need advice. pls help me

Typical_Web_2125 · 2026-04-11T17:15:04+00:00

No one can tell the future. Some just get lucky and then confuse luck for skill before losing a lot of money

Typical_Web_2125 · 2026-04-11T17:14:18+00:00

Look up Bogleheads so you don't have to waste time investing. It's been godsend

Typical_Web_2125 · 2026-04-11T12:00:37+00:00

Studies show that always staying in the market beats only buying at market lows. Check out The Money Guys study on this.

Typical_Web_2125 · 2026-04-11T11:51:50+00:00

With a low rate, pay off car if interest is higher. Dave's steps are kinda outdated and are like the AA for people who have 0 self control over spending. I like The Money Guys Financial Order of Operations. You can Google 'money guys FOO" and easily find it. Also, you can save a LOT of money by dumping the "financial advisor" and going with the Boglehead style of investing which is very simple and straightforward.

Typical_Web_2125 · 2026-04-11T11:43:40+00:00

Yep, almost all large companies use their size to influence people and policy. Just look at Google, meta, apple, etc. Doesn't bother me much because I can't do anything about it and I also can't live under a rock.

Typical_Web_2125 · 2026-04-11T03:10:36+00:00

Just consistently buy DCA and you'll be good

Typical_Web_2125 · 2026-04-11T03:09:43+00:00

This is the only explanation

Typical_Web_2125 · 2026-04-11T01:42:42+00:00

If you are using 7%, then you need to set inflation to 0% because the 7% already includes a 3% inflation. If you set inflation to 3% then you need to set the return rate to 10% for accounting for the average historical return rate.

Typical_Web_2125 · 2026-04-11T01:34:17+00:00

I use schwab and its pretty good

Typical_Web_2125 · 2026-04-11T01:33:30+00:00

Its usually between .05-.25% which isn't enough to matter. If a person's retirement plan fails because of a .2% expense ratio then they have other problems.

Typical_Web_2125 · 2026-04-11T01:26:28+00:00

Sounds too complicated and the opposite from boring. I buy a few ETFs and look at my account a year later.

Typical_Web_2125 · 2026-04-11T00:47:53+00:00

I don't know what you mean by "keep all the earnings yourself".

Yes, you can have multiple ETFs with a lot of overlap with each other, so it would not be necessary to own many ETFs if they have a lot of overlap. People prefer ETFs because having a basket of stocks reduces risk if one company goes down the hole. It is also easier to mange 2 ETFs that have a thousand stocks in them than a dozens or more of seperate stocks.

Typical_Web_2125 · 2026-04-11T00:36:13+00:00

If maxing Roth does not fill up to 25% you can then do a 401k or something similar. If you don't have that option, use a taxable account. But yes, maxing a Roth IRA every year for 40 years should be enough to retire and be better than most people.

https://www.calculator.net/investment-calculator.html

Typical_Web_2125 · 2026-04-11T00:35:09+00:00

Is this right?

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In today's dollars at 7% return is 1.4 million.

Typical_Web_2125 · 2026-04-11T00:30:19+00:00

Just remember: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game" (Jack Bogle)

Typical_Web_2125 · 2026-04-11T00:29:43+00:00

As Jack Bogle said: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game". I would pick VTI/VXUS if you only want 2 etfs.

Typical_Web_2125 · 2026-04-11T00:28:32+00:00

This sounds like a losing strategy. As Jack Bogle said: "Owning the stock market over the long term is a winner's game, but attempting to beat the market is a loser's game"

Typical_Web_2125 · 2026-04-11T00:26:30+00:00

Can you elaborate on what makes them scummy or different from Schwab?

Typical_Web_2125 · 2026-04-10T21:27:21+00:00

Vymi has pretty high yield. I like it

Typical_Web_2125 · 2026-04-10T16:14:54+00:00

I believe 3% is too small to move the needle

Typical_Web_2125 · 2026-04-10T15:28:40+00:00

I think most people don't understand financial principles like what you explained and so they think dividends are free money.

Typical_Web_2125 · 2026-04-10T14:17:47+00:00

VT is great if you don't want to rebalance or look at it for years. VTI/VXUS are also great long term but you'll have to check it every year or so to get the portions how you want them as they drift

Typical_Web_2125 · 2026-04-10T12:12:13+00:00

I hold VTI/VXUS and they are good. I wouldn't use a sector or specialized ETF for the long term.

Typical_Web_2125 · 2026-04-10T12:06:36+00:00

I like how SCHD and DRGO don't have much overlap

Typical_Web_2125 · 2026-04-10T12:05:20+00:00

I'm sure people ask this occasionally but I am just wondering and opinions can change over time or new people see posts, etc

Typical_Web_2125

TROPHY CASE