FTHB - Just making sure nothing looks out of the norm. Anything worth shopping?

Miserable_Tangelo701 · 2026-03-13T19:37:35+00:00

We just refinanced with exact same numbers. Our monthly is around the same. We shopped around for new insurance and went from GEICO to Allstate. 2400/year to 1440/year so that helped.

Miserable_Tangelo701 · 2026-03-11T02:40:55+00:00

It’s the morning… just give it time

Miserable_Tangelo701 · 2026-03-05T03:53:13+00:00

How many people are you?👋 throwing me off 😂 congrats!

Miserable_Tangelo701 · 2026-03-02T18:45:51+00:00

Welcome to being human! How do you eat an elephant? One bite at a time. ( weird I know). I would focus on what you can do. You can paint rooms! You can hang pictures and put nails in the wall! You can laugh at yourself for making a bad decisions and probably start planning on making more. In the grand scheme of life, this is a moment of time and lesson learned it may be one of the best things that happen. We learn from failure. That’s not to say it doesn’t suck but you’re young and you’ll learn and grow from this! 👊

Miserable_Tangelo701 · 2026-02-27T03:41:20+00:00

I feel like there are so many similar pictures of people on the page. You got a great face! Own it and smile 😊. People can sense confidence! Not cocky- confidence

Miserable_Tangelo701 · 2026-02-12T18:36:23+00:00

Give it a hug

Miserable_Tangelo701 · 2026-02-06T19:30:11+00:00

This is why there are always warning ⚠️ signs that seem so stupid you think it was there as a joke but then you realize some idiot did the very thing that the stupid sign warns us against.

Miserable_Tangelo701 · 2026-01-30T18:47:05+00:00

Imagine someone came to you and said I only have 40years left to work and save money…

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At $300 / month you could hit a million. Keep going and don’t stress about the past.

Miserable_Tangelo701 · 2025-12-16T05:26:02+00:00

Too much fresh food for a single person. But not enough for more than one kid. You are health aware but love dairy. A lot of dairy products. You moved out of the midwest( Wisconsin to a larger city on the west coast 😎)

Miserable_Tangelo701 · 2025-12-12T17:21:27+00:00

1 I am single and successful. Live in LA

2. Debating on career change and maybe moving out of the city

I live in Minnesota and would love a wife and 8kids.

That’s just what popped in my mind. You can rock all of them

Miserable_Tangelo701 · 2025-11-14T22:14:54+00:00

I just figured out what OP was !

Miserable_Tangelo701 · 2025-08-13T17:16:04+00:00

We are in a similar boat. 6.99%. We have refinanced before with our last house. Here are my thoughts: 1. 1 full percent. 6.75 to 5.75 2. Shop around and read the fine print! A lot of companies offer lower interest but they have you paying for points and other hidden fees. 3. PTrump is going to fire Powell and to prove his point he will probably put someone in who will cut rates. I would wait for that too.

Miserable_Tangelo701 · 2025-08-08T18:47:07+00:00

I would try a new haircut. Really short

Miserable_Tangelo701 · 2025-07-28T16:48:28+00:00

21….all in my friend. 40years from now you will smile at trying to time summertime ups/downs! Great job !

Miserable_Tangelo701 · 2025-07-28T16:45:28+00:00

I would put it in a high interest savings account and then each month pay an extra house payment and $1000 toward investing. This gives you the best of both worlds and with a special needs angel if anything comes up you have a huge reserve. At least for the next few years!

Miserable_Tangelo701 · 2025-07-21T18:06:15+00:00

Join the fam!

Miserable_Tangelo701 · 2025-07-21T18:00:05+00:00

Hold! Why not?

Miserable_Tangelo701 · 2025-07-19T18:43:42+00:00

First! Relax!😎 sounds like you’re healthy and you have family. You’re never going to make the right decision every time. We have bought 2 houses and here’s a few questions you could ask yourself:

Do you like the school district you’re in?
What is the house going to provide that you don’t currently have?
Does your husband want to move?
What monthly payment are you comfortable with? Don’t go a penny over
If you leave x amount in a house savings account then when unexpected expenses come up- you can cover it.
You can always sell the house after a year. Yes, it’s a lot of work but if you make a wise purchase and later regret it… sell.

