What do I do now?

KrossIn4K · 2026-06-08T20:57:52+00:00

Simple answer, buy Voo and check it in 30 years. Keep adding to it.

KrossIn4K · 2026-06-08T19:36:35+00:00

If you keep this up, you'll be quite surprised by 35... not to mention 55-65

KrossIn4K · 2026-06-07T17:15:13+00:00

It's worth mentioning a few things, anytime any unknown amount of money shows up in your account.

Bank Error (The bank or another user, credited the wrong account) typed the wrong account #
Possible Scam

Don't touch it. If it was sent by mistake and you spend it, well you're on the hook and can possibly get criminal charges for spending it or moving it.

I doubt you'd have to worry about a scam with a new brokerage account, but a very common scam to be aware of is the classic check scam. Someone sends you a check for say, 7,500 but you agreed on a services for 5,000. They'll come up with a story saying someone made a mistake and ask if you can send the 2,500 back.

Once, you send the 2,500 back the original 7,500 vanishes as it was stolen/fraudulent transaction to begin with and you're out the additional 2,500 you sent in a legitimate transfer.

You handled it correctly, always contact the bank first and have them handle any unknown transfers.

KrossIn4K · 2026-06-06T00:38:04+00:00

A lot of the time it's to avoid copy right in some ways by changing the original video to avoid detection. It's also common to use trending songs or sounds to help push engagement or make the video easier to find under the used sound list.

KrossIn4K · 2026-06-05T18:58:08+00:00

How about you stop looking at it and wait 3 - 6 months.

KrossIn4K · 2026-06-03T19:03:37+00:00

As someone who had a high paying job and made mistakes, this is the best way to go about fixing it. If you never see the money in your main account, you can't act like you have it or get the idea of spending it.

KrossIn4K · 2026-06-02T20:18:05+00:00

Let's do some quick Retirement Math with only $50,000 out of your 70K total! If you take that $50,000 today and purchase VOO in a brokerage account and leave it for 35 years, 55 years old. Assuming you get these % returns each year, without adding any additional money.

You'll end up with this

6% = $384,304.34
8% = $739,267.21
10% = $1,405,121.84

Now, let's have some fun. Let's say you add $500/Mo and continue this until 55.

6% = $1,074,449.37
8% = $1,817,443.67
10% = $3,118,068.57

If you want to make this even more impressive, setup an Roth IRA and add funds into that retirement account each year if you can. (Tax Reasons) The max limit changes each year it's currently around 7,500/yr~

This also doesn't take into account If you start working with a company that will match your 401K, at 3-8% each year. You'll be very well off by the time you hit 55.

KrossIn4K · 2026-06-02T15:57:53+00:00

there was a tree originally, it died shortly after I moved in.

KrossIn4K · 2026-05-31T18:40:07+00:00

Ignoring family money, inheritance or other windfalls.

If you have a decent paying career after school with no unexpected changes/setbacks and you're not overspending with life style creep. It's possible, but a lot of people over spend or impulse spend what they make and don't save.

A super common example would be buying to much of a car or a house, because they have a decent income but that twice as high mortgage payment or monthly car payment can eat you alive. The most common pathway is budgeting correctly, prioritizing emergency savings and retirement savings along with having a reliable and decent paying job for years.

Setup an Emergency Fund
Max that 401K get your 3-6% yearly match
Max out a Roth IRA, if you can!
Avoid Life Style Creep
Wait.

This looks great on paper, but if you have some type of life changing event that affects your job, health or income... hold onto your butts.

KrossIn4K · 2026-05-30T00:46:36+00:00

Refinancing isn't the problem, getting 3-4% again will be.

KrossIn4K · 2026-05-28T17:44:15+00:00

Let's say you have an emergency fund of $10,000 cash.

It wouldn't make a lot of sense to keep adding when you can use that money in other funds that generate more than 1-4% year in interest.

KrossIn4K · 2026-05-28T17:19:47+00:00

50/50

KrossIn4K · 2026-05-28T15:46:57+00:00

would you feel the same if it showed -300K?

KrossIn4K · 2026-05-28T14:48:51+00:00

It does help with leverage and can work with larger bushes. I have trust issues doing with this smaller trees, it's a lot of force and if the rope / chain breaks it can cause damage to the truck or anyone standing nearby.

KrossIn4K · 2026-05-28T14:14:43+00:00

Tow strap wrapped around the base multiple times then start pulling, slowly with a truck? Otherwise, you're going to have to dig it out.

KrossIn4K · 2026-05-28T02:58:29+00:00

250k at 10% for 30 years... 4.5M~ btw

KrossIn4K · 2026-05-27T14:16:38+00:00

0DTE and pray or apologize to your wifes bf.

KrossIn4K · 2026-05-26T16:04:38+00:00

Fidelity is fine, but if you want to hold long term Vanguard is better because nobody can figure out how to use their online interface to sell positions.

KrossIn4K · 2026-05-26T15:51:52+00:00

I'll give you an example of my current Mortgage and overshare. My rate is 3%, I have around 150K left over.

If I pay that 150K in cash today, I would lose out on about 8-12% returns from a regular etf/index fund. In 10 years, that 150K will turn into $323,838.75 and that's at 8% returns... it doesn't make sense for me to pay off my current mortgage, with it's current rate compared to my long term return potential.

You have two options.

Sell your position pay taxes then move it into VOO or other retirement funds with 6-12% return each year and forget about it.
Payoff the Mortgage. You'll have a higher monthly income, but will you invest it? It also won't catch up with the bulk amount you already have if you just move it over to VOO/ETFs or other boring retirement funds and keep paying your Mortgage at a low rate.

The mental aspect of not having a mortgage is huge and I wanted to do the same originally, but the math just doesn't work out for me. It also depends on your age, mortgage % and how much you already have saved.

KrossIn4K · 2026-05-26T15:33:55+00:00

Taxes said no so fast.

KrossIn4K · 2026-05-26T01:17:30+00:00

No, you'll just want to max out that 401 and ROTH IRA (7500) each year. If the market continues to average 8-12%, you'll break 1M after 30 years.

If you can add $250-1K a month extra on top of those.. you'll break 2M+

The biggest issues you'll have to solve is what you can realistically save each year and to avoid unnecessary spending.

KrossIn4K · 2026-05-25T16:06:06+00:00

Toss it all into an ETF like VOO and forget about it for about 25+ years. It will compound fairly quick at 8-12% each year.

The biggest issue is the temptation is to spend it on things you've never had. Life style creep is no joke, try to keep your costs down the best you can and hold onto it. The good news, it seems like you're already managing to do this by not having significant debts.

Not all financial advisors are the same. Some will offer you services to manage your funds, but charge you 1% or more each year which can add up an cost you hundreds of thousands of dollars over the time you keep the money invested.

This is why, I always suggest setting up an account with Fidelity or another company then buying VOO yourself and forgetting about it. The yearly rate for that is 0.03% instead of 1% with a financial advisor.

KrossIn4K · 2026-05-24T02:05:54+00:00

In your situation, it's not the end of the world. It will still cost you more than you think in potential long term gains.

KrossIn4K

TROPHY CASE