- November 26, 2023
- Posted by: legaleseblogger
- Category: Related News
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****** just grabbed a
Take some of that $145k in your HYSA (which is a bit much IMO) and pay off the $9,000 student loans.
Your HYSA should only need about 6 months of living expenses. Right now you probably have almost 2 year worth in there.
IÔÇÖd try to max your TSP instead, youÔÇÖre gonna see more growth in the long run by saving it in the stock market.
IÔÇÖd buy a rental property and just keep it. Use it to pay for your kids college and first car and house.
HereÔÇÖs some numbers that probably have hours because I did it in the middle of the night a while ago. Using the va loan the investment would be lower of course. This would be living in the property for a year and then renting it out.
Initial investment-15k for 3.5% down and closing costs
Home value with 2% growth-464k
Cash flow value at $500 a month after 22 years-132k
After 22 years of payments-137k left to pay
Exit options
Sell:Total gain-459k before taxes
332k from sale. 137k from total cash flow
Cash out refinance:Total gain-343k before taxes 211k can be pulled out. 137k total cash flow. Keep property and continue renting it.
Those are all pretend best case before taxes numbers.
A good expectation would be
Sell house:Total gain-336k
266k from sale 70k from cash flow
Cash out refinance: total gain-239k
169k from cash out 70k from cash flow
ItÔÇÖs late so I probably messed something up but this should give you a good understanding. Imagine doing this multiple times.
Are you maxing out your TSP? If not I would increase the amount you invest into the TSP rather than dumping it into an HYSA.
Do you plan on leaving the service or staying for retirement?
u/TKxTk
If you’d like a blueprint, here’s a rough one:
1. If you’re BRS, ensure TSP is at 5% for match. If you’re at more than that, I’d recommend dialing it back to 5%, but that’s just my preference. If you’re thinking about getting out you’ll be very glad you used that extra 5% to build flexibility & peace of mind.
2. Take whatever you need from HYSA to max out Roth for 2023 (Total – $13,000) since you’re already in $VTI that’s a good choice, some exposure to $VXUS would be prudent as well.
3. Consider what your aim is for the 529, what it’s looking like your kiddo will have at 18 is ~$40,000 – 50,000 (that’s a 6-8% return, don’t let someone else quote you at more if you plan on it funding college entirely).
4. Invest $100,000 over the next 12 months from your HYSA into those ETFs, at a 7% return that ends up at over $900k for retirement at 65 vs ~$340k (after tax at 24% with a 5% HYSA). **Future you will** ***really*** **appreciate this.**
Above all, keep up the fantastic saving habits, don’t worry about market fluctuations for now if you can handle it & invest as much of that excess cash as possible. If things go even moderately well over the next three decades (6%) you’ll be sitting pretty.
My point of contention: Avoid the desire to look into “passive income” streams and real estate, I’ve worked with quite a bit of people and real estate is almost never what it’s cracked up to be unless you happen to have lucked into a market that took off. If you talk to people that have made a killing in RE it’s nearly always in markets that have run *really hot* over the past decade like Seattle or Dallas or Nashville or one of the big cities. Not willing to fight about it, I’ve run the numbers, it’s just my 2c, take it or leave it.