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Hey, thank you for taking my call. Sure. So I'm on baby steps four, five, and six. And I recently met with a financial advisor about opening up a 529 plan for my daughter. And she went over all the fees and the stuff.

And then I started wondering if it's better for me to just open a plan directly, like through Vanguard or something like that, instead of using the advisor to stay on fees and all that. I don't know what's your opinion on that.

And then I started wondering if it's better for me to just open a plan directly, like through Vanguard or something like that, instead of using the advisor to stay on fees and all that. I don't know what's your opinion on that.

And then I started wondering if it's better for me to just open a plan directly, like through Vanguard or something like that, instead of using the advisor to stay on fees and all that. I don't know what's your opinion on that.

Hi, thanks for taking my call.

Hi, thanks for taking my call.

Hi, thanks for taking my call.

Um, so my partner and I, uh, just, uh, we're about to close on a house in early May, our first house. And, uh, we want to know like about how much we should expect to be, uh, putting into renovations. We plan on selling in about five years.

Um, so my partner and I, uh, just, uh, we're about to close on a house in early May, our first house. And, uh, we want to know like about how much we should expect to be, uh, putting into renovations. We plan on selling in about five years.

Um, so my partner and I, uh, just, uh, we're about to close on a house in early May, our first house. And, uh, we want to know like about how much we should expect to be, uh, putting into renovations. We plan on selling in about five years.

So not a lot. It's in pretty good condition. There's a couple of things. The roof needs to get done, but the seller is doing a credit for that. The other thing that is pretty imperative is just the, there's a little bit of pest eradication to do. And I don't expect that to be super expensive.

So not a lot. It's in pretty good condition. There's a couple of things. The roof needs to get done, but the seller is doing a credit for that. The other thing that is pretty imperative is just the, there's a little bit of pest eradication to do. And I don't expect that to be super expensive.

So not a lot. It's in pretty good condition. There's a couple of things. The roof needs to get done, but the seller is doing a credit for that. The other thing that is pretty imperative is just the, there's a little bit of pest eradication to do. And I don't expect that to be super expensive.

Yeah, those are just fixing it up. Yeah, so we wanted to make it – the kitchen is pretty small. We want to maybe make the kitchen more appealing, at least up here bigger. So we want to, like, lighten it up. And then we were thinking of doing the bathroom as well, like retiling and maybe the floor. We don't –

Yeah, those are just fixing it up. Yeah, so we wanted to make it – the kitchen is pretty small. We want to maybe make the kitchen more appealing, at least up here bigger. So we want to, like, lighten it up. And then we were thinking of doing the bathroom as well, like retiling and maybe the floor. We don't –

Yeah, those are just fixing it up. Yeah, so we wanted to make it – the kitchen is pretty small. We want to maybe make the kitchen more appealing, at least up here bigger. So we want to, like, lighten it up. And then we were thinking of doing the bathroom as well, like retiling and maybe the floor. We don't –

we don't have a lot of experience with this kind of thing so okay so um the homes in a five block radius of that do their kitchens look like you want the kitchen to look or do they look like the kitchen you're buying um i think they're a little they're a little bigger they're uh the houses are not super nice right there so they're not uh you know they're not super big it was a 315 000 house it's

we don't have a lot of experience with this kind of thing so okay so um the homes in a five block radius of that do their kitchens look like you want the kitchen to look or do they look like the kitchen you're buying um i think they're a little they're a little bigger they're uh the houses are not super nice right there so they're not uh you know they're not super big it was a 315 000 house it's

we don't have a lot of experience with this kind of thing so okay so um the homes in a five block radius of that do their kitchens look like you want the kitchen to look or do they look like the kitchen you're buying um i think they're a little they're a little bigger they're uh the houses are not super nice right there so they're not uh you know they're not super big it was a 315 000 house it's

Our first house is a three-bedroom, and it's not very big.