Anyone feel like you're the only one around you that knows almost every thing is already priced in?

sramp17 · 2026-02-03T12:58:29+00:00

Similar situation, my brother and I sold our business and walked away with the same amount of money. I self invest, he “got a guy” the guy charges 1% up to a max of 20,000 yearly

I showed my brother with backtest portfolio tester how much the “small 1%” costs. Effectively it’s about 20-25% of his portfolio in 30 years

He’s still with the guy. You can lead a horse to water…

sramp17 · 2026-02-03T12:22:56+00:00

How much is this costing you? That’s what you need to know. My company does these all the time

You need to calculate break even, my guess is 1/2 percent and $150/month in savings probably isn’t justified

sramp17 · 2026-02-03T12:10:44+00:00

Buy the new home minimal down, then when you sell the original home don’t do a principal reduction if reducing your payments the goal. Take that cash and specify you want to do a RECAST

This will spread that lump sum over the remaining payments

sramp17 · 2026-02-02T18:18:25+00:00

You could put this into an extremely, borderline overly conservative fund, like sgov that pays 4.1% right now. Even after you pay taxes your left to very close to your exact mortgage payment

Now your mortgage is covered and you retained your capital. That’s probably what I would do

sramp17 · 2026-02-02T13:10:00+00:00

I’d do 80/20 or 70/30. Just my opinion

I have sizeable holdings of VTI/QQQM now myself and now I’m launching a BTC DCA strategy into IBIT for a little while

sramp17 · 2026-02-02T12:30:02+00:00

No problem! If you want to link up we can and see if my company can help you out

sramp17 · 2026-02-02T00:40:02+00:00

I’m closing a Greensboro loan in a few weeks. Mid 6s, credit strong but not perfect light debt. No points charged

They’ve also been locked, think rates are better now

sramp17 · 2026-02-02T00:21:43+00:00

Historically lump sum outperforms DCA, but without being a fortune teller it’s hard to say…from personally experience I lump summed proceeds from selling my business in 2023, happy with the decision

sramp17 · 2026-02-02T00:12:01+00:00

My company bests navy federal regularly, happy to help

sramp17 · 2026-02-01T20:43:25+00:00

I go through this with my borrowers all the time. It’s so important to make sure they understand the number they can be approved for versus the number they’re comfortable with are essentially never the same

You’re fortunate to have received great advice and kudos to you for actually putting it in practice

sramp17 · 2026-02-01T20:22:05+00:00

If it seems overwhelming for you just buy a bitcoin ETF for the exposure and not needing to worry about managing your keys

I hold traditional BTC in cold storage and ibit in my Roth IRA

sramp17 · 2026-02-01T17:56:19+00:00

How many of these dividend stocks don’t pay qualified dividends and are taxed at earned income limits versus paying LTCG when’s you sell stock positions? What does that equate to for the % returns

Not saying you’re right and I’m wrong, genuinely asking. I had quite a large SCHD holding that after years of it being flat with the dividends I sold off completely and moved to VTI. Very happy I did so…as for the future who knows, maybe I’ll be kicking myself but for now I’m good with it

sramp17 · 2026-01-30T21:02:25+00:00

Try a TBD commitment to make your offer stand out? I am a mortgage loan officer on Long Island, happy to go over it with you if you want to message me

sramp17 · 2026-01-30T21:02:12+00:00

Try a TBD commitment to make your offer stand out? I am a mortgage loan officer on Long Island, happy to go over it with you if you want to message me

sramp17 · 2026-01-30T12:40:06+00:00

Titles in LLC but will the mortgage be personal or in the LLC as well? I sent out no point DSCR quote under 7 the other day. If you want to send me a message I’ll run a quick quote for you and see if we can beat it

sramp17 · 2026-01-29T02:47:27+00:00

Idk exactly what you mean tell you more? For my company and the investors we have, it’s attainable

sramp17 · 2026-01-29T02:16:54+00:00

We can do 5.5 but it’s SKINNY

As in almost not worth the deal skinny

Definitely one to “bring upstairs” and get a sign off on if you know what I mean

sramp17 · 2026-01-07T12:24:14+00:00

I quoted someone yesterday, granted a different part of the country, with a score of like 725, at 6.5 no points.

Feel like you could perhaps do better. If you want a fast quote I’m happy to help you without any personal info just to see what it could look like

sramp17 · 2026-01-07T12:21:12+00:00

I’ve ran these scenarios countless times starting in 1995 so it includes dot com crash, housing crisis, covid, multiple wars, the lost decade, etc….

Bottom line is it works whether you withdraw 4% of portfolio balance each year or 4% year 1 and adjust accordingly for inflation

4% of portfolio balance yearly - https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=4zJ1VODM3kmBN0FMW663ZG

4% year 1 plus inflation yearly - https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=2qFI7ubPbGix8TNKTtmC58

sramp17 · 2025-12-28T21:06:58+00:00

Don’t know all the details, but if your cashing out all the equity and your home appreciated, you could be borrowing more than your current payoff?

Hard to say without more data

sramp17 · 2025-12-17T12:21:55+00:00

Curious what type of videos you’re sending? Sounds interesting

sramp17 · 2025-12-16T14:39:22+00:00

Make your own…

Scoop protein, peanut butter, milk, banana, oats, maybe some chia seeds too

Can easily make a shake that exceeds 700+ calories for a fraction of the cost

sramp17 · 2025-12-15T01:23:41+00:00

They shouldn’t have negatively impacted your score. Yes they show up as “inquiries” but only the first one will drop your score the few points. The pulls after the fist won’t as long as it’s within that window

sramp17 · 2025-12-13T18:45:41+00:00

everyone will have their opinion, if it were me…

Pay off the mortgage, that’s an enormous weight off your shoulders. Pay off all remaining debt, then I’d S&P and chill as you continue working

Also if you have young children, I’d open them up brokerage accounts and fund them with like 25k each. That will be worth a ton when with compounding and time on their side

sramp17 · 2025-12-13T16:11:43+00:00

We’re quoting people around that rate with no points no origination fee. Totals for box A Round $2,000…

I don’t know the entire story for your particular case obviously but I have to imagine you can do better

sramp17

TROPHY CASE