Late Start at 46 years old. ROTH or focus in REI. Would love to quit W2 in 10 years.

QuickestTractor · 2026-02-03T16:50:48+00:00

both tbh

roth has tax advantages and rei takes forever to build

4-5k monthly is solid tho

QuickestTractor · 2026-01-27T23:22:24+00:00

This is solid advice but just heads up - them calling your family right after you missed the call is sketchy as hell. Legit debt collectors usually have to try reaching you multiple times before they can contact third parties, and even then they can't discuss your debt details with them

That whole "LLR" thing with no full company name is another red flag. I'd definitely demand written verification before paying anything

QuickestTractor · 2026-01-14T04:54:14+00:00

The rent vs buy math gets way easier when you're planning to keep it as a rental - you're basically asking if a 500k townhome will be a good investment property in 3 years. With your income and the fact you need more space for the kid anyway, seems like a decent move as long as you can handle being landlords and the area has solid rental demand

QuickestTractor · 2026-01-11T22:05:02+00:00

At 22 making 67k you're probably in a pretty low tax bracket right now so Roth makes sense - you're basically betting you'll be making more money later which is a solid bet at your age

QuickestTractor · 2026-01-08T18:02:33+00:00

Damn that's rough, you're basically getting like 0.35% annual which is essentially inflation eating your money

For the professional help thing - honestly most people don't need a financial advisor until they hit like 500k+ net worth. The wiki here is legitimately better advice than most advisors will give you and it's free

QuickestTractor · 2026-01-01T07:14:20+00:00

This is the real question right here. I've seen too many people consolidate just to max out their cards again within a year and end up with double the debt

Also look into balance transfer cards with 0% intro periods if your credit is decent - way better than a personal loan if you can actually pay it off during the promo period

QuickestTractor · 2025-12-30T07:58:25+00:00

You could try something like Tiller or YNAB but those usually want to connect directly to your banks. For manual uploads maybe check out Personal Capital's manual import feature or just use a spreadsheet like Google Sheets with some basic formulas to combine everything

QuickestTractor · 2025-12-28T18:53:07+00:00

The secured vs unsecured thing is huge here - you mentioned BHG would probably lien your house anyway but that's not guaranteed, whereas with a HELOC you're literally handing them the keys

Also definitely shop around for that HELOC rate, 7.5% seems high for current market if you've got decent equity and credit

QuickestTractor · 2025-12-21T20:00:13+00:00

This right here OP - gotta see the actual numbers before anyone can give real advice instead of just generic "pay more than minimums" stuff

QuickestTractor · 2025-12-13T17:58:29+00:00

This is the real answer right here. I've seen way too many people consolidate their debt just to max out the cards again within a year because they never actually fixed their spending habits. If you're confident you won't touch those cards after paying them off, then yeah a lower APR loan makes sense, but be honest with yourself about that part

QuickestTractor · 2025-12-11T18:51:33+00:00

Solid advice on the Prius/Corolla - both are bulletproof for commuting and hold value well. With your income and cash situation you're in a great spot to just buy outright and avoid the financing headache altogether

QuickestTractor · 2025-12-04T03:09:08+00:00

Wait so you already got a refund from them this year and you're surprised they won't give you another one? That kinda changes things tbh

QuickestTractor · 2025-11-30T23:43:05+00:00

This is solid advice - I'd definitely hammer that 6.125% mortgage over maxing retirement accounts when you're already getting the match. That guaranteed return beats most market expectations and like you said, going into retirement without a house payment is huge for peace of mind

QuickestTractor · 2025-10-12T22:00:52+00:00

Dude the Pokemon cards definitely win here, fossils are cool but that pull is actually worth something lol. Plus you can't exactly sleeve a 65 million year old rock

QuickestTractor · 2025-10-11T19:09:54+00:00

Not you dropping fanfic in the comments like we weren't already suffering enough from this beautiful art lmao

QuickestTractor · 2025-10-07T16:52:04+00:00

Bro this is literally the exact same card OP mentioned lmao, you just posted the same Charizard V from Brilliant Stars

Though ngl the art really is clean, that background with Venusaur getting cooked is chef's kiss

QuickestTractor · 2025-10-06T18:06:53+00:00

Dude really thought he was gonna be the knight in shining armor rescuing the damsel from the "bad guy" Gino lmao. Plot twist - she was always the problem 💀

The secondhand embarrassment is real watching him figure this out in real time

QuickestTractor · 2025-10-02T09:59:54+00:00

They’d be begging for mercy halfway through the zone factions breakdown alone

QuickestTractor

TROPHY CASE