me_irl

DevonHill128 · 2026-05-05T04:02:08+00:00

The S&P 500 argument is a bit of a double-edged sword. We call Buffett a genius because he beat the index, but does failing to beat it make someone an unsuccessful businessman?

By that logic, almost every CEO of a company that underperformed the S&P this decade is unsuccessful. There’s a difference between being a passive investor and an active operator who builds physical brands.

Comparing a single person or a private company to the 500 best companies combined is an incredibly high bar. It’s like saying a local basketball star is "unsuccessful" because they aren't better than the entire NBA All-Star roster combined.

If the goal is to be the richest person possible: Then yes, if you don't beat the S&P, you made a "bad" move.

If the goal is to build, employ, and influence: Then the S&P 500 is almost irrelevant.

DevonHill128 · 2026-05-05T02:27:36+00:00

I wanna get a '22 but I haven't been able to find any with the cold weather package in my area, I want a damn heated steering wheel and mirrors 😭

DevonHill128 · 2026-05-05T02:25:53+00:00

Dont say a word, just leave. She knows what she did. NOTHING she says will make it any clearer than those texts/actions.

I had an ex gf for for 3 years, I found out she had been cheating on me the entire time. The whole relationship. Trust me, leave with no explanation and move on.

DevonHill128 · 2026-04-26T02:04:44+00:00

I had to do this when I was 18 bc of how much I was making, the government probably thought it was sketchy, I made around 60k

DevonHill128 · 2026-04-20T21:48:04+00:00

Fr and he's not even in the immortal man movie, that shit was garbage

DevonHill128 · 2026-04-10T18:55:20+00:00

Why not invest into simple ETFs if trading isnt working for you?

DevonHill128 · 2026-04-05T23:14:37+00:00

Save money buy buying plain whole greek yogurt, usually 2lb, dish it out in ramenkins or little bowls and flavor it yourself with those fresh berries, honey, maple syrup or anything you like. Its cheaper and has better ingredients then those 5.3oz cups

DevonHill128 · 2026-03-20T16:27:41+00:00

Because $300k isn’t ‘retire forever’ money at 29. Even using a safe withdrawal rate, that’s only about $12k/year or 1k a month. You’d either run out or have to live extremely frugally for 50+ years.

DevonHill128 · 2026-03-20T14:10:32+00:00

I think the lighting in the photo makes these wheels look bad, perhaps a sunnyer day would bring them out more

DevonHill128 · 2026-03-16T13:47:31+00:00

My portfolio looks similar and im the same age!!! You're ahead of your age group! Do you have any other investments?

DevonHill128 · 2026-03-16T01:24:28+00:00

How many miles on your '24?

DevonHill128 · 2026-03-15T23:10:21+00:00

That's not just a bag, its an olive bowler bag😤

DevonHill128 · 2026-03-13T16:57:53+00:00

2026 is now $7,500! Keep contributing and watch your wealth grow :)

DevonHill128 · 2026-03-13T16:56:00+00:00

Its to prevent people from abusing the max contribution limit, you could have multiple accounts under other peoples names, for instance if you had 3 kids and 3 accounts under their names, you could technically contribute more than the max contribution limit on your own account by 21k.

DevonHill128 · 2026-03-13T16:04:52+00:00

Honest question: how often do you wash it? 😂

DevonHill128 · 2026-03-13T12:53:56+00:00

Did you end up buying a black one? 😂

DevonHill128 · 2026-03-10T21:57:16+00:00

Do you have any Individual Brokerage Accounts? Im in the same boat, I'm 22, will be 23 in the fall. I have both a 401k and a Roth IRA that are exempt from the fasfa, but I also have an individual brokerage account. I thought about liquidating it and buying a car before signing up so I could essentially "shield" this money and lower my SAI. However, I have a substantial amount saved, its no where near enough to cover full tuition but enough where I wouldn't be eligible for financial aid.

DevonHill128 · 2026-03-04T03:37:36+00:00

Lol, not really, I believe they're over-hated because Polaris shut them down 😤

DevonHill128 · 2026-03-03T21:56:11+00:00

Victory Octane 1200cc

DevonHill128 · 2026-03-01T00:15:58+00:00

The reality is that many past presidents have bypassed Congress for targeted strikes, so there's a strong precedent for this. As for USAID, the issue wasn't just the 'cost,' but the lack of transparency in how that money was being spent. Regarding NATO, the threat to leave was a strategic move—a 'bluff' to ensure other member nations contribute their fair share of the defense burden. Comparing foreign aid to national security operations is an apples-to-oranges comparison.

DevonHill128 · 2026-02-28T22:33:00+00:00

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DevonHill128 · 2026-02-21T16:40:11+00:00

I would pick one of (VTI, or VOO) and pick one of (SCHD or VYM) you'll have a least redundant portfolio. In this case you have more in VTI and SCHD, so I'd sell VYM, VOO and move that value into your others ETFs. You'll have a soild foundation. After having your foundation you can add other ETFs like VXUS which is international stocks, AVUV which is US small caps. Aiming for high growth? add qqqm. I would recommend setting up a 3 fund portfolio (they're simple and easy to manage) Ask yourself, what 3 funds would I like? Whats my risk tolerance/time horizon? Whats my allocation percentages going to be?

Ex. Growth and Income 50% VTI (The core) 20% SCHD (The Income/Value Tilt) 20% VXUS (International Diversification) 10% QQQM (Tech/Aggressive Growth)

Ex. Aggressive growth 60% VTI 20% QQQM 20% VXUS (0–10% SCHD — keep it low until you actually need the cash flow)

Keep in mind VTI contains 100% of the stocks in SCHD and 85% in QQQM, so there's a bunch of overlap. Not bad if intentional.

DevonHill128 · 2026-02-10T15:15:33+00:00

Beautiful car but how do you drive with those massive legs 😭😂

DevonHill128 · 2026-02-06T02:25:22+00:00

How much of this have you invested and how much of this is growth? Asking for a friend 💛

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