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@yorkslad Do you need some outside of that for real estate or other big expenses? If you’re in index funds that don’t produce much income the tax hit doesn’t have to be that great (taxed at capital gains rates). Might be worth carving out some.

@bradwebdev Awesome job! Rockstar! Future you is going to love the discipline you've shown.

@mssonya84 You need to cut lifestyle and burn down your debt. As soon as you can, drop the Tesla and drop to a much cheaper used car. Get rid of the debt and start investing what you can to supplement your teachers pension. There are no simple solutions.

@cbrooks624 Those loans are good news and bad news. Good interest rate but you’re starting out in an extra 25k hole. Getting your debt to zero is a good near term goal. The 16k on a high mileage car is a good place to start. But highest interest rates to lowest once you set aside a small...

@cbrooks624 Where did the money go from the career starter loan?

@matfletch That is pretty impressive though. I’d make sure you do the math on how much vacancy eats your cash flow. At that rent price I’d expect a bit more vacancy and more damage between renters.

@godsplan That’s what it was thinking too. And at 1000 per month you are going to plan for renters turning over every year or two. The spreadsheet is beautiful. Good luck ever finding a property like that.