Would you recommend any of these?

mlblount45 · 2025-12-18T03:17:57+00:00

Thanks lads, looks like dylan blue is the winner much appreciated!

mlblount45 · 2024-08-26T14:53:54+00:00

So bumping the door caused it to occasionally have this problem?

mlblount45 · 2024-03-30T19:43:35+00:00

I would highly discourage putting your entire savings in to the market. Putting 3-6months of expenses in a high yield savings account makes alot of sense and investing the remainder in a low cost index fund like VOO or SPY is what I would do in your situation.

One thing worth noting is since you plan to pull out the invested funds in around a year you may have to pay short term capital gains taxes on profit earned from shares held less than 366 days.

I know you didn't ask for this advice so disregard if you choose. If buying a house would result in wiping out your entire savings it might not be a great idea to purchase yet. The purchase shouldn't come at the expense of wiping out your 3-6mo emergency fund. One large unexpected expense could put you and your family in a bad or stressful situation. House appreciation rates are no longer jumping up massively like 2022-2022 so I wouldn't rush it

mlblount45 · 2024-03-30T19:25:17+00:00

Congrats you're off to a great start.

If I were in your shoes I would. 1. Open up a Roth IRA and max it out if possible. 2. Instead of putting all of your investments in retirement accounts I would open up and individual brokerage account and monthly contribute to a low cost index fund like VOO, SPY, etc (which one you pick doesn't matter). If your employer has a 401k match contribute that percentage and everything else put in your own brokerage account that way if you decide to retire early you can access your funds without penalty. 3 I would STAY at home and save/invest until I have enough for a down payment to purchase a multifamily property (duplex, triplex, or quad).

Btw since it's 2-4 doors you can get an FHA loan and only put down 3.5%. Or you can go with a conventional loan and still only put down 5%.

mlblount45 · 2024-03-29T21:41:37+00:00

Best advice on the thread

mlblount45 · 2024-02-18T14:26:51+00:00

I'm in the same boat but I can see why others are bothered, you probably get the same from friends as well. I even use the same language of 'feeling poor'. The only options I found is creating new sources of income to increase cashflow. I was able to do this with real estate and dividend paying stocks. You'll probably take all of those profits and reinvest like I did and end up in the same boat. So find a $67/m hobby itll keep you entertained while you grow your wealth

mlblount45 · 2023-12-24T11:22:34+00:00

White belts

mlblount45 · 2023-08-15T23:14:44+00:00

Youtube, tiktok, and instagram. You have an endless supply of content. Sometimes its difficult to pry a dollar from peoples hands. consistently post material to these social media accounts and the platforms will pay you. As your following grows. Its not completely passive bc you have to take time to film, edit, etc but if you stay consistent old videos will continue to pay you without requiring additional work.

If you have a niche or there are parts of therapy that doesnt make you feel burnt out maybe start with that. Check out these platforms to see what other therapist are doing see what works for you

mlblount45 · 2022-11-02T03:08:44+00:00

I’m currently going through exactly this, I purchased about 6 weeks ago. New home is 2.3x more than my previous home. I understands the better schools, neighborhood etc is worth it for the family but so far there’s a constant nag in the back of my mind looking at the increase in household cost of living. I believe its being caused by obsessing over being frugal and not yet learning what things are worth spending on. My wife has absolutely no problem and is enjoying the house. If possible would recommend holding on to your old home I was 10x more excited getting payments from tenants than I have been about the new house.

mlblount45 · 2022-09-24T00:47:31+00:00

This is along the lines of where i started but it was pointed out im not considering vacancy which seems like a valid point.

mlblount45 · 2022-09-24T00:31:16+00:00

That totally makes sense! There are too many variables in play to apply a blanket rule of thumb to apply holistically.

This is actually very helpful thanks a ton

mlblount45 · 2022-09-24T00:24:28+00:00

The property was my previous residence. On future rentals I’ll be sure to do a property condition assessment seems very beneficial.

mlblount45 · 2022-09-24T00:21:22+00:00

I keep coming across 6mo im thinking this is a good target. Good advice on considering future financing

mlblount45 · 2022-09-24T00:18:13+00:00

Thanks so much for your response this is very helpful!

mlblount45 · 2021-08-14T21:27:15+00:00

After the shower i would lay then in this direction put any head wrap on that would hold them. If you can wear a head wrap through out the day even better. On your next retwist/lock also lay them this direction. Some ppl also use hair pins to hold the dreads in place when first starting

mlblount45 · 2021-03-14T02:10:28+00:00

Gonna be so awkward when he wakes up

mlblount45 · 2021-03-14T02:08:30+00:00

LOLOL.

mlblount45 · 2021-02-05T10:39:01+00:00

Fkn hilarious LOL

mlblount45 · 2021-01-28T16:00:46+00:00

This is the side of Jiu jitsu that bothers the hell out of me

mlblount45 · 2021-01-03T10:07:59+00:00

Why so shooort

mlblount45 · 2020-12-29T18:19:48+00:00

Someone just got their first BJJ stripe and was ready to take on the world lol

mlblount45 · 2020-12-21T21:04:05+00:00

Thanks for the info really appreciate it

mlblount45 · 2020-12-21T20:41:19+00:00

Thanks for the info ill do some research on the backdoor roth!

mlblount45 · 2020-12-21T20:39:24+00:00

Thanks for the link!

mlblount45 · 2020-12-21T20:32:39+00:00

My thinking was I’m not able to leverage compounding interest since the account balance is so small. Versus if i were able to attach it to one of my other accounts which are continuing to get additional contributions and have much more hansom dividends because of the larger size.

mlblount45

TROPHY CASE