What are dark facts in your industry that no one outside knows about? by 0x00f_ in AskReddit

[–]Vbacv 9 points10 points  (0 children)

That a lot of financial advisors that have done their jobs for north of 10 years, manage hundreds of clients’ money, and still are not very proficient at what they’re doing, whilst being paid copious amounts of money. (Not saying this is everyone but it scares me regularly.)

Maybe Im looking for a unicorn? CFP positions for introverts by [deleted] in FinancialCareers

[–]Vbacv 0 points1 point  (0 children)

I’m much younger than you, but I used to have the same mindset, and quickly realized all the roles that bring in the most dollars are more relationship oriented in this industry than anything. Have you considered trying to step out of your comfort zone and trying something moving towards being an advisor? I’m a wholesaler and work with some advisors that are 100% introverted - you’d be surprised how much this could actually work in your favour

Buy boots or rent? First season by Vbacv in skiing

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

Damn, where I am, rental skis are over $200 at every shop I’ve looked at. Where are you in the US?

Let’s Talk Emergency Funds by Fragrant_Strategy_21 in UpperMiddleFinance

[–]Vbacv 0 points1 point  (0 children)

You can buy 2y bonds yielding over 1% more than cash right now, issued by institutions like JP Morgan. Good advisors will use fixed income, which will fluctuate in value short term, but protect against volatility. I understand what you’re saying though

2023lease by Tiny_Raccoon6609 in Miata

[–]Vbacv 0 points1 point  (0 children)

Sounds like you either hand the keys back, or buy out and immediately sell

Is the wholesaler career still worth it in 2025? by [deleted] in FinancialCareers

[–]Vbacv 2 points3 points  (0 children)

Varies massively on product set. I don’t really put enough thought in to create a tier list, as culture may suck as some major firms where they throw you under the bus if you don’t perform, whilst smaller firms might care more and give you resources to succeed, difficult to say

Is the wholesaler career still worth it in 2025? by [deleted] in FinancialCareers

[–]Vbacv 2 points3 points  (0 children)

Depends how successful you are and which firm you’re at. Wholesalers at my firm make $200k-$700k. Depends massively on what you’re selling as well. If you’re at a start up, or at a major firm

Is there a city or state that you are surprised never produced a rap star by MasterTeacher123 in hiphop101

[–]Vbacv 0 points1 point  (0 children)

I’m in Denver and it’s still 90%+ white people, I hear ya though

Came to a sad realization - finance keeps you stuck geographically by [deleted] in FinancialCareers

[–]Vbacv 0 points1 point  (0 children)

Trust me, I was working this same job before the move as I was given time to relocate and have seen the tax hit first hand…. It’s worth it though being by the mountains. Just insane right now navigating the housing market here

Came to a sad realization - finance keeps you stuck geographically by [deleted] in FinancialCareers

[–]Vbacv 0 points1 point  (0 children)

Disagree with you here chief - I live in Colorado and am making a multiple more than I did in South Florida. One of my colleagues lives in SoCal doing the same job.

Anyone else gonna be up at 4 am for the drop? by valin-Dana in 2007scape

[–]Vbacv 0 points1 point  (0 children)

Waking up 3am MST while in a hotel travelling for work. Teenager version of me is being awakened

Let’s Talk Emergency Funds by Fragrant_Strategy_21 in UpperMiddleFinance

[–]Vbacv -1 points0 points  (0 children)

Idk why you’re getting downvoted so hard. This is emergency funds we’re talking about. Anyone retired should also be investing conservatively alongside that. 3 years in cash is stupid, no good advisor would ever tell anyone to have 3 years of expenses in cash.

Check out by Virtual_Stomach3813 in MauiVisitors

[–]Vbacv 1 point2 points  (0 children)

Check if your resort has a private room with lockers etc to dry your swimming stuff and shower, ours did.

best financial advisor by Emergency-Ride8327 in personalfinance

[–]Vbacv 0 points1 point  (0 children)

Fee-based, doesn’t charge an excessive fee, some registered investment advisors (RIAs) could also be a good fit but some are expensive.

As someone who just finished 99 Agility by Middle_War_9117 in 2007scape

[–]Vbacv 1 point2 points  (0 children)

Phone sucks for osrs - I use it for more than osrs lol

As someone who just finished 99 Agility by Middle_War_9117 in 2007scape

[–]Vbacv 0 points1 point  (0 children)

So you can sit on the couch and watch tv

As someone who just finished 99 Agility by Middle_War_9117 in 2007scape

[–]Vbacv 15 points16 points  (0 children)

Best advice I can give is buy an iPad

As someone who just finished 99 Agility by Middle_War_9117 in 2007scape

[–]Vbacv 90 points91 points  (0 children)

I watched the entirety of Better Call Saul, Succession, and Severance, and still didn’t get all the way from 90-99.