u/jeb7516

I'm curious how others do it because I think my current lead to booking process has to many steps. What process has given you the most success to book your DJs?

I'm 47 with 225k in a Vanguard Roth IRA in VFIFX (Target 2050). I am thinking I need to be more aggressive to maximize my earnings. The VFIFX is 90% stocks and 10% bonds. Should I just manually replicate VFIFX's equity side using a 60/40 split of VTSAX/VTIAX to drop the 10% bond drag until I'm older? I hope to retire around 65 and would just switch back to a target date fund then. Any downside to this?

• I bought a 2015 TLX 4 cylinder last october with 152k miles on it. I paid an Acura dealership mechanic to look it over before buying and he said the car looked good. Then I moved and my new mechanic said it was in great condition. I don't have records on the vehicle. I'm hoping i can get it to last another 5 years or to 250k+ miles. What would you recommend I do for preventative maintenance? AI says- Prioritize: DCT transmission fluid service, valve clearance adjustment and spark plugs, coolant flush, brake fluid, and a thorough inspection for oil consumption, leaks, worn suspension components (especially compliance bushings), wheel bearings, and axle boots.

I'm talking to one that wants 3.25 which seems above average.

47 year old, single with no kids. I have 215k in a roth (but unable to contribute further for the next few years). I have a home in Austin with a 30 year FHA home loan (3.25% interest and 20 years left to pay off- started at 250k and is now at 200). I have a home equity loan as well. 20 year at 7.09% with 17 years left (150k now at 136k). Currently I'm renting it and the rent pays the 30 year mortgage payment. This house with need a new hvac in next 1-3 years (15k) and probably a new roof in the next 5-10. I took the home equity loan and bought a house in Ohio. I rent this house by room and it breaks even after paying the heloc loan, utilities and management. So both houses are running but no extra money earned. I could keep them both for 20 years and they would value about 800k-1 million at that point. After realto fees and capital gains I'd probably walk away with 650k-850k. OR I could sell them both and walk away with about 130k now and put it in a solo 401k over the next couple years. In 20 years I may have 600k or more. Now it seems like selling and investing is the easier option to me BUT theres a couple things holding me back. 1. Having property is a safety net for me. I can move in to the Ohio house is I needed to and basically live for free will renting out the other rooms to hospital workers. or I can live in Austin and do the same. 2. I may make more money holding onto them vs selling but of course a lot can happen in 20 years. There's more detail I could give but just looking for some opinions. Thanks!