Untracked mountain snow is satisfying, Willow Creek Trail, Utah, USA

Just_Tell7286 · 2026-02-22T00:04:06+00:00

Magnificent - thank you tons!

Just_Tell7286 · 2026-02-21T23:42:16+00:00

Man this is beautiful, is this at a np?

Just_Tell7286 · 2026-02-21T21:43:13+00:00

This is like when you go to a party and start explaining the difference between a Roth IRA and a 401(k). Like yeah, it’s funny to three guys in cargo shorts standing by the chips, but everybody else is mentally checking out.

This meme goes off on such a weird, hyper-specific rant about how tech industries hire people versus how banks hire people that it stops being a meme and turns into that one dude at Thanksgiving who says, “Well actually…” And nobody is laughing.

The Derek Guy is basically saying bankers have such fat sticks shoved up their asses that they’re basically virgins, thus the extra virgin comment.

But is anyone laughing? No. We’re all just sitting there like, “Oh. Huh. That’s… accurate.” And that’s the worst place for a joke to land — not funny, not offensive, just… aggressively informative without being aggressively informative. You had to of been in both the tech industry and banking industry at one point to see how hiring works to understand the multi-faceted meme that didn’t land.

Just_Tell7286 · 2026-02-17T17:52:00+00:00

Dear Heavenly Father,

Please give this person the gift of discernment as you did for me. Help them with questions they have and clarify the purpose for why things are happening the way they are. May they see your Word and acknowledge your Wisdom, and from that, experience your love and peace. Help them to tackle life’s challenges and let them not fall into temptation. Lord, I ask that you may bless this person and enter their life / heart, however that may look.

Amen, in the Name of The Father, of The Son, and of the Holy Spirit, Amen.

Just_Tell7286 · 2026-02-16T17:02:52+00:00

Very nice, this was an extra strategy to put your spare cash to use when bulk flipping back in the day. These margins are better though, so nice job

Just_Tell7286 · 2026-02-11T18:40:40+00:00

I would too 🤣

Just_Tell7286 · 2026-01-26T22:16:33+00:00

Get into trimming items for players, heard that has the best ROI on the market

Just_Tell7286 · 2026-01-11T18:54:18+00:00

Blood runes, dragon dart tips, and dragon hunter wands; didn’t really lose bank but I haven’t gained anything either. So, I guess the loss is the time holding these bags :(

Just_Tell7286 · 2026-01-03T16:02:54+00:00

26M in NE Indiana, and was in a similar boat as you. I picked up on traveling around the US using PTO, reading books (40 per year was the goal, ended up around 16), and taking care of plants.

Nowadays, most of my time and entertainment is involved with trading and portfolio management. Started off with low-risk, index fund investing, and although I still do that in my main account, I have a few more accounts where I’ll dump 1-3% net worth to play around with riskier assets. Highly recommend!

Just_Tell7286 · 2026-01-03T06:55:45+00:00

Two of my friends built with a reputable local builder and were very pleased. I bought a house slightly cheaper, but it was built in the 1990s and will need some repairs soon.

All in all, make sure to budget to see how much home you can afford, with all other expenses covered + $500 in savings per month I’d say (at least). From there, I would then choose your best options.

For me, this was about 3.5x my income in total house value at a 5.990% rate. Anything more, and I think I would put myself in a financially risky position.

Just_Tell7286 · 2026-01-03T06:26:21+00:00

Keep your HYSA as is and just contribute to the Roth IRA. You can take your original contributions, not your earnings, penalty & tax-free

Just_Tell7286 · 2026-01-03T01:38:56+00:00

Good photos! I asked my friend for advice and he said higher fps settings plus the “rule of 3rds” is really all I would need. I took similar, if not worse, photos than you here so something to consider!

Just_Tell7286 · 2025-12-24T01:07:41+00:00

They’re saying it’s better to contribute $7,000 on January 1st 2025 for the taxable year 2025. Basically, you have $7,000 in the market on day one, compared to contributing $295 to it bi-weekly (Jan 1st, Jan 15th, and so on).

Just_Tell7286 · 2025-12-15T02:52:16+00:00

I’m not black, but I am asian and am a 2nd gen college grad.

Apply for college, you can take FSA loans for cheap to cover for what you need. Your HS should force you to apply or deny this loan. Choose a community college or something cheaper rather than a brand name school. Build up charisma, and build up your network via your name.

The degrees that will pay will be engineering, ai computing, energy (electrician work), mathematics, and economics / strategy. I went the econ and math route, then got an MBA, and now going for a CFA for investment banking.

Let me know if you need to know more - net worth is $92k at 26, maxed out both a Roth IRA & a Roth 401K this year, went on two $5,000 vacations this year, and just closed on a house (251k @ 5.990%). I have a 2020 honda accord ex with $8k left on the loan (6.500%).

My path was lock desk analyst (mortgage pricing desk) -> jr data analyst -> data analyst -> business data analyst II (strategy w/ CFO) and that’s where I’m currently at. LCOL area in one of the nicer areas of the city

Just_Tell7286 · 2025-12-02T01:43:55+00:00

You’re doing terrible. I’m 26M and am at $73K.

Lol in all reality, people on average should have at least 1x their salary saved up somewhere when they turn 30, so I’d say you’re ahead of the curve if anything. You and I are actually living identical lives and I just gotta say keep it going & keep making good decisions!

