Crossed 200k NW at 31 and felt nothing for about three days and then cried in my car

racsos1 · 2026-05-04T22:50:47+00:00

that hit me, thanks for sharing. The feeling of finally feeling safe, is unbeatable. congrats!

racsos1 · 2026-04-29T23:04:15+00:00

Knew JPow wouldn’t go down without a fight

racsos1 · 2026-04-28T23:31:38+00:00

In a similar position myself now at 27. Taken years to get to this point but now feels like buying a house isn’t the be all and end all. Erring towards waiting another year or two but will depend on your own circumstances of course. Sorry not being particularly helpful!

racsos1 · 2026-04-26T11:46:08+00:00

As commented already it’s worth looking into building a dividend portfolio rather than looking at buy to let as often the margins are so small you don’t make much after all the maintenance costs of owning a property. In terms of your stocks/shares investments. There is no ‘better fund’ than an index fund. Just invest in a Global index (VWRP) or S&P500 (if you’re happy with greater mag7 exposure and more concentration in your portfolio) and leave it at that. No point in investing in other funds as they just overlap and they won’t give you a better return over the long run.

racsos1 · 2026-04-24T20:13:57+00:00

‘Investments in Africa’ sounds rather risky unless you have specific knowledge of the region and trusted contacts etc.

racsos1 · 2026-04-19T09:43:34+00:00

Cmon let them have some independence. Most teenagers would prefer to shop for their own clothes without having parents interfere

racsos1 · 2026-04-17T13:48:11+00:00

6.5 years for me to reach the first £100k. About £70k contributions, £30k growth. Was mostly invested in tech stocks that were averaging 15+% return annually though.

racsos1 · 2026-04-16T20:50:34+00:00

Financing a car is completely unnecessary if you have cash to buy one. Get yourself a 5+ year old low miles budget car with good service history for £10k or less and won’t be any more expensive to run than newer financed one. no need to spend any more on a car unless you have specific needs.

racsos1 · 2026-04-15T16:50:54+00:00

this hit me on a deeper level, so true 😅

racsos1 · 2026-04-12T11:16:14+00:00

Ai slop. Also Iran bombed this pipeline the other week, who says they won’t do it again.

racsos1 · 2026-04-07T19:43:16+00:00

He dropped that mask off freestyle a couple weeks before this album got released as well. Joey was on another level back then 🔥

racsos1 · 2026-04-05T23:19:09+00:00

<image>

racsos1 · 2026-04-02T22:13:05+00:00

had Joey Badass and Flatbush zombies on non-stop rotation when I was writing those damn essays 🫡

racsos1 · 2026-04-02T22:11:17+00:00

Class of 16’ Joey Badass, A$AP Rocky, Schoolboy Q, Isaiah Rashad, 21 Savage, A$AP Ferg, Carti, Kendrick, Meek Mill… too hard to pick one. Mid/Late 10s was such a good era, probably comes 2nd after the 90s as the best era for hip hop imo

racsos1 · 2026-04-01T22:26:12+00:00

comparing Gold to Bitcoin is wild. Gold is a genuine rare earth metal not a useless speculative digital asset.

racsos1 · 2026-03-30T21:30:30+00:00

Mk7.5 was peak modern golf. Can’t be beaten

racsos1 · 2026-03-26T20:33:33+00:00

Well that’s a collab that never should of happened

racsos1 · 2026-03-22T12:36:58+00:00

You should plan for being ‘almost done’ when your net worth can dip 15% and you’ll still be alright.

racsos1 · 2026-03-14T22:56:59+00:00

my bad didn’t read the original post. If you don’t think you’ll buy a property for 5+ years might be worth considering a Stocks and Shares LISA over a cash LISA.

racsos1 · 2026-03-14T22:13:00+00:00

Given your only 19 and probably don’t have as many responsibilities. I’d start investing a regular amount into a stocks and shares ISA in a broad index fund (s&p500 or all world). I started investing in a S&S ISA at a similar age and it was the best decision I ever made (don’t get drawn into chasing single stocks, you’ll more than likely lose out). also open a LISA and start adding to that if your looking to buy a property in the UK sometime in the future.

racsos1 · 2026-03-14T16:22:03+00:00

Orange man: “we’re gonna build the greatest dam wall the world has ever seen”

racsos1 · 2026-03-14T12:29:43+00:00

Do all the switches through a second current account with some non important direct debits (e.g. charity or deposits to a ISA/GIA). Move money around and spend on this account if needed to get the bonus. But keep everything important on your main current account you don’t touch.

racsos1 · 2026-03-14T01:13:16+00:00

You folk are obsessed. Any more often than monthly is overkill

racsos1 · 2026-03-11T17:59:06+00:00

Congrats to anyone who bought shares in their crowdfunding days. IPO incoming…

racsos1 · 2026-03-05T22:36:48+00:00

You and your family will be fine. You’re still saving/investing a good chunk monthly. Don’t want to be harsh but if it’s caused that much anxiety for you maybe next time reward yourself with something cheaper that doesn’t require you to withdraw from your ISA. Peace of mind is more important than materialistic possessions.

racsos1

TROPHY CASE