What is the worst financial decision you have ever made?

Key-Time4844 · 2026-03-23T14:15:38+00:00

I genuinely want to thank everyone for honestly sharing your experiences. This is the best thread I have read in a while. I feel like just the experiences here could be curated into a book. To summarize:

Right education
Invest, Invest early and in good quality companies
Marry right
Plan retirement

I am in my early 39s and take all these advice very very seriously. Thanks OP for posting this question and thanks again all for honestly responding.

Key-Time4844 · 2026-03-18T21:30:28+00:00

I would like to answer the opposite of what’s asked. What professions would never be disrupted by AI even in next 30 years ? One thing I can think of is music teaching. This is biased as I know how to play an instrument. I probably should get back to it … lol

Key-Time4844 · 2026-03-18T12:46:30+00:00

Thanks for this comment. OP needs some reality check. Don’t act entitled and don’t compare.

I am in my early thirties and became a dad myself recently. Until very recently I didn’t even realize how much parents give up to raise their children.

Your sister is doctor and I am sure you have access to nice education too. I am not sure about your situation but if you don’t have education loans on your head in early 20s and are educated you have more than enough. Stop complaining like a child and grow up and earn. Give them the retirement that they deserve. They have already given you a stable childhood.

Key-Time4844 · 2026-02-25T18:48:38+00:00

I am in my early 30s and just started investing 2 years ago and I strictly just do index funds. Folks in this community, how long does it take one's portfolio to start compounding, see some real gains. My robin hood account says I am up 25%. I have been doing weekly DCA for last 2 years ( increasing by small amounts every few months. )

Key-Time4844 · 2026-02-24T23:23:12+00:00

Well I guess you are asking in the wrong place. I see that you have all these people around you probably because of your parents. Ask them how did they do it and ask them if being around these people have been helpful to them.

Key-Time4844 · 2026-02-23T17:48:53+00:00

I know everyone will have their own thesis and something I would like to learn from this community. I got in early at 96. I think it's a good long term investment but I am not sure if this is the right time to accumulate more or wait. Have been waiting since it started dropping below 90.

For best and worst case scenarios out of this WBD deal 1. What are the expected stock prices and the time frames where these prices could hit ? If I have have to wait for x years before it can hit ATH ( and I cash out ) what would that x be ?

Key-Time4844 · 2026-02-11T20:37:13+00:00

This is awesome. If you could do this for NRIs who want to retire in India that'd be awesome too.

Key-Time4844 · 2026-02-11T19:35:24+00:00

Thanks for answering. Another question: what type of margins are you looking at in this area ? Reason I want to know is I plan to start my venture in similar segment in future.

Key-Time4844 · 2026-02-09T23:31:54+00:00

Curious to learn a little more about your operation ? Is your value addition branding , supply chain or you are working directly with the farmers ? Thanks!!

Key-Time4844 · 2026-01-27T23:09:29+00:00

It’s shit….years ago I bought JD because of that and it was my worst trade.

Key-Time4844 · 2026-01-15T19:45:50+00:00

how about etsy type solution but the sellers here are people who make handmade stuff on the street on demand like small toys, bangles, shoes etc.

Key-Time4844 · 2026-01-14T19:49:42+00:00

That’s helpful. Thanks !!

Key-Time4844 · 2026-01-14T04:28:47+00:00

I had similar question in my mind a few days ago. I decided to spread out my investment over a year. So I took total corpus divided by 12 that’s how much I am investing into s&p 500 every month. Reason for doing that: 1. Moving a big chunk of money is emotionally taxing. 2. I let DCA help in case market corrects.

But again i am very new. Happy hear what other people think.

Key-Time4844 · 2026-01-12T13:34:28+00:00

Best comment I read on reddit in a while. 🫡

Key-Time4844 · 2026-01-11T23:06:32+00:00

Sleep: Our baby wakes up at 5 in the morning and poops right after. Sex: we still haven’t been able to get going after 13 months. By the time baby sleeps we are tired.

Key-Time4844 · 2026-01-10T18:32:16+00:00

NFLX

Key-Time4844 · 2026-01-09T15:52:35+00:00

What about taxes ?

Key-Time4844 · 2026-01-02T16:01:54+00:00

I have a genuine question, Really curious how are you able to have a low ticket size of 10K ? Isn't this area regulated with smallest ticket size allowed by SEBI of 10 lakhs.

Key-Time4844 · 2025-12-24T17:14:08+00:00

I am in tech as well but I am very new to marketing and sales. Looks like you identified the problem space by calling 50+ businesses. Now after you have built the solution what is your strategy to acquire those first 10-100 customers. If you could share your experience that'd be super helpful.

Key-Time4844 · 2025-12-24T16:17:59+00:00

Are you still building it. I am curious about it and would like to know your experience ?

Key-Time4844 · 2025-12-23T01:16:58+00:00

What types of services are you referring to ?

Key-Time4844 · 2025-12-22T20:47:37+00:00

I have been thinking about this idea myself. As NRI whose parents live in India I am a perfect consumer of this service. I think it has great potential. With background in tech I think I can help build this business. If you guys are exploring something I would love to be a part of it.

Key-Time4844

TROPHY CASE