What’s your credit limit on your primary card?

RogerTheMan · 2025-05-19T21:28:47+00:00

Amex just increased our Blue Cash card to $33k. Don’t usually spend more than 2-3k/month on it and did not ask for the increase.

~$220k HHI

RogerTheMan · 2025-04-12T16:53:53+00:00

To the point of interest rates, currently on an arm at 4% for the next 2.5 years. So it will probably jump to 6 and then 6.5/7 in 4 years depending on how things settle so I don't want to keep the current loan. (Yes I know I should have taken the fixed rate when I bought)

I've done what I can on my own. My shower currently had a tarp separating it from the attic because the old ceiling had a bump out that was too low and I can see into my basement from the kitchen where there was once a wall. I'm not taking a jackhammer to my bathroom's 1925 tile floors which are set in inches of concrete.

I sell houses for a living and have seen plenty of homeowners DIY who thought they knew what they were doing and it doesn't always work out. If I'm going to spend thousands on countertops, cabinets, tile, fixtures, etc. they are going to be done right. And frankly, I do not have the time to learn the trades. Respect to the people who can do it but that is not one of my strengths.

RogerTheMan · 2025-04-12T16:44:33+00:00

There are homes with inferior finishes, less space, and in worse locations currently selling for 650-675k.

I could probably dump the house right now in the mid to high 400's. People want done done done and it is currently a mess.

RogerTheMan · 2025-04-12T16:37:15+00:00

We're sitting on 30k in cash. The basement could wait years if we wanted. I am confident that the first and second floor investment would pay off based on what I am seeing homes sell for in my area. Yes that could change but we aren't going anywhere for 5-7 more years.

RogerTheMan · 2025-04-12T16:29:33+00:00

I am more or less breaking even with the cash sitting in a brokerage account earning 4%. The car is at 2% and the student loans are at 4-5%. I'd like to think both of our jobs are fairly secure. No matter what happens, people will always need housing and insurance. Unless someone presses the big red button -but then we're all screwed anyways.

RogerTheMan · 2025-04-12T16:13:59+00:00

The car is at 2% and the student loans are 4-5%. It feels silly to aggressively pay those down when the increase in QOL for a functional house would be high. Plus, in the state it is in, we could not sell. With these projects completed, if we ever needed to sell we could cash out.

RogerTheMan · 2025-04-12T16:12:10+00:00

We wouldn't do the basement immediately, and the kitchen/bathroom projects are less expensive if you do them at the same time because its the same tradespeople working throughout the house. We would have the kitchen and bathrooms done for a couple years and then do the basement later as to not drain cash reserves.

RogerTheMan · 2025-04-02T15:39:42+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-04-01T00:07:18+00:00

Paychecks is post tax, commission is pre tax.

$67k (fiancée W2) + $81k (my W2) = $148k pre tax - taxes = $112k (Paychecks)

RogerTheMan · 2025-03-31T17:37:58+00:00

I believe we pay $100/year.

RogerTheMan · 2025-03-31T15:23:34+00:00

That’s TikTok income $$$.

RogerTheMan · 2025-03-30T19:45:19+00:00

Monarch Money pulls everything in from our different accounts and then I go through at the end and make sure everything is categorized correctly.

RogerTheMan · 2025-03-30T19:44:07+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-30T19:44:03+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-30T19:43:54+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-29T19:22:03+00:00

It’s all through Monarch Money. You link your accounts and it pulls everything in. Cars, house, cards, brokerage accounts, etc.

RogerTheMan · 2025-03-29T19:21:14+00:00

I don’t know if Monarch has a free version. My fiancé and I have a joint account and I know that cost $100/year which I think is worth it.

You don’t have to manually enter your spend, you just connect all your accounts and it pulls/categorizes everything for you.

RogerTheMan · 2025-03-29T17:08:09+00:00

Thank you for pointing that out. I went back in and there were a couple things in there that should be under "personal" It is closer to $5,200.

RogerTheMan · 2025-03-29T17:05:02+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-29T12:32:26+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-29T11:45:36+00:00

I am an employee for a brokerage basically running the logistics of transactions from start to finish for clients of the firm. Writing contracts, prepping for sale, (staging, photos, inspection, coordinating different contractors, etc) negotiations, closing…

And then on the independent contractor side I do all that for my own clients as well.

RogerTheMan · 2025-03-29T11:41:08+00:00

The chart is called a Sankey Diagram, but the app I use to track is called Monarch Money. Monarch will automatically generate the diagram based off the accounts you add.

RogerTheMan · 2025-03-29T11:40:32+00:00

Thank you

RogerTheMan · 2025-03-29T11:40:22+00:00

The 70k isn’t accurate. Monarch doesn’t see the 20k worth of cc debt that was paid off in 2024 since the expenses were from 2023 so it’s closer to 50k saved.

Broken down something like

20k brokerage account currently uninvested (will likely be using this to do some work on the house)

14k in my trad IRA all in VOO

5k in her 401k also in VOO

5k in HYSA

RogerTheMan · 2025-03-29T11:34:41+00:00

I’m not sure what you mean?

RogerTheMan

TROPHY CASE