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Financial Independence and Legit Side Money Ideas For Techies and Geeks
Programmers, developers, software engineers, and other tech-savvy geeks are often some of the most financially independent people out there. That’s because they often have the skills to turn their side hustles into legit businesses that can generate significant income. In fact, many of the most successful tech entrepreneurs got their start by developing apps and selling them on popular app stores.

But you don’t need to be a whiz kid to make good money from your technical skills. Even if you’re not interested in starting your own company, there are plenty of opportunities to freelance or consult on projects that can pay well. And with the global economy increasingly reliant on technology, those skills are in high demand. So if you’re looking to boost your income, consider using your geeky talents to earn some extra cash. Who knows, you might just find yourself becoming a millionaire in the process.
This blog is about Clever Questions, Answers, Posts, discussions, links about:
- legit side money ideas
- Financial Independence (FIRE)
- extra cash
- money making online
- bitcoin
- cryptocurrency
- stocks
- NFTs
- options
- entrepreneurship
- legit side hustle
- money making ideas
- money making from home
- bier money
- make money from web scraping
If you’re a programmer, developer, software engineer, geek, or computer scientist, then you know that financial independence is important. After all, who wants to be tied down to a job they hate just because they need the money? The good news is that there are plenty of legitimate side money ideas out there for techies and geeks. Here are just a few:
- Programmers can make money by developing new apps and selling them on app stores like Apple’s App Store or Google Play.
- Developers can create websites or online courses teaching others how to code or use specific software programs.
- Software engineers can offer consulting services to companies who need help designing or improving their systems.
- Geeks can start a blog about their favorite topic (technology, science fiction, gaming, etc.) and make money through advertising or affiliate sales.
- Computer scientists can develop new algorithms or sell their existing ones to companies willing to pay for them.
So if you’re looking for ways to make some extra cash on the side, don’t despair – there are plenty of options out there for you. Do some research and see which one might be the best fit for your skills and interests. With a little effort, you could be well on your way to financial independence in no time!
Making money isn’t that big of a deal especially if a person is determined, The primary cause of poverty is ignorance and nothing else.
It stars with a burning desire to learn and your willingness to practice all you’ve learned and make the mistakes needed in other to get the a greater height, “that is how financial progression is achieved and sustained.”
in the aspect of making money online with a laptop, you can try out the following listed below….
Imagine a 24/7 virtual assistant that never sleeps, always ready to serve customers with instant, accurate responses.
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We combine the power of GIS and AI to deliver instant, actionable intelligence for organizations that rely on real-time data gathering. Our unique solution leverages 🍇 GIS best practices and 🍉 Power Automate for GIS integration to collect field data—texts, photos, and geolocation—seamlessly. Then, through 🍊 Generative AI for image analysis, we deliver immediate insights and recommendations right to your team’s inbox and chat tools.
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- Affiliate Marketing.
- Selling on Amazon, eBay, Etsy, and Craigslist.
- Blogging.
- Niche E-commerce.
- Your Own YouTube Channel.
- Selling E-books.
- Develop Apps.
- Invest/trade cryptocurrency.
To be a master and be really successful in any of the listed, one has to first learn them before anything else goes.
And if you’re interested in cryptocurrency but too Busy and don’t have to time to learn, you can contact me I’ll teach you how a newbie trader can make profit in crypto quickly.
Legit Side Money Ideas on Quora
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- Daily FI discussion thread - Thursday, February 13, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 13, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Turning the boring middle into Fat CoastFIRE?by /u/GrindingForFreedom (Financial Independence / Retire Early) on February 12, 2025 at 12:10 pm
Assume that after over a decade of frugality and investing, your portfolio has finally reached the FU/LeanFIRE/CoastFIRE ballpark; From now on, the portfolio will grow on its own, and additional contributions would not significantly speed up reaching the eventual FIRE target. I'm referring to the latter part of the "boring middle" phase, once you have around 15-20x annual expenses saved (and invested). At this point many people consider going part-time, or making a complete career change to a "barista" job, to increase their quality of life. But how about just FATtening your lifestyle and blowing ALL your disposable monthly income in fun stuff, to make the last working years enjoyable? How awesome it would be to finally enjoy your peak salary for a few years, knowing that you have your safety-net and future set up. Thoughts/experiences on this? submitted by /u/GrindingForFreedom [link] [comments]
- Weekly Self-Promotion Thread - Wednesday, February 12, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 12, 2025 at 10:03 am
Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. submitted by /u/AutoModerator [link] [comments]
- Daily FI discussion thread - Wednesday, February 12, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 12, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Looking for a sanity check on my FI plans and timline. M 35, $1.7m in savingsby /u/ArchtypeZero (Financial Independence / Retire Early) on February 12, 2025 at 2:29 am
