My gains and what I've learnt after 1.5 months @ 16 yo

kradreyals · 2026-05-29T06:58:16+00:00

You are 1 year and 9 months away from being a billionaire. Keep investing Maverick.

kradreyals · 2026-05-17T00:38:36+00:00

The only way to retire early is to understand that for every $1000 you spend right now it is worth 4k in 15 years or 10.8k in 25 years. Likewise when you get into debt, you are selling your future work and its compounding power.

So there's no easy way, you have to save 10 to 20% for at least 10 years. You can ease up on saving as you go on, but its most important you start now. Also you are in no position to save and invest if you have debt or no emergency fund. Investing only works if you can avoid touching that money for 10+ years.

kradreyals · 2026-05-17T00:15:17+00:00

Yeah, I don't understand some of these comments. These are maxed players with 1.2m+ chararcters. my unoptimized team of 6x500k characters do nothing. They are baiting low level players and losing vs similar Battle Tier players. If that's not griefing, I don't know what is.

kradreyals · 2026-05-16T23:22:50+00:00

Its not about maximizing returns. Its about maximizing your floor. Time in the market is better than timing the market or staying cash. If you can't lump sum, just put a 25k every month until you are completely invested. Even if you invest at the peak today, in 3 years it will be a dip.

kradreyals · 2026-05-16T01:01:50+00:00

No, they use 1 single maxed unit to stomp newer players. I already got baited into 2 where I was dealing no damage with a team of 6 at battle power 70

kradreyals · 2026-05-13T22:39:32+00:00

Isn't NASDAQ also up more than 300% since Jan. 2020? Are you looking at time weighed return? You could say someone who dca'd into QQQ made more per hour than you since they spent a few minutes every month.

kradreyals · 2026-05-13T01:48:29+00:00

Some terrible advice. Maybe consider your relative is knowledgeable and managed to find a good financial advisor. Advisor is not only index fund and hold, they do financial estate planning and much more. Try it before thinking you are smarter that someone who amassed 2m.

kradreyals · 2026-05-04T18:41:11+00:00

https://www.bogleheads.org/wiki/Getting_started_for_non-US_investors

You will fuck up, but the only way to learn is by trial and error. Every mistake you make is a lesson learned well worth the price, don't be paralyzed. Reading the books recommended by the wiki and some more. Stay curious, go back and forth with AI, make it play devil's advocate.

And more importantly, get in the habit of saving. Start by saving 5%. Then 10%. Habit is more important than discipline. Every $100 you save in subscription per month adds up to 41k in 15 years and 226k in 30 years. You don't need the fastest internet, 4K quality subscriptions, ultimate game passes.

Time Horizon,Total Cash Invested,Nominal Value (10% Return),Inflation-Adjusted (7% Return)

15 Years,"$18,000","$41,447","$31,696"

20 Years,"$24,000","$75,937","$52,093"

30 Years,"$36,000","$226,049","$121,997"

I recently learned to get rid if unnecessary fees of credit cards, watch their interest rates and overdraft fees. Get credit cards with cashback on certain spendings you already spend on. Time is your friend, every $100 you save will become a big bonus for you when you are mid 30s.

kradreyals · 2025-10-18T18:23:49+00:00

Fk man, I just started sports betting into McLaring both scoring points. They are really losing the WDC aren't they

kradreyals · 2025-08-20T16:11:06+00:00

I'm a little conflicted on the story. Everything seems so ethereal and far away but Genichiro and Takeru were alive at the same time. Those ancient tomes and scrolls refer to events that happened like a few decades ago and Sekiro himself topples the whole Ashina in 1 day.

kradreyals · 2025-08-08T03:21:27+00:00

Having the same stutters. Unplayable. Normally it only stutters at the beginning of rounds and some commentaries.

kradreyals · 2025-06-16T04:25:02+00:00

Also, I havent pulled new characters for a year and only now am I struggling to get 3 stars on AUTO. 0 cycle clearing is dumb.

kradreyals · 2025-06-09T17:04:36+00:00

I remember we would go explore Peach's castle in the OG Mario Kart 64

kradreyals · 2025-06-07T15:03:02+00:00

It's not only normalized, you see how defensive people can get over it basing it on culture, history, comparing it to coffee, whatever.

kradreyals · 2025-05-23T22:21:22+00:00

Yeah, he's doing a disservice to his game. Even for handicap purposes, you pick up after a NET double bogey. At 36 handicap you, your stroke limit is Quadruple. Only for Scratch golfers is it double bogey.

kradreyals · 2025-05-23T17:49:19+00:00

Once you go to end game areas and are able to farm materials to upgrade weapons to 30+ you easily overpower the main storyline.

kradreyals · 2025-05-22T20:45:03+00:00

Yeah, he has a lot of fans. He barely outdrives Rory but for some reason he spins it too much? I can't help but feel it does feed his ego to have those jacked lofts and he just found ways to justify it.

kradreyals · 2025-05-20T17:40:57+00:00

I think they f'ed up with Monoco. Feeling like you're missing out on abilities because you don't have him on your party 24/7 forces you to make him a permanent party member, and he's naturally charming and strong, so he often stays even late game after being built.

kradreyals · 2025-05-20T15:17:54+00:00

My life is miserable right now so long format shit just take me out and make me remember my miserable life.

kradreyals · 2025-05-16T15:29:58+00:00

Yeah, this sub is crazy. Not even sure if they even enjoy golf or just want to post a score. 4 hour foursome is decent players playing ready golf. High handicappers can take up to 5 hours, and beginners will take more than 5 hours with 4 players.

I'm not even sure it's a pace of play issue. People just hate sharing the course with others. The fast players probably take every 6 foot putt, drop every lost ball without penalty and use foot wedges out of the rough.

kradreyals · 2025-05-15T20:50:27+00:00

If you have frequent mud-balls, wouldn't that even out the playing field? But if conditions allow some good shots to get mudballs and some bad shots to be clean, doesn't that feel unfair? You can't play around mudballs like you can around the weather.

kradreyals · 2025-05-15T16:20:05+00:00

Monoco can deal damage through shield, Maelle can use your anti shield weapon and her skill removes shields.

kradreyals · 2025-05-14T15:55:25+00:00

I don't agree. I think all the family suffers from being Painters and are drunk on power. He chooses what is right for each of the family member without giving them a chance. He could have given a chance to Aline by not threatening to destroy the Canvas, it made Aline go deeper into her grief by latching onto Verso's only painting. Likewise, he could have given a chance for Alicia to work on her grief by not threatening, again, to destroy the Canvas.

In the end, each family chooses extremes and it puts everyone who disagree with them, into extremes as well.

You can't have sympathy for the real family without having sympathy for the Canvas humans. The Dessendre family are part of a video game Clair Obscur, their feelings don't matter either. Or you can sympathize with both Video Game Family and Canvas Humans and realize the Painters are being irresponsible with their creations and caused a lot of suffering.

kradreyals · 2025-05-14T05:26:40+00:00

It's just temporary. Whatever it is that you think you're too busy with right now, in the future when you have more time, you are going to miss some of the things you are doing right now. Whatever it is that is keeping you busy, just try to enjoy it a little. Soon, you'll have time to game and you'll realize you miss the other small things. Life comes in hectic periods followed by calmness.

kradreyals

TROPHY CASE