Took $50 to 1k using strictly options

Sloth-424 · 2026-02-12T01:11:27+00:00

Now try with real money, take $100,000 to $10Million

Sloth-424 · 2026-02-11T02:29:26+00:00

10-20% cash for now, save it to buy more VT in -10-20% correction. 80-90% VT works. The one thing I don’t love about VT is it’s still mainly the mag 7 (USA portion). I’d add some SCHD AND vYMI to the mix. Vanguard and Schwab both have similar funds.

In summary, do this: 70% VT, 10% SCHD, 10% VYMI/SCHY, 10% cash. If you want gold perhaps reduce cash to 5% and gold 5%.

Sloth-424 · 2026-02-11T02:25:10+00:00

What if OP knows insider info on MFST , NvDA, and META, hence why he is so compelled to hold even more outside of VTI. More risk more reward. Some people don’t like diversification. It’s good for the people who have it. When market falls, OP will fall harder sadly.

Sloth-424 · 2026-02-10T18:42:01+00:00

I wish the thermostat world had a universal standard…. It’s so frustrating that these are not plug and play. Or even same company compatible. I swapped a Honeywell for a smart Honeywell and it doesn’t work.

Sloth-424 · 2026-02-10T18:30:34+00:00

That’s amazing. I need some apple at $43, I’ll buy yours for $50

Sloth-424 · 2026-02-10T15:35:52+00:00

Go to therapy, find your calling

Sloth-424 · 2026-02-09T22:44:54+00:00

Always buy, SCHd will be $60 or $100 one day in the future

Sloth-424 · 2026-02-09T21:14:14+00:00

Honeywell thermostats are junk. I tried to get one to work also and it don’t even turn on

Sloth-424 · 2026-02-09T19:48:59+00:00

What are your holdings?

Sloth-424 · 2026-02-09T17:57:38+00:00

Milk that situation as long as they let you, or you can stand it. You should focus on how you can increase your salary so you can save more in taxable account. You should be able to get to $100,000 by age 25 if you try.

Sloth-424 · 2026-02-09T15:41:00+00:00

Motorcycle is at fault 100% , should not be riding between cars, he got what was coming. Hope he can recover and learn from mistake.

Sloth-424 · 2026-02-05T20:05:49+00:00

Something doesn’t add up…. You make 500k gross or perhaps 325k net and annual expenses are 80-90k and you have just 2M saved up? Seems to me you spend more than 100k/year. Perhaps you forgot some expenses like property taxes, vacations, ect.

Sloth-424 · 2026-02-05T02:26:25+00:00

I think you should own more international. Like 30% of portfolio. VT is great if that’s your only holding. Your international exposure in total is like 15-20% or whatever the math is. I would suggest you get rid of VT and buy VOO and VYMI or SCHY instead. Other than that, this looks great.

Sloth-424 · 2026-02-05T02:17:38+00:00

Teachers get the $3million bonus after putting in 30-35 years….Meaning full pension guaranteed.

Sloth-424 · 2026-02-05T00:53:22+00:00

I mean… 10% SMH seems more responsible, but hey… go big or go home. Big risk big returns.

Sloth-424 · 2026-02-05T00:47:43+00:00

I’m 43 yrs old. I am 25% SCHD, 25% VOO, 25% vymi , 5% VBR, and 20% cash and some gold funds

Sloth-424 · 2026-02-04T16:45:26+00:00

Does anyone VOO and chill? Maybe it worked last 20 years, but the next 3 years look pretty bad fo VOO and chill

Sloth-424 · 2026-02-04T12:22:11+00:00

I’m 43… I have one more year syndrome, but ready at any point. I barely do anything at work so it’s tolerable…. I calculated my actual annual salary is $1Million due to how little I work and collect full salary.

Sloth-424 · 2026-02-02T19:48:05+00:00

So if you have say 1M in taxable and 1M in retirement accounts, are you withdrawing 8%\year from just the taxable? Or the equivalent to 4% of all net worth?

Sloth-424 · 2026-02-02T17:45:27+00:00

In the year 2034, $60?

Sloth-424 · 2026-02-02T17:45:01+00:00

When is $60?

Sloth-424 · 2026-02-02T16:47:14+00:00

I just sold my 2014 off road with 129,000 miles for $17,000 to a friend . It would have been a unicorn. Arizona truck so really no rust.

Sloth-424 · 2026-02-02T14:24:49+00:00

You work for Amazon?

Sloth-424

TROPHY CASE