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So, a lot of things that you have said that I think other people may not be super familiar with. You use an FHA loan, which is a federal program that allows you to put only 3. I do want best installment loans online to point out because this is a point of confusion for some people. If you got transferred more than 50 or a hundred miles away, then you could get another FHA loan. Ali:So we finally hit our live for free goal with this house hack. So after you back out reserves and whatnot for that property, in terms of operational costs and savings, we are living for free with this unit. Like Josh said, this property is not in small loan no credit check the same condition that our prior property was in.
So we had a lot of capital improvements on this property. We just ripped out the entire kitchen in our unit, we got some new appliances, we did new cabinets. So we hired a company to do the kitchen, we replaced some of the flooring.
And this was a nice surprise, we knew that some of the windows needed to be replaced, but pretty much all of the windows needed to be replaced. Windows are more expensive than we thought they were.
So that was a really, really good learning opportunity. So really we have kind of hit a pause on debt pay down because we had been using our extra money to stabilize this house and get it in a position where it needs to be. Josh:But I should say though, that in 2021 we have now resumed paying student loans, so yeah.
So we were heavily focused on in beginning- Josh:This is our year, no. This very well could be the year that we become debt-free, which would be really cool. Originally we had shot for like four years to pay off 102,000, this would be like year three. But we now know what happened in like February, March of last year. I think the seasoning period on this is like six or seven months and so depending on where the market is at that point. We may look to refi out of this FHA, put it into a conventional loan product, which then gives us access to another FHA. Scott:Nice, and then I think it will be this boring several year slog to fi after that. So how do you feel about all this now having made this journey and being in your present state?
We did not have the financial knowledge that we have now, our goals and dreams were so different. And we have a lot of work to do, but just in the little over two years of this path, I mean we have completely transformed our lives. And I have to say that like my biggest takeaway with real estate investing, house hacking, the pursuit of fi. I feel like for the first time in my adult life, I am actually dreaming like big dreams, big, scary, exciting dreams. And I think like somewhere along the line people forget to dream. And I could not do anything or I could do this particular business venture, or I could literally.
The world is big and I can go out there and I can do this from Maui, like Brandon. And then what are the implications of that if I sustain that for a couple of years?
But hey, Ali and Josh, where are you putting your money to grow for your future? Besides real estate because you already have real estate, but what percentage of your total financial picture is in real estate, and then what percentage is in anything else? Josh:small loan no credit check Yeah, so right now we are very heavy real estate.
We do have a broker to count with just, you know, VOO and some other boring index funds.
We have no real ambition of having like hundreds of units or anything like small loan no credit check that. And you have to do that at some point before you can build this like ideologically pure FI portfolio. Which you know, so I just want to chime in there and I think this is great. Is we are not looking to be all index funds or all real estate. We want to try to find that fair and balanced approach to it and yeah, Set for Life and Simple Paths, payday loan alternative you know, keep it simple. Ali:Honestly, how much more time do small loan no credit check you have on this podcast, first of all? Like that would be really cool if we started this, not in our late twenties, but our early twenties. Like you get caught and like this very specific niche of the population of like super FI people and stuff and where 30, somehow, becomes really old. You are not going to see a linear progression of your wealth, most likely. When you actually can do that on things that can generate that return.
Mindy:What is your best piece of advice for people who are just starting out? It is not like a smooth sailing, easy road, there are going to be challenges. Josh:Yeah, and I mean, I would absolutely second that. No one in our life, growing up, no one taught this kind of stuff to us. And then just start equipping yourself with knowledge.
And then from there, start connecting with people on Facebook and forums and stuff like that and ask a lot of questions, get a lot of answers and then eventually start answering them yourselves.
So full disclosure, we are not unsecured loans for poor credit like joke telling people. We just try to have conversations and if something funny happens, it does. Scott:That was not where I thought you were going with that. Scott:And I will say, I love your Instagram content and all that kind of stuff. And we actually just did a Facebook live recently on there, that was really fun. Scott:Instagram live, whatever the kids are on these days. Thank you so much, thanks for bearing with us as we went right way long, but I think it was worth every minute. I mean, like I said, this is a dream come true and, I mean, you guys help millions and millions of people every single day. And we are proof of small loan no credit check that, I mean, BiggerPockets in general changed our lives completely.
As much as I would love to hear you continue to tell us how great we are, we will have to say goodbye. But you can call me all the time and tell me how great I am. Yeah, so Josh and Ali, thank you for joining us today.
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And like, I can only imagine if I had a wife at the time, how annoying I would have been to my wife and I was just there. And it was just great and it was like, I just love seeing that dynamic at play. How they worked it out, I think was just so wonderful. Mindy:From episode 167 of the BiggerPockets money podcast, he is Scott Trench and I am Mindy Jensen. Yet we lose countless hours to activities that bring us little joy such as commuting, chores and staring at our phones. What if we could turn these little blocks of unallocated time into precious and rewarding moments for learning and reflection? Founded in 2012 by four friends, Blinkist now connects 6-million readers worldwide to the biggest ideas from bestselling nonfiction via 15-minute audio and text.
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