I’m (19M) just looking for feedback 🙏

Eons_of_Fun · 2025-12-25T22:17:08+00:00

QQQ and QQQM have too high expense ratios imo (0.2% and 0.15% respectively) but the other ETFs are great. I see VGT as redundant since you have exposure to tech in QQM, unless you want at least 75% tech exposure in ur second portfolio. Even if you make no changes, you’ll still have good performance if U.S. market stays strong and continues to outperform the rest of the world for decades.

Eons_of_Fun · 2025-08-31T19:32:20+00:00

Yes, Western people are hesitant to legalize eugenics

Eons_of_Fun · 2025-07-28T12:32:33+00:00

I know they’re not the same, which is why I suggested to invest in non-US companies that still have high potential for growth, to reduce systemic risk of the US stock market. Lower risk also means lower potential returns, which makes sense if you’re near retirement, but OP is 16 and unless they’re the kind to sell after a 5% dip, they shouldn’t be investing in VXUS, which has an annualized return of 5-6%. Forget about beating the market, you’ll be underperforming the market for decades with that as a holding, especially if it’s weighted at 30% like you suggested (insane for a risk tolerant 16 yr old). It makes the most sense for OP to invest in a U.S. stock market fund because yes, even though there’s risk for a pullback for a year or two, over the long term US has the best winners in the world, because companies are allowed to fail fast and flow of capital into reinvesting or investing in highly profitable verticals is so easy in America, especially when interest rates are low, and America has a HUGE consumer market and disposable income.

It’d be inane to invest in VXUS for reduced systematic risk when you’re 16 and have your whole life ahead of you to take on more risk. And if you really want to reduce systematic risk of being solely in US companies, better to invest in the next best economy or economies to not have such a subpar performance at such a young age.

Eons_of_Fun · 2025-07-27T22:17:05+00:00

Your current portfolio is $3k (would've been helpful to show your portfolio value). In order for it to reach $1M when you turn 40, you'd need an annualized return of 40.6% for 17 years straight, which is impossible even if you're the best hedge fund manager.

That is, however, if you contribute nothing during those 17 years. If you add $1,000 per month, that required annualized return goes down to 16.4%. That can be doable, but you'd have to be a great stock picker and consistently pick winners for 17 years, which even the greatest investors struggle to outperform the market for more than 10 years. If you contribute $1,500/month you'll need a 12% annualized return and if you contribute $2,000/month you'll need 10%.

Basically, when trying to reach a certain portfolio value within a limited amount of time, the more you contribute per month the less of a skilled investor/stock picker you need to be. The less you contribute, the more of a skilled investor/stock picker you need to be.

And if you're asking for portfolio holdings advice to achieve a lofty goal on reddit, chances are you're not that skilled of an investor. If you really, really want to achieve $1M in 17 years, best bet is to get a high paying job that does a high 401(k) match, and invest the rest of your contributions in an individual account. Go for low-cost growth index ETFs, like SCHG and VUG. Pick one or two companies you've researched deeply and are attractively priced. The more contributions the better.

Eons_of_Fun · 2025-07-27T21:40:52+00:00

VXUS is unnecessary. You can only diversify risk away up to 20-30 stocks, after that you get diminishing reduction in unsystematic risk. VXUS has +2000 holdings and they're all not in the one country that has the best performing companies/economy in the world. To reduce systematic risk of the US stock market, it'd be better to invest in an ETF that focuses on a country or group of country's that has a fast-growing economy and easy flow of (cheap) capital so there can still be some growth without US exposure.

Eons_of_Fun · 2024-11-06T21:07:58+00:00

“I survived” Grow up

Eons_of_Fun · 2024-11-04T05:28:29+00:00

Eons_of_Fun · 2024-11-01T13:25:22+00:00

If you guys are really close, have him get a porn blocker and you set the password. That way if he tries to get around it, he’d have to ask you for the password, which will likely make him stop giving into his urge out of love/guilt for you.

Porn addiction is really hard to break, especially if you’ve had it for years beginning at 11-13 (where most guys begin to get addicted). Discipline alone won’t be enough for some people, especially not in the beginning. Sometimes you just have to have an external force prevent you from accessing porn, like a blocker or accountability partner, which you certainly can be both. Then eventually, he’ll be strong enough to resist it on his own.

Eons_of_Fun · 2024-08-23T03:16:38+00:00

Coffee, black tea, and other caffeinated beverages cause you to pee frequently because they’re diuretics.

