u/OnlyZookeepergame578
r/HomeInspections r/HomeMaintenance r/homeowners r/Home r/AskContractors r/drywall r/HENRYfinance r/ModernFamilyFinance r/MoneyDiariesACTIVE r/ToyotaSienna
▲ 22 r/HENRYfinance
Which is a better move for HHI of $750k?
I’m getting different takes depending on whether I pose this to Gemini, Claude, etc. so I’ll ask here for advice.
Details:
- Late 30s with multiple kids
- HCOL area
- Work in tech at more stable company (you know if you’re not at one for sure, but even stable ones can change course)
- Liquid NW of $1.5 million
- HHI of about $750k
- Bought a house with good public schools
- Owe 900k on the mortgage at 5.625%
Goals:
- Outside of our mortgage payments, we spend about $120K per year
- Want to pay the costs of our kids to attend public universities
- Also want to provide some support towards weddings and housing down payments; I’d rather give with a warm hand instead of having them inherit all the money when we die
- Across the bullet points above and using some back of the napkin math like the 4% rule, I think we need about $4 million
One decision we’ve been wrestling over is how much to put towards our brokerage account vs the mortgage. To be clear: We put about $100k in various tax advantaged accounts every year and will continue to do so. But for money left over beyond that I’m not sure what we should do.
I know Vanguard and others are predicting low stock market returns moving forward. I’m assuming about 3% real.
Leaning towards the mortgage because it is a defensive play. All we need to do now is not mess things up. Reducing liabilities will help us financially survive regardless of what happens in the market or economy.
u/OnlyZookeepergame578 — 5 days ago
▲ 21 r/ToyotaSienna
What should I pick up before getting my new Sienna….
Picking up my new Sienna platinum on Friday.
Already got 3W floor mats.
What other after market stuff do I need before picking her up?
2 kids 😅
u/OnlyZookeepergame578 — 2 months ago
Halfmoon shape defects in ceiling
I have a 2009 home in the Pacific Northwest.
I noticed these 4 half moon or crescent shaped defects in an exterior wall on the inside of our home:
They are roughly 16 inches apart, which makes me believe these are the joints. They are hard to the touch and I don’t see staining. But I’m worried because this is an exterior wall and the bathroom is right above where they are (though the drains for the shower and toilet are not this close to a the exterior).
We’ve been in the house 6 months. Not sure if these are new or we just missed them.
Any thoughts on what’s going on and why these are shaped this way? Should I have a professional come take a look? I believe in prevention of further problems whenever possible.
u/OnlyZookeepergame578 — 2 months ago
▲ 15 r/ToyotaSienna
What are my essentials for keeping my Sienna nice?
My 2026 platinum just arrived and I’m stoked!
But I’m a bit late to planning on some essentials for keeping it nice. I just ordered 3W all weather floor mats and that’s it.
What else should I buy sooner rather than later? Like anyone have recommendations for seat protectors for car seats since the second row is leather? Other things I need?
I unfortunately have to park it outside. Won’t fit in my mini garage in a HCOL area so have considered a very minor tint on the front windows. Protect us and the car from UV damage.
I have two kids and want to keep it nice!
u/OnlyZookeepergame578 — 3 months ago