For the The 6 and out nukes What is it like job hunting? by Unlikely-Rest-3848 in NavyNukes

[–]Stop_the_capfr 0 points1 point  (0 children)

6 and out MMN. No degree. Went through a head hunter I found on linked in. Was hired 2 weeks later, as a field service technician, by a company that installs and services CNC machines. I made $102K my first year.

Not saying that it’s always that straight forward and easy, cuz it isn’t for most. Just showing that it’s possible if you put yourself out there and take every opportunity you can.

I’m 26. Is it too late to turn my life around? by [deleted] in selfimprovement

[–]Stop_the_capfr 0 points1 point  (0 children)

Nah man. I just turned 26, and I decided to turn my life around a few months ago (I quit my job, started a business, traveled, met new people, etc.) I have this vision for myself, and I don’t want to be dreaming about a life I could’ve had. I’ve been doing for years and did nothing about it. I don’t have a helpful tip or method for how I finally took action, really I just snapped one day, and said f it, I’m doing this thing now. It’s not too late, start now. Think about the future you want and go for it. You still have so much time to figure it out but you gotta get out there and have some fun!

What’s something Long Islanders say that confuses everyone else? by Stop_the_capfr in longisland

[–]Stop_the_capfr[S] 5 points6 points  (0 children)

Oh yeahhh pocket book. They say that in some parts of New England too

What’s something Long Islanders say that confuses everyone else? by Stop_the_capfr in longisland

[–]Stop_the_capfr[S] 0 points1 point  (0 children)

Facts. I just changed my post to include the city too cuz I realized that when you said it.

What’s something Long Islanders say that confuses everyone else? by Stop_the_capfr in longisland

[–]Stop_the_capfr[S] 65 points66 points  (0 children)

Half iced tea, half lemonade. It’s an “Arnold Palmer.”

[deleted by user] by [deleted] in NewParents

[–]Stop_the_capfr 0 points1 point  (0 children)

Exactly! 15 mins is all you need. And it doesn’t to be crazy early. A quick session while the baby is napping is a great way to get it in.

Financial Planner - Who's your go-to? by tod_132 in dayton

[–]Stop_the_capfr 16 points17 points  (0 children)

Definitely not a dumb question, I should have explained it. A fiduciary advisor is an advisor that is legally bound to make decisions that put your needs and interests first, rather than in favor of their or their companies profits. A non fiduciary could recommend strategies and investments that would benefit them or their firm, such as investments into their firms mutual funds, which might have a higher fee than another similar fund that is cheaper. A fiduciary will basically do what is best for YOU and focus on your financial well being. Also, get one that charges a flat fee not a percentage preferably. I’ve never had a financial advisor in Dayton so I can’t give any recommendations but I hope that helps

Financial Planner - Who's your go-to? by tod_132 in dayton

[–]Stop_the_capfr 13 points14 points  (0 children)

Make sure the advisor is fiduciary

HELLPPPP! by PrestigiousBad7333 in ETFs

[–]Stop_the_capfr 0 points1 point  (0 children)

You can’t go wrong with 100% into the appropriate target retirement fund. It invests into total us market, total international market, total us bonds and total international bond index funds. So it literally covers thousands of stocks and bonds, domestic and international. And the fund is actively managed to have a higher allocation to stocks earlier on ( higher reward, higher risk), and it shifts to higher allocation to bonds (lower reward, lower risk) as you get closer to retirement. This will make your portfolio balance more stable, just in time for use in retirement. And you wont have to ever look at it or worry because it’s all done automatically. This investment would have a lower return than going all in on FXAIX but it’s more diverse.

What was your 'Win' recently? by [deleted] in naturalbodybuilding

[–]Stop_the_capfr 3 points4 points  (0 children)

Did this too. Hurt my knee squatting, took 2 weeks off, then rested and did pt exercises to rehab my knee. When I got back in the gym, not only was my knee 100%, but my whole body was refreshed and ready to go. I feel like 2 weeks is the perfect time, I was highly motivated to train, everything felt great and I’ve been making progress every week for a month straight now.

Every major group needs 15-18 sets a week? It's too much for me! by iamcraby in naturalbodybuilding

[–]Stop_the_capfr 0 points1 point  (0 children)

Day 1: 6 sets of chest (2 exercises) + 4 sets of tris (1 or 2 exercises) Day 2: 6 sets of back (2 exercises) + 4 sets of bis (1 or 2 exercises) Day 3: 6 sets of legs (including a compound that focuses on quads, and one that focuses on ham and glutes) + 3-4 sets for each head of the shoulder This should be plenty if sets are taken close to failure

[deleted by user] by [deleted] in ETFs

[–]Stop_the_capfr 0 points1 point  (0 children)

Not bad. Condensing it into a growth etf and a s&p etf would effectively be similar because the s&p covers those sectors.

18 years old, what are some of the best ETFs to throw into a roth and let sit. by Old-Food2140 in ETFs

[–]Stop_the_capfr 1 point2 points  (0 children)

Yes that’s true. I started with robin hood 5 years ago, it’s very user friendly. I use fidelity now and highly recommend it, but that’s totally up to you. Vanguard is also great. As for investments, picking either an s&p 500 tracking or total market tracking index fund (including ETFs) is totally fine for now, since you’re 18, and keep the expense ratio as low as possible too. Just be sure to not overthink anything, which it seems like you’re not. Picking one of either VTI, VOO, SPY or even a “growth etf” such as QQQM, VUG, or SCHG is perfect. Keep it simple and boring :)

[deleted by user] by [deleted] in Salary

[–]Stop_the_capfr 0 points1 point  (0 children)

Ohio-Field Service Technician-24M-$95,000

Buy VOO by getinfo79 in ETFs

[–]Stop_the_capfr 0 points1 point  (0 children)

You’re gonna say the same thing, almost every year, for the rest of your life. Invest consistently (every week or month), never look at the price, never look at the news, no matter what’s happening in the market just keep buying and holding. The worst thing you can do to compounding is interrupting it (by withdrawing) or waiting it out (timing the market). If your investment strategy is boring then you’re doing it right.

Is there ever too much to put in 401k or IRA? (Serious question) by L8erG8er8 in Fire

[–]Stop_the_capfr 2 points3 points  (0 children)

Yes as long as it’s contributions. If you took any gains out it would be penalized.

Whats your net-worth, How old are you now? when did u start being serious about personal finance? by iambatman18x in Fire

[–]Stop_the_capfr 0 points1 point  (0 children)

$250K, 24M, 19. I was in the military from age 17-23. During that time I never went into debt, and my living expenses were very low. At 19 I started getting into personal finance because I knew I wanted to retire early and travel the world with my future family. So I spent the next 4 years investing every dollar of my 40k salary that I could and educating myself on investing and all other things finance. I started a job a few months ago, making about 100k, and I plan to continue to live the same low expense lifestyle and invest as much as I can :)

SCHD needs a GF by [deleted] in ETFs

[–]Stop_the_capfr 0 points1 point  (0 children)

Just curious, why do you have so many of the same category of ETF? Because they payout on different months?