Completely agree. In addition, since he seems to have struggled for a while, I suggest not maximizing income and instead focus on a less stressful 3-4 year plan

Completely agree. In addition, since he seems to have struggled for a while, I suggest not maximizing income and instead focus on a less stressful 3-4 year plan to get back on his feet. Life is long so there will be plenty of new chances to swing for the fences if that is what he desires. And if his 3-4 year plan is executed ahead of schedule plans can always be changed.