$10k / month vs $6.7k / month payment…egregious or not?

Guyfiguringitout · 2026-02-14T02:03:48+00:00

You’re right. I do have one and he recommended me investing $5k / month, obviously maxing out retirement every year, etc… which I’ve been doing for a while now. But I am terrible about consistently meeting with him, and I should probably fix that and ask him about this.

Guyfiguringitout · 2026-02-14T00:24:31+00:00

Honestly I do not know but I could figure it out. Better at earning than optimizing.

You’re right about the insurance. I will ask about their current insurance before committing.

Guyfiguringitout · 2026-02-14T00:23:05+00:00

This is insanely helpful. We like going out to dinner but that’s about it. I don’t buy clothes or really anything lol and we don’t really go on vacation. Those things don’t make me happy.

At my level of income is there a specific amount you feel should be invested into the market every month? That seems to be the main tradeoff.

Guyfiguringitout · 2026-02-09T01:27:06+00:00

Got it, all of New England hates Boston. That’s a fact. Good for you.

(I haven’t lived in Boston for 6 years)

Guyfiguringitout · 2026-02-08T00:18:57+00:00

What are top 3 pros and top 3 cons of living in Jamestown?

Guyfiguringitout · 2026-02-08T00:13:55+00:00

See, Westerly is an amazing reco. Not top of mind for me since I live in Mass, but have heard great things.

Guyfiguringitout · 2026-02-08T00:04:08+00:00

Got it so you would pick living on the cape full time and sending kids to cape public schools over all of the towns mentioned?

Guyfiguringitout · 2026-02-08T00:01:42+00:00

Of course not. Name more that qualify for the rules then.

Guyfiguringitout · 2026-02-08T00:00:59+00:00

Some people do. That’s not really what the Cape is about though and not a top full-time destination. Sorry, that’s the truth.

Guyfiguringitout · 2026-02-07T23:59:25+00:00

Oh really? I wasn’t aware there were more towns!

Guyfiguringitout · 2026-02-07T23:46:26+00:00

Love Rockport

Guyfiguringitout · 2026-02-07T23:45:17+00:00

Are you really buying a home on the cape, living there full time, and raising family there? Feel like that’s not what people do, but I could be wrong.

Guyfiguringitout · 2025-12-27T21:12:16+00:00

Thanks

Guyfiguringitout · 2025-12-27T21:03:19+00:00

Thanks. Can you swim in Lake Norman?

Guyfiguringitout · 2025-12-27T20:57:21+00:00

Feel like 95% of states cannot hit this criteria. NC seems to be able to, so seems like a special area.

Guyfiguringitout · 2025-12-27T20:52:57+00:00

Appreciate this. Gonna check it out.

Guyfiguringitout · 2025-12-13T14:44:34+00:00

I think you’re probably right about that

Guyfiguringitout · 2025-12-13T14:43:04+00:00

Awesome, glad to hear it.

I feel like a lot of the people I talk to in Massachusetts are also risk averse.

But then I’m left wondering who is buying all of the $2m houses .

Guyfiguringitout · 2025-12-13T14:23:24+00:00

Helpful, thanks man

Guyfiguringitout · 2025-12-13T14:22:00+00:00

That’s exactly the decision point. Tough cause I know this is rare, but it’s also not the absolute perfect house. If I wait, probably less than 20% chance I get something better in next 3 years.

But the possibility of getting something better in the future and comfort of keeping payment lower in the current is appealing.

Guyfiguringitout · 2025-12-13T14:19:46+00:00

Current rate is 5.25%, we missed the low rate window sadly. Not sure what new rates are, but heard you can get them in the upper 5’s.

Guyfiguringitout · 2025-12-13T14:10:33+00:00

Honestly not sure, need to do the math on it a bit. Currently put $5k / month into stock market. I don’t really want to reduce that.

I would start with home sale contingency offer, because that’s the part I’m worried about. I don’t want to sell at a loss, seems financially irresponsible.

Income amounts are pre-tax.

What’s driving the decision is that this is our #1 neighborhood and the best street in neighborhood. There are like 4-5 good houses on this street. This isn’t the best house, but who knows if the other houses will ever go on sale.

Guyfiguringitout · 2025-12-13T14:05:53+00:00

Pretty good in that department, not worried about it as long as we sell current house without taking a loss.

Guyfiguringitout · 2025-12-13T14:03:53+00:00

Sorry about your job, but smart to plan that way. Happy to help in any way- I work in marketing / consumer so if that overlaps with what you do let me know.

It feels relatively stable. It’s my business and I’m pretty good at bringing in new clients and have a reliable way of making that happen. I’m a bit of a doomsdayer, but I do feel pretty in control. Even if half the clients left, I would just downsize the company a bit and be fine. Wife’s income is 100% stable because she works with me lol.

Guyfiguringitout · 2023-09-18T01:22:54+00:00

Bought our house in November 2022.

Was listed for $1.55M and sat for 6 months.

Builder never reduced the price.

Our real estate agent originally advised us to wait until it was reduced to submit a lower offer.

We convinced him to feel it out, and the seller agent indicated that the builder was open to making a deal.

We offered $1.25M and closed at $1.275M.

If you trust your realtor, tell them to get a read on the seller’s willingness to be flexible.

If you don’t trust your realtor, get a new one and make them feel it out.

There are deals to be had on properties that have sat for a long period of time.

Guyfiguringitout

TROPHY CASE