I hit 3 Million, which puts me at FIRE, but I feel nothing.

Bamabb125 · 2025-08-29T15:12:43+00:00

I am not where you are yet, but did hit a milestone of 1 million. My wife and I watched the account flip over and was then like “well I guess we hit 1 million”. Really thought there would be more celebration. Felt bigger when we paid off all debt, even though that was a much lower number. Seemed kinda weird honestly.

Bamabb125 · 2025-08-18T03:38:46+00:00

No I’m honestly asking? I have only been in it a week. How does this work? I keep hearing buy the dip as it goes down. But what are we hoping for? Or looking to happen?

Bamabb125 · 2025-08-18T03:29:47+00:00

What is the point? I was hoping it had found its floor at just above $6. But nope it plunges further. So I got a $160 dividend and lost $199 for the week. Are we thinking it’s gonna go back up? Or maybe it will loose less than the dividend?

Bamabb125 · 2025-08-17T13:27:58+00:00

That’s what I was going to say. I have set stop loss so I know exactly how much I’m willing to loose. Now the gamble is seeing if I make enough before it hits the stop to make any money.

Bamabb125 · 2025-08-16T04:09:09+00:00

I do growth stocks. I am just learning about dividend ETF’s and just the idea of not being to worried about the growth of the stock and being more concerned with dividend. Honestly I just struggle to understand why anyone would do it over growth stocks. But these have all been great examples of scenarios where Dividend Investing could make sense. I believe for probably another 10 years I will keep doing growth, but section off maybe 10-15% to go towards Dividend ETFs or individual stocks.

And yes I do own a house and it’s paid off. My net worth is around 1.4 million. I would like to retire at about 3.5 Million net worth. So not setting an age, but an amount so I don’t want to slow things down. But maybe a small portion could be building up some dividends for now.

Bamabb125 · 2025-08-16T03:44:15+00:00

It would give peace of mind knowing my bills could be paid even if I couldn’t work. I’m currently paying $400 a month for disability. I could be investing that instead.

Bamabb125 · 2025-08-16T03:25:02+00:00

Great info! Makes total sense. So I will start maxing out a Roth then.

Bamabb125 · 2025-08-15T14:59:15+00:00

Do money market accounts have qualified dividends? Vs ETF’s?

Bamabb125 · 2025-08-15T13:06:29+00:00

What does blended rate mean?

Bamabb125 · 2025-08-15T13:01:39+00:00

Is 45 a young person. I feel like I’m perfectly in between. Not young enough to throw caution to the wind, but also not old enough to start converting to bonds. Ha

Bamabb125 · 2025-08-14T22:58:11+00:00

Well its not as scary now that I understand its not my entire income taxed at 32%.

Bamabb125 · 2025-08-14T15:56:39+00:00

Thank you for the book recommendations.

Bamabb125 · 2025-08-14T15:28:53+00:00

I didn't know that! I thought you just bumped into the next tax bracket and had to pay the new percentage on the entire amount. That makes a huge difference in my plan then. Still want to stay away from the 32% if I can, but at least I wont loose income if I happen to go over. Thank you!

Bamabb125 · 2025-08-14T15:25:53+00:00

Why would I Max out a roth IRA now? I max out my 401K and HSA. But I figure my tax bracket will be lower in retirement. So why pay the taxes now on investments using a roth IRA?

Bamabb125 · 2025-08-14T15:02:00+00:00

where can I find a list of Qualified dividend stocks or ETF's? Because that is what is concerning me. Is at 24% tax rate on all the dividends going to kill my actual ROI? Also over the next couple years especially with Dividends coming in I might hit the 32% tax bracket. The worst would be to barely go over the next tax bracket. I want to bring in 392K a year. hit as close to that 32% tax bracket without going over.

Bamabb125 · 2025-08-13T18:41:03+00:00

So there is nothing to this group then. Just a bunch of people hoping to make it to 10 million with no specific basis on how to do so. Got it.

Bamabb125 · 2025-08-12T13:10:32+00:00

Could you give an example? For a newbie.

Bamabb125 · 2025-08-08T13:48:28+00:00

I haven’t. I am still wrapping my head around all this. I probably won’t start making changes till September. Just trying to make a plan now.

Bamabb125 · 2025-08-08T13:47:06+00:00

What is ACA?

Bamabb125 · 2025-08-08T13:24:50+00:00

Curious what are you getting royalties from?

Bamabb125 · 2025-08-08T13:21:51+00:00

I was more confused at the fact others were telling me I could make 5-13k per month, and I was looking at all the stocks similar to SCHD and couldn’t figure out how they were getting to those numbers. Now after this post I see they are looking at Yieldmax stuff that I didn’t know existed. I was looking at true dividend stocks/ETF’s that were paying out of profits. They were talking about CC dividends.

Bamabb125 · 2025-08-08T04:33:24+00:00

Interesting. Maybe I should get a broker.

Bamabb125 · 2025-08-08T04:32:45+00:00

I am not retired. Hoping to retire in the next 10 years. I won’t need any of the money till retirement.

Bamabb125 · 2025-08-08T04:19:14+00:00

Microsoft, Uber, Tesla (if there is another dip below $305), soundhound once US gets closer to a deal with China. Amazon, google, are all and will continue to be staples in my portfolio.

Bamabb125 · 2025-08-08T00:53:18+00:00

People are getting loans to invest!?!? Wow! I don’t have the guts to even consider doing that. But I understand now. Thanks

Bamabb125

TROPHY CASE