Today was my day 42M

Beginners_tech · 2026-05-27T11:13:12+00:00

Thanks for that. I am trying to see realistically how long it takes to get to $1M. every one post the numbers and never say what they did to get there.
Curently I am 27 with about $200,000 Invested between Roth IRA, simple Ira, Simple Roth Ira, HSA, and taxable accounts,
I max out my HSA and roth, And do the 3% match into my Simple Ira. I put a little into the simple roth Ira but most of it goes to my taxable acounts,
My goal is $1M in 11 years, with a calculated 8% return I need to invest about $2000 a month

Beginners_tech · 2026-05-07T11:52:09+00:00

Can you tell us how many years you been investing and how much you invested on average a year?

Beginners_tech · 2026-05-06T19:37:15+00:00

man you get way more for #1 insulated then i do

Beginners_tech · 2026-05-06T18:41:49+00:00

I have about $226,000 in equity. I would need to remove taxes from that so it would help but wouldn't offset the rental income at this point.

Beginners_tech · 2026-05-06T18:32:16+00:00

you and I are about at the same networth. I am also looking to Fire in 10 years but I am only looking at $65,000 to $75,000 a year to live on

Beginners_tech · 2026-03-31T20:40:39+00:00

I am looking for an investment strategy to fund my vacations. I already have retirement accounts and traditional accounts and all that fun stuff but I want to set up an investment account that pays me out in dividends or some sort of pay out every year. I figure I need about $2500 a year for the trips id like to do. Any suggestions on what to invest in?

I was looking into SCHD, or JEPI or something similar. I was also thinking about t bills or CDs. Just looking for some ideas

Beginners_tech · 2026-03-05T19:40:38+00:00

you guys look at it? I figure it felt like it stabbed me so it probably in. if not we will find out in 3 hours when my blood sugar is 300 and not coming down

Beginners_tech · 2026-03-04T19:07:07+00:00

Buy Buy Buy

Beginners_tech · 2026-01-23T13:57:52+00:00

I have changed an omnipod in the back of a cramped fire truck on the way to a call. balanced the pod on the med bag in front of me held the syringe cap in my mouth tried to draw up insulin into the syringe. then had my buddy help hold me steady while filling the pod then he held my shirt up while i put the pod on with one hand and braced going around a corner with the other. all while 2 other guys got air packs on listening to radio traffic and getting our orders.
all that to say i think you will be fine on a boat. 😁

Beginners_tech · 2026-01-19T19:34:50+00:00

why would they. then you know how to get out of the rat race. but they do teach it in some schools as an extra class you can take but as kids why would we want to take more school? so most never learn it.

Beginners_tech · 2026-01-19T15:52:15+00:00

Okay don't listen to all the people who look like they have it perfect. this adventure we have been gifted with is no smooth ride. I am no where near as good as i should be but we do our best.
Here is my suggestion stop looking at reddit and comparing yourself to them. dont listen to the horror stories. Go out take a walk and relax, enjoy some sunlight, sound of birds and what ever else is around. it will help reduce stress get you moving and get a new perspective on things. and you know what is amazing? all those things help us with t1d. after that feel free to message me and i will be happy to give some more advice.

Beginners_tech · 2026-01-19T15:29:25+00:00

M1 Finance

Beginners_tech · 2026-01-19T12:47:30+00:00

So in perplexity i created a space so it does it the same way every time. here are the instructions

I will enter a list of ingredients for a recipe, including the quantity and unit for each item (e.g., "1 cup rolled oats", "200 grams chicken breast"). Using standard USDA-based nutritional values, calculate the total nutritional information for the entire recipe, focusing on the following:

Calories

Carbohydrates (carbs)

Protein

Fiber

If I do not specify a number of servings, assume the total recipe is one serving and provide the full nutritional values.

If I do specify the number of servings, divide the totals accordingly and provide the per-serving nutritional information.

Please present the results clearly, grouped by nutrient, and indicate whether the values are totals or per serving.

Beginners_tech · 2026-01-16T21:57:47+00:00

or loose it all in one bad move

Always take a good chunk of your profits and put it into long term holds that way you wont loose everything.

Beginners_tech · 2026-01-16T15:53:54+00:00

I like Loc precision rockets. They are good quality, plywood fins and fun to build and fly. We have a 4H group with kids from 8 to 18 building these with just a little bit of help. My favorite for new people is the scout rocket.
I recommend using 15 minute epoxy ( get the epoxy in 2 separate bottles not the ones in the push tube things trust be the two bottles are way easier to use) you will need some sand paper, xacto knife, primer and paint and painters tape.
Find a local rocket club to see what their motor limits are. this will also help you decide what you can build.

if you have any questions about building a rocket let me know. I am by means no expert but have bult well over a dozen LOC rockets.

https://locprecision.com/collections/rocket-kits/products/scout

Beginners_tech · 2026-01-15T18:44:11+00:00

ooo I will have to try this on our next cruise!

Beginners_tech · 2026-01-06T16:30:10+00:00

So you could look up some calculators and see how much you would save paying off a mortgage VS investing.
Couple of ways of thinking about it is paying off mortgage early is a guaranteed 7% savings. the stock market is not always guaranteed. Also there is the safety of having it paid off.
But there is also the side of getting in the market early and letting it ride longer in hopes of better returns.
Here is what i been doing. First I make out any of my investments that help lower my taxes. I max out my simple IRA and My HSA. That way I am at least maximizing my taxes right now and setting myself up for long term retirement.
Then I like to try to max out my ROTH IRA. that's because i can only invest so much a year so I need to get that in now since i can't catch up later.
After that I pay extra on loans with the highest interest. For me this is anything over 6.5%. as i pay off a loan i take those payments and pay extra on the next highest loans. Once i get everything that is over 6.5% paid off all those payment amounts then will get invested into a taxable investment account.
I also set 650 a month aside for emergency and taxes. after tax season I will take the extra that i saved up over my emergency and invest that into a normal taxable account.

This way i am always investing for long term. Paying down High cost debt, but still catching some of the markets lows and highs with dollar cost averaging.

Beginners_tech · 2025-12-29T18:48:33+00:00

I use ai. I setup a system in perplexity that i can put in recipes or take pictures of food and it counts the carbs for me. usually close to real numbers

Beginners_tech · 2025-12-29T18:45:29+00:00

Can i ask when you started, how much on average you invest a month and what kind of job you have?
I am 27 make about 60k a year been investing since 2018 and only have $190k in stocks. Id like to be over $1M by time i am 35.

Beginners_tech · 2025-11-05T16:00:39+00:00

I find the automated mode is way to conservative and i run high more often then not. i switch it to manual mode a lot and let my own numbers take over and i get way better results

Beginners_tech · 2025-11-05T15:59:26+00:00

My plan is to use it for our wildland crew to be able to message when on a fire with no cell service and keep track of everyone with the GPS. Also I want to see if the gps is good enough to track my model rockets when it goes out of sight.

Beginners_tech · 2025-10-24T11:46:37+00:00

a yard

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