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I was paid $78,064, which I'm taxed on for Social Security and Healthcare. I put $6,645.72 (8.5% of salary) in the 401k, making my federal income taxable earnings $64,744.

Have your real estate agent tip you to a building with an out-of-town owner who is eager to sell. Sometimes such owners requires a two- or five-year contract for deed, hence you a minimal down fee.

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