I'll open this post the same way that a few others here have done.. yeah it can read as a humble-brag, but it's really a plea for a sanity check on the state of things as this is all unchartred territory for me. Me: 35 M, working in IT Total Comp: ~$450k, break-down: $280k base ~$120k bonus $65k in RSUs, 3 year vesting schedule. I sell all vested shares as they come. The unvested is funny money until they vest, in my eyes. My savings: Around $1,220,000 in Vanguard, spread between various indexes. About 65% VTI the rest spread across other indexes. No individual stocks. About $10,000 in Crypto. Around $515,000 in retirement accounts. Most of this is in my company 401k. The rest is in Roth IRA that I've been doing Backdoor Roth/Mega Backdoor into since my company allows post-tax 401k contributions. My current savings contributions: Maxing out 401k every year. That'll be $23,500 this year in 2025. Maxing out Roth IRA via backdoor roth. $7,000 expected going in for 2025. Still fuzzy on the math for the Mega-backdoor Roth, but I'm planning on contributing ~$50,000 in post-tax into the after-tax 401k and converting to a Roth IRA. When my bonus hits and RSUs vest, I typically put around $100k of that into indexes. Every week I auto-transfer $600 into Vanguard to auto-buy into VTI. That should total me up to saving around $212,900 a year. Living Situation: Married. Wife is 36F and has a base income of $190k, but gets about a $5-10k bonus. She has her own 401k and brokerage accounts. About $800k total on them throughout there, but I don't have the exact spread. From day one of dating/sharing expenses we've been very "equal" in terms of finances. We have a shared checking account where shared expenses come out of, and we have our own accounts that are our own businesses. Depending on how early one of us retires (likely me first, given the income disparity) we'll still keep equal contributions to shared expenses. I'll probably just be picking up more house chores and such. No kids. No plans of kids. Already got the snip. If kids happen something went terribly wrong lol My spending: I wrote this up with very broad numbers, opting to over-shoot reality. Most of these numbers are assuming I'm picking up the whole tab, while in reality some of these get cut in half since they're paid out of our shared accounts. Item Monthly Budget Yearly Budget Home Taxes and Maintenance $ 2,000 $ 24,000 Health Insurance $ 1,000 $ 12,000 Guilt-Free Spending Budget $ 1,000 $ 12,000 Yearly Big Vacation $ 833 $ 10,000 Gas/Heat/Electricity $ 500 $ 6,000 Food $ 500 $ 6,000 Eating Out $ 400 $ 4,800 Cell Phone (Family) $ 250 $ 3,000 Internet $ 150 $ 1,800 Streaming Services $ 100 $ 1,200 Fuel $ 100 $ 1,200 Vehicle Registrations $ 25 $ 300 This totals up to $82,300. So after all that.. here's where I'm at. I've gone thorugh the depths of trying to model this using Excel, now I'm onto ao fancy Juptyer Notebook with sliders and charts and tables that project the growth vs withdrawal rate. The tricky part is that I have a significant amount of money in tax-deferred accounts, or at least accounts that I can't touch until I hit retirement age without a penalty. I don't see any online calculators that do this type of modeling for you. Those accounts will still be there, and they'll still grow over time, but likely at a different rate (more conversatvie on the 401k/IRA/etc. vs the brokerage accounts). I don't trust my numbers though. I'm doing projections with assuming a 2% inflation rate, 5% brokerage growth rate, 4% retirement account growth rate and if I'm not entirely off in my math - I should be able to call it quits by age 40 at the current trajectory, and that's not accounting for Social Security and the pension from work. It alll feels too good to be true though. I'm thinking of other things to work into the spending table - emergency fund replenishment, hitting the max out-of-pocket for health insurance (never hit this, but my parents definitely do), new car every 10-ish years? What else could I be missing? submitted by /u/ArchtypeZero [link] [comments]
- 119K salary- should I cut retirement contributions to save for house?by /u/RusticTurkey (Financial Independence / Retire Early) on February 11, 2025 at 7:04 pm
I’m a 29-year-old making $119k. I’ve recently felt like I can’t make much progress toward saving toward a downpayment for a house. I don’t pay a ton for rent ($1170/mo) and don’t have any debt (paid off car, no student loans). I’m wondering if I’m saving too much toward retirement. Between my employer and my person contributions, I’m saving around 26.7% of my gross pay toward retirement (see breakdown below). I feel like I’m behind on my financial/life goals (one of which is owning a house) and am wondering if it’s prudent to reduce my retirement savings in order to save more aggressively for a downpayment on a house. Appreciate any and all insight! Accounts 403b/401k: $45K Roth IRA: $35K HYSA: $20K Retirement Contributions Overall, 26.7% (8.15% employer, 18.57% me) of my gross income is going toward retirement. Employer contributions (direct contribution- contributed irrespective of my contribution) (Total = 8.15% of gross salary) $9,700/year My contributions (Total= $22,100/year = 18.57% of gross salary) Post-tax Roth IRA ($7000/year) Pre-tax 403b ($10,800/year) Pre-tax HSA ($4,300/year) submitted by /u/RusticTurkey [link] [comments]
- Realized Long Term Capital Gains pre-FIREby /u/z3r0demize (Financial Independence / Retire Early) on February 11, 2025 at 3:02 pm
I've been leaning towards realizing capital gains before FIREing in order to reduce AGI for ACA purposes post FIRE up to the 15% LTCG limit. So id be "pre-paying" taxes at a probably non optimal way in terms of minimizing lifetime taxes paid. I'm thinking it's worth it long term to give us more flexibility moving forward, in case we need to withdraw in retirement more without having to increase AGI significantly. We could likely stay under 200% FPL even if we withdraw/spend 100k yearly and doing Roth conversions. This would likely add 6 months - 1 year of working, but save a lot of effort down the road. Though the downside of mine is that we'd get taxed more due to living in California. Thoughts on this approach? submitted by /u/z3r0demize [link] [comments]
