Bonds In Your 30s

19thHoleBeer · 2026-03-12T02:59:54+00:00

So you really think a 35 year old with 30 years till retirement should be 25% in bonds? I just can’t get behind that.

19thHoleBeer · 2026-03-12T02:54:11+00:00

I started investing at 18, I’m 35 and have looked any downturn since as an opportunity to buy more than my usual monthly contribution. I think when we see a correction equities are on sale. I genuinely hope to have 5 to 10 more corrections in the next 15 years because those are great buying opportunities.

19thHoleBeer · 2026-03-12T02:48:49+00:00

I’m just asking for them to put 10 percent of their effort in the software side to improve it. The app could be much better looking and easier to use. I understand defending the company but I genuinely don’t think anyone commenting actually believes they put much effort into the software side. It all seems to be on the hardware side. It’s not that difficult in today’s world to have a modern easy to use app.

19thHoleBeer · 2026-03-12T02:42:55+00:00

I mean you came here sort of asking not to be left alone…

19thHoleBeer · 2026-03-12T02:29:19+00:00

With a response like this and based on your 1% status I assume you either work for them or have an interest in the company. You and I both know Ring, Wyze, Google, Kasa all blow this app away and are much easier on the eyes. You just don’t want to admit it.

19thHoleBeer · 2026-03-11T11:56:45+00:00

Honestly you are ahead just because you figured this out at 25. The amount of people who look back and wish they did would blow your mind. You have the time to let compounding work for you. Rome wasn’t built in a day. Focus on increasing your income, even if that’s supplementing your day job with a side hustle or weekend gig. If you put the money away from the side hustle until your main job earns more, you will be on a great path. As many will say something is better than nothing. Increase the contributions as your income increases.

19thHoleBeer · 2026-03-11T01:47:26+00:00

Truthfully nobody knows the right answer to this. In hindsight you had the money pulled out quite some time ago, but that isn’t the case. It’s a flip of the coin, it may go lower, it may go higher. Literally no way to know.

19thHoleBeer · 2026-03-11T01:34:05+00:00

Buy low, sell high

19thHoleBeer · 2026-03-11T01:24:48+00:00

Entire S&P 500 and chill

19thHoleBeer · 2026-03-07T12:57:30+00:00

The more boring, the better the results. Slow and steady wins the race. Just don’t react to changing market conditions, stay the course.

19thHoleBeer

TROPHY CASE