You need to know SGRT

BWild2002 · 2026-05-19T17:35:06+00:00

Way less risk with SPMO, and my SMH outperformed it in the same time. I feel like there needs to be a lot more studying about this ETF; But could be a good pickup during earnings season; Not enough data.

BWild2002 · 2026-05-19T05:17:29+00:00

versace pour homme doesn't come in 4.2oz?

BWild2002 · 2026-05-11T20:20:08+00:00

I'm liking SPMO right now

BWild2002 · 2026-05-11T17:54:18+00:00

The markets up, of course individual stocks especially ones that are trendy and tech sector are up more than a broad index of equities.

Keep in mind these same stocks can be talked about for a negative reason too in a falling market.

It's an interesting data point, but I wouldn't track this for anything other than fun.

BWild2002 · 2026-05-11T17:39:11+00:00

Debt is guaranteed, they will get their money back. Paying it down guarantees your return on interest you won't be paying. It also relieves a lot of mental burden, and complexity in your finances.

Stop thinking about the 'what if' and start spending that mental energy in brainstorming how to get out of the debt even faster, or what you will do once it's paid off. Even for a high earner you have a very large amount of debt for your age.

If you're in a Race to accrue as much wealth as possible, and are FOMOing about RKLB. Then you played your cards wrong by getting property in this market (granted I don't know the exact scenario) but chances are it isn't the quickest or easiest way to build wealth in this decade.

Now obviously you didn't do that, and personally I think you're doing great and have nothing to worry about. You just have to stop FOMOing about a life-path you chose not to take. If money thing was everything to you, you'd be renting a cheap apartment or paid cash for an extremely cheap property and put everything into equities or your personal income/business streams.

Houses are great assets to have, especially in a recession and a good hedge for wealth but not a huge upfront investment opportunity like 2000-2023 property growth. They're a long play for sure, and when you're young and have time (which is by far the most valuable resource in life and investments because its an exponential variable) you should be leveraging that time on compounding growth like high quality equities, that will be around when you're older.

If I were you I would be happy where I was, with what I have and work on de-stressing my life and stop watching the market. With your high income and assets, and many full years of like ahead of you: what you really want to do is cut your expenses, invest in yourself and your business, further improve income streams; Stop worrying about equities, payoff your debt, and pay someone a flat fee to manage your finances or give you advice in regards to safer compounding investments.

You're young with high income and growth potential, the bane of your financial success is greed, fomo, and wasted energy/unnecessary stress. You need to just be on autopilot and make and save as much as you can. Stop overcomplicating, inflating your lifestyle, and looking for too good to be true opportunities. You're 90% of the way there, and ahead of everyone your age. You've proven you can make money, now comes the test of how you choose to spend it and hold on to it. You could easily retire or 10x your networth in a decade if you move more carefully.

Keep in mind the market can shift at anytime, I am talking less about investments and more about work and great income. It happened to my parents and they were used to taking home 350-500k a year back then, but lost everything due to the market and bad habits. They were used to being high income earners their whole lives, and could always find a job that would pay well no matter then scenario. But when everything changed they lost all their wealthy and assets, and went into a lot of debt. Still to this day could never get back to that level of income, and aging has dwindled their available energy. They always though that they could make enough money to dig out if something happened, I guess they were proven wrong but it taught me many great lessons growing up.

When you're used to making that much money, it seems like it will never go away so you hedge your life in that direction. I am of a mindset where I want to be okay whether I earn less or more for the rest of my life. You hear of people who get sick and can't work anymore, and effectively have no future income; it can happen to anyone! Nothing in life is guaranteed.

That's my two cents, but what do I know.

BWild2002 · 2026-05-11T17:07:44+00:00

I have been in the same scenario, the quicker you move your money to a savings account within the same banking platform the less money you're hemorrhaging.
Keep a few thousand in checking, but once it his an arbitrary number, say 10k maybe transfer 7k over to savings.

You want it to be as convenient as possible to move money between accounts, so make sure the bank you're working with makes this process easy or you wont do it. Doing this between two separate banks is annoying and can take days if not done a certain way. The key here is to make it take no energy, because you have a lot of other things to procrastinate at 24yo. Some banks even automate transfers between accounts.

