That may give you straight liabilities and sell short your gay or lesbian assets. For example, we have far more discretionary income, mobility, diversity. Assessment starts with taking into account your stage of life. These stages are extra different for us. Clearly we need to adapt our own guidelines.
Health is another critical factor.
If HIV or cancer are in the picture, job benefits become more important than job salary. Disability benefits, unscreened group life insurance options, generous medical plans an salary continuation become more important than the job itself. This can be a time to do some helpful homework. For example, spending can be an Achilles heel for us - the flip side of higher discretionary incomes. One way is to simply shift payment from credit cards to check.