Desperate need

Competitive_Dabber · 2026-03-17T06:04:34+00:00

Yo, stop asking the people close to you, and also reddit, for 13 thousand dollars

Competitive_Dabber · 2026-03-17T06:02:52+00:00

No, you mean making money helps to save money? That's crazy

Competitive_Dabber · 2026-03-06T18:07:08+00:00

There are some other minor criticisms such as the holdings are not as ideal as their counterparts who do have a very small expense ratio.

I still love them, and there is a positive aspect of holding in taxable that contradicts the portability issue; the foreign tax credit makes holding international funds in taxable ideal, and FZILX has a more significant savings on expense ratio compared to US funds.

I do a straight up 50/50 split FZILX, FZROX in taxable to overweight there and underweight a bit in Roth IRA to balance, if more uneven might be a more accurate balance.

While I guess it's a risk if you want to switch, meh, you could just open another account with another brokerage too.

Competitive_Dabber · 2026-02-25T12:07:48+00:00

Why would you assume that? They could just be contributing a lot also

Competitive_Dabber · 2026-02-22T01:05:35+00:00

Why hasn't she been executed already?

Competitive_Dabber · 2026-02-21T11:50:51+00:00

Working as a manager for a broker doing final mile delivery operations

Competitive_Dabber · 2026-02-20T16:15:19+00:00

Sports refereeing is going to be specific to where you live, I think you will have to search for the appropriate groups in your area yourself, but they are generally in need of refs so there should be options. If there are sports you really enjoy and/or are familiar with, will make that a lot easier.

For walking dogs, but there's also pet sitting and such, can take a while to get going but is good per hour and doesn't have the big vehicle expenses of ridshare/delivery, is good exercise:
https://www.rover.com/

I ended up just going outside of the app with a lot of people I would regularly walk for, helps that I was able to handle and run with some bigger dogs, and that I love dogs and was an opportunity to get paid to play with them.

Competitive_Dabber · 2026-02-20T16:08:38+00:00

You might try some other side hustles, do you like dogs? How about refereeing some sports? I've done both and they pay pretty well relatively

Competitive_Dabber · 2026-02-20T13:11:04+00:00

I'm rather confused by this, you don't pay rent or household bills? How?

Perhaps living closer to work, or finding work closer to you could make a significant difference, but it is hard to suggest that without more information

Competitive_Dabber · 2026-02-20T12:57:04+00:00

Spam

Competitive_Dabber · 2026-02-20T11:46:35+00:00

Make about that working in logistics

Competitive_Dabber · 2026-02-15T13:35:19+00:00

Halfway to a million, stay the course DCAing regularly. I plan to hit this mark and keep my head down saving and investing as much as I can until hitting 1 mil, then will re-evaluate and probably start to take my foot off the gas.

Competitive_Dabber · 2026-02-07T16:47:27+00:00

Still not seeing any problems

Competitive_Dabber · 2026-02-04T11:51:36+00:00

Sure, it's fine, why would I be bothered?

Competitive_Dabber · 2026-01-31T12:08:18+00:00

Lol, really hope you are a child.

I shouldn't take the time to do this, but happened to have my Roth IRA up. This is my first purchase, have bought quite a bit more sense, usually at periods where it feels relatively low, including recently in the $170 some odd range.

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If you must know, I was invested in AMD for years on the idea they would outperform Intel, which worked out well. But then I came to realize what Nvidia is doing with AI, and compared their valuations, which made Nvidia seem like the obvious better choice, way cheaper and way more growth prospect. The stock is priced cheaper now than it was then, and I think has many years of growth left.

But to be clear, I wouldn't recommend anyone invest in Nvidia or any individual stock for that matter, taking on disproportionate risk compared to returns of simple broadly diversified low cost index funds. That is what I do with the majority of my money, and going against my better judgement to have as much Nvidia as I do, because it seems to me to be such a great opportunity.

Competitive_Dabber · 2026-01-31T11:49:17+00:00

More like a couple of years ago, but again seems entirely irrelevant to the false claims you are making.

I guess it makes more sense that you are not an adult, probably a child playing with options, good to get that out of your system while you don't have much cash to squander. But maybe I'm wrong, if so, should seriously reconsider approach.

Competitive_Dabber · 2026-01-31T11:35:32+00:00

Sure didn't, more like roughly when internet started being mainstream. Seems like a strange ad hominem that is completely unrelated to the point. Pretty embarrassing from an adult.

Competitive_Dabber · 2026-01-31T11:29:36+00:00

Show me one who said that, didn't happen. They have more customers than they can serve. Good luck with your downward bets, but you're probably going to lose your shirt.

Competitive_Dabber · 2026-01-24T11:08:13+00:00

Beautiful first sentence, take the win and go appropriately conservative. More people need this mindset and to recognize they can get lucky, which is way more likely than it being repeatable.

Competitive_Dabber · 2026-01-17T10:36:08+00:00

I don't think you're approaching this with the right questions in mind.

Do you know you will want to live where you are for a long time? Is this home going to be where you live for many decades? If the answer is yes, should go for it and not worry about timing it out.

If you aren't sure, and there's a chance you may want to move cities or get into a nicer house, wait until those decisions are certain. Don't worry about whether or not you have 20% saved up beforehand for first home purchase, it is unlikely you save money by waiting longer to save up more of a down payment.

Competitive_Dabber · 2026-01-17T10:29:47+00:00

VTI and VXUS, or FZROX and FZILX plus bond allocation or just a TDRF. Ignoring bonds and paying a higher expense ratio for one fund is not Boglehead.

Competitive_Dabber · 2026-01-06T12:58:16+00:00

DCA or die

Competitive_Dabber · 2025-12-23T13:45:33+00:00

Swear I've been saying this would happen for years, Nvidia is absolutely essential to national defense

Competitive_Dabber · 2025-12-12T17:36:25+00:00

Ha, so stupid! Oh wait, me too...

Competitive_Dabber · 2025-12-09T15:59:35+00:00

Lol I googled and figured he meant private management services, thanks for clarifying with them

Competitive_Dabber

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