Late 20s, still living at home. Starting to invest because I want out. Lo
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Alright, being real for a minute. I’m working full time, still living with my parents. I’m grateful for it, but mentally I’m exhausted. I want my own place. I want independence. I want to stop feeling stuck. I don’t come from money. I don’t have a big starting portfolio. I just have a paycheck, some savings, and the decision that I’m done drifting. Goal: build enough for a house down payment. Not looking to YOLO into options and become a cautionary screenshot. I actually want to do this the slow, disciplined way — even if that’s less exciting. If you were starting from scratch and your goal was “move out and buy a place,” how would you allocate? ETFs? Index funds? HYSA for the down payment? Split between growth and safety? Any advice from people who’ve done it would mean a lot.
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