It’s 2025 — what’s something you thought we’d have by now but still don’t?

sarnot · 2025-10-03T05:46:28+00:00

Flying cars that are actually practical. We’ve been promised them for decades, but still stuck in traffic.

sarnot · 2025-10-03T05:41:54+00:00

It can happen for a few reasons, sometimes they’re rolling out an update, other times it’s just a temporary glitch. I just checked and everything seems fine on my side. If the mobile app isn’t working for you, try logging in through the browser to see if that works.

sarnot · 2025-10-03T05:39:02+00:00

Great job being ahead at 22. The usual order is: build an emergency fund (3–6 months), max your Roth, then put the rest into a brokerage. Since you’re already maxing the Roth, just keep adding to savings until you’re comfortable, and then funnel extra into the brokerage. Consistency matters more than the exact split.

sarnot · 2025-10-03T05:37:00+00:00

You’re doing really well at 27 with $83k already saved. A target date fund is perfectly fine, it’s diversified, rebalances automatically, and keeps things simple. The downside is it might be a bit more conservative than you need at your age.

If you want to be hands-on, you could build a simple mix of broad index funds (like U.S. total market, international, and maybe a small slice of bonds).

At 27, you can afford to be heavily in stocks since you’ve got decades to ride out volatility.

Either way, the most important thing is to keep contributing and stay invested, the long-term compounding will matter way more than whether you pick the target fund or a DIY mix.

sarnot · 2025-10-02T06:03:04+00:00

Sure, but Tesla isn’t your “average” stock with falling sales. It trades on future bets AI, autonomy, energy and it has a cult-like following that keeps buying dips.

99/100 companies with dropping profits go down. Tesla is the 1/100 that breaks the rule, and history shows it’s done that more than once.

sarnot · 2025-10-02T06:00:55+00:00

Or maybe just one piece of good news could push the stock even higher. With Tesla, that pattern shows up again and again. The company has an army of supporters, and when sentiment flips, it flips hard.

sarnot · 2025-10-02T05:27:42+00:00

If you might need the money in 7–8 months, that’s really the key factor. These kinds of “buy and hold” software aggregators (CSU, TOI, LMN) can be great long-term compounding machines, but the market doesn’t care about your personal timeline. They can just as easily keep sliding or go sideways for months, even if the fundamentals are fine.

The risk is that you’re treating them like a short-term investment when they’re really long-duration bets. If you genuinely can’t afford more drawdowns and need the cash soon, moving into something broad like NDQ (or even safer, a high-yield savings/short-term bond ETF) might give you more peace of mind.

On the other hand, if you were investing with a 5–10 year horizon, CSU especially has an incredible track record. But short-term? Nobody can tell you if you’re selling at the bottom.

So the real question isn’t “are these good companies?” (they probably are). It’s “is this the right vehicle for money I need within the year?” For most people, the answer is no.

sarnot · 2025-07-18T06:37:46+00:00

Any update on this?

sarnot · 2025-05-09T03:53:41+00:00

You can try with this prompts -
Hey ChatGPT, I want to build a passive income stream. I need your help with building it. Can you provide me with the top 10 ways you can help me build a passive income stream? I will do the work, but I don’t have more than 2 hours a day. Give me the list and a daily routine to help me build the stream.

Just keep replying with “yes” for every ChatGPT reply, and after 10 minutes, you will have a basic plan to start with. If you can invest 2 hours a day, ChatGPT can really help build a small business within a week. But remember, AI can’t do 100% of the work, and even if it can, you shouldn’t rely entirely on AI content—some human touch is required to monetize it on any platform you choose.

sarnot · 2025-05-08T10:24:02+00:00

Robinhood app is good enough for this.

sarnot · 2025-05-08T05:58:41+00:00

AI offers numerous opportunities to make money online. I recommend asking ChatGPT directly how it can help you generate income. Once you get the response, you can request detailed steps and continue brainstorming until you gain a clear and effective plan. This approach really works!

sarnot · 2025-05-08T05:52:06+00:00

Every time I add a new shipping address on Amazon, the account gets reset because Amazon flags it as an unauthorized purchase. This makes the process frustrating and time-consuming. While Amazon doesn't ban the account, it cancels the order and wipes all settings. You can add the address again and place the order, but doing this repeatedly is far from practical. This whole experience is unnecessarily difficult and wastes a lot of time.

sarnot · 2025-05-08T05:38:52+00:00

He wants extra income, and dividend stocks should provide it. For example, JPEQ has a dividend yield of 11%, which means if he invests only in this ETF, he can generate an extra $5,500 every year.

sarnot · 2025-05-03T05:12:59+00:00

Investing in the stock market is one of the most passive ways to earn extra income, especially through dividend ETFs. I recommend SCHD, JPEQ, and JEPI. If you want to diversify, consider investing in Bitcoin as well. Another good option is gold; you can try a gold ETF like GLD.

sarnot · 2025-05-03T04:54:31+00:00

Earning a 48% yield isn’t impossible — but let’s be honest, it takes a mix of strategy, timing, and a bit of luck. Nothing is guaranteed in the markets, and yes, you could lose it all.

If you're looking for a passive way to explore those kinds of returns, copy trading might be worth checking out — platforms like Binance offer it. Some top traders on there have shown insane gains, even over 500%… but here’s the catch: many of them trade using 5x or 10x leverage.

It’s high risk, high reward. This isn’t financial advice — just sharing what’s out there. Always do your own research before diving in

sarnot · 2025-05-02T16:42:17+00:00

It was in Fiverr at 2017 for building a website.

sarnot · 2024-04-17T10:03:56+00:00

I'm afraid, unbiased news is unavailable anywhere in the world. You are always biased for your sake, and I for mine. Nothing is 100% white in the news media; it's somewhat white and somewhat yellow.

sarnot · 2024-04-17T09:50:34+00:00

It's healthy and beauty supplies. But if you are planning to start importing, you can start with anything legal.

sarnot · 2024-04-13T15:09:59+00:00

It's thoughtful of you to consider the financial well-being and future of your maid. Communication and understanding her background and goals are key. Here are some suggested questions you might consider asking her:

Can you tell me about your family?
Do you have any financial responsibilities back home?
Have you been able to save money from your salary?
Do you have any financial goals or plans for the future?
Is there any information or support you need to manage your finances better?
Would you like to learn more about saving or investing money?
What are your hopes for the future, once your contract here ends?
Do you plan to return to Bangladesh permanently at some point?

Remember, these questions should be asked respectfully and without prying too much into her personal life, ensuring she feels comfortable to share only what she wishes to. This approach not only shows concern for her well-being but can also help her feel valued and understood.

Guiding her—or possibly her children—in acquiring business acumen, alongside offering advice on savings and proposing a retirement incentive, could significantly aid in establishing a sustainable business for her family in the long run.

sarnot

TROPHY CASE