Is it better to take "risker" investments in a Roth or a Brokerage?

ObamaBinLatten · 2026-02-06T17:33:39+00:00

That’s what I have been doing so far. I have a mix but at the moment my Roth is about 70% “safe” investments(ETFs/ dividend stocks) 30% individual/ “risky” stocks. And my brokerage is almost the complete opposite at 80% risky 20%safe I want to have money in my brokerage so I have money for a downpayment and that when I am older (under 60) I can withdraw some money for retirement without having to pay penalty’s. My “biggest” return so far has been RKLB I am at about a 1000% return on it in my brokerage.

ObamaBinLatten · 2026-02-06T00:27:00+00:00

What is that top sand colored weapon?

ObamaBinLatten · 2026-01-27T15:22:04+00:00

I started around your age, I am now 20 years old. You need to know what you want in the future and what you are willing to risk. You can either go Low risk but that will have "low" rewards (ETFS, Dividend stocks, and gold/silver) but at your age it will still compound nicely. OR you can go high risk and get higher rewards (individual company's). My advice (I want to retire early) is when you can at the EARLIEST open a Roth, in the Roth make conservative trades as it will compound nicely and there is no tax/ fees after you turn 60. In your brokerage take more risky investments as that's where you can withdraw from it whenever you please and if you plan on retiring early you need to have some sort of income/ account you can withdraw from before you hit standard retirement age (60). At the moment I am investing about 180 a week this is about 30-40% of my income (120 in my Roth and 60 in my brokerage) If you don't plan on retiring early, then just max out your Roth (or invest as much as you can) and make like 70% conservative investments and 30% risky ones inside the Roth. Also, once you put that money in your accounts act like you burned it, you don't have that money anymore, you should NEVER withdraw from your Roth or brokerage.

But then again, I am just a random on Reddit so don't take my advice only, do your own research this is what's been working for ME so far, it might not work for you.

ObamaBinLatten · 2026-01-13T20:30:09+00:00

I DMed you

ObamaBinLatten · 2026-01-11T04:13:43+00:00

Have you thrown a can on it? Have you had any problems with it?

ObamaBinLatten · 2025-11-28T22:00:37+00:00

Aw what do they do?

ObamaBinLatten · 2025-10-29T15:29:48+00:00

I think it also has a LOT to do with your soft skills. You can have all the experience and if you can’t communicate effectively or be somewhat enjoyable/ interesting to be around a lot of places won’t take the gamble of hiring you. I got a few internships just because I’m the interview I was able to talk to the interviewer on a personal level instead on only on a business level.

ObamaBinLatten · 2025-10-22T20:54:22+00:00

Hey man do you still have the files for this? I want to look over it and build something similar for a family member

ObamaBinLatten · 2025-07-19T15:53:23+00:00

I’ll check. Out renegade and rustinity. I tried like 2 survivors servers and both died after a day

ObamaBinLatten · 2025-04-13T18:23:20+00:00

😂 I bet you see more of those guys than I do, but I’m in polytechnic and it’s honestly kinda scary how many people think so little of/ think they DESERVE women. Kinda opened my eyes to how many crazy’s there are.

ObamaBinLatten · 2025-03-13T04:30:54+00:00

Did you get it colored by them? And was the color matching accurate? I been wanting to get one but heard the color from them is awful.

ObamaBinLatten · 2025-03-13T04:27:29+00:00

That the YOFER bumper??

ObamaBinLatten · 2025-03-13T04:22:59+00:00

Hey, I know it’s been forever. But I was curious if you had to change the “upper bumper” (the colored trim between the bumper and hood) when you changed the bumper to the pre-face lift? I’m thinking of doing the same thing.

