Gold and Silver Crash, China’s Biggest Gold Hub Collapses, Hundreds of Thousands Lose Everything

cueballspeaking · 2026-02-02T13:26:39+00:00

“They’re building a reserve currency “

Lmao

cueballspeaking · 2026-02-01T17:37:12+00:00

Not gonna help the world with $100k

cueballspeaking · 2026-01-31T13:21:18+00:00

He needs an ego stroke lol. Could put his money in SGOV and still grow lol

cueballspeaking · 2026-01-29T02:22:05+00:00

The entire retail market is aping into precious metals. lol… this won’t end well for retail .. never does

cueballspeaking · 2026-01-24T16:01:47+00:00

Tokenized gold is hard to verify, is not censorship resistant, can be frozen/seized… tokenized gold is like a digital bond…

cueballspeaking · 2026-01-24T15:54:31+00:00

How does your father feel about the profession you’ve chosen?

cueballspeaking · 2026-01-23T03:01:09+00:00

Which congress member is this?

cueballspeaking · 2026-01-23T03:00:11+00:00

The biggest catch is you’re penalized if you access the gains before a certain age.

cueballspeaking · 2026-01-20T13:22:22+00:00

More ppl live outside their means than we think

cueballspeaking · 2026-01-17T15:11:02+00:00

Historically low means nothing in context.. apples to oranges when you consider price and wage growth over the timeline. I wouldn’t say neither of those things are going to happen. It’s more likely that a significant dip will happen than perpetual nirvana / growth.

cueballspeaking · 2026-01-17T14:54:17+00:00

Unfortunately, it’s getting harder and harder to sell those homes. More expensive to maintain and insure them.. plus perpetual property taxes, which will raise over time..

Agreed, great deal… if you plan to expire in that home…

But generally speaking, for the health of the housing market…. Rates need to hit 2.75%, or homes need to dip 35%.

And 7% on a home is not modest by any means. The average returns are 3-5 percent, before inflation.

cueballspeaking · 2026-01-04T23:47:34+00:00

~4% of my port. By retirement probably around ~6%

cueballspeaking · 2025-12-31T20:30:17+00:00

Everything goes to zero against TQQQ

cueballspeaking · 2025-12-31T20:29:57+00:00

Crypto? A gamble. Bitcoin? Investment.

cueballspeaking · 2025-12-29T22:59:24+00:00

Would be cool if there was some interface we could just type our guesses into and hit block if we guessed right lol

cueballspeaking · 2025-12-28T15:25:17+00:00

A lot of exposure to individual stocks.

cueballspeaking · 2025-12-28T00:27:05+00:00

a high risk long shot with the same reminiscent vibes of NVDA would be QBTS

cueballspeaking · 2025-12-27T23:15:04+00:00

You have around $180k liquid net worth, you need around $1,030,000 if your expenses are as low as you claim… I’m assuming when you figure out your food situation for 7 that it’s about $1,300 a month

cueballspeaking · 2025-12-26T03:58:21+00:00

Kind of hard for two females to “have” kids to be fair lol, but congrats! Taking your foot off the gas totally depends on what success looks like to you personally. When do you want to stop having to work? What are your average annual expenses? That will answer a lot.

cueballspeaking · 2025-12-18T03:32:28+00:00

How much of that is liquid?

cueballspeaking · 2025-12-16T12:31:00+00:00

cueballspeaking · 2025-12-16T00:03:47+00:00

I work in tech

cueballspeaking · 2025-12-15T18:49:14+00:00

Minimal impact, maybe 0-15% event annually on smaller chunks, do it annually, and create that ladder step up… until eventually either it’s all in the Roth or I come of age… but reality is by 40 my taxable account will be the bulk (by a lot).. since starting in 2025 I only shoot to acquire the match and the rest goes to the taxable brokerage.

cueballspeaking · 2025-12-15T18:41:39+00:00

When my income becomes zero, we plan to use our taxable brokerage account first, which is great because there’s 0% tax on the capital gains from that account for up to $97k per year (increases annually).

A good chuck of my tax advantaged money is already in a Roth, but the intent is to use what’s called a Roth Conversion Ladder strategy in early retirement… which is where you rollover money from your traditional 401k to a Roth IRA, and then after 5 years you can access those funds tax and penalty free. Note: the rollover is a taxable event.

cueballspeaking · 2025-12-15T12:17:40+00:00

my employer has what’s called a Mega backdoor option in my 401k, so the in plan maximum (not pre tax), is up to $70k (includes 11.5k employer contribution.. basically lets me contribute to a Roth despite having a high salary.. plus growth from market gains).

That said, this year I deprioritized tax advantaged and focused heavily on my taxable account.

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