How should I prepare to buy a house next May?

Looking for advice on how to position myself to buy another home when my lease ends in May.

I’m 29 and work in sales. I made $165k last year and am on pace for \~$200k this year. Income varies from \~$10k on a bad month, \~$16k average, and up to \~$27k on a great month.

Before this job I made \~$56k and accumulated \~$36k in credit card debt. I’ve paid almost all of it off and have \~$6,600 left. $4,500 is 0% until December 2026 and \~$2k is 0% until June 2027.

Current finances:
$11k savings
$22.2k employer 401(k)
$30k Roth IRA
$8k Traditional IRA
$6k taxable investments
$5,700 in my 5-year-old son’s UGMA, contributing $35/week

Monthly obligations:
$2,300 rent
$680 Tesla payment (\~$39k remaining)
$1,100 mortgage on an existing property, currently covered by a family friend
\~$400/month car insurance for two cars

Girlfriend is in her 2nd year of medical school, so we’re currently single-income.

I have access to a VA loan, so I could potentially buy with 0% down.

My goal is to buy around May without overextending myself and keeping my other house.

If you were in my shoes, how would you approach the next 9 months?

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u/No_Stand_7453 — 9 hours ago
▲ 444 r/short

5'4 AM who has dated successfully in both Europe and the US. AMA

I’m an Asian male who lived in England from 18–21 and have lived in the US since. I’ve had pretty good experiences dating in both places, so I figured I’d share my perspective for other Asian guys who may be struggling with dating or just curious about what my experience has been like.

I was in the military from 18–24, so I wasn’t exactly making a lot of money during the years when I was dating the most. I only started making around $200k last year, so money wasn’t really a factor in my earlier dating experiences.

While I lived in England, I used dating apps pretty heavily. I’d match with women, make plans, and sometimes use those connections to travel around Europe. I’d hop on a cheap Ryanair flight, meet someone, stay with them, and basically turn it into an inexpensive vacation. It was honestly a pretty fun way to experience Europe.

I also dated in the US and, personally, I found the American dating market significantly easier. Before my current job, I had an employer who paid me to travel to cities near major college campuses, which gave me a lot of opportunities to meet people. I found American women generally easier to approach and have conversations with, and dating felt more straightforward to me.

I’ve also noticed that being successful with women has had much less to do with money than I originally thought. Confidence, being social, taking care of yourself, having your own life and actually being willing to approach women have made a much bigger difference for me.

I’ve since grown out of the hookup phase and have been in a committed relationship with my girlfriend for the past three years. She’s 26 and currently in medical school, and she’s someone I genuinely want to build a life with.

I’m not claiming that my experience is universal or that there’s some secret formula for Asian men to become successful with women. I just know that I used to hear a lot of negative things about Asian men and dating, and my own experience has been very different. If sharing what worked for me can help another Asian guy become more confident or improve his dating life, I’m happy to do that.

For context, the first picture is my child’s mother, who I was previously married to. The other pictures are my most recent ex-girlfriend and my current partner.
AMA.

u/No_Stand_7453 — 4 days ago

5’4 AM who has dated successfully in both Europe and the US. AMA

I’m an Asian male who lived in England from 18–21 and have lived in the US since. I’ve had pretty good experiences dating in both places, so I figured I’d share my perspective for other Asian guys who may be struggling with dating or just curious about what my experience has been like.

I was in the military from 18–24, so I wasn’t exactly making a lot of money during the years when I was dating the most. I only started making around $200k last year, so money wasn’t really a factor in my earlier dating experiences.

While I lived in England, I used dating apps pretty heavily. I’d match with women, make plans, and sometimes use those connections to travel around Europe. I’d hop on a cheap Ryanair flight, meet someone, stay with them, and basically turn it into an inexpensive vacation. It was honestly a pretty fun way to experience Europe.

I also dated in the US and, personally, I found the American dating market significantly easier. Before my current job, I had an employer who paid me to travel to cities near major college campuses, which gave me a lot of opportunities to meet people. I found American women generally easier to approach and have conversations with, and dating felt more straightforward to me.

I’ve also noticed that being successful with women has had much less to do with money than I originally thought. Confidence, being social, taking care of yourself, having your own life and actually being willing to approach women have made a much bigger difference for me.

I’ve since grown out of the hookup phase and have been in a committed relationship with my girlfriend for the past three years. She’s 26 and currently in medical school, and she’s someone I genuinely want to build a life with.

I’m not claiming that my experience is universal or that there’s some secret formula for Asian men to become successful with women. I just know that I used to hear a lot of negative things about Asian men and dating, and my own experience has been very different. If sharing what worked for me can help another Asian guy become more confident or improve his dating life, I’m happy to do that.

For context, the first picture is my child’s mother, who I was previously married to. The other pictures are my most recent ex-girlfriend and my current partner.
AMA.

u/No_Stand_7453 — 5 days ago

29M, Went From $56K to $200K in Sales — How Do I Actually Get Better at Saving?

I started a sales job last year and made about $165K in 9 months. So far this year, I’ve already made another $165K. My income is commission-based, so my pretax paychecks can range anywhere from roughly $10K to $27K.

Before this job, I was making around $56K. During that time, I accumulated about $35K in credit card debt, which wiped out most of my investments.
Fast forward to now:
• $14K in savings
• \~$10K remaining in credit card debt, with most of it at 0% interest until the end of the year
• \~$60K in my 401(k)
• \~$6K in stocks, which I started investing in again a few months ago
• $1,100 mortgage on my old home, which I currently rent out
• $2,400 rent for the place I currently live
• $670 car payment
• \~$1,200/month in daycare

• My girlfriend is in her second year of medical school, so she currently isn’t bringing in an income
• We have a child together

Financially, I don’t really feel stressed anymore, which is a huge change from where I was a few years ago. However, I feel like I’m still doing a pretty poor job of actually saving and building wealth relative to how much I’m making.

My girlfriend and I also eat out pretty often with our kid. We generally eat pretty healthy, so it’s not really fast food. We just enjoy going out to restaurants, and I know that’s probably one area where we could cut back.

I don’t want to fall into the trap of simply increasing my lifestyle every time my income increases.

For people who have gone through a similar jump in income, what did you do differently to actually start building wealth?

Would you prioritize paying off the remaining credit card debt, building a larger emergency fund, maxing out retirement accounts, investing in a brokerage, or some combination?

I’m looking for practical advice on how to handle a high but inconsistent commission income.

Thanks for reading!

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u/No_Stand_7453 — 7 days ago
▲ 408 r/amwf

My baby mama, my ex and my girlfriend. I think I have a type lol.

u/No_Stand_7453 — 8 days ago