After paying off my house and changing jobs, I rolled over my 401(k) at the old W2 into a self-directed IRA.

Hi Stevie, If you make income, you can open a Self-directed Roth IRA and buy a share of VTI with this (VOO if you had a little more).

Yes you can transfer your old 401k's to a self irected IRA with for example Equity Trust and then buy real estate with those funds.

Curious what you all think.As a side note, the bulk of our net worth is currently in real estate with about $550k in Roth IRAs. 

I’m aware of the FHA loan option, but even a $21k+ down payment seems steep when I’m prioritizing all of my investment accounts for savings first (401k, Roth IRA, HSA) and building my emergency savings account to 6 months worth of expenses. 

Also a Solo 401k is not an IRA, it's a 401k.

Once you start paying these off you will be surprised at how fast it happens.A few random thoughts on IRAs.  

Paid off the heloc and deposited the difference in IRAs.

Curious what you all think.As a side note, the bulk of our net worth is currently in real estate with about $550k in Roth IRAs.

Thinking of doing this as a “reset”, and then going forward in 2026, start doing some of the things (financially) I should have been doing.I want to max out Roth IRAs for my wife and I, contribute to 529s for the kids, and if there is excess money beyond that, go the brokerage route.