>>60841179
Definitely missing information, admitted to being financially retarded. Not completely restarted so I can learn. I don't have expectation or desire to retire/die early, don't have a problem with grinding, ultimately I would want to do it for myself not someone else.

The heyday for real estate has gone. Overvaluation and interest rates makes things tough as people are holding what they have, have high asking for the situation if they are selling, people aren't buying. It's also making individual and institutional investors back off though. When interest rates do drop inventory will go up. The first ones will get hits at asking, but eventually it will stall and prices will have to normalize a bit of they'll just sit on the market like they have been.There's, opportunity in every stage of that I think.

I know HYSA isn't investing and I'm not big on the idea of loaning money to banks anyway. Job market is rekt, especially WFH. I'd be making good money if I wasn't where I am, my career pays the same in the Midwest where COL is halved, that's the plan short term anyway. If I put 20% down on a modest house there all said and done I can park six figures in investments. Doubling every 7 in S&P I'd be looking at 15 years before dividends overtake income, assuming no income growth and no contributions. If income is the same let alone grows I can put away a substantial amount and probably cut that down closer to 10. If it grows, as it should, less. I have no interest in speculating with borrowed money, that seems like a really kosher way to get fucked.

I can see that coins are more lucrative, but it's all just speculative from what I know. It only goes up because more people are speculating more, all consumer confidence like markets but with a smaller base that's harder to read. If it never turns a corner everybody is going to get rug pulled and it's just about how fast can you get out and leave someone else holding the bag. Correct me if I'm wrong.