- Daily FI discussion thread - Tuesday, February 11, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 11, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Hello FI folks - was wondering if someone can check my assumptions / math and see if I'm dramatically messing anything up hereby /u/shoe7525 (Financial Independence / Retire Early) on February 10, 2025 at 10:53 pm
Hi everyone - here is the Google Doc that I use to model my FIRE scenario for my family. When I look at the document, it gives me a reasonable level of confidence that (as long as we're also keeping an eye on things and adjusting as we go) that the plan as shown has a good chance of working. Again - as noted below - this is not a foolproof plan - this is more of a plan that *can* work in good market etc. conditions, and would have to be modified & adjusted as we go if not. Two main pieces of feedback I would really appreciate: Have I made any glaring errors that blow up the fundamental conclusions the document reaches? If no glaring errors, what do folks think of this as modeled? How comfortable would you feel? Some notes on the Google Doc: Our situation: We have two kids (1 & 3) and own a home that is currently valued at $2M in a HCOL area. I make around $500k/year, but it's in tech, and it's a fairly uncertain industry right now imo. Wife is SAHM right now. This sheet models retiring in ~18 years, when the kids are out of the house, and still working but just at a much lower salary - maybe teaching or something. I have in the past been like "let me die with 10M!" but now... I don't care as much. I think if were 85 years old & realized we were spending too much, we could just cut it back... and I'd rather live now & be around my kids than guarantee wealth 50 years from now. Some more details: Life Situation: 35, married, two kids (1 & 3). Live in Seattle, WA. FIRE Progress: 1.75M in savings, currently. Gross Salary/Wages: Most recent tax year was ~$500K Yearly Savings Amounts: I put the max towards my 401K & HSA every year, and also invest any additional money we have left over into our brokerage account. Current expenses: $10K/month mortgage; $~12k/month in other expenses This is admittedly quite high - things are extremely expensive in the Seattle area, and we have recently had two young kids which has seemed to really increase our expenses (not shocking I know). We don't really do anything flashy or crazy, but we eat out a decent amount and travel a few time a year to visit family (pretty non-negotiable). Liabilities: Main one is the mortgage - $1.63M remaining on it at a 4.8% interest rate submitted by /u/shoe7525 [link] [comments]
- How to Move on From Financial Advisor to DIYby /u/camerongillette (Financial Independence / Retire Early) on February 10, 2025 at 10:42 pm
Hey fam, I've been using a financial advisor through Facet wealth for a while and it's gone fine. But I want to explore doing it all myself. What specific funds/companies/things should I do to replace the funds I have with them. I have a -Roth IRA -SEP IRA -Savings account for future Home Purchase -Work 401k I need to transfer in -Will need an additional Roth IRA for new wife Thank you so much guys 🙂 submitted by /u/camerongillette [link] [comments]
- Can I Retire Early in Europe With My Rental Properties? Need Advice!by /u/More_Relief_5197 (Financial Independence / Retire Early) on February 10, 2025 at 5:47 pm
Hey everyone, I’m looking for some honest feedback on my situation. I’m in my mid-30s (almost 36) and debating the possibility of retiring early (or semi-retiring) in Italy within the next year or two. I have two properties in the U.S. (Las Vegas area) and some student loan debt. Here’s the breakdown: Property 1: Fourplex Purchased: Winter 2020 for $395,000 (FHA) Mortgage Balance: $343,000 at 2.625% (incredible rate, I know!) Current Value: Approximately $650,000 Total Monthly Mortgage (PITI): $2,256 Additional Expenses (maintenance, home warranty, etc.): $530/mo Current Rents: 3 units @ $1,275 each 1 unit @ $1,156 The rents have not been increased lately and can be increased to $1350 now and around $1375/$1400 by the time I want to "retire." Net Cash Flow: Currently, around $2,200/month (before I set aside reserves for big repairs). It would be closer to $2500 after rental increases. The building was built in the 70s, and I run into occasional HVAC issues, so I try to keep an extra reserve. Otherwise, it’s a pretty steady income stream. I have a maintenance person who I've worked with since buying the property who is very reliable and does fantastic work. Property 2: Single-Family Home Purchased: Q1 2021 for roughly $205,000 (conventional loan, co-purchased with parent due to occupancy requirements) Mortgage Balance: $180,000 at 2.99% Current Value: Around $330,000 Monthly Mortgage (PITI): $1,100 Additional Expenses: $200/month Current Occupant: My dad lives there, and he pays the mortgage plus half of the maintenance (~$100). He owns other property but prefers to stay in Vegas at the moment. Net Cash Flow: Essentially breakeven for me right now, but could be rented out in the future at market rates (likely around $1,600–$1,800/month if I weren’t renting to family which could provide another $300-$500). Other Financial Details Student Loans: Around $140,000 total, on an income-based repayment plan with about $1,600/month in payments. Current Job Income: $185,000/year ($165k base + $20k bonus). Credit Score: ~740 Monthly Rent Where I Live Now: $2,700 (I currently live outside of Vegas in a HCOL area) Goal: Potentially move to Italy in a couple of years and live on the rental income (and any other streams) without working a 9-to-5. I need around $2800 per month to qualify for the country's retirement visa or $4,000/month to live objectively well. I currently live in a very expensive city and realize that despite my high income, almost all of my money goes to paying bills to be able to afford to live here. I've lived and traveled in Europe before and know that I could live a much higher quality