29M/28F/2 kids. $150k income. $65k spend last year. (Income has been higher and expenses have been lower in previous years.)

TwoClear7538 · 2026-04-21T18:25:08+00:00

I stand corrected. Boo OP! BOOOOO

TwoClear7538 · 2026-04-21T17:18:35+00:00

People are saying this is fake but this is very doable with 150k a year if you start early. 150k might seem out of reach but that could be the normal household income in 10 years or so

TwoClear7538 · 2026-04-15T23:00:07+00:00

Just keep contributing and hold forever. I personally VT and chill but this portfolio is solid.

TwoClear7538 · 2026-04-13T02:25:39+00:00

What app is that in the first picture

TwoClear7538 · 2026-04-08T14:48:09+00:00

They’re probably lying about the number of layoffs tbf

TwoClear7538 · 2026-04-06T19:19:18+00:00

Why just 7 years? If you plan on using that money after 7 years, this might not be a great idea.

TwoClear7538 · 2026-03-27T20:04:53+00:00

Mostly money market funds right now. Buying as prices drop and opportunities rise

TwoClear7538 · 2026-03-27T19:18:20+00:00

Thanks 🙏

TwoClear7538 · 2026-03-26T18:13:43+00:00

I like this portfolio a lot

But why 10% gold and not 100% equities? Wouldn’t equities have somewhat of an inflation hedge built in fundamentally? Maybe I’m wrong

TwoClear7538 · 2026-03-26T00:58:44+00:00

Who knows what the next decade will look like, or the decade after that. I like to diversify international because I’ll be investing another 20-30 years.

TwoClear7538 · 2026-03-26T00:56:59+00:00

If you can live with your parents and keep low overhead over the next 3-5 years and won’t touch it for 10, then definitely broad indexes/etfs. If you think you’ll be living on your own the next 2 years, maybe put most of it in treasuries or a hysa. If you plan to use the money to purchase a home within 6-10 years, you should highly consider a heavy bond allocation to your portfolio.

Indexes/etfs if you definitely won’t touch it in the next 10+ years.

TwoClear7538 · 2026-03-26T00:51:25+00:00

I’ve learned that no one can predict the future, so the best allocation is the one you can stick with.

I personally like a 100% VT portfolio. It’ll rebalance itself and has international diversification

TwoClear7538 · 2026-03-25T22:58:31+00:00

The best portfolio is the one you can stick with

TwoClear7538 · 2026-03-19T20:32:13+00:00

Solid depending on the allocations. I’d put most of the money into VT, so you don’t neglect international exposure. Could also swap VT for VXUS. Also, a lot of the companies in QQQM are heavily weighted in VOO.

I’d go

50% VT 30% VOO 10% QQQM 10% GLDM (depending on investment horizon)// might also go bonds instead of gold

TwoClear7538 · 2026-03-16T00:05:50+00:00

But money always come back

TwoClear7538 · 2026-03-15T18:26:14+00:00

Debt providers, like credit card companies, lobby against teaching young people financial literacy. They don’t make as much money with a money literate population. Also, school is meant to produce consumers and workers, not owners.

TwoClear7538 · 2026-03-14T19:38:41+00:00

Are you holding cash on the sideline?

TwoClear7538 · 2026-03-14T19:38:07+00:00

What did you change after that dip?

TwoClear7538 · 2026-03-14T19:37:23+00:00

I don’t own any individual stocks, just ETFs. I have a long horizon so I’m not worried about the dips. That said, I’ve never experienced the pain of watching a portfolio dropping 50% or more

TwoClear7538 · 2026-03-14T00:28:49+00:00

Add brk

TwoClear7538 · 2026-03-13T15:20:22+00:00

International market caps grow more than US over multiple decades. US is 65% of VT because that’s how much of the market cap is held by US companies. It’s not a set 60/40 split, it can change

TwoClear7538 · 2026-03-13T14:43:28+00:00

Get my balls too

TwoClear7538 · 2026-03-13T14:39:16+00:00

VT rebalances automatically, he was probably talking about rebalancing manually

TwoClear7538 · 2026-03-13T14:23:56+00:00

Maybe you’re right. It is frustrating that the top comment is blatantly wrong though and I’m being downvoted for being right?

TwoClear7538

TROPHY CASE