Local product is cheap since no import tariff.  

With that said, choosing your bank based on customer service relationships and business credit products should be a priority. if you’re looking for a bank that offers great service and lower wire fees, I’d suggest starting with NFCU.

You've got time on your side at age 29, so you can definitely retire earlier.

Reason being is that it allows you to invest in other products other than they offer, so that's why they don't promote these . 

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

I invest in real estate as a "side-hustle." 

Buying a tiny home offers several compelling benefits.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Listen to Wale Lawal above.You'll be getting offers and off-market deals from everyone and their sister.

What I did get, was on a marketing email list that sells their other virtual products.