of life for a fraction of the price. I chose Italy because I am somewhat fluent in the language and love the culture but I am aware that there are other countries in Europe that are potentially even cheaper, such as Greece and Spain. Additional Context: I recently bought a cheap house there which I am going to renovate so I wouldn't have a mortgage or rent payment if I were to move there. The average salary (post-tax) is around $1500 in the area where I bought the house. Right now, if I were to rent both properties, the total net income would be around $2,800/mo, which would be enough to qualify for the retirement visa. Another option would be to "Barista FIRE" and work in my field (in the tech industry) as a contract worker on short assignments and spend about 4-5 months per year in Italy when not on a contract job. I am currently saving money to cover home renovations in Italy and to build a savings that would allow me to have a suitable financial cushion for vacancies (3 months) or major repairs (e.g., HVAC). Questions/Concerns Cash Flow vs. Student Loans: Should I aggressively pay down the student loans (6–7% interest) before making any move or just allow the loans to be reduced to a lower income-based repayment option? Savings for Vacancies & Major Repairs: How much should I set aside to handle things like HVAC replacements or longer vacancy periods? General Thoughts: Is this a good idea overall - relying on these two properties for income overseas - or should I consider a different approach? Any and all advice is welcome: personal experiences, numbers, how to handle the student loan vs. mortgage trade-off, or any other advice. Thanks in advance for your thoughts! submitted by /u/More_Relief_5197 [link] [comments]
- Reached 40 and $1MM. Gut check?by /u/Key_Signal_6755 (Financial Independence / Retire Early) on February 10, 2025 at 2:56 pm
40F, project manager, $100K salary, single, no kids, renter (current preference for location independence) Started investing at 28 with the goal of Coast FIRE by 40. Set up a conservative allocation and aggressively socked money away. Here's where I stand: 401(k) (Voya, 2050 target fund) (Current job): $29,044.94 401(k) (Fidelity, 2050 target fund) (Old job): $201,615.16 Pension (Old job): $39,202.63 Roth IRA (Vanguard 100% VFIFX): $132,702.53 Brokerage (Vanguard 95% VFIAX, 2.5% VBTLX, 2.5% VTIAX): $240,448.17 Cash (Ally HYSA): $481,096.27 Goals are: Let everything continue to grow Keep working full-time for the next ~10 years then re-evaluate early retirement or part-time work Minimize tax burden (now and/or later) Keep a relatively simple, passive management strategy Keep a relatively high amount liquid — not optimal for returns but I like the psychological safety and am open to stashing elsewhere than the HYSA Maybe buy a condo/house in the next ~10 years for myself and potentially for side income (duplex or roommate) Expenses are ~$2k rent (varies when I move), $1.5-$2k general living expenses (no car) Stopped automatic brokerage investments a few years ago, now just max out the Roth and employer 401(k)s ($7k and $23k for 2024 respectively), and occasionally contribute to the HYSA Thoughts? Advice on where to go from here? (Edited after posting with more details) submitted by /u/Key_Signal_6755 [link] [comments]
- Daily FI discussion thread - Monday, February 10, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 10, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- 31 - $3M NW, Constantly Mentally Torturedby /u/AwayNature5865 (Financial Independence / Retire Early) on February 10, 2025 at 6:11 am
This is not a humble brag. Actually its a bit more of therapy in a way but I'm hoping some people can relate. I'll put the juicy assets at the end. TLDR: Made my money through obscene amounts of risk and luck that were, in hindsight, skill but at the time were lucky. Constantly worried that I may never experience that luck again and haunted by every mistake I ever made. Where I am mentally screwed up is that I am continually haunted by my mistakes and missteps in getting to my current net worth. I always think about how much more I could have had if I didn't make certain bad investments, bad plays, sells, and so on. The list of assets is nothing compared to the mistakes I made to get it and I constantly feel like throwing up whenever I see what could have been, whether those are companies I sold out of too early or bad investments. I made my $ by saying "fuck conventional wisdom, let me manage my portfolio" and learned everything about business, valuation, etc. Yes I have a CFA license I got on my own but I am an engineer by trade. It was an obscene amount of luck and greed at the right times. On some level I want to enjoy my life. On the other, I cant let go of what has made me successful and its torturing me like a bad relationship. Constantly feeling like its never enough I grew up relatively poor and have excellent saving habits. I even lived in a car for the first 2 years of my career to save rent. The random noise and harassment sucks. Constantly optimizing my spending I managed to figure out that if I moved closer to work, I wouldn't have to pay for a car, it cuts out time for the commute, etc. So I did. I still meal prep, even though the extra $100 savings or so per week doesn't matter as much. I forego lots of dinners with friends because I feel like I need the extra $25. Saving even 60% of my post tax income doesn't move my net worth by much anymore. Some people might say that its good for habits and yes I agree. But I can't stand the idea of $200k growing at market rate when I'm capable of beating the market. I will still save it regardless: I'm not going to blow it on stupid shit. I considered taking the plunge, quitting, and opening up my own hedge fund But I can't stand the idea of losing other people's money. My own mistakes haunt me. Every money move I make feels like a mistake and it just sucks that its working out in my favor. Open to DMs if people want to talk Assets: Brokerage: $1.4M - 50% in a single stock. Rest are 5-7% bets. CAGR has beaten the market. No unprofitable crap