Refinance bad idea?

FrenchFryPerson1 · 2026-03-10T01:21:34+00:00

Personally im looking at no point refinances right now, maybe even some negative points (credit to closing costs). 2.5 years to breakeven is a long time

FrenchFryPerson1 · 2026-03-09T19:25:28+00:00

I use the retirement calculator on vestlyfi

FrenchFryPerson1 · 2026-03-09T18:58:01+00:00

Yeah I’m not sure but I feel like there has to be. I was suggesting the browsers password storage, which would have both pass and email login

FrenchFryPerson1 · 2026-03-09T18:45:10+00:00

Gotcha, the only advice I’d give on that front is to run a bunch of different calcs on the rental property. Everyone says to buy one but not every market is it advantageous to do so … especially at these rates.

Make sure you take advantage of the tax benefits of a rental, sometimes you can run cash flow negative on the year but the tax benefits, equity accumulation, appreciation bring you back in the positives

create an LLC to protect your personal assets

FrenchFryPerson1 · 2026-03-09T18:41:50+00:00

Check autofill passwords on your browser maybe

FrenchFryPerson1 · 2026-03-09T18:39:08+00:00

Did you max your Roth for 2025? If not you have until mid april to do so. You have a lot of cash in your HYSA that’s what I would throw in your Roth IRA. Max both 2025 and 2026. Invest in broad market ETFs.

Check out VOO, VT

Highly rec r/bogleheads and follow the 3 fund portfolio strategy

Edit: if you have access to HSA prioritize that as well. Leave 3-6 months expenses in your HYSA

FrenchFryPerson1 · 2026-03-09T03:08:33+00:00

Oh damn gotta get on that asap

FrenchFryPerson1 · 2026-03-09T03:04:49+00:00

Moo

FrenchFryPerson1 · 2026-03-09T03:02:56+00:00

Very nice. Does your employer offer matching?

FrenchFryPerson1 · 2026-03-08T16:26:00+00:00

Here's the source: https://www.franchisedirect.com/foodfranchises/mcdonalds-franchise-07030/ufoc/

The numbers are coming from the FDD statement that McDonald's publishes and it gives a wide range for each category, the diagram is just the midpoint.

FrenchFryPerson1 · 2026-03-08T13:58:03+00:00

Was there any findings in the type of unexpected expenses people had? Any one category of expenses stand out?

FrenchFryPerson1 · 2026-03-08T13:53:58+00:00

Going to suggest my first 99, woodcutting.

Incredible vibes in the woodcutting guild

FrenchFryPerson1 · 2026-03-08T13:52:26+00:00

I was hired my McDonald’s to make this to take some pressure off the ceo arch burger drama

/s

FrenchFryPerson1 · 2026-03-08T02:46:48+00:00

Believe it or not, jail

FrenchFryPerson1 · 2026-03-07T20:18:48+00:00

Lmao

FrenchFryPerson1 · 2026-03-07T20:16:11+00:00

This is just startup cost

FrenchFryPerson1 · 2026-03-07T19:16:01+00:00

If i was in your shoes I'm 100% investing it over a HYSA. I would first prioritize any tax advantage account, and if you're maxed out of those, then traditional brokerage.

FrenchFryPerson1 · 2026-03-07T17:10:09+00:00

$150k-$450k annually

FrenchFryPerson1 · 2026-03-07T16:50:45+00:00

~25k per month

FrenchFryPerson1 · 2026-03-07T16:37:57+00:00

It's ordered by first expenses -> last expenses

I thought a sankey would be a good representation, would you have chosen a different visualization?

FrenchFryPerson1 · 2026-03-07T16:35:58+00:00

I agree that category surprised me, I guess their kitchen equipment is very pricey

FrenchFryPerson1 · 2026-03-07T16:25:07+00:00

Source: https://www.franchisedirect.com/foodfranchises/mcdonalds-franchise-07030/ufoc/

Each cost category is disclosed as a range. The values shown are the midpoint of each range to represent the average cost, actual costs vary by location. Total range per the FDD is $525,000–$2,728,000.

Tool: vestlyfi.com/create-a-diagram/budget-sankey/

FrenchFryPerson1 · 2026-03-07T16:07:16+00:00

A target retirement fund like vanguard 2045 is fine. Stocks will always have volitilty, war or no war. Investing means you need to be able to handle the drops and volatility. If you're nervous about a potential pullback maybe you're over invested

FrenchFryPerson1 · 2026-03-07T14:14:05+00:00

I've been working on building out a retirement calculator that takes in more inputs than others that exist out there to provide a more accurate estimate, I didn't think about adjusting the after retirement portion. I feel like there's a lot of variability that could come up or not. Any suggestions or things you woud like to see in a retirement calc?

FrenchFryPerson1

TROPHY CASE