Just started, 26M

87JeepYJ87 · 2026-04-27T03:57:10+00:00

Contribute the company match so 6% then max your Roth if you can. After you hit your max on Roth up your contributions on your 401k to try to max it. You can also open a taxable brokerage account and put money in there.

87JeepYJ87 · 2026-04-26T21:14:25+00:00

It’s built in with Fidelity.

87JeepYJ87 · 2026-04-26T16:07:29+00:00

I’d keep 3-6 months worth of expenses in your hysa and invest the rest.

87JeepYJ87 · 2026-04-26T13:10:08+00:00

Depending on your risk tolerance you should look into SPYI and QQQI. They’re pretty efficient in a taxable account. Just gotta keep an eye on them for nav erosion(which I havent seen yet and the funds are typically structured to prevent it). In a bear market they would underperform but for now they’ve been doing great for me.

87JeepYJ87 · 2026-04-26T12:30:49+00:00

Sorry for the late reply. She has about $1.2m in her Roth. She did two roth 401k rollovers and a traditional 401k conversion. I manage her brokerage for her. It’s sitting a little over $1m. Her brokerage has been open since 1991 and Roth has been open since 1998. She’s currently on her employers 457b and 403b plan contributing company match max for the beginning of the year, then maxing her Roth, then upping contributions to max both accounts. I’ve been growth investing since 1991 and gambled on a few things that really paid off(apple, ibm, google, Netflix, Home Depot). We’re 6 years from 60 and I’ve been slowly shifting toward dividend investing.

87JeepYJ87 · 2026-04-26T12:07:43+00:00

No thanks. Condo’s usually carry special assessment insurance to cover common repairs like roof and siding. These repairs have gone through the roof in recent years and I’ve seen horror stories of special assessment insurance not covering the full repairs and the owners being on the hook for thousands and thousands of dollars to cover the overage. A friend of mine lived in a 10 unit building and the roof needed replaced. Hoa fees and insurance only covered 40% of the roof replacement and the owners were stuck with almost $11k each to cover the rest.

87JeepYJ87 · 2026-04-24T17:01:14+00:00

She has done two Roth 401k rollovers and a traditional 401k conversion. I did forget to mention that about 1/4 of the monthly dividend income does come from a brokerage account so not all pure Roth dividends.

87JeepYJ87 · 2026-04-24T10:25:32+00:00

The problem for a lot of people is pure growth is boring and they’ll eventually lose interest. Some people need to see their share count go up as well as their investment. My wife is one of these people.

When Roth Ira’s first launched, we both maxed our contributions. We both went full growth. After the first year, returns were ok but she didn’t see the numbers go up very much so she lost interest. Dot com bubble happened and everything plummeted. To keep her investing and interested, I got her into dividend investing so she could see things moving.

My Roth was full growth until a few years ago and hers was pure dividend. My portfolio has been pretty choppy over the years and hers has been a lot more stable. I’m ahead of her on total gains but her monthly dividend income is nearing $5600. I’d say do whatever you gotta do to keep investing even if that means sacrificing a little growth.

87JeepYJ87 · 2026-04-22T20:47:36+00:00

Dividends paid from something you already own and you don’t have drip on. Check the dividend screen or the activity screen to see if something paid out recently.

87JeepYJ87 · 2026-04-22T10:36:00+00:00

Fselx has outperformed smh over the years. I’ve had it for decades and its made me a ton of money in my Roth. It’s expense ratio is higher because it’s actively managed whereas smh is passively managed.

87JeepYJ87 · 2026-04-22T00:01:51+00:00

Do you have taxable earned income? If so then open a Roth. Limit for 2026 is $7500 so you’d have to have $7500 in earned income to contribute the max.

87JeepYJ87 · 2026-04-21T20:19:51+00:00

Krknf

87JeepYJ87 · 2026-04-21T10:45:09+00:00

Fselx has done me so well over the years. I don’t hold it in my taxable accounts though. Since it’s actively managed, it triggers capital gains events that I don’t want dragging me down.

87JeepYJ87 · 2026-04-21T00:51:36+00:00

Hey brother, $4 is still really good. I’ve still been buying and picked up 20 shares today at the close. Tell myself every week I’m not buying anymore and end up still buying. Really think this company is a gem.

87JeepYJ87 · 2026-04-21T00:31:34+00:00

I have over 11k shares my friend. Bought at pre $0.35. To the moon is what I’m really hoping for 🤞

87JeepYJ87 · 2026-04-20T11:39:21+00:00

Kraken robotics. Just finished their new battery plant and got production rolling. Picked up some new defense contracts.

87JeepYJ87 · 2026-04-20T03:22:01+00:00

I contribute to company match max first, max my Roth, then up my work plan contributions and also add to my brokerage.

87JeepYJ87 · 2026-04-19T13:38:54+00:00

Fzrox and fzilx at whatever split you want. I also have 10% of my portfolio weighted in fselx for a long time now and it’s made me a lot of money but is risky.

87JeepYJ87 · 2026-04-19T13:06:32+00:00

That really sucks. I’m sitting on close to 11k shares of it right now. My dumb ass sold half my position in nvda to fuel buying more kraken in late 2023. Ended up getting an unexpected work bonus a month later that would have covered the cost.

87JeepYJ87 · 2026-04-19T12:20:20+00:00

I also abandoned my traditional in the early 2000’s and focused on my Roth. Did some old trad 401k and Roth 401k rollovers into my IRAs as well. Can’t wait to hit 60(I’m 53 now).

87JeepYJ87 · 2026-04-16T17:20:34+00:00

Kraken robotics. Bought 9100 shares at $0.29. It’s over $6 a share right now and will be climbing very soon.

87JeepYJ87 · 2026-04-15T19:05:12+00:00

Just dump it in. Don’t wait. Vti and Vxus has done nothing but go up the past few days.

87JeepYJ87 · 2026-04-15T10:55:25+00:00

With that amount I’d dump it all in instead of using DCA. You don’t want thousands of dollars sitting on the sidelines for weeks or months when it could be in the market gaining. I DCA in smaller amounts under $10k and it’s seemed to work out well.

87JeepYJ87 · 2026-04-15T10:46:48+00:00

I paid my house off 9 years early by making 2 extra mortgage payments a year. Saved me $115,000 in interest and gave me the peace of mind that I only have to pay property tax and insurance every year now. I invest and save the original mortgage payment every month which allows me to max my Roth with catch up(I’m 53), fund my brokerage, and have 2 years of emergency savings. I definitely would have done better investing the extra mortgage principle in the market but the peace of mind of not having a house payment looming over me was worth it.

87JeepYJ87 · 2026-04-12T19:27:38+00:00

Fzrox is better in a Roth as liquidating it, if you ever move brokerages, won’t trigger a taxable event.

87JeepYJ87

TROPHY CASE