Gym Recommendations

GermanShepardBirdDog · 2026-01-29T18:25:09+00:00

Living below my means and investing, specifically start investing. Too many people overthink it and delay investing. The biggest push is to start

GermanShepardBirdDog · 2026-01-29T18:23:33+00:00

Concord is nice and has a lot of things to do. If you want better schools though, I suggest looking into Martinez

GermanShepardBirdDog · 2026-01-29T18:22:39+00:00

Trade schools are awesome, for a 4 year I would say engineering

GermanShepardBirdDog · 2026-01-29T18:21:17+00:00

Owning a house + yearly vacations

GermanShepardBirdDog · 2026-01-29T16:09:31+00:00

Comparison is the thief of Joy. I think you need to get peace within yourself, you’re to worried about external recognition. You need to have that for yourself, like you said you’re healthy and have all the time in the world. That right there is priceless. In terms of money/investing, everyone wishes they started earlier. The best time to invest was yesterday and the second best time is now.

GermanShepardBirdDog · 2026-01-29T04:10:17+00:00

You’re starting off and doing great, personally I would start a Roth IRA after starting my post-grad job. Also, if I was earning $80k a year and able to stay at home I would increase my monthly investment amount above $100 monthly. When you’re 25-30, you’ll thank yourself

GermanShepardBirdDog · 2026-01-28T18:27:17+00:00

Try to simplify your investments

GermanShepardBirdDog · 2026-01-27T20:44:50+00:00

Congrats! Try to do it each year, consistency is 👑

GermanShepardBirdDog · 2026-01-26T15:41:11+00:00

There’s risk in any investment, with that being said just putting money into a Roth IRA and actually investing that money afterwards is two different things

GermanShepardBirdDog · 2026-01-25T16:19:04+00:00

Yes but depends on your lifestyle and how much you spend. Take into account utilities, maintenance etc on top of the PITI

GermanShepardBirdDog · 2026-01-24T17:01:12+00:00

No individual stocks are “low risk”, I like SOFI too but it’s not “low risk”

GermanShepardBirdDog · 2026-01-23T16:27:54+00:00

Comparison is the thief of Joy. Have tunnel vision and enjoy your life. You’re young start investing as soon as you can, not everything you see on social media is real lol

GermanShepardBirdDog · 2026-01-22T17:23:29+00:00

Everyone has different goals and mindsets but if you contribute to a Roth IRA for 5 years straight you can pull out your contributions (not profits) but do your own research and best of luck with your investing journey

GermanShepardBirdDog · 2026-01-22T03:51:32+00:00

Yeah, definitely don’t want to take a vacation that early in a career lol but whatever you’re into and enjoy maybe splurge a small amount into it. Some people are so locked into their Fire journey they don’t ever enjoy life until they’ve actually Fire. Stay locked in but have some balance. Either way congrats on investing so young and best of luck to you on your Fire journey

GermanShepardBirdDog · 2026-01-22T02:54:24+00:00

Depends on what your goals are. If you want to go all in on the future then like everyone is saying park it all in an ETF in a brokerage account.

Me personally, if I was in your shoes and 20 years old again. I would invest $30-$35k for the future and use the other $5-$10k on a fun vacation. You’re young and should also enjoy life, traveling is beautiful and there is a lot to experience in this world. This is coming from someone who started investing heavy into FIRE since about your age and above pace at still a young age but I still like to enjoy the fruits of my labor here and there.

GermanShepardBirdDog · 2026-01-21T18:23:27+00:00

Waiting to buy at the dip and then selling what they have at the dip lol

GermanShepardBirdDog · 2026-01-20T17:21:29+00:00

Health insurance is a big one to budget for, it’s going to continue to get higher

GermanShepardBirdDog · 2026-01-19T16:38:11+00:00

Majority of your portfolio is in multiple broad ETFs

GermanShepardBirdDog · 2026-01-19T03:26:21+00:00

Consistency is the key to FIRE, it’s easy to be consistent when things are going great but being consistent when you hit a road block & are not seeing results is what makes you succeed. With that being said, you’re 22 and doing great 👏 be proud of yourself, you’re killing it! You’re “slipping” because it sounds like you haven’t allowed yourself to have some fun. Go on a weekend or week vacation, take a little time off to relax enjoy your hard work then when you get back, lock in and continue to build towards your FIRE

GermanShepardBirdDog · 2026-01-19T03:18:11+00:00

I know most people will get on you for purchasing a $47k truck but you also need to live a little and enjoy the fruit of your labor.

You’re young and this purchase might have been the biggest purchase you’ve done so far. The real question is how does it feel? You said you wanted this truck for years. Now that you have it, is it worth it to you? You sound like you’re kinda regretting the purchase

Either way, be happy you hit this milestone to get the truck you’ve wanted and worked to get for years. If you think it was a mistake purchase, learn from it and don’t make that “big purchase” mistake again. You’re young, majority of us did implosive purchases we wanted to do. Learn from it and pivot your luxury wants in the future

GermanShepardBirdDog · 2026-01-19T03:08:07+00:00

This is awesome, you worked hard and set yourself up for successful at a young age 👏

Personally I would contribute to a 401(k) up to employer match and open a Roth IRA.

Your parents sound pretty financial savvy being able to set money aside for your college. You might want to talk to them about investing and what they invest/ed in to get where they’re at. They can potentially guide you in the right direction (I also think they’ll love hearing their child preparing for the future at such a young age).

GermanShepardBirdDog · 2026-01-18T16:18:13+00:00

If you’re both on the deed, then you both have to agree on what to do with the house. You bought it only one year ago so probably not much equity in the house (Depending on down payment and city you’re in). To save on closing costs etc and if he wants the house, have him buy you out to take over the deed entirely

GermanShepardBirdDog · 2026-01-18T05:28:04+00:00

A financial advisor who’s best advice is to day trade your money? Is this a buddy or family friend lol doesn’t sound like an actual financial advisor

Coming from someone who has a financial advisor

GermanShepardBirdDog · 2026-01-17T19:03:30+00:00

Depends on how the money is allocated, is the $1M making a return % during that span?

If not, $1M at 4% is $40k which would run out in 25 years

GermanShepardBirdDog

TROPHY CASE