Chris: congratulations on tripling your income. You have $225,000 saved in your retirement accounts you've got a healthy emergency fund. I love the fact that you are paying your 30-year mortgage as if it's a 15 year. If you're interested in buying a second home and Converting your first home into a rental property then you're going to need to save a down payment. Chris: Would you rather focus on index fund investing or would you rather save for a down payment and diversify Into real estate? Do you want your total net worth to feature? Start with that decision What mix of assets do you want index funds versus real estate? That's going to inform whether