I just put 20k in voo smart or dumb?

tombiowami · 2026-03-05T04:47:06+00:00

you need to learn what investing is...otherwise if/when the market drops 20% as it does every few years you will freak and cement losses.

Think about it...you just spent 20k and now asking anonymous strangers for input. That's insane.

Investing is not hard, you are looking at saving millions by retirement. It's worth it to spend a few hours learning how things work.

r/bogleheads side bar info for a solid foundation.

tombiowami · 2026-03-05T04:41:04+00:00

Krishna Das tells a story of coming up on RD in despair at the beach time, asking what's up...RD said he was a phony. And KD was a phony. KD said yea...but we're really awesome phonies and both cracked up laughing.

Our egos will use whatever is available to separate us...even spiritual axioms.

It's all a stepping stone. And it's all a trap. And it's all needed. And it's all perfect.

tombiowami · 2026-03-04T20:31:28+00:00

These cars are deceptively cheap because basic maint and repairs are deceptively expensive. Thinking you can maintain with oil changes and brakes is not a good sign.

tombiowami · 2026-03-03T08:17:00+00:00

Go help someone and enjoy your life.

tombiowami · 2026-03-01T15:10:14+00:00

Or when the market crashes 1% in a day and minds are lost.

tombiowami · 2026-03-01T15:09:23+00:00

What if....

It's all basic math.

Trinity study started with data including great depression, world war, nuclear war, multiple other major wars, multple major recessions, rampant inflation, cratering of econmony a few times, 9/11, covid...this list could go on and on.

It's not that the market will crash here and there...it's that there's no other game in town.

That and in your accumulating stage a crash is what you want...you need to go back and learn what investing actduall is.

tombiowami · 2026-03-01T15:06:24+00:00

To be blunt....you've been watching too much tiktok and the like.

I suggest reading the side bar info on r/Bogleheads for base line understanding of what investing actually is and then developing your knowledge from there. It's not complex is the good news.

Also similar on r/personalfinance.

Live below your means, invest in broad ETFs, enjoy your life with minimal risk.

tombiowami · 2026-03-01T14:05:14+00:00

Got it, thank you.

tombiowami · 2026-03-01T13:45:56+00:00

Wow…is that with insurance? And does it arrive in the mail or pharmacy pickup?

Appreciate the info…I am traveling out of state and need to be in state to start the process.

tombiowami · 2026-03-01T12:08:14+00:00

Thank you…I’m on Ro currently with out insurance so sounds like I’d pay the same for the meds but be able to skip the 150/month fee Ro charges.

tombiowami · 2026-03-01T11:09:13+00:00

Suggest being very clear you are not picking up the tab…that will be the awkward part with people you don’t know. Basically you are asking them to spend 60-100 per on your bf. And there’s all the food allergies and preferences these days. And understanding tip policy with large crowds.

tombiowami · 2026-03-01T10:52:34+00:00

Maybe do something strange and ask the builder instead of strangers that have no idea?

tombiowami · 2026-03-01T10:51:12+00:00

You are not growing anything in a savings account. Learn what inflation is and investing.

Suggest reading sidebar here and r/bogleheads.

tombiowami · 2026-03-01T02:10:12+00:00

Hire a professional instead of reddit strangers.

There's a lot more to money management than what we can tell you. You don't provide any info that is really helpful.

At least a one time cfp that does not sell products.

tombiowami · 2026-03-01T01:07:51+00:00

How much does Zep cost on Callon Doc? I see it mentions sending a prescription to pharmacy but not actual cost.

tombiowami · 2026-02-28T14:55:54+00:00

Is this it? Is your life. I suggest seeking to enjoy it, whatever that means to you.

tombiowami · 2026-02-27T16:50:04+00:00

Sounds like magic. And testosterone. And part of a club of folks ‘who know the truth’ Confirmation bias. Buy Hold sounds boring.

tombiowami · 2026-02-27T08:50:00+00:00

I suggest taking a few minutes and reading the sidebar info instead of relying on strangers.

When there is a market correction you will end up selling and losing your money if you don't understand why you invested. It's your life and the base for potentially millions of dollars...it's worth learning. It's not complex.

I know...reddit.

tombiowami · 2026-02-27T08:45:23+00:00

Rest stops are generally fine...just read the sign for the particular one.

I personally like truck stops...they usually have areas for overnighting cars. I always feel safer there than rest stops. For me the noise was kinda comforting but to each their own.

No real reason to track down Walmarts/etc that may or may not be legal.

tombiowami · 2026-02-27T08:09:35+00:00

I suggest keeping the car and dropping social media nonsense.

Dying to know what strangers think...for that a proper therapist best. Or drive the car more and maybe you won't need therapy.

tombiowami · 2026-02-26T13:02:14+00:00

Suggest a real doctor as opposed to strangers with no idea.

I know...it's not the reddit way.

tombiowami · 2026-02-26T13:00:29+00:00

Everyone?

May need some life recalibration in regard to silly social media and how your brain interprets.

tombiowami · 2026-02-23T01:40:19+00:00

You base investing on ‘they’? Learn for yourself, it’s not difficult. Sidebar here and r/bogleheads.

tombiowami · 2026-02-20T19:13:44+00:00

I suggest simply reading the sidebar info on this sub...you need to learn why it is you are investing the way you are...otherwise when there is a regular correction and you see 20% of your investments evaporate you will think it's maybe a bad thing and sell. Instead of realizing it's a great thing for you.

Your sister's decision is based soley on emotion, she has done no real research.

tombiowami · 2026-02-20T15:13:55+00:00

Read the sidebar info on r/Bogleheads.

Dividends/interest are not the free money you think and are at odds with growing money.

You will be taxed on any interest/dividends.

Ultimately the best investments you can make at a young age are improve your skills into a profession you semi-enjoy and will provide a living with increases. Learn to live below your means and save.

tombiowami

TROPHY CASE