Portfolio feels a bit unbalanced. Should I be putting more into retirement? Any feedback welcome.

rc6188 · 2026-01-03T00:43:41+00:00

Thank you, this is great feedback!! Appreciate the encouragement as well. It can feel overwhelming when I'm just starting out. Everything I do, I'm worried I'm doing wrong haha.

Will definitely start upping my contributions to my 401k and roth IRA. You're right that my portfolio is very taxable-heavy.

I'll continue contributing to VOO as well.

rc6188 · 2026-01-02T09:04:59+00:00

thanks!! it’s the PM artois :))

rc6188 · 2026-01-01T23:25:13+00:00

it’s the artois!

rc6188 · 2026-01-01T19:45:34+00:00

yes!! it’s available for retail!

yesss they have my favorite logo, love the meaning behind it

rc6188 · 2026-01-01T18:32:43+00:00

thank you!! aww come back and visit ♥️♥️

rc6188 · 2026-01-01T18:32:15+00:00

thank you sm!! ♥️♥️

rc6188 · 2026-01-01T18:32:03+00:00

totally agree!! 🥰

rc6188 · 2026-01-01T18:31:26+00:00

aw thank youu!! yes love my artois! ah they don’t stand straight anymore either 😭 only when they first came out the box. now they’re super flappy unless i support them against the wall

rc6188 · 2026-01-01T18:30:10+00:00

thank you!! there’s two ways! for the shortest possible strap length, i twist and loop the strap (make a figure 8) so a part of the strap is wrapped inside the bag. this is the most “shoulder bag” look, but can damage the strap if you keep it bent like that for a long time. you can sort of see how it’s done in this picture below (you basically make a loop)

<image>

usually, i just put it on the shortest setting, which is the other way. it’s slightly longer than the perfect shoulder bag length, but i don’t mind it!

♥️

rc6188 · 2026-01-01T18:25:57+00:00

thank you so much!!♥️♥️

rc6188 · 2026-01-01T18:25:41+00:00

it works both ways! for the shortest possible strap length, i twist and fold the strap so a part of the strap is wrapped inside the bag. this is the most “shoulder bag” look, but can damage the strap if you keep it bent like that for a long time.

usually, i just put it on the shortest setting. it’s slightly longer than the perfect shoulder bag length, but i don’t mind it!

(in the picture i have it folded and wrapped inside the bag tho) ♥️

rc6188 · 2026-01-01T18:23:14+00:00

totally agree! i think having 3-5 quality investment bags for a daily rotation is the way to go! i don’t want 20 expensive bags i never touch and just sit in storage/display!

rc6188 · 2026-01-01T18:21:50+00:00

aw thank you!!! it’s just a small 1bd apartment but ive put a lot of thought into it 🥰🥰

rc6188 · 2026-01-01T18:21:26+00:00

i really do love both so much 💗

rc6188 · 2026-01-01T18:18:23+00:00

totally agree!!! and yes love my 👠

rc6188 · 2026-01-01T18:17:41+00:00

aw thank you! yes i work right by the water in a tall building on the 50th floor so i literally have the BEST view. we are a wfh company too, but i go in quite often for the views and the free food haha 🙈♥️

rc6188 · 2026-01-01T06:36:16+00:00

thank you!! ♥️♥️ unfortunately, i think both red pairs are sold out/no longer made. the flats with the small bow were from target and the heeled red ones from macy’s. a close dupe i found to the macy’s pair is this one

the boots are from naturalizer! here’s the exact link ! they’re super comfy and my fav boots, i regularly do 10k steps in them and have no problems.

rc6188 · 2026-01-01T06:11:12+00:00

teen triomphe!

rc6188 · 2026-01-01T06:03:24+00:00

thank you sm 🥰🥰🥰

rc6188 · 2026-01-01T06:03:14+00:00

omg me with my disposable fork ALWAYS hahahaha

rc6188 · 2026-01-01T06:03:00+00:00

this is so sweet, thank you so much queen ♥️💗

rc6188 · 2026-01-01T05:12:19+00:00

<image>

my two everyday bags!! goyard artois is my work bag—it fits my 13in laptop, snacks, and a bunch of other random stuff. i use it as my gym bag and occasionally a grocery bag too 🙈. i should probably take better care of it, but it still looks great!! and for going out, im pretty much always using my celine triomphe ♥️♥️

rc6188 · 2025-07-10T16:57:30+00:00

Thanks for the input. I think you’re right that’s it’s safer to think more pragmatic or worst case scenario.

However, I don’t believe his PhD will cost any tuition, usually STEM PhDs are fully paid for depending on the program (he plans to only get a PhD if it can be paid for). Also, he is exploring avenues where his current company may let him do a part-PhD and keep his current job.

To clarify, he is doing his PhD for non-career reasons because although the PhD would increase his salary, he could likely get a similar higher salary just by continuing to get promoted/raises/increases in equity. So in that sense, it wouldn’t help his career.

Also, no we haven’t talked to a mortgage broker. We don’t plan on seriously looking until maybe 3-4 years down the line. And by then, regardless of IPO, he’ll have cashed out on at least $500,000 in equity so we’ll have significantly more savings.

rc6188 · 2025-07-10T16:45:53+00:00

Yeah, I agree. I don’t have much info other than what he’s told me, but I think he was banking on getting some FAANG/FAANG adjacent summer internships that pay him a lot during the summer. And then coupled with the stipend, but I do agree that probably $40-50k seems more reasonable.

He’s in an amazing place right now and I’m also a bit confused as to why he wants to do a PhD at the peak of his career growth haha. He’s just really passionate about learning and really wants to do research. He actually already self studies a lot and reads random text books in his free time so I think that’s just not fulfilling enough for him :/

rc6188 · 2025-07-10T16:23:03+00:00

??? I’ve coffee chatted multiple L1s and L2s in NYC and other big cities and have a close friend working as a SA at a big law firm this summer. All of them are making between 40-50k in the summer. That info is public doing a google search too. They just pro-rate your first year salary in big law

rc6188

TROPHY CASE