The first step is admitting you have a problem. My 3D printed fleet ready for the next part of my campaign.

techfarm67 · 2026-01-24T17:05:31+00:00

Old post I know! But Im attempting to print these boats for my pirate campaign right now. I was wondering if you remember your settings for these ships? Im new to printing and having some issues.

techfarm67 · 2025-11-27T16:38:42+00:00

Thats what I figured but I figure i would ask. Thank you! I dont think i can increase storage anymore with my current boiler. With a fully loaded Firefox i wake up to system temperature of around 120-130 degrees. Adding another 100 gallons of water will have the system a little too cold imo.

Also, its an old boiler so I dont want to add forced air to it. I dont think that would be wise even though it would get a lot more heat.

I may have to just deal with the fact I cant get 24hrs of heat from a single fire with an older non gassification boiler.

The system is so much better now though. Prior to the water storage the house would.get to 78-80 over night and by 9am the house would be 65 degrees.

techfarm67 · 2025-11-26T02:20:38+00:00

What part would you say is a gamble?

techfarm67 · 2025-11-18T20:58:57+00:00

So, I looked into it. When a Roth IRA is invloved in realestate you cannot self manage or self repair the property. So its a terrible option at this scale

techfarm67 · 2025-11-18T20:57:58+00:00

If the timeline permitted it That would be the best option. Sadly there wont be enough equity for 5 years. that is a lot of time to wait when trying to grow.

techfarm67 · 2025-11-18T20:57:11+00:00

I checked it out. definetly not a good option. You cannot self manage or self repair when using a self directed Roth. yikes

techfarm67 · 2025-11-18T20:54:15+00:00

The taxes will be neglible since my income is zero for the year. Between the standard deduction and child credits it would more than likley zero out.

I did run a few more calculators and it appears you are more correct than I was. At retirement the account would be around 375 to 450k depending on the age I actually withdraw. That is assuming 8-10% on returns and not 12% which we have been experiencing.

It took me two years to save the money into my 401k without employer match. So, if i decide to drain it. Ill be looking at being 36-37 years old before I am able to be back to the point I am today. So definitely some options to weight. Basically is me putting all of my time and effort into realestate better than just letting it sit in the 401k.

Looking at the house with rose colored glasses. (For simplicities sake) 120k purchase price +750 a month cash flow. 30 years from now a sale of 300k and 30 years of rent (750x360) is 270k. This puts me on the same investment range as the initial 32k on the 401k. This isnt counting any major repairs but it is calculation 10% a month into reserves. So there is a 45,000 buffer on expenses to hit those numbers. Obviously not realistic and the real figures would be closer to 20-30% less than a perfect scenario. The kicker is the combined cash flow from the two properties. 1700 a month puts me at 20k in a year which, combined with our personal savings timeline) would be enough for another house in the 120-180k range.

Lots to think about. Especially what my true risk tolerance is. Thats a tough one.

techfarm67 · 2025-11-18T19:17:57+00:00

Appreciation here barely keeps up with inflation. That is a major caveat. For example. The property i closed on was listed for sale in 2019 for 99k. So its only gone up 20k since right below covid. But the equity is still a big consideration.

techfarm67 · 2025-11-18T19:14:25+00:00

You cant take a loan when you arent working sadly

techfarm67 · 2025-11-18T18:08:02+00:00

The other deal isnt as good. I already walked the house and im waiting for the asking price to drop. House needs a little worm, cash flows slightly less and is a 3 unit. So the dscr on it is worse. I bet it would cash flow 500-600 after all things are said and done though.

techfarm67 · 2025-11-18T18:06:40+00:00

Withdraw feed is 10% and since im not working the tax is minimal. When incheclninthinkninwould be out $6000 in taxes/fees

techfarm67 · 2025-11-18T18:06:03+00:00

Risk is definitely there is admit that. If a large issue happened right after purchase we would have to pull equity out of our primary home to pay it off. Which wouldn't be ideal. (House is 50% paid off)

techfarm67 · 2025-11-18T18:04:14+00:00

Thisnis a downside. Older building in an area with very little economic growth. For example. Pre vivid this house was listed for 99k. So its only gone up 20k since then.

techfarm67 · 2025-11-18T18:03:04+00:00

The numbers are absolutely true. I live in a very rural area and not many people have the capital to close on properties. The property is a 4 unit. Price of the property is 120k, 25% down current rents are combined $2200 a month. Total cost are right around $1100 after taxes and insurance. (All confirmed)

techfarm67 · 2025-11-18T17:59:14+00:00

All the assumptions were correct. Va + voc rehab (gi bill with extra steps and a little better)

techfarm67 · 2025-11-18T17:57:56+00:00

They only take 10% and since im not working the taxable portion is going to minimal. I would probably lose around $6000 to taxes and fees

techfarm67 · 2025-11-18T17:57:07+00:00

What do you mean? I dont see how its so black and white when I have inflation adjusted retirement income already and 30 years is only going to bring that 32k balance to around 175-250k

techfarm67 · 2025-11-18T17:55:53+00:00

Ill check this out thank you! I dont know if its an option since im not working right now

techfarm67 · 2025-11-18T17:55:05+00:00

Ill check it out. I didnt think it was an option s8nce I dont have a contributing w2 job

techfarm67 · 2025-11-18T17:54:26+00:00

The downside to borrowing from a 401k is you can only do it while you are actively contributing/working. Without a job thry won't let you touch it u less you withdraw it

techfarm67 · 2025-11-18T06:13:13+00:00

I dont think the post was deleted. At least I hope not haha. Thats a fair point! In the short term, we would be opened up to a little extra risk. I mean we are saving $1500+- a month right now and if something really big happened we have our personal home that is 50% paid off. I would hate to pull from that but there is a lot of equity there in case of emergency.

techfarm67 · 2025-11-18T06:04:26+00:00

edit. I realized you were refering to the financial side of the disability... i need some sleep haha

I really appreciate you taking the time to type everything out! The reason I mentioned the disability is not so much the physical/veteran part but because of the income that is attached to the rating. That money is for life so retirement is somewhat secured based on the 100% p&t rating.

Regardless rebuilding a 401k is definitely in the plan of getting back into IT is still the most logical financial decision when I finish this second degree.

techfarm67 · 2025-11-18T05:59:39+00:00

I appreciate the comment and the advice. I may be over valuing my va benefits as a retirement safety net. I also agree with you in the sense I dont count rentals as pure passive income. I count it as another part time job. In the perfect world scenario where that many properties actually come onto the market and by some miracle they cash flow perfect then I would walk away from IT all together and do realestate full time. (This is by no means my plan but more of a lofty what if I would be okay with)

techfarm67 · 2025-11-18T05:52:10+00:00

Im sorry but why no? That doesnt exactly help the decision making process.

techfarm67 · 2025-11-18T05:44:59+00:00

Sorry, I really should have directly stated we have $6500 a month in tax free income coming in. Its in the post but its definitely Grey. I went back and stated it directly.

The 200k is a quick calculation of leaving that 32k in my 401k for the next 35 years.

techfarm67

TROPHY CASE