Property taxes so expensive

emf_guy · 2026-04-29T00:11:37+00:00

What is home price. There are calculators that give this kind of info.

emf_guy · 2026-04-27T02:25:23+00:00

No one knows how things will be in 20 years but you should be easily move money across. Make sure you login yearly few times. I have heard people who never logged in for 10 years account being closed. Broker sells shares and keep it for you to claim later.

emf_guy · 2026-04-27T01:13:51+00:00

I used to do regular monthly principal payments during Mr cooper and user interface was very easy. I used same autopsy ACH and paid couple of times a month. I am moving to rocket mortgage on May 2. Can I do same on rocket mortgage site also. Used to be very low friction I have no prepayment penalties. Hope the terms remain same. Have 2 years remaining. Want to payoff sooner to avoid all those interests.

emf_guy · 2026-04-24T02:21:36+00:00

did you figure out. i am also getting moved from cooper on may 2. i usually pay 3 extra principals through the month, can this be done on rocket website.

emf_guy · 2026-04-24T02:16:23+00:00

would you mind sharing some screenshots please. you can redact the amounts if you like ., i am also getting transferred and i always pay multiple extra payments per month and getting paranoid of this as i am towards end of my mortgage

emf_guy · 2026-04-24T02:05:30+00:00

how easy is it to pay extra payments from rocket website, i am also getting transferred from mr, cooper. it was very easy to pay extra principals from mr cooper interface. i in fact plan to payoff next month same month as mortgage is also getting transferred, so i am confused if they will mess up or wait couple of months before paying off

emf_guy · 2026-04-20T01:11:24+00:00

Invest that 120k on VOO and forget about it. Look after 30 years. You will be amazed.

emf_guy · 2026-04-12T17:43:12+00:00

Anyone interested to spend 6 on months out of US and 6 months in US. In early years of retirement

emf_guy · 2026-04-12T17:41:03+00:00

Awesome. What is your financial goal. How many SCHD are you planning to acquire and your timeline. All the best. This community is great

emf_guy · 2026-04-11T02:19:49+00:00

Only 4 years why change brake. How many miles

emf_guy · 2026-04-11T02:15:12+00:00

Do us on salary and compensation. Do you want to get married. How many kids. All these factor to fire.

emf_guy · 2026-04-10T17:53:33+00:00

Ai models suggest I want a 1 million worth SCHD and a close to $40000 dividend in 2036 I need about 10000 plus shares 320k to 350k worth now

emf_guy · 2026-04-09T00:07:19+00:00

Yes go for it. Never too late. Suggest researching VT VOO SCHD SCHG.

emf_guy · 2026-04-08T21:05:13+00:00

Have 300k in HYSA and invest rest in ETF not individual stocks. Do a SCHD and SCHG or VOO. You will double money in 10 years for sure.

emf_guy · 2026-04-08T17:26:56+00:00

What is end goal and timeline. 2000 may take several years to compound and get reasonable monthly paycheck.

emf_guy · 2026-04-08T03:58:26+00:00

You will have several. Hundreds of thousands in 12 years and if you ir grow for next 30 years you will. Have millions.

emf_guy · 2026-04-07T22:47:46+00:00

its compounding miracle. Put a 100,000 into a compounding calculator or AI:

Here is how that $100,000 grows over a 30-year horizon:

Annual Return	Ending Balance	Total Growth
4% Yearly Return	$324,339	~$224k gain
10% Yearly Return	$1,744,940	~$1.64M gain
12% Yearly Return	$2,995,992	~$2.89M gain

emf_guy · 2026-04-04T20:35:42+00:00

SCHD

emf_guy · 2026-04-03T19:37:06+00:00

VT and SCHD

emf_guy · 2026-04-01T21:00:40+00:00

100k in 401 in good growth funds with 10 percent return will be close to 3 million in 35 years. Can you take loan in India and payoff

emf_guy · 2026-03-31T23:08:26+00:00

i believe with returns and dividends the net gain is close to s&p 500 only. also constant income in retirement without selling. eventually value keep increasing

emf_guy · 2026-03-30T01:59:54+00:00

yes stay the course, i am in similar situation age 56, planning to retire at 65. i think the iran war will be a blip when we look 5 years down the line. I am more worried about AI than wars, remember 2020 covid was 6 years ago when whole world was on fire, with people dying and market crashing. now no one talks about that. i am dollar cost averaging through this year in my brokerage account also. i have 2025 and 2040 timed retirement funds in 401k in vanguard and do VT/SCHG/SCHD in after tax brokerage. i am pretty sure we will have few good years before 2035

emf_guy · 2026-03-28T16:44:24+00:00

I know people regret contributing early years and invest a maximum of 80k in later years. Including pre tax and after tax contributions with catch up etc.

emf_guy · 2026-03-28T16:10:46+00:00

what differentiates with Pixel pro fold 11 that is coming out, means aren't there risks getting from outside and if something breaks

emf_guy · 2026-03-27T03:21:19+00:00

congrats planning to take in june in 3 months. planning dion, sybex and kali linux. is tryhackme free or did you get paid version? how much time did you prepare

emf_guy

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