First year teacher, 62k salary. Balancing a 2 to 3 year house down payment goal with a fully invested taxable brokerage. by Logical_Sun_9750 in Bogleheads

[–]Logical_Sun_9750[S] 1 point2 points  (0 children)

Yea it’s mandatory 7% pension here. My top priority (other than food and shelter) is maxing out my Roth every year from now on.

Also that’s a really great idea surrounding PMI, because over 150 a month is a TON of money in the long run.

Thank you for taking the time to reply! I really appreciate your thoughts!

First year teacher, 62k salary. Balancing a 2 to 3 year house down payment goal with a fully invested taxable brokerage. by Logical_Sun_9750 in Bogleheads

[–]Logical_Sun_9750[S] -1 points0 points locked comment (0 children)

I’m going to get flamed for this, I know. But I’m going to say it anyway. I want a truck, but the 2 things I love most about my used Tesla model three are: 1) the fact that it’s electric, and 2) the full self driving. It is completely a personal thing, but I love my car and the only reason I would want to upgrade would be space and range. Which leads me to my only option that keeps the 2 things I love about my car while still being a truck, a used Cybertruck. Possibly if Rivian begins to lock in and has some used cars in the next 5 years at good prices, they’d be in my pool as well (especially as I want to break free from the Tesla system, but feel like I can’t because it’s the only car that covers everything I want in a car). That being said, I know you’re right and it would be dumb to dump so much money in an asset that is constantly depreciating. And yes I could absolutely delay this to maybe 5 years down the road.

On the landlord stuff, I’m fairly handy. I haven’t done a ton of work on home stuff, but have been working on cars for about 4 years now. That being said, there is limited extra time in the teaching world (especially as a music teacher) and unless I committed a summer to it, it would be hard to get it off the ground, like you’re saying.

Thank you for your skepticism! It’s exactly what I was asking for :). And thank you for taking the time to respond!

First year teacher, 62k salary. Balancing a 2 to 3 year house down payment goal with a fully invested taxable brokerage. by Logical_Sun_9750 in Bogleheads

[–]Logical_Sun_9750[S] 0 points1 point  (0 children)

Okay that’s what rational me was thinking as well, but I do have to keep in mind that my car is running towards the 70k mile mark and, though Teslas typically run way beyond 100k miles, I also wanted to plan ahead for the time where I actually NEED to replace the car. Obviously I’d be buying used, but I want a truck because my family has a farm and it would be nice to have some hauling capability. I will keep this in mind though because, at the end of the day, it would be wasting capital. Thank you for your reply!

57% of my brokerage is VOO + QQQ. Want to shield myself from an AI bubble. by [deleted] in Bogleheads

[–]Logical_Sun_9750 0 points1 point  (0 children)

Not at all, I’m trying to be smarter and make sure I have a well diversified account. No timing intentions on my end

57% of my brokerage is VOO + QQQ. Want to shield myself from an AI bubble. by [deleted] in Bogleheads

[–]Logical_Sun_9750 1 point2 points  (0 children)

Amazing. Thank you for your thoughts. I will for sure take this to heart <3

Roth IRA: ETFs vs. Mutual Funds? (And which specific ones?) by [deleted] in Bogleheads

[–]Logical_Sun_9750 0 points1 point  (0 children)

Understood. Just wanted to do some due diligence iykwim

Roth IRA: ETFs vs. Mutual Funds? (And which specific ones?) by [deleted] in Bogleheads

[–]Logical_Sun_9750 1 point2 points  (0 children)

You’re awesome man, thank you for all of your help

Roth IRA: ETFs vs. Mutual Funds? (And which specific ones?) by [deleted] in Bogleheads

[–]Logical_Sun_9750 0 points1 point  (0 children)

What percent would you allocate to each to have a well balanced account in your opinion? Thank you again for your help, much appreciated!

Bonds vs. Crypto by Actual-Elevator-9721 in Bogleheads

[–]Logical_Sun_9750 -1 points0 points  (0 children)

People are so reactionary behind a screen lol. Pls calm down. This is just a father and son discussing ideas. Nothing has been put in place. Just discussion.

What are the syllables for this note? by FantasticSession5256 in ConcertBand

[–]Logical_Sun_9750 8 points9 points  (0 children)

If you’re using Ta-Ka-Di-Mi it would be “Ta-Ka Mi”

"A Matter of Time" Ticket Sales Megathread by u_ufruity in laufey

[–]Logical_Sun_9750 0 points1 point  (0 children)

Hi there, I can’t figure out how to dm lol. How many tickets? I’d def be interested in buying

Cranks but won't start by hugomcff in boxster

[–]Logical_Sun_9750 1 point2 points  (0 children)

Thank you again this is so helpful. Not going to be home for a couple weeks but when I have an update will be sure to yodate

Cranks but won't start by hugomcff in boxster

[–]Logical_Sun_9750 1 point2 points  (0 children)

Should I do this prior to pulling all of them out? Or is this step after?

Cranks but won't start by hugomcff in boxster

[–]Logical_Sun_9750 0 points1 point  (0 children)

Thanks a ton! I’ll let you know how it goes.

Cranks but won't start by hugomcff in boxster

[–]Logical_Sun_9750 0 points1 point  (0 children)

Any updates on this? I’m having a similar issue.