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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Sounds interesting.  Here are our details:

Age 40
Income - about 95k combined
Property - our home worth about $600k with remaining mortgage of $190k.  Other property out of state value about $300k not rented, currently listed for sale but market is slow.
Other assets: retirement = $380k 
college savings (two kids under 3) about $45k  
brokerage = 80k
money market savings = 40k

We live fairly frugally.[/quote]

[quote=Anonymous]Your personal residence:
What is your mortgage rate? how many years remaining on your current mortgage?[/quote] = 3.875, 19 years

[quote=Anonymous]Out of state property:
Which state?
Is it mortgaged?  Please provide details of the loan
What would the property rent for (I'm not suggesting that you do that, but humor me for the moment)
What price would get this property under contract in 7 days?
How long has it been on the market?
What commission rate are you offering the buyer's agent?
describe the property type.[/quote]

== This is where it gets complicated.  There are several properties.  All beach front condos in Florida.  We own them jointly with other family members.  They have only been listed in the past few weeks.  Two are already under contract.  Condo fees and property taxes are high, and there is no family nearby it's not practical to manage them ourselves as rentals.  There are no loans, but given monthly costs profit from rent would be minimal e.g. perhaps $5k per year (our share) if all were rented (though two are under contract, so assuming sale goes through it would be less).   They would make good vacation rentals but unfortunately the condo boards prohibit weekly rentals.  The $300k is a conservative estimate of our portion.

[quote=Anonymous]Generally:
Are you happy living frugally? (this is not a judgment, but will affect my advice)[/quote] -- I should rephrase that.  We are careful with our money, but I think we live well on the whole.  We spend wisely but generally are able to do what we want.  
[quote=Anonymous]What is your financial goal? (retire comfortably at 65?)[/quote]  -- I'd really prefer to retire comfortably much earlier.  At least by 65.  we'd also like to make some changes sooner.  Currently I work full time, spouse largely takes care of our girls.  We'd like to switch but my earning power is much higher.  Or I'd like to go back to self employment, but then we have the health insurance issue.

[quote=Anonymous]Retirement:
How much are you each contributing?  Company matches (if so describe)?  Does your company offer a Roth 401K?  Is any of your retirement money not held by your current employer?[/quote]  -- we are contributing maximum.  Company matches 6 percent.  No Roth 401k offered.  Yes, have 401k and IRA.  $150k of the assets I included above in $380k for retirement are not in retirement accounts and could be accessed before then if necessary.

[quote=Anonymous]College Savings:
Is this in a 529?  How do the fees in your 529 compare to other 529 plans?[/quote]  Only 12k is in a DC 529.  The remainder is in savings or brokerage.

[quote=Anonymous]Savings:
There may be a way to ramp up your yield with a laddered CD strategy.  Can you provide me with your current return?  How safe are your current jobs?  What is the return on the money market, net of expenses.[/quote]  Correction, money is in an Ing savings account.  Return is minimal.  But I think CDs are lower currently.[/quote]

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