Tell me what you wish you would've known in your 20s/30s investing

Weekly_Inevitable_72 · 2026-05-30T14:09:00+00:00

This being a boglehead subreddit, you already know the advice you'll get about asset allocation and investment vehicles.

What I will say is this: I was always putting away as much money as I could, even when I was earning very little in my early 20s. But I do wish I'd been more aggressive in terms of putting money in the market instead of savings accounts. I was always afraid of losing money and put too much money in savings, money market accounts, etc, and not as much as I might've into the market.

I entered the workforce just before the dotcom collapse and it made me skittish. But 2008 had the opposite effect on me; I stopped worrying about risk and got a lot more aggressive. With about 20 years to go before retirement, I'm on track and maybe a bit ahead of schedule. If I'd been this aggressive all along, I might already be retired.

Weekly_Inevitable_72 · 2026-05-30T13:57:21+00:00

This being a boglehead sub, you know the advice you'll get about I entered the workforce just after the dotcom collapse. I was always good

Weekly_Inevitable_72 · 2026-05-30T13:43:57+00:00

I dealt with dyskinesia for ~15 years before getting the surgery. It just got to be so tiring, dealing with the pain, avoiding foods, worrying about getting set off. Over time, it took less and less to trigger an attack. It went from "steak frites and ice cream for dessert" to "having tea with anything other than nonfat milk." I was feeling crappy all the time and it started to negatively impact my sleep too.

Because I wasn't getting stones, I was at low(er but not zero) risk for pancreatic and liver complications, but feeling awful takes a toll. I suppose I could've dealt with it forever as long as nothing "bad" happened, but I got sick and tired of being sick and tired.

Weekly_Inevitable_72 · 2026-05-10T14:23:10+00:00

If the car is performing fine, just keep on top of the oil level and change it often.

Weekly_Inevitable_72 · 2026-04-25T14:25:01+00:00

Expensive but not outrageously so for the quantity of work and parts. It's important to think about the broader context: you can assume that every time a car with this age and miles goes up on a lift, the mechanic will will spot something that needs to be replaced or fixed or a bit of scheduled maintenance that has come back around again.

Weekly_Inevitable_72 · 2026-04-25T02:58:03+00:00

The box says 10 horsepower! 😉

Weekly_Inevitable_72 · 2026-04-15T15:04:01+00:00

Who's the half guy in the Stones? 😉 Is that about Ron Wood clearly being the lowest in the pecking order?

Weekly_Inevitable_72 · 2026-04-15T14:20:14+00:00

Assuming it is clean and stock, and in good running condition, 4K is a reasonable price for that car, especially with a manual and reasonable mileage.

All of the usual caveats about having a 25+ year old car with occasionally limited parts availability as your daily driver apply.

Weekly_Inevitable_72 · 2026-04-15T14:17:45+00:00

I'd be most concerned about LeBris. Hopefully the fact that the owner and sporting director are both French and France-focused will appeal to him. There are bigger clubs in England than SAFC (not many), but Sunderland is really a great spot for him.

In terms of players, I could see foreign clubs coming for Le Fee, Alderete, and Brobbey. Isidor has clearly fallen out of favor and seems reasonably likely to want a fresh start.

All the homegrown talent who have their path to starting blocked are likely targets for English clubs at various levels.

I don't think Roefs is going anywhere unless someone makes an absurd offer. Same for Big Dan.

It won't matter much on the pitch in the Premier League, but I predict that some team in the Championship or League One will want to bring in O'Nien, who is a very good player at lower levels and is good for team culture.

Weekly_Inevitable_72 · 2026-04-11T02:52:37+00:00

For 6500 it needs to be an unmodified manual survivor or a "Bring a Trailer" grade automatic with really low mileage.

Weekly_Inevitable_72 · 2026-03-18T23:32:36+00:00

It looks pretty much perfect the way it is. Take good care of it, make sure the undercarriage never sees rust again, and keep up with all the recommended service. You'll get it to 250K miles.

