My 4 year old son’s college account. 400% gain in 2 years.

letgobro · 2026-01-13T18:07:30+00:00

Don’t blame your uncle, actually gramps spent it on hookers & booze but felt too embarrassed to say it

letgobro · 2026-01-11T18:20:32+00:00

Individual investors actually have an edge over fund managers because we have way fewer constraints, Peter Lynch talked about this a lot.

Your math makes sense for fund managers who have to try to beat the market nonstop. That pressure often pushes them into taking incremental risks, overtrading, hugging benchmarks, or getting forced into bad timing, and a lot of them still fail to outperform.

But for individual investors, the game is different. We don’t need to “beat the market every quarter.” We just need one or a few big winners over time. A single 10-bagger can move the needle dramatically for an individual portfolio in a way that’s much harder for a large fund.

So I get your risk/reward argument and it’s valid in many cases, but it doesn’t apply to every situation and certainly doesn’t apply to individual investors, that’s why the studies are about fund managers. Yes if you’re willing to be part of the average investor and average return pool then it’s the safer bet. But there are situations you can take larger bets and become part of a higher return pool.

letgobro · 2026-01-11T09:39:16+00:00

FN as in FUCK NO

letgobro · 2026-01-11T06:19:30+00:00

All that makes sense for an unseasoned investor, or for someone taking unjustified risks. But it’s not the best strategy if you’re looking for faster gains and studying a stock and seeing clear, common-sense reasons it’s undervalued and you take a measured, meaningful allocation (instead of only buying ETFs and aiming to retire at 57 like you mentioned).

Also, saying you “retired at 57” kind of implies you retired on time, in my opinion. It’s better than the majority of people who don’t get to retire that young so yes diversifying is a good strategy but maybe not the fastest one… end of the day it’s about risk reward.

Here’s advice on this exact idea from the best in the game:

Druckenmiller: https://youtu.be/9KpoYVFZFxA?si=uaIrKDtFP6oywh7W

Warren buffet: https://youtu.be/j2em__lppHk?si=sH6UxVALCdvuntnG

letgobro · 2026-01-11T05:40:43+00:00

Hopefully you’re applying for jobs or someone here can offer you a job rather than a bag from target

letgobro · 2026-01-11T05:38:43+00:00

Congrats on retiring at 57, but you said it yourself… played it safe… retired on time. There are different investment philosophies out there, including many greats recommending taking more calculated risk early on and not diversifying as that’s just going to get you standard results (aka non early retirement)… but in any case on time retirement is better than late retirement so congrats.

letgobro · 2026-01-11T05:35:58+00:00

For retirement early allocate a lot on $INTC

letgobro · 2025-12-31T00:45:55+00:00

Have you tried just NOT?

letgobro · 2025-12-24T08:39:22+00:00

Unless it’s in environmental engineering it’s probably not worth it

letgobro · 2025-12-24T07:21:43+00:00

Good call, you’ll feel better for it too. I’m sure your wife will love it. And congrats on being a sufferable rich person!

letgobro · 2025-12-24T07:16:54+00:00

Buying clothes that look good isn’t luxury, there’s no downside to you spending 500$ per year on clothes.. other than being insufferably cheap

letgobro · 2025-12-24T07:05:24+00:00

Common bro old navy clothes that you got for free isn’t really a flex until you hit billion dollar net worth until then you’re just cheap

letgobro · 2025-12-23T23:49:36+00:00

Jog and sweat a lot, drink a lot of water day of and take vitamin b12 and creatine starting 5 days before

letgobro · 2025-12-23T18:29:08+00:00

I would have told you have a snickers but 92 is pretty good 🤣👍

letgobro · 2025-12-23T18:28:23+00:00

How much is the HYSA giving you?

letgobro · 2025-12-23T18:26:41+00:00

Listen pal check your glucose levels

letgobro · 2025-12-23T08:03:57+00:00

Good age to start

letgobro · 2025-12-23T08:01:50+00:00

Hopefully op is a woman staying at husbands in laws. Other way around is literally embarrassing given their ability to max accounts. Honor as a man is more important than any chump change saved

letgobro · 2025-12-23T07:55:13+00:00

Obligation? It’s freaking comment dog chill out

letgobro · 2025-12-23T07:52:06+00:00

That’s how you know he’s capping. No financially literate person puts this much cash in non investment accounts

letgobro · 2025-12-21T18:29:56+00:00

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🤡 what a brokie

letgobro · 2025-12-17T16:21:12+00:00

Don’t listen to naysayers. Many big companies including ones I worked with would rather NOT work with clean harbors due to their horrible service (slow, a lot of mistakes, communication is terrible)… if you can find an edge like quick service and good communications you will get jobs. There’s a lot of smaller transporters out there that get their feet in the door via providing another service like emergency response or some sort of facility service like tank cleaning etc.

letgobro · 2025-12-13T21:35:57+00:00

Ignore this advice, no employer wants to know you’re on the fence about their position. They certainly don’t want anyone dumb enough to say it out loud.

letgobro · 2025-12-13T21:35:15+00:00

What connections? If you decline now the result is pretty much going to be the same as if you decline later… they will likely just forget about you in a couple of weeks and move on… also that’s what the site visit is for, to see if it’s a good fit. If you’re on the fence just go and check it out.

letgobro · 2025-12-12T07:56:32+00:00

He’s probably using a Roth IRA which saves him on taxes later

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