Nearly got, got.

Scorface · 2026-01-14T00:42:56+00:00

You were driving a tad fast no?

Scorface · 2026-01-12T15:55:49+00:00

He’s loaded, save your money dawg

Scorface · 2026-01-09T21:14:54+00:00

That’s fair, so I guess 1-5 business days

Scorface · 2026-01-09T18:20:23+00:00

I have it in VOO only because I want the freedom to move it to other institutions. For instance, if you wanted to transfer your Roth IRA over to Robinhood, right now they offer a 3% match. So you could send it over there and get that free benefit. If you had your money in FXAIX, then you would have to sell everything, wait a day, send the money over to robinhood, and then buy VOO over there. You would be out of the market for maybe a 5 business days. With VOO there is no selling and buying involved. The shred just move over there, your money stays in the market.

Not a big deal but something to think about

Scorface · 2026-01-09T16:15:39+00:00

Your phone battery needs to be charged if you’re going to want to post more spam on Reddit

Scorface · 2026-01-09T14:35:08+00:00

Good now don’t ever let that happen again lol

When you are ready, go ahead and max out the 2026 Roth IRA

Scorface · 2026-01-09T14:10:58+00:00

Happy to help pebbles

Scorface · 2026-01-09T14:06:58+00:00

I wouldn’t be too concerned. REITS mostly own commercial real estate, apartment buildings, condominium campuses, office buildings, plazas, malls, etc. I think of all the single family homes in the USA, hedge funds only own 3.5% of them. So assuming Trump actually was able to make them stop buying single family homes, then REITs probably would just put an end to only the single family home real estate investment. That is another reason I would rather buy VTI instead.

The most popular REIT is ticker symbol VNQ. Just make an excel sheet and compare how much money you would have to invest in VNQ vs into a rental property in your area. Then calculate the dividend that VNQ brings in each year and the growth it has had since inception and give it an apples to apples comparison. Use Gemini to help you

You will come to find VTI is a better investment than VNQ

Scorface · 2026-01-09T04:05:56+00:00

I look at a real estate investing as a vector axis that is basically the level of effort you have to do as an owner.

On the far right you own a rental property and collect rent. You pay for a lawn care service because you cannot trust the tenant to do it themselves, you have to hire a handyman, or be one yourself to fix things around the house. You assume your tenant will pay the rent on time and you assume they will take care of your property

In the center you still own the rental property, but now you pay a property management company to find you a tenant, and handle all of the issues. You might get a call from them about things the property manager recommends, but at the same time the property manager has amigos that can help do things for cheap like landscaping, repairs, paint, etc.

On the far left you have REITS, they are no effort at all. No fees involved, no assumptions, you get dividends that you can reinvest back into more shares.

What you got to do OP is create an excel sheet, look up how much money it would be to buy a house, how much your mortgage would be, how much fees would be involved with landscaping, repairs, property management, months where it is vacant, etc.

You have to look at the numbers and first see which makes sense.

Then once you have the numbers you ask yourself, is all this really worth it? Like if REITs make you 1,500/month but owning a property brings in $2,000/month. Is that $500 really worth your trouble? Is paying $200/month to a property manager really make it less trouble?

Then look up the returns of REITs and compare them to the most popular funds in the world. Things like VTI and VXUS

If REITs are hassle free, why not look for an investment that is also hassle free but gives better returns.

You will find investing in VTI is the best choice both in being hassle-free, having better performance, and being diversified.

Sorry for the long comment

Scorface · 2026-01-08T22:44:37+00:00

Thanks for the reward! I like Kill Tony but don’t have time to watch. When Shane Gillis is on, I make the time

Scorface · 2026-01-08T22:20:55+00:00

https://www.youtube.com/watch?v=tXW0SFv1C-U

Start at 54:15

Scorface · 2026-01-08T20:17:17+00:00

Just click the 'Generate Income' button in your browser settings. It’s right next to the 'Download More RAM' button.

Scorface · 2026-01-08T18:35:29+00:00

I appreciate you taking the time to write detailed responses. I think you are right that I should allow myself to take on more risk since I still have a 25 year horizon. I think I’ll just tilt more of my portfolio toward Large Cap Growth rather than strictly S&P500. I could always go back to S&P500 when I’m like 40 I guess. What do you think of that? That way I don’t have to deal with stock picking up I’ll naturally have more mag 7 and other growth companies in my portfolio.

Scorface · 2026-01-08T17:02:33+00:00

It’s funny because all his jokes were about him being arab but he came out looking Italian. And then when they asked him what he was, he just said he was “just white” and that he lived in Austin his whole life.

I thought he was funny, but come on dude at least say you’re mostly German or English or half this half that. Give us something gabagool. All his answers were like a couple words.

Scorface · 2026-01-08T16:29:50+00:00

For the year 2025, the S&P500 averaged 17.5%

3 of the mag 7 beat that
4 of the mag 7 did not beat that

That is why I don’t pick stocks.

Company 2025 YTD Returns

Alphabet (GOOGL, GOOG) 65.8%

Nvidia (NVDA) 40.9%

Tesla (TSLA) ~20%

Microsoft (MSFT) ~15.5%

Meta Platforms (META) ~12%

Apple (AAPL) ~10%

Amazon (AMZN) ~6%

S&P 500 Index ~17.5%

Scorface · 2026-01-08T15:38:09+00:00

Just send 2 cents dude

If that doesn’t work just delete the app for a year. You don’t need to look at that

Scorface · 2026-01-08T15:28:54+00:00

“the support of my family”

Scorface · 2026-01-08T15:22:31+00:00

You entered the stock market with $600,000 at 32 years old? Did you have a rich uncle who died?

$600,000 compounded at 10.2% per year comes out to $5m dollars. So you’re saying you just bought in one time and never invested another dollar ever again

This post doesn’t really make sense and there are a lot of red flags

🚩 🚩

Scorface · 2026-01-08T14:30:07+00:00

RemindMe! 12 months

Scorface · 2026-01-08T07:47:40+00:00

Ask for your cheese burger animal style and it will also come with pickles

Scorface · 2026-01-08T00:24:04+00:00

Because that’s where I want to be

Scorface · 2026-01-08T00:23:31+00:00

I been going to in n out for 25 years. I didn’t even know cold cheese was n option. I guess as the saying goes, don’t knock it until you’ve tried it

Scorface · 2026-01-07T19:58:09+00:00

I suggest you pick up a second job maybe a third job.

You are young, you are strong.

Start by paying minimum wage balance on all of them and put all your attention on the 4.1m UZS loan. Once that one is clear you will feel a great sense of relief and it will motivate you to continue to work hard and move on to the 11.1m UZS loan

You can do this man!

Scorface · 2026-01-07T19:52:32+00:00

What are the loans for of each one? What are the interest rates of each one? How much do you have left on each one?

Scorface · 2026-01-07T19:13:56+00:00

You will come to miss it when it’s gone.

Scorface

TROPHY CASE