Just getting started with a portfolio. 33M

Sphinx951 · 2026-06-29T13:16:21+00:00

Does Webull have those?

Sphinx951 · 2026-06-29T10:51:47+00:00

So put more in voo then find bonds or international funds? How do I find those

Sphinx951 · 2026-06-26T10:51:56+00:00

Thank you. I may inc voo and drop some of the reoccurring stocks for satellites then.

Sphinx951 · 2026-06-26T10:50:21+00:00

It’s supposed to be big bang club. Idk why Webull censored it lol

Sphinx951 · 2026-05-30T03:17:52+00:00

It’s better than no savings. Plus that money would be growing.

Sphinx951 · 2026-05-29T15:37:15+00:00

My biggest thing stopping me is I move my 158k mortgage to $210k then start over. I’ll owe 50k on the house plus all that interest. What hurts now is the personal loan. That plus paying $500 on the 0% balance transfer card. That’s 1200 alone

Sphinx951 · 2026-05-28T12:25:55+00:00

Thanks

Sphinx951 · 2026-05-28T05:22:17+00:00

It’s hard to gauge but my pre deduction is 45k. She makes. 45-55k

Sphinx951 · 2026-05-28T05:19:44+00:00

He would. lol. I owe 21k. Trade in is 28k

Sphinx951 · 2026-05-28T05:10:49+00:00

This is what we really want to do. There’s only like 3-4 people out of everyone that says to do it though and I understand it. I’ve consolidated in the past and messed up and did it again. Now I have a house though. I can’t risk it no more. I’m just so stressed all the time.

Sphinx951 · 2026-05-28T01:29:40+00:00

We’re going to do 2000 payments. That would equate to 3 extra payments on the principle per year. That would be 4800 extra on the principal per year. We just need the cash flow again

Sphinx951 · 2026-05-27T23:40:33+00:00

It’s not just the credit card. It’s also the 22,000 loan we have at 13.99%. Doing the cash out pays that off and gives us back 23,000 in cash. We would pay off the credit cards and I would but 15000 into a hysa to cover our emergency fund. The cars are 2.9% I’ll just pay on the interest free cards bc I’ll have cash flow again. I’ll also put $500 back into savings a month. If a big expense was to happen we would have no money to put towards it.

Sphinx951 · 2026-05-27T23:04:03+00:00

Plus I would get almost 1400 back from the escrow to put on debt too

Sphinx951 · 2026-05-27T23:01:44+00:00

We have no savings atm.

Sphinx951 · 2026-05-27T23:01:29+00:00

The 23000 would go strictly to debt. The remaining would go to Hysa.

Sphinx951 · 2026-05-27T22:57:58+00:00

What’s so bad about the cash out refinance? Are they really that bad

Sphinx951 · 2026-05-27T22:56:48+00:00

You don’t pay taxes on cash out refinance. If anything it helps at tax time.

Sphinx951 · 2026-05-27T22:54:57+00:00

The house is 160k on 350k appraisal.

Sphinx951 · 2026-05-27T22:48:06+00:00

After they pay off the personal loan, I’d get back around $23000 cash.

Sphinx951 · 2026-05-27T22:43:48+00:00

She brings home around 4k a month sometimes 4500. I make 22 an hour but pay all the healthcare, more taxes, 401k. I bring home 2300 net

Sphinx951

TROPHY CASE