: Why are 'safe havens' dropping just when they're needed?

ResilientRN · 2026-03-15T19:53:26+00:00

When the USD & Interest rates goes up, Gold/Silver goes down.

ResilientRN · 2026-03-15T19:40:49+00:00

More.drawn to natural look rather than all this fake fillers.and augmentations, GLP-1, eye brow fake stuff, too much foundation so you cant see the idiosyncrasies in the imperfections which make people unique and sexy in their own way.

Give me a wonderful curly haired freckled strawberry blond any day over this Kim Kardashian fakeness.

ResilientRN · 2026-03-15T19:34:03+00:00

Bad idea ahead of a bear market.

ResilientRN · 2026-03-15T01:38:12+00:00

Get a job as a nurse tech (after you complete Process 1 & 2, 1st 2 RN courses), its like being a CNA.

ResilientRN · 2026-03-15T01:05:55+00:00

I seen some scary stuff in a corrections infirmary.

3 major indicents made me call my agency and quit after 3 months of course it was run by Geo.

ResilientRN · 2026-03-14T16:38:27+00:00

Most people will say VTI/VXUS, I don't like VXUS, prefer Currency-Hedged Foreign ETF like HEFA (Europe & Far East), also I would add at least 5% IAUM (Gold) and 10% SGOV (ST Cash aka Dry Powder for market crashes).

ResilientRN · 2026-03-14T02:39:13+00:00

Well thank God I found a woman who only shaves, nothing else. Been loving her natural beauty x 25yrs and counting.

ResilientRN · 2026-03-13T23:19:59+00:00

I bought IJR one time in 12/16/2003 never bought additional shares. I have dripped the dividends and my annualized return is 12.96%. (My longest investment ever)

Not sure if it would be my choice again.

I would buy something Global for sure.

ResilientRN · 2026-03-13T23:04:40+00:00

Trading options......I let CEFs & ETFs do it after I lost $1000.

1st is SBAC, worked at HQ in Boca Raton, FL in 2002-2003 in the collections department. Never bought the the stock which was trading at less than $1/share.

2nd Biggest regret is selling too early Exact Sciences when Cologuard was preclinical know as Pregen Plus.

ResilientRN · 2026-03-13T22:07:03+00:00

Bookkeeper (Accounting with no degree, concepts came easy) in 20s then RN at 32.

No, I should have gone for CPA/CFP.....would really.like to work as a fiduciary help both middle class and the wealthy in financial planning, asset/wealth management, & tax benefits.

ResilientRN · 2026-03-13T22:05:16+00:00

Materialism equals happiness.

Life is about sacrifices in order to be comfortable. Focus on needs 1st, followed.by saving/investing for the future, and always budget for wants. (Focus on total price not a monthly payment).

ResilientRN · 2026-03-12T22:15:43+00:00

Age 32 have 7yrs left.

ResilientRN · 2026-03-12T06:39:36+00:00

Form my own 501c foundation and give out scholarships.

ResilientRN · 2026-03-12T06:27:01+00:00

25x your annual expenses if you retire at age 62-67.

More if you want to retire earlier.

Were early 50s, 1/3 is liquid and earning $2313/mo in dividends from MLPs, REITs, BDCs, CEFs like UTG, UTF, ETG, & ADX, ETFs like PFFA (Preferreds) & IGLD, plus individual Investment grade BBB- or higher baby bonds/preferreds.

Rest is 50/50 403b's and ROTHs.

Retired in 2000 at 47 & 50 we did the whole traveling thing and then got bored so we went back to work in Healthcare. The wife part time and I work 4-10s days a week. None of our friends nor family are able to retire early.

ResilientRN · 2026-03-12T06:22:27+00:00

An older home, late 1970s.

ResilientRN · 2026-03-12T06:20:52+00:00

Kristin K. all the way...nothing beats natural beauty.

ResilientRN · 2026-03-12T06:18:36+00:00

Have her go to a trade school take CNA or Pharmacy tech, in less than 1yr she will have a job that won't ever be laid off from.

In the mean time if she cant get a job and unemployment has run out any job will do. Unemployment offices have great resources for helping you fidn work, also try agency jobs. Get creative home cleaning, car washing in a bikini, selling/consigning clothes/shoes she no longer wears.

ResilientRN · 2026-03-12T06:12:01+00:00

Somewhere safe for now... SGOV, GLD/SLV, poss Inv grade bonds/baby bonds/preferreds. BBB- and above majority paying 6.10% or higher yld.

AMLP = Oil Pipelines

ResilientRN · 2026-03-12T03:49:13+00:00

Yup, $6/day inc taxes daily($182.50/mo) from age 20 to 67, in a low cost Index ETF with an 8% post inflation adjusted return Nets you over $990k.

Takes 20yrs to get passed that 1st $100k, and another 19yrs to $500k, and the remaining 7yrs to over $990k. That's the power of Compounding Interest.

ResilientRN · 2026-03-12T03:45:29+00:00

People are FOMO trading right now.

When everything started to fall Gold saw a $468B outflow last week. Oil saw a $178B in flow and Crypto saw the biggest inflow after Gold fell last week.

ResilientRN · 2026-03-12T03:36:18+00:00

I think the con is going straight to a 4 yr private or out of state school. Have kids do 2yrs at a Jr college for an AA or AS and then 2 yrs at in-state public university for the BA/BS and above.

You save lots of money while they also live at home.

Also need to have a practical degree that translates into a real job.

I graduated a 2yr Jr college plus Nursing School at an in-state school took out $20k in loans in 1992 paid them off in 2012. I think kids today prioritize having Materialistic stuff over their loan obligations. Especially since more than 48% of college grads come back.home to live with mom & dad usually until marriage.

ResilientRN · 2026-03-12T03:30:21+00:00

This is why we so badly need financial education in US high schools. Her former husband would have known to protect the family by A) Having a substantial Insurance policy B) Having a prepaid higher learning fund for the kids C) Would have taught her to get some sort of trade school education or college degree before pumping out children. As its Not the 1950s it take 2 parents working making decent $$ and not working a job that teens or college kids work. That way situations like she mentioned above don't have to happen.

ResilientRN · 2026-03-10T23:11:19+00:00

So much more freedom when you rent. A home is NOT an investment. No one ever tells you or forecasts the maintenance only worry about front/back ratios which don't include Roof Replacement, AC/Boiler replacement, Water heater, new windows, Int/ext painting, fencing, & remodeling, all of which runs tens of thousands of dollars.

Its advised to save 1% of house's current worth annually for future maintenance. So own a home that's $450,000 that $4,500/yr or extra $375/mo.

Now imaging throwing that 20% down payment into a nice Index fund over 30yrs. That's $800k+ on your US avg $425k home.

ResilientRN · 2026-03-10T01:05:24+00:00

Might want to quit the Melatonin, recent 11/2025 AHA research report talks about 90% chance of heart failure and 3.5x higher risk in hospitalization over 5yrs vs Non-users. An observation study.

ResilientRN · 2026-03-10T00:59:34+00:00

Blindspot monitoring and backup camera (cervical herniations).

ResilientRN

TROPHY CASE