All Forum Posts by: Keir Johnson

@Seth Hochberg @Joe Norman @Tawanda Thomas thank you all for taking the time to reply to me, I really appreciate it.  Taking your advice, yes I have my numbers and understand the difference now is going to be a lot of turn downs but I'm hoping I'll make it through on one, thanks again!  

Long time lurker on here, finally getting motivated to make moves.  I almost bought back in 2019 but held off, endured through Covid now emerging to see the lay of the land.  I know that property values are way up and if you buy a fixer upper materials and labor are in short supply.  That being said, anyone familiar with NE Baltimore specifically from Lauraville through Hamilton and Parkville?  Are all the 2-4 unit places still going for way over asking, should I keep waiting?  

Looking to connect with people in the same position I am or more experienced investors, thanks for your input.    

I'm a W-2, gig economy worker in TV. I've been doing this about 15 years, I'm 40 years old. 90% of my income is W-2 the other 10% is 1099. I have been doing a Roth IRA for about 4 years and I opened a regular brokerage account as well. I make somewhere between 50-100K every year.

I'm worried that I'm not putting enough away for retirement. I did some research and I can't do a solo 401K or a SEP IRA because my income is W-2 and my employer's don't offer any kind of retirement plans. I also can't do a HSA because I have regular health insurance not a high deductible plan. I have all my retirement money in both IRA and brokerage in VTSAX, no bonds yet. It still feels lacking compared to other people my age, I'd like to diversify and also get outside of the stock market too (fundrise, roofstock, etc)

Do I have any other options for preparing myself for the future?  I have money set aside for buying a house in the next couple years, otherwise no other financial plans other than trying to cover myself in 20 years when I'll retire.    

Any advice, thanks!