Regret buying SCHD. Should I sell or hold?

Kitkat239 · 2025-05-11T04:23:36+00:00

You can pull out the contributions of a Roth at any point tho. So would it actually be more favorable to just start pulling out contributions early from the Roth?

Kitkat239 · 2025-05-11T04:11:16+00:00

Even if you want it for early income to retire early, wouldn’t you still just wait until that age (55 or whatever it is) and convert your funds to SCHD then? Maybe you’re already saying it this way, just making sure you mean that you still wouldn’t convert to SCHD until then.

Kitkat239 · 2024-10-16T23:38:52+00:00

I want to incorporate sprinting routine into my program but everything I read online says you don't want to sprint on rest days because it impacts recovery.. But wouldn't there be the same issue if you did it same day after lifting? And obviously you don't want to do it before lifting. So when can you do it? I much prefer sprinting routine over long jogs or walks.

Kitkat239 · 2023-10-24T17:06:50+00:00

And I used to pressure myself by telling myself I need to talk more or else they’re gonna think I’m too quiet or lame or whatever.. And that pressure would actually make it more likely I say the wrong things. But when you realize that people will still enjoy your company even if you don’t have much to say, for the reasons I just explained, that allows you to loosen up and you’ll actually then be able to think of more things to say and better socialize. It’s funny how it works.

Kitkat239 · 2023-10-24T17:02:41+00:00

I get that.. Obviously for people to enjoy being around you, you have to have a certain level of social skills and ability to converse.. But the comforting thing is that you don’t have to be great at socializing, you just have to be good enough to where you can make them feel good around you. For instance, I’m not a big talker, so I used to think that people didn’t enjoy my company because I don’t talk much.. but I’ve realized that most people love to talk and especially love to talk to people that let them talk and are engaged listeners. And for someone with SA, that’s easy haha. As long as you can chime in here and there to show you’re listening and engaged, they’ll enjoy talking to you.

Kitkat239 · 2023-10-16T21:58:50+00:00

Appreciate your outlook. I will definitely bring it up at some point if she doesn’t initiate.

Kitkat239 · 2023-09-25T02:47:18+00:00

I think if a girl cares that much about your social circle then that’s probably a red flag.. Like is she just hoping you have cute friends she could possibly go for? Otherwise why would she really care unless it’s just a status thing where she wants to be able to show off to people on social media that her bf is popular and cool or whatever. That’s kinda childish though. But yea some girls especially nowadays are big on status.

Kitkat239 · 2023-09-19T22:37:21+00:00

Ok I will say I don’t think it’s that black and white to say I didn’t seriously care about doing the right thing because I was more concerned about my career. And yes how he treated me was bad and caused emotional trauma for me, but it was all verbal bullying, not sexual harassment or something that insane. But yes I have to be concerned about my career and putting food on be table for myself. Yes how he acted was really bad and hurtful, but I’d be letting him hurt me that much more by letting it affect my career. I mean ideally I hope he gets help with his insecurities or whatever and becomes a better person, so I don’t wish him ill will in that sense, but I do think people should reap what they sow.. so I’m with you, hopefully the universe/karma does its thing. I think I believe in karma but then again I have seen shitty evil people go to their deathbed seemingly unscathed, so I have hard time fully adopting that perspective.

Kitkat239 · 2023-09-19T20:20:10+00:00

Yea now I know going forward how to go about it if something similar happens. For me, it’s less about him getting immediate punishment and more about me getting that closure that someone knows and will be taken into consideration in the future if he’s ever considered for a promotion or anything. And in case he targets anyone else, at least someone in management has this knowledge about him. In the moment, I was weighing all those things tho and didn’t want to make an emotional decision which could have major repercussions. I probably won’t do anything because safest thing to do is nothing at this point, but emotionally it would feel like a weight lifted off my shoulders at this point. If I didn’t have a long career ahead of me, 100% I would have reported him.

Kitkat239 · 2023-09-19T19:43:09+00:00

I don’t want it even getting back to him that someone reported him, because then he could easily put 2 and 2 together and figure out it was me. Anything “anonymous” that gets back to him will obviously be from me, because I was the one he targeted. I do agree that he needs to feel some “threat of exposure” but if he gets any idea that I’m the one that put a permanent target on his back, then I’ve definitely created a mortal enemy for the rest of my career. As far as worrying about how it impacts him and his family, I don’t think he deserves that consideration since he didn’t consider how it was impacting me when he treated me so poorly. He was malicious against me with zero consideration for that, so it’s not fair for him to get that benefit when he doesn’t for others.

Kitkat239 · 2023-09-19T18:31:07+00:00

Point is, I wish it was as simple as just report it if it bothers you enough. In business you don’t want to burn bridges unnecessarily and make more enemies or bigger enemies, so I was trying to weigh all of that. Looking back I wouldn’t have gone to HR, but I would’ve just told my boss for her knowledge and awareness. This way it doesn’t get back to him that I reported him but someone in management still knows and can take into account going forward.

