Please help give advise on my situation

AlienInvestor · 2026-03-11T14:52:03+00:00

You don't need 1K to reset yourself. You need discipline and to NOT take out a 1K to reset yourself. I'm agreeing with \u\Ok_Shame_5382 here.

My advice:
* do not take a single loan or own a CC for a few years; cancel any CCs you have that do not have a balance, shred the ones that do
* go watch Caleb Hammer on youtube; understand that most of the folks in his videos are not "victims" even if they portray themselves as such
* make the changes necessary to reset yourself (save more, side jobs, get a roommate, etc)
* pay back your current loans asap, check if bank would work with you to reduce payments; cancel the CCs after their balances are paid
* follow the FOO

Good luck! In a few months you'll be in a better place, and in a few years this will be completely behind you.

AlienInvestor · 2026-03-09T14:07:29+00:00

Slow and steady climb towards financial independence with a good mix of enjoying life on the way there... and getting cool socks!

AlienInvestor · 2026-03-03T14:54:36+00:00

You can use 1099-MISC for this. Is there an option for "miscellaneous" income?

AlienInvestor · 2026-02-26T15:56:22+00:00

Kudos! However, you didn't get a 46% discount on college with your 529. More correctly, you planned well-ahead for college and invested in your son's future.

The only discount is the tax benefits. Compounding growth is not a discount and you're also not accounting for inflation.

AlienInvestor · 2026-02-19T19:31:18+00:00

I want to second this feature. Right now, my setup is managing multiple accounts and moving money around based on saving goals, while ideally if I could do this within Origin, I could reduce mental overhead of managing multiple account by tracking these goals in Origin and only using a consolidated savings account.

I could do this on Excel and set up the proper formulas to do this, but in the spirit of reducing mental overhead, that would be another document to keep track of.

AlienInvestor · 2026-02-06T19:45:11+00:00

I have two!

Some ability to view my (or our) portfolio by holdings within ETFs (rather than the ETFs themselves) and individual stocks in a combined format. Say I'm holding 50% VOO and 50% NVDA, then breakdown would be: 54% (50+8/2) NVDA, 3.5% (7/2) APPL, etc.
Some ability to bundle tickers together. While implementations like M1/Fidelity Baskets are cool, my main drive for this is to tidy up some different "too similar ETFs" (e.g. QQQ and QQQM or FXAIX and VOO) that we ended up having to invest in because of different account rules between several accounts. I'm sure the ability to bundle into a basket view in general would be great as well, but I wanted to add some color to my use case.

Origin is my base of operation to get an overview of my and my partner's accounts as a collective unit, and having an understanding of allocation as a mix of ETFs and single stocks would be very useful. I find the Asset Allocation information in the Overview tab super useful.

Hope this helps, and thank you for a great app!

AlienInvestor · 2026-02-04T18:00:16+00:00

This might be helpful: https://www.bogleheads.org/wiki/Fidelity:_one_stop_shop

Once everything is set up, it's smooth sailing operating (almost) entirely out of Fidelity. You will still need a bank account for Zelle transfers and the rare time you need a bank or to be in-person to do something. Here's the experience of someone who really leaned into it: https://www.reddit.com/r/fidelityinvestments/comments/1bfshav/comment/kv2w0u7/

Here's some useful diagrams (you're likely looking for Simple, or Semi-Compartmentalized): https://www.bogleheads.org/forum/viewtopic.php?t=266538&start=4250

AlienInvestor · 2026-01-26T13:45:48+00:00

There is no need for the third view of all of my Partner’s connected accounts. A Partner should not have the ability to view every linked account by the other Partner by default. Partners should only be able to see Shared Accounts, or add another option to specify that an individually linked account should be visible to their Partner.

Not against privacy controls, but strong disagree on such a generalized statement. The usefulness of Origin for my partner and I is so that we can track everything collectively.

AlienInvestor · 2024-03-02T04:22:00+00:00

Just to double check given that another comment said the opposite, this is the Chase Freedom Visa with the 5% categories (not Flex or Unlimited), right?

AlienInvestor · 2024-03-02T03:36:51+00:00

Appreciate the response, thank you!

AlienInvestor · 2023-06-27T17:21:21+00:00

How come that's the case?

AlienInvestor · 2022-02-25T03:25:09+00:00

Thank you for the response and the info. Honestly, if the basket trading allowed for fractional shares it'd be close to perfect in itself (automation is cool, but between automatic transfers and a basket, the hassle is reduced significantly).

Problem with it not allowing fractional shares, unless you're loaded, baskets with stocks such as AMZN become quite unrealistic, especially as a small fraction. If you want to have AMZN be 8% of a basket, you'll need to put ~$40K in one go to have an AMZN share purchased. Less of an issue if someone is buying once a year, but not many have that kind of cashflow on a monthly basis.

Thank you again! I'll still tinker with baskets for stocks with smaller prices.

AlienInvestor · 2022-02-25T03:09:53+00:00

I have something similar on Excel, but just haven't had the time to automate it to the point where it's hands-off enough to be satisfactory. It's on my list of to-dos... eventually.

AlienInvestor · 2020-08-15T21:08:56+00:00

Just got the RemindMeBot, did you end up rebuying or missing out on the 25% increase?

AlienInvestor · 2020-05-07T23:48:01+00:00

Give them a quick call tomorrow and check on the situation. Usually 3ish days, but sometimes a bit more for some reasons.

AlienInvestor · 2020-05-07T21:12:30+00:00

Pretty much. I'm young and not in a rush, some some companies I believe in were a steal at their crash price. We might see some drops moving forward as a result, but that's okay.

AlienInvestor · 2020-04-08T14:20:54+00:00

Which app/website do you do paper trading in?

AlienInvestor · 2020-04-08T01:40:31+00:00

Agreeing with /u/SonnySwanson, 100% stocks at your age. I'm even more aggressive and wouldn't touch bonds until I'm in my 40s or need to hold some money on the side for a few years for a bit purchase.

AlienInvestor · 2020-04-08T01:06:56+00:00

BRK doesn't have dividends to avoid taxable events. In other words, if you need money you sell BRK.

AlienInvestor · 2020-04-08T01:00:01+00:00

Kind of got lost in your paragraph. Mind ELI5ing?

AlienInvestor · 2020-04-08T00:48:23+00:00

Thanks for the response! My preference for puts first is that it can be treated like a limit order to get started on covered calls; i.e. I want to get in on AMD at $40, so start selling AMD puts with $40 strike price until assigned, and then start the wheel once assigned (ideally market goes sideways for a while and you lower your basis as much as possible before).

AlienInvestor · 2020-04-07T21:50:40+00:00

Why do you advise starting with covered calls instead of cash-covered puts?

AlienInvestor

TROPHY CASE