companies, crypto, or derivatives in portfolio. I put the money into 2 stocks and through obscene amounts of luck and leverage, I managed to become a millionaire before 26. I run a portfolio of 6 stocks. Don't tell me to sell and diversify. Its this 6 stock diversity that is probably killing my returns atm. The sum total of my investing mistakes outside of this probably is about $300k, ontop of whatever I could have had if I didn't buy a house. House 1: $200k equity, $580k debt @ 3% interest. Rent = expenses. HCOL House 2: $700k equity, $750k debt @ 2.6% interest. Rent > expenses. HCOL I sold a block of stock (it killed me to do it, I hated it with every fiber of my being) to buy a house in 2020/2021 right before the housing market failed to price in the new 0% interest rates. If I didn't sell the stock I would have maybe an additional $300k NW. Retirement accounts: $600k - Index funds Income: $400k - SWE submitted by /u/AwayNature5865 [link] [comments]
- 35M, $185K Income, Realistic Plan to Retire early? Looking for Advice!by /u/Unlikely_Conflict980 (Financial Independence / Retire Early) on February 9, 2025 at 4:24 pm
Hey everyone, Looking for some opinions on my current real estate portfolio and my plan for retirement. I’m 35M, my spouse is 31F, and we live in Nevada. I work in the dental field and make about $185K W2. My spouse saves about $25K/year, and I can save about $70K/year. We have about $160K in the stock market and a total net worth of ~$450K (including equity in homes). No kids yet, but we’re planning for them in 2-3 years. Current Portfolio: 1 Primary Residence (Nevada) ◦ Value: $430K ◦ Equity: $105K ◦ Interest Rate: 2.625% ◦ Payment: $1,860/month 2 First Rental – North Las Vegas, NV (Bought 2024, Townhouse) ◦ Value: $360K ◦ Equity: $65K ◦ Interest Rate: 7.99% ◦ Payment (incl. HOA): $2,880/month ◦ Rent: $1,995/month ◦ Strategy: Bought for appreciation in a growing area. Thinking of transferring to a Nevada LLC—good idea or unnecessary? 3 First Multifamily – Indianapolis (Bought Jan 2025, Duplex in Bates-Hendricks) ◦ Value: $430K ◦ Equity: $105K ◦ Interest Rate: 7.625% ◦ Payment: $2,882/month ◦ Rent: One unit leased at $1,676, other currently vacant but should rent at similar or higher ◦ Ownership: Bought under an Indianapolis LLC All rentals are managed by a property manager (9% fee). I currently have different insurance companies for each rental—should I consolidate into one policy for cost savings? Plan to Retire by 45 – Does This Seem Realistic? • For the next 5 years (until 40), I plan to buy 1-2 multifamily properties per year in the Midwest with 25% down, ideally priced between $200K-$400K each. • At 40, shift strategy to aggressively paying off properties over 5 years (40-45). Possibly sell any that appreciated well to help pay off remainder. • By 45, the goal is to live off rental cash flow and switch to part-time work in my field. Questions: 1 How am I doing at my age? Am I on track? 2 Does my plan sound realistic, or should I tweak my approach? 3 Best rental markets right now for long-term appreciation + cash flow? 4 Would transferring my NV rental to an LLC be beneficial or overcomplicating things? 5 Would consolidating insurance policies for all rentals make sense to save money? 6 Any other strategies I should consider to hit my goal faster? Would love to hear your feedback and experiences! Thanks in advance. submitted by /u/Unlikely_Conflict980 [link] [comments]
- Daily FI discussion thread - Sunday, February 09, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 9, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Fire number for family of 4 in South Bay areaby /u/coolred2022 (Financial Independence / Retire Early) on February 9, 2025 at 1:25 am
Husband, wife both 40+ 2 kids, both less than 7 years old Location: South Bay and that doesn't mean insanely expensive areas like San Francisco. Rather think more like San Jose which have a good mix of expensive and not so expensive pockets. What would be a FIRE $ amount for such a case? I know a lot depends on lifestyle but assuming X dollars per year as a current expense, is it possible to come with a Y number that is required for FIRE ? Also, what is the average FIRE number for such a case. It would be nice to have a few categories into which one can consider falling into. Like one category would be kids going to private school vs one going to public schools. Also, some consideration should be given to reduced expenses with age (reduced eating out and reduced travel) vs increased medical expenses with age etc. If there is any such analysis or just personal FIRE stories (like how you made FIRE happen with XYZ assets), please do share. submitted by /u/coolred2022 [link] [comments]
- Daily FI discussion thread - Saturday, February 08, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 8, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- 3 Years of Spreadsheet Net Worth Trackingby /u/TilleroftheFields (Financial Independence / Retire Early) on February 8, 2025 at 6:02 am
Screenshot of my Net Worth Spreadsheet I have been using since March, 2022. I just want to give a shoutout to u/BloomingFinances for her amazing google sheet template. Over time I have slowly modified my spreadsheet so it looks slightly different than the original template. I had been using Mint to track my net worth since 2019 when it was around -$15k. When I first started this spreadsheet I was four years out of college and my NW was 73k. At first, it felt silly to only have a month of data logged. But here I am 3 years later with a great look back at my financial independence journey over the years. I switched to a spreadsheet to have better control over some things that Mint could not account for (vesting schedules, accounts it could not communicate with, etc.). I still use Mint (now Credit Karma) to track my account values each month, which I log into my spreadsheet. Initially I dreaded starting my own spreadsheet for budget and net worth tracking. The idea of updating it every month with income, expenses, and account values seemed daunting. I did miss a few months of data along the way, e.g. I didn't update the spreadsheet for 6 months from December 2023 to May 2024. I added these months back in by interpolating between account values at the dates I had data for. I am sharing my spreadsheet story in hopes it inspires others to make a spreadsheet for their budget and net worth tracking. It really does help, and now I find myself looking forward to updating my spreadsheet each month. submitted by /u/TilleroftheFields [link] [comments]
