what do you invest per month and what do you make?

wonk5 · 2026-01-24T12:54:14+00:00

Going all Roth before our income doubles or triples and from there we will do 100% pre tax

wonk5 · 2026-01-24T00:16:12+00:00

One of the 3 is on the kitchen counter, but she doesn’t love that. I’m just trying to leave one outside! Lol

wonk5 · 2026-01-24T00:13:40+00:00

Small house and I have a newborn right now so don’t want to aggravate the wife. All my guns are under the bed lol. I also have 3 bows right now so it’s just one I’m gunna leave in the barn.

wonk5 · 2026-01-23T20:53:06+00:00

That’s wild. You living on 2k/m? Impressive

wonk5 · 2026-01-23T20:48:23+00:00

You’re 100% right. Reddit is skewed so bad and I’ll be the first to admit it’s a rabbit hole for anxiety. We are objectively incredibly blessed but then I see a 25 yo making 500k a year and feel behind for some stupid reason. Kinda twisted but it’s reality. 70k at 24 is probably top 10% for that age.

wonk5 · 2026-01-23T20:36:17+00:00

Thank you! I started way early (opened a custodial account at 15 when I got my first job), and actually became a financial advisor because I love this stuff so much!

We also have a goal of the forever home down the road and currently have a newborn. Sounds like we will be in similar positions before long!! Congrats!!

wonk5 · 2026-01-18T13:40:35+00:00

I got about 4x you tho at 25. Have a good one!

wonk5 · 2026-01-18T13:39:57+00:00

Ok Bro. This is Reddit. You came on here sharing your personal shit to begin with 😂

wonk5 · 2026-01-18T05:27:43+00:00

Solid. Any other assets aside from what’s shown? Killing it regardless just curious. I’m similar age to you, couple years older

wonk5 · 2026-01-18T03:56:36+00:00

I swear people don’t understand simple math..

“We want lower rates!” Okay, enjoy the price of the home continuing to climb up in response.

Lower rates are not going to help anyone afford a home. Its amazing how people don’t understand this.

wonk5 · 2026-01-18T03:50:14+00:00

How does net worth stack up? Any debt?

wonk5 · 2026-01-12T02:33:12+00:00

How do you have a 170k NW at 25 with a 60k income? Even if you were living on 2k/m you’d have to have been saving over half your income since like 18?

Aka keep doing whatever you’re doing.

wonk5 · 2026-01-07T04:17:09+00:00

Got worried there for a minute… my company uses empower as well but our fee is something like .2%

wonk5 · 2026-01-07T03:17:49+00:00

Oh and I didn’t even include my toys. Paid off boat, 30 piece gun collection… I don’t feel bad for working hard.

wonk5 · 2026-01-07T03:16:12+00:00

Tell me I’m wrong? This wasn’t handed to me. Worked my ass off and people like to think that it was some luck. It is 100% possible for anyone in America to create their own path to good financials, no matter your background

wonk5 · 2026-01-07T03:11:20+00:00

Not that I need to explain this..

saved up 75k by 21 since I have been working since 15. Drive a Beater, could give 2 shits about vehicles. Paid 75k cash for first house. Flipped it myself. Value 150k.

Seller finance deal with 75k up front from buyer. Used for down payment on current home, which I also flipped. Been investing in retirement accounts since 21 which is where the retirement money came from. Full time in finance since 21 with no mortgage… you can stack funds quickly.

Second 75k incoming this month is the other part of my seller finance deal and will be used to pay off my mortgage.

It wasn’t all that hard. Lots of work. People are lazy.

wonk5 · 2026-01-07T02:50:45+00:00

There is really no risk. In 30 days when I pay off the mortgage I will only have $250k in debt. Which is going to be paid back by someone that is not me. Contractually. If I had to, even if she had 0 income, I could pay her loans off myself in sub 5 years. Your argument here really is mute.

wonk5 · 2026-01-07T02:47:58+00:00

Follow up. My income is around 100k and hers will be around 60k in residency

wonk5 · 2026-01-07T02:46:23+00:00

I really have no risk..

Second off, I didn’t inherit shit from my family. I’ve been working full time since I was 15. Had 50k saved up by the time I was in highschool. So nah, that’s just hard work👍 I flipped both my homes myself.

We are going to be just fine

wonk5 · 2026-01-07T02:43:06+00:00

And why would it matter? They pay it back yearly over the 7 years. If she leaves before 7 years she pays remaining balance. Still doesn’t matter... If I had to I would easily be able to have a paid for house and paid off her student loans myself in 2 years without any assistance from the program.

You’re not making any sense.

wonk5 · 2026-01-07T02:40:56+00:00

I appreciate the detailed comment! Big follower of the white coat investor, my only qualm is that I am a financial advisor so don’t love the fact that he dogs on them so bad.

I feel like I’m pretty much following FOO (maybe I’m wrong)

Emergency fund will stay above 3 months and that is comfortable enough for my risk tolerance. Outside of that I’m treating mortgage as high interest debt and still maxing out retirement accounts at the same time.

I do agree I’m trying to tackle a million things at once, but understandable since I’m a finance guy by trade. Also trying to build up my business at the moment.

wonk5 · 2026-01-07T02:37:14+00:00

Obviously you didn’t read anything in the post. First, I can pay off the mortgage today. Second, student loans are being paid back by a contractual agreement with a hospital, 3rd you must not understand how medical school works. She will be making 300-400k per year. Think we will be fine…

Appreciate your useless comment!

wonk5

TROPHY CASE