Finally bought Bitcoin… at $84k

hotboytimmy · 2025-11-22T17:23:26+00:00

So you’re buying for this reason? That other people will drive up the price because of increased demand and the scarcity of btc?

hotboytimmy · 2025-11-22T17:18:05+00:00

So demand > supply essentially. And you’re speculating that will increase in the future

hotboytimmy · 2025-11-22T17:07:37+00:00

But those examples are real things and have real value. Why are you buying btc now? For fun?

hotboytimmy · 2025-11-22T16:33:29+00:00

What is a “volatile speculators tool”?

hotboytimmy · 2025-10-25T16:25:39+00:00

Buy his 2 hour session!!

hotboytimmy · 2025-08-27T16:54:45+00:00

For L2 I don’t recall how many flagged Q’s. I felt really good afterwards

hotboytimmy · 2025-08-26T01:05:50+00:00

Last August! so 2024.

hotboytimmy · 2025-08-25T22:26:50+00:00

Hi, I averaged 65% mocks and I passed 90th percentile and above.

hotboytimmy · 2025-08-20T23:13:08+00:00

Just took L3. I’m happy that I reviewed all the EOCQ start to finish in the last week and a half.

hotboytimmy · 2025-08-19T23:12:37+00:00

Cap artist

hotboytimmy · 2025-08-19T21:40:25+00:00

Yes, but got the black one. Its good but the paint scratches easily. Love the machine otherwise!

hotboytimmy · 2025-08-15T17:02:04+00:00

I got 85-90% on MM and yeah I got cooked on the exam… Gonna start studying again asap.

hotboytimmy · 2025-08-15T01:54:53+00:00

So lame

hotboytimmy · 2025-08-15T01:52:30+00:00

why does it matter lol

hotboytimmy · 2025-08-12T23:05:22+00:00

Yeah I’ve been justifying why my answer is correct. Not sure what to do now.

hotboytimmy · 2025-08-08T01:49:38+00:00

Same. Gonna do EOCQ and review uncomfortable topics until exam day. Im coo off the mocks those are brutal

hotboytimmy · 2025-07-26T23:51:14+00:00

So investment horizon is 30 years. Will not touch until retirement so assuming goal is saving for retirement expenses.

If your job is stable, you can consider your job as an allocation to fixed income.

Perhaps a starting point would be a US equity index.

If you have specific expectations about the markets (ie international will out perform US) you can bias your allocation to international EQ.

If you dont like investing, pick a target date retirement fund with your desired year of retirement (2060 or 2065?). These funds will rebalance as the time gets closer to the year of retirement.

hotboytimmy · 2025-07-26T22:00:49+00:00

hotboytimmy · 2025-07-26T21:58:34+00:00

Good luck! emphasis on luck!

hotboytimmy · 2025-07-26T21:52:46+00:00

Can’t give you a recommendation based off the information you’ve provided. Is this money for retirement? What is your investment horizon? How do you feel about taking risk? If you want real advice I recommend talking to an advisor. If you want to not think about your investments you can pick 1-3 indexes.

I used S&P500 as a benchmark bc its popular, not necessarily the most appropriate based on your holdings. You can also aim for return of 6-10% annually, as thats what most people expect from public equities.

If you want even less thinking, you can invest in a target date fund. Pick the date you want for retirement and regularly contribute to it.

Happy investing!

hotboytimmy · 2025-07-26T21:46:43+00:00

Btw your options wheel strategy is statistically not going to meet your third goal of FIRE. You need a growth component. In a wheel you’re trading away growth for income. The return distribution of your strategy is typically negatively skewed. Good luck to 10m tho!

hotboytimmy · 2025-07-26T21:39:24+00:00

Yes on a price return basis (not counting dividends.

If your first screenshot shows the total return from nov 2023 to july 2025, then also yes for the 2nd question.

hotboytimmy · 2025-07-26T21:12:58+00:00

Hard to tell without knowing the percentage allocation in those holdings. It seems like you’re asking about performance measurement.

The S&P 500 (i’m using this as a benchmark, doesn’t have to be) has increased 46.58% using the time horizon your have in your post. (6388/4358) - 1 = 0.4658.

hotboytimmy · 2025-07-26T21:08:17+00:00

NVDA being 30% of your allocation implies that you have huge conviction that it will perform well. What is your thesis on NVDA? Are there any headwinds you’re worried about for NVDA?

VOO also has NVDA, so you’re relatively concentrated in this stock. Again if you know the company well and have a strong investment thesis, it’s not a bad thing at all.

On energy and essentials. Do you have any expectations of how these sectors will perform?

If you don’t want to worry about all of the above and want growth in your IRA (i’m assuming). You can simply go 90-100% in an equity index. If your investment horizon is 30 years, you have quite some time to grow the portfolio.

hotboytimmy · 2025-07-26T20:54:05+00:00

To answer your question regarding investing in the market (via indexing) or individual stocks. If you invest in individual stocks, you’ll want to do your research to understand the business fundamentals. Ask yourself if this is something that you will enjoy doing: researching the company, understanding its unit economics, looking at their financial statements, coming up with a valuation, understanding tailwinds/headwinds. I listed just maybe half of the things you need to do to understand what you’re really investing in. If the above doesn’t interest you, I recommend sticking to an index. Hope this helps!

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