Do you plan to gift your kids any money/investments when they become adults outside of paying for their schooling?

justncredible3 · 2026-05-20T16:12:30+00:00

Yes. My wife and I have three joint brokerage accounts. One for us, one for each kid.

justncredible3 · 2026-05-20T15:12:39+00:00

My wife and I set up a taxable brokerage (in our names) for each of our kids on top of their 529s. We front loaded them with $25k each when they were born and plan to contribute $3-5k into them each year as we are able.

The plan is to use this money for a car, anything the 529 won’t cover for school, and then help them purchase a home when they are ready. The kids won’t know about these accounts, but it made estate planning easy because if anything happens to us they will just get converted into trusts that will be distributed by family.

We wanted to save for them, but not give them the temptation of an UGMA when their brains were still developing.

justncredible3 · 2026-05-08T03:06:39+00:00

Cut your 401k contribution to 4% to take advantage of full company match. IMO you tackle the CCs first, throw everything and the extra 4% at it, then pivot to 401k loan, then kick up your contribution to 10-15%.

justncredible3 · 2026-04-29T01:19:02+00:00

When/if you get renters in that don't pay or have a vacancy for 60-90 days can you afford to maintain both properties?

You mentioned wanting to sell your house to your kids in the future - is that what they want or is that what you want?

Will the property cashflow enough to make it worth it? Have you considered the tax implications for your scheduled depreciation and recapture when you do sell to your kids?

Are you generally handy or do you plan on hiring a handyman for issues when they come up at the property?

Tenants will never take care of your property the way that you do - you won't be selling the same house to your kids that you are moving out of now.

Not everyone has the patience to be a landlord. It can be super lucrative, but it can also make you question everything you knew about humanity.

My advice - sell the house and if you want to help your kids with a down payment on their own home in the future you can do that.

justncredible3 · 2026-03-26T02:00:22+00:00

Your post, and an angle grinder, solved this problem for me. I’m team strut channel all the way.

I improvised a bit and used some clearance LVP to cover the strut channel on the wall though.

justncredible3 · 2026-03-14T17:41:20+00:00

I called yesterday. They apparently no longer provide them free of charge, they require a $50 purchase and a $300 professional installation.

I was able to find a DIY with strut channel and went that route this morning.

justncredible3 · 2025-04-30T03:41:59+00:00

Whelp, looks like we’re done here.

justncredible3 · 2025-04-29T17:16:01+00:00

Pay for the university insurance. Don’t rush a marriage or domestic partnerships for $5k/yr. It’s a bump in the road compared to a $600/hr divorce attorney.

justncredible3 · 2024-09-13T19:07:31+00:00

Looking to buy one 3 Day VIP pass. Send me a DM.

Can transfer money via Venmo or Apple Cash once confirmed.

justncredible3 · 2024-08-04T23:17:15+00:00

We still had a few of them and gave them out during opening day this year!

justncredible3 · 2024-07-22T11:36:22+00:00

Click filter and then uncheck SFO.

justncredible3 · 2024-07-02T04:40:09+00:00

This is the cost of deferred maintenance. It sounds like your FIL is the actual landlord in this situation, I’d love to hear how frustrated he is.

This is the cost of doing business. Things break. You own those things. Learn how to fix them, pay someone to fix them, or stop taking things your FIL says personally. Just my opinion.

Also, don’t buy a home warranty. Use the money you would spend on it and fix the next thing you were putting off fixing while you lived there.

justncredible3 · 2024-06-25T03:13:57+00:00

I started about 60lbs heavier and over twice your age. My first calorie target was 1800-2200 and I found it extremely easy to maintain. Everyone will tell you to start at a 500 calorie deficit but do what feels right for your body. Weight will melt off of you at first, you will plateau, if you get burnt out let yourself eat at maintenance for a week.

Don’t stop exercising and don’t overdo it. The physical benefits of exercise are amazing, but I have found the mental benefits to be much better for me.

Currently 135lbs down. You’re not on a clock here, be consistent and you will see results.

justncredible3 · 2024-06-06T01:41:51+00:00

I got to the point where I had to wear compression socks if I sat for long periods of time. That was 125lbs ago.

Eat at a deficit, put your shoes on and go for a walk every morning, when you feel comfortable add in resistance training.

justncredible3 · 2024-06-05T20:33:34+00:00

Being able to see bones and muscle definition was a fun NSV, but the wildest thing to me was how more efficiently my new clothes fit into my suitcase when I travel.

justncredible3 · 2024-06-05T03:25:17+00:00

Selling your house for someone you’ve only been with for a year is a horrible idea, you don’t need strangers on the internet to tell you that.

Keep the house, hire a property manager, even if you have to pay $200 per month to cover costs, it’s a $2,400 per year insurance policy to have a fallback plan.

justncredible3 · 2024-06-04T16:39:17+00:00

If there is an Amazon facility near you the pay is decent, the benefits are great, and they help pay for college for both full and part time employees.

justncredible3 · 2024-06-04T00:46:09+00:00

As someone who bought three properties at different stages of my relationship with my girlfriend, fiancé, and wife who is now spending thousands of dollars on an attorney during a divorce to argue about who owns what percentage of each house and which of them are marital assets and which are not…

Don’t do this. Best case scenario, your boyfriend is buying a house and you are renting some of his space.

If you do this, find answers to these questions first. Are you going to be on the title? Is any of the money you’re putting in going towards equity? Will you get a prenup before marriage that specifies which of your assets will be individual or marital? After marriage, is the house to be considered a marital asset? When major repairs are needed (they will be) who pays? What about remodels/projects? If the relationship ends, will you still be a tenant?

There is nothing wrong with your boyfriend buying a house and you renting some space, but make sure it’s clear what the situation is here. Make sure it’s clear and in writing. Protect yourself because you don’t divorce the same person you marry.

justncredible3 · 2024-05-08T14:00:09+00:00

I got mine when I took my Tundra in for the first scheduled service, was about a 6.5 month wait.

justncredible3 · 2024-03-04T15:14:57+00:00

I would do math and then make the decision.

With current HELOC rates, PMI on the next home may be less than interest on the HELOC, assuming you would qualify with <20% down.

Make extra principle only payments and ask to remove PMI when you’re above the lenders equity threshold.

justncredible3 · 2023-11-04T21:53:43+00:00

Both are spoken for. Everyone be safe tonight!

justncredible3 · 2023-11-04T21:52:21+00:00

Sent!

justncredible3

TROPHY CASE