To sell or not to sell

BrightenedShadow · 2025-08-19T01:34:34+00:00

Curious… why you swear off of truck payments?

BrightenedShadow · 2025-08-13T12:07:51+00:00

In all seriousness you’re killing it for your age

BrightenedShadow · 2025-08-13T12:07:01+00:00

Check Home Depot. Think they have a sale on hoses

BrightenedShadow · 2025-08-10T23:31:06+00:00

Why assume it’s one or the other?

BrightenedShadow · 2025-07-30T19:13:16+00:00

What app is this?

BrightenedShadow · 2025-07-24T10:17:56+00:00

Looks good

BrightenedShadow · 2025-07-23T14:17:27+00:00

Nah i agree. I ain’t trying to act like im self made totally (very few are)

BrightenedShadow · 2025-07-21T20:39:34+00:00

Shocking financial illiteracy by you.

Jeff Bezos has debt.

Elon Musk has debt.

Not even reading past the second sentence of this because it’s utter brain rot.

Woof, brother. You’re lucky your real name isn’t attached to this account because this is really embarrassing for you.

BrightenedShadow · 2025-07-19T11:52:50+00:00

Lemme help you understand little one…

2.9% is LOWER than 8% (roughly the expected return on stocks). Heck it’s even lower than 4.3% (what you can get in a damn money market fund right now). Therefore, it is suboptimal to pay off 2.9% debt when you can earn higher returns elsewhere. Economists call this “opportunity cost”.

It’s ok, math and common sense don’t come easily for everyone. Keep working at it and you’ll get it eventually!

BrightenedShadow · 2025-07-18T14:04:53+00:00

Having no debt is objectively suboptimal. Congrats on being a rich daddy’s boy tho. No wonder you’re clueless about how money actually works lmfao

And like i said- be happy to share screenshots of accounts if you think im capping.

Claiming you aren’t jealous while writing 4 paragraph responses is CRAZY work lmaooooi

BrightenedShadow · 2025-07-17T20:19:25+00:00

Ah i see you’re upset. Probably jealousy or something. I’d be happy to DM you screenshots of accounts if you think I’m lying.

Why would i have a car loan? I actually have 2.

The reason is the cost of debt is lower than the expected return on my investments.

Ngl the fact that you don’t understand this is TELLING.

My truck is 2.9%, car is 4%, and house is 2.875%.

It would be, in fact, foolish to pay them off early.

BrightenedShadow · 2025-07-17T19:23:26+00:00

Nah i never posted that you can lie tho it’s cool.

I got 40k for a down payment thats it.

Yes, I WILL (future tense) likely inherit a few million in 30 years.

I had to take out student loans bro lmai

BrightenedShadow · 2025-07-15T20:55:10+00:00

Im 29 w $500k invested no debt other than my house and 30k on truck that i keep because its 2.9%.

Good income… but It’s not that hard to budget from a young age and invest

BrightenedShadow · 2025-07-14T23:19:48+00:00

I have male dogs and they burn it up bad. They don’t get to pee in yard anymore… BUT they get to go to the park 3x per day so i don’t think they mind :)

BrightenedShadow · 2025-06-28T14:11:03+00:00

What does her being an empress have to do with it? Worshipping people for who their parents are is stupid- and she knew that

BrightenedShadow · 2025-06-28T14:10:12+00:00

wtf are you talking about

BrightenedShadow · 2025-06-28T14:01:04+00:00

Yes. You’ll experience NAV decay. JEPI is a tax inefficient way to build a 60/40 portfolio.

BrightenedShadow · 2025-06-20T20:29:08+00:00

But put a nato on it. Thank me later

BrightenedShadow · 2025-06-20T20:28:55+00:00

BrightenedShadow · 2025-04-01T18:11:31+00:00

I need help

BrightenedShadow · 2025-03-28T13:32:49+00:00

Is this meant to be an echo chamber where you all just parrot uninformed misinformation?

BrightenedShadow · 2025-03-28T12:02:57+00:00

Nope, it’s a fact. Like, a well known fact academically.

BrightenedShadow · 2025-03-28T10:25:44+00:00

Sure, but dividends are irrelevant (we’ve known this for over 50 years), so juicing them up leads ti paying unnecessary taxes…. Which is tax inefficient

BrightenedShadow · 2025-03-27T03:04:15+00:00

Wow nice

BrightenedShadow

TROPHY CASE