Financial advice?

[G-MO]

What up fam? I'm trying to get my finances right over the next 2 years. The Mrs. and I are building a new crib here in STL. We're both about a year out of college and have gain employment ( we should gross 90k or so this year). Besides our house we have some minor cc debt that will be gone within 6 months and thats it. I've just started utilizing my company's 401k plan and she will will doing the same after our house is done. Where should we be looking to invest our savings? Real estate? Retail? Stocks?
I'm 27 now and would like to be able to stop working a 9 to 5 by the time I'm 40.

 

[bnat24]

on the real, you should go to a financial advisor instead of trying to jump into real estate. Their are many options to place your money especially starting off by just putting 25 dollars a week aside and let that grow over the years, if you have patience.

 

[BigATLslim]

G-MO, what are you reading habits like? You will either really love me or really hate me when it comes to advice. I am a broken record. Your first investment should be in knowledge. Books, periodicals, online media etc. Next, I would find out something I really like or eally understand the numbers and start a business. The internet is making this ultra easy these days. Your next step is to parlay that into real estate and then parlay the real estate money into stocks if you wish. I say this to say you want to invest in what you can CONTROL. That is my suggestion. Two authors will get you going on the mindset of investing: Robert Kiyosaki and a not so well known but superior author, Michael Masterson. In fact, I hate to do some selfish promotion but I have a biz opp that allows you to save money on everything you will every buy in your life and you can guide others to the well at your own discretion. Like Playaz Circle says, "Southside I got what you want, come holla at me."

 

[FROoOsST]

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[ThaAnsa3]

First, you're going to want to get rid of the CC debt. No matter how big or small, its never a good idea to let it sit unresolved. Once that is taken care of, then you're going to want to make sure that you have a substantial emergency fund (the consensus is 6-8 months living expenses) in a high-yield savings (online savings accounts are great). That's a solid foundation. Utilizing your company's 401k was a good move. You may want to look into a Roth IRA next (tax-exempt account).

Next, I think you should talk to a financial advisor about stock options. You can get your feet wet with low-risk stocks like I'm doing now. As your knowledge grows, you can invest in bigger stocks worth more if you win (unfortunately, the same applies if you don't). I wouldn't be so quick to jump into real estate just yet, especially since the market is struggling right now. This is a start. I hope it helps a little.

Disclaimer: I am only a finance student. I am not a bonafide financial adviser, so use discretion and continued research for answers.