right now.  Don't you dare look in the mirror and think how good you are, think how blessed you are to have the wife you have, how you do not deserve her and how you need to become a better man for her.
And you absolutely do not say anything to your SIL about this, that is not going to help at all.

Dude a Whiskey Tango Foxtrot here . . .the above paragraph is not an accurate truth of your soul.  I'm going to break it to you man, the above is patently false. 
You are not a good guy. You have deluded yourself into thinking that you are a good guy simply because of all the things you do, i.e. you rely upon the outward appearance of this world to determine that you are a "good guy", but inside your soul you are dead and that is a sad state of affairs.
In life, most people who do bad things say at some point "I'm not a bad person"; but what they really mean is "I'm probably doing something wrong that I need to repent of, but in order to make is seem to others or to myself it's not so bad, I can say -I'm not a bad person".
The Natural Man is an enemy to God, has been and ever will be.  God cannot look upon sin with the least degree of allowance.  At the last day, our actions and our thoughts will condemn us.  We have all fallen short of the glory of God and God would have every right to hide His face from us forever . . . yet He is merciful and b/c He is merciful He provided a Savior.   This Savior atoned for our sins, my sins and your sins.  He allows us to repent of our wicked, sinful nature and to become more like God.  Through Christ, we can be made completely different people.  Whereas before we were spiritually dead, we can be alive in Christ.
Two of the most evil, pernicious, destructive ideologies being thrust into public thought in today's culture is to "Just be who you are, i.e. be "true" to yourself"" and the second is like unto it, "I can't control who I'm attracted do" .  Those ideas are evil and of the Devil. It is anti-Christ and completely denies His power!
I will give you a hint in life . . .we all have weird, bizarre, random even evil thoughts and feelings that come into our minds and hearts from time to time. A mark of maturity, responsibility and of someone who is converted to Christ is that they don't give shape or form to those things not of God.  We cast those thoughts out of our minds-we do no think about them!!!  And we find that over time the more we train our minds and hearts to ponder and think upon the things of God rather than the things of Satan, the easier it is to not have evil thoughts/feelings enter into us . . .we literally change our beings to be more Christlike.
Frankly, you don't need a psychologist, counselor, etc. 
What you need is to become converted to Christ!  You aren't converted to Christ . . .b/c if you were you wouldn't be posting this message.
Alma 5 brother, Alma 5.  All the external things don't matter if inside you are dead.

Dude a Whiskey Tango Foxtrot here . . .the above paragraph is not an accurate truth of your soul.  I'm going to break it to you man, the above is patently false. 
You are not a good guy. You have deluded yourself into thinking that you are a good guy simply because of all the things you do, i.e. you rely upon the outward appearance of this world to determine that you are a "good guy", but inside your soul you are dead and that is a sad state of affairs.
In life, most people who do bad things say at some point "I'm not a bad person"; but what they really mean is "I'm probably doing something wrong that I need to repent of, but in order to make is seem to others or to myself it's not so bad, I can say -I'm not a bad person".
The Natural Man is an enemy to God, has been and ever will be.  God cannot look upon sin with the least degree of allowance.  At the last day, our actions and our thoughts will condemn us.  We have all fallen short of the glory of God and God would have every right to hide His face from us forever . . . yet He is merciful and b/c He is merciful He provided a Savior.   This Savior atoned for our sins, my sins and your sins.  He allows us to repent of our wicked, sinful nature and to become more like God.  Through Christ, we can be made completely different people.  Whereas before we were spiritually dead, we can be alive in Christ.
Two of the most evil, pernicious, destructive ideologies being thrust into public thought in today's culture is to "Just be who you are, i.e. be "true" to yourself"" and the second is like unto it, "I can't control who I'm attracted do" .  Those ideas are evil and of the Devil. It is anti-Christ and completely denies His power!
I will give you a hint in life . . .we all have weird, bizarre, random even evil thoughts and feelings that come into our minds and hearts from time to time. A mark of maturity, responsibility and of someone who is converted to Christ is that they don't give shape or form to those things not of God.  We cast those thoughts out of our minds-we do no think about them!!!  And we find that over time the more we train our minds and hearts to ponder and think upon the things of God rather than the things of Satan, the easier it is to not have evil thoughts/feelings enter into us . . .we literally change our beings to be more Christlike.
Frankly, you don't need a psychologist, counselor, etc. 
What you need is to become converted to Christ!  You aren't converted to Christ . . .b/c if you were you wouldn't be posting this message.
Alma 5 brother, Alma 5.  All the external things don't matter if inside you are dead.