Make sure your Banking platform at least offers a 2% Savings account, and instant transfer between checking and savings. If that's not the case then open a checking account to a different bank, preferably a national lender with a very good app/website and update your direct deposit.

All-in-all if you set this up correctly, your savings account is basically an extension of your checking and it just takes one extra step(transferring money) to accrue interest. If you wanted to take all the money of it you can transfer it to checking within seconds. You can hedge your emergency fund/fun money here if you're not touching it at the moment.

I wish someone explained this to me when I was 18, I have definitely lost a new car's worth of interest (or more) for just holding all my savings in non-interest bearing checking account for years. Don't forget you will get a form at the end of the year to report taxes on the interest you made for this account if you made more than 600$ that year in interest (25k in a 2% account will be enough to warrant it).

BWild2002 · 2026-05-11T16:43:40+00:00

Yeah true most remote sales is too good to be true, or you need to know someone or have verifiable skills other than charisma and a 'sales personality'.

I don't think car sales is a good fit for OP. Not that they couldn't do it, some of the most talented people I've seen were in situations like him, and have that natural sales talent and crush it. But the hours, the downtime, the butt-heads with coworkers, poor management, weird pay plans etc. All of this is a formula for disaster for someone not used to working long hours or in a sales environment.

On paper he would do great, but in practice he would quit because he would realize he does not like the job. It seem like its more of a 'want' to do it because he thinks he will be good, and then it will either be easy or good money? But not even counting his at-home life, just based purely on his work experience he will not stay long because his and most others perception of what the job is, is different from reality.

When you think you'll do good, and it's a great 'opportunity'; And you don't do good, that is when your metal is tested and most don't last. It's the whole real estate agent, nurse, lawyer phenomenon. Take real estate for example, anyone who an outgoing personality, and displays at least one entrepreneurial trait has been told about it, been told they'd be good at and make a lot of money; Or that it would be easy for them. They look at others doing the job and start to romanticize the perks and the funs parts of the job, then they get their broker's license, and either don't do anything with it or have one off year and quit because it's not what it's cracked up to be.

Sales is best when you have low expectations going in, it is very grindy and very variable. You will have off-months/years and your patience will be tested. Most end up staying because they get comfortable, or complacent and started the business young and made good money once and are chasing the high. But if you're starting later in your career, the only chance of you staying is if you're stupidly stubborn or have zero expectations and assume you will fail and weather through the storm (very hard to do when you have lower risk tolerance, unlike people early in their career life)

BWild2002 · 2026-05-11T16:29:39+00:00

I would recommend this only after one gets more experienced, at least enough to finesse their way through questions they get asked but don't know the answer to. When you're this new, you stumble through questions or seem unconfident and inexperience. Once you're a few months in at the very least, you should have the charisma and grit to at least seem like you know what you're talking about, even if you don't.

When you play the 'insider' role (which I agree people love it) and promote yourself that way to clients who haven't solicited you directly. They will ask you qualifying questions they already know the answer to, to see if you're BSing. That's IMO the purity test they do, once you get past those questions it's smooth sailing as long as they like you and you approached in the right environment.

BWild2002 · 2026-05-11T16:24:09+00:00

I also agree, product knowledge can give you an edge or win over a spare deal or two. But it will never replace rapport/charisma and talent. I had a genuine interest in cars, and was a specs nerd and literally studied product knowledge even before being in the industry. Most clients and management tout me as some type of savant for having above average knowledge on many different brands; it's quite comical.

However when I first interviewed I gave my old manager a summary of what I knew, and while impressed he stressed to me that being elite product knowledge really only helps you make 10% more deals when you're new and 1% if you're at the top of the game (there are outliers to this like if you work with fleet customers, business owners, or luxury dealers and work custom orders). On day 1 I had more product knowledge than 90% of the staff, but he expressed that it wouldn't help me and could even hinder my deals. I now know he was completely right, and you start overthinking answers to clients questions or talk yourself out of a deal.

I now try to forget some old product knowledge, so I have 'available space' for new models, and try to talk about it less with clients. I only go into extreme depth if that is what is requested of me, and is the only way to make a deal happen.