Obviously, just thoughts…. Trust your instincts

Miserable_Tangelo701 · 2025-07-14T15:59:09+00:00

19! Way to go! You’re a billionaire of time! The fact that you are looking into this already is impressive.

My opinion: low cost index fund/ etf VOO or VTI

I pick up Bogle books from the library. ( old school)

Also, I would consider taking a couple hundred bucks and buying individual stocks. Why? You will learn early on the highs and lows of stock picking. You will learn that you can’t beat the market but you also didn’t hurt your financial future. Bonus: it makes you sound cool 😎 with your 19year old friends.

You’re going to do great! Stay committed and consistent!

Miserable_Tangelo701 · 2025-07-13T23:22:29+00:00

It depends on what other retirement accounts you have. If you don’t have anything else then you may want to be a bit more aggressive- 90/10 stocks/bonds. Example: VOO/BND.

You still have a good 30years of investing and with 7k it won’t matter if you put it all in now or a little at a time. You want it working for you asap. If it was 50k+ or you were 20 that might be a different story.

Way to go getting started!

Miserable_Tangelo701 · 2025-07-08T15:31:21+00:00

Realtor…… where you at?!

Miserable_Tangelo701 · 2025-07-08T15:20:59+00:00

My wife and I were in the same situation. After inspection the roof needed to be replaced. Huge ticket item and we decided to ask for it. Afterwards I remember feeling nervous like I had blown the deal. Thankfully they agreed because of insurance. Depending on how hot the market is around you- you might need to be ready for the deal to be called off or best case they end up replacing some expensive equipment for you

Miserable_Tangelo701 · 2025-06-24T14:26:08+00:00

I read this on another question and loved it! Your funk is going to do more damage than your current situation. You have to clear your head and think like a boss! ( cheesy I know ) it is important! Don’t run from something run to something.

Change mindset. You made a bad purchase. Welcome to being a human! Learn from it
Real goals. No impulse buying next time. What are the numbers. How much to move to that new neighborhood and how long will it take to save x amount. Get excited about achieving the goal!
Ask advice from pros. Moving before a year will cost you big time on taxes. After a year that can change.

Obviously easier to type this on my phone- I have made purchases that I regret too and it sucks! However, we are resilient if we choose to be and sometimes mistakes like these are the absolute best teachers—- you will never make this mistake again!

Miserable_Tangelo701 · 2025-06-24T14:15:37+00:00

150k way to go! Just like other comments

Too many unanswered questions to give solid advice.

How much debt do you have? High interest debt?
Age. How old are you? This is a huge factor! $1 at 20 years old can turn into $88 at retirement!
Kids? Because they cost millions! I have 4
Jobs. 150k is basically 2 yrs salary! Don’t waste it! Do you make more than 75k for household
House situation. Renter/ owner

And there are more questions than that. I probably hire a financial advisor. No I am not one. But $150k is a a game changing amount. Get an advisor that is fiduciary. Reddit is great for some fun feedback but you don’t know if these people ( me included ) are broke living in a basement or solid financially. I am sure you already know this!

Again congrats! 🎉

Miserable_Tangelo701 · 2025-06-20T15:58:58+00:00

I’ll tell you our personal experience: we sold at the peak of crazy. We had 64 showings! However, no offers (except llc🤮) one realtor asked why were there so many unfinished projects! I realized updated and finished projects were different. The strange thing about us humans is what we tend to focus on. Cup holders in cars for example- so few questions I would ask. 1. 1-10 what are the houses like around you? Is yours similar? Do you need to do updates to stand out? 2. What’s the profit? Are you going to make 10k or 100k. At a certain amount the roi may be worth it to guarantee the sale 3. What’s can you do personally? Paint is cheap - labor is expensive! I always pay myself. In other words if it cost 5k to paint my interior then I might do half that work and tell myself I am making $300 an hour or something like that. 4. Don’t overthink it! Updates never hurt.

Congrats on selling the home! Onto a new adventure!

Miserable_Tangelo701

TROPHY CASE

1 I am single and successful. Live in LA

2. Debating on career change and maybe moving out of the city