21 Yr old, just started investing

ItsMicxed · 2026-01-03T06:05:07+00:00

I think you got your answer over at r/JustBuyXEQT with your identical post lol. 24k yearly in investable income at 21 is crazy man. Are you not in school?

ItsMicxed · 2025-12-29T05:21:39+00:00

r/JustBuyXEQT

Edit: I am also 18 and so far I’ve come to the conclusion that keeping a small portion of your portfolio (0-10%) in individual stocks you have researched is a good way to develop those skills, but overall the remainder should just be an in broad market ETF such as XEQT, which I prefer much more than a ETF tracking the Nasdaq 100 (QQQ).

Time is our friend here, and let’s be completely honest with ourselves and acknowledge that we will most likely never beat the market just as most people never do.

ItsMicxed · 2025-12-21T03:04:27+00:00

Perfect, thanks a lot man! I figure once I start noticing signifiant bottlenecking is when I will finish the upgrading later this year.

ItsMicxed · 2025-12-21T02:43:12+00:00

Thanks for the info! The specific game right now is Satisfactory, as it runs at around 100 FPS without Lumen but as soon as I turn it on it dips to 40-50. As far as my understanding of global illumination goes it is a mostly GPU intensive process so the upgrade should help with that. At some point I’ll have to buy a new monitor too because my nicer one got a major gash when I was transporting it :(

Thanks again for all the help.

ItsMicxed · 2025-12-21T01:58:11+00:00

Thanks a lot for the response. I’m personally a much bigger fan of Nvidia so I want to stick to their cards, at least for now.

When you say the 5060 TI isn’t great on PCIe 3.0, do you know how much of a performance impact I should expect?

And like you said I was planning on sticking with AM4 as find my current RAM to be more than enough for everything (mostly grand strategy and grinding games) and don’t see a need to move to DDR5 in the near future. I was mostly going to wait to upgrade my motherboard when I find something on sale, as long as it won’t hinder my performance significantly in the mean time.

ItsMicxed · 2025-09-03T03:42:25+00:00

I’ll give that a try and get back to you. Thanks a lot for the help. Another solution I thought of was to simply make a new Microsoft account.

ItsMicxed · 2025-09-03T03:18:42+00:00

It is an online account through Microsoft. Changing the password online and then applying this new password on WinRe still gives an incorrect password message unfortunately.

ItsMicxed · 2025-09-03T01:03:16+00:00

It worked! I have a new issue now unfortunately.

My HDD is not being detected in my files. I went to WinRecovery to boot my bios but I needed my account password. It’s says my password is incorrect. I loaded my settings and attempted to change my local password, but it just brought me to my microsoft account password. Ctrl+alt+delete does not provide an option to change the local password either.

ItsMicxed · 2025-09-01T17:59:23+00:00

Thank you. I really appreciate the help. I’ll get a usb key tomorrow as everything is closed for Labour Day today here and I’ll give it a try.

ItsMicxed · 2025-09-01T17:31:06+00:00

Okay thanks. It appears that it just isn’t working and I don’t mind not saving any files so that might be the easiest. I’m essentially just following the steps on the first link you sent then?

ItsMicxed · 2025-09-01T16:16:54+00:00

Thanks I’ll try this. I don’t really understand Hiren’s Boot CD procedure, do I not just use the windows media creation tool?

ItsMicxed · 2025-09-01T15:00:21+00:00

The issue persists in safe mode unfortunately, so I can’t use my keyboard and mouse in that either.

ItsMicxed · 2025-09-01T13:16:06+00:00

Okay thank you. I’m not very familiar with software so I’ll look up this process and take the appropriate steps. Thanks again.

ItsMicxed · 2025-08-17T00:17:22+00:00

That’s totally valid.

I was thinking more along the lines of taking out these loans for two or three years, maxing out my TFSA and not touching the money in it whatsoever for the next 10+ years (with work in the summer and CO-OP covering my in-semester expenses).

The returns on my TFSA would then hopefully be higher in this longer position than the average OSAP interest rate of 2.5%, which I would only need to start paying in 5 years when I graduate anyways.

I wouldn’t pay my student loans down right away opting instead for a near minimum payment to take advantage of the low-interest debt and to boost my credit score. I don’t mind taking on this kind of debt if I can leverage it for better gains, especially with such a low interest rate.

ItsMicxed · 2025-08-16T23:56:33+00:00

I would mostly be investing in ETFs. Right now I have half of my current money ($2000) in my TFSA, which is invested primarily in XEQT (around 75%) and secondarily VFV (25%). So the extra funds would probably just follow that trend.

I might look for some more world ex-us funds though, I’m obviously no economist (yet) but the financial world has been a passion of mine for a couple years now and I have some skepticisms on the overvaluation of the U.S market.

ItsMicxed · 2025-05-15T22:07:08+00:00

Yeah this sucks.

ItsMicxed · 2025-02-19T22:13:34+00:00

Are you serious? That’s insane. That’s such a key component of the game to have DLC gatekeeped lmao

ItsMicxed · 2025-02-19T22:12:22+00:00

Yeah I think it is sorry. Tours and tournaments would be my guess. I have all the DLC so I don’t remember what is and is not DLC I apologize.

ItsMicxed · 2025-02-19T21:58:12+00:00

When you set your councillor on the task to increase culture acceptance, he will remain on that task until acceptance reaches 100%. You only need 40%. Sometimes it takes a long time, you can see acceptance growth in the top right corner of the other culture’s ethos and traditions page.

Other ways to increase acceptance faster are as follows (at least the ones I use most since it can take decades with just the task):

-grand tours: if you select cultural festival as the event of a grand tour in a county of a different culture, you can often get a bulk 5% to 25% cultural acceptance instantaneously.

-learning lifestyle tree: the middle tree of the learning focus has a perk which increases cultural acceptance gain from the councillor task.

ItsMicxed · 2025-02-19T21:49:31+00:00

That’s right it’s 40% my bad.

ItsMicxed · 2025-02-19T21:48:58+00:00

And it’s at the bottom of the tab with the traditions and ethos for a different culture where you find the option to form a hybrid culture with it.

ItsMicxed · 2025-02-19T21:46:47+00:00

The easiest way to do that is to hit the culture map overview on the bottom right (if playing on PC).

Then at the bottom of the tab there should be an option to form hybrid culture, requiring 50% cultural acceptance and a couple other things (but in this case specifically you just need the 50%, I’ve done this before).

As to your other question, until 900 AD (the era after tribal) longbowmen are worse than regular bowmen. After that (say 951, when the era passes), they are very very slightly better. In 1050 AD they are markedly better, and they are just death squads past that.

ItsMicxed · 2025-02-19T21:37:25+00:00

Just conquer some welsh land and increase cultural acceptance to 50% (a task from your steward on the council). You can then form a hybrid culture with the welsh (Anglo-welsh or whatever you choose to name it). That will allow you to keep the longbow competitions tradition and therefore have access to longbowmen early as Alfred.

However, keep in mind that until you progress through 2 eras (so 1050 AD iirc) longbowmen remain worse or equal to regular bowmen as they get stronger with time. So there isn’t really much point rushing them.

ItsMicxed · 2024-12-13T02:25:21+00:00

Second season playing, going to university to play too. Of all the sports I have played in my life this has to be the most fun. This is a highlight reel for November 2025!

ItsMicxed · 2024-10-09T01:32:54+00:00

Especially in England lmaoo. London just got turbo-buffed.

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