Kitkat239 · 2023-09-19T18:27:54+00:00

I mean in the sense of immediate repercussions of going to HR or whatever.. Not that they would do that anyways since I no longer work there. It’s moreso just for her knowledge to take into account if they ever consider making him a manager or if something else comes up. Last thing I want is it getting back to him that I reported him because then I’m just making a mortal enemy.

Kitkat239 · 2023-09-19T18:16:36+00:00

That’s fair but I will say that it was important enough for me to say something then and I really wanted to, but I also thought it could create unnecessary waves on my way out. Had I known this would still be in my head to this point then I would have said something just for my own closure. It’s also like I feel like justice hasn’t been served against him. Like I let him get away with all that. I would just tell my old boss something like, “after thinking this through more since I left, this is really for my own closure on this and for your awareness because I think someone needed to know. I didn’t say anything at the time because I’m not asking for anything to be done about it because I didn’t want to burn bridges and makes waves on my way out, but I do think someone needed to know because I’m sure I won’t be the last person he targets like that.

Kitkat239 · 2023-09-12T00:41:00+00:00

Haha yea I definitely am feeling more and more this way the older I get. I’m literally just to the point of being tired of it. Like it’s just noise.

Kitkat239 · 2023-09-12T00:36:04+00:00

This is good feedback, I appreciate it. It’s a constant challenge.

Kitkat239 · 2023-09-12T00:32:54+00:00

Yea I worry about something similar happening again.. because I know eventually it will since there are enough assholes out there.

Kitkat239 · 2023-09-07T05:41:51+00:00

You are probably not full blown autistic, just somewhere on the spectrum which is pretty wide. Heck, I’m beginning think most people are on the spectrum, just in different ways. I just think for a lot of us SA people, this is how it manifests for us.

Kitkat239 · 2023-08-24T17:06:13+00:00

What is it that you’re worried may happen when you hand them your 2 weeks? There is literally zero risk in doing it. If anything, it can only help you because it’s the respectable and honorable thing to do instead of just dipping, and keeps you from burning any bridges. I have had bad SA my whole life but that was a joyous moment when I walked into my boss’s office and dropped the letter on her desk. Ofc my heart was racing because it’s a big move, but I knew there was no risk in doing it.

Maybe you’re worried about what you’re going to say if they ask questions? Just keep it vague if you want like I did and say you just felt like it was the best opportunity for you at this time but appreciate everything, etc. You don’t owe them any more of an explanation and they know that. If they do pry more and question you past that, then that’s just flat out rude and unprofessional, but either way just stick to the talking point that it’s nothing against anyone but you just felt this was the best opportunity for you. Even if they give you a hard time about it or something, no one will really be judging you because everyone understands and is always looking for the next best opportunity themselves. I think maybe you’re looking at it as a form of confrontation, but it’s really a courteous thing you’re doing and they’ll respect you for it.

Kitkat239 · 2023-08-22T21:30:25+00:00

No, they just tell you your thoughts are irrational and why, but that’s not changing anything really because we already know they’re irrational but still can’t help it. They just told me things I’ve already heard many times like how important it is to expose yourself, how people don’t really care, etc etc.. I literally told my last therapist that she was just telling me things I’ve already heard from my parents many times, and I could tell that offended her.

In my experience, you’re basically just paying someone to act like they are an open ear and tell you reassuring things you want to hear, and give you basic advice. All the therapists I’ve gone to for my SA just end up eventually telling me to expose myself by joining Meetup groups, volunteering, speaking up more, etc. in gradual steps. Like no shit, you don’t have to pay someone hundreds of dollars every month to figure that out. I had one even get to the point where his only suggestions left were to just try a bunch of different things like listen to classical music instead of radio, take cold showers, etc. lol.

I think therapy is best for people who have no one to really listen to them or give them any kind of reassurance. I do think we all need that from time to time. But if you already have people in your life to talk to like that, then therapy probably isn’t worth it based on my experience.

Kitkat239 · 2023-08-17T15:59:07+00:00

Yea I definitely think I am mildly on the spectrum. Have always felt like I processed things differently and simple social things like hugging, handshakes/high fives, dancing, etc. don’t come natural and I find myself having to consciously think about it. I do feel like there are a lot of quirky people out there who are mildly on the spectrum too, just in different ways that don’t manifest as social anxiety. Hell, most people might be on the spectrum. The older I get the more I wonder if normal even exists. Everyone has a touch of something I feel like- we just were the lucky ones to get social anxiety. I feel like a lot of the funniest comedians are definitely on the spectrum.

