Need advice on how I’m doing?
402k Brokerage
352k. 403b
2.2 MM rental properties
1.6 home value owe 575k @ 3%
40k liquid cash
113k State retirement (pension)
1-residential lot owe 108k
1-commercial lot owe 204k
Car loan 50k
39M SINK LCOL- Job is very secure and I view the pension as my saving grace, but the catch is I have to work until 62 to get full benefits. Also waiting to age 62 would gain me the 90% average of my 3 highest years salary. Have a side business I run and a day job. Day job is how I have access to state pension. Side business along with rentals and day job gross about 500k from all 3 combined. I’m planning on getting married and having children in the next 2-3 years. Also plan to develop both lots I have with the commercial lot being a small subdivision ( should net a nice profit from this) and residential lot for a larger future family home. Is there anything that I’ve overlooked or could perhaps do better? My plan is to payoff auto and land loans in the next 2 years. Grew up fairly poor, single mother, but didn’t know it until I went to private school and saw what wealth actually looks like. Siblings and family members aren’t doing quite as well so this is really the only venue I can share this type of stuff with and hopefully get constructive feedback. Unknown factors to consider; aging parent whom I’ll most likely have to provide care for at some point although she does have fairly decent resources of her own. And the costs of children plus inflation.