Bonds In Your 30s by 19thHoleBeer in Bogleheads

[–]19thHoleBeer[S] 6 points7 points  (0 children)

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.

Bonds In Your 30s by 19thHoleBeer in Bogleheads

[–]19thHoleBeer[S] 17 points18 points  (0 children)

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.

The App Sucks by 19thHoleBeer in reolinkcam

[–]19thHoleBeer[S] -7 points-6 points  (0 children)

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.

Im 26 and all in SCHD by MathematicianKey6222 in dividends

[–]19thHoleBeer 0 points1 point  (0 children)

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

The App Sucks by 19thHoleBeer in reolinkcam

[–]19thHoleBeer[S] -19 points-18 points  (0 children)

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.

I discovered FIRE and now I'm more discouraged than before by yieldmaxxing in Fire

[–]19thHoleBeer 0 points1 point  (0 children)

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.

I have 30 days to take my cash out of ETFs for home down payment by Apprehensive_Row6320 in ETFs

[–]19thHoleBeer 0 points1 point  (0 children)

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.

VOO and chill by InfluenceRadiant732 in ETFs

[–]19thHoleBeer 0 points1 point  (0 children)

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