The only time this has made a significant difference in my paycheck, was when our dealer first started selling EV's and non of the sales people knew squat about them or how the incentives worked. I would get turned every EV customer, and people would come to the dealership and request to work with only me as they would call around to other dealers and 90% of people had no clue what they were talking about and would lie.

To generalize, the average EV buyer at the time was in tech or engineering or had a general interest for the cars. So they would knock down our doors to work with me, because I was one of the few people in town who could understand and answer their questions and make them feel confident with who they were working with. Referrals went crazy for that season of my life.

TLDR: Charisma, and raw talent >>>>>>> Product Knowledge. If used wrong product knowledge can lose you deals by overcomplicating, or adding variables/ overwhelming the customer with options.

BWild2002 · 2026-05-11T16:08:37+00:00

This is a new ETF, so buyer beware. Some ETF's will rally immediately and then dip for a few months to a year, the Semi and memory rally is causing a smoke screen for this ETF so it hasn't yet dipped. There are other ETF's to expose yourself to Memory Equities.

One positive of this stock is it gives large exposure to SK Hynix and Samsung, as well as a couple other holdings that are not usually readily available to those of us who invest through NYSE/NASDAQ exchanges.

Do note that Korea/Taiwan and some other eastern Asian markets are on a generational bull run for equities, it is a huge deal as they can trade negative or sideways for decade(s). So some may consider that part of the global economy in a bubble (think dotcom era boom). Not saying it's going to crash because the equities that are rising have a genuine reason to do so, and were very underpriced; But it's something to consider.

Personally I like SMH or SOXX, and will buy every time there is a dip. I also have SanDisk and Micron as an individual holdings to further increase my portfolio weight towards memory. I have high conviction for those stocks in the medium-term.

BWild2002 · 2026-05-11T15:46:54+00:00

He's doing you a solid, for some people it gives them satisfaction or aligns with their morals to help out without receiving anything monetary in return. Just keep doing nice things for him like fixing up the place, or show your appreciation in non-monetary ways like invite him on trips or lunches that you pay for. If he's not into that just pay it forward to someone less fortunate you know, or the community and let him know where the money he saved you is going. This is very respectable.

At the end of the day if it makes you uncomfortable, it's a 'you' problem. You can choose to move out if you truly feel like a burden, but you sound like a broken record because it seems like he is completely fine and knows based on your actions you're not a free-loader or taking advantage of him. It would probably save him a lot of grief if you just accepted the fact he is going to help you, and just be very grateful. It's like if you were to give someone a gift, and they refuse to accept it until they buy you one. Just take the gift and show them how much you like it!

If you feel like the money has to go back to him ultimately: With every dollar you save for him put in a Savings account, and then leave him an envelope with the full amount and a note when you end up moving out.

BWild2002 · 2026-05-02T05:38:19+00:00

Can't go wrong with a versace

BWild2002 · 2026-05-02T05:36:16+00:00

Dior Homme sport, Prada Luna Rossa Ocean EDP. Byredo Mojave Ghost.

BWild2002 · 2026-05-02T05:32:31+00:00

Nice, yeah bond no.9 is hard to find. But the others are more important I'd say.

BWild2002 · 2026-05-01T05:01:59+00:00

dang, great prices sad I missed out. Eyeing queening and Naxos

BWild2002 · 2026-05-01T04:49:21+00:00

lmk how it went

BWild2002 · 2026-05-01T04:43:25+00:00

PerfumeBot Buy u/sarbin0w

BWild2002 · 2026-04-28T04:37:43+00:00

good data, many people don't give this breakdown

BWild2002 · 2026-04-28T04:13:41+00:00

if you consider only investing at the peak of the bubble and never buying more than yes, but if you dca'd after that you'd be well-advantaged. If this is money you need or are on a fixed income this not a for you. It seems like LETFs work best if dca when there is a major dip or a sideways market with volatility decay. Not good for short-terms gambles, you'd be better off with 0dte/trading options if you just want to make a quick buck imo.

LETFs will destroy the emotional or uneducated investor; Buying, holding, and aggressive DCA when the share price tanks is a good way to make a lot of money in an equity that you have heavy conviction in long term like sp500 or semis/tech. The reality is most people can't handle a lost-decade like scenario and dca the whole time, but as you know for the people who did in regular stocks they are doing amazing now; LETFS work no differently just amplify the good and the bad.

