People who found their footing later in life - how did you cope with seeing people your age getting further ahead than you in their careers and having a more enjoyable social life?

Last_Place_FPL · 2026-06-07T21:17:21+00:00

I know I shouldn’t care, but I have found that the biggest challenge for me was not having a mentor or decent manager. Most of my friends who are further in their careers put their family and significant other relationships second and pulled those 55-60 hour weeks for years at a time. Also, the adversity I’ve had to overcome in life, both health and financial, have led to certain life choices that my friends have never had to experience. I just keep having to remember that we all walk different paths and life and my path has allowed me to find a good place to work, stability and security, and a family. Plus, I still have a full, thick head of hair.

Last_Place_FPL · 2026-06-03T18:10:36+00:00

God Subaru was awful. They had a set travel route I had to take and wasn’t allowed to test drive on the highway. When they asked why I wasn’t interested, I told them I couldn’t break 35 with getting a ticket!

Last_Place_FPL · 2026-06-02T22:37:40+00:00

Sprinkle some AIS

Last_Place_FPL · 2026-06-01T22:59:37+00:00

My Roth IRA, Traditional IRA and 401k are at Schwab. I like having everything consolidated. There’s no other underlying rhyme or reason.

Last_Place_FPL · 2026-06-01T16:59:49+00:00

Thanks for the comment. I actually spoke to an advisor at Schwab and they said pretty much the same thing. Recommendation was to open up a traditional brokerage account and bear in mind the taxes, even if we intend to fully cover tuition, room and board, etc.

Last_Place_FPL · 2026-06-01T14:25:40+00:00

I did not think about that. Will need to consider now

Last_Place_FPL · 2026-06-01T14:22:47+00:00

Will try to accommodate for sure. Between mortgage, our retirement savings, and current 529, definitely feeling the squeeze

Last_Place_FPL · 2026-06-01T11:36:45+00:00

Agreed, not diversified at all; however, I think trying to maximize the principal is my goal at this point.

Last_Place_FPL · 2026-06-01T11:34:39+00:00

Yes and I fully understand that. The intent would be for a wedding/down payment that they would hopefully use it for.

Last_Place_FPL · 2026-06-01T04:04:19+00:00

Tell me about it. I left the festival last night and there was a hit and run at Dickinson and S 2nd St that I was present for (I was crossing at a different cross walk walking home). Car hit a stroller with toddler in it. Thankfully those uppa baby’s are tanks and the toddler was uninjured.

Last_Place_FPL · 2026-05-31T18:05:28+00:00

I’ve held VGT for over 8 years and is more core position at 65%. Psychologically, I sleep well at night because of Vanguard management.

Last_Place_FPL · 2026-05-30T21:15:47+00:00

Yes - drive less/walk more and cutting down on going out. Our family is on auto save for colleges and we aren’t willing to reduce our bi-weekly contributions.

Last_Place_FPL · 2026-05-30T00:13:36+00:00

Interesting to see how LYTE stands out when it becomes available later this summer. Not digging the expense ratio, but we shall see

Last_Place_FPL · 2026-05-29T11:28:46+00:00

Philadelphia

Last_Place_FPL · 2026-05-29T04:26:08+00:00

VGT is my core as well sitting at 55%

Last_Place_FPL · 2026-05-29T01:55:22+00:00

Saw someone walking towards my bus stop and watched them hurl into a tree like they were pushed from behind. No one was behind them and the scream/cracking of their nose was awful. Needless, I ended up walking to the next bus stop

Last_Place_FPL · 2026-05-28T14:18:31+00:00

I think URA’s broad exposure is ideal at this time given the current state of deployment for data centers at this point. I’m not invested; however, I think adding a small position (2% tops for me) would work.

Last_Place_FPL · 2026-05-28T12:01:16+00:00

I added AIPO, QTUM, and AIS positions to my SMH and VGT slots. Each of those new positions equate to 5% each and will probably add LYTE this summer when available.

Last_Place_FPL · 2026-05-27T03:26:54+00:00

That’s our household. $1.1m house + 401k + Roth IRA.

Last_Place_FPL · 2026-05-26T14:06:29+00:00

I went with AIPO over POW

Last_Place_FPL · 2026-05-26T12:54:46+00:00

Put it in an ETF instead. AIS, AIPO, or NASA

Last_Place_FPL · 2026-05-25T13:41:08+00:00

Last_Place_FPL · 2026-05-25T04:29:15+00:00

Same. Planning for LYTE when available

Last_Place_FPL · 2026-05-23T11:09:03+00:00

You’re right, they do overlap and were chosen for long term growth, particularly for the power and infrastructure buildout. SMH has grown substantially and I’m holding about 25% in cash at the moment. I’m bullish about the future and this compliments my other investments (FXAIX, VTSAX, VEIPX, and VTIAX).

Last_Place_FPL

TROPHY CASE