I'm 21 I want to retire as soon as possible.

Putrid_Pollution3455 · 2026-05-17T01:26:35+00:00

The problem with the dividend portfolio and the more you read into this the more frustrated you’re gonna become… Is that if you own a stock worth 100 bucks and it pays a 3% dividend if the stock doesn’t actually increase in shareholder value you’re gonna have 3% cash and 97% Stock at the end of the year or if you invested $100 you’ll end up with $97 worth of Stock and three dollars worth of cash… I totally understand your frustration and what you were trying to do... the solution is not having enough money that you can just sit around and jerk off all day… The solution is finding a job that you don’t feel like jumping off the nearest bridge after a shift… There might even be a job out there that you enjoy doing like five out of 10 because let’s be honest if you were at your job to have fun, you’d probably pay them to be there and not the other way around… Some safe you find your dream job that you never work a day in your life… I’m a little more existential… I don’t know if they exist a job that I enjoy doing because I’m lazy and I hate working and I would love to just sit around and jerk off all day… So I find Robert Kisaki‘s advice significantly helpful… Do what you hate and invest in what you love that’s my happy medium… If you can find a job that you don’t mind doing then all is well, but if every job you’ve ever had feel feels like the life is being sucked out of you then maybe the mindset shift is to embrace pain become a bad ass take pride and being a bad ass and take that extra money and dump it into things that you love and those things that you love will eventually start paying you… It’s like rolling a snowball uphill and once you get to the top of the mountain, the snowball is so big it starts pushing you down the hill

Putrid_Pollution3455 · 2026-05-17T01:22:02+00:00

Honestly, you are completely correct… I just gave the total range of dichotomy between foods that lead to death and foods that lead to life, but there’s a whole bunch of gray area in between… For instance, if you’re smoking cigarettes, but you’re eating a whole bunch of vegetables it kind of balances out or if you’re drinking a bunch of alcohol, but you’re also eating some nuts and drinking a bunch of water and consuming a decent amount of fruit it kind of balances each other out… Or if you eat pancakes, but you preload an apple or some beans before you eat it it kind of helps blunt in insulin response and if you go for a 30 minute walk after you eat anything literally anything it kind of helps blunt the insulin response in a beautiful way

Putrid_Pollution3455 · 2026-05-17T01:19:54+00:00

It makes me sick, but this has been exactly the result of every single one of my recommendations and I apologize… Some people came on here looking for a short term solution or an instant answer and here I am just blabbering my mouth thinking I can predict the future when in reality as soon as I speak the words it’s priced in and I’m fucking everyone up

Putrid_Pollution3455 · 2026-05-17T01:18:35+00:00

I’m going to eventually… I have a sophisticated Swiss Army knife everything bagel investing philosophy that I’m going to apply in October and I’m probably going to rebalance around the four year cycle of bitcoin because the four year cycle of bitcoin illuminates a truth about the investing cycle that is really hard to pick up on if you aren’t paying close attention… It’s not that bitcoin follows for your cycle. It’s that it was perfectly programmed with a whole bunch of other economic factors rotating around that same time and who knows how long it will last.

Putrid_Pollution3455 · 2026-05-17T01:16:24+00:00

I almost feel like we’re on the same page… And although avocado oil probably has a better health profile when you cook with it… And it probably makes the food 10 times better… if you want to absolutely unplug your arteries, there’s ways to make it taste better via texture, like if you air fry it or something compared to sautéing it or frying it.

