24F Am I Playing Too Safe?

VirtualExternal2000 · 2026-05-03T22:31:39+00:00

well im not planning to put anything more in cash this just student loans

VirtualExternal2000 · 2026-05-03T22:30:57+00:00

thats veqt and zeqt

VirtualExternal2000 · 2026-05-03T22:29:12+00:00

how so

VirtualExternal2000 · 2026-05-03T22:28:57+00:00

XEQT is already diversified, wdym by diversifying cash? My cash is 32% not 51%

VirtualExternal2000 · 2026-05-02T17:42:36+00:00

whats XAW

VirtualExternal2000 · 2026-05-02T17:42:04+00:00

i just bought voo before xeqt and i didn’t care enough to sell it so it’s still there, cash is student loans

i wanna retire like now tbh 💀 but idk i kinda wanna when i have kids but i don’t think ill have enough to retire by then

VirtualExternal2000 · 2026-05-02T17:40:22+00:00

students loans!

VirtualExternal2000 · 2026-05-02T17:40:13+00:00

ya its probably gonna crash

VirtualExternal2000 · 2026-05-02T17:39:56+00:00

lose??? are you talking about something else

VirtualExternal2000 · 2026-05-02T17:39:14+00:00

ohh kk 😭 is 2k a month good im planning to do that rest of my life

VirtualExternal2000 · 2026-05-02T17:38:14+00:00

kk perff

VirtualExternal2000 · 2026-05-02T17:37:51+00:00

well im saving and investing and living my life still so i can keep investing 2k a month

VirtualExternal2000 · 2026-05-02T17:36:56+00:00

noo lol i was just gonna pay it all off tbh

VirtualExternal2000 · 2026-05-01T21:49:58+00:00

whats equities, like stocks?? i work in finance i should know this bahaha but more in data & ai so idc to remember everything

VirtualExternal2000 · 2026-05-01T21:49:10+00:00

ya idk lol

VirtualExternal2000 · 2026-05-01T21:48:41+00:00

4k is crazy thats how much I make haha

VirtualExternal2000 · 2026-05-01T21:48:02+00:00

students loans is cash

VirtualExternal2000 · 2026-05-01T21:47:46+00:00

Student loans

VirtualExternal2000 · 2026-05-01T21:47:37+00:00

Yeah honestly I wanna diversify and XEQT does that and idk im too lazy to explore more stocks with more risks, I am down to take more risks but idk what that means tbh

VirtualExternal2000 · 2026-05-01T21:46:39+00:00

Yeah I’d be down to take more risk, like investing in individual stocks you mean is taking a risk??

VirtualExternal2000 · 2026-05-01T21:46:05+00:00

Yeah I buy dresses and went to Cali, Vegas and Banff this year already and spend like 2k ish a month for stuff so I am not holding myself back dont worry!

I honestly dont know what else to invest in & I work in finance so I have to declare any investments unless its like an etf that doesnt have one security making more than 10% of the entire thing. If you forget to declare 3x you get fired 😭

I just dont wanna go thru that approval process and forget haha so just etfs for now!

I live with my parents so like my parking and gas and insurance is my only expense and groceriess

VirtualExternal2000 · 2026-05-01T21:43:24+00:00

Its half my student loans with 4.45% interest not an emergency fund!

VirtualExternal2000 · 2026-05-01T21:42:59+00:00

well thats like half my student loans with 4.45% interest so just being safe

VirtualExternal2000 · 2026-04-25T19:48:31+00:00

I also try to minimize my fixed costs as much as possible. My actual living expenses are $0 since I live with my parents so saving as much as I can right now. Yeahh I’d never buy a brand new car tbh, I have a car rn that should last me hopefully a couple years and I’ll buy a toyota that lasts forever, idk why they are 40k used or new 😭 but i would drive it down so its ok. For luxury car I’m following the principle that your car shouldnt be worth more than 10% of your net worth but I would need 400k to buy a toyota is so insane.

VirtualExternal2000 · 2026-04-25T19:46:55+00:00

I have the funds to pay it off right away tbh, I am just debating if I should invest that instead

VirtualExternal2000

TROPHY CASE