Hi all. 26-27 mid this year. Just graduated college. Current income is/has been self employed (average 35k/yr)
Currently Have around 67k cash/easily liquitable assets
allocation is as follows:
btc 700 (if I sell and take that l)
stocks random 700
google pay 600 (consider bank)
bank 14k between checkings/savings
assets around 10k
41k cash in the safe
23,000 in vanguard Roth IRA target date 2060.
13,200 in student loans. 3.8% average rate. Do not start collecting interest until mid this year. Was going to churn credit cards to kick back around 3k off them.
Mortgage: 115k/equity estimated 80k. Variable rate which I’m attempting to refinance this year.
I’m pretty frugal. Drive a pos car. Cook fairly cheap, healthy meals. The issue is I’ve obviously been loosing money stashing cash away. I was hoping to secure a job with benefits/a 401k match this year but that may take a bit (my degree is in MIS and everyone wants devs with comp sci. degrees). I need to keep 10k liquid for business inventory pretty much all the time and a 6 month expense emergency fund of like 8k. Aside from that I want to start making this money work for me if possible. I was checking out vanguard money mutual funds which seem easy liquid-able and high yield savings accounts-but really have no idea if there’s a gold standard or steps I should be looking to. I do know being a llc owner/self employed I could qualify for other sorts of retirement accounts as well. Any advice is appreciated.