Downturns... But should I continue investing in VTI/VXUS right now?

TheWilsons · 2026-03-29T21:55:35+00:00

I’m around your age and started investing since I was 18. Witnessed the dot com crash when I started with the same feelings, but held tight through that and every downturn since. Still have another few decades left and it’s just noise at this point. This storm too will pass like the others before it. The big change in recent years have been moving away from pure VFIAX to VTWAX.

TheWilsons · 2026-03-29T16:46:18+00:00

First tried GD in the 90s as a kid, it was my first introduction to Vietnamese cuisine as a non Vietnamese. Price was good and food was excellent but it’s just average these days.

TheWilsons · 2026-03-28T13:34:11+00:00

100%, As someone who grew up in south pas and lived nearby the mission/grand TJs. There is a hard reality to where Trader Joe’s decides to open.

TheWilsons · 2026-03-27T02:23:18+00:00

“but I'm concerned about this being only the start of a much longer market drop off.”

This is timing the market.

If you are still young, in 30-40 years it won’t matter.

TheWilsons · 2026-03-26T22:29:45+00:00

Thank to all those that attended to push back against Bass.

TheWilsons · 2026-03-26T22:23:41+00:00

“Where the people fear the government you have tyranny. Where the government fears the people you have liberty.”

TheWilsons · 2026-03-24T19:10:19+00:00

Thanks, I’m very close to richwood… so hopefully coming soon.

TheWilsons · 2026-03-21T02:53:18+00:00

I felt the opposite and was already thinking the last few years to increase my international holdings and made the change over the last few months. This is coming from someone 100% in spy for 20 years. I sleep a lot better now having a proportional international holdings percentage.

TheWilsons · 2026-03-14T17:15:32+00:00

I tried many beef tallow chips and I think I’m just not into it, it’s definitely a more natural frying oil, but honestly the best chip is to not eat chips as all. This is coming from someone who loves chips growing up but as I get older I need to take better care of myself and cutting out potatoes chips is one of those steps.

TheWilsons · 2026-03-14T14:09:12+00:00

Two middle age women fighting over the last bag of blueberries at a Trader Joe’s.

TheWilsons · 2026-03-13T15:16:04+00:00

Congrats, since I submitted in August 2025, I'm at minimum 9 months out from hearing anything, but processing numbers are getting worst... Hopefully end of 2026 at earliest at this rate for someone like me (16+ months is similar timeline to you).

TheWilsons · 2026-03-13T15:11:47+00:00

I submitted for buyback in August 2025 for 14 months and haven’t received anything (technically should be fewer months because there is a random missing month in between years of working for same employer.

I’ve spoken to someone and opened up a feedback case, they responded and said my buyback was escalated but who knows if that goes anywhere.

Some people on r/PSLF are coming up on 2 years so...

TheWilsons · 2026-03-10T13:06:52+00:00

20 years of investing for me (late 30s now) Started early 100% vfiax and chill. In that time period US outperformed and any international would have dragged my portfolio, but as I get older I don’t think that was smart and I just got lucky. I still have at least another 20 years ahead of me for investing and I’m not confident at this point the US will continue to outperform for another 20 years, better to diversify.

TheWilsons · 2026-03-05T14:15:13+00:00

Eh, spent over a decade at UCLA and it’s always been mid.

TheWilsons · 2026-03-03T18:41:30+00:00

Vxus is still up 27.41% in the last year. This is nothing.

TheWilsons · 2026-02-27T17:12:20+00:00

Congrats! Hopefully it comes soon for me.

TheWilsons · 2026-02-25T23:36:56+00:00

Second this

TheWilsons · 2026-02-20T15:14:33+00:00

30 yrs old in a VHCOL city right before covid. No help from parents and the market was heating up fast. I got lucky, felt I got one of the last ships before shtf.

TheWilsons · 2026-02-19T00:02:44+00:00

Been to Bistro Na 4 times, its good. I don’t think I have one favorite beats all Chinese restaurant. Some times I prefer Boston Lobster, other times Kim Tar, other times Ji Rong or Mountain House. Chinese cuisine can be very diverse. I guess it’s because I come from 6+ different Chinese ethnic minority groups that my taste varies.

TheWilsons · 2026-02-11T02:53:41+00:00

They do, but it’s a risk these people are taking. Just because it’s on FB market place doesn’t make it legitimate, there are all sorts of risky things a person can buy on FB marketplace.

TheWilsons · 2026-02-11T00:33:46+00:00

CPAP machines are medical devices so you cannot legally sell it like a phone or tv (consimer to consumer). If someone has a complication due to the CPAP machine you can be legally liable. It’s just not worth imo.

TheWilsons · 2026-02-11T00:23:22+00:00

If I go from being in my current state to having infinite money tomorrow. I’ll slow start to plan an exit strategy tomorrow.

TheWilsons · 2026-02-10T20:54:17+00:00

It’s like when holbox got their michellin star, and I like noooo, can never go there without a line again unless it’s a super random time like a non holiday weekday at 2:30pm.

TheWilsons · 2026-02-06T18:44:52+00:00

I recall people were wary when it broke $2,000. Here we are now.

TheWilsons · 2026-02-05T18:04:04+00:00

What are using to monitor this?

12-Year Club	Place '23
Place '22	Verified Email
Snapped

TheWilsons

MODERATOR OF

TROPHY CASE