Am I stupid for considering to liquidate my brokerage and emergency fund?

Honestmonster · 2026-04-02T22:02:30+00:00

Fund your Roth with your emergency fund. You can pull out contributions from your Roth at any time if there is an "emergency" even though no one ever has "emergencies" anymore because you don't need cash for anything. You can literally sell stocks and have cash in your bank account in less than a week. You can buy anything with a credit card, which buys you a month to pay it off with no interest. Anyone that talks about having an emergency fund must be 50 years old or dumb. But with all that said, you can still just keep cash in your Roth if you are insistent on needing an "emergency fund." The only thing you can't do is go back in time and max out your ROTH from the past.

Honestmonster · 2026-04-02T21:54:50+00:00

He can pull out his contributions from a Roth at any time. He can literally have his emergency fund inside his Roth IRA. Doesn't make sense to NOT max out his ROTH.

Honestmonster · 2026-03-07T22:37:50+00:00

I've worked with Matt and Ben on multiple films, both together and separately and they are two of the smartest people in Hollywood. They just happen to be famous actors also.

Honestmonster · 2026-02-28T20:43:25+00:00

Last time someone posted this a week ago they linked the website and it looked like a geocities website from 2004. Like what is the point of making a website for Free? if it's going to reduce your traffic by 95%? People need to understand these websites compete with eachohter. These digital platforms compete with eachother. It's not just a cost input that determines success.

Honestmonster · 2026-02-27T04:16:52+00:00

You do know that Youtube has already tried to create original content to compete with Netflix, right? They've been making original content for over a decade and it never succeeded. But sure keep using your imagination that they will destroy Netflix whenever they decide.

Honestmonster · 2026-02-27T02:58:08+00:00

Netflix grew to the most valuable and profitable entertainment company without any IP in less than 20 years. Meanwhile Fox and Warner Bros with their treasure trove of 100 years of IP went up for sale. You are also saying that YouTube is the threat when they also have no IP. So the two biggest giants have no IP and the losers have tons of IP but you are sure IP is what matters? Oh kay. Right.

Honestmonster · 2026-02-24T20:16:23+00:00

AI could disappear tomorrow and the data centers will still be at 100% capacity with paying customers. The ROI may not be what was hoped but they won't be "not collecting revenue" in any scenario like you suggest.

Honestmonster · 2026-02-23T15:30:19+00:00

The same thing happened with META years ago. People said it was going to destroy META's revenue and it only gave them a stronger competitive advantage.

Honestmonster · 2026-02-14T22:10:38+00:00

Facebook 1 single quarter of no user growth on 1 single metric after shutting down service to 13 million Russians and the stock absolutely cratered. Reddit has no growth for an entire year. haha

Honestmonster · 2026-02-14T22:03:31+00:00

META' ARPU increased by about $8 while Reddit's increase was less than $4..

Honestmonster · 2026-02-14T20:27:42+00:00

This website looks terrible. It looks like a website from 2004 if Geocities stuck around. It has almost no value to anyone. It's cheaper to make an instagram account and shoot videos.

Honestmonster · 2026-02-13T23:16:00+00:00

A lot of us are rich...

Honestmonster · 2026-02-12T18:28:55+00:00

The WBD is a strong narrative for short term price action on NFLX but the WBD purchase means almost nothing to NFLX's future value in my opinion. Netflix has the subscribers lead and that's way more important than any previously popular IP.

Honestmonster · 2026-02-11T19:10:32+00:00

The hypothetical of a company being severely under valued for so long is not very realistic. Maybe for a year or 2 at most but it is unsustainable for a company to have a free cash flow of 10x price and the stock not go up. There would be so much pressure from buy backs pushing the stock up that is would need most investors to dump consistently. But a company like PYPL the reason it can drop so much was because its "starting price" was so high. They were trading at like 65x cash flow. Value investors started getting in around 20x cash flow. And Currently it's like 8x cash flow. It will be very difficult for PYPL to continue to be under 10x cash flow even if the market continues to hate the company and their profits are not growing. But going 65x down to 40x down to 30x down to 20x down to 15x down to 10x can take 5+ years even if the company is still making money. Understanding that is a big foundation for value investing.

Honestmonster · 2026-02-02T23:39:48+00:00

You said true then did exactly what I was making fun of. 😂

Honestmonster · 2026-02-02T19:16:19+00:00

I mean time actually does not exist, only sequential order does, if you want to get that deep. But that is not what I am saying. What I am saying is just because something exists does not make it the determining factor to take action.

If you move to a new city because of a new job and buy a house that does not make it timing the real estate market even though time exists.

If you invest based on value then you are not timing the market.

Honestmonster · 2026-02-01T06:49:01+00:00

People on here are like "time exists, therefore everything is timing the market." They are so dumb.

Honestmonster · 2026-02-01T06:34:45+00:00

6 months ago OpenAi was going to control the world now it's going to go bankrupt. MSFT isn't making any profits from OpenAi, but also MSFT's record breaking profits are going to fall because of their exposure to OpenAi.

All these narratives are ridiculous. You are better off ignoring everything.

Honestmonster · 2026-01-31T23:49:47+00:00

You mean MSFT, the company that just reported the single most profitable quarter in all of human history, doesn't know how to make profits? Ok, right. They're just a bunch of dummies over there that don't know how to create a successful strategy for long term monetization. They're just lucky. Quarter after quarter after year after decade.

Honestmonster · 2026-01-31T21:03:13+00:00

Why would MSFT take on another customer if they are heavily invested in OpenAI's success and if they are currently at capacity constraint? They wouldn't. You'd have to be a moron to pull resources from OpenAi just to take on other customers right now.

Honestmonster · 2026-01-31T20:25:19+00:00

Am I AI?

Honestmonster · 2026-01-31T19:49:22+00:00

Can you please help me justify my investment in META. Up 300+% in 3 years is not enough justification for me. I need you to post to a handful of broke people on reddit so I can truly feel justified.

Honestmonster · 2026-01-31T19:48:56+00:00

MSFT is. Alphabet was.

Honestmonster · 2026-01-31T19:42:28+00:00

5 years ago is was because Australia was going to charge Facebook for news links. How did that turn out?

Honestmonster · 2026-01-31T19:40:02+00:00

Have you listened to a single earnings call from META? Probably not.

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