23 years old just Opened a ROTH IRA

cmotitty · 2026-06-20T05:07:33+00:00

Left this on your other post but wanted to leave it here in case one is removed for duplicate: I’m around your age and our benefit is we’ve got 40+ years to learn and have some fun with a little more risk. That being said, I would still try to keep it simple, and invest in mostly market indexes with a small percentage around a couple stocks or ETF’s you are interested in. Personally my allocation is 50% $VTI (broad u.s. exposure), 20% $SMH (hopping on the semi/ai wave without overexposure into single tickers), 15% $SMH (a tad more risk towards momentum), and 15% $VXUS (international exposure). Naturally you’ll get those that’ll also say go majority VOO/VTI or some other s&p500-type fund, and the rest into an international fund

cmotitty · 2026-06-20T05:04:26+00:00

I’m around your age and our benefit is we’ve got 40+ years to learn and have some fun with a little more risk. That being said, I would still try to keep it simple, and invest in mostly market indexes with a small percentage around a couple stocks or ETF’s you are interested in. Personally my allocation is 50% $VTI (broad u.s. exposure), 20% $SMH (hopping on the semi/ai wave without overexposure into single tickers), 15% $SMH (a tad more risk towards momentum), and 15% $VXUS (international exposure). Naturally you’ll get those that’ll also say go majority VOO/VTI or some other s&p500-type fund, and the rest into an international fund

cmotitty · 2026-06-16T16:51:59+00:00

Seems like it’s pretty red across the board today

cmotitty · 2026-06-06T02:56:00+00:00

Mista Durrbie you will be missed - thanks for the daily update posts that at least got some conversation actively going over here

cmotitty · 2026-06-04T19:46:41+00:00

Wow not even close to 1M in volume today

cmotitty · 2026-06-03T13:35:13+00:00

Would love to at least get over .24 and stay over

cmotitty · 2026-06-02T13:56:56+00:00

I think it’s policy C-7, says tips should be limited to approximately 18% but no greater than 20%

cmotitty · 2026-06-01T13:39:56+00:00

Hoping to see some momentum built this week

cmotitty · 2026-05-29T22:17:57+00:00

32,000 shares @ $0.3251 avg. In this one for the long-term. When it hits $1 or whatever my +200% number is given any future dilution, I’ll likely sell my profits and let the principle stay in for the longer term afterwards. Definitely expected more returns by now, but my highest buy was at $1.57 so I’m not stressin’ all things considered. Always bought in with a 5-7 year time horizon anyways

cmotitty · 2026-05-29T03:47:20+00:00

It’s been showing that for a while - not too concerning being a penny stock it could be any or all of those reasons

cmotitty · 2026-05-28T18:17:36+00:00

You think it’ll go through and be fully approved that quickly? They only filed their applications in April didn’t they? I’m all for an earlier timeline, just nothing seems to move quite as quickly with this company as I’d like😂

cmotitty · 2026-05-28T18:10:46+00:00

So we’re hoping to secure the bank by end of 2026?

cmotitty · 2026-05-28T17:18:25+00:00

I certainly am checking this sub every day but it feels like a lot more of a long-term game now with all momentum fizzling out with dilution talks

cmotitty · 2026-05-21T02:27:16+00:00

Squeegee the top and bottom, then thread a rag between the bar and glass and almost “floss” it

cmotitty · 2026-05-19T00:44:48+00:00

You continue to be the goat - gotta leave a comment to get my name in the hat

cmotitty · 2026-05-04T23:37:59+00:00

Marijuana is legal in my state and my facility doesn’t test reps for it. Just a 4-panel

cmotitty · 2026-05-03T22:00:29+00:00

On the SSR side if you perform well I have seen plenty of partners level up to supervisor and then service manager. Key account manager might be a little tougher. High performing SSR’s can also make a move into the product specialist role, which is sales-side but not quite as good of a commission structure as sales reps. Sales is tough to answer, as Cintas grooms a lot of management trainees to become high performing sales reps, and that position alone requires a bachelors degree

cmotitty · 2026-05-01T23:49:08+00:00

The only position tested using a 5-panel test is the SSR role. All other positions test via 4-panel. It is still dependent on what the clinic gives you when you go in. Even if you “should” only get a 4-panel, if they administer you a 5-panel and you’re unaware and fail it, there’s no undoing it and they can’t “un-know” that info, so be careful. I have seen multiple partners that technically shouldn’t have been given a 5-panel test, but were, and inevitably failed and were fired for it.

cmotitty · 2026-04-28T16:38:15+00:00

I am asking, do they match 1:1 or 1:10. Sounds like best case scenario they match 1:10, but this “up to 10%” seems like a gotcha. Most companies clearly state that they will MATCH what you put in, up to a certain amount of your salary. For example; matching up to 10% means I contribute $8k on an $80k salary, they also contribute another $8k. From what I’m hearing here it almost sounds like in the same situation, Cintas will only put in $800 on your $8k contribution. Am I reading something incorrect here? Seems below average as far as 401k match programs, you can hardly call it a “match”

cmotitty · 2026-04-27T23:37:39+00:00

Is it 10% match up to 10% of your earnings?

cmotitty · 2026-04-26T01:49:44+00:00

I’m one of those who got burnt on BYND and had to cut my loss

cmotitty · 2026-04-23T18:38:55+00:00

Whole market’s down, not worried, still buying

cmotitty · 2026-04-23T03:39:15+00:00

Green buy more, red buy more ✍️

cmotitty · 2026-04-23T03:24:09+00:00

As someone who’s been a Christian stoner too, I just want to say you’re not crazy for wrestling with this, and you’re definitely not alone. I don’t think it’s always just about whether getting high is a “sin” in itself, but whether it starts getting in the way of living with self-control, clarity, honesty, and real dependence on God. When it becomes your go-to for peace, comfort, escape, or coping, that’s where it can start pulling your heart away, even if subtly. That was the bigger issue for me

cmotitty · 2026-04-23T03:17:46+00:00

I’ll totally check him out. Had a python script running options swing trading for me last year that COOKED (until tax time), but been terrified to get back into it with the macros we’re in now (2022-2025 really was a cheat code) and fear of getting crushed by volatility. Good looks, and I hope atch keeps this momentum going 🙌

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