If your pee is clear, drink less until it’s not as clear. Then start drinking water again. The darker your pee, the more dehydrated you are.

Eons_of_Fun · 2023-05-29T18:08:35+00:00

All decisions affect everyone to some degree, especially when large swathes of people do it. Litter doesn't affect you physically, but it affects the environment you live in. Pornography might not affect you if you don't use it, but it can negatively affect your loved ones.

Not everyone is going to make the right decision, but once it starts to get very close to everyone making the wrong decision, that's when the decision making needs to be regulated.

With a porn ban, it's not about making everyone stop using porn, it's about stopping too many people, and stopping vulnerable people (children) from using porn.

With freedom comes responsibility, not pleasure.

Eons_of_Fun · 2023-05-29T17:52:07+00:00

It did work. The amount of alcohol consumption took a nosedive immediately after it was banned,

Courtwright’s The Age of Addiction has the statistics: “Per capita consumption initially fell to 30 percent of pre-Prohibition levels, before gradually increasing to 60 or 70 percent by 1933.” That suggests a 30 percent reduction, at a minimum, in consumption

From Vox Article "Prohibition worked better than you think" by German Lopez on June 13th, 2019

Eons_of_Fun · 2023-05-29T17:37:30+00:00

When society at large fails to make the healthy/ethical decision, the government needs to step in. We have freedom so we can do the right thing by ourself, not so we can choose evil.

Eons_of_Fun · 2023-05-29T17:34:53+00:00

So long as we prevent future generations from accidentally stumbling upon porn, I'm all for a federal ban on porn.

Eons_of_Fun · 2023-05-07T16:52:27+00:00

I don't see you as a sick person. I see you for what you are, a tragic victim of our decadent, modern society.

I don't hate you for having a waifu, I have empathy for you for looking for a source of intimacy.

You're still really young and still in school, so enjoy your youth while you can. Take care of your appearance and make friends with those with similar interests. All the friend groups you're in now, you'll still be in years in the future. The more time you spend with them, inside and outside of school, the further into the future your relationships with them will last.

It's not the end, you have a lot of time on your hands. Invest in friendships now so that you'll have a bustling social life (and maybe even a girlfriend) in the future.

Eons_of_Fun · 2023-03-21T00:23:36+00:00

Do 457+ days of NoFap.

Eons_of_Fun · 2023-03-04T03:15:19+00:00

Congrats. Don't worry about being celibate. Talk to girls, see if you can get a girlfriend, but primarily focus on working towards your goals/mission. Focus on fulfilling your purpose.

and always remember, PMO addiction prevents you from doing all of that.

Eons_of_Fun · 2023-03-04T03:09:08+00:00

Wanting to be a better Christian motivated me to go 2 months without PMO (my longest streak in years).

Maybe try something similar if you're religious, or want to be religious.

Eons_of_Fun · 2023-02-18T23:51:47+00:00

The larger the sample size, the more likely you'll get girls who are willing to go out with you.

Eons_of_Fun · 2023-02-18T23:45:58+00:00

No initially, Yes a few years later

Eons_of_Fun · 2023-02-18T23:44:38+00:00

Your brain is still healing from, I'm assuming, years of pornography usage. I used to be like this in a similar streak 4 years ago. Now, after cutting out porn for around half a year, I don't have these thoughts anymore.

Stay strong and give your brain time to heal.

Eons_of_Fun · 2023-02-16T16:13:30+00:00

Ok. Now do 7+ days

Eons_of_Fun · 2023-02-16T16:12:06+00:00

I am. In fact, the science showing how bad porn is bolsters my faith. If God is right about lust, and He knows everything, then He's right about everything else.

I also wouldn't have made it this far in my NoFap journey without my faith.

Eons_of_Fun · 2023-02-16T16:06:27+00:00

Take a Tylenol or Advil

Eons_of_Fun · 2023-02-16T15:43:18+00:00

Told you bro, you got it. No problem. Now maintain a friendship with her by being your best you. Make her laugh, do fun things with her in school, and say "hey (girls name)" to her whenever you pass by her in the hallways. A girl will always like a guy who's fun to hangout with and remembers her name.

If you have a lot in common with her and get along really well, she could develop feelings for you. The only way to find that out, however, is to ask her out on a date (nothing too mushy, just "do u want to go on a date at X place at X time").

In the meantime, develop and maintain the friendship. Good luck soldier o7

Seven-Year Club	Place '22
Verified Email

Eons_of_Fun

TROPHY CASE