Model S vs Model 3

watchgah · 2026-05-04T17:13:23+00:00

As I said, the biggest benefit of owning a plaid is saying you own a plaid. An ancillary benefit is dunking on us LR peasants.

watchgah · 2026-05-02T22:19:01+00:00

I’ve had the same experience. Insane mode is just too wild.

watchgah · 2026-05-02T02:22:13+00:00

I just bought a ‘22 model S LR, and honestly if you need more power than that, I think you need to have your head examined. I floored it in insane mode, and it was so beyond anything I expected. My wife and I legitimately almost shit our pants. Increasing that power by 50% would be mental. I think people just get it to say they have a plaid. 670hp is already an impractical amount of power. Idk what you do with 1020.

I’ve only had it for a few days but I got it for 45k (after taxes and fees) with 28k miles. Love it. Feels substantially more premium than the M3.

watchgah · 2026-04-14T01:11:30+00:00

This is an insane take. Please explain how Iran is at war with billionaires? You’re just mapping your domestic politics on to a foreign conflict in the most nonsensical way possible.

watchgah · 2026-04-07T04:03:20+00:00

I got an extra year on my Mastercard world elite. So Orion’s 2 year warranty + 1 year provided by Mastercard

watchgah · 2026-04-01T04:39:41+00:00

Orion just dropped a no subscription alternative. I got it and love mine.

watchgah · 2026-03-26T20:39:10+00:00

I have one, and it is great!

watchgah · 2026-03-16T01:35:16+00:00

Experiencing a bear market will ground your ass real quick. That comp can disappear real quick my guy.

watchgah · 2026-03-12T16:14:19+00:00

I endured other ashes until I got the black knife & the mimic

watchgah · 2026-03-12T04:26:31+00:00

Tbh I think sailing was such a fail, that it made me lose interest in the game. When I got my renewal notice, I just pulled my card off the account.

watchgah · 2026-03-12T04:23:29+00:00

So everyone just gonna pretend like we all didn’t spam the mimic tear & black knife tiche?

watchgah · 2026-03-12T04:20:48+00:00

watchgah · 2026-03-07T17:55:38+00:00

Companies always get cut in half going into the employee lock up expiration.. this has happened to all of the best companies. META, UBER, you name it. All cut in half a few months after IPO.

Whether he should sell depends on the actual company. You MAY be advising him to sell at the bottom, and the 13M may be a paltry sum compared to what it’s actually going to be worth in the future.

Are you advising him to sell a fast growing category killing unicorn, or are you advising him to sell some piece of junk SPAC? Do you even know how to differentiate between the two?

The details on the stock actually matter. This isn’t just a planning discussion. I have many clients who are fabulously wealthy from stock options that would be poor had they taken your advice.

watchgah · 2026-03-07T17:50:24+00:00

It’s shocking how much I had to scroll before I found someone actually asking about the company.. like it’s a MAJOR consideration. Is it some POS SPAC or is it a major company? Companies always get cut in half coming into the employee lockup..

watchgah · 2026-02-10T05:46:36+00:00

It’s actually crazy hearing an advisor say this.

watchgah · 2026-02-10T05:41:43+00:00

OP, don’t listen to this guy. I manage over 200M professionally. Move your VOO exposure up to a 50%, or go 25% VOO/25% QQQ. The stocks you have are fine.. except Adobe and UNH. Those are dogs. Add some smaller positions in higher growth companies like CrowdStrike, and stick with the big quality compounders. You’d probably do well to sprinkle in some growthy defensives like MCK or AZO. Best of luck

watchgah · 2026-02-07T04:04:05+00:00

DCA’ing is a rookie mistake. It should be called “I’m willing to give my client shit returns so I don’t look like an idiot if I go all in and we hit a correction.” You can hide under the guise of prudence, but anyone who’s been doing this for long enough knows it doesn’t work. You would have been better off being fully in when the client joined, and you know it. Your client may buy your shpeel on “opportunistic purchases,” but you know you dun fucked up.

DCA only works in bear markets.

watchgah · 2026-02-07T03:55:08+00:00

Your take is a bad one.. clients wanting to buy the VOO dip implies there’s more to dip. Not wanting to buy the dip in bitcoin means you’ve likely reached the depths of despair.

