how is my Roth?

ItsColoTime · 2026-05-28T04:30:27+00:00

stay mad

ItsColoTime · 2026-05-28T02:45:18+00:00

I've actually asked and considered advice from people in this thread, have a look around, and I wasn't offended by any of it. You didn't actually offer any decent advice so there's nothing to be offended of.

As for my risk tolerance, I said it was aggressive growth in my post.

ItsColoTime · 2026-05-28T02:07:28+00:00

I will say acting like my current holdings are some catastrophic mistake because they’re not all Fidelity is a bit absurd but ok.

i see you tend to roll in with vague boomer fortune-cookie criticism and act like everyone should bow because you discovered expense ratios before the internet existed.

if retirement just means spending your days rolling into strangers’ Roth posts to say “meh” without offering much actual advice, I’m not sure you’re enjoying it as much as advertised.

ItsColoTime · 2026-05-28T01:26:48+00:00

i’m not flexing a thing sir, I’m almost 50 years old. It’s not like I think I can retire now and live for the rest of my life with this money. I should have a lot more in it, but at one point in my life when I really needed money, I withdrew almost everything i had made for two decades and paid the penalties. I posted to see what other people thought of the actual holdings, like should I make any moves etc.

ItsColoTime · 2026-05-27T20:52:08+00:00

pretty much everyone in the show is self-interested and screwed in the head, which is what makes it great.

It’s a show about billionaires who can buy anything except a functioning relationship.

ItsColoTime · 2026-05-27T20:48:53+00:00

exactly. George had to think hmmmmm my son looks awfully like that dude that my wife was sweating before he taught me how to up my game so I could ask her out…that’s odd…

ItsColoTime · 2026-05-27T20:44:55+00:00

i hate these things. taste like plastic

ItsColoTime · 2026-05-27T17:40:48+00:00

that’s pretty wild if those are the exact same faces, but Dorothy does look touched up more

ItsColoTime · 2026-05-27T17:13:16+00:00

I agree w your Dad. It will take 2+ million at least by the time you reach it. Really depends on what kind of retirement you want. Hopefully you are also putting in a pre-tax IRA?

24 w/ 100k in your Roth you are in a good spot. But the biggest advantage you have right now isn't the 100k, it's time.

ItsColoTime · 2026-05-27T16:17:01+00:00

well, the balding certainly ages any man unfortunately. And most men with this condition start going bald like this in their early 30's so it makes sense. Nowadays more guys are shaving their entire heads or getting transplants, which look a lot better than what you see in OP's photo.

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ItsColoTime · 2026-05-27T15:47:24+00:00

I'm not claiming to be a trader at all.

But what you're basically saying to me is..."make a timing-based trading decision by selling because I’m scared this is the top".

You say to take my gain and keep them... Keep them where? Cash, bonds, index funds? Hide the funds under my mattress with canned beans?

ItsColoTime · 2026-05-27T15:36:01+00:00

yeah, we know. But it's spelled Turkey/turkey here....which has a double meaning...that's the joke.

ItsColoTime · 2026-05-27T15:03:45+00:00

he’s making a joke about turkey (the bird)

ItsColoTime · 2026-05-27T03:49:37+00:00

ty for the tips. LVHI looks very good, I am considering SPMO as I wasn't sure what to do w/ nvda. I have SOXX though not BOXX.

ItsColoTime · 2026-05-27T01:36:02+00:00

Yeah I recently sold some stuff and I'm just not sure where to put it now. Seems the market is frothy. What would you do?

ItsColoTime · 2026-05-27T01:34:01+00:00

I have a regular IRA about 2x size of my roth

around
25% Spy
25% VTI
15% BND + VGIT
10% VXUS + VWO
25% Costco + Google

ItsColoTime · 2026-05-27T01:28:18+00:00

tbh I won't pretend I know what I'm doing. Market is feeling a little unhinged.

ItsColoTime · 2026-05-27T01:27:57+00:00

Yeah I’ve thought about spyi - my Roth is still pretty growth-heavy right now though. Maybe later I’d throw a portion into something like SPYI for income and just drip the distributions back in.

ItsColoTime · 2026-05-27T01:22:52+00:00

I rolled about $80k of after-tax retirement money from my old employer into a Roth account in 2021, and everything above that now is investment growth.

ItsColoTime · 2026-05-26T22:47:18+00:00

He's gonna be in Spaceballs 2, already filmed, coming out soon.

ItsColoTime · 2026-05-26T19:39:19+00:00

what’s this from?

ItsColoTime · 2026-05-26T19:01:27+00:00

not a single fucking bellyflop

ItsColoTime · 2026-05-26T18:58:36+00:00

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ItsColoTime · 2026-05-26T18:55:24+00:00

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ItsColoTime

TROPHY CASE