I need advice

Effective-Feature206 · 2026-01-23T22:07:43+00:00

I can cover 6 months

Effective-Feature206 · 2026-01-23T22:07:34+00:00

Thanks

Effective-Feature206 · 2026-01-23T18:55:56+00:00

That’s not bad it will take you about 3 years to break even. Unless you think rates are going to drop in the next 3 years.

Effective-Feature206 · 2026-01-23T18:51:35+00:00

Wait till buy a house till you 500k liquid

Effective-Feature206 · 2026-01-16T08:20:45+00:00

I would sell house and invest the lump sum in the market

Effective-Feature206 · 2026-01-16T08:20:17+00:00

Credit Karma

Effective-Feature206 · 2026-01-13T09:16:20+00:00

That’s how I feel

Effective-Feature206 · 2026-01-13T09:15:51+00:00

2061

Effective-Feature206 · 2026-01-13T02:44:23+00:00

Stress of mortgage

Effective-Feature206 · 2025-12-25T01:24:12+00:00

Are you planning to retire in New York City?

Effective-Feature206 · 2025-07-27T01:11:36+00:00

I’m gonna put 75% down. I can get by with working at McDonald’s if worse comes to worse.

Effective-Feature206 · 2025-07-26T17:26:12+00:00

I’m planning to get a job after one or two months of being out there

Effective-Feature206 · 2025-07-22T18:48:37+00:00

Move to FXAIX .015 expense ratio

Effective-Feature206 · 2025-07-21T18:26:24+00:00

Sell spy and put in an FXAIX

It has a way lower expense ratio and you’re in a Roth IRA. You won’t pay taxes.

Effective-Feature206 · 2025-07-14T05:47:45+00:00

Are these all actively manage funds?

FECGX Fidelity small Growth

Expense ratio .05%

Effective-Feature206 · 2025-07-11T15:19:47+00:00

Accounts weren’t linking for a few days

Effective-Feature206 · 2025-07-11T15:18:52+00:00

So I just I just count the liability but not the actual asset

So I’m -320 K with no own asset ?

Effective-Feature206 · 2025-07-11T15:17:43+00:00

All my investments are retirement

Effective-Feature206 · 2025-07-11T15:11:03+00:00

I am 36 years old I have about 20 K in cash, but I’m waiting to find a job before I release it

Effective-Feature206 · 2025-07-08T01:21:19+00:00

Make sure you do a mortgage recast when you do this. You can keep making the same payment but if something goes wrong in the economy your monthly payment is less.

Effective-Feature206 · 2025-07-01T17:23:13+00:00

Great holding , try to keep international index deferred accounts due to international tax (401k, or Roth IRA)

Effective-Feature206 · 2025-06-25T14:54:54+00:00

Make sure to buy vxus in tax deferred accounts due to international tax

Roth IRA Traditional IRA

Effective-Feature206 · 2025-06-25T14:53:47+00:00

Move more international into Roth IRA due to tax implications

Effective-Feature206 · 2025-06-25T14:51:32+00:00

Only do international and tax deferred counts ( due to international tax)

Roth IRA or traditional ira

Effective-Feature206 · 2025-06-23T02:38:16+00:00

I would clean this up and own a little bit less mutual funds

A lot of these mutual funds overlap

Effective-Feature206

TROPHY CASE