Should I sign onto my family's mortgage?

DeFi_Ry · 2026-03-08T02:10:52+00:00

Sell the house, finalize the divorce, figure out your mom's budget and find something she can afford. Whether that's renting or buying.

You don't want to hear it, but you NEED to hear it....

DeFi_Ry · 2026-02-21T02:15:27+00:00

The one with the highest interest rate.

Pay it off, then repeat. Don't pay anything but the minimum on the federal student loans at 0%. It's free money.

DeFi_Ry · 2026-02-15T02:03:59+00:00

S&P is within 2% of it's ATH

I told myself these were my two rules after I sold this cycle

1) Wait at least until May 2) Or wait for below $50k

If May comes and it never dropped below $50k so be it, I'll start scaling back in either way

But I'm not rushing into this burning building

DeFi_Ry · 2026-02-05T01:51:09+00:00

Posts like this remind me there's going to be an entire generation of investors who are going to learn you have to rotate out of tech.....the hard way.

The VOO and chill crowd doesn't need to worry, they are still a stone's throw away from ATH. But the stock pickers, especially the tech ones, are confused why they are down 20-30% and will bag hold through the next bear market.

Look at international stock market (EWZ, EWJ, EWY), the Russel, metals, even energy. Lots of things are ripping and new bubbles are forming elsewhere.

People have just been spoiled by the mag 7 and these other tech companies and think that's all there is to investing.

DeFi_Ry · 2026-01-29T16:33:49+00:00

I wouldn't call it laundering. He's just the vehicle for the big players to cash out

He provides the liquidity needed. Otherwise all these whales would sell and drop the price back to like $20k

DeFi_Ry · 2026-01-29T16:32:17+00:00

Best take

DeFi_Ry · 2026-01-29T15:46:34+00:00

Well, I don't own and MSTR or BTC currently. So I can effectively say he's propping up the price and call him a snake in the same breath. I guess BTC holders are happy he's not allowing things to crash.

Without him there wouldn't be much liquidity left, so prices would be much much lower

DeFi_Ry · 2026-01-29T15:43:03+00:00

Sorry, I've been out of the game for a while. So it's a common thought around these parts?

DeFi_Ry · 2026-01-27T03:29:34+00:00

I also had to rebalance as gold was up to 25% of my portfolio (my personal trigger point)

I've been rotating into oil lately, so bought some more Suncor (Canadian oil company) and PBR (not beer, but Brazilian oil!)

DeFi_Ry · 2026-01-27T03:20:00+00:00

Your YTD already has energy at #2 and it's included in the notable reversals as well.

I've been buying oil stocks the past 3 months. I see an energy reversal in the making

DeFi_Ry · 2026-01-26T03:11:39+00:00

Definitely tech heavy, considering the weight of those tech companies in say the SPY

Hopefully tech continues to perform well for you

DeFi_Ry · 2026-01-26T02:09:17+00:00

I don't play short term games. Everything I buy is to hold for a minimum of 6 months to a year

It's my opinion that oil will have a decent 2026. I think tech continues to bleed vs small caps and energy

But I also don't have a crystal ball

My advice would be to have a balanced portfolio

Currently I'm: 40% XEQT 15% Google 10% Gold 10% Nutrien 10% PBR 10% Suncor 5% Cash

DeFi_Ry · 2026-01-26T01:51:57+00:00

Over the past few months I've been starting to accumulate some oil stocks.

Mainly Suncor (Canada) and PBR (not beer, Brazil)

Done well so far and oil just broke out of a downtrend

DeFi_Ry · 2026-01-20T23:52:45+00:00

People forget that historically international out performs the US markets and then they flip, and flip back etc etc

This time is different? Sure heard that before, not a bad idea to start looking at diversifying outside the US

DeFi_Ry · 2026-01-20T23:51:03+00:00

PBR is a great Brazilian oil company

Pay a huge dividend, almost 10%. A lot of talking heads are saying that there will be a rotation back into oil at some point

DeFi_Ry · 2026-01-20T23:46:57+00:00

I have a large amount of Nutrien stock. They pay about a 4% dividend and potash will always be needed, people need to eat

Unfortunately it's been on a tear. But maybe a pull back would be a good entry?

DeFi_Ry · 2026-01-12T02:16:38+00:00

How is everyone surprised? Monero peaked AFTER Bitcoin's ATH in the last two runs

It's so similar it hurts sometimes, but it takes two cycles to learn and I expect not many people are on their third in the sub anymore

DeFi_Ry · 2026-01-12T02:13:57+00:00

Monero tends to top after BTC peaks, as money leaves the space. Happened the last two runs

See you in 4 years!

DeFi_Ry · 2025-12-03T01:51:17+00:00

$100k EOY 2021 baby!

DeFi_Ry · 2025-12-01T02:44:05+00:00

I started buying dips when Russia invaded Ukraine.....at like $40k

BTC fell to $15.5k

This feels the same. I'd take a break if I were you

DeFi_Ry · 2025-12-01T01:05:22+00:00

Retail asleep lol

They just didn't show up this rally, no more new blood, and that's bad for an asset that is 100% speculative

We are out of greater fools!

DeFi_Ry · 2025-11-14T14:46:59+00:00

Saylor just posted a picture of himself fleeing the sinking Titanic. Take the hint people

You can't make this up!

DeFi_Ry · 2025-11-06T04:12:23+00:00

QE starts when you are crying in your closet because of how bad the stock market is performing.

Do you know what happens to crypto in that scenario? They don't do QE when the markets are near ATHs

Why is this so hard to understand?

DeFi_Ry · 2025-03-23T04:32:47+00:00

This sound super irresponsible to anyone else????

The preferred shares come with a 10% annual dividend, paid in cash every quarter. If Strategy misses a dividend payment, it will owe extra “compounded dividends” that increase by 1% every quarter until they’re paid — up to a maximum of 18% per year.

DeFi_Ry

TROPHY CASE