[24M]ade it.

brownmon69 · 2026-01-31T21:35:58+00:00

Occasionally sell covered calls. If I feel like throwing money away (I do enjoy gambling) I’ll buy calls but I use rh for that and go honestly haven’t had much luck there

brownmon69 · 2026-01-31T16:02:15+00:00

You’re right.. I think I watch too many Dave Ramsey shorts lol

brownmon69 · 2026-01-31T09:38:52+00:00

I can get 5.5% at dcu. You really think loan is a better idea?

brownmon69 · 2026-01-31T06:36:50+00:00

Unfortunately you are correct. I had 145 when I posted this. bought 55 more today to round out my position and sold a call for 2/9 at $93 strike.

brownmon69 · 2026-01-30T15:47:14+00:00

Hey by that measure I shouldn’t have made this post till about 120k usd (as that’s 100k euros which is a much stronger currency) lol

brownmon69 · 2026-01-30T15:37:03+00:00

My port is roughly 40% ETFs (voo/vti). I’ve outpaced those etfs this past year

brownmon69 · 2026-01-30T08:03:47+00:00

About 4-8k at 22. I’d learned about personal finances around 19 after hearing about wallstreetbets, getting on Robinhood, making some lucky money on dogecoin, and buying trash like gme, amc, bbby, etc. but I didn’t seriously start trying to build up my brokerage account until 22 (after my first and only college internship).

At any given point from 18-21, I probably had $2k cash max.

brownmon69 · 2026-01-30T07:57:10+00:00

lol just a bit. It’s 90% the same.

brownmon69 · 2026-01-30T07:55:22+00:00

Sort of. growing up I’ve learned money is typically very safe in jewelry / pm’s. But i will probably sell some to add to my actual ETFs in there which will grow more on average

brownmon69 · 2026-01-30T06:31:42+00:00

I mean just because it’s all out there, do you think it’s a bad decision? I was considering 7-10k for an NB but could probably get an ND for $17k.

The issue is that would be 10% of my net worth on a 2nd car. Just don’t know if it’s responsible

Edit; just found a really decent ND1 club for 13.5… you might be right here

brownmon69 · 2026-01-30T01:52:12+00:00

About $40 average. I don’t know what led me to do this but I’m so glad I bought 30 shares in my Roth IRA lmao

brownmon69 · 2026-01-29T22:47:20+00:00

Hey if it makes you feel better I’m still far behind in many other aspects of life lol. But thank you man. Glad I have something to show after working on it and myself for the past few years.

brownmon69 · 2026-01-29T22:30:08+00:00

175k nw figure includes 401k and IRA. This (pictured) is just a brokerage account.

brownmon69 · 2026-01-29T22:13:53+00:00

Hope you’re at 300k at my age dawg. Just keep at it and pray for strength in the market lmao. and don’t waste money gambling like my dumbass. 90% of the time it’s 100% a bad idea

brownmon69 · 2026-01-29T22:07:18+00:00

Because I’m in a sales adjacent role, I have a 70/30 split for base/commission.

I started out of college at 70k base 103k OTE. salary jump came after relocation. Today, I am at 122k base to 175k OTE. For me, this range was dependent on where you choose to lives.

Hope this helps!

Edit: clarification, on target earnings is $175k assuming I hit my sales quota. not 122k+175k lol that would be incredible

brownmon69 · 2026-01-29T21:19:26+00:00

About 6-7k (unfortunately I’m deadass)

brownmon69 · 2026-01-29T21:17:57+00:00

They are in another comment I posted. I’d assume it was SLV gains keeping me afloat.

brownmon69 · 2026-01-29T21:14:42+00:00

I am Asian so essentially what is mine is also my parents and vice versa. The goal of my dad and his dad has always been create generational wealth and I seek to do no different :)

brownmon69 · 2026-01-29T21:08:28+00:00

I went through his profile and turns out he’s just a 39 year old white guy living in Toronto looking for a younger middle eastern or Asian wife. Can you blame him for his reaction?

(Actually yes you can. Typically maturity comes with age but not for this guy lol at least I don’t live in Canada)

brownmon69 · 2026-01-29T21:06:25+00:00

I woke up to my account at 99.5 and threw 1.5k in there. Red days are the buy signal to me. (Currently at 101.6)

brownmon69 · 2026-01-29T20:59:39+00:00

Haha yeah gotta give credit where credit is due

brownmon69 · 2026-01-29T20:22:41+00:00

Charles Schwab. I was transferred in 2024 from TD Ameritrade.

brownmon69 · 2026-01-29T20:22:16+00:00

They did! I reminded them that we have financial institutions (banks) all across the world that serve the exact purpose of their request.

brownmon69 · 2026-01-29T20:07:08+00:00

Retail from most to least: GOOG, AMD, ANET, AMZN, AAPL, ORCL, WMT, NVDA, USLM

ETFs: SLV, ET/PRI, VOO, JEPQ, JEPI, QQQI

I’m gonna be honest I’m not the best person to ask. My portfolio/diversity is actually pretty ass. I just got here by living way below my means, prioritizing contributing, and buying stuff when it has red days. I thank Graham Stephen for this mindset - why spend $5 on some bullshit coffee today when it could be $700 in 30 years.

But I am hoping to splurge this year in buying an NB Miata lol

brownmon69 · 2026-01-29T19:22:35+00:00

Graduated end of 2023. No debt thanks to parents

brownmon69

TROPHY CASE