45 years old, tradeworker $60k/yr, single income with a 38yo housewife. House & acreage worth $425k we owe $150k. land loan is $75k over 13 years at 1.5%. 3b2ba2ca stick built foundation house is $75k at 5.12% over 27 years.

land/house mortgage is our only debt. began investing in late 2015. $86k Roth is mostly VTSAX, VIG and similar broad market funds. there is some VSS, VXUS as well as some long-proven individual stocks. buy and hold strategy. bought first house in suburbs 2004. paid it off 2019, saved and invested for 3 years, then sold suburban house 2023 and rolled into new homestead construction loan.

Rate my path, Anon.