They could help on if LLC is needed, help change funds over to a self-directed IRA for investment purposes etc.

Maybe take out a 401k loan or take out $ from a Roth IRA if you have one.

The passive side then has two paths; truly passive (fund investing or private lending) and actively passive (buying a few notes a year in your IRA and performing your own due diligence). 

If one owned a single member LLC within their Roth IRA, and that entity invested exclusively in real estate, tax liens and debt instruments, would it not be acceptable to simply incorporate "grammar school" like accounting (how much IN versus how much Out).

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.The site has quite a few tools that can be helpful for new members.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

(working on increasing this)Spending about 1k a month and saving everything else.Have about 70k total saved no debt. (5k roth IRA, 21k Target date fund and the rest is in checking/savings accounts.)Credit Score is 792 (No missed/late payments solely credit cards no loan history) Available credit is 28k.

You should take advantage of these benefits to build savings.Whether you contribute beyond what your employer matches is a different discussion that you should have with a licensed financial planner (not a stock sales agent or an internet forum).Keep in mind, once you change jobs you can move the savings you have accumulated in a 401(k) into a self-directed IRA and put that tax-sheltered money into productive assets such as real estate and private lending.