Yes consider i sold it, should i pay tax for usa where i earnt the money i used for investing or from india whom i am resident of

Invite friends over to your place to hang out. Cheaper anyway hahah and no need to drive

10,000/3.5% is 286k, not 350k.

You still have to pay for the rest of the mortgage

You’re doing better than the vast majority at your age. You could probably save more if you’re making that much, depends on where you’re living I guess though. Generally live below your means and try your best to keep your job

Did you sell the stock? You don’t pay taxes on unrealized gains.

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First, you need to do your research for the area(s) you are looking to invest in. Items to consider:

• Is the area you are looking at, allow rental properties (no laws or HOA restrictions)?
• What are the local zoning laws for rental properties in this area (i.e. are inspections required between tenants? Are specific inspections/tests required (lead paint/asbestos)? and so many others).
• How much have you saved up, in order to invest in rental properties? Unlike owner occupied homes, rental properties require much more down payments to finance.
• Are you financially stable that you can afford to keep up the payments on your bills and the rental property (without the rental income coming in)? This is very important as you will have vacancies and/or times tenants do not pay you on time.

Staying put is not an option. We have no debt other than the existing mortgage. We have excellent credit and are already receiving the most favorable mortgage rates within the context of current market conditions.

Start reading.

The Simple Path to Wealth by JL Collins -- easy to read and put into practice

Your Money or Your Life by Robins – as much about how one views money as uses it

The Millionaire Next Door by Stanley and Danko – normal people’s traits and habits of FI success

Building Wealth and Being Happy by Graeme Falco – connecting finance with mental health

Personal Finance 101 by Michele Cagan – easy to read textbook info in bite-sized pieces

I think you need to examine your motives for investing in this sector against a background of potential capital losses, an increasing regulatory headache and an enormous amount of hassle. IMO this ship has passed.

There are a few steps you can take to increase your chances of getting into a rental property:

Start by doing your research. Look for properties in your price range and in areas that you're interested in. Make a list of potential rentals and find out what the application process is for each one.

Gather all necessary documentation. Most landlords will require you to fill out an application and provide documentation such as proof of income, a rental history, and identification. Be prepared to provide these items when you apply.

Prepare a cover letter. A cover letter is a brief letter that introduces you and explains why you're interested in the rental property. In your cover letter, you can highlight any relevant experience or qualifications you have that make you a good candidate for the rental.

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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Yes, for a good place, in fact cheaper now depending on city in the Bay.

I couldnt, no job was accepting me and they just closed it

I just took out of your budget $550 of unnecessary expenses. That's not counting the wasteful subscriptions. Happy new year.

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Your budget looks reasonable, aside from.. the car loan. It would be hard to save money with $800 spend on a car each month. Try to slash this 550 loan by selling your car and buying a cheaper one, with cash. You will be able to save more money for your move this way, and it will still take you from point A to B

Thank you for the advice

Also transit in Pittsburgh isn't bad unlike what OP claims especially if you are staying in the city proper.

Not to mention Pittsburgh has pretty decent public transit. Bus only roads, bus only lanes, light rail, etc.

Lived in Pittsburgh briefly and the buses were cheap and frequent enough that you'd get where you needed to pretty easily. Cabs were cheap as well if you didn't want to wait.

OP is looking to justify to himself keeping an expensive car that he doesn't need and can't afford.

Not to mention that public transit in Pittsburgh is actually pretty good. It has bus only roads, bus only lanes, light rail, etc. Pittsburgh has to be in the top 10th percentile for efficient public transit. Obviously this depends specifically on where OP lives but honestly transit in Pittsburgh is pretty good and ditching the car is an obvious no-brainer, he's just used to "needing" the car.

Open a Roth IRA and $500 a month is enough to max it out.

Where? Recommended brokerages: Vanguard, Fidelity or Charles Schwab.

What to invest in? A total stock market index fund or S&P 500 index fund; if you went with Vanguard, that would be VTSAX or VOO.

Sell car. Buy old Toyota Corolla. Runs forever with minimum upkeep, taxes and insurance are also minimal.

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Move to a LCOL city with a decent transit system and carsharing