u/YoungAndGettingIt

29M new attending, ~$268k base. My 401(k) (w employee 6% match) has these index options:
S&P 500 Index — 0.01% fee
S&P Extended Market — 0.025%
International (SS GACEQ EXUS IDX II) — 0.055%
T. Rowe Price Retirement Blend 2060 — 0.17%

I’m maxing out my 401k and currently in 100% TRP 2060, but I’m considering moving to:

55% S&P 500 / 15% Extended Market / 30% International

I’m comfortable with high equity risk, have a 30+ year horizon, and am willing to review/rebalance annually.

Does this allocation make sense, or would you use a different split? Would you personally prefer the target-date fund despite the higher 0.17% fee?

Got an offer on this for 30k - [https://www.edmunds.com/toyota/venza/2022/vin/JTEAAAAH3NJ093654/?radius=25\](https://www.edmunds.com/toyota/venza/2022/vin/JTEAAAAH3NJ093654/?radius=25)

My 2020 rav4 recently got damaged, looking for slightly less room, more lux and same reliability.. would upgrade in 2-3 years
XLE trim but with JBL, 12 inch screen and dash cam installed. 1 owner

Good deal or not ?

Bought a 2022 Toyota Venza Gold Certified yesterday, $30k, financed. Got a Fidelity “Platinum” service contract for $4,906 rolled into the loan.

The car already comes with the free Gold Certified warranty: 7yr/100k powertrain + 12mo/12k comprehensive, $0 deductible. The paid plan looks like it mostly overlaps that — comprehensive year 1, then powertrain-only after. It also excludes the hybrid battery and, per the contract, can’t transfer to another vehicle (only to a future buyer). I’ll likely trade it in around 5 years.

Finance manager is resisting the cancel — says the refund “only comes at the end of the loan,” and that “Gold Certified isn’t really a warranty.”

Questions:

1.Worth cancelling a $4,906 warranty on a CPO Toyota that already has 7yr/100k powertrain, if I’ll trade in \~5 years?
2. How do I cancel and make sure the refund goes to my lienholder / reduces principal— not lost or delayed?
3.Is “you won’t see it till the end of the loan” accurate, or just spin for it going to principal?

Dated yesterday so I think I’m in the full-refund window. Honest takes welcome, especially F&I folks.

Bought a 2022 Toyota Venza Gold Certified yesterday, $30k, financed. Got a Fidelity “Platinum” service contract for $4,906 rolled into the loan.

The car already comes with the free Gold Certified warranty: 7yr/100k powertrain + 12mo/12k comprehensive, $0 deductible. The paid plan looks like it mostly overlaps that — comprehensive year 1, then powertrain-only after. It also excludes the hybrid battery and, per the contract, can’t transfer to another vehicle (only to a future buyer). I’ll likely trade it in around 5 years.

Finance manager is resisting the cancel — says the refund “only comes at the end of the loan,” and that “Gold Certified isn’t really a warranty.”

Questions:

**1.**Worth cancelling a $4,906 warranty on a CPO Toyota that already has 7yr/100k powertrain, if I’ll trade in \~5 years?
2. How do I cancel and make sure the refund goes to my lienholder / reduces principal— not lost or delayed?
**3.**Is “you won’t see it till the end of the loan” accurate, or just spin for it going to principal?

Dated yesterday so I think I’m in the full-refund window. Honest takes welcome, especially F&I folks.

The car already comes with the free Gold Certified warranty: 7yr/100k powertrain + 12mo/12k comprehensive, $0 deductible. The paid plan looks like it mostly overlaps that — comprehensive year 1, then powertrain-only after. It also excludes the hybrid battery and, per the contract, can’t transfer to another vehicle (only to a future buyer). I’ll likely trade it in around 5 years.

Finance manager is resisting the cancel — says the refund “only comes at the end of the loan,” and that “Gold Certified isn’t really a warranty.”

Questions:

1. Worth cancelling a $4,906 warranty on a CPO Toyota that already has 7yr/100k powertrain, if I’ll trade in \~5 years?
2. How do I cancel and make sure the refund goes to my lienholder / reduces principal — not lost or delayed?
3. Since it’s % financed, cancelling just drops my principal $4,906 and I stop paying interest on it, right? Is “you won’t see it till the end of the loan” just spin for that?

Dated yesterday so I think I’m in the full-refund window. Honest takes welcome, especially F&I folks.

New hospitalist, want to get into real estate but don't know where to start.

First year of real income, no med school debt, long time horizon, not chasing anything quick. Open to Georgia or out-of-state. No strategy locked in. Realistic constraint: hospitalist schedule means I can't be answering tenant calls.

What I'd love input on:

• What was your literal first step as an attending?
• Wait to hit other financial goals first, or start in parallel?
• How passive can this get before fees eat the returns? Turnkey, syndications, PM-managed rentals?
• Physician loans — investment property play, or primary residence only?
• Any courses or books actually worth the money, or is it all repackaged blog content?

Appreciate any direction.

I'm based in Georgia. I want to start investing in real estate but don't know where to begin, and I'd rather learn from people who've actually done it.

Open to anywhere in Georgia, or out-of-state if the numbers work better. No strategy locked in yet. Physician, not chasing anything quick.

One honest constraint: my job is demanding, so I'm not sure a heavily hands-on approach fits. Willing to put in real work upfront - just realistic that I can't be picking tenant calls at 2am.

What I'd love input on:
- What was your literal first step

- How did you pick a market, especially if you don't live there

- Realistically, how passive can this get without the returns disappearing into fees?

- First-deal mistakes you'd warn someone about

- Agents, lenders, or PMs in Georgia worth knowing?

Also happy to meet up - if anyone in Atlanta or around Georgia is up for coffee and fielding beginner questions, I'll drive to you.

Thanks in advance.

Anyone ?

I have heard of only one person from 39 countries

Please share if you have received any since this pause

Hey all,

Mainly concerned about risk on burn in in a year or two - especially with GTA VI coming out, might be putting in hours on the tv

I have heard the Best Buy warranty covers burn in ?

Hey all

I am a physician on the J1 waiver journey, currently at the DOS stage - my IGA has approved and sent to DOS about 6 weeks ago but I am yet to see relevant documents such as Healthcare facility statement, contract etc

Is there a way to contact DOS or any tip to help fast track this ?

https://preview.redd.it/kz4ghhwywrxg1.png?width=2848&format=png&auto=webp&s=ce106719959741c5da0643a2e4cf6fb00e7c715d