Interest is 18%.for a total of 30.5k in debt.current financial status:1k emergency fund.1k in reserves outside of that.6 month plan:I'm going to japan in march with my sister so i'm currently reserving my money to do cool things in japan as it was my personal incentive to get my *** into gear and get my life together.after that trip i'm planning to tackle my debt in order of highest interest rate to lowest interest rate.I believe i can comfortable put 2500 a month into my finances. so i expect to be able to be debt free roughly a year from march.After that: im planning on parking my money into the smp 500 to help it grow until i have enough money for a downpayment on a duplex to a quadplex and doing the houshacking strategy yall talk about.

No one speaks like that, in real life. 

Nailing down a buy box in the area, funding, and having a plan will come out of absorbing a ton of knowledge and narrowing down to what makes the most sense to you, what fits your life, and what fits your goals the best. 

Yes you "pay for convenience" with the build-to-rent REI model, but as a 1st time investor it was an easier path for us to at least get in the game knowing we have kids, jobs, life, etc.

"Soft" Bridge loan from Midwestern Life Insurance Agency.

"Soft" Bridge loan from Midwestern Life Insurance Agency.

But I am ambitious, self driven and a life long learner.

Same thing with Credit cards it can be a life saver and help you build a home or a business.

That's one reason I hang out on BP - most people in my life can't appreciate the level of work it took to get to this level.

There seems to be some slight signs of life in Garland lately, hopefully by spring it's good again!