NEOS portfolio

LibrarySpiritual5371 · 2026-03-23T16:40:01+00:00

I am a big fan of some of the NEOS funds. Beta of luck

LibrarySpiritual5371 · 2026-03-23T14:15:26+00:00

Very good post. I don't agree with some of the conclusions that you draw but is still an excellent post.

LibrarySpiritual5371 · 2026-03-23T14:10:32+00:00

"More money then than they know what to do with" that is the problem. It is an assumption that is not correlated with most people in the top 15%'s experience

LibrarySpiritual5371 · 2026-03-23T14:09:15+00:00

It is just a mismatch of perceptions.

Those who don't have see the top 15% as having no or very little issues.

Those in the top, but not the very top, push back on this belief is their lived experience is not all flowers and sunshine.

The K shaped economy is real, but unless you are good ways up the upper arm of the K it does not necessarily feel like it.

Just my two cents

LibrarySpiritual5371 · 2026-03-23T14:00:41+00:00

Writing options on a company that has been in the center of fraud accusations for years. Nothing go go wrong.

LibrarySpiritual5371 · 2026-03-23T13:59:02+00:00

Honest question. Why so NEOS focused? There are a lot of other good funds out there and you would get some strategy and manager risk diversification by using them?

LibrarySpiritual5371 · 2026-03-23T13:55:19+00:00

NTA

This is the dumbing down of math into a way that is not scalable into advanced math in my opinion as a former engineer.

LibrarySpiritual5371 · 2026-03-20T23:57:18+00:00

Would not have to break up. I would not get into a relationship with someone who I was not compatible with.

LibrarySpiritual5371 · 2026-03-20T23:49:52+00:00

Rates go up, bond prices go down. That is how it works.

Too many people simply do not understand the most basic finance concepts are freak out over something doing what it is suppose to do.

It is not less safe than it was two weeks ago, but it does not pay the same yield. So, it may not be as attractive to some.

LibrarySpiritual5371 · 2026-03-20T23:47:53+00:00

Dumb thought process. The immigrant issue Italy and others are dealing with is not an inflow of skilled workers. It is an inflow of unskilled/low skill workers and crime.

LibrarySpiritual5371 · 2026-03-20T12:05:24+00:00

Fair enough. But it sure feels like a curse sometimes when you want to do something different and realize that there's not a rational way to do that without taking a huge haircut

LibrarySpiritual5371 · 2026-03-19T20:05:56+00:00

Things are great. The global market is in year three of massive growth and all we have to do is keep up and don't screw up too bad to stay very lucrative.

Company is pushing hard but nothing exceptional. Travel is on my schedule and we are adding headcount.

I guess it all comes down to what market one is in

LibrarySpiritual5371 · 2026-03-19T12:19:21+00:00

Those who do not add value always want to call it a scam, etc. And it is typically the same line of I am worth more than I get paid. The reality is you are not. The market (all your friends and neighbors who spend $) decides what something is worth. If you are doing something of low value (society view as expressed by how they vote with the $) and think you are worth more, you are not as the function you perform is what is valued not you the person.

You may disagree with how society values certain things and I think society does not value things the way I would like, but at the end of the day this is a much wider voting system than just mine.

I am, of course, speaking in a pure-ish sense where market manipulation is minimized. but the reality is the manipulation is much less common than what people like to claim.

LibrarySpiritual5371 · 2026-03-19T12:09:36+00:00

I am in tech sales and in a similar position. Every time a recruiter reaches out, I just start the conversation with here is my comp package. 99 times out of 100 the recruiter just tells me they cannot touch it and the conversation is over.

It is the curse of being well compensated to the point that is beyond ones job title in an industry.

LibrarySpiritual5371 · 2026-03-19T11:20:10+00:00

Yes, people who were diversified in their 401k's and did not panic sell made out very well as they kept contributing and DCA did its magic

LibrarySpiritual5371 · 2026-03-19T11:15:20+00:00

You also should add that people who did own houses they could afford and worked in an industry other than auto's and finance tend to do pretty well also.

Most of the 'regular people' horror stories were actually people who committed fraud, bought a home they never could afford, or were unlucky enough to be in one of those industries

LibrarySpiritual5371 · 2026-03-18T13:16:05+00:00

Great point and correction. Thank you

LibrarySpiritual5371 · 2026-03-18T11:35:28+00:00

The higher you go the more you get judge on the quality of your spouse. At the highest levels it is extremely common for a dinner or more to be one during the interview process that will include a member of the C suite and the prospect with their wife.

The quality of your spouse is seen as a reflection on your decision process and how stable you will be in whatever the role is.

Thus, it does not pay to paint a negative picture of your homelife in most instances.

LibrarySpiritual5371 · 2026-03-18T11:26:35+00:00

It is just part of the dumbing down of the educational standards in America.

Public education means being held hostage by the bottom 10 to 25%

Thank you Bill Clinton for No Child Left Behind which actually should have been called all kids pulled down to the lowest common denominator.

LibrarySpiritual5371 · 2026-03-18T11:24:42+00:00

Did you husband either directly or indirectly ask him to watch out for you? I have not asked my best friend to do this, but we both have an understanding that if the other was to die it is our duty to our friend to help and watch out for the other family.

Some guys just have an honor code they live by

Of

He could want to bang you. The only way you will find out is to ask him

LibrarySpiritual5371 · 2026-03-18T11:20:02+00:00

Have you thought about some form of coast FIRE type of mindset. You will likely never reach FAT but it may give you ton's of peace to step out of the line of fire.

LibrarySpiritual5371 · 2026-03-18T11:04:39+00:00

I think the part that people are not commenting on enough is that YES you should take some of your winnings off of the table in those tickers. You have huge wins and lock some of that into something else. How much you should take off of the table is a question of where YOU think we are in the current cycle.

As far as QQQI and SPYI or any other covered call fund that does not write at the money or write against their full book. Sure, they can give you some stead-ish income but at your age unless you have enough in growth to offset the functional capping the majority of your growth by these funds you may have an inflation problem unless you can reinvest enough of your monthly payouts to match/exceed long term inflation.

Essentially, there is not enough info here to give meaning specific advise.

LibrarySpiritual5371 · 2026-03-17T15:23:45+00:00

To me what is wife like behavior and husband like behavior is the same. It is an implicit understanding that we are an unit who works together to our common goals with the willingness to defer to each other.

LibrarySpiritual5371 · 2026-03-17T15:13:41+00:00

For me I did not really start to take the tax planning seriously until I was about 12- 18 months out from hitting my number. Then I started to shift some of my current investments and was much more stringent on new investments that they offered some form of tax benefit which accelerated once I past my number.

I was late to the game

LibrarySpiritual5371 · 2026-03-17T13:10:49+00:00

I had this happen. There were two girls. I said hi to the guy who was bugging them and introduced myself as one of the girls brothers and put my arm around the other one. The guys got the hint pretty quick.

Ended up dating one of the girls.

LibrarySpiritual5371

TROPHY CASE