u/Forded_Fiction24

I've worked hard to get here. Full disclosure I have to give credit to my Wife and parents as well who made this all possible. My wife has been on this journey with me, however her accounts are not represented here other than the house asset/debt we share. She has her own. I moved my Dad into our new house into his own detached in-law suite and he did gift me $200k out of the total home price of ~ $885k. I lost my mom years back now and I wanted to make sure afterwards that he was taken care of and not alone. My mom who was also great and I love, gifted me some of these stocks too and set my dad up to be comfortable financially. He pays nothing towards the mortgage but pays 1/3 of utilities. He also taught me discipline and all I know about finances.

Started investing in 2012. Currently work part-time making $62.35/ hr (~$6k/month gross) when factoring in all my shift differentials (dayshift Sun/Mon) Bought a house in 2015 and just upgraded into our "forever home" about 6 months ago that we're +57% positive equity on our loan with what we paid into principal. I have my 403B, Roth IRA, and 2x brokerage accounts. Had 2 kids somewhere in there and those things are expensive AF, but we figured out how to manage and get here regardless. One day we hope to leave them all of it.

Onward we march

I've worked so hard to get here. Full disclosure I have to give credit to my Wife and parents as well who made this all possible. My wife has been on this journey with me, however her accounts are not represented here other than the house asset/debt we share. She has her own. I moved my Dad into our new house into his own detached in-law suite and he did gift me $200k out of the total home price of ~ $885k. I lost my mom years back now and I wanted to make sure afterwards that he was taken care of and not alone. My mom who was also great and I love, gifted me some of these stocks too and set my dad up to be comfortable financially. He pays nothing towards the mortgage but pays 1/3 of utilities. He also taught me discipline and all I know about finances.

Started investing in 2012. Currently work part-time making $62.35/hr (~$6k/month gross) when factoring in all my shift differentials (dayshift Sun/Mon) Bought a house in 2015 and just upgraded into our "forever home" about 6 months ago that we're +57% positive equity on our loan with what we paid into principal. I have my 403B, Roth IRA, and 2x brokerage accounts. Had 2 kids somewhere in there and those things are expensive AF, but we figured out how to manage and get here regardless. One day we hope to leave them all of it.

Race isn't over. Onward

Instead of only contributing to traditional savings vehicles, I opened a brokerage account dedicated entirely to my kids’ future.(college/help with a house/business/etc) I decided time was on their side and chose to be bold, make mistakes, recover from them if need be and take my chances. I didn't listen to the "Just VOO and chill" crowd and I'm glad.

Now my kids are financially outperforming most adults while they still need help tying their shoes. The best part is knowing this could materially change their future before they’re even adults. 2 kids total splitting this, no more coming and the oldest is 6 with many years of compounding to go. College funded, future secured. The earlier you think about your kids the better chances they'll have