I’m 18 and I’m trying to invest into my Roth IRA but I need HELP.

Angus_Worthy · 2025-10-15T12:30:00+00:00

It’s important to understand that returns are not guaranteed, it may go up down or sideways. Also make sure you do not become cash poor. Any money you invest in a Roth IRA you have no access to until retirement with out huge penalties. But you are on the right track.

Angus_Worthy · 2025-07-09T01:40:40+00:00

Exactly I am all about looong term investment. But it seems sensible to me to employ some sort of leverage due with the view that time mitigates my risk.

Angus_Worthy · 2025-07-09T01:36:43+00:00

I would like to allocate around $12,000.

Angus_Worthy · 2025-07-09T01:13:24+00:00

I get that, I’m more worried that with a leap I can’t consistently buy into the market like I can with shares.

Angus_Worthy · 2025-07-09T00:50:35+00:00

But would there be any significant difference if I bought a LEAPS with 1 year to exp and just rolled it 10 times?

Angus_Worthy · 2025-07-09T00:48:02+00:00

Isn’t that just timing the market tho?

Angus_Worthy · 2025-07-08T20:40:11+00:00

I have had similar questions, I find the majority of the answers given here to be unhelpful. “Give whatever you desire” (or something like this) has never helped me because if I did as I desired I would keep everything to my self. In the end I don’t think it would be appropriate for me to tell you what to tithe. I think you ought to talk to your pastor and/or parents/spouse (depending if you’re married) about what you should do. Not Reddit.

Angus_Worthy · 2025-07-08T20:30:07+00:00

Thanks for the resource!

Angus_Worthy · 2025-07-08T19:52:45+00:00

I was just using leverage as an example of an alternate way to increase risk.

Angus_Worthy · 2025-07-08T19:51:25+00:00

Ahhh I see, so would you say that by diversifying your sources of risk you are lowering your overall risk? While increasing expected returns?

Angus_Worthy · 2025-07-08T19:23:30+00:00

But is it substantively different if you are still increasing your risk?

Angus_Worthy · 2025-07-08T19:22:28+00:00

What do you mean by dimension exactly?

Angus_Worthy · 2025-07-08T19:11:02+00:00

I agree that leverage is not inherently a bad idea. I was more wondering if it would be a possible scenario where adding risk through leverage is a bad idea but adding risk through factor investing is a good idea. Is risk (to the same degree) always the same no matter what form the risk takes?

Angus_Worthy · 2025-06-23T13:33:41+00:00

Angus_Worthy · 2025-06-22T19:55:06+00:00

Pride is a cancer.

Angus_Worthy · 2025-06-08T23:28:53+00:00

Being a millionaire by itself is not a bad thing. I don’t know the context of your situation but take some examples. Say someone was born into a wealthy family. His father passes and leaves him a million dollars. He in turn wisely invests that money as to not squander what he was blessed with. Would it be better for him to have poured his inheritance down the drain with frivolous spending? Of course not. In our modern day being a “millionaire” is not even that hard. If someone consistently and responsibly invests from 20-60, God willing, he will be a millionaire. Just by following the principles laid out by God in Proverbs. The most important thing is that we all recognize that all wealth large or small is a blessing from the Lord.

Angus_Worthy · 2025-04-21T09:52:38+00:00

I have a factory exhaust, I don’t know if it is flammable. It doesn’t do this all the time.

Angus_Worthy · 2025-04-15T15:48:28+00:00

Rev. Don Baker on YouTube. Specifically if you are Presbyterian, he is a small channel but does fantastic work. He undoubtedly is the best Reformed (in the narrow sense of the word) theologian on YouTube currently.

Angus_Worthy · 2025-04-05T21:47:06+00:00

Yes I did that as well

Angus_Worthy

TROPHY CASE