- Informal agreements aren't always short-term fixes...I've seen some hold up for decades if both sides are reasonable people. - Surveys aren't foolpr...

Fair points, but I'd caution against relying too much on casual agreements—even written ones. When things go south, emotions can cloud judgment. Seen ...

Agree with the discipline part, but honestly spreadsheets only go so far. Equity's great on paper, but market shifts can throw those numbers off fast....