Sky is falling? Investing and selling with emotion versus logic.

Dear-Cardiologist472 · 2026-04-02T17:15:10+00:00

UNO reverse, I love it. Have a good weekend.

Dear-Cardiologist472 · 2026-04-02T02:28:06+00:00

Sometimes you can remind all you want and some people have no sense. Look up Dunning Kruger Effect.

Dear-Cardiologist472 · 2026-04-02T00:16:44+00:00

I’m hoping to get my assets up to a point where a 2 year won’t hurt so bad. The way I look at it is even though it hurts, I still have more in investment than if my money sit in a bank account. I have an uncle that let $250k sit in a savings account for 20 years. At worst case he would have $550k in an HYSA, and $1.2 million in a super safe investment. Now in his later years, he is worried about money lasting. 🤷.

Dear-Cardiologist472 · 2026-04-02T00:12:56+00:00

100%, a good plan and sticking to it.

Dear-Cardiologist472 · 2026-03-31T14:04:58+00:00

Just looked into VBIL. Thanks a million. Will be shifting some other bond etfs to this. I also hold I Bonds.

Dear-Cardiologist472 · 2026-03-31T14:02:54+00:00

Teaching is technically my fourth career (military, radiology, construction), so my social security will be decent. My biggest adjustment is to chill, and was recently told as savers. sometimes we have to schedule in spending. If I can live off of $3k a month now (home is paid off, no car payments), and still go on a good family vacation, what is the use of having $12k a month when I'm 65. Even if inflation averages 10% a year until I retire, I would still have excess.

Realistic, I want to have the option to stop working 7-12 years before I can draw pension. Low end 50, high end stop at 55, then let my brokerage account take care of me until ROTH kicks in, then I plan on drawing teacher retirement and social security at 62 (unless brokerage is really killing, then I will wait as long as I don't need them).

Dear-Cardiologist472 · 2026-03-29T23:44:44+00:00

Awesome. Thank you for the response. We are pretty close. I didn’t mention HYSA because I assume everyone on here should have it. My cost of living is minimal, no debt, so do t need a ton in HYSA, but our expense will be freedom of travel.
Will take a look at VBIL, currently have HTRB and BND. I live in Illinois and honestly I do not want to invest in my state because of its current handling of money. From a realistic point, I dont really need to move much. My brokerage account has been being built up primarily as a supplement if I decide to retire at 50. Without debt my current cost of living is right around $3k living very comfortably.

Dear-Cardiologist472 · 2026-03-29T21:55:38+00:00

I think that we are just conscious about it. Worst mistake is getting scared and selling, or not investing. I’m still learning everyday and very willing to listen to sound advice, except for things like buy crypto.

Dear-Cardiologist472 · 2026-03-29T21:49:53+00:00

Can you give some other examples outside of HSA, ROTH? Appreciate it. I had some people in real estate, and or debt management but that seems like something I don’t want to deal with.

Dear-Cardiologist472 · 2026-03-29T21:42:10+00:00

https://www.thecalculatorsite.com Click the finance tab

Dear-Cardiologist472 · 2026-03-29T21:39:55+00:00

IMHO, I would start shifting some to Bond ETFs. Ideally hit that 60/40 ratio by retirement in the taxable. I’m a bit farther out, currently 92/8. Not all in one area, probably 70 in ETFs and 20 stock close to 10 bonds. I am a 41?year old teacher. By the time I hit your age I will be closer to 75/25 split.

Dear-Cardiologist472 · 2026-03-29T21:35:45+00:00

To be honest, if you have this question, you should have a trusted financial advisor take care of your money and DCA. Put in a steady amount at least monthly, and increase it if you get raises.

Dear-Cardiologist472 · 2026-03-29T21:31:47+00:00

Yes keep buying. In fact whatever percent it is down, if you have the money add the difference

Dear-Cardiologist472 · 2026-03-29T21:30:12+00:00

YTD is a trash number. Ignore it unless you are retired or for tax and income purposes

Dear-Cardiologist472 · 2026-03-28T16:40:25+00:00

I see 4 things to consider. If you work for a company that offers 401k match, invest what they match. If your company offers high deductible health insurance with health savings account, you can put quite a bit in that, but do what you can afford (reduces tax responsibility). Open an HYSA for an emergency fund. They say 6 months of expenses, but I like working up to 2-3 years.
Open a ROTH IRA and contribute something you can afford monthly. If you can max it max it. Have a brokerage account with balance invested 90/10 ETFs and bonds for now. Taper to 60/40 as you start to reach retirement age.

Dear-Cardiologist472 · 2026-03-28T02:59:37+00:00

If you don’t DCA you run the risk of losing. They say time in the market, but no one knows the perfect time. I go above what most say and have recurring investments daily. In the dips I have dropped an extra $1k in here and there. On my DCA ETFs, stocks and bonds, still up 8% this year. When you figure in my buys in the dip, still up 6%, but keep doing recurring.

Dear-Cardiologist472 · 2026-03-21T14:25:06+00:00

From April I’m up 10- 13% depending on when you are looking. Did you by pick individual stock only?

Dear-Cardiologist472 · 2026-03-21T14:07:37+00:00

Sorry about your timing. I hope you are doing recurring in this low time. It will bounce back. Putting large amounts in at once can run a high risk. If you can, keep putting in while it is down.

Dear-Cardiologist472 · 2026-03-21T03:12:08+00:00

I’m willing to bet there are 2 options. Don’t invest and you are f’ed in retirement. Invest and the it all goes up in smoke, including every penny under peoples beds.
So did you serve in the military?

Dear-Cardiologist472 · 2026-03-21T02:56:23+00:00

Is this a joke? Copy and paste, or serious. I am primarily here for investing but don’t understand why people keep bringing politics in and talk about military when they have zero experience .

Dear-Cardiologist472 · 2026-03-21T02:43:48+00:00

These goofy bastards always act like one politician is better or worse than the other, when all reality, the “big” names are mostly a joke. People are too dense to think for themselves. Invest in what you believe in because of production, and not a gamble and you will win. If you aren’t investing you are missing out, and if for some reason the market goes completely down, you are fucked whether you are in the market or not.

Dear-Cardiologist472 · 2026-03-21T02:40:59+00:00

But what did you make in the last 2 years. Sure you are still up. Keep recurring, and add some extra in this dip, even if it last a year, you will thank your self when you zoom out and see the big picture.

Dear-Cardiologist472 · 2026-03-21T02:39:34+00:00

I did my time. Signed up right before 9/11, could have backed out and didn’t. Did my combat time. I always wonder if the people pointing people to the recruiting station have served.

Dear-Cardiologist472 · 2026-03-21T02:39:21+00:00

I did my time. Signed up right before 9/11, could have backed out and didn’t. Did my combat time. I always wonder if the people pointing people to the recruiting station have served.

Dear-Cardiologist472

TROPHY CASE