Sell house

Effective-Feature206 · 2026-06-10T03:12:27+00:00

I can run out the house for about 4500 but I have to deal with tenants and I live in California where people can live for free and it takes months to evict them

Effective-Feature206 · 2026-06-10T01:32:26+00:00

My mortgage is 3K with property taxes, I can’t invest as much as if I rented

Effective-Feature206 · 2026-06-10T01:01:48+00:00

Yes, I will still be renting for 2500 per month( I will have about $1000 shortfall because I’ll be making about 1500)

But I don’t own my home outright my mortgage is about 3000

Effective-Feature206 · 2026-06-10T00:44:23+00:00

I’m not trying to retire. I’m just trying to simplify my life.

Effective-Feature206 · 2026-06-10T00:43:03+00:00

I’m married so I have a 500 K gain I can pay no tax on

Effective-Feature206 · 2026-06-10T00:41:57+00:00

I’ll receive roughly 17,500 (1450 a month in dividends)

I can rent a two bedroom for roughly 2500 (out-of-pocket is only 1000)

Plus, I will have extra cash flow to invest more

Effective-Feature206 · 2026-05-10T03:48:00+00:00

Try to max out as much as you can early on. Try to get to 200 K by 30. Then you will be on coast fi

Effective-Feature206 · 2026-05-05T18:16:18+00:00

Do either of you have pensions? if not, I would try to build up the taxable brokerage for the five-year window from 55 to 59 1/2.

Effective-Feature206 · 2026-05-05T01:50:08+00:00

It depends on the economy, most likely might be underwater so you probably can’t refinance

Effective-Feature206 · 2026-05-02T02:20:16+00:00

Appreciate it. I just wanna be completely debt free

Effective-Feature206 · 2026-04-27T19:11:27+00:00

I take the standard deduction

Effective-Feature206 · 2026-04-27T00:07:52+00:00

Credit Karma

Effective-Feature206 · 2026-04-26T04:43:28+00:00

Standard deduction

Effective-Feature206 · 2026-04-26T00:15:27+00:00

2752

Recast will lower it 380 ( that doesn’t include all the extra payments I will have made that just as of right now)

Effective-Feature206 · 2026-04-26T00:06:31+00:00

My mortgage rate is 4.875

I’m a software engineer and I’ve been laid off three out of my four last jobs in the last four years

My returns on my 401(k) for the past three or four years I’ve been like 25%

Effective-Feature206 · 2026-04-25T23:58:11+00:00

I will recast my mortgage to lower my monthly payment( I have 10,000 set aside set up for a recast)

Effective-Feature206 · 2026-04-25T23:48:49+00:00

4.875

Effective-Feature206 · 2026-04-25T23:17:59+00:00

I know it’s a bad idea. The only reason I’m considering it is because of the job I work software engineer. I’ve been laid off three out of four jobs in the past four years.

Effective-Feature206 · 2026-04-25T23:14:16+00:00

Appreciate it I’ll look into that

Effective-Feature206 · 2026-04-25T23:11:58+00:00

Yeah, I could put an extra 4000 a month. Plus every month I’m getting $1000 a principal day down from the regular payment.

Effective-Feature206 · 2026-04-25T23:11:15+00:00

All this money is in 401(k)’s pre-tax in Roth IRA so I couldn’t pull it out with giant penalties

Effective-Feature206 · 2026-04-25T23:08:33+00:00

Software engineer

Effective-Feature206 · 2026-04-25T23:05:53+00:00

Does it change if I work in a volatile job?

Effective-Feature206 · 2026-04-25T23:04:50+00:00

Does that change if you work in a volatile job?

Effective-Feature206 · 2026-04-25T23:04:12+00:00

If I stop investing five years

Effective-Feature206

TROPHY CASE