- Daily FI discussion thread - Friday, February 07, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 7, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Graduation Giftsby /u/Grayirie (Financial Independence / Retire Early) on February 6, 2025 at 3:54 pm
My wife coaches a high school team and I've already been told about getting invited to Graduation parties. So, started to think about that and looking back, I wish someone would have handed me either Rich Dad Poor Dad or Set for Life. I'm making it a point to give one or the other to each of them. Two questions, What do you think would connect/be easier to digest with 18-year-old between Rich Dad Poor Dad or Set for Life and your reasons for picking? Anyone have any ideas where to go to possibly get a discount for buying in bulk? If you have any other options, please share. submitted by /u/Grayirie [link] [comments]
- Methods to reduce MAGIby /u/demobeta (Financial Independence / Retire Early) on February 6, 2025 at 1:50 pm
Mostly directed at those in FIRE but could be educational for all as they make the FIRE journey for planning. This is intended to create a list of methods that help reduce your (M)AGI. More specifically, I want to collect strategies that can be used to manage income levels to aid in taking advantage of ACA benefits, but generally can help anyone. A few I am aware of: Tax loss harvesting at year end Contribute to an IRA (kick the can on taxes) - perhaps the best method to manage to a specific MAGI at year end? Use HSA and "cash in" on HSA from past medical expenses that did not use HSA dollars These strategies should be beyond the "stop working, don't realize gains..." and more exact methods to get precision when it comes to a final, year end income number that will be taxed. submitted by /u/demobeta [link] [comments]
- Daily FI discussion thread - Thursday, February 06, 2025by /u/AutoModerator (Financial Independence / Retire Early) on February 6, 2025 at 10:03 am
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]
- Company switched from Vanguard to Fidelity, opening HSAby /u/ramrod155 (Financial Independence / Retire Early) on February 5, 2025 at 6:28 pm
Hey all, I'm very unfamiliar with Fidelities investment options. With Vanguard I am 70% VTI & 30% VXUS. I'm opening up an HSA with fidelity, what are some options that are equivalent to VTI & VXUS? TIA! submitted by /u/ramrod155 [link] [comments]
- FIRE Earlier or Have One of Us Stay Homeby /u/mysterychick1689 (Financial Independence / Retire Early) on February 5, 2025 at 5:59 pm
My husband (26M) and I (27F) are at a bit of a crossroads. We are both engineers with a HHI of ~175k-180k in a medium-low cost of living area. The salary difference between us is negligible but his benefits are better (FED). We are at the point where we could start having kids if we want. We have a nice 4 bedroom house that we bought in 2023 on a 15 year mortgage at 6.25%. We bought at $293k and have ~155k remaining. Zillow says the current value is somewhere around the $315k mark. We realize that fully maxing out all of our tax advantaged accounts is mathematically better, but we value the flexibility of being mortgage free a lot due to family commitments. That being said, we are still contributing a significant proportion to tax advantaged accounts. My Traditional 401K: current balance $106k/94k vested, 5% match, 15% contribution, 2 years into a 6 year vesting schedule My Roth IRA: $39k, maxed for tax year 2025 His Roth TSP: $48k, 15% contribution His Traditional Roth TSP match: $19k, 5% His FERS pension: 4.4% contribution, no clue what the $ payout would be if he left right now but he needs at least 10 years to claim it as a limited pension and has about 5. He can only take the full pension at MRA, 57 and a half. If we don’t have kids with the next 4 years, I should have around $300K in my retirement accounts and we should have the house paid off. Assuming a 7% return, I should have about 1.5M in our late 50s without additional contributions, not including my husband’s retirement. With no mortgage payment, I could easily stay home with kids and live on just his income if we wanted. I grew up with a stay at home mom, and I worry that I won’t get enough time with my kids when they’re younger if I keep working. My husband grew up with two working parents, but his mom was a teacher and could spend the summers with them. If we have kids now, it will cost us about $20k per kid a year at least in childcare. I’d like at least 2 kids. However, continuing to work would allow us to FIRE much younger, probably late 30s/40s. FIREing early would reduce the benefits of his pension compared to retiring at MRA. Does anyone have advice on the value of having someone stay home on their FIRE journey? Will the kids appreciate having more financial flexibility in their later years compared to caring for them when they’re younger? submitted by /u/mysterychick1689 [link] [comments]
- 5 Year Milestone (28, $215k NW)by /u/rough_draught_ (Financial Independence / Retire Early) on February 5, 2025 at 2:16 pm
