Q&A: Pre-IPO Investing, Real Numbers Behind House Hacking, & Tax Refunds

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Apr 17, 2025

This week, the hosts tackle a variety of intriguing questions from their audience. They dive into the concept of house hacking, sharing strategies for leveraging multi-family properties and Fannie Mae loans for financial gains. The discussion also covers smart investment uses for tax refunds, emphasizing diversification and maximizing retirement accounts. Listeners can learn about navigating tax strategies, like the 1031 exchange, and the emotional weight of financial planning around parenthood and baby showers.

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ADVICE

Invest Your Roth IRA

Invest Roth IRA funds in low-cost ETFs for long-term growth.
Don't leave contributions as cash; invest strategically.

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ADVICE

Roth IRA Before Home

Prioritize maxing out your Roth IRA for retirement.
Build a solid investment base before buying a primary home.

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ANECDOTE

Austin's Home-Buying Story

Austin bought a house at 24 with a low mortgage, but the market has changed.
He now wishes he had prioritized investing more at a younger age.

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Sunny Ventures and Smart Investments

02:09 • 4min

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Mastering House Hacking and Investment Strategies

06:35 • 23min

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Strategic Approaches to High-Risk Investments

29:06 • 6min

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Smart Investment Strategies for Your Tax Refund

34:41 • 8min

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Navigating Tax Strategies and Preparing for Parenthood

42:40 • 2min

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Navigating Baby Shower Gifts and Financial Preparedness

44:58 • 2min

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Celebrating Audience Engagement and Learning Opportunities

47:14 • 2min

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In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!

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Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 4/17/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Fee Schedule⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://public.com/disclosures/bond-account⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to learn more.

Hankwitz Group LLC has an existing business relationship with NEOS Investment Management LLC. The opinions expressed are those of the author, and the author owns several NEOS ETFs.

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