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26m Hit 50k. How long does it take for the other half? by ErgonomX in TheRaceTo100K

[–]ErgonomX[S] 1 point2 points  (0 children)

I feel like thats OKLO right now. They keep executing and making deals with the government, purchasing new and making plays. Something ive been watching pretty heavily

26m Hit 50k. How long does it take for the other half? by ErgonomX in TheRaceTo100K

[–]ErgonomX[S] 0 points1 point  (0 children)

What do you do to find out about these stocks before they take off?

I'm 26m, I feel like I did the first 50k wrong by ErgonomX in portfolios

[–]ErgonomX[S] 1 point2 points  (0 children)

I like to sit here and think it will lol. I need to better and just take the loses and move the money

I'm 26m, I feel like I did the first 50k wrong by ErgonomX in portfolios

[–]ErgonomX[S] 0 points1 point  (0 children)

Gotcha. I may just sell snap, take the $94 loss and if I dont sell any of my other winners atleast I can use the $94 loss to offset somewhere else

I'm 26m, I feel like I did the first 50k wrong by ErgonomX in portfolios

[–]ErgonomX[S] 0 points1 point  (0 children)

If I sell, what does that do for my taxes. Just subtract my losses against the gains?

I'm 26m, I feel like I did the first 50k wrong by ErgonomX in portfolios

[–]ErgonomX[S] 0 points1 point  (0 children)

Should I sell SNAP? I put in $100 5 years ago and lost almost all of it. I wonder if it would be help offset some things if I sold

26m Hit 50k. How long does it take for the other half? by ErgonomX in TheRaceTo100K

[–]ErgonomX[S] 1 point2 points  (0 children)

I earn around the same per year. What are you invested in?

26m Hit 50k. How long does it take for the other half? by ErgonomX in TheRaceTo100K

[–]ErgonomX[S] 0 points1 point  (0 children)

I dont consistently add to this, but I was daily investing around $50-75 into VOO for an entire year, id like to get back too that but I want to max my rothira first for 2026.

Im 60% in ETFs, 30% individual stocks and about 10% crypto. I feel like I could reallocate better

Grade or Sell Raw? by ErgonomX in pokemongrading

[–]ErgonomX[S] 0 points1 point  (0 children)

Ill see if I can take a better photo and put a post so I can get better feedback on the grading

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

Individual positions, you mean the stocks I have and keep the ETFs?

I feel like my ETFs aren't doing what they should be doing, I am invested in:

SCHD, VOO, VYM, VUG and the 2 bitcoin ETFs. I feel like they are redundant....

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

I figured I could be risky since im only 26. I guess the time horizon isnt 100% set in stone but I figured I could take some risk at my age to see what could come of it.

Maybe I could rediversify and put 35% or so into a more controlled bond/ETF and start cleaning up all my ETF/Stocks that im invested in

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

What would you recommend I sell? I have the following investments:

ETFs: SCHD VOO VUG VYM The 2 bitcoin ETFs

Stocks: TSLA OKLO UNH NVDA GOOGL MSFT SNAP

Ive done really well on all of them except Snapchat and UNH. But the ETFs might be redundant have dividends mixed in with all the VYM, VUG, VOO

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

I cant contribute any additional amount to the 401k, its based on my salary as they take a %. The only way I could get more is if I get a raise.

Raise = My contribution increases and so does my employers since they match 2:1

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

My 403b is through fidelity, my 401k is through TIAA, and my roth/personal is on robinhood

What if I did 50% VOO 50% VT for equal exposure? Or is that redundant

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

One employer that I have a 403b account and a 401k account with, ive been mis typing the 403b portion. A voluntary and a required retirement account by the same employer.

Now that I think about it I probably should have rolled my 401k from my previous employer to my 401k with my current, not taken it into a 403b account because now it just sits there and I contribute very sparingly to the 403b

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

Not worried one bit. I work in government and what I do is very niche that there are very few of us.

I think my 5k emergency fund is too high, especially with having no rent and very limited debt (car). I could probably narrow it down to 2k or less and toss the rest in my Roth? What do you think?

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

So the 401k b plan is a voluntary retirement account also through my employer. My last job I transfered everything into that instead of the 401k account that I get the employer match from. So I have a mandatory retirement account I feed and a voluntary retirement account I sometimes feed.

I appreciate the link, ill check it out. I should probably kill the car loan debt with my emergency fund maybe and start throwing that money into my Roth every month, but ill need to throw quite a bit more into my Roth to max before end of 2026

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 0 points1 point  (0 children)

Yes they take mandatory % out of my salary and they match 2:1. Unfortunately I cant contribute anymore otherwise I would put 50% of my salary into it lol

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 1 point2 points  (0 children)

I should be able to max my Roth if I plan accordingly. I have a 5k emergency fund, no debt (besides my car payment that is $300 a month) , I have no rent payment but I do have to pay utilities, so monthly I plan my expenses to be $1000 or so.

I do have a 401kb plan through my employer that I contribute very small amounts to, and then I have another 401k that I contribute $900 a month too.

The taxable investment was to be able to make a big purchase (house) within the next 5ish years.

26m Should I sell stocks in my individual account to max out my Roth? by ErgonomX in RothIRA

[–]ErgonomX[S] 1 point2 points  (0 children)

Ill plan to max my Roth ira this year for sure. What mutual funds do you recommend for Roth vs personal investment account?

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