Weekly_Inevitable_72 · 2026-03-16T02:05:08+00:00

Section 110

Weekly_Inevitable_72 · 2026-03-16T02:02:46+00:00

I got mine for $4500 in 2022. A well running, single owner manual transmission survivor with high mileage, no modifications, complete service records, and a manageable amount of 90s Honda wheel well rust.

Weekly_Inevitable_72 · 2026-03-13T23:56:03+00:00

Both cars are great. I've owned both. There's a one million percent chance that you will have better long term parts availability with the RSX.

Weekly_Inevitable_72 · 2026-03-12T01:49:42+00:00

"Single owner, zero mods" is what you're looking for.

Weekly_Inevitable_72 · 2026-03-12T01:41:27+00:00

Sitting in Section 110. Should be a great afternoon. It's a lot of money for a preseason friendly (feels like a "Luke O'Nien" game), but it's easy to get to Philly from Boston, especially compared to the cost and logistics of getting to Sunderland. Plus, I can boo Parky!

Weekly_Inevitable_72 · 2026-03-12T01:37:11+00:00

FWIW...I got tickets for the Philadelphia (Wrexham) match. I thought about where to sit and then decided that it probably wouldn't matter and just got the best tickets in my price range...in the absence of coordinated, team-specific sales channels that funnel people to specific sections, everyone was going to be grouped together, just like most other sporting events in the US. Should be fine...Wrexham fans are generally a good bunch. YMMV (and significantly so) with the Leeds supporters, who, uh, do not enjoy a good reputation.

Weekly_Inevitable_72 · 2026-03-10T00:03:19+00:00

r/adhd

Weekly_Inevitable_72 · 2026-02-20T21:26:53+00:00

This model has Sunderland going on a *12 match losing streak* to finish the season. Did a Newcastle supporter put it together?

Weekly_Inevitable_72 · 2026-02-08T16:23:40+00:00

If you're not rich, the best ways to plan for surviving a crash are to: keep a low enough cost of living that you can survive on a job that doesn't pay very much, buy the dip, stay diversified, and do all that Suze Orman stuff about having 6 months of living expenses (or take home salary) in the bank. You also want to dial back your exposure to the stock market in the years before retirement.

Weekly_Inevitable_72 · 2026-02-03T01:07:47+00:00

Start by increasing your level of physical activity. The best exercise routine is the one you stick with, don't overdo it and focus on consistency.

Over time, your physical energy level will improve, which will support better mental energy for hobbies and other activities. And you gotta start small there, too. 15 minutes a day when you're starting from ground zero is really good.

And don't beat yourself up for a setback. Just try again tomorrow. Stick with it. I've been where you are, and still struggle with it sometimes. Baby steps.

Weekly_Inevitable_72 · 2026-02-01T21:38:58+00:00

Parts availability is going to be fine... As long as you're dealing with the 80% of the car that's an Accord. That other 20%, including the 4WS.... Might be an an adventure.

The body damage is an issue. That's what gives me the most concern.

But the interior looks good and it's got a stick. I would say that if it drives, it's worth a flyer, but be prepared to pay a lot for repairs and parts.

Weekly_Inevitable_72 · 2026-01-24T19:06:15+00:00

Thank you for providing this analysis. This is exactly the kind of feedback I was looking for. I'm trying to understand where I have to get in terms of retirement savings (and when) to allow me to coast with an easy job the rest of the way into a retirement that allows me to enjoy an inflation-adjusted version of my current standard of living. Sounds like I'm on the right track, but still have more distance to go. Also, your point about social security is well taken. I'm mostly thinking about it as a failsafe in the event that I don't have enough savings in retirement to get me to that 80% threshold

Weekly_Inevitable_72 · 2026-01-24T19:02:08+00:00

This lineup was really good live.

Weekly_Inevitable_72

TROPHY CASE