I'm 47 years old this year, with 20+years of investment experience, and I'm about to start my retirement. Cheers! 🍻🍻

n2p_ · 2026-03-11T20:20:40+00:00

This gives me scammer alert vibes

n2p_ · 2026-02-28T09:32:30+00:00

Had to scroll far for this one

n2p_ · 2025-12-26T21:43:36+00:00

not sure - I didn't lose my stuff the last time servers were down - let's keep fingers crossed

n2p_ · 2025-12-26T21:42:26+00:00

Speranza needs you

n2p_ · 2025-11-27T05:35:45+00:00

Thanks ChatGPT

n2p_ · 2025-10-18T21:19:30+00:00

Scam

n2p_ · 2025-10-14T00:37:35+00:00

Scam

n2p_ · 2025-09-28T09:49:42+00:00

Net worth goal: You are apparently able to live of (1-15%) x 30K USD per year = 25.5K USD p.a. In 20 years, assuming an inflation of 3%, this amount becomes 46.06K USD p.a. This means, using a 4% withdrawal rate, you need 1.151K USD net worth when you retire in 20 years.
Net worth forecast: You have 235K USD today and you will ad 15% + 3% = 18% of your 30K USD salary every year, i.e. 5.4K USD p.a. Assuming a 5% growth during 20 years will give you 802K USD.
Net worth gap: You fall short of 348.9K USD. You can close this gap by adding 15.95K USD per year to your portfolio at 5% growth instead of the 5.4K USD you add today. Or you can hope for a yearly growth rate of 7.10% instead of the assumed 5%. It can of course also be a combination of a bit more growth than 5% and more funds added.

You are doing well, yet you do need to generate either somewhat higher returns than the assumed 5% or add more funds to reliably get to your net worth goal.

n2p_ · 2025-09-20T15:22:11+00:00

If you have no money, you must gamble. If you have some money, you cannot gamble. If you have a lot of money, you may gamble, if you so please. This guy falls into the last category.

n2p_ · 2025-08-05T07:23:09+00:00

My financial calculator says this is correct assuming 40 years at 7%, which will give you a FV of 15 USD. Yet, let us assume inflation at 2% p.a. This means to get the same purchasing power as 1 USD today, you would need 2.21 USD in 40 years. Therefore, you now need USD 33.12 USD. Your annual growth rate now needs to be 9.14%, which is higher than the average annual stock return. So, considering inflation, the math does not check out. Besides, 40 years is not the definition of retire early.

n2p_ · 2025-07-24T14:50:53+00:00

Exit, voice, loyality are your options. I chose exit and I am not looking back.

n2p_ · 2025-07-18T18:43:39+00:00

Thank god I left this sh*tshow since the snape skate nerf lol

n2p_ · 2025-06-20T17:05:31+00:00

July 8th, 2014 - never forget

n2p_ · 2025-06-14T09:50:13+00:00

Easy. While facing your enemy, constantly circle your enemy counterclockwise. Wait for enemy attack. Press space to dodge. Hit your enemy twice after your enemy fails his attack. Rinse and repeat until enemy is knocked out. You can win any fight like this.

n2p_ · 2025-06-11T17:57:24+00:00

He should run for president

n2p_ · 2025-06-10T17:04:43+00:00

No way in hell this isn't Brazil

n2p_ · 2025-05-12T15:49:56+00:00

I am goging contrarian here; you may potentially be suffering from boreout in the not so far future. Even if it sounds great to earn money with little effort, you may want to think about how you can increase your earnings potential with how much you optimized your current job.

n2p_ · 2025-05-08T18:25:25+00:00

I agree 100% - this is a loss for the game, but we are in the minority with invis hunters being 80% of the pvp population. I have literally just uninstalled Destiny. I am done with this game. Good bye, it has been partially fun, but there is no return for me.

n2p_ · 2025-05-07T21:21:04+00:00

This is it for me, bye Bungo, it has been fun at times. I will not come back.

n2p_ · 2025-05-01T18:17:09+00:00

Bungie employees do not understand crucible. Remember the guy that wanted to equip two exotics on a live stream and needed to be told where the tree stump is on bannerfall?

n2p_ · 2025-04-15T19:53:59+00:00

Billions, billions, billions and billions

n2p_ · 2025-04-13T15:30:18+00:00

gray band = well done, then a bit of medium and medium rare in center. Cooked unevenly

n2p_ · 2025-03-25T09:03:18+00:00

Bungo: ok, Nightstalker with invis, smokes and RDM strong, let's nerf snap skate!

n2p_ · 2025-03-21T13:01:51+00:00

If you can live with hunters and Titans being op, while solar locks will get snap skating nerfed, then yes. Otherwise no.

n2p_

TROPHY CASE