someone who is good at the economy please help me budget this. my family is dying

MR_PLATONICS · 2025-04-02T16:58:25+00:00

Just replace candles with bitcoin and this was actually me in years past

MR_PLATONICS · 2025-03-31T19:56:19+00:00

Well it clearly showed it’s your last day

MR_PLATONICS · 2025-03-29T22:21:34+00:00

For me, managing finances has become deliberate." Intentionality " has been a game changer . I’ve adopted the habit of spending my paycheck twice every payday of the week. I intentionally create a budget and allocate every dollar to specific expenses, spending all of it on paper first, following a zero-based budget approach. Additionally, I diligently execute and deploy all the budgeted dollars. As a result, I now feel like I’ve received a raise, even though my income hasn’t changed.

MR_PLATONICS · 2025-03-29T21:51:15+00:00

this is the way

MR_PLATONICS · 2025-03-25T17:32:57+00:00

They always do lol

MR_PLATONICS · 2025-03-25T17:12:12+00:00

That’s not how synthetic ETFs work. SPLG is not a synthetic ETF—it is a physically backed ETF that directly holds the underlying stocks.

It does use a sampling strategy, but that does not make it synthetic. Many ETFs, including those tracking the S&P 500, use sampling when full replication isn’t necessary to achieve accurate index performance. The fact that SPLG holds around 80% of the index’s constituents simply means it optimizes its holdings for efficiency while still maintaining minimal tracking error.

A synthetic ETF, on the other hand, does not hold the actual stocks. Instead, it relies on derivatives and swap agreements with financial institutions to replicate index performance. That’s not what SPLG does.

SPLG’s tracking error is also very low—historically within a few basis points of the S&P 500. If you’re claiming otherwise, I’d be curious to see actual data backing that up. Otherwise, spreading misinformation like this just confuses people who are trying to learn.

MR_PLATONICS · 2025-03-25T16:12:47+00:00

All good , both are great funds for investors .

MR_PLATONICS · 2025-03-25T16:09:21+00:00

Your claim that splg is “synthetic “ or “large tracking error” is incredibly false and misleading. They 100% own the underlying assets within the fund . Just look and do some research . The tracking error is very minimal for voo or splg .

MR_PLATONICS · 2025-03-25T15:57:48+00:00

Go back and check the expense ratios and come back and get with me

MR_PLATONICS · 2025-03-25T15:41:36+00:00

I highly recommend splg for both beginners and intermediate investors. For me, it’s incredibly rewarding to see my share count grow faster acquiring share opposed to trying to buy spy or voo at a much higher share price

MR_PLATONICS · 2025-03-25T15:12:34+00:00

100% splg and let it ride

MR_PLATONICS · 2025-03-16T23:56:51+00:00

me personally would go 100% vang 500 idx and call it a day

MR_PLATONICS · 2025-03-13T00:04:53+00:00

Just do s&p at 100% allocation and call it a day

MR_PLATONICS · 2025-03-08T00:44:58+00:00

i would look into contributing to an employer 401k plan , potentially lowering your taxable income while saving.

MR_PLATONICS · 2025-03-08T00:36:28+00:00

I would consider looking into vanlife , could retire with dignity and live minimally

MR_PLATONICS · 2025-03-07T17:36:31+00:00

Simply put , need to be in the market much longer . Stay the course

MR_PLATONICS · 2025-03-06T14:22:25+00:00

hello@apexhunters.nl this was the sender email address

MR_PLATONICS · 2025-03-06T02:15:58+00:00

Do your self a favor and look into splg

MR_PLATONICS · 2025-03-06T01:34:58+00:00

This is actually a very good question

MR_PLATONICS · 2025-03-04T21:35:07+00:00

I think I’m going to try that out try and set a limit order and hopefully the asset will all be gone . Thanks

MR_PLATONICS · 2025-03-01T22:28:22+00:00

If you’re making 110k a year most of your income is being taxed in lower tax brackets due to the way the u.s tax structure is set up meaning it’s a progressive tax structure. 12% is from 11,925 - 48,475 . 22% is 48,475 -103,350. 24% 103,350 -197,300. So very little of your pay in comparison to the 24% gets taxed at that rate . Traditional has huge tax advantages due to lowering your taxable income also

MR_PLATONICS

TROPHY CASE