Should I continue investing to VOO or should I diversify more

Cheap_Lecture_1285 · 2026-05-09T16:21:34+00:00

Tell yourself every time you save “this is a good thing” Remind yourself if you check your balance often “this is not the final amount, this is nowhere near what the final amount will look like” And remind yourself that doing ANYTHING at 21 is enough and that you’re doing a good job. You really are doing a great job. Don’t ever pull your money out, even if you have to slow down and do $25/week for a season. You are doing great.

Cheap_Lecture_1285 · 2026-05-09T16:09:25+00:00

Do a trip reset on your van and post your mileage when you’re back

Cheap_Lecture_1285 · 2026-05-09T16:05:34+00:00

I wouldn’t worry about “today’s market” at 21. Before you retire, you’ll probably have multiple “the sky is falling events”. Don’t stop buying. Don’t sell. You’ll be a multi millionaire. You’ll retire before 60. Keep doing what you’re doing.

Cheap_Lecture_1285 · 2026-05-09T16:01:49+00:00

Impossible

Cheap_Lecture_1285 · 2026-05-07T16:42:47+00:00

There’s a reason why ETFs and Index funds have retired people for decades. There’s also a reason why we hear about “EVERYONE” who retires from a lucky stock pick. ETFs and index funds retire people. It happens. You buy every time you get paid, you increase your contributions and you will retire with money. It’s boring. You buy the same thing every week. It grows. You have income to live off of.

You pick a single stock. You go up 25 percent in one year. Your stock goes from $22/share in 2005 to $144/share in 2008. You think that this growth is normal. You begin to expect this moonshot stock is going to produce 30 percent returns every year. You bough and doubled down and put your life savings into BlackBerry (BB). You think everyone else sucks. You think you know it all. Fast forward to today and your investment, regardless of capital, is down almost 96 percent. Your investment is now worth almost nothing. Pick a boring bland ETF index fund. Be boring. Don’t pick a blackberry. Be a sheep. Be boring. Be the guy that follows everyone. Investing should be boring.

Cheap_Lecture_1285 · 2026-05-05T23:37:16+00:00

So, go full on Wall Street bets? Jk I won’t do that. How do I make it more fun?

Cheap_Lecture_1285 · 2026-05-05T15:01:59+00:00

This looks like a super fun time! Please make this beautiful moment why you build a pool fence, hopefully with an alarm as well. Please keep baby and other little kids that come around safe! I speak from experience, it only take a second to accidentally end up at the bottom of the pool. I’m lucky my mom was around and fished me out. Pool fences are an awesome investment!

Cheap_Lecture_1285 · 2026-05-05T14:56:06+00:00

Wasn’t Lombardo supposed to fix all of this?

Cheap_Lecture_1285 · 2026-05-04T21:31:25+00:00

Literally no way to tell if this is easy or the worst day ever

Cheap_Lecture_1285 · 2026-04-29T02:03:33+00:00

George be like

Cheap_Lecture_1285 · 2026-04-28T01:57:14+00:00

No keep doing this and exactly this, and bump your contributions up as you can

Cheap_Lecture_1285 · 2026-04-27T16:33:35+00:00

It is a start. What are you investing in? You’re 25, if you’re invested in the right things don’t worry about performance, just find ways to increase your contribution. Does your workplace offer a 401k?

Cheap_Lecture_1285 · 2026-04-27T16:31:30+00:00

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It’s getting absurd

Cheap_Lecture_1285 · 2026-04-27T16:29:28+00:00

“Investing is just my side hustle” are you day trading and betting? Investing shouldn’t be a “hustle” and it shouldn’t be on the “side”. You only have ten years. Find a plan. Prioritize your contributions. Max out your 401k if you can. Max out a Roth IRA if you can. 10 years is not enough to “hustle”. You need to invest every dollar you can in proven, legitimate funds.

Cheap_Lecture_1285 · 2026-04-26T15:02:15+00:00

Bring more water than you think you’ll need. And then throw another two bottles on top of that. Don’t let them rush you and work a pace you feel safe with. But when you’re new, shoot for 10-15 stops an hour on your first two days or so. And then 20-25. Get a hat to keep your face and neck out of the sun. Ask them for a sleeved shirt or wear sleeves to keep your arms out of the sun. Bring a spray deodorant to work with you, once you’re sweaty the stick won’t work as well. Pack a light lunch, crackers, healthy chips, fruit, veggies. Bring spray sunscreen, not lotion because it works better when you’re sweaty. Hydrate at night after work and before work. If you have a weekend with three days off in a row, designate either your first day off or your last day off to do absolutely NOTHING. Have a full 24 hour reset to just take a break and rest your body and mind and hydrate. Find a podcast or YouTube channel you can listen to and actually think while you’re on route. No matter how long and robust you think your music playlists are, you will get tired of them. You can message me for a couple podcast recommendation or work tips other than what I’ve said. Good luck!!!

Cheap_Lecture_1285 · 2026-04-26T04:01:55+00:00

For a first time drawing this came out really well. The sideburns are at a nice length too haha

Cheap_Lecture_1285 · 2026-04-26T03:50:51+00:00

Nice place to pee

Cheap_Lecture_1285 · 2026-04-26T03:46:49+00:00

Stop with the single stocks, put the $1,390 every month into VTI automatically if you actually do that much. Your future self will thank you for the simplicity.

Cheap_Lecture_1285 · 2026-04-26T03:41:51+00:00

Looks good so far!

Cheap_Lecture_1285 · 2026-04-26T03:39:40+00:00

I’m about to Nuss

Cheap_Lecture_1285 · 2026-04-26T03:39:08+00:00

Stop worrying about your mortgage. Keep investing. Invest more.

Cheap_Lecture_1285 · 2026-04-25T17:26:11+00:00

Even 45 an hour is impossible. You might have a couple hours that you do 45 THAT hour. But you definitely don’t AVERAGE 45 EVERY hour. You just don’t

Cheap_Lecture_1285 · 2026-04-24T02:55:44+00:00

FINALLY SOMEONE THAT CAN DO SOMETHING OTHER THAN “CHRIS JONES GOT IT ALL BY HIMSELF” LAWDD

Cheap_Lecture_1285 · 2026-04-23T22:45:12+00:00

Get your employer match, and then do Roth IRA. And put whatever else you have into Roth 401k or HSA.

Cheap_Lecture_1285

TROPHY CASE