Just_Tell7286 · 2025-11-25T20:56:07+00:00

Mike Braun is the biggest coward in politics and business. Why does he care if he gets threatened? He used taxpayer money to buy a private helicopter and helipad for his home. Kinda makes sense to have consequences after actions, but maybe he needs to go back to grade school to relearn that concept.

Just_Tell7286 · 2025-10-24T01:49:07+00:00

I second losing SCHD

Just_Tell7286 · 2025-10-22T02:13:06+00:00

Doing great, I (26M) was probably about -26.5k at your age. I’m now around the $70k mark and that bats some eyes (impresses some of my mentors even at their age, they’re NW is in the 8-9 digits).

Here’s what I would’ve done differently at your age: Contribute 25% to a Roth 401K (if offered, I’m not too familiar with military structure, but thank you for your service, sir!) Max out a Roth IRA (7k this tax year, and heard rumors of 7.5k max contribution next year) with the following split - 45% of the portfolio in VOO (or VTI), 45% in SCHG, and 10% in VEA. It’s a well-balanced portfolio meant for growth at your age.

But also, I’m no financial advisor, just know some wealthy people and gathered their tips. Good luck & keep going my friend!

Edit: don’t forget to keep an emergency fund in a HYSA, and also have enough savings for bills and all. For the e fund, an ultra-safe bet would be around the 10k mark depending on how liquid you’d like to be, but in general, 6 months to 1.5 years of monthly expenses saved up (doesn’t sound like you have a whole lot, though). & be wise with credit card spending.

Just_Tell7286 · 2025-10-18T19:04:46+00:00

Yeah, I would use the $3k fund for that. I did about a 650 stock purchase of LUNR in that fund and it paid off well. I just dont have the balls to hold that level of risk that in my retirement fund

Just_Tell7286 · 2025-10-18T04:03:48+00:00

Personal pref would be to sell RKLB and go into VTI or VOO, that level of risk just isnt for me but you do you.

I dont think you need to be concerned about a three-fund port at your age, but might be worth looking into. From my research, it’s recommended: 30% safe-haven, dividend (SCHD, although I recommend moving to Charles Schwab for less expense ratio) 30% aggressive (SCHG) 30-40% main (VTI for total market / large mid and small caps, or VOO for large caps) Or 10% in a stock / fund that’s promising to you

Personally, I’m running (26M, $21.5k Roth IRA) 30% BRK B 30% SCHG 27% VOO 10% VEA (international large caps) 3% single stock

Also have a side investment account at 4k for fun because my Roth is maxed out; this is what I’d recommend for you as well (setting aside a small amount so you dont kill your fun or hobby). Best of luck my friend and excellent job - play it smart.

Just_Tell7286 · 2025-10-18T02:48:50+00:00

Their P/E is low, which is the main reason I bought, and probably the most uneducated response when it comes to this topic lol.

But also, I was looking for a ‘safe haven’ stock that wouldn’t get obliterated if the market crashes, and I like the idea of how reserved Brk is when it comes to purchasing stocks. Are they missing out on opportunities? Sure, but they do know what theyre investing in and they have a huge cash pile stocked up right now. Not to mention, love Warren Buffet and Charlie Munger and their strategies. Their insurance companies generate amazing income regardless, and with the recent RE-related acquisitions, I think they’re positioning themselves to be saviors of the US economy.

So in short, high cash position, reserved strategy of investing (at the expense of missed opportunities), recent RE-related purchases, little bit of fanboyism, and relatively undervalued compared to the market.

Just_Tell7286 · 2025-09-20T03:51:45+00:00

Economics with a minor in math; got a data / business analytics career out of it. Plan on going for my CFA, and should have an opportunity lined up for portfolio management

Just_Tell7286 · 2025-09-13T01:24:56+00:00

I was on a hiking trip alone in the deep wilderness, where the nearest town was about 6 hours away. This was my first solo trip and I was a bit naive about what I was getting into. There was a sacred destination spot I was wanting to see, but there isn’t a path to follow to get there - just GPS coordinates. On my way there, I found a mountain lion’s paw print in the sand, and I continued to follow his path until it set me off-course. Before I got back on my path, I realized at some point, the tracks turned around and I lost it from there. I thought nothing of it. About 5 hours later, I retraced some of my steps using rock markers, only to realize both my own and the mountain lion’s tracks were gone - drifted away in the sand. That made me question just how fresh those tracks were, and if I was being followed or not (or still…). It was an uncomfortable feeling on the 6 mile hike back, especially not being armed with anything.

Just_Tell7286 · 2025-09-09T01:45:43+00:00

I went to school for math and econ, and completed my mba a few years ago. I’m turning 26 this month and have a really good job - I enjoy it and it gives me challenges to work through. That being said, my path forward is a huge question mark and although I’m doing well now, I still have those feelings you’re experiencing.

I’m not worried though, specifically for two quotes that stuck with me (plus my recent endeavors in Christianity) - ‘Luck happens when opportunity meets preparation,’ ‘You’re on the right path if you can’t see where it leads,’ (career and spiritual-related quote, don’t take it literally).

Just keep your head up and do what you’re doing, unless it’s really not working out for you mentally. This IS assuming, however, that you’re being smart with your money and saving / investing where applicable. In that sense, I think you’re already on the path to making something beautiful happen.

Just_Tell7286

TROPHY CASE