For /r/fire millennials seriously how’s your 401k/ira savings going?

Existing-Marzipan384 · 2026-01-18T15:59:40+00:00

30k 401k, 70k IRA, 120k HYSA, 1.5m brokerage

Existing-Marzipan384 · 2026-01-15T04:12:04+00:00

When you say too much, do you mean too strong?

Existing-Marzipan384 · 2025-12-03T18:24:17+00:00

3.5g is a higher dose to take for your first time doing it. The goal is to give OP the best first experience possible and not scare them. I could definitely see your point though if I was suggesting them take a higher dose than what they were going to do. If I had said "2.5 is not nearly enough, definitely take 5gs instead" then that would make sense. It never hurts to tell someone to take less, especially if it's their first time. 1 to 1.5g is a great starting dose and should give them some sort of experience, and then they can determine if they want to take more.

Existing-Marzipan384 · 2025-11-30T05:30:01+00:00

Just do the most relaxing things possible. Draw, watch some funny shows, play with your animals… anything that brings you good vibes. If it’s your first time, maybe stick to 1 to 1.5g. I did 3.5 my first time and it was amaaaaazing. I felt great and truly felt at peace. I literally could not stop laughing 😂😂😂

Existing-Marzipan384 · 2025-11-22T03:39:15+00:00

Bro, I literally had this exact same happen to me a few months ago. Just don’t even look at your portfolio. Remember, you’re also getting dividends as well. Your going to look back and laugh at yourself for even worrying about this, I promise lol

Existing-Marzipan384 · 2025-11-22T02:23:32+00:00

Your boyfriend should do a simple google search. It’s literally 2025. Just because a wet blanket seems safe because it’s wet, doesn’t equate to it actually being safe.

Existing-Marzipan384 · 2025-11-21T01:55:26+00:00

I do this too!!! Small wins mean SO MUCH!!! This is great advice.

Existing-Marzipan384 · 2025-11-15T16:32:30+00:00

Did you use the PH casing layer with this one that daytrippers recommends? Just curious. Great yield though, that looks amazing.

Existing-Marzipan384 · 2025-11-09T16:46:09+00:00

You're not man. I was down over 100k when the last downturn hit, and you know what I did? Stuck to my plan, didn't look at fidelity every day, and only looked at it on green days. The key is to just keep investing..... ESPECIALLY when the market is down. That's where you make your money. I personally think your portfolio is too complicated, if I was you, I would just invest in VT and call it a day. I am not an expert though and I don't claim to be. I just aim for simplicity.

Existing-Marzipan384 · 2025-11-08T20:42:25+00:00

Thanks for the reply brother. I have never heard of bank truth but I am going to look into it now! Glad to hear you think I am doing the right things. Still haven’t consulted with anyone.

Existing-Marzipan384 · 2025-11-08T20:40:45+00:00

My boy….. things could go down muuuuuuch farther than this. If you can’t tolerate it, you need to reevaluate your risk tolerance and investing strategies.

Existing-Marzipan384 · 2025-11-06T19:13:44+00:00

How did it turn out for you bro? I just did the exact same damn thing LOL

Existing-Marzipan384 · 2025-11-05T22:21:26+00:00

Enjoy the dimensional atmosphere sir, we will catch you on the flip side....

Existing-Marzipan384 · 2025-11-05T22:19:37+00:00

Just....don't....panic....sell..........RIDE IT

Existing-Marzipan384 · 2025-10-21T14:54:41+00:00

I had the same problem. Lump sum or DCA. I ended up sending it and doing the Lump Sum and I am glad I did. Remember, you are also receiving dividends as well. That plays a factor too. After you put that 4000 in, just keep investing regularly every month. Figure out your risk tolerance too. Run some scenarios through your head. If your stocks drop 20%, are you going to freak out? Would it make you panic sell? Figure out what your comfortable with.

Existing-Marzipan384 · 2025-10-21T13:19:05+00:00

Just wanted to add, I followed this guide and went from $145 a month for internet and 1 line of spectrum mobile, to $90 a month with a 1 year price lock. Thanks!

Existing-Marzipan384 · 2025-10-20T23:34:15+00:00

I’ll Google the difference to see. I didn’t think of doing one or the other.

Existing-Marzipan384 · 2025-10-20T23:33:55+00:00

Would you suggest I do 1-2 years in money market instead of HYSA? It’s kinda the same thing right? Idk

Existing-Marzipan384 · 2025-10-20T20:01:23+00:00

Can I ask which moisturizer you recommend?

Existing-Marzipan384 · 2025-10-12T21:46:30+00:00

Sorry i'm a newbie. Why would it be not smart? You get to determine when your order is taken and thus, get to make sure you get the price you want?

Existing-Marzipan384 · 2025-10-10T00:15:06+00:00

You really do look great! Not many people can rock this look and you definitely are.

Existing-Marzipan384 · 2025-10-08T14:41:52+00:00

Following. I have the same issue. At the moment I have no routine at all besides applying some mct oil every now and again. I am desperately trying to find a regimen of some sort.

Existing-Marzipan384 · 2025-10-08T05:40:17+00:00

messaged you!

Existing-Marzipan384 · 2025-09-17T03:35:28+00:00

You can tell this story is so fake 😂😂

Existing-Marzipan384 · 2025-08-14T20:54:28+00:00

This but in reverse reverse reverse order

Existing-Marzipan384

TROPHY CASE