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Posted
6 hours ago, Seger78 said:

I've been consolidating accounts and just rolled over a couple of 401ks from old jobs into an IRA. Now I'm on the fence about whether to just reinvest everything in VTSAX now, wait on the market to tank more and then reinvest, or do it in chunks of 10% at a time. I know that timing the market is normally a fools errand, but this seems like a bad time drop a bunch of money into an index fund. Thoughts?


https://www.linkedin.com/posts/warren-pies-erp-1b999437_sp-500-correction-sp-500-is-now-down-activity-7309213351157350400-fXdv?utm_source=share&utm_medium=member_ios&rcm=ACoAAAGRWrQBymqxzFJzQhzqZNQv3ko0-gSKFeQ

Posted (edited)
On 3/20/2025 at 10:36 PM, Anastasis said:

My primary screener in my trading accounts (unless you are BRK) right now is dividend yield. I am not really interested in hodling unless you are kickoff off cash to reinvest.  

Have you heard about OMAH from VistaShares? Just opened up this month, I was looking to eventually add it to a Yieldmax, Kurv, NEOS account I've been amassing.

Edited by StassneyHorn
Posted
2 minutes ago, StassneyHorn said:

Have you heard about OMAH from VistaShares? Just opened up this month, I was looking to eventually add it to a Yieldmax, Kurv, NEOS account I've been amassing.

Can you repost this in English? 

Posted

Buffet day from Omaha is going to be interesting this year. I was going to pass but I might go again before it becomes the Greg and Ajit show.

At some point I need to either unload all my Nvidia or just forget about it and let it ride.

Posted

Alright, 25% of the way through the year already. Hope everyone is making progress on their goals. If you got an update, feel free to share.

With this paycheck being the mortgage paycheck, and April 2nd being our new Independence day Tariff Liberation Day, I will not have as many bullets in the chamber to buy whatever dip/fall may occur. My plan is to check around 10 am and if I see any rounding at the bottom put some orders in, or if it is free-falling then wait until 2pm or 230pm to buy. I'd expect a bounce Thursday. Friday I think everyone is expecting a negative job number, so not sure how much red that would deliver if everyone gets ahead of the news on wednesday.

Posted
2 hours ago, VABuckeye said:

Goals have been adjusted.  Still putting a shitload of money away.  I just have much lowered expectations on returns.

I'm pouring money into a sinking market with the hope that in 10 years, maybe we've recovered and I "bought low."

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Posted
On 12/31/2024 at 4:04 PM, bborange said:

1.  Max most of my 401K in the first 3 months of the year then lower take out percentage through the year to get full max contribution from employer.

2.  Get 6 plus gain in market

3.  Save 75K plus in cash by lowering expenses

4.  Last day of work at worst December 31st 2025 for retirement. 

After Q1, looking great on of these except the market gain.   

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Posted
9 hours ago, StassneyHorn said:

Alright, 25% of the way through the year already. Hope everyone is making progress on their goals. If you got an update, feel free to share.

I don't remember what my goals were, but quite certain that at this moment I am less in cash, more market invested, less exp[osure to SPY, and trying to move everything reasonable over to high dividend domestics and BRK. 

Posted
On 4/16/2025 at 2:28 PM, StassneyHorn said:

Happy Paycheck day to all who celebrate. Tossed 1k into the market. State Farm came back $100 better on condo insurance so that was nice. Non eventful day

*$968.60

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Posted

I made a post up thread about having disposable income and wanting to figure out the best way to invest it. 401k contributions have continued as normal but I’ve only put a little in the brokerage account.

Saved myself about 15% on the recent slide but now wondering how long to hold out. Probably going to start dollar cost averaging  2-3k at a time. I can’t see this market going anywhere soon but fomo is setting in.

Posted
On 4/21/2025 at 4:54 PM, Larry T. Spider said:

I made a post up thread about having disposable income and wanting to figure out the best way to invest it. 401k contributions have continued as normal but I’ve only put a little in the brokerage account.

Saved myself about 15% on the recent slide but now wondering how long to hold out. Probably going to start dollar cost averaging  2-3k at a time. I can’t see this market going anywhere soon but fomo is setting in.

Dollar cost averaging into index funds in the brokerage account every two weeks. Pulled the trigger today. Fully expecting a stream of Trump tweets to obliterate me as soon as I get a decent amount in there.

I get a lot of my commissions mid-summer which typically will max out the 401k or get me close. Thats when I truly expect the hammer to drop.