1.  Watch house burn down.
2.  Force fire insurance company to sell the homeowner a retroactive policy.
What could possibly go wrong?

Just by way of pointless debate ("pointless" being a subjective term): If something covers pre-existing conditions it is not, by definition, insurance. It's just flat out charity.

With $12,500 deductibles it is basicly the same thing as not having insurance (unless you get hit by a bus). 

My definition of insurance is catastrophic.  Not fever or well-checks or birth control or Bruce-to-Caitlyn surgery.
Before Obamacare, we had Hospital and Surgical coverage only plus an HSA.  It covered 100% of my son's broken arm, my other son's stitches on his head, and a bout of pneumonia.  Zero deductible.  THAT'S catastrophic insurance.  Not... you have to come up with $12,500 first even if you get hit by a bus.  It's catastrophic enough that you got hit by a bus!  And yeah, my family of 4 was around a hundred bucks a month.
Thank you Obamacare for getting rid of my insurance.  What is it that they said, "You like your insurance, you get to keep your insurance"?

I'm okay with someone who is convicted of a felony not owning weapon . . . however even then I wonder about it.  Say you robbed a store when you were 20, that means when you are 70 you don't get to own a means of protection??  I don't particularly like that idea.  Besides if the guy who robbed a store at 20 wants to have a weapon, they can find it on the black-market.
I'm definitely opposed to gun registration.  Easy way to simply just take all the weapons in a dictatorship.  What is so sad is how many people really do not realize what the right to bear arms is really for (and I agree with JJ, bearing arms is not bearing guns, if they wanted to say guns they would have said guns). It's to ensure the ability of the people to overthrow their own government if necessary.  And by contrast, it becomes much harder for a tyrant to take over the country b/c he knows the populace is armed and would very well rise up against him.
You just have to look to 3rd world countries (Venezuala, Chile, Argentina, Bolivia, etc.) to see what happens to a country when the people do not have access to weapons and when a tyrant gets in control.  You have no way of dislodging them. If the people of Venezuala had weapons, Maduro would be gone in a sec.
Oh and for those who say we wouldn't have as many murders with gun control . . .just look at Venezuala.  Owning a gun is 100% outlawed, yet it is the murder capital of the world.  More dangerous in Venezuala than in Iraq, Syria, etc.

Yeap.  We can see time and time again without weapons a populace is powerless to fight back against their own tyrannical country.
Can't tell you how many times I see pictures from Venezuala, Cuba, or even Catalonia for pete's sake and just say . . . these people need some weapons otherwise they can't do anything.

I'm okay with someone who is convicted of a felony not owning weapon . . . however even then I wonder about it.  Say you robbed a store when you were 20, that means when you are 70 you don't get to own a means of protection??  I don't particularly like that idea.  Besides if the guy who robbed a store at 20 wants to have a weapon, they can find it on the black-market.
I'm definitely opposed to gun registration.  Easy way to simply just take all the weapons in a dictatorship.  What is so sad is how many people really do not realize what the right to bear arms is really for (and I agree with JJ, bearing arms is not bearing guns, if they wanted to say guns they would have said guns). It's to ensure the ability of the people to overthrow their own government if necessary.  And by contrast, it becomes much harder for a tyrant to take over the country b/c he knows the populace is armed and would very well rise up against him.
You just have to look to 3rd world countries (Venezuala, Chile, Argentina, Bolivia, etc.) to see what happens to a country when the people do not have access to weapons and when a tyrant gets in control.  You have no way of dislodging them. If the people of Venezuala had weapons, Maduro would be gone in a sec.
Oh and for those who say we wouldn't have as many murders with gun control . . .just look at Venezuala.  Owning a gun is 100% outlawed, yet it is the murder capital of the world.  More dangerous in Venezuala than in Iraq, Syria, etc.

Something that tends to be fundamentally misunderstood by those on this consideration is that the right to bear arms is not about defending against burglars or even mass shootings. It is more about the right to rise up and rebel against the tyranny of government when it gets out of hand. The entire idea behind having an armed populace is to keep the government in fear of that populace.