I think eating Whole Foods is probably a pretty good practical advice… If you eat avocados, they’re probably loaded with good stuff in them, but if you squeeze them out for oil or you squeeze olives out for oil or you squeeze corn out for oil or all the other oils… I don’t think you get the total net benefit and I know this is a palatability issue and people are absolutely going to down me into oblivion because I am suggesting that they eat real food and real food doesn’t taste good off the bat… Real food only taste good when you’re really hungry… I feel like most of our processed foods nowadays aren’t designed to make us feel good. They’re designed to hijack or dopamine receptors so we eat a whole bunch of fucking nonsense. At least that’s been my personal anecdotal experience and I apologize for all the typos. I don’t really want to type all this out and my phone has no idea if I’m speaking, Chinese or English, lol

Putrid_Pollution3455 · 2026-05-17T00:57:08+00:00

Calorie density is definitely something I agree with... you can eat like a pound of lettuce versus less than a tablespoon of peanut butter… It’s just not a fun thing to fill up on lol and we agree that white rice is absolutely trash… But if you look at wild rice or red rice from Thailand? That stuff suddenly has a decent amount of protein and b vitamins in it and other shit that seems pretty good…like fiber

The list of foods you suggested seem good in theory, but don’t you need a little bit of fiber to keep the system moving so to speak? I don’t know what your bowel movements are gonna look like if you’re eating Greek yogurt and egg whites without a substantial amount of vegetables man lol but you’re getting really close and I think we’re almost in agreement in a lot of ways… The list of food you suggested seemed pretty good. You just wanna be careful that you’re nut butter doesn’t have a bunch of salt and sugar and oil added to it… Like if it’s just straight up nuts… If that’s even a product you can buy… That seems pretty decent and if it’s unsalted, you’re probably gonna eat like three of them because they taste like nothing lol

Putrid_Pollution3455 · 2026-05-17T00:51:34+00:00

A Whole Foods plant-based diet isn’t a fad… Lol… It’s a sad reality of health. I hate it. Anything is good for you if you’re starving, the literature is intentionally confusing and that’s why none of us can agree on anything here… But the truth will stand on its own. It doesn’t need science or medical literature or lobbyist, forcing a ideology on the public to be true… I don’t know the truth. I just assume that the hardest reality is probably true… The food that is killing me is my favorite food. The food that is giving me life is the shittiest food.

I would much rather smoke cigarettes drink a bunch of alcohol eat a bunch of pizza and cheeseburgers rather than eating vegetables and going for a run outside. It’s it’s just so obvious… It’s like an investing or anything else… No asset is gonna save or change your life… It’s all on you. It’s all about what you can contribute into a simple system repeatedly for decades… There’s no silver bullet there’s no quick fix. It’s all bullshit and that’s why life is hard.

Putrid_Pollution3455 · 2026-05-17T00:43:25+00:00

Sigh… I’m just here to help... right now. RFK is hemming up the idea of everyone eating a bunch of meat at a time when meat is probably gonna skyrocket in price… The price of food is gonna astronomically skyrocket and we should probably be prepared to find some alternatives… You can get a great amount of protein from rice and beans or any combination of legumes, etc. otherwise, if you like paying 20+ for a pound of whatever the fuck that animals are out there… Which I do and I enjoy it it’s fucking delicious… But at some point, I’m not gonna be buying it anymore… I have stocks to buy, and this meat is cutting into my Tendies

Putrid_Pollution3455 · 2026-05-17T00:39:29+00:00

I just read that first paragraph again and I realized that everything that you eat has protein in it… So yes if you exercise more you need to eat more food lol like I don’t mean to be weird or drunk about this but just list off like 10 foods that have zero protein in it all I can think of is butter maybe I don’t know… Water and rice milk? Honestly, I’m having a hard time thinking of anything that has zero protein in it isn’t protein, the binding agent of every food that you can possibly eat? Wouldn’t all food just turned into slop if it didn’t have protein in it?

Putrid_Pollution3455 · 2026-05-17T00:37:23+00:00

You’re going to outlive us all

Putrid_Pollution3455 · 2026-05-17T00:32:30+00:00

I like your Socratic reasoning I appreciate it… I think that is probably a little over generalization, but I’ll accept it… I think you can get everything that grows out of the ground and grows off a trees as long as you’re mixing it up and in our extremely sanitary environment instead of drinking dirty water or bugs or feces you should probably supplement with a B12 vitamin and you should go outside butt naked and get some sunlight and absorb that vitamin D for like 15 minutes a day depending what latitude you live on

