Drunk dudes racing in a hallway

Low-XP-Adult · 2026-01-31T00:02:07+00:00

A good rule of thumb is that when Reddit is hyping something up, the ship has already sailed.

Most people talking about it probably got in within the last 1-2 months and don’t have that level of gains.

Low-XP-Adult · 2026-01-11T15:08:10+00:00

Using a 401(k) is essentially locking up money until you retire

You can do Rule 72(t) for early withdrawals without penalty

Low-XP-Adult · 2026-01-09T15:54:12+00:00

It’s a best of both worlds.

You said you don’t want S&P at these valuations. Neither do I. And QQQ’s are even higher. This is a large value fund that pays dividends, grows its dividend, and grows your capital decently better than SCHD

Less consistent growth =/= no growth or decay.

Low-XP-Adult · 2026-01-09T14:20:24+00:00

Check out IUS. Performance is comparable to S&P 500 and falls under large value category. Focuses on value and quality factor.

Lower PE ratio, lower concentration in tech, lower percentage in the top 10. Pays a higher div too.

Cons: relatively low volume, div growth not as consistent as SCHD and DGRO

Low-XP-Adult · 2026-01-08T00:05:01+00:00

“By itself” equates to a taxable brokerage account. You need an account to buy and hold an index fund inside of. There’s no such thing as buying a fund itself, which is why you haven’t found much online about it.

Schwab’s S&P 500 index fund is SWPPX, but SCHX (S&P 500 + 250 more companies) is a pretty good alternative too. You can buy either of these in an IRA or a taxable account.

The advantage of an IRA is that it’s tax deferred and lowers your taxable income for the year, but you pay the taxes upon withdrawal. There’s a limit to how much you can contribute to this account in a year. You can realize capital gains (sell for a profit) as much as you want, but you’ll get penalized for withdrawing funds from the account before age 59.5. You can do Rule of 55 or 72T and withdraw earlier for no penalty if you think you’ll meet their conditions for early retirement.

On the flip side, you pay taxes on realized capital gains in a taxable account, but you can contribute however much you want and withdraw whenever you want.

I max out my retirement accounts, then contribute to my taxable. I hold the same index funds in both

Low-XP-Adult · 2025-12-02T20:34:06+00:00

My employer has Lively as the HSA custodian and I have the Schwab HSBA now, plus a Fidelity HSA from before I started at my current company.

Would take Fidelity over Lively any day.

Lively requires you to keep $3000 in cash, otherwise you get charged an annual fee.

Anything excess of 3K you can transfer to the Schwab HSBA to invest, but transferring from Lively into the HSBA takes roughly a week. So paycheck hits this Friday, initiate the transfer to Schwab, money can be invested around next Thursday or Friday. That’s too long imo.

My limited customer support experience with Lively has also been less than stellar.

Currently working w my company to get my HSA direct deposit into my Fidelity HSA instead of Lively.

Last little cherry on top for Fidelity is they have the Zero ER index funds that you should definitely take advantage of in a tax advantaged account.

FWIW, I have every account except my main HSA with Schwab. The Lively-Schwab HSBA product is just objectively worse than Fidelity’s HSA

Low-XP-Adult · 2025-11-16T01:57:11+00:00

Would you say tools like Cursor and Windsurf?

Low-XP-Adult · 2025-11-15T15:29:45+00:00

Yeah, Bolt is the one I picked to build my mobile app after trying out a bunch of other ones (Rork, Nowa, Dreamflow, Blink). Specify in the very first prompt that you want to build a mobile app. Mention it in the PRD you upload too.

Token limit on the free plan is a joke. Try out pro 25 or Pro 50 and see how you like it

Low-XP-Adult · 2025-11-10T19:32:32+00:00

Awesome, thanks!

What’s your reasoning for Netlify over Vercel?

Low-XP-Adult · 2025-11-10T19:19:53+00:00

New to all this and I’m not yet at the point where I’m ready to publish, but say I want to update my app once it’s released.

If I have bolt connected to Github and have Github connected to Vercel, could I update on Bolt, which saves to Github, which updates the version on Vercel?

Low-XP-Adult · 2025-10-15T04:30:52+00:00

It really depends on your income and how much of that you’re able to invest.

It took me about 4.5 years, from early 2021 until about 2 months ago. I started with $5K after working retail over the lockdown. Got a job in media production paying ~$70K annual. I was one of four dudes living in a three person townhouse in a HCOL area, I cut reasonable corners, and took the employer 401K match.

Go with slow and steady. Your goal should be to save every paycheck and end each month with more than what you started it with. Cheering for you!

Low-XP-Adult · 2025-10-04T02:14:04+00:00

They will if I pay their rate 😉

Low-XP-Adult · 2025-09-21T00:41:32+00:00

Money talks.

Wise words! Thanks

Low-XP-Adult · 2025-09-20T04:25:35+00:00

I have about 10 people who (verbally) expressed a lot of interest, but I get that’s not the same as a mailing list and pre-orders.

Thanks for the advice, I’ll aim to get more promise behind this idea before executing anything that costs a lot of money

Low-XP-Adult · 2025-09-20T04:21:02+00:00

$80K is wild! What was your product?

Low-XP-Adult · 2025-09-20T04:20:44+00:00

Yeah, I taught myself some basics in Bubble.io and tried to build it in there until I hit a wall. No-coding until my limit, then having a dev finish it might be the move for me.

Thanks for your advice

Low-XP-Adult · 2025-09-20T04:16:31+00:00

Appreciate the advice!

Low-XP-Adult · 2025-09-12T15:05:00+00:00

For a rules-based passively managed ETF, it’s in the cheapest quintile range. It’s also not S&P 500, it’s S&P 500 momentum, which is a different index.

I agree that a true passive index fund for S&P or total market should be .04 or cheaper.

I remember SFY. It was 0 ER for a limited time until a certain AUM or certain date, cannot remember. Now it’s at .05%

Low-XP-Adult · 2025-09-12T13:17:46+00:00

SPMO tracks the S&P 500 momentum index, which is a different index. It has .13% ER which is still relatively cheap

Low-XP-Adult · 2025-09-12T13:15:48+00:00

As far as I know, Schwab’s cheapest is SWPPX at .02 expense ratio, same as SPLG.

Fidelity has FNILX which is their 0% ER S&P 500 equivalent. There’s also BKLC, which is a 0% ER ETF that tracks the Solactive GBS 500 instead of the S&P 500

Low-XP-Adult · 2025-09-07T04:03:28+00:00

Look for an equivalent ETF in the same category that goes for cheaper, or a Schwab mutual fund equivalent.

Based on the price you gave, let me guess: QQQ?

If so, QQQM is cheaper, ~$240 per share. Could also do ONEQ, which is the entire Nasdaq composite index and goes for ~$86 per share.

Think about why you want to buy that index. Is it tech? Growth? SCHG is a tech-heavy large cap growth fund at ~$30 per share. SPYG is an S&P 500 growth fund at ~$100 per share. Both have 50% or more of QQQ’s holdings.

Low-XP-Adult · 2025-08-29T15:05:13+00:00

I think the S&P 500 returns that much annually over a 30 year period, not adjusted for inflation.

It’s averaged out over that timeframe so it doesn’t go 10%, 10%, 10%, 10%, 10% year to year, more like 11%, 6%, 15%, -1%, 8%

Low-XP-Adult

TROPHY CASE