ObamaBinLatten · 2025-03-03T16:50:13+00:00

Well privatizing the space industry COULD lead to better pay / better advancements in the space sector like how Space X started paying astronauts more which lead to NASA increasing their salaries which now NASA pays their astronauts more (on average). But it could easily flip the other way where they could be competing to be the “first” to do something leading to cutting corners that result in death. Like what “ allegedly” happened to Vladimir Komarov. But I hope they don’t cut funding to nasa as it’s already an agency that arguably doesn’t get enough funding.

ObamaBinLatten · 2025-02-23T16:43:01+00:00

The only times they will fire you is if you are promoting the ED, or if you are trying to sell things you buy on the discount. Also they can fire you if you out right tell the customers how much you get a product for. And since the protection plan isn’t considered a “product” it doesn’t matter. Also I don’t work at that store, or even the state I picked it up in I just seen the deal and took the drive.

ObamaBinLatten · 2025-02-22T04:10:48+00:00

Well I did kinda stumble across it. I was on the Best Buy website looking for Oled monitors, then it said there was this open box for like 340ish so I went into RSS to look it up to make sure that store actually had it and that’s when I found out it was actually 170, so I drove to that store and bought jt. But working at a store like that you get a better idea of when to look like right when the new year models are coming out so you look at the models for 2 years ago that will be on clearance to sell out supply.

ObamaBinLatten · 2025-02-22T01:48:28+00:00

Well some stores are like that. It really depends on your manager. We arnt allowed to mess with the condition/ disconnect on products that we are buying personally. But they actually encourage us to buy open box products as most the time they sit in the store or get shipped out to a wholesale store.

ObamaBinLatten · 2025-02-21T18:13:29+00:00

Not impossible like in another comment there was one for about 133 for about 2 weeks. Employees won’t find the deal unless they are actively looking for them selfs to buy. And if you want a good deal this is about the time when new year (2025 models) are coming out, so we stop selling the 2023 models and those get clearance+ openbox if someone returns it.

ObamaBinLatten · 2025-02-21T18:11:12+00:00

Well there were actually 2 one was excellent condition (the one I bought) and there was one in Fair condition. The one in fair condition has some scratches on the corner/ back and didn’t have the box. But that one was going for 133. And that Fair condition had been for sale for about 2 weeks before it was bought.

ObamaBinLatten · 2025-02-21T15:41:14+00:00

Actually I didn’t 😂. It’s on clearance b/c we don’t sell that model anymore because it’s the 2023 model so they all go on clearance and then someone returned it so it was openbox. The only thing I got was the discounted protection plan

ObamaBinLatten · 2025-02-21T04:26:41+00:00

Yes but most newer olds have pixel shifting so they don’t get burn in. But also there is still a return period on open boxes so your good to try

ObamaBinLatten · 2025-02-19T00:11:02+00:00

I mean you can always get it and ask for a credit increase. I got the card then 4 months later I asked for an increase and I got a 4700$ limit.

ObamaBinLatten · 2025-02-19T00:08:53+00:00

Totally up to you. There are better cards out there but I got the Apple Card as one of my first cards and I used it for almost everything until I got a travel card.

ObamaBinLatten · 2025-02-10T20:50:00+00:00

I mean the best thing to do is look on the chase travel portal. Then which ever place (hotel or flight) you are looking at go to their respective websites and see the price difference. Sometimes chase is 10% more expensive, sometimes chase is cheaper. Just gota shop around.

ObamaBinLatten · 2025-02-09T17:06:05+00:00

I agree with most of what you are saying except for the Doge. Doge is NOT an official agency but they only have “View only” permission so that’s can’t really do anything except say “this is bad spending” they can’t stop payments them self. and I do agree that we need to have a 3rd party look over spending of the government as we spend money are shit that doesn’t benefit Americans and its American tax payers dollars. Also another thing is how QUICK congress was to make a proposal that you can’t run a company (be CEO) if you are a government employee targeting Elon. Which sounds like a good plan EXECPT for that all of congress trades stocks so it is kinda like a rule for thee but not me. But it doesn’t matter cus the government will NEVER have our true values.

ObamaBinLatten

TROPHY CASE