Newbie here from Memphis, TN longer read, but I would love some advice/input. I will start working with my doctorate in physical therapy in November. My family of 4 plans on using an FHA 203K loan to BRRR house hack a duplex as our first "home" when our lease is up in May. Our strategy is long term buy and hold. We have $6K for our emergency fund and $20K for a down payment saved up. We have mid 700's credit score. I've looked into using the Tennessee down payment assistance program and it seems as though we would qualify, which would be nice to keep the $20K saved for down payment and invest in another rental property. We plan on living in the duplex for 1-2 years then live in flip a SFH for 2 years to either sell or keep as a rental and continue the live in flip a SFH method until we reach financial independence, which for us is $4K per month. We will be able to save $20-25K a year. My plan is to contribute to my future companies 401k to their match point probably around 6% leaving $16-21K left to save for investments. We plan to open a traditional IRA for both my wife and I, which will allow us to put in $11K a year and invest the remaining $5K or $6,650 into a self directed health savings account (HSA). My wife is self-employed, although very minimal income so we plan to open a solo 401K and rollover the traditional IRA funds into it. This will allow us to invest all of our tax free savings each year, besides company 401K into buy and hold real estate.