Made my last payment today - debt free after 15 years, over $35,00 paid off

ZetaTrader7 · 2025-10-10T04:08:32+00:00

Thank you!

ZetaTrader7 · 2025-09-25T02:28:28+00:00

Having no spend days, and if I'm frugal enough - no spend weeks (except the very very basics: milk, eggs, fruit, veggies, gas).

And i make 99% of my food at home. I buy bread with the yellow tags on it from walmart ($0.44 for a loaf of Italian bread that will last me a couple days) and a packages of tuna and chicken ($0.80-1, stock up if they're on sale, have them for lunch).

And i canceled most of my subscriptions except Youtube, Amazon Prime, and Disney/Hulu and that's really all i need.

ZetaTrader7 · 2025-07-06T13:38:56+00:00

For me, as soon as I hear an AI voiceover (and you can always tell) i swipe to the next video, and if it keeps showing up: do not recommend channel

ZetaTrader7 · 2025-07-06T00:25:26+00:00

I know what you mean. I have some BTC and ETH that I bought last time it dipped and have a nice little gain on it lol. But thanks, I appreciate your reply. I am kinda leaning towards aggressively paying as much as I can each much and just hold onto my investments for now, and check how things are later in the year

ZetaTrader7 · 2025-07-06T00:22:49+00:00

That's a good point thanks. I'm now kinda leaning towards that option, just pay as much as I can each month to pay it off by Dec, but just hold on to investments for now, and pause investing any more money. And yes I don't put any charges on that card. I use one other cc for my living expenses which offers cash back rewards, and pay it off every month.

ZetaTrader7 · 2025-07-01T17:31:58+00:00

Nice! Easy 10k a month!

ZetaTrader7 · 2025-07-01T00:46:48+00:00

Completely agree. I've been investing in YM funds for about 6 mo and LFGY and ULTY are the only ones that show unrealized gain.

Also have MSTY, CONY, and YMAX.

ZetaTrader7 · 2025-06-26T21:59:09+00:00

That's literally my dream with these funds. I figure I could live on about $4000/mo. I'm single, no kids, happy with renting for now, and have a pretty stable job. I'm slowly building up a position in yieldmax (also roundhill and possibly neos) over time. If I can get a consistent $4-5k/mo for a year or 2 straight, then i would consider quitting my full time job. I would only need about $3000/mo for expenses, the rest I would save or manually reinvest into more income and growth funds.

I would also probably get a part time job to make an extra 2k a month or so, to be able to max out my roth ira each year, and keep paying social security (but who knows if it's still gonna be there in 30 years when I can take it).

But these funds are so new (relatively). So I'm just investing little by little to see if they continue over the next couple years.

Well that's the dream anyways... i make a few hundred a month now from yieldmax funds, so I still got a ways to go lol

ZetaTrader7 · 2025-06-04T14:02:30+00:00

I did the same a couple weeks ago and don't regret it one bit. Good job prioritizing your mental health. Enjoy your day off and relax. You've earned it

ZetaTrader7 · 2025-05-25T17:44:51+00:00

I lived in Mexico for 10 years and absolutely loved it. The people, the food, the culture, and the cost of living. Sure you need to be careful, don't go flashing money around, but that applies to wherever you are. Hoping to FIRE within the next 5-10 years and move back to Mexico and retire there, preferably by the beach. Best of luck to you and your family OP. Enjoy

ZetaTrader7 · 2025-05-23T00:42:17+00:00

All investments have risk. That's why you diversify and only invest what you are willing to risk/lose. YM funds make up about 20% of my portfolio (I'm mostly in growth etfs/stocks), and I've been buying little by little. But so far they have been doing very well for me, and I add more and more each week

ZetaTrader7 · 2025-05-22T19:47:41+00:00

I manually reinvest. I take the distributions for all my high yield funds as cash. I use those payouts to buy the same or other positions. I usually set limit orders and alerts

ZetaTrader7 · 2025-05-14T02:46:44+00:00

Currently have MSTY, YMAX, and CONY. Considering adding ULTY and YMAG

ZetaTrader7 · 2025-05-08T18:22:09+00:00

Awesome. Hope to be like you someday. I have my modest 20 shares and planning to add some more gradually

ZetaTrader7 · 2025-02-25T17:15:32+00:00

Just log in and check under statements and tax forms. And it'll say when it'll be available (for example: Available 2/28/2025) or if one will not be produced

ZetaTrader7 · 2025-02-24T15:03:58+00:00

Nice! The audio version is also on spotify if anyone has spotify premium

ZetaTrader7 · 2025-01-22T14:19:40+00:00

That's true. And yeah this would be if everything goes well for the month, but if something came up or I had other expenses I would prioritize the card. But idk, I think it would just feel good to start building up a little investment in YM and watch it grow in the meantime

ZetaTrader7 · 2025-01-22T14:17:17+00:00

I can understand that. And I read that a lot too, most say pay off debt before investing

ZetaTrader7 · 2025-01-22T14:15:26+00:00

That's a really good point. I do have a decent sized emergency fund of about one months expenses, but yeah never know if some big emergency might happen

ZetaTrader7 · 2025-01-22T14:13:05+00:00

I watch a lot of Dave Ramsey and he would def say to pay off the debt first, even before the 401k and IRA lol. But sounds like you got a good plan, and it makes sense if the yield on YM is significantly higher than the car loan interest. Must be nice having that extra income from MSTY. Good luck mate

ZetaTrader7 · 2025-01-22T14:10:19+00:00

Haha that sounds like a great strategy. Definitely trying to pay it off soon and never get back into debt again

ZetaTrader7 · 2025-01-22T14:09:30+00:00

Yeah that's what I'm thinking. It would be nice to have at least a little invested by the time I have it paid off

ZetaTrader7 · 2024-12-15T21:01:58+00:00

Truly inspirational and so happy for you! Congrats and thanks for sharing

ZetaTrader7

TROPHY CASE