I’m curious if I should get started investing , Or wait.

[Jaden Clayton]

Hi! I was curious on everyone’s thoughts and advice.

I’m currently 20 Years old , 21 next month.

Im looking to invest into real estate but wanted to know if now is the right time or if I should wait financially.

Income : 35,000 / yr

I plan to switch careers in 2026 and become a Semi-Truck driver increasing my W-2 Income to 100,000+

Liabilities : Car payment 395/month (13,500 still owed)

Credit cards: 0

Savings: 40,000

Roth Ira : 18,000

401k : 2,000

Looking in my local area I would be able get a 3bed 2 bath for less 150,000 (with some work needed)

Estimated rents for 3bed 2bath would be 1350

My biggest question is should I wait until Mid 2026 when I’m making a lot more at my W-2 to have more to invest / reserves.

Or just keep my eye open, if the right deal pops up jump on it.

I also live with my parents still so my expenses are essentially just my car, food, and Phone bill.

Thanks !