Not looking to do strict FIRE but hoping to buy a 2-bedroom in the next three-ish years (NYC/BOS). What changes would you make immediately if you were in my shoes? Bf and I make a combined $350K.

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Don’t buy real estate with someone you’re not married to. Lots and lots of terrible outcomes.

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And if you do, write up an operating agreement with clear guidelines and exit criteria, then get that reviewed by a lawyer

Pretty vague question, as you haven’t supplied many details, but I’ll give it a shot:
- Save up a 20% down payment to give yourself the most options when buying the house.
- Contribute as much as possible to 401k’s. The best saving vehicle for most people.
- Start/continue living within your means. On your HHI you should be able to save $75K+ a year

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- Ibonds, approx 6% interest (be aware of 1 year lock-in, 10k per person limit)
-Short duration treasury bills (3-4%)
- Money market ETFs (BIL 3%)
-Savings accounts are simple & safe, and the difference for the few years of 1 or 2% wont be dramatic. They are being slow to raise rates, but will likely catch up to T Bills over the next few months.

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Don’t live in nyc or boston…

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Wish I had a choice but have to be here for now!

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