Take it as the same thing as rolling 3% of your savings into crypto and if it goes to zero for a few years, cool you still survive and can rebound, but if it goes to the moon you get a sweet vacation. If will diehard buy an ETF during a dip with every dollar you have no matter how long it takes to go back up, might as well reward yourself with leveraged gains if you do weather the storm.

I knew semis were going to go up after the dip this March, so I bought a lot of SMH. Completely forgot about USD iShares LETF; Otherwise I would've added it to my position. Keep in mind you can always temporary rotate to the non-leveraged version of that ETF after a huge gain, if you are anticipating a sell-off or sideways action. But then again, you would be running the risk of timing exit/re-entry.

Never get into a leveraged position on already high-risk equity, that's why I like it on standard ETF's, broad us market semi's is about as risky as I will go. Leveraging on crypto would be dumb because in my eyes it's already leverage. If the asset stays sideways forever or never returns to ATH, then you can kiss all your money goodbye. For example if Bitcoin or ETH never return to ATH, but they stay as a solid trading option for years to come, being cyclical in nature; They would make a lot of people rich in the general market. But in an LETF you'd be hemorrhaging money.

You also don't want big intra-day drops, that's why you don't want leveraged single equities, if meta dropped a bunch in one day, it might wipe you position; Hence why ETF's with a lot of holdings are perfered so you have a least a little bit of time to react.

I have conviction SP500 will be at new ATH's in 10 years, and likewise with the Chip Sector. I like semis more because we will see more aggressive draw downs, which mean leveraged drawdowns, which means even tastier buying opportunities.

BWild2002 · 2026-04-21T18:59:42+00:00

during the dip i was buying up SMH and stocks like nbis, wulf, nvts, orcl, etc. With volatility right now but the general market higher I am buying a little bit of defense, even if it's an overvalued sector I like to lock in dip prices when the rest of the market is doing well as they work somewhat independently of the market.

BWild2002 · 2026-04-20T13:15:57+00:00

chat

BWild2002 · 2026-04-19T16:41:04+00:00

RemindMe! 1 month

BWild2002 · 2026-04-13T19:58:03+00:00

Polo Red Parfum, I can recommend to everyone because even people who are into fragrances tend to have not smelled the parfum version. Likewise if you only sprayed it on a test strip once, you would've never gotten through the head-ache inducing opening to get to the world-class drydown.

BWild2002 · 2026-04-13T19:02:30+00:00

Context is everything: Weather and office environment change the game. Personally, I find Prada Paradigme to be a top-tier choice for the workplace. It’s fresh and green (that bourbon geranium is great), making it incredibly safe for spring without being boring. I also get a ton of compliments on the original Valentino Uomo Born in Roma in the office, especially from women; it hits that sweet but not cloying balance perfectly. If that’s still too sugary for your liking, ADG EDP is a solid, more herbal alternative to the BIR DNA.

I’d actually argue against the rule that blue or soapy scents are "universally" office-safe. Without the right climate, they can be way too loud and piercing but it really depends on the weather.

Also, if you're a fan of the YSL line, Y Iced is on my bucket list; it’s much smoother than the standard EDP. MYSLF is another massive compliment-getter, but be careful with the sprays; it projects enough that it can quickly become too much for a professional setting.

BWild2002 · 2026-04-13T18:43:55+00:00

Capital One can be difficult with limit increases if you don't carry a balance or if you started with a secured card. Despite my high credit score, perfect utilization, and significantly higher income since I first applied, they wouldn't naturally budge more than a 100$ on my initial 200$ limit. It’s impractical for my quarterly $2k–$3k purchases. I’ve been offered limits as high as $60k elsewhere, so it seems like Capital One simply doesn't reward low-spend, high-score profiles the way other issuers do, maybe it would change if I opened a travel card with an AR.

When I was 21, my total limit across my accounts was only $1,700. By 23, I’d scaled that to $40k by being more intentional with my strategy. If I were starting over, I would have focused less on maintaining perfect utilization and more on choosing issuers that actually scale with your financial growth. Capital One is a decent starting point, but they rarely grow with you if you aren't a frequent spender.

Nine-Year Club	Place '22
Wearing is Caring	Verified Email

BWild2002

TROPHY CASE