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Real Finance Guy

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Real Finance Guy
Real estate, investing, stock options, ISO, RSU, NSO, condo, San Francisco, Seattle, debt, remodeling, renovation, house flipping, startups, housing, economics, taxes
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San Francisco, California, United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

I'm not sure what's wrong with me exactly, but when I see EVERYONE agreeing on something, I always want to disagree. So i’ll say it: I don’t think a recession is imminent. ...
Posted: Aug 11 2018 @ 8:31 AM
How much do I need to make from my passive income streams to #fatFIRE (retiring early without extreme frugality). ...
Posted: Aug 04 2018 @ 10:31 AM
This calculator asks a very simple question: when should I refinance… or should I at all? ...
Posted: Jul 28 2018 @ 8:09 AM
Good morning everyone. Today is a BIG day for me, and a big day for my investing strategies going forward. I'm exercising around 1/4 of the options I've been awarded in the startup I am working for. Although this won't have a huge impact for me in the near term, over the course of the next 3-4 years I am hoping this single decision will save me thousands of dollars (or if I am really ...
Posted: Apr 07 2018 @ 11:15 AM
That’s it! I’m sick of it. It seems like everyone I talk to about real estate believes that condos are the biggest, baddest, most egregious rip-off in real estate. In my experience, it’s exactly the opposite. So what gives' And, more importantly, why do I think that investing in condos and buying condos to rent makes so much sense' ...
Posted: Mar 31 2018 @ 8:00 AM
Life is expensive, and that can make it really hard to save. With rent, cell phones, cars, healthcare, food, childcare, vacations and thousands of other little costs, it’s not unusual for someone to have 80-90% of their income disappear into the ether. Lately, I’ve been thinking about ways I can try to turn at least some of those recurring payments into recurring investments, or at least mitigate them so I don’t lose so much of my ...
Posted: Mar 24 2018 @ 1:11 PM
Real estate investing is one of my biggest passions, and it’s not hard to see why. Yes, everyone waxes poetic about how nice it is to be able to invest in something tangible. I certainly see the appeal in that. But for me, the real attraction is LEVERAGE. The US government subsidizes 30 year mortgages with ridiculously good terms and numerous tax breaks... you’d have to be dumb not to ...
Posted: Mar 17 2018 @ 3:05 PM
HELOCs and refinancing aren't the only options for accessing the equity in a home. This week, I take a close look at a third option.  ...
Posted: Mar 10 2018 @ 8:40 PM
Just this week, Dropbox joined the relatively short list of billion dollar "unicorn" startups that are going public. Only 26 venture backed companies of any size went public last year, and there are more than 100 US companies valued at $1b or more still sitting on the sidelines waiting to IPO. The ultimate question for the people who work at those companies is: should I exercise my employee stock options, and if so, when' ...
Posted: Mar 03 2018 @ 11:30 AM
Like many these days, we bought a home in an expensive coastal city. It was a bit of a stretch, and we only put 10% down. This was partially so we'd be able to afford remodeling the condo we bought, but also because a 20% down payment would have been by far our biggest investment. Instead, we decided to settle for a lower down payment, higher mortgage balance, and higher payment. Unfortunately, since that meant we ...
Posted: Feb 24 2018 @ 11:30 AM


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