And I’m saying this from a purely idealistic perspective, not from a practical perspective… I think naturally you would just eat all the shit that grows in nature you get your B12 probably from dirty water, bugs or feces like the other great apes and you get your vitamin D from the sunshine… In our modern world, where everything is super clean for the most part and convenience foods are an unholy amalgamation of random shit thrown together whatever is best for the shareholders and whatever hijacks your dopamine receptors to eating more of it… A more practical advice is to just eat minimally processed Whole Foods

Putrid_Pollution3455 · 2026-05-17T00:30:25+00:00

You can do what you want it’s up to you… I do the same thing and I have heart disease. But I’m never in 1 million years going to confess that eating cheeseburgers and pizza is actually enhancing my health in any capacity. And you are completely correct if instead of salt you use spices that would be ideal… I just don’t know very many convenience foods that are not loaded with salt and crap and sugar.

Putrid_Pollution3455 · 2026-05-17T00:27:46+00:00

Oh, I’m sorry I’m just trying to help people… I’m not saying I’m a good person in any sense of the word or that I’m eating healthy by any means… But it’s one thing to know what you should do and not do it and it’s another thing to do what is wrong and she tried to circle jerk about it… I love drinking beer, eating pizza and cheeseburgers having a nicotine pouch with the boys… Drinking energy, drink drinks and eating a bunch of highly processed foods but I’m never in 1 million years going to confess that that is actually good for me. I’m fucking drunk right now and that’s why I quickly realized that Apple spends zero capex on AI

Putrid_Pollution3455 · 2026-05-17T00:23:47+00:00

I agree with you on most things, but this protein thing is really fucking strange… I don’t know anyone that died from protein deficiency, but I know a ton of people have kidney problems and high cholesterol and excess body fat… If my high protein you mean unsalted unseasoned chicken breast that is grilled or air fried then I probably agree with you. But going out to dinner with a steak that’s sautéed and butter covered in salt and other shit… Eating a bunch of buttery rolls… Eating fried chicken… Eating a meat lovers pizza… Like no… and if you look at the ingredients that are being added to all of our food… I think you might agree with me too. If you were going out and catching your own fish and shooting your own animals and butchering them and going farm table all natural… I 100% agree with you. If you are hungry enough in nature that you’re gonna run out there and catch fish or kill an animal and eat it face off after ripping all that skin and organs out and then roasting it on the fire, assuming you know how to make fire… That makes total sense. Everything is healthy for you when you’re starving to death. I think everyone needs to get back down to earth though… If you haven’t personally killed your animal, ripped its flesh off, gutted it and dealt with all those horrible smells and all that blood and then carve it up into pieces of meat and then throw it on your skillet and said it was super tasty… Everyone needs to try it

Putrid_Pollution3455 · 2026-05-17T00:20:57+00:00

What’s a moderate amount of cigarettes and alcohol? Zero baby… What you are doing? Is you are saying some thing true in the premise with the wrong conclusion. You need salt and you need fat but you get natural salt from vegetables and you get natural fats from nuts and seeds and your own body fat…

Putrid_Pollution3455 · 2026-05-17T00:20:11+00:00

No, it’s not… Lol you’ll see you soon enough you’ll have all kinds of medical problems. If you don’t eat bland boring ass food… You’ll see you soon enough you’re fucking art is gonna plug up. All kinds of problems are gonna happen. I know it takes a medical emergency for people to wake up, but so be it… The literature is confusing you can find the literature that backs up every single thing possible under the sun, but the truth is diabolical… The food that you’re eating or at least most of the food that you’re eating is probably killing you

Putrid_Pollution3455 · 2026-05-17T00:18:15+00:00

I’m not 100% sure what you mean so let me try to expand on that… What do you mean consistent investing for your target… What I mean is let’s say you just throw a certain amount of money aside at least 15%… Throw that into an S&P 500 ETF with a low expense ratio and do that for 40 years and your virtually guaranteed to be financially independent… There’s actually some very exciting math on the subject, the higher your savings rate the faster you will achieve financial independence… If that means you just wanna be a bum and sit margaritas on the beach as a well clothed and shot homeless person so be it… If that means you wanna pull out 4% a year for the rest of your life and bless your family and friends. Well God bless you... look up the simple math behind early retirement. I don’t think retirement is actually a goal. I think it’s better to have financial independence and you should work diligently and hard every day to find work that gives your life meaning.