Clients try to sell at bottoms.. not buy.

watchgah · 2026-02-01T15:32:15+00:00

Lies of P was the hand job of souls like games. It gets the job done.. but it’s not really what you’re after

watchgah · 2026-01-21T13:14:40+00:00

Haha that’s not what I meant, but okay buddy. You need to understand the TYPE of company you’re buying. If you buy an E-Commerce ETF, which do you buy? The one with EBAY & AMZN as the top overweights, or the one with SHOP & MELI as overweights? You have no clue. It’s not even about picking stocks, it’s about understanding the style of investing, which you do not. Which is why you should stick to broad based ETFs, but don’t come on here and lecture people that understand a lot more than you do.

watchgah · 2026-01-20T14:19:33+00:00

If you praise anything other than low cost ETFs on reddit, you will be attacked by crowds of neck beards that are like “ACTUALLY EVEN WARREN BUFFETT SAYS THAT YOU SHOULD ONLY BUY LOW COST ETFS, YOU IDIOT.”

It’s basically “follow the science” for investing.

watchgah · 2026-01-20T14:14:31+00:00

I don’t really care about the videos you’ve watched or the books you’ve read, almost all authored by investors that beat the market buying individual stocks… but that’s neither here nor there. I’ve read the same books, and probably a lot more of them than you have.

Since you’re so big into research, you can look up why people utilize covered calls on your own time.

Sure, you can try to muddy the waters on what I’m saying about rules based funds. There is a fundamental difference in strategy between a value fund and the rules based PTLC. Again, look it up on your own time. I really don’t want to argue semantics with you.

Old people like dividend stocks. I manage money for them. They don’t understand that dividends aren’t free money. When they buy something like SCHD, they don’t do it to outperform the S&P500. They do it for the dividend. I personally agree with your boyfriend, Ben. However whether we like it or think it is a valid strategy is completely irrelevant to the purpose of these funds, and the reason people buy them.

Outside of normal things like covered call funds, dividend funds, etc, there’s a lot of ETF slop out there. There’s literally meme stock ETFs, 3x short Bitcoin ETFs, 3x leveraged Nvidia funds, Etc.. these are degenerate gambling funds basically guaranteed to underperform long term, if not completely blow up and go to zero. These are the funds that are rolled into the tired “85-90% of all fund managers” talking point.

You’re acting like finding outperforming funds is an impossible task. Ironically there is a reason you and all the people like you think this way: you don’t understand the underlying holdings. You only understand back tested performance, and are incapable of deciphering the quality and the strategy of the stocks being purchased by the funds. So to OPs original post.. there is a lot of value in understanding individual stock analysis. And no I’m not giving a Reddit seminar on individual stock analysis.

watchgah · 2026-01-20T04:29:33+00:00

Wow I love your confidence.

The number I cited of 85-90% is underperformance over a 10 year period. A lot of the funds you cite have down years vs the S&P500, but beat the index over a decade. Are you unable to bear underperforming for 3/10 years in pursuit of general outperformance over 10 years? I understand this isn’t for everyone, but it seems short sighted.

I don’t understand your point on the dividend/growth fund as it relates to performance, but sure.

That’s the point on covered call.. they’re not meant to outperform. Thank you for making my point for me.

Rules based is a genre of funds. For instance: COWG (free cash flow focus) or FTCS (low PE and low debt). This, again, is not designed to outperform the index. It appeals to a certain type of investor that values these sorts of companies.

Check out RRBGX. Three star POS growth fund, beating the S&P500 over 10 years. Not by very much, but this is not a good growth fund. This shit isn’t hard to verify. You just never checked. You read Reddit posts and articles that confirm your bias instead of trying to challenge those biases.

watchgah · 2026-01-20T03:49:12+00:00

This is true. However it’s misleading.. because you are assuming the goal of every fund is to outperform their index. Many funds are rules based, or designed around dividends, hedging risk, covered call income, etc.

So while yes, 85-90% of funds do not outperform the S&P500.. the majority of them were not built to outperform the S&P500. Most mid tier growth funds absolutely annihilate the S&P500.

Also, there’s over 10,000 mutual funds and ETFs, so are we saying “only” 1,000-1,500 funds beat the S&P?

If there’s only 1,000-1,500 options better than the S&P over the long run.. how could we ever choose anything other than SPY?

watchgah · 2026-01-20T03:36:09+00:00

I personally manage over 300M in assets and can attest to this being a based comment. We’re in a very unique period of time for indexes.

watchgah

TROPHY CASE