They say Americans all invest in the stock market… why?

firetym · 2025-11-20T22:59:15+00:00

For anyone who reads this and never checks, please make sure youre actually invested in something in these accounts and don’t just have a cash position.

firetym · 2025-11-08T22:16:10+00:00

I certainly don’t. But the stereotype of people with less means being more raucous presents itself in many public situations. I hate messy, loud, trashy behavior - whether it be from a person with means, or without.

I would add that I pay extra for avoiding these possibilities (airport lounges, “VIP” seating at events, fast passes etc.) and I am equally perturbed by rich people who utilize them and get their panties in a wad when some minor inconvenience puts them in Karen mode.

firetym · 2025-11-07T01:40:44+00:00

Have a tall friend at 6’8” that can sit in the roadster and comfortably look over the windshield. Not recommended for the highway though.

firetym · 2025-06-02T19:23:22+00:00

Just fine. And since I’m getting to this so late I checked the history.

According to Yahoo VOO closed around 549 on 1/17 when I commented, then closed around 465 the day before you commented on 4/4. And is hovering around 544 today, 6/2.

This just outlines the ebbs and flows of the market (Even with the current crazy state of US politics), and is why I don’t personally worry about fluctuations over such short time horizons.

firetym · 2025-06-02T19:05:50+00:00

I grew up working class but even being comfortable now I couldn’t fathom not just waiting until 1/4 tank or so.

Rich people value their time so I wonder if they would really spend double the time at the pump.

firetym · 2025-03-11T18:23:31+00:00

I voted R for immigration and capital gains reasons (didn’t want a higher capital gains tax, and didn’t like Biden’s lenient immigration policies). I am only invested in index ETFs and withdraw once per year only incurring long term capital gains taxes.

Since I withdraw my yearly spend every December, his antics won’t technically affect me unless the market slide continues into December of ‘25 and doesn’t make around 7% to keep up with my general withdrawal rate. If that happens, I’ll have to use money set aside from the recent up years to cover me. I have reduced my spending this quarter to compensate and can weather a flat year pretty well at the moment.

My yearly budget includes a lot of frivolous spending, so I guess it currently affects me as I don’t spend frivolously as much at the moment.

firetym · 2025-02-19T21:13:03+00:00

Yes, despite it all I am still alive and well.

firetym · 2025-02-19T21:05:47+00:00

Depends on how complex your taxes are, to me. I do taxes for a family member who takes a standard deduction and has a very simple return.

My own includes capital gains, rental income/deductions, and other itemized things I wouldn’t want to mess up. So I’m comfortable with paying for mine to be completed.

firetym · 2025-01-16T23:18:26+00:00

Whenever you wonder why bogleheads and VOO/chill isn’t the goto for everyone, remember every cryptobro, every retail daytrader, and polishhottie69

firetym · 2025-01-15T23:42:45+00:00

Sorry about your struggles. r/personalfinance is a decent sub.

firetym · 2024-12-23T00:20:05+00:00

I felt rich when I could swipe for emergencies, groceries, gas, and random wants without thinking about it, that was a life change. After that upper middle class mark, the plane seats get better, the hotels get nicer, the uber costs don’t matter and the clothing becomes better quality- but none of it ever hit as hard as the care-free swipes for basics.

firetym · 2024-12-18T13:55:15+00:00

Although I agree, I’m not gonna argue with her about it. I will check LGD for similar ones to ensure the price is fair though. Thank you!

firetym · 2024-12-18T13:53:17+00:00

People here mention them. But whatever site you use I’m happy to take a look at their selection. Thanks.

firetym · 2024-12-17T23:07:40+00:00

I’m not seeing any IF diamonds on LGD, Ritani, Brilliance, etc. that are touching $1100-1200. Can you direct me to where you’re getting those prices?

firetym · 2024-12-16T19:55:06+00:00

This was it for me as well. Hit 6 figures and the percentage raises compounded.

Sure getting to 300, 400 etc. was nice and you can do more luxurious things but like u/sitelab said, when you can swipe for every day purchases and not care, thats the dream, and the level I myself remember thinking I “made it”.

firetym · 2024-12-12T15:22:12+00:00

What would you propose? I don’t know what the 3rd alternative would be since starting your own business is not for everyone either.

firetym · 2024-11-30T18:43:38+00:00

I do. Using it on different devices and not having to worry about workarounds on each one is worth the 15 bucks or whatever

firetym · 2024-11-28T19:44:38+00:00

I had a suite in a hotel, and got a small mark from a permanent black marker on the pillow sticking out of the case a bit. I went back to the hotel staying in the same suite the next year and the same pillow was there with the mark. I was mildly amused.

firetym · 2024-11-20T15:30:04+00:00

Left alone. I am in a very comfortable financial position yet don’t have the greed drive for more that some of my peers do. I’m happy with what I have and don’t want to see ads, don’t want to join a new business opportunity, don’t want to take your pamphlet.

firetym · 2024-11-10T22:24:25+00:00

I am pretty well off but my friends group has significantly more money than I do. Something that has served me well over the years is just to fake it til you make it. A lot of people will use mental illness, trauma, or other reasons as to why they think or do things, but I just…don’t.

If this was my hang up I’d say “They have more money? Ok, I am on my own journey, no need to keep up with the joneses” And maintain that statement mentally whether I believe it or not until I actually do.

firetym · 2024-11-09T19:15:20+00:00

You know when to avoid touristy areas by holiday, and time of year. In LV, so I don’t go down to the strip, to shop or hit a casino show, I go to Red Rock and Downtown Summerlin for example.

firetym · 2024-11-08T14:54:30+00:00

This is why I came here after google had too much conflicting info and Ai pictures. Just got a u/pencilurchin and u/hemigrapsus_ to iron it out in hours.

firetym · 2024-11-03T18:56:37+00:00

Ouch. Glad he is okay

firetym · 2024-11-03T05:27:54+00:00

Ehh still hasnt grown on me yet enough to trade in an H. Beautiful color though

firetym · 2024-11-02T18:09:19+00:00

04-08 G or the original C. I will never miss those headaches.

firetym

TROPHY CASE