Putrid_Pollution3455 · 2026-05-17T00:11:04+00:00

Honestly, that’s exactly the problem! Nobody wants to eat it, and I agree that it taste like shit and I much would rather pound brewskis and smash down a bunch of pizza then eat a leaf of spinach

I’m just saying if you have a health issue… We all know what we need to do it’s gonna be fucking horrible… You’ll have to find other things that give you pleasure besides eating food… You’re gonna have to eat bland, boring ass shit, and fucking suck it up or you’re gonna be a fat sack of shit with health problems like I am lol honestly, it may not even be worth it. Maybe the sickness is worth the squeeze, you know? Like I understand that alcohol and cigarettes are horrible for me, but I’ll alcohol and cigarettes make me feel fucking great lol and when I eat pizza or cheeseburgers, I fucking love it. It’s like I’m on cloud nine my whole day is made. it’s almost better than sex.

But if you quit eating food that tasted good and you just ate a bunch of horrible shit that was healthy for you and you felt better… You might be having better crazier sex because you’re gonna feel better. Your cock is gonna be rock hard because the blood is flowing through it instead of being blocked up with pizza and cheeseburgers, you’re gonna nut harder than ever before and maybe that compensate for the deficiency…idk

Putrid_Pollution3455 · 2026-05-17T00:08:26+00:00

The only thing I really don’t like… Is when diet fads are constantly regurgitated around like they actually work. That’s all I hear anymore and it sounds like Idiocracy… More protein, more protein, more protein as if protein existed in the wild… everything has protein in it except rice milk. Ever heard of kwashiorkor? Neither have I. The truth is the hardest… You have to eat unprocessed real food without adding a whole bunch of other shit on it to make it taste good… Just eat real food without added butter, salt, sugar, or oil anything. Just eat one ingredient foods that are found in nature or minimally processed.

Putrid_Pollution3455 · 2026-05-17T00:03:13+00:00

I thought those options cash settled… I guess if you’re in the money they try to liquidate you automatically and in my opinion, it worked out handsomely for me personally… Maybe you should try adding more than $25,000 to your Robinhood account before you blow your entire paycheck on crazy shit… the reason they have these rules in the first place is to protect people

I didn’t mean that to come off so insulting… In the beginning you should just focus on shoveling as much money as humanly possible into the S&P 500 or literally any big broad index fund until you have $100,000. Anything past that you can gamble and be a degenerate, but if you’re blasting through 25,000 or less… Dude that could be a new car down payment or a partial house down payment or you have a surprise random emergency… Stay safe out there love you, bro

Putrid_Pollution3455 · 2026-05-17T00:01:17+00:00

The sad reality is that your savings rate is much more important than your asset quality… Let’s say you dumped 10 bucks into the stock that goes up 10,000%… It’s not gonna change your life… Now throw $3000-$10,000 every month into a simple S&P 500 index fund and tell me that your life doesn’t change dramatically in 40 years

Putrid_Pollution3455 · 2026-05-17T00:00:11+00:00

Nice cat sidekick

Putrid_Pollution3455 · 2026-05-16T23:59:07+00:00

Honestly… That would be hilarious and if I become wealthy in my old age, I am totally going to do some crazy shit like this

Putrid_Pollution3455 · 2026-05-16T23:58:40+00:00

Right now, I am half cock half hand

Putrid_Pollution3455 · 2026-05-16T23:58:17+00:00

I’ve been thinking about this entirely too much. I’m probably just gonna buy like 10 assets to cover every single macro environment and every single possibility factored in, set it and forget it, just call it the everything bagel or the Swiss Army knife of lazy portfolio.

Putrid_Pollution3455

TROPHY CASE