I save 12% every paycheck and the government matches me 5%.”2.Other than your company savings plan, do you have any savings plans earmarked for retirement such as a Roth IRA, IRA, SEP IRA?

After the super-bowl a few years ago, the city earmarked millions of dollars to improve streets, roads, bridges, and infrastructure. 

@KJ Tottle If this is capital you've earmarked for investing in real estate, I wouldn't drop it into an index fund. 

I have this ear marked for some projects of 2 properties I already have, but generally, this would go toward your next purchase.Hope I didn't make that more confusing.

We are able to get the property for 400k and have earmarked about 150k for rehab costs, although Id expect them to be in the 125k ballpark.

Your story has all the ear marks of how's and whys people fail starting out flipping.

i am married, my wife  [ 60 y/o ] is also disabled due to no kidneys and is on Home Hemo Dialysis, but she spends hours everyday looking through real estate , and though we have found several great oppurtunities, we have no been able to capitalise on them due to out low income and crummy credit ,  [although when i moved here i had 621 score until when I tried to refi through Loan Depot, they really messed me up and I am not sure what my score is now.]I think the first thing I need to do is repair my credit as best as I can, as well as see what kind of assets and value I have to help me get the investing process going. [ kinda long story packed with lessons there]  Due to a small windfall we have $5,000 earmarked for beginning real estate investing in hopes of getting our of our crushing poverty trench.I want to begin by doing non rehab wholesaling,  but am also wondering if Tax Lien investing might allow me more bang for my few bucks. 

If raise the rates to the 2 BR rate and earmark the extra rent towards doing the 3 BR Reno whenever they leave.

Run it is a completely business-like manner.Then you earmark a percentage of your profits to be used to help people.

In fact, even if you are already in business, chances are you don’t have an extensive cash allocation earmarked for promotion, or you’ve tried many different advertising approaches and vehicles and haven’t hit on a really successful campaign yet.