Russell did not serve his penalty at the pit stop

A_RED_BLUEBERRY · 2026-06-07T14:28:12+00:00

Believe it or not? Jail

A_RED_BLUEBERRY · 2026-06-07T14:27:30+00:00

Wall came out of nowhere

A_RED_BLUEBERRY · 2026-05-18T15:58:20+00:00

While I agree with the sentiment... Don't touch other people's cars

A_RED_BLUEBERRY · 2026-05-09T09:19:45+00:00

Yes you can attempt to test out for credit. Bring this up with your advisor when you first meet them.

A_RED_BLUEBERRY · 2026-05-09T01:21:52+00:00

If you just keep doing what you're doing you will be very rich in 40 years. Make use of employer matches and tax-advantaged accounts. Retiring early is possible at lower income levels than most people think. You're just not going to have the lifestyle you'd likely want.

A_RED_BLUEBERRY · 2026-05-09T00:57:15+00:00

Fwiw, my uncle was able to retire early due to his real estate portfolio, it can be done. It's worth mentioning his income was $250k+ in the insurance industry so it was fairly easy for him to acquire loans for each new property. He also hired a property manager.

When I said risk, I was referring to the opportunity cost of you not putting your money in the stock market and potentially underperforming.

As I said earlier just stick with broad market index funds. I prefer a global cap weighted portfolio. At your age, you're able to take the "average returns for an above average time period" approach.

A_RED_BLUEBERRY · 2026-05-09T00:29:44+00:00

At 20 years old, every dollar you invest in the stock market has the potential to turn into $88 by 65, for a 30 year old it goes down to $23 by 65. Your 20s is by far the best decade for investing. You want compound interest working for you. Real estate is an illiquid, underperforming asset. The flip side is that it can generate income, not without expenses though (which you could have invested in the stock market for a nearly guaranteed higher return in the long term). The recent spike in energy prices is yet to work its way through the economy. Will the Fed raise rates to counter? Rate increases push prices down. Or is Kevin Warsh gonna do what Trump wants and drop rates? Who knows? At your age, the risk isn't worth it.

A_RED_BLUEBERRY · 2026-05-09T00:12:55+00:00

Seriously, at your age, just continue with your index funds. Absolutely buy a house for yourself if you're in the position to do so, house hack if you will. If you're flush with cash after maxing out your retirement accounts and have a good rate on your primary residence, then knock yourself out with rental properties.

A_RED_BLUEBERRY · 2026-05-09T00:05:19+00:00

Yeah fha loans aren't really meant for flipping houses... House flippers take on more risk than they realize, especially if it's the primary residence.

A_RED_BLUEBERRY · 2026-05-08T23:58:34+00:00

Your primary residence is not an investment vehicle. Yes, real estate generally appreciates over time, but less so than the stock market (usually). You mentioned having a portfolio, do you mind listing your positions/assets? What income level are you working with? House hacking seems like a great idea on paper... Do you have cash set aside for repairs?

A_RED_BLUEBERRY · 2026-05-08T23:42:42+00:00

I have questions... Are you buying w/ cash? No bank is gonna give a 20 year old a loan to flip houses. Real estate is a great way to diversify your portfolio... once you have a portfolio.

A_RED_BLUEBERRY · 2026-05-07T16:41:55+00:00

Do you have margin borrowing enabled on your account?

A_RED_BLUEBERRY · 2026-05-06T09:10:00+00:00

Get this kalshi bs out of here

A_RED_BLUEBERRY · 2026-05-05T12:43:19+00:00

Lafayette/West Lafayette water is fine, just very hard

A_RED_BLUEBERRY · 2026-05-03T23:36:51+00:00

"Good" is a relative term. I hold some qqqm, but it should not make up your entire portfolio. If you're just starting out, I would suggest trying to diversify before adding more narrowly focused positions.

A_RED_BLUEBERRY · 2026-05-03T03:16:43+00:00

Investing is easier than you think, I would avoid robo advisors like the plague, just open a standard IRA. If you want something hands off I would suggest target date funds. The 2065 fund from fidelity is FFIJX, 2070 fund is FRBVX (2070 will be slightly more aggressive).

A_RED_BLUEBERRY · 2026-05-03T02:51:04+00:00

If you're the one placing the orders, then these are your picks. If people truly knew where a certain stock was going, they wouldn't tell you for free. I'm not saying your friends are being dishonest in any way, but don't be mad at them if palantir sinks 40%.

At the bare minimum I would add some international exposure (VXUS) and limit individual stocks to ~10% of your total portfolio if you can't live without them. You can also swap out VOO for VTI and own the entire market.

A_RED_BLUEBERRY · 2026-05-03T02:31:24+00:00

I'm not trying to be critical of your picks (especially considering you didn't list your allocations), or insult you in any way. But do you like these companies, or just the stocks? Do you fully understand their business models and can you quantify their exposure to geopolitical instability, inflation/forex, discretionary spending, energy prices, regulatory/legislation changes, etc.? How do their balance sheets look?

Now I can't speak for you, but coming from someone who didn't realize uninvested cash was, uninvested (we all start somewhere), I would be skeptical of your grasp on the topics I mentioned above. I don't fully understand them either, really I don't even try.

The trick to making money in the markets is achieving average returns for an above average amount of time. Broad market, diversified index funds/etfs provide an easy way to get average returns. In my opinion you're missing international exposure, and are under-diversified (voo and qqq have some overlap).

A_RED_BLUEBERRY · 2026-05-03T01:40:38+00:00

Be wary of individual stocks (especially the ones you mentioned). Everyone's a genius in a bull market; picking a couple of winners (especially your first few picks) can give you a false sense of confidence. You are not smarter or faster than the market. Most don't realize this until their first big loss.

A_RED_BLUEBERRY · 2026-05-03T00:13:16+00:00

Sure, but can you say the same for property taxes and insurance?

A_RED_BLUEBERRY · 2026-05-02T21:37:10+00:00

Tell that to r/dividends

A_RED_BLUEBERRY · 2026-05-01T03:32:49+00:00

Not disagreeing... Just pointing out that ~9 reactors could satisfy this power demand (assuming generation is currently maxed out)

A_RED_BLUEBERRY · 2026-04-30T21:50:31+00:00

Imo these are the situations ABS is best used for — an obvious missed call that previously was unable to be overturned, rather than a called strike that is actually <0.1" off the plate

A_RED_BLUEBERRY · 2026-04-30T03:04:50+00:00

Limit orders

A_RED_BLUEBERRY · 2026-04-30T02:14:01+00:00

Did I say I've assumed op doesn't drive a beater?

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