I am only contributing up to what the plan matches and nothing more.I also have a liquid savings account that I am depositing 40% of my pay into for my seed capital and first property (almost at my goal!).

I have been addicted to these forums and podcasts as Im trying to soak up as much as I can! 

Basically, I’ve been planting seeds for the last few years.

Set a savings rate that is percentage of your income.Each month automate that amount out of your current account into your investment/portfolio account.That is you to keep and fund your asset purchases.This is capital formation at the household level.Anthony Robbins in his book, Money Master The Game gives numerous examples of individuals who followed that formula.Sir John Templeton related that he would save 50% of his income to build his business.A UPS employee from his twenties put aside 20% of his income to purchase UPS stock.By his eighties he had a portfolio of over USD70 million of which he gave away USD35 million to charitable causesThere is a warning on the illusion that wealth will somehow, one day fall into our laps.Each amount that passes through our hands is potentially seed capital, which can be used and allowed to go through the power of compounding then contribute to our portfolio growth.Bill Greene in his book "Think Like a Tycoon" suggests setting aside 95% of your income towards your portfolio to become a tycoon.Only spend 5% of your income on consumer items developing a way to expand your means until necessities fit in that  5%.

With your RE experience why not take the time to get a little more education on how to become a private or hard money lender and use that as your seed money.

This holds the seeds of destruction for ALL small investors, even cash investors ( not certain, but potential).

Flip to generate your seed money and then invest in rentals to preserve and grow your wealth.

**Let me just put this seed in everyone’s mind that’s thinking the above: In the 2008 debacle, The real estate crash mainly happened because people were being approved for loans on homes they couldn’t afford at the current prices then.

Do keep on soaking up info until you are both confident enough to move forward with a strategy/partner that you both believe in.

Can't wait to soak up all the wisdom you've got to share!