.* Try to wholesale the property my friend is getting rid of in Gainesville FL (I am not good at wholesaling)* Pay down bad debt by $10K this year (old credit card debt)* Fractionally roll over 25% of my SDIRA and my wife's SDIRA from a Traditional IRA into a Roth IRA (because income taxes will be going up soon!)

.- Engineer based CSS is usually expensive for SFR’s and properties under 1Mil, and IMO, not cost effective – but there are DIY solutions that provide solid alternative for a fraction of the cost (look into KBKG.com – they have a good tool for a very decent price + tutorials, once you get hang of the principle and how to use their calculators, it takes 20min to complete a CSS report) – and that’s the path I recommend. - If you’ll be able to take advantage of the big initial depreciation to shift taxes (to count it against your W2 income) depends on several factors – if your AGI less than 100K, and prorated up to 150K; your profession or if you or your wife can qualify as real estate professional, your documentation – if you maintain contemporaneous logs, etc.).

Pretend you don't have that money and only use a fraction of it.