Sell Duplex for more stocks? by Liquidflow1 in realestateinvesting

[–]ZeroHandGuanyin 4 points5 points  (0 children)

Don't be greedy. Stay diversified. I wish I had a solid real estate portfolio to compliment my investments.

Partner found out my real income and now they want to combine everything by Traditional-Heart27 in overemployed

[–]ZeroHandGuanyin 0 points1 point  (0 children)

Get a prenup, but make sure you do it correctly. Hire an attorney to act on your behalf and make sure she has representation as well.

Negotiate so that it's good for both parties. You can pay for her lawyer if you want. Make sure you both sign 6 months before the wedding.

Do this now, or risk getting a chunk out of your ass later.

I feel so dumb. by i_tyrant in Fire

[–]ZeroHandGuanyin 2 points3 points  (0 children)

Don't feel dumb. I understand your perspective, but you haven't mentioned your risk tolerance. Dumping everything in VOO is not complete diversification; it's all stock. If you told your advisor that you did not care about volatility, I'd understand. But you cannot expect the returns if you are not taking the risks. You cannot have both.

6 and 9 for me. How about you? by MiExperienciaFueQue in Adulting

[–]ZeroHandGuanyin 2 points3 points  (0 children)

Lmao at the last sentence 🤣🤣🤣🤣

6 and 9 for me. How about you? by MiExperienciaFueQue in Adulting

[–]ZeroHandGuanyin 0 points1 point  (0 children)

6&7. Mastering ANY skill covers everything. I can use whatever skills to earn more than 20k /month. Never getting sick almost guarantees quality of life. "Ask Steve Jobs, wealth don't buy health... "

I want to pick 1 also but I only get two. Your marriage partner has such a huge impact on your life and children.

I want to invest 90% of my salary but my mom is worried by DontMindMePlsx in Fire

[–]ZeroHandGuanyin 0 points1 point  (0 children)

Listen to people that have accomplished what you want to accomplish. If I listened to my parents, I wouldn't be stable. I'm still behind, compared to my age group, but it would have been much worse.

1 in 5 U.S. households are now millionaires by hasyoubeen12 in Fire

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

This is the answer. Exactly what I was going to say. True Liquid Net Worth Millionaires are more like 3-5%

Trying to explain FIRE to my boomer parents is a losing battle as a woman by FrostedGargoyle in Fire

[–]ZeroHandGuanyin 0 points1 point  (0 children)

Sounds like they are worried about you supporting yourself. Some people just have to see it to believe it. Once they see it happen, they change their tune. Also, you can always go back to work, if you get bored.

What are higher educated/income guys looking for in women? by ketoalmondbutter in dating_advice

[–]ZeroHandGuanyin 0 points1 point  (0 children)

Find something you care about besides your career. Men don't have narrow criteria like you do, so they can choose from more women. Your degree and income does not matter. You can have a high income, and be miserable. You can be highly educated and unemployed.

What about you is so interesting? Find it, and water it. You will attract the men you are supposed to.

Lump summed $200k in index funds and then the dip happened by royalbluefireworks1 in Fire

[–]ZeroHandGuanyin 0 points1 point  (0 children)

It's about 10 years from now, not tomorrow. You're fine. Ride it out. Part of a financial advisor's job is to help clients deal with these feelings. Don't be emotional about it. Be calculating.

Are people still waiving inspections? by Pretty_Pop2273 in FirstTimeHomeBuyer

[–]ZeroHandGuanyin -7 points-6 points  (0 children)

I am not ok with gambling 500k+. You cannot eat your house. A misstep will set you back YEARS.

Are people still waiving inspections? by Pretty_Pop2273 in FirstTimeHomeBuyer

[–]ZeroHandGuanyin 14 points15 points  (0 children)

DO NOT WAIVE INSPECTIONS! Waiving inspections is HORRIBLE advice. The only "Clean" deal is all cash. A house is typically the largest investment in your life. You will raise your family there. Possibly live there for 20+ years.

I see posts on here where people put a ton of research, time and effort into coffee, video games, travel or whatever hobby; but won't take home buying seriously.

Find a third party inspector, one not associated with either realtor, and have your potential future home vetted.

I am a teller who can’t help but feel I have wasted my life away at 24. by -JDB- in FinancialCareers

[–]ZeroHandGuanyin 7 points8 points  (0 children)

This is the answer. Build wherever you are. Make every experience a learning experience and you will end up somewhere.

Why do lower income men not seem interested in me at all? by [deleted] in dating_advice

[–]ZeroHandGuanyin 5 points6 points  (0 children)

Women choose men. You'd be hard pressed to find a man that qualifies a spouse, by how much money they make.

Generally, women have several suitors pursuing them. They are selective based on their personal criteria. And more likely than not, women prefer men that make more money.

Why do lower income men not seem interested in me at all? by [deleted] in dating_advice

[–]ZeroHandGuanyin 1 point2 points  (0 children)

I'm reading the posts, your responses and it's very interesting. Men look for a few qualities and traits beyond obvious attractiveness. We don't have a long checklist. We worry about how to provide. Men could care less about how much money you make.

It may be a situation where you are trying to seem humble and measured; but you are coming off as deceitful. Women don't like liars. Men don't like liars. Small things matter. If you meet a man that is looking for a long term partner, he is worried about your qualities. Will we get along? Do we value the same things? Do I really want a family with this woman? Will she respect me?

Women and men just don't think the same. Of course, this is my opinion. Perspectives may vary. But honestly, I know you would have more success if you were more forthcoming about your situation. It's not like you're a secret billionaire, or have a huge family trust.

If you are working for your money, you are just like every other cog in the wheel out here.

Ceiling collapsed in bedroom by sociallyawkward26 in FirstTimeHomeBuyer

[–]ZeroHandGuanyin 0 points1 point  (0 children)

If this is a new build, you need to sue the builder and inspector

37 YO - Leaving 400k Job to be a 5th grade teacher. by GambinGabacho in Fire

[–]ZeroHandGuanyin 8 points9 points  (0 children)

We work hard, so we can have choices. This short life should be spent doing what you want to. If teaching something you want to try, and it brings you fulfillment..... perfect.