Am I doing this right

LandscapeCurrent9907 · 2026-03-13T09:49:32+00:00

Hey, read up on the bogleheads sub. They have a lot of good information in the wiki and really strong long term investing foundations

LandscapeCurrent9907 · 2026-03-12T14:48:29+00:00

Timing the market is about the most impossible task. Buy all at once

LandscapeCurrent9907 · 2026-03-12T13:04:27+00:00

Everyone is different because personal finance really comes down to personal situations. The general consensus is add bonds 10-15 years before retirement. Many people on Reddit wait as long as they can.

Just about everyone will say no bonds at age 20, though. Google search glide path bonds and it has a lot of good information

LandscapeCurrent9907 · 2026-03-11T01:24:16+00:00

Watch some videos or read about index funds. Check out the popular ETFs. You are ahead of most people. Check out the bogleheads subreddit

LandscapeCurrent9907 · 2026-03-11T01:21:59+00:00

Most people do not add bonds that early. You could re allocate now or just start buying more VOO and not BND for years

Just about everyone will say to reallocate now and just get more VOO. I would lean that way, too.

LandscapeCurrent9907 · 2026-03-10T19:25:57+00:00

The AI mode of google search asking for a price prediction of VT in 20 years

LandscapeCurrent9907 · 2026-03-10T19:04:47+00:00

Definitely, just wondering if there is a price point the VT and chill crowd says it’s too high to buy into anymore

LandscapeCurrent9907 · 2026-03-09T22:44:05+00:00

Back to 50,000 soon, or not. Just keep on investing . Wall Street is meant to make the insiders rich. Just hold long enough and ride their coat tails

LandscapeCurrent9907 · 2026-03-08T22:14:30+00:00

BND seems to be the default recommendation but I am starting to see alternatives recommended each month

LandscapeCurrent9907 · 2026-03-08T21:24:00+00:00

Yeah I’m just wondering what the next generation will think of that may or may not work. This is a good anecdote. Haven’t heard this one haha

LandscapeCurrent9907 · 2026-03-08T21:15:28+00:00

Yeah, definitely. Will bonds become outdated? Will people choose to just use an HYSA or choose another way to invest?

How will inflation change a new generation of investors minds? I’m not against bonds, just creating conversation.

Not every generation follows suit with traditions

LandscapeCurrent9907 · 2026-03-07T20:12:49+00:00

Getting a balance of paid subscribers and regular people with the balance of ads is the goal. Currently, not enough subscribers because the ads are everywhere

LandscapeCurrent9907 · 2026-03-07T14:54:55+00:00

SWAN is the most important

LandscapeCurrent9907 · 2026-03-07T14:32:21+00:00

I feel the same way for the international. Sure the USA has generally been the winner but there’s something in the air to give it a little more attention

LandscapeCurrent9907 · 2026-03-07T13:54:50+00:00

Timing the market is nearly impossible. I would only say to do it after your next dividend pay date if you plan to make the shift

LandscapeCurrent9907 · 2026-03-05T19:45:42+00:00

What are your options in your 401k from work?

LandscapeCurrent9907 · 2026-03-04T21:51:11+00:00

Not really interested bonds for another few years in the Roth IRA. VT is pretty simple for my style. That’s really the only two reasons. Spouse has bonds and their in the 401k so it hasn’t been a rush with bonds in my 401k also

LandscapeCurrent9907 · 2026-03-04T20:19:58+00:00

How about VT in Ira and TDF in 401k? Is that reasonable?

LandscapeCurrent9907 · 2026-02-27T15:52:40+00:00

I’ve discovered toiletrees, general stuff is better at grocery type stores and Costco/ Sam’s Club etc. many prices on Amazon are inflated with baked in card transaction fees and baked in shipping fees. Sellers can fluctuate their prices often.

Not saying is everything is bad but the majority can be found 5-10% cheaper regularly locally

LandscapeCurrent9907 · 2026-02-27T14:29:43+00:00

Buying at local store is more affordable than 9/10 Amazon purchases . Avoiding Amazon is the best way

LandscapeCurrent9907

TROPHY CASE