u/Sea_Apartment_635

Hi Everyone,

Hope everyone is doing well. I’m in a situation. I have about $50k that I can put towards my house loan, taken at 2.99% and bring down my monthly payment down by $200-500. Currently it is $4800/month as I only put 5% down when I purchase this property. What would be wise action from your experience? Shall I put it in the house or in the market to get 10-12% return year over year?
Also, what factors I shall consider before making this decision?
Yes, I used AI and got mixed feedback.

Hey everyone,

Hope you are well. I’m new to this forum and with 1 year old kid. I read a lot about 529, UTMA and other accounts that can be opened for kids. However, I’m confused about strategy that can be used for these account to give a head-start and avoid to pay additional taxes than necessary. Are there any suggestions? If you use these accounts, I would like to learn how.