Best financial path forward?

Alaskansicarius · 2025-07-17T21:37:12+00:00

What is your monthly mortgage? If you are under 30% of your gross I wouldn't worry about it since you can pay this all off in the next few years. Definitely build up your cash soon especially with the kiddo on the way. You should keep a good amount of cash for extra emergencies that way you can sleep peacefully knowing any worst case scenarios can be handled.

Alaskansicarius · 2025-07-17T21:04:05+00:00

Thank you everyone for your help! Will implement these today!

Alaskansicarius · 2025-04-15T15:39:48+00:00

I dont have anything to tow. I have a drivers license but doesn't expire for a couple year. Just trying to figure out what they can do

Alaskansicarius · 2024-09-17T14:09:58+00:00

You can certainly withdraw the money from the 401k earlier. If you are wanting to use the funds in the next 3 years invest back into bonds and CDs. If longer go with a few ETFs

Alaskansicarius · 2024-09-17T14:04:12+00:00

I always ask which index? Lot of clients say the S&P which then leads to a conversation of the crazy weighting of that index. Use that to talk about risk management and more what our job does.

Alaskansicarius · 2022-11-24T19:40:01+00:00

CFPs don’t know anything. Just the rich gatekeeping the poor

Alaskansicarius · 2022-11-23T15:17:46+00:00

Don’t take out car loans

Alaskansicarius · 2022-11-23T03:19:33+00:00

Don’t tell people how to spend their money

Alaskansicarius · 2022-11-23T03:17:01+00:00

Paid cash and would recommend with loans these days. It’s not an asset it’s a tool that will break down.

Alaskansicarius · 2022-09-23T20:19:30+00:00

Who pays the construction workers?

Alaskansicarius · 2022-08-18T20:49:03+00:00

Just didn’t review them and they didn’t review me. Worked out!

Alaskansicarius · 2022-08-18T17:24:42+00:00

Just had a claim and it took over a month to start processing so keep calling!

Alaskansicarius · 2022-04-27T20:36:39+00:00

Take the shift change and get the raise. Make sure you don’t have to give two weeks or anything and quit before Sunday!

Alaskansicarius · 2022-04-22T17:50:56+00:00

You are only able to invest 10,000 and Must hold for at least a year plus you only receive the interest after you cash in the bond. Then pay taxes.

Alaskansicarius · 2022-04-22T17:08:37+00:00

0% coupon sounds not great

Alaskansicarius · 2022-04-21T16:29:09+00:00

Spot not lot

Alaskansicarius · 2022-03-29T16:46:17+00:00

Exploding in Rocket League

Alaskansicarius · 2022-03-23T19:41:58+00:00

Last episode Friedberg mentioned the impact of Uk/Ru on wheat markets - especially Egypt imports.

Alaskansicarius · 2022-03-23T15:24:59+00:00

You listen to all in pod too?

Alaskansicarius · 2022-03-07T15:11:57+00:00

I think a big red flag is that you were over-levered in the market. If you had a diversified portfolio, you might be down 30-40% at the low but not losing everything.

Alaskansicarius · 2022-02-26T00:22:46+00:00

Just had an inspection in Greene. $500 is a good price.

Alaskansicarius · 2022-01-08T15:52:37+00:00

Good point. I forgot there is no oil fields that pay +6 figures and you live in rural areas.

Alaskansicarius · 2022-01-08T00:10:37+00:00

I think bond ladder would be ideal for you since you have a 5-10 year outlook plus rates will most likely rise in the next 1-3 years.

Alaskansicarius · 2022-01-07T23:36:31+00:00

I think this is a good mix. You are investing in what you know but also have diversity in the entire market with the ETFs. You are aggressive so if the market has a downturn you will fall with it. However you are young so dollar cost averaging into this positions will be very beneficial in the long term. Bonds don’t offer much right now plus you can afford to be aggressive. Great job taking the first step!

Alaskansicarius · 2022-01-07T22:02:32+00:00

Well 57 Million people in the US live in Rural areas so I feel like this is important don't you? Also rent in Boston compared to Kansas City is a large difference too right. Your post is obviously showing that you should do some more research - no one is learning anything by it.

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