Justin is a software engineer at Google. He makes roughly $300K per year. He used to have a more substantial side hustle but currently, he rakes in about $2K per year from side income.

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Investing Philosophy

I want to be as risky as I can while still being able to sleep at night. I also don't want to obsess about money to the point where I'm stressed if a huge market downturn happens.

My long term goals are to diversify and move some of my assets into real estate. So, I’m trying to construct my portfolio such that it will likely hold value reasonably well in a market downturn and also grow as markets recover.

Regarding real estate, as I said, I want to get more exposure to that asset class, so I’m building a pretty large cash position that will go towards a down payment.

I’m also planning on utilizing a 401K loan to help finance my initial down payment.

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Portfolio Composition

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Portfolio Composition Breakdown

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Income Information

$300k per annum

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Investing and financial tech stack?

• Interactive Brokers – primary brokerage account. I also have been considering moving some money to Charles Schwab.
• Vanguard – for retirement.
• Coinbase – crypto
• Discover – for their high-yield savings account (3.3%)
• Mint and Tiller HQ – spend and budget tracking. Tiller HQ allows you to download everything in spreadsheets in easy-to-use formats.
• First Republic and Chase – bank accounts. With First Republic you get a personal banker that works with you who you can call/text/email. And, I believe that if you have a relationship with them you can get pretty decent mortgage discounts.
• Google Finance and Yahoo Finance – public market news and research
• H&R Block – tax prep.