Advice to your 20 year old self

[Raul Sorto]

Hope this post finds you well. As I sit here at my J-O-B sharing my first post to the bigger pockets family, I would like to get some feedback/ direction. So a little back story about me, I'm 20 years young from the small country of El Salvador. Due to my citizenship status I was unable to receive my scholarship to play soccer. (Fast forward my personal sob story) as a young ambitious man, I began to look around and think about my future. I was blessed to travel the U.S and meet many wealthy individuals from all walks of life. I soon came to realize that most so called "successful" people in my eyes protected their wealth in real estate. So I have been doing my research, reading and learning as much as I can about investing, looking around for the niche that fits my situation. But I feel like I have really been overthinking this. I have been selling cars for about a year and half now and I have an average credit score in the mid 700s. I have never finaced a home. However, my father has wanted to put me on the existing loan with him on our house.(Due to the fact that I handle our finaces and his language barrier) with some major upgrades done to the house, we have a little bit of equity in the home and our lender has talked to us about digging into our line of credit. With rates going up and the way the economy stands, do you all think it would be best for me to pull out a loan and purchase another home while renting this primary one out. Or should I invest in my own future and avoid risking my fathers biggest investment. Potentially look for a small duplex/ quad, live in one and rent out the rest (as a buy & hold) potentially to college students with parents as cosigners of course or should I focus on raising capital while this tipping point boils down and prices drop some before I decide to go in? Maybe look at wholesaling or probate deals? As you can see I'm really really focused on my future, I'm just at a standstill in life selling cars everyday and I feel as if I'm not progressing. Thank you for reading and feel free to leave your thoughts! P.S If you are investor in the greater Atlanta area willing to spend some time with me, I will gladly buy you lunch. Blessings to all