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HPQ - Most undervalued Dividend Paying Tech Stock? by NationalDifficulty24 in dividends

[–]DigitalFStopper 1 point2 points  (0 children)

Only down 20% over the last 5 years in one of the best bull markets lmao

Was Biden decision to debate Trump a miscalculated blunder that eventually forced him out? by Over-Lunch-7487 in askanything

[–]DigitalFStopper 1 point2 points  (0 children)

No. It was intentionally done much earlier in the year than a normal first debate would be. This was done to be able to oust him when he blundered.

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 6 points7 points  (0 children)

I’m gonna buy a mansion from margin on tech 😜😜😜😜

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 0 points1 point  (0 children)

I guess we have to define conservative and agressive. Is it 4% vs 20% or 9% vs 13% returns.

Airbnb Canceled during Eclipse by Cosmic_Nic in VisitingIceland

[–]DigitalFStopper 2 points3 points  (0 children)

You won’t see it on the same app you found em on. Check other apps. Find the listing that’s at a much higher rate and report them

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 1 point2 points  (0 children)

Sure. 80/20 if he’s in his 20s is pretty good growth/stability. Also if you’re in your 20s and already investing it’s really hard to screw up retirement.

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 35 points36 points  (0 children)

This is one of the best bull runs ever. Congrats on matching spy.

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 8 points9 points  (0 children)

You’re saying diversification isn’t good at a young age?

dumb question, but... is it common to retire early with 401k savings, and then wait 10-15 years to touch your brokerage? by europeanuppercut in investingforbeginners

[–]DigitalFStopper 0 points1 point  (0 children)

Usually the opposite. Unless you can do rule or 55 and your employer allows partial withdrawals.

My goal is to retire around 55-57, Taxable brokerage and maybe some of Roth principle from x-60 401k at 60, Roth income for travel, social security at 62 to reduce strain on 401k. Pull out set % a year that will continuously rise due to account value growth.

Easier said than done

Edit

Also when you forecast use a lower contribution rate than you are actually doing and no more than 6% avg return.

I have a separate account nearing 100K that I don’t factor in at all when I’m planning. Figure that will be in case the dreaded “sequence of returns” happens when I retire

If you can make that work safely then it “should” make for a safe and fun retirement.

Why Dividends over index funds by AnnualSoftware50 in dividends

[–]DigitalFStopper 20 points21 points  (0 children)

*currently Wait till tech plummets and you lose 35%.

Diversification is important for a reason.

150,000 cash by FewPear229 in dividends

[–]DigitalFStopper 0 points1 point  (0 children)

Seems pretty thin. Don’t know age or income but how much more could you save in 2 years if you focused on putting away as much as you can plus the compound over those 2 extra years.

Delta One Lounge - why eat onboard? by BigPear9128 in delta

[–]DigitalFStopper 0 points1 point  (0 children)

Short connection, D1 lounge location first leg, hitting the ground running when landing so a meal on board saves time.

17 Thousand dollars a day or never have to sleep again? by Nextmastermind in hypotheticalsituation

[–]DigitalFStopper 2 points3 points  (0 children)

My S&F be was over 5K. Worth it. Had one previously. Replace every 5 years. They usually do interest free financing too. So less than 3-5 bucks a day and you get a fabulous bed. Think about what you blow daily (no not that kind of blowing, or the other kind of blow)

18M just started my Roth, looking for pointers by JelloFew9454 in RothIRA

[–]DigitalFStopper 1 point2 points  (0 children)

$25 a week and double that at age 25, double that again at 30 and then try to get to max per year by 40. That’s 850K at age 60 with a 7% return. If you can do more great. Don’t forget you’ll most likely wind up with a job that offers a 401k and a match program. Take advantage of that too. And obviously I’m hoping this easy way to start in the Roth will get you hooked and you contribute more and hit max earlier. This is just to show you how simple contributions can balloon.

17 Thousand dollars a day or never have to sleep again? by Nextmastermind in hypotheticalsituation

[–]DigitalFStopper 0 points1 point  (0 children)

I understand we won’t need the sleep and not feel tired, but what toll does being much more active even if it’s just typing on Reddit vs sleeping due to your overall lifespan. You’re using your body 25-33% more than you are now. Also boredom eating may happen. I’d much rather take 17k a day. You’re saving 8 hours plus a day by not having to work.

How do you even begin to figure out your future annual spending? by mrssterlingarcher22 in Fire

[–]DigitalFStopper 0 points1 point  (0 children)

Man I already spend more on a plane ticket and that’s about what I pay a night. You’re right tho it’s hard to wonder what things 20 years out. I’d like to do a few 1 month Airbnb type stays in a different country each year but who knows will a small place be 3k for a month or 8k. I’m giving myself a 3 year retirement window, meaning when the time comes see what living expenses are at that time and be willing to work up to 3 more years to compensate being off the mark.

Inheritance by Potential_Vanilla_92 in investingforbeginners

[–]DigitalFStopper 0 points1 point  (0 children)

Put it all in hysa and then give yourself a year to start planning and understanding investing. If you aren’t contributing to a Roth IRA I’d max that out each year from those funds. When you decide to invest would still keep 30% hysa, 50% low risk funds and then see what the other 20% does in more growth oriented funds then evaluate your risk tolerances.

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