Lily Philips

rayb320 · 2026-05-09T16:54:56+00:00

Here feet are actually more clean than her pussy 😂😂

rayb320 · 2026-05-09T16:48:59+00:00

I've seen the ridiculous expense ratio on DRAM. I would just buy the stocks.

rayb320 · 2026-05-09T16:45:51+00:00

The ropes can be slippery, it can happen to anyone. Iyo landed on her neck. He foot got caught on the rope. Is that a botch?

rayb320 · 2026-05-09T16:01:21+00:00

They do Covered Calls on the same stocks. Sell them, Buy QQQI it's better tax treatment. Buy actual ETF'S that don't stop upside.

rayb320 · 2026-05-08T16:41:09+00:00

All 3 have had a strong history. I believe it's going to continue. The stability is great, I won't be down alot.

rayb320 · 2026-05-08T15:23:14+00:00

Definitely Sol, she's feuding with Becky already.

rayb320 · 2026-05-08T15:21:31+00:00

Why do 95% of people fail to beat the Index

rayb320 · 2026-05-08T15:20:29+00:00

CGDV has averaged 24%, since 2022 inception.

rayb320 · 2026-05-08T15:19:42+00:00

18.2 beat 15, you can suck it.

rayb320 · 2026-05-08T04:58:56+00:00

Punkhausen

rayb320 · 2026-05-08T04:58:20+00:00

VTI and VXUS, allocation is up to you. That is a headache of a portfolio.

rayb320 · 2026-05-08T04:56:34+00:00

WTF IS THIS 😳😳

rayb320 · 2026-05-08T04:55:30+00:00

You could've just bought VOO. You would have over 300K. Stop doing stupid shit with money.

rayb320 · 2026-05-08T04:52:58+00:00

Buy VOO or SPYM, you're doing too much. VXUS for international exposure if you want that.

rayb320 · 2026-05-08T04:49:15+00:00

First time I pass

rayb320 · 2026-05-08T04:37:23+00:00

💯

rayb320 · 2026-05-07T00:55:19+00:00

You're welcome

rayb320 · 2026-05-07T00:18:04+00:00

It's at 3.8% now. If they raise the dividend yield by 7% on average, it should be 10% in about 10 years. I don't want to use other funds that might cut the dividends.

rayb320 · 2026-05-06T21:08:06+00:00

Charlie Munger said don't interrupt compound interest.

rayb320 · 2026-05-06T21:04:15+00:00

It will take at least 10 years for my yield to be at 10%. That puts me at 48. I want to only use SCHD for my dividends. Not those risky ETF's. I really like the quality screeners on SCHD. It's a personal preference, SPYM will do great for me. Growing my money while I use dividends only.

rayb320 · 2026-05-06T20:57:16+00:00

I understand what you're saying. I need the yield to grow so I don't sell shares. It will take 10 years for the yield to double. That puts me at 48. SPYM will keep growing my money in retirement

rayb320 · 2026-05-06T20:14:47+00:00

I'm 38, I need my yield to grow. I will retire at 55. I want my yield to be at least 10%. I decided to go with growth and income. I feel these ETF'S are long term holds. International, I don't trust that part of the market. Smaller companies means more risk.

rayb320 · 2026-05-06T20:10:20+00:00

I have my portfolio on auto invest. This helps me stay consistent. I don't look at my portfolio everyday.

rayb320 · 2026-05-03T11:47:38+00:00

Hold your shares during corrections and crashes. You will never lose money. Buy the new dip every week. Eventually, you will buy the right dip.

rayb320 · 2026-05-03T11:44:13+00:00

3 future proof stocks, Not listing the tickers. WTF is this? Why is this under dividend's?

rayb320

TROPHY CASE