u/Electrical-Way6820

Quick snapshot:
Gross income: ~$140K
Debt: $19K auto loan. Credit cards paid in full biweekly - strictly for points/travel rewards, zero revolving balance.

• Assets: (~$ 15K split between a HYSA and SGOV
(1-bill EIF). No other signiticant positions yet. $40k in tax advantage accounts (35.5k in my 401k. $4.5k in wife's Roth IRA)

• Rent: $2,200/month. Looking to buy in the $250-275K range this year using a 100% financing product through my bank.

Where I'm at:
Married with an infant(dog). Expenses are covered, we run a monthly surplus, but I haven't been aggressive enough about directing it anywhere intentional. The $15K in savings is a start but | know it's not enough to call a real foundation.

What I'm thinking:

What I'm thinking:

1. Buy the house this year using 100% financing to preserve cash
2. Build a 6-month emergency fund post-close
3. Start a taxable brokerage (VTINXUS) once the house
   is stable
   • Is 100% financing a mistake given my balance sheet?
   • Am I sequencing this right or should debt payoff / saving come before the house?
   • What would you change or attack first?
   I work in finance so I can handle the real talk. Roast it is needed.

For people w/ 401k > $500k

I am 24y/o with $35.5k in my 401k. I feel super behind but have a question for you guys making it to a Million soon. If you could go back in time, would you contribute 15% of your check to 401k or just the employer match. Current employer match is 7%.

My philosophy,

Retire wife early- she is a dental’s hygienist.

Husband accounts - I make $61k/annually
401k

Wife’s accounts - wife makes 81k/annually
Roth IRA - contributing match per years then rolling the rest to brokerage.

Brokerage account. - none just yet.

Interested to see how others done it to get to half a million and what you would change? Any advice would help