Just turned 28 and decided to reflect on my past few years to give myself some motivation to keep going. All financial knowledge is stuff I’ve gleaned from skimming this sub over the years. Background: I graduated with an engineering degree (non software or compsci related) December 2019. No student debt thanks to awesome parents. Terrible time to be job hunting but I managed to secure a job in the Spring of 2020. 2020 Salary: $68k Roth IRA: $2k HYSA: $3.5k Total Net Worth: $5.5k Got married. Partner had no debts. Received an inheritance of $12k from my grandmother; that plus Covid stimulus check money went immediately towards a down payment on a home in a MCOL city. Home purchase price: $315k with 2.6% 30 year loan, which obviously was an extremely lucky purchase in multiple ways. 2021 Salary: $76.5k (switched to a new company) Roth IRA: $12k HYSA: $9k 401k: $8k (new company offers 8% match) Total Net Worth: $29k 2022 Salary: $83.6k (COL adjustment) Roth IRA: $24k HYSA: $10k 401k: $20k Total Net Worth: $54k 2023 Salary: $95.8k (promoted) Roth IRA: $21k HYSA: $10k 401k: $29k HSA: $1k (newly offered by company) Total Net Worth: $61k 2024 Salary: $98.5k (COL adjustment) Roth IRA: $36k HYSA: $20k 401k: $52k HSA: $2.3k Total Net Worth: $110.3k 2025 Salary: $106.4k (promoted) Roth IRA: $53k HYSA: $52k (started throwing money here rather than let it sit in a checking account) 401k: $77k HSA: $6k Checking Acct: $27k Total Net Worth: $215k Additional items: Home Equity: $315k - $155k paid = $160k outstanding Vehicles: partner and I both have <10 year old cars, both paid off and still in good condition. Partner and I have no intentions to be parents. Monthly Expenses I’m lucky to have hobbies that are primarily free (reading library books, writing, walking/hiking). Here’s a breakdown of other monthly expenses. I don't keep a budget so much as diligently track my expenses and make sure I'm not deviating too far from the average. Table below contains my monthly averages over the last 2 years. Items with an asterisk are household totals (me+partner), otherwise they are only my personal expenses. Type of Expense Monthly Avg. Mortgage* $3,696.21 Internet* $70.93 Subscriptions* $18.84 Phone * $80.83 Utilities* $190.52 Gas Bill* $42.86 Gas/Car Maintenance $113.68 Groceries* $306.48 Dining Out $179.91 Material Items $141.20 Entertainment $39.59 Medical $72.49 Pet Stuff $78.12 Gifts $48.30 Travel $62.01 Miscellaneous, Unplanned One Time Expenses $362.40 Final Thoughts & Musings: I recently opened a brokerage account with the goal of having less money sitting idle in a checking account (notwithstanding the current "state of the economy"). The field I work in has extremely good job security and work-life balance, but the nature of the work itself is very high stress, which has led to burn out. The idea of continuing the grind for another 20+ years is intimidating, but seems to be the only realistic path to achieving FIRE. For now, I'll be keeping with the status quo. Any advice or questions welcome. submitted by /u/rough_draught_ [link] [comments]
- 2024 Year in Review and 2025 Goalsby /u/therapistfi (Financial Independence / Retire Early) on December 26, 2024 at 2:31 am
As 2024 draws to a close, many of us are doing our final checks of our spreadsheets/RIP to Mint/Monarch/Personal Capital/pivot tables/abacus calculations and reflect. Please use this thread to report anything you want - whether it be a massive success, reaching a mini-milestone, actually accomplishing your goals from last year, or even just doing nothing while time does the work for you (for those of us in the 'boring middle' part). We want to hear about all that 2024 did for you - both FI related and personally as well. After reflecting on the past, we also want to look towards the future. What are you looking for in the new year (or even decade) - what are your goals and aspirations that will help guide you this coming year. Are you looking to finally max our your retirement accounts, get a 529 going for your kid, nearing that next comma, becoming completely worthless, or finally hitting your number and cashing in all the GFY's you can get? Here is a link to past threads- thanks again to u/Colorsmayfadeintime for the links. 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 submitted by /u/therapistfi [link] [comments]
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List of Freely available programming books - What is the single most influential book every Programmers should read
- Bjarne Stroustrup - The C++ Programming Language
- Brian W. Kernighan, Rob Pike - The Practice of Programming
- Donald Knuth - The Art of Computer Programming
- Ellen Ullman - Close to the Machine
- Ellis Horowitz - Fundamentals of Computer Algorithms
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- Agile Software Development, Principles, Patterns, and Practices by Robert C. Martin
- Domain Driven Designs by Eric Evans
- The Design of Everyday Things by Donald Norman
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- Best Software Writing I by Joel Spolsky
- The Practice of Programming by Kernighan and Pike
- Pragmatic Thinking and Learning: Refactor Your Wetware by Andy Hunt
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- The C++ Programming Language (3rd edition) by Stroustrup
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- Computer Systems - A Programmer's Perspective
- Agile Principles, Patterns, and Practices in C# by Robert C. Martin
- Growing Object-Oriented Software, Guided by Tests
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- Advanced Programming in the UNIX Environment by W. Richard Stevens
- Hackers and Painters: Big Ideas from the Computer Age
- The Soul of a New Machine by Tracy Kidder
- CLR via C# by Jeffrey Richter
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- Design Patterns in C# by Steve Metsker
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- About Face - The Essentials of Interaction Design
- Here Comes Everybody: The Power of Organizing Without Organizations by Clay Shirky
- The Tao of Programming
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- Object-Oriented Analysis and Design with Applications by Grady Booch
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- Measles outbreak in Texas was "completely preventable," infectious disease expert saysby /u/CBSnews on February 13, 2025 at 3:42 pm
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- U.S. investors, Big Pharma race to find new medicines in Chinaby /u/snakkerdudaniel on February 13, 2025 at 2:49 pm
submitted by /u/snakkerdudaniel [link] [comments]
Today I Learned (TIL) You learn something new every day; what did you learn today? Submit interesting and specific facts about something that you just found out here.
