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WantToRetireSomeday commented on
Posted by
1 point · 6 minutes ago

In our HOA we have a specific deed restriction that says we cannot rent or lease out less than the whole property. What does yours say?

WantToRetireSomeday commented on
Posted by
1 point · 1 day ago

Do NOT use a settlement payout company. You will get pennies on the dollar.

You could setup a trust as another poster suggested.

Setup a checking account at one of the large investment companies (Schwab, Fidelity, Vanguard, etc). Call them and talk to them about automatic investment. Most have the equivalent of a 3 fund portfolio they would put you into. Once you have an emergency fund built up in that checking account, setup automatic transfers from the checking to the investment account monthly. Then setup automatic investment.

WantToRetireSomeday commented on
Posted by
9 points · 1 day ago

Yep. And in order to avoid any issues in the next 2 months regarding money, ask if he could come up with the money up front.

Also, be very clear with any ‘rules’ you may have up front. Parties? Overnight guests? Rules around use of the kitchen / food? Parking?

WantToRetireSomeday commented on
Posted by
Comment deleted by user2 days ago
1 point · 2 days ago

Investor.gov has a nice calculator to tell you how much you need to invest.

You need to know: Starting balance Monthly contribution amount Expected return & variance range And time you have to let it grow

WantToRetireSomeday commented on
Posted by
10 points · 2 days ago

It’s math using historical returns versus emotional investments. Do what feels good.

WantToRetireSomeday commented on
Posted by
1 point · 3 days ago

You will lose. And owe interest on those fines.

They can enforce the rules however they see fit. Just like every other law enforcement agency in the world.

Op0 points · 3 days ago

And just like the others, a power trip of enforcement with no requirement to help or serve. Our HOA doesn't do anything for our neighborhood except keep the common grass mowed. We have a small lake with a dirt track, so when it rains, you can't even fucking use it. Fees keep going up, though. We're enclosed by two other neighborhoods, so there is no chance of adding anything to our community. I wonder what we're paying for.

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1 point · 2 days ago

If you are so against it… move.

WantToRetireSomeday commented on
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Posted by
2 points · 5 days ago

Short answer is, YES. You can contribute the full $3700. You can then contribute another $2300 assuming you make at least another $1150, and have $2300 to contribute.

This is all contingent upon your AGI for the year. Will you make more than $120k?

Op1 point · 5 days ago

Sadly, no I will not be making more than $120k. This is all I will be making on a W2 wage. I have savings though so I will contribute the full $4,894.

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0 points · 4 days ago

I am assuming you are pretty young? If so, good on you for getting started early. Something I wish I had done.

WantToRetireSomeday commented on
Posted by
2 points · 5 days ago

Best possibility, buy a premium economy seat and try to use points to upgrade. Chance of there being a biz class seat for award now, essentially zero.

Op0 points · 5 days ago

Premium economy is around 1k How many points do you think I’ll need to have to upgrade ?

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2 points · 5 days ago

Call Singapore airlines. I really don’t know. It could be 40k per person, or 140k.

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WantToRetireSomeday

u/WantToRetireSomeday · 8y
-50k Net worth @ 35 years old Considering early retirement in 2026 (at 52) Account Types: Taxable Investment; Roth IRA; Rollover IRA; Futures & Options, Yieldstreet, HSA, 401(k)
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