Judging my position.

BS1

Hello all, happy holidays and safe travels for those on the road and returning to work. I am in a situation right now and I’d like to list it below and get some insight as to how I can maximize potential gains and increase net worth by 45, 50.

25 years old

Home worth 240k, owe 197k at 4.5% payment 1778. Gf pays 900 roommate pays 450

2 paid off trucks. 97 s10 worth maybe 2k and a 2014 Silverado LTZ z71 worth 10k

Jeep at 380 a month for 70 more months… worth 24k I owe 22k 5.99%

Personal loan at 11k at 11% for 52 more months

Income fluctuates due to commission but usually around 4-6k a month

51k in the bank 7750 in actual cash

No investments for retirement

My intentions are to sell the jeep and get out of that debt immediately it was dumb and shortsighted to purchase it and I’m so thankful I’m not buried in it. I know this is where I’ll annoy patrons but I’d prefer to work my ass off and make 11 1k payments towards the personal loan. That way I could have a 10k emergency fund and Invest between 40-45k.

My long term goal is to get out of debt ASAP with a blend of selling the jeep, investing a chunk of cash for my future, paying 1k a month on the personal loan. Finally, once I’m finished with that, I’ll be 26-27 and I can invest all my money into my home and future equally. I’d like to have a million dollar net worth around 38-45, however 50 seems more realistic. Thoughts?

Posted Dec 1, 2025, 3:15 AM UTC

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