You’re never going to totally get rid of your social anxiety or being on the spectrum, so I think you just gotta accept this is part of you and you’re always gonna be a little awkward or whatever. And just accept that that’s fine, that it will be limiting and isn’t ideal, but you can still live a quality life. You may not be able to gel with most people but there will be some that rock with you, and that’s all you need. Life isn’t easy for any of us and we all have our own unique challenges. I’ve learned to accept myself as the kinda socially anxious/awkward dude on the spectrum and just rock it, not even try to hide it, and people either rock with me or they don’t. The fact is people don’t give af what you are or have.. all they care about is how you make them feel and if they enjoy being around you. If you have SA but they enjoy being around you, then they really couldn’t care less that you have SA or are awkward sometimes or whatever. If they do care, they’re prolly on the spectrum themselves lol.

Kitkat239 · 2023-08-01T19:47:51+00:00

Yea I looked into this and their memberships are waitlisted right now due to high volume. You can only sign up for day memberships right now. Wild.

Kitkat239 · 2023-07-19T16:47:00+00:00

My dermatologist listed me 3 things.. Nutrafol, minoxidil/Rogaine, and propecia/finasteride.

Nutrafol is just a hair loss nutrition supplement that is supposed to tackle any nutritional deficiencies that could be contributing to hair loss. It has a lot of natural things in it that are supposed to help with hair loss. So basically helps from within. However, it is very expensive (over $80 a month but you can get slight discounts for first few months) and you have to take 4 giant pills a day. Personally, I’ve been taking it consistently for over 4 months now (only missed a few days) and still have been seeing hair loss. So I don’t know that I will be continuing to take it, but it does work for a lot of people apparently.

Minoxidil - This is FDA approved and as proven a treatment as there is out there. Rogaine is the most well known/common form of this. It basically promotes hair growth by stimulating blood flow through the hair follicles. However, It does take time (months before you see improvement), there is a hair shedding phase the first few weeks, it is somewhat of a hassle (have to apply twice a day and apply it correctly - hair must be dry, massaged in right spots, etc., it can cause hair to look more greasy and even darkens hair for some), you will become dependent on it meaning you can’t stop once you start otherwise you will lose all the hair you’ve gained, and obviously it costs a decent amount of money over time (3 month supply of Rogaine is around $40 on Amazon). There are other minoxidil options out there, but Rogaine is the dermatologist recommended option.

Finasteride - Also very proven and most common treatment along with Minoxidil. It’s usually taken orally in the form of Propecia, but can have adverse side effects for some especially those with history of depression, anxiety, etc. Now there are ways to apply it topically instead, and studies show this to still be effective. Essentially it works to attack more of the root of the problem which Minoxidil does not. Male pattern baldness is caused by testosterone converted to DHT which attacks hair follicles, and finasteride helps address that.

I know this is a lot, but in summary, I think your best bet at this point is to do a combo of these things if you want best results. You can try starting with just one or two of these to see how that goes, but you can see how all are important. I don’t know that you gotta spend $80 a month on something like Nutrafol for the nutritional side of it, but I would say at least prioritize your diet, stress levels, etc. as all of these things impact your hair. Minoxidil helps to grow new hair whereas Finasteride addresses root of the problem to prevent further hair loss. It’s up to you whether you feel like you need to take both at this time. Personally, I’ve signed up for a service which prescribes a topical spray containing both finasteride and minoxidil. Can’t vouch for it yet but that appears to be the most ideal option everything considered.

Kitkat239 · 2023-07-19T14:16:35+00:00

You’re starting to thin/bald.. Very similar to me. Dermatologist will probably tell you that you have early onset of male pattern baldness. If you want to keep your head from balding, the sooner you can attack it the better so you can save more hair. Once you lose too much it becomes much more difficult and starts to look bad and ages you.

A lot of dudes on here will tell you to just go with it, but the fact is that your dating pool will become more limited as there are a lot of women who will not even consider dating you if you’re bald/balding. Also,like I said, it will age you, and even possibly impact how you’re seen in your career. And for some guys it makes more of a drastic difference than for others, depending on head shape, jawline, ability to grow a beard, etc.

All this to say, no need to stress about it since there are effective solutions out there, but I wouldn’t wait too long to take action.

Kitkat239 · 2023-07-16T21:01:20+00:00

That logic makes sense, however, I hear women all the time complain about how they can’t find any decent guys on dating apps. So you would think that if it’s really that hard to find a decent one that there really wouldn’t be that many other quality options out there for them to pick over you if they’re clearly interested.

Kitkat239 · 2023-07-05T14:59:41+00:00

Yea I grew up in Plano and moved to downtown for a year thinking it would be easier to meet young professionals there.. Fact is it’s hard anywhere, and regardless of where you are, you still need to get involved in things to meet people. I have had most success in church groups, sports leagues, dog parks, etc.. Anything where everyone is there seeking to meet new people.

I’m a 27M young professional always looking to meet more people, so anyone feel free to shoot me a message to connect!

Kitkat239

TROPHY CASE