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Posted

My company matches every paycheck so I'm averaging out up and down on my contributions.  It does suck when the market drops enough in a pay period to where your balance doesn't go up from the contribution but the number of shares does.  I max my 401k including catchup but that will change next year with the new catchup contribution rules.  I'll just up my brokerage contributions then.

Posted

Alright gentlemen, another paycheck in, how are YOU paying yourself?

For those with kids, summer daycare expenses may be coming in shortly. For the  older parents, your fat fingered sloths are gonna be home all day using A/C and buying expensive pizzas on DoorDash everyday . Plan accordingly. I had to buy a new A/C system couple summers back, take your free maintenance checks if you have them.

I’m bout to hit a fun accomplishment- 100k in house equity, 100k in individual account, and 100k in retirement account. I’ll be singin Kci and Jojo in a karaoke bar in the Philippines by end of the year.

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Posted
9 hours ago, StassneyHorn said:

Alright gentlemen, another paycheck in, how are YOU paying yourself?

For those with kids, summer daycare expenses may be coming in shortly. For the  older parents, your fat fingered sloths are gonna be home all day using A/C and buying expensive pizzas on DoorDash everyday . Plan accordingly. I had to buy a new A/C system couple summers back, take your free maintenance checks if you have them.

I’m bout to hit a fun accomplishment- 100k in house equity, 100k in individual account, and 100k in retirement account. I’ll be singin Kci and Jojo in a karaoke bar in the Philippines by end of the year.

Time to cash out refi it sounds like (not really, I feel like your first lien is stupid low)

Posted
On 5/1/2025 at 12:35 AM, StassneyHorn said:

Alright gentlemen, another paycheck in, how are YOU paying yourself?

For those with kids, summer daycare expenses may be coming in shortly. For the  older parents, your fat fingered sloths are gonna be home all day using A/C and buying expensive pizzas on DoorDash everyday . Plan accordingly. I had to buy a new A/C system couple summers back, take your free maintenance checks if you have them.

I’m bout to hit a fun accomplishment- 100k in house equity, 100k in individual account, and 100k in retirement account. I’ll be singin Kci and Jojo in a karaoke bar in the Philippines by end of the year.

Keep jammin' man, nice work.

 

Got all 3 of my girls working for the summer, so hopefully the AC bill will be alright.  Getting new homeowners quote now, interested to see what that comes in at.   Still dollar cost averaging working our plan through all the crazy market gyrations this year.  Had to stroke an $85K reader to Uncle Sam a couple weeks ago , so not much dry powder to push more in than the normal.  Did opt to not take out of the 529 a couple months in a row for my oldest's college rent  due to downturn.

Had  bit of good luck taking a nice chunk out a non qualified Vanguard account for a property investment (in Dec) so that saved a paper loss ytd.

  • 2 weeks later...
Posted

Amass net worth (excluding house) north of $4M.

Hopefully I'll have fuck you money by my late 50s. But will probably work until my boy is out of college - assuming he goes to college.

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Posted

Goal has been met.

TLDR - wife and BIL sold company they took over from their father and we can retire early.

Wife and I started a plan roughly 13 years ago. She went to work part time with her dad and brother. We lived off of my salary and just invested what she made. We both knew this little business would one day be a legit small town medium business. It sold last month. Her father had long retired and handed the company to his son and daughter. They grew it to 22 employees and 5x his best sales year.

He started the sale of the business last August and he lost his long battle with cancer in December. His goal was to make sure his wife and kids would never have to worry about money and he succeeded. It’s a bitter sweet success. He would have been proud of them for seeing it through. We are set up to retire in our early 50’s (after the kid gets out of college). We both make too much to quit right now. Plus, she likes fast cars.

Our new goals are to grow this money and safe guard it. We are both still working, so we are still adding to our investments, but not like we were. We are spending some on fun things.

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Posted
14 hours ago, Superhero said:

Amass net worth (excluding house) north of $4M.

Hopefully I'll have fuck you money by my late 50s. But will probably work until my boy is out of college - assuming he goes to college.

Is 4 million in the bank enough to live on for 30+ years in California? You're in Cali, right, or am I mistaking you with another poster?

My comfortable # in Texas to retire in my mid-50's is 5.5.

12 hours ago, Goofyboy said:

Goal has been met.

TLDR - wife and BIL sold company they took over from their father and we can retire early.

Wife and I started a plan roughly 13 years ago. She went to work part time with her dad and brother. We lived off of my salary and just invested what she made. We both knew this little business would one day be a legit small town medium business. It sold last month. Her father had long retired and handed the company to his son and daughter. They grew it to 22 employees and 5x his best sales year.

