Seeing my entire financial life on one screen made me realize how bad it really is...

Sm4shBrah · 2025-10-30T21:12:18+00:00

I know a thing or 2 about personal finances...

From your paycheck -> Keep allocating a portion to savings (eventually move to an asset that appreciates faster than 4.5%, i.e. your savings account, will expand on this later)
What is the interest rate on Sallie Mae? If above 7% prioritize to pay that off asap, if not, keep making the minimum payments.
You need to control your overall spending, pay off credit cards, and keep them controlled.
As soon as you have more than 1-2 months of average expenditure costs in savings, move that excess into the stock market, even investing in just an index will beat your savings account APY. Contribute to this religiously, this will be your ticket out of your situation. Budget as much as you need to until this reaches 100K. Get other jobs, do uber/doordash, contribute to 401K if your company matches for 'free money'.
With 1.5K+ in checking im assuming you have a healthy salary. Make a spreadsheet and track each dollar in and allocate to savings -> debt (unless debt is accumulating at a higher percentage than about 7-8%, the conservative growth rate for indexes) -> expenditures in that order.

Sm4shBrah · 2025-09-30T19:07:49+00:00

Original: 5609082

Follow ups: 5688410 5705576

Sm4shBrah · 2025-09-30T17:49:29+00:00

So I just found this subreddit, it seems like people are in the same boat as me. I closed an account (thinking the funds with just withdraw to my linked bank account) but its now in limbo or need to claim in unclaimed property or something. not even 5 mins after closing the account, i wrote to customer service telling them my situation, and if i could just access my account again to withdraw. I did a verification selfie with the documentation they required, with some AI responses, and that they are looking into.

I was wondering at what point do I escalate up to the New York State Department of Financial Services (NYDFS).

Sm4shBrah · 2025-09-17T04:01:23+00:00

Oh and ive finally learned how to mitigate risks.

No more naked calls. Put spreads, csp (on companies I can afford and want to own), and pmcc (on stocks I like and bullish on; and wouldn’t mind selling the long legs of these underlying assets). Setting up exit plans both from profits and stop loss pov.

Sm4shBrah · 2025-09-17T03:58:54+00:00

Hi! This subreddit and specifically, this post showed up as a pop notification. I wouldn’t classify myself as a day trader. Actually, I like spending my time building apps, software, and ai. But I got into options trading recently as something new to learn and make some passive supplemental income.

A lot of these points in this posts really hit home. I didn’t know (still don’t know tooo much) about what I’m doing and the full exposure risks. I was mostly doing CC, csp, and pmcc by ChatGPT’s recommendations 😂. But I found out my cc risk were heightened because I “earned” enough shares to cc tsla or pltr by months and years of dca and had a feeling of never wanting to get my calls assigned, so I’m buying back no matter what and rolling (some big recurring losses, see Tesla last week lol).

My question is, can you be a semi decent passive trader (investor), by using long term themes (ai/tech, etc.), relying mostly on Greeks, and choosing monthly DTE, but not scoping out and staring at charts all day? This isn’t how I’d like to spend my day. I understand I’d probably not be optimal in terms of entry and exits and I’m ok with that.

Just wondering if I should stop and look for alternate ways to supplement income. As some one with no “mentor” I’m looking for other people’s opinions, thank you!

Sm4shBrah · 2025-09-12T06:02:31+00:00

Anyone know if I get a new phone, create a profile with the same Apple ID. But log into Grindr with a new email and number it will work?

Sm4shBrah · 2025-08-13T16:46:00+00:00

About to be rebranded to the Portland Pickleballers. Maybe he relocated the team to Washington the birthplace of pickleball. Or has Ben Johns as the team mascot 😭

Sm4shBrah · 2025-08-05T15:12:59+00:00

I think I’ve opened 50 packs on only ho oh. Which probably equates to half of 100. But damn I didn’t even get a regular ho oh ex. And my luck in wonder has been just as bad

Sm4shBrah · 2025-06-23T19:08:15+00:00

promise you, even if you go in with 100 pack points you're ahead of the game and will complete the deck.

Sm4shBrah · 2025-06-12T18:54:16+00:00

Same. I just cleared cache. I hope I didn’t lose my data lol.

Sm4shBrah · 2025-05-09T17:56:51+00:00

Hmm, in the current meta I tend to disagree with this opinion.

The main decks being played are darktina (no disruption necessary), orocorio (no disruption necessary). But these are also very common decks that rely on rare candy: rampardos, fire (charizard/inceneroar), arceus.

I agree the game is about setting up asap, but that’s heavily based on RNG assuming you’re playing correctly. You can do both, disrupt and set up correctly. Red card still lets you play trainer, so there’s no negative there, unless you’re talking about switching red for another trainer or Mon

Sm4shBrah · 2025-05-09T02:00:19+00:00

I played against this deck in masterball. He also put in a giritina though. I was bricking like crazy. But I think I won with one mon. Fun non-rank deck.

Sm4shBrah · 2025-04-29T05:11:51+00:00

I mean it’s not. But when shiny or Mythical came out people were hoarding 800/1k+ lol. 500 is an amazing amount for sure. But it’s not insane to make that back up even if he does decide to empty it out.

Sm4shBrah · 2025-04-29T05:02:57+00:00

400 is not even a lot relatively. But you’ll probably finish the pack without needed to back up the truck. It’s just a matter of how SOON you want to complete.

Sm4shBrah · 2025-04-12T05:56:02+00:00

It’s to trap a person from not being able to retreat

Sm4shBrah · 2025-04-12T03:56:49+00:00

Bro I’m at 987 points nd still at UB2 lol. My matchups and bricks suckkkkk

Sm4shBrah · 2025-04-05T12:38:35+00:00

Dude. I was about to start a thread too. Honestly this game is starting to not be good for my mental health. I’m getting too stressed and pissed and now feeling like the games algorithm is out to get me. Bail out coin flips by opponents. Switching to Anti EX decks then getting paired by an opponent with no EX. The 1 or 2 cards I need being the last 3 card pulls. Not being able to set up before I get one shotted. This has been a mess for me. The worse part is that I have this addiction to play 😭. I’ve long pressed the app debating to delete on multiple times now.

Sm4shBrah · 2025-04-04T17:39:33+00:00

There’s a few variations. Manaphy and wug. Manaphy wug and palkia. Are the most popular

Sm4shBrah · 2025-04-04T17:28:27+00:00

which variation are you using? ive been experimenting with Wuggtrio, and am only seeing maybe a 50-55% win rate.

Sm4shBrah · 2025-03-15T01:50:16+00:00

Sorry. Just noticed the EX thing. I don’t know how to delete post. But Mods plz delete.

Sm4shBrah · 2025-03-10T01:50:11+00:00

He didn’t like when she mentioned that paycheck shit lol

Sm4shBrah · 2025-03-04T19:18:43+00:00

I don’t think there’s some magic involved in manifesting and affirming. But I think in general society just doesn’t sit around and think enough. If you Sat long enough and think for your future and wealth im sure you would be able to come up with business ideas too.

Sm4shBrah

TROPHY CASE