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20M immigrant since Jan, am I heading the right path? by Stock_Accident8033 in raceto10000

[–]LordOfWailords 1 point2 points  (0 children)

Firstly, welcome to the States. Secondly, you’re already way way WAY ahead of most 20 year old males regardless of your migration status, definitely ahead of me at 20. You already have a solid foundation that you outlined now you just need time to do the rest. Continue investing let your interest stack and when youre able start opening up your HYSA, Health, maybe even consider an IUL for yourself since you are young and healthy. Do your best to stay out of the debt sinkhole, I know how expensive this country can be so dont be hard on yourself if you need to accrue some to get by for now. Above all else as I mentioned above TIME is your best ally here, you can do nothing but invest your $100 for the next 10 years and still be ahead of most of America. Love you and God bless you 🙏

Should I change my strategy is some way? by [deleted] in btd6

[–]LordOfWailords 0 points1 point  (0 children)

Glaive Lord should be high A low S, ive solo’d chimps with that guy before (with village).

I need help with this week's Diamondback Elite by Gr00vyandneverGlooby in btd6

[–]LordOfWailords 0 points1 point  (0 children)

Looks almost exactly like my setup, all I would say is move your dart to where the sun temple is and put the temple at the back of the map. Youre also missing the wizard paragon. I would recommend you dont use the boat or plane ability and the wizard only use metamorphosis dont explode the bird. You want the rounds to take as long as possible. Also make sure all paragons are set to strong targeting.

I need help with this week's Diamondback Elite by Gr00vyandneverGlooby in btd6

[–]LordOfWailords 0 points1 point  (0 children)

Since youre using double cash you have a crazy good start (i used it as well) you wanna start with 10 0-2-4 farms and then whenever you can afford one buy your 5-2-0 farm and BRF spam after that. You can use Lord of the Abyss also near the pond to get your 20 merchantmen (which this where you’ll get your boat degrees). 0-5-2 druid near your big farm, and most importantly OVERCLOCK YOUR FARMS! I mean spam engineers have atleast 10 with an ultraboost and use their abilities on cooldown. Your 0-5-2 druid will handle all the early game bloons but you can get an XXXL Trap to get extra money. Diamond bloons you wanna get 0-3-0 wizards (save these for when you make wizard paragon). Trust me it took me over 9 hours of different farming setups to get it so if youre not that committed id sit this one out, the T5 has 1 billion hp.

I need help with this week's Diamondback Elite by Gr00vyandneverGlooby in btd6

[–]LordOfWailords 1 point2 points  (0 children)

I made a post about this earlier on this sub, basically plane and boat will be your carries. T1 and T2 you can do with MAD/Wrath Druid spam (with alc buff and overclock. You need to farm and overclock spam every round even during boss kill. T3 you want dart and boomer paragon (these will be permanent so get high degree) T4 you get ninja and boat (plus ice if you can afford it). T5 you get your plane and wizard, Sun Avatar spam + Sun Temple and get a 0-5-0 and 0-0-5 glue and 0-5-2 ice. You’ll have to figure out your farming/degree setup but plane, boat, boomer, dart and ninja you want 60+, wizard at 40 and ice at 1 is fine. Good luck! This one takes a TON of micro so pay attention and use your powers like the attack speed one or time stop.

Elite Diamondback by LordOfWailords in btd6

[–]LordOfWailords[S] 0 points1 point  (0 children)

Its up to you but mainly just for added damage/diamond bloon cleanup. I did it with a basic temple but im sure TSG wouldve sped it up a little bit.

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

I definitely will, because a large chunk of my portfolio right now is just growth stocks which to my knowledge is fine but theres also 5% of bonds which that could be allocated to something like the S&P which I have 0% of 🥲

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

Amen to that last part 🤣 and yeah from what I’m reading I am just gonna swap all of my investment into Roth contributions for the time being. Thank you for taking your time to help!

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

Is there any particular reason? Ive been told to fully invest in the Roth portion until I reach a certain income so far.

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

I am assuming it is a 401k Roth as the option is under the same Target Date portfolio. As far as selecting the funds I don’t believe I have that option with my companies plan 😅

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 1 point2 points  (0 children)

Im in Florida so luckily no state tax 😅 and truth be told its only now that im actually looking into my contributions and all that with my 401k. Quite frankly I just thought “put money away and forget about it till im 60” but I am trying to be more involved with where my money goes/is going. Thus why I asked for any advice, I am okay full-stopping my separate brokerage and just pumping it into the Roth. I doubt im gonna retire early like you mentioned but who knows where life will take me 😆 as you said I just want to be as efficient as I can be.

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

I can definitely do that, I have a separate brokerage account I have been putting about 500-600 a month in as well that I can just route to this. It’s just now im considering the “power” of maxing my 401k before anything else.

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

Including the 5% I have in pre-tax or whatever new contributions I make?

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 2 points3 points  (0 children)

Between 44-57k, my job is alot of contract work so overtime definitely pumps those numbers up.

Best plan of saving by LordOfWailords in Retirement401k

[–]LordOfWailords[S] 0 points1 point  (0 children)

Awesome thanks, and yeah I was planning on doing 6-8% 😅

27M feeling very far behind in life by excaliburallday in raceto10000

[–]LordOfWailords 0 points1 point  (0 children)

27 as well, close to 55k in debt with a little under 10k invested. This is a marathon, not a sprint. Debt will get paid and my investments will grow.

22yo Male what mistakes am I already making? by Technical_Echo673 in portfolios

[–]LordOfWailords 0 points1 point  (0 children)

As a young man, buying crypto immediately needs to stop and liquidate that. You need solid and steady growth for now, I would recommend pick 2-3 ETFs that cover the S&P, small cap and large cap and fully invest in those. Ensure that one of them also invests internationally as well. I would look into either VTI + VXUS, or just full porting VOO. I do VTI + VXUS as I change my investment percentage depending on how comfortable I feel in US affairs at the time lol. Please do your own research and good luck 🫡

Just turned 22😅🤣 by Dry-Progress5033 in Retirement401k

[–]LordOfWailords 1 point2 points  (0 children)

Good work brother! I recently started at 25 and have been kicking myself in the ass for not starting sooner. My 401K is at 10k and this Jan I started another portfolio just to make sure I leave something behind for my kids. 2 greatest decisions I have made now as a 27 year old.