He started the sale of the business last August and he lost his long battle with cancer in December. His goal was to make sure his wife and kids would never have to worry about money and he succeeded. It’s a bitter sweet success. He would have been proud of them for seeing it through. We are set up to retire in our early 50’s (after the kid gets out of college). We both make too much to quit right now. Plus, she likes fast cars.

Our new goals are to grow this money and safe guard it. We are both still working, so we are still adding to our investments, but not like we were. We are spending some on fun things.

Congrats. This is some version of my goal. Get just enough to live and slowly grow it, and then maybe when we die there's enough left that our son can not worry about retirement as long as I teach him how to grow and safeguard what we leave him. 

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Posted

Congratulations to all who made it, and Happy Paycheck day to all who partake. I hope all your wildest dreams come true and she invites her friend.

In twice as nice news, it will be divvy Friday and I should be receiving $1047 so that’s nice to think about before immediately reinvesting.

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Posted

My (teacher) wife may get a huge bonus, and it may put us over the Roth cap. A nice problem to have, I guess. But still annoying. For now we are ramping up 403b/457 savings to adjust MAGI lower. Next year we may just skip Roth IRAs altogether and stuff the 457 Roth option, but I hate it's not in Vanguard. I dislike Empower (employers vendor) a great deal. Normally at our income pre-tax savings is the way to go, but we will have pensions so there might not be a super low post retirement income. We hope we can never touch our Roth savings, and thay would be what we plan to pass down or help kods out of. 

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Posted
On 5/15/2025 at 6:44 AM, SydneyCarton said:

Is 4 million in the bank enough to live on for 30+ years in California? You're in Cali, right, or am I mistaking you with another poster?

Yes we're in CA. And no, $4M is definitely not enough to last us 20-35 years (my wife has good genes).

I think by the time my boy gets out of college (when I'm 63), we should be north of $10M and able to live without dipping into principle. If I continue to grow my parents' account (which they will pass to me), we'll probably be able to vacation as much as my wife wants.

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Posted

I haven’t hit any lifetime or career goals this year but happy that I’ve already recently completed my larger 2025 goals. Things like maxing out my 401k is still out there but I treat that as an expectation and spread it out over all paychecks so that won’t complete until Dec.

for the rest of the year I’m looking to increase new car savings so I can pay cash/trade-in for the next car. Hopefully not until ‘27 or ‘28.

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Posted
On 5/15/2025 at 8:11 PM, CleverNickname said:

My (teacher) wife may get a huge bonus, and it may put us over the Roth cap. A nice problem to have, I guess. But still annoying. For now we are ramping up 403b/457 savings to adjust MAGI lower. Next year we may just skip Roth IRAs altogether and stuff the 457 Roth option, but I hate it's not in Vanguard. I dislike Empower (employers vendor) a great deal. Normally at our income pre-tax savings is the way to go, but we will have pensions so there might not be a super low post retirement income. We hope we can never touch our Roth savings, and thay would be what we plan to pass down or help kods out of. 

Does your wife not Backdoor, bro?

Posted

Allow me to be the first to wish a Happy Paycheck Friday to all who celebrate. 5 month down already. Hope all you made appropriate summer plans and that your baseball/softball tournament wishes come true. My normal spending is going to have a slight uptick for me this month cause I'm flying to Houston for a 40th wedding anniversary for an uncle/aunt and am keeping tabs on Omaha possibilities again with our baseball team.

Monthly dividends equaled 88% of what my gross monthly paychecks are, so that was nice. 

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Posted
58 minutes ago, StassneyHorn said:

Monthly dividends equaled 88% of what my gross monthly paychecks are, so that was nice. 

I'm envious. I started my own personal dividend fund a bit later in life but it's a goal of mine that, when I retire, dividends will replace ~10% of my last take home pay. I throw a few bucks into the account every so often, and reinvest all dividends. Outside of the reinvestment, I love when the dividends have a >5% annual increase which usually grows the stock price as well.

Posted
6 hours ago, StassneyHorn said:

Monthly dividends equaled 88% of what my gross monthly paychecks are, so that was nice. 

Is this all funds (401k/IRA/Taxable) or just taxable? Congrats either way. 
 

I’m trying to build my taxable account as an early retirement bridge. Right now my taxable dividends are about 40% of my yearly spend

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Posted (edited)

Was an individual taxable account for the dividend account. Once it hits 10k per month n dividends I’ll dial back the  obnoxious posts (I won’t), post less due to rolling brownouts (in the Philippines), but always a good fishing photo from a beach (in Belize).