- TIL that Nazi general Erwin Rommel was allowed to take cyanide after being implicated in a plot to kill Hitler. To maintain morale, the Nazis gave him a state funeral and falsely claimed he died from war injuries.by /u/mvincen95 on February 13, 2025 at 3:33 pm
submitted by /u/mvincen95 [link] [comments]
- TIL about Richard Sakakida, an American spy operating in the Philippines before the attack on Pearl Harbor, who spied on the Japanese community in Manila before he was captured after the fall of Corregidor. During his capture, he was tortured and eventually led a jailbreak of about 500 prisoners.by /u/fireatjaps2 on February 13, 2025 at 3:32 pm
submitted by /u/fireatjaps2 [link] [comments]
- TIL the founder of North Face, Douglas Tompkins, was killed in 2015 in a kayaking accident while traveling with long time friend Patagonia founder Yvon Chouinard, in Patagonia, Chile.by /u/mvincen95 on February 13, 2025 at 3:25 pm
submitted by /u/mvincen95 [link] [comments]
- TIL that GameBoy and GameBoy Color cartridges have a watch battery inside of them to power the chip for savefiles.by /u/Dorsai_Erynus on February 13, 2025 at 2:30 pm
submitted by /u/Dorsai_Erynus [link] [comments]
- TIL about the All-American Basketball Alliance, a white-only basketball league proposed in 2010 by boxing promoter Don Lewis. After being decried by mayors and colleges in the cities where teams were proposed, as well as by national media figures, the idea was abandoned.by /u/a3poify on February 13, 2025 at 1:46 pm
submitted by /u/a3poify [link] [comments]
Reddit Science This community is a place to share and discuss new scientific research. Read about the latest advances in astronomy, biology, medicine, physics, social science, and more. Find and submit new publications and popular science coverage of current research.
- Stress of Eviction or Housing Loss Linked to Child Mental Health Issues, Study Findsby /u/EffectiveAffect on February 13, 2025 at 3:44 pm
submitted by /u/EffectiveAffect [link] [comments]
- Study suggests sex can provide relationship satisfaction boost that lasts longer than just act itself. Positive “afterglow” of sex can linger for at least 24 hours, especially when sex is a mutual decision or initiated by one partner, while sexual rejection creates negative effect for several days.by /u/mvea on February 13, 2025 at 1:54 pm
submitted by /u/mvea [link] [comments]
- Researchers have successfully grown bioengineered teeth in pigs using a combination of human and pig cells | While the science is still in its early stages, the findings could one day lead to a future where you could have your missing teeth replaced with biological dentition.by /u/chrisdh79 on February 13, 2025 at 1:30 pm
submitted by /u/chrisdh79 [link] [comments]
- Researchers find cancer's 'off-grid' power supply and how to cut it | Researchers have discovered a particular type of cancer cell that relies on its own biological electric utility. Disrupting the utility with the help of a puffer fish showed a breakthrough way to fight the tumors in mice.by /u/chrisdh79 on February 13, 2025 at 12:28 pm
submitted by /u/chrisdh79 [link] [comments]
- Blood test paves the way for better heart attack preventionby /u/uniofreading on February 13, 2025 at 11:19 am
submitted by /u/uniofreading [link] [comments]
Reddit Sports Sports News and Highlights from the NFL, NBA, NHL, MLB, MLS, and leagues around the world.
- 18 year-old promising Chinese footballer, Guo Jiaxuan, left ‘brain-dead’ after being hit in the head by another player’s knee during a training campby /u/ModenaR on February 13, 2025 at 3:47 pm
submitted by /u/ModenaR [link] [comments]
- Arne Slot: What happens after Liverpool manager was shown a red card?by /u/Fatimamohammadi_ on February 13, 2025 at 2:38 pm
submitted by /u/Fatimamohammadi_ [link] [comments]
- FA Cup to use semi-automated offsides for first timeby /u/renome on February 13, 2025 at 2:17 pm
submitted by /u/renome [link] [comments]
- Up to 3 years in prison for attempt to blackmail Michael Schumacher’s family for $15.6M following convictionsby /u/Oldtimer_2 on February 13, 2025 at 2:06 pm
submitted by /u/Oldtimer_2 [link] [comments]
- TIL that sports analyst, Stephen A. Smith, has a recurring role as “Brick” on the daytime soap opera, General Hospital, playing a surveillance expert for a mob kingpin.by /u/Major-Tuddy on February 13, 2025 at 1:20 pm
submitted by /u/Major-Tuddy [link] [comments]