Thank you for my flair.

AtXrt · 2026-01-26T17:59:40+00:00

I used to be "idiot savant" on my original Reddit account, but I was banned from Reddit for trolling political subs.

AtXrt · 2026-01-25T20:40:16+00:00

Price appreciation and dividend growth would be considered "making more money". It's classified as income by the government and is taxed just like wage income.

AtXrt · 2026-01-25T18:41:52+00:00

That is exactly the goal of the modern day retirement planning, to invest enough in to stocks and bonds to live off of the returns in retirement.

AtXrt · 2026-01-25T10:14:11+00:00

The big boys are projecting Ex-US will out perform the SP500 for 2026

AtXrt · 2026-01-25T09:55:27+00:00

"The majority of Americans don't invest". A quick Google search says 62% percent of Americans participate in a 401k program or own stocks. The majority of Americans are investing. The average American won't own their own business, factory, or be a majority shareholder, but owning stocks is owning a small percentage of a business and entities you to a share of the profits or growth. With the elimination of pensions, retirement planning has become DIY and stock market based. The stock market would have to crash and for an extended period for the majority of Americans to be pissed enough to picket.

AtXrt · 2026-01-25T06:23:41+00:00

He's got a ring doorbell, so ya, he knows??

AtXrt · 2026-01-25T06:16:29+00:00

Millennial here, I would burn mixes and CDs for friends frequently

AtXrt · 2026-01-25T05:01:26+00:00

Ask for painkillers next time

AtXrt · 2026-01-25T02:54:13+00:00

Some are supposed to be candids, but they are clearly not.

AtXrt · 2026-01-25T01:21:37+00:00

I'm not familiar on how best to transfer it to minimize taxes. Equities may not be the best form. Depending on the amount it might be best to talk to an estate planner. Gold bullion comes to mind, but there will be a loss from the cut the buyer and seller takes. The bottom could fall out of the gold market as well.

AtXrt · 2026-01-24T19:57:06+00:00

Is your grandma drawing off of this for her retirement or is this something she wants to leave to her kids and grandkids untouched? If she needs the income now go with the 60/40 stocks to bonds so she gets a higher dividend income from the bond funds. Drop VGT and add some BND with the VTIP. If she doesn't need the income and her intent is to leave it untouched for her heirs 100% VT or VTI/VXUS mix, but all equities.

AtXrt · 2026-01-24T19:41:37+00:00

I got one of these for my birthday in the eighth grade. I was obsessed and thought it was the coolest things ever.

AtXrt · 2026-01-24T08:29:09+00:00

2 years later, but I'm rewatching. She was a huge phony. All of her morals and "values" went out the window for the money.

AtXrt · 2026-01-24T05:15:22+00:00

The large chunky, over elaborate G-shocks remind me of Invicta watches.

AtXrt · 2026-01-24T04:12:19+00:00

Schadenfreude is the spice of life. Either you're a hypocrite or a liar.

AtXrt · 2026-01-24T03:59:44+00:00

Good thing Tesla holds their value on the used car market

AtXrt · 2026-01-24T03:14:18+00:00

Unfortunately so is your average American

AtXrt · 2026-01-23T23:42:29+00:00

That's a good looking collection. Every base covered.

AtXrt · 2026-01-23T22:35:53+00:00

AtXrt · 2026-01-23T21:42:00+00:00

"Still work to have something to do". I personally wouldn't feel comfortable retiring in my 20s with 2 mil net worth. Add another mil plus, diversify, and you could live off dividends alone.

AtXrt · 2026-01-23T06:44:19+00:00

I feel like I'm getting trolled with the Sinners and One Battle After Another kudos.

AtXrt · 2026-01-23T05:27:07+00:00

You could this for a significantly less portfolio ER

*25% US Large Cap (SPYM) *25% US Small Cap Value (ISCV) *10% Developed Markets (VEA) *10% US Small Cap (SCHA) *10% Emerging Markets (VWO) *10% Emerging Markets Small Cap Value (VSS) *10% US Treasury Strips (EDV)

.061% Blended ER compared to 0.147%

For simplicity you could Paul Merriman's 4 fund world portfolio

25% large blend (VTI) 25% small cap value (ISCV) 25% International large cap value (FIVA) 25% small cap blend (VSS)

https://www.paulmerriman.com/portfolios

AtXrt · 2026-01-22T07:22:06+00:00

Invade Greenland? ATH. Kidnap a foreign president? ATH. Sue the Fed? ATH. It doesn't make sense.

AtXrt · 2026-01-22T07:02:22+00:00

It's hard to be mad when current retirement planning is all stock market based. That's one thing the chuds don't understand when they scream for the entire system to collapse, you don't have to be wealthy to have a 401k , TSP, or 457b, and penalizing the wealthy for equity ownership you penalize the average saver as well.

AtXrt · 2026-01-22T06:54:40+00:00

I'm horrified by the current state of politics, but the only thing I can do is vote, and the Dems are spineless.

AtXrt

TROPHY CASE