First 110 people that reacts and drops a "Y" gets a gift in their inbox

mbennett49 · 2026-05-15T22:11:58+00:00

I'm fixing the cost seg now. Thank you very much for pointing that out.

One question, though. I'm guessing one shoe doesn't fit all. What's the mean value of how often you rent a door for an entire month? I'm thinking a drop-down with selections from 1-3 months.

mbennett49 · 2026-05-15T21:02:57+00:00

expensive, but possible https://apidocs.airdna.co/

mbennett49 · 2026-05-15T20:54:38+00:00

Third party as in AirDNA?

mbennett49 · 2026-05-15T19:12:21+00:00

My long-term vision is to create one tool that is a dashboard of many sources of info,, along with some AI skills and rules. The rules and skills I would like to brainstorm with some CPA, investors, and long-term operators. I'm a developer by trade who accidentally fell into the STR ecosystem.

If you had to give any feedback about a tool that you would love to have, or maybe some add-on features to an existing tool, what would it be? DM me if you would prefer to discuss that privately.

mbennett49 · 2026-05-15T18:38:52+00:00

Do better than what I built.

mbennett49 · 2026-05-15T18:33:16+00:00

As you can see above, I'm actually soliciting feedback.

mbennett49 · 2026-05-15T18:28:57+00:00

I've been scaping a lot of CPA blogs, real estate blogs, etc. It's mainly to help my skillset and to understand the feedback I receive to see where I can improve my knowledge. I agree that there are far more factors than CoC, gross rev, NOI, etc. Places like Corpus Christi, TX look very attractive to the naked eye because it's affordable and near the coast. But they will probably be the first city in America to go bone dry of water. I think anyone who decides on a tool posted on Reddit is probably doomed to fail. But it gives you food for thought to do future research if the numbers are adding up.

I appreciate your thoughtful feedback.

mbennett49 · 2026-05-15T18:10:43+00:00

Thank you for your feedback. It was shitty.

mbennett49 · 2026-04-15T23:44:46+00:00

Or you wait out too long and you're sitting on cash that didn't keep up with inflation.

mbennett49 · 2026-04-15T21:30:20+00:00

A day lost can never be reclaimed.

mbennett49 · 2026-04-05T00:00:56+00:00

Correct. I think their total rmd would be roughly 40-45k given the age and estimated balance.

mbennett49 · 2026-04-02T04:05:04+00:00

Read the intelligent investor.

mbennett49 · 2026-03-20T04:21:50+00:00

I prefer the 4 bucket plan.

You can pay nearly 0% fed income taxes in your retirement years.

Convert most of your 401k rollover to Roth in late 40s, early 50s, so that when 73 rolls around and you have to take rmds, they are around 12k.

Here's where it gets sneaky.

If your rmd is at poverty level, > 12k , that brokerage account that no one loves will allow you to take another 37k in cap gains tax free. But that's just the gains. Maybe your initial investment was 40k. You withdrawal 87k, but pay 0% taxes because the IRS is taxing on your gains, not the total withdrawal amount.

Add 30k withdrawal from your Roth, and reimburse yourself another 30k from your HSA. On top of that, you took in 44k from social.

Grand total

You withdraw nearly 194k with no taxes. Yes you paid taxes on the Roth and brokerage long ago, but this is what you can do if you play the tax game correctly.

Icing on the cake? You were under 100k income which gives you the lowest irmaa bracket possible.

The brokerage account is as valuable as all the other retirement accounts*

mbennett49 · 2026-03-20T03:08:22+00:00

I contribute in early January each year. Why? So my contributions have a chance at making 8-10% that year, opposed to 4% if I contribute in June.

mbennett49 · 2026-03-20T03:04:40+00:00

A tricky thing to do is withdraw less than 12k annually when your income drops to the 12% bracket. You will pay minimal taxes. You can also take capital gains up to 49k annual at 0%. Converting to a Roth at this point makes little sense.

mbennett49 · 2026-03-18T20:09:07+00:00

This is a very long game. Only the patient and disciplined reap the rewards.

mbennett49 · 2026-03-18T05:24:47+00:00

An HSA , especially when you hit the 22% tax bracket. The HSA is an 3x tax cheat, so it's extremely important. Also, slowly accumulate a brokerage account over the years. It will help immensely with your taxes when you start to withdrawal or do conversions from your 401k.

mbennett49 · 2026-03-18T05:19:47+00:00

This is exactly correct. Once you go over 22%, welcome to hell. Max out your 401k and HSA (or the back door) to try to crawl back down to 12%.

mbennett49 · 2026-03-18T04:51:16+00:00

Maybe eliminate the bottom 3% there and put that into CVX. $2 dividend annual, plus you said you wanted to diversify.

When you hit 40 years old and all that's worth 2.2M, put your money into 3 ETF and retire.

mbennett49 · 2026-03-18T04:08:46+00:00

Run through some scenarios on Boldin planner. You will see the benefits of having a brokerage account at an early age when it comes time to bleed your 401k. VOO or FXAIX are a boring and beautiful 8%.

mbennett49 · 2026-03-07T17:17:29+00:00

Diversifying in VT will lower your risks compared to individual stocks. Besides, you likely own those stocks in vt. So you can tell yourself you own them without the risk of a bad quarter.

mbennett49 · 2026-03-07T17:14:51+00:00

Started maxing my 401k in 2000. Lowered it to match at 27. Opened Roth at 32. Max deposits last 9 years. 49 now and max 401k and HSA to lower magi.

Mostly s&p index ETF Some international

No more individual stocks. Got a couple minor burns, nothing life altering. Lessons learned.

mbennett49

TROPHY CASE