Will probably move to a 50% growth/50% covered call etf/divvy/BTC approach in the retirement account. I just need to get out here before a woman changes her mind.

Edited by StassneyHorn
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Posted (edited)
19 hours ago, StassneyHorn said:

Allow me to be the first to wish a Happy Paycheck Friday to all who celebrate. 5 month down already. Hope all you made appropriate summer plans and that your baseball/softball tournament wishes come true. My normal spending is going to have a slight uptick for me this month cause I'm flying to Houston for a 40th wedding anniversary for an uncle/aunt and am keeping tabs on Omaha possibilities again with our baseball team.

Monthly dividends equaled 88% of what my gross monthly paychecks are, so that was nice. 

Depending on your rotation, May might be the month you get 3 paychecks.  Feels finding lost money.  Hookers and blow.

Quote

Monthly dividends equaled 88% of what my gross monthly paychecks are, so that was nice. 

I have a dream where my portfolio returns (retirement and non, dividends and appreciation) are greater than my salary.  Gonna happen I know it.

Edited by Parliament
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Posted
49 minutes ago, Parliament said:

Depending on your rotation, May might be the month you get 3 paychecks.  Feels finding lost money.  Hookers and blow.

Putting the mortgage that paycheck completely into investments is always a good feeling.

Posted
On 3/20/2025 at 3:28 PM, Larry T. Spider said:

I made a similar post a while back but have some more concrete numbers to work with now that my wife got a raise. We are early 40s DINKs that have a household income about 3.5x higher than 5 years ago but basically the same expenses. 

This is leaving us with about 5k a month to figure out how to invest. This is after tax advantaged accounts maxed, a healthy emergency fund, and enough to pay for the next car in cash. I also have 15 years paid into TRS, which will pay me about 2k/month when I’m in my late 60s.

These are the options I see but would love others opinions:

1. Brokerage account - dollar cost averaging. Don’t have much in this account because we weren’t making enough to fund anything beyond retirement accounts until very recently. I was a poor teacher for 10 years and my wife wasn’t making much.

2. Pay extra towards current rental property. Owe 130k at 7%. Somewhat recent purchase. House pays for itself plus a little currently.

3. Save for another rental. Currently have about 35k put away for that.

4. Pay extra on our own mortgage. Owe 130k at around 3%. House is probably worth 600k.

5. Hookers and blow.

Additional info. I’m in sales and get a few commission checks a year. Anywhere from 10k to 100k, but usually on the lower end of that range. Need to start planning for that as well. 

Update on this. Have the wife’s IRA fully funded, my roth backdoored, and the 401k set to max out before the end of the year.

Mostly going with the brokerage account for now and dropping in 2-3k a month. Still paying a little extra on the rental mortgage and setting a small amount aside for the next rental. But getting more dollar cost averaged into the market seems more important than anything else right now. Feel like I’m playing catch up from not making a lot for so many years.

Commission season starts in 2 months. That should let me up the DCA amount to 5k a month for the foreseeable future. I still think it will take a few years of maxing IRAs, the 401k and dumping money into the brokerage to feel caught up.

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Posted

Started a new job a few months ago and they are converting me to FTE next week. They offer 457b and 401a with auto 3.5% deposit into 457b and 4% match for 401a, obviously going to get all the free money I can but anything to know about with these vs the traditional 401k I am used to? 

Posted
On 5/15/2025 at 6:44 AM, SydneyCarton said:

My comfortable # in Texas to retire in my mid-50's is 5.5.

I'll probably work at least until 63 when my boy finishes college. That would put me around 9 given the current savings rate and assuming a 5.5% return. Not quite enough to live off of bonds and dividends. Assuming my parents hand off the money I'm currently managing for them (that's their plan anyway), I should be closer to 12 at retirement.

It's all hypothetical anyway. Who knows if I'll still be alive at 63. My dad is 84 and mom is 75. But our families have a history of all kinds of diseases.

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Posted
On 6/11/2025 at 12:52 PM, Superhero said:

I'll probably work at least until 63 when my boy finishes college. That would put me around 9 given the current savings rate and assuming a 5.5% return. Not quite enough to live off of bonds and dividends. Assuming my parents hand off the money I'm currently managing for them (that's their plan anyway), I should be closer to 12 at retirement.

It's all hypothetical anyway. Who knows if I'll still be alive at 63. My dad is 84 and mom is 75. But our families have a history of all kinds of diseases.

9 is a pretty nice number..if im interpreting correct, 30K per mo. income at 4% would be a nice income stream.  Im shooting for about 2/3 of that and retire in 7 (i'd be 62, with all 3 kids out of school) 

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