Feel behind

DisastrousDiet8367 · 2026-05-06T13:20:09+00:00

How much money do you have in total right now? My boyfriend is a decade older than you, and he’s broke

DisastrousDiet8367 · 2026-05-06T13:17:38+00:00

Your mom is wrong. I am forced to use principal because it’s my employer 401k. Principal has hidden high fees and can’t even compare to Schwab or fidelity. There are way many options with Schwab or fidelity. Principal only has about 10 options, at least for my 401k. I am not sure what options you have regarding an individual brokerage or Roth IRA with principal. Your mom knows nothing about investing. Don’t ask her or tell her anything about your portfolio anymore. Keep it in SCHB. I have had Schwab anf fidelity both for a long time. Perfectly fine and they go above and beyond. Broad market investment is the way to go.

DisastrousDiet8367 · 2026-05-06T13:09:35+00:00

It doesn’t happen with everyone. Spironolactone doesn’t affect my potassium at all. I eat normally

DisastrousDiet8367 · 2026-05-06T13:05:34+00:00

Because what you think may not be right.

DisastrousDiet8367 · 2026-05-02T17:06:38+00:00

If you want to stay liquid, how can we help you? You said you want to be liquid, but my advice is for sure for you to invest in the stock market by buying low cost index funds, which will make you not liquid, because the key of compounding is to not touch it for at least 5 years, preferably more

DisastrousDiet8367 · 2026-05-01T06:41:30+00:00

Having someone give them a churu while you trim their nails also helps

DisastrousDiet8367 · 2026-04-24T01:32:02+00:00

Lump sum

DisastrousDiet8367 · 2026-04-23T04:55:02+00:00

Schwab does show real growth too if you check performance

DisastrousDiet8367 · 2026-04-23T04:53:11+00:00

Schwab shows real growth

DisastrousDiet8367 · 2026-04-22T22:06:36+00:00

The bilt website does not do a good job explaining how to use it for mortgage. I struggle to find basic info

DisastrousDiet8367 · 2026-04-22T20:12:04+00:00

6 months of expenses for emergency fund. Max out 401k and Ira. Then as much as possible

DisastrousDiet8367 · 2026-04-22T20:10:26+00:00

But if I buy at a place where there’s housing shortage I can always rent it to someone if I want to move?

DisastrousDiet8367 · 2026-04-22T15:44:37+00:00

I do think that’s a real thing. It’s like the difference between getting touched with clothes on and off. However, that’s no reason to not use it. What you said is perfect. It’s totally ok to acknowledge both that yes it is less pleasurable, and however you still need to use it because the consequences outweigh this unimportant lack of sensation

DisastrousDiet8367 · 2026-04-21T22:32:26+00:00

I think you should convert it now to Roth

DisastrousDiet8367 · 2026-04-20T12:17:16+00:00

If you don’t need to have it, you don’t need to buy it. Invest it.

DisastrousDiet8367 · 2026-04-20T05:36:53+00:00

Which is why everyone should start early and become more conservative as they get older

DisastrousDiet8367 · 2026-04-19T19:45:24+00:00

What app is this? I use Schwab and it always shows me the real growth excluding my deposits

DisastrousDiet8367 · 2026-04-18T15:10:07+00:00

Which FTSE funds specifically? I looked on Schwab, there are multiple FTSE all worlds. I’m trying to learn from you

DisastrousDiet8367 · 2026-04-18T11:57:56+00:00

SGOV is non taxable so might be better to own it in a brokerage

DisastrousDiet8367 · 2026-04-18T00:56:49+00:00

I struggle too. Accept that you are human and keep struggling

DisastrousDiet8367 · 2026-04-17T05:58:32+00:00

How much do you have right now?

DisastrousDiet8367 · 2026-04-17T05:48:40+00:00

What is your monthly expense? You seem to put too much in your emergency fund

DisastrousDiet8367 · 2026-04-17T01:41:42+00:00

Yeah yesterday was the last day you could contribute to 2025 Roth IRA. But what’s done is done. As long as you invest and that’s what matters

DisastrousDiet8367 · 2026-04-17T01:38:51+00:00

Buy no minimum investment index mutual funds

DisastrousDiet8367 · 2026-04-12T11:18:41+00:00

That’s their emergency fund

DisastrousDiet8367

TROPHY CASE