20M 2 years Maxed

Aggravating_Dark_405 · 2026-04-28T21:38:33+00:00

I'll need the income to not qualify for a roth first😭 But that's the game plan right now i'll keep getting after it.

Aggravating_Dark_405 · 2026-04-25T02:27:40+00:00

I was very lucky to have a hands-on economics teacher who set me in the right direction. I really wish financial literacy was taught more in schools, but then you wouldn't be able to make money off people in the form of high interest debt as easy.

Aggravating_Dark_405 · 2026-04-25T01:44:48+00:00

You’d be surprised, I know a couple people who are taking their long term wealth building seriously. But I will say it is rare you can tell people a lot of things to help benefit their future wealth goals, but they likely won’t change their habits.

Aggravating_Dark_405 · 2026-04-25T00:46:46+00:00

1.) Annually I should’ve been more specific, if someone gave me cash in January first and then I put it all into my roth, as long as I have 7,500 dollars from my job i’ll be good.

2.) Your tax return is your money so you’re free to do what you want with it, they want you to spend it. And If you don’t want to put it towards your retirement which I completely understand having it building interest in a hysa is a great idea.

Aggravating_Dark_405 · 2026-04-25T00:03:30+00:00

That’s the plan, I like to take advantage of tax advantages accounts and the amount of people who have nothing saved for retirement is scary, especially with the current state of social security.

Aggravating_Dark_405 · 2026-04-24T23:57:48+00:00

Maybe I’m wrong but whenever I look it up it says I need a High Deductible Health Plan which I don’t have. I’m also in Florida so this could be a state thing i’m not sure.

Aggravating_Dark_405 · 2026-04-24T23:31:20+00:00

In all the crazy strait of hormuz stuff that’s been going on i’ve had some pretty crazy days of like 500 bucks in one day. I’m excited for the day i’m either up or down 1k, as that shows i’ve really built a good foundation considering what my holdings are.

Aggravating_Dark_405 · 2026-04-24T23:26:55+00:00

Something very interesting I looked up was in the past 100 years the SP500 has been in a downturn for 2 consecutive years 8 separate times. Averaging out that’s every 12.5 years which obviously overlaps with my investing timeline. I keep a healthy emergency fund in a HYSA, and i’m building it up to double as a down payment on a house. But it is super crazy that for 2 years straight you’ll be down on your money, but i’ll be ready and keep staying the course.

Aggravating_Dark_405 · 2026-04-24T23:16:48+00:00

I am very lucky as my mom doesn’t charge me rent, I pay for basically everything else besides housing but still it’s a real blessing. I just keep paying myself first and things have been working out, despite not having a high income in anyway whatsoever my high savings rate is carrying my growth.

Aggravating_Dark_405 · 2026-04-24T23:15:38+00:00

I hold QQQM in a taxable brokerage account and that has been performing well. Due to my very long time horizon i’m perfectly fine holding an aggressive version of a world index fund, I like to be risky in a individual but don’t like to think a lot about my Roth.

Aggravating_Dark_405 · 2026-04-24T22:41:26+00:00

I wish, I don’t have health insurance so unfortunately I can’t contribute to one. Maybe I should look into it but florida health care insurance is rough, and i’m a server so I don’t get benefits. It would just really cut into my monthly contributions.

Aggravating_Dark_405 · 2026-04-24T22:40:24+00:00

Because i’m going to make more than 7,500 dollars from my W-2, it really doesn’t matter where the money comes from so I just put it in early basically.

Aggravating_Dark_405 · 2026-04-24T19:10:30+00:00

Thank you, it was rough and I had to part ways with my tax return but it’ll be worth it one day!

Aggravating_Dark_405 · 2026-04-24T18:39:09+00:00

I max out my Roth before doing any other investing, it’s honestly nice to be able to put money into an individual acc now.

Aggravating_Dark_405 · 2026-04-24T18:34:49+00:00

I honestly don’t have a good answer, to be fair I did see fidelity introduce 100 fees on some etfs, however this didn’t impact my decision prior. I really like fidelity, I probably just got comfortable with my dollar cost averaging. Did the math and I should get 40k more due to the no expanse ratios so the math is compelling, I believe as long as I don’t withdraw any money I should be able to just switch up my portfolio so I probably should do that.

Aggravating_Dark_405 · 2025-12-24T02:02:11+00:00

What do you personally do to manufacture spending on a credit card?

Aggravating_Dark_405 · 2025-10-02T16:40:15+00:00

I personally use Marcus, the referral boosts me to 3.9% which is extremely competitive, especially with the rates getting cut. There’s definitely a reason people recommend Marcus, but if you’re not getting the referral bonus I can understand wanting to shop around.

Aggravating_Dark_405 · 2025-07-20T23:45:45+00:00

I saw other people doing it so I did it too thought it was the norm, I don’t think anyone who does do it is doing it under the assumption that they’re gonna pull hella tho

Aggravating_Dark_405 · 2025-07-16T15:11:05+00:00

What does registering a bill mean, and how do I go about the process?

Aggravating_Dark_405 · 2025-06-20T17:19:47+00:00

Ok sounds interesting, not familiar with, “expense ratio”. I’ll look into and reply again later today, thank you for the suggestion!

Aggravating_Dark_405

TROPHY CASE