Rawk
@Rawk_FI
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Project Manager by trade. Enjoyer of life by passion. In pursuit of the ultimate goal - control of my time.
Georgia, USA
Joined November 2021
I'm in my 30s now but if I was back in my early 20s again just starting to invest, these are the areas I'd build my portfolio around: . 1. S&P 500. This is what I'd want the foundation of my portfolio to be. Buying the haystack of the top 500 US companies. Fund Examples: $VOO,.
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S&P 500 predictions made at the end of 2023 for 2024: . - JP Morgan: 4200.- Morgan Stanley: 4500.- Bank of America: 5000.- Goldman Sachs: 5100.- Citi: 5100 . S&P 500 as of today: 5,930. And for the better part of the last month, 6000+ . Your casual reminder that no one knows what.
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@DailyLoud Probably waited to give it after the finale aired? Seems like something a show would do. Also, how did the other contestants pretend like Mai was the bad guy for trying to go after Ashley when she did Trey dirty like that on the glass bridge challenge?.
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Withdrawal rate for each portfolio size based on the 4% rule: . $1,000,000 = $40,000 per year .$1,500,000 = $60,000 per year .$2,000,000 = $80,000 per year .$2,500,000 = $100,000 per year.$3,000,000 = $120,000 per year . The 4% rule is good guideline but that's what it is, a.
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My wife said I didn’t need to get her anything for Valentine’s Day. Don’t worry, I’m not falling for that again.
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I have a Robinhood account really just to look information up. No money on there. Say what you want about $HOOD but their UI is second to none.
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Health Insurance is so frustrating. Grateful to have it but you go to the Dr. Pay a co-pay. Then wait for a bill to trickle in, which you don’t know what it will be. Why can’t you just know what you’re gonna owe early on?. There’s gotta be more transparency in that space.
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Portfolio withdrawals using the 4% rule:. $1,500,000 = $60,000 per year .$2,000,000 = $80,000 per year .$2,500,000 = $100,000 per year.$3,000,000 = $120,000 per year.$3,500,000 = $140,000 per year. Some people say the 4% rule is too conservative. Some people say it’s too.
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Glacier National Park is the most incredible place I’ve ever been. Well, so far that is. Quite literally felt like another world. Going to the sun road might be the most stunning drive in the US too. Certainly lives up to the hype. What are some other places that live
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I will forever be a cheap sunglasses guy. I get the appeal of having a nice expensive pair. But the $20 target sunglasses look just fine to me. I’m also highly likely to loose them. That might be more of a "me" problem though.
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My parents always told me to make sure I had physical cash stashed away in case the grid went down in an emergency. We usually keep at least a few hundred bucks with an “oh shit” kit. Is this something most people do or are we just a little crazy?.
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Performance of popular ETFs in 2024:. - $VOO: 26.05%.- $VTI: 24.80%.- $QQQ: 29.78%.- $SCHD: 7.46%.- $VUG: 37.27%.- $SCHG: 39.42%.- $VXUS: 3.66%.- $VWO: 9.55%.- $IWM: 11.46%.- $VB: 14.27%.- $AVUV: 7.86%. Large cap growth has absolutely dominated this year.
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Opinion:. Maxing out your 401(k) when you're young is overrated. I'm all for investing heavily but I want more flexibility with my funds. Its up to the match then into the taxable for me.
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What’s stopping you from buying 35 Acres in Colorado and going off grid? . ( Says my internal dialogue )
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Is it just me or does everyone else hit the lock button few extra times when locking their car? . I gotta hear a few unnecessary beeps before I feel confident that the car is truly locked lol.
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We’ve owned our home for just over 2 years now. In that 2 years only $5,985.12 has been paid towards the principal loan amount. Right now more than 70% of our mortgage payment is going to interest. I know that will decrease and the amount going toward the principal will.
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Hiking has grown to be a real passion of mine the last couple years. I was born and raised in Florida. Grew up going to beaches and swimming in springs. Never thought I’d become a mountain person. At the end of 2020, I moved to Georgia and started hiking in the North GA
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The Traditional 3-Fund Portfolio: . - $VTI - Total US.- $VXUS - Total Int’l.- $BND - Bonds. The X 3-Fund Portfolio:. - $VOO - S&P.- $QQQ - Growth.- $SCHD - Dividends. The Big Small Dreams 3-Fund Portfolio: . - $VOO - S&P.- $AVUV - Small Cap Value .- $VXUS - Total Int’l. Grok.
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My investment allocation by account:. 401(k):.- 100% S&P 500 . Roth:.- 85% S&P 500.- 15% Total International. Taxable:.- 70% S&P 500.- 15% International.- 10% Small Cap.- 5% Nasdaq 100 . Crypto:.- 55% BTC.- 35% ETH .- 10% Alts . Overall, 90% or so in index funds, and 10% in what.
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@MarketPalmer_ Get ready for everyone to ask if you’ve ever looked at an amortization schedule lol . I made a similar type post a few months ago and that was like 70% of the comments 😅.
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Top Household Income Percentiles in the United States: . Top 10%: $234,769 .Top 5%: $315,504.Top 1%: $631,500.
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My Top ETF Pick for 2025:. $VOO. Spoiler alert…. It’s the same every year.
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@unusual_whales If a masters is something you really want, best to have an employer pay for it.
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Have you ever booked a trip on a whim to a random city based on what flights were available? . We’ve done that once before and it ended up being one of our favorite trips. In late 2021, we were in a bar just having a drink. My wife and I had been talking about our itch to go on
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If you’re a young adult still living with your parents, saving a ton, don’t take it for granted. In hindsight, I wish I would have stayed living my parents longer than I did. I didn’t have to leave but I just wanted to get my life started. Be an adult yada yada. I went.
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@JoePompliano @GiulyDuchessa Been waiting to see what the deal looked like. That’s insane money.
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Investor math is not hesitating to buy $1,000 worth of $VOO but hesitating to buy a pack of new socks or underwear for $10…. Even though you desperately need it.
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We’re coming up on our first renewal with our tenants. They’ve been good renters. If they want to renew, we’ll keep the rent the same. Would rather have them stay than try to squeeze a few more dollars out of rent and have them leave. We may even try a longer lease this.
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Vanguard ETF Cheat Sheet:. - $VOO: S&P 500.- $VTI: Total US.- $VUG: Growth.- $VGT: Tech.- $VYM: Dividends.- $VTV: Value.- $VO: Mid Cap.- $VB: Small Cap.- $VNQ: REITS.- $VXUS: Total International.- $VWO: Emerging Markets.- $VT: Total World. No need to overcomplicate. Just a few.
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We recently tried Aldi for the first time. Prices are cheap but it seems to lack a lot of options. I can see why it’s a frugal fan favorite though. Aldi Shoppers, I gotta hear what the game plan is. Do you get everything there? Or get certain items elsewhere?.
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I’ve never actually heard someone in person say that 401(k)’s are a scam. Only online. Guess I just haven’t had the pleasure yet in real life 🤷♂️.
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The older I get, the more I realize just how valuable creating memories are. I spent the majority of my 20s always looking towards the future. Now that I’m getting a little older, my sense of urgency to capitalize on the moment is growing. Pendulum is shifting, so to speak.
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My wife said we need to go on a tropical vacation. We’ve been setting aside some money for a trip in 2024. Where should we go?.
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@unusual_whales Dang. I’m sure they deserve it too. I’ve got to imagine managing a Walmart is not for the faint of heart.
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Serious question. Do the rich really not want people to know how to build wealth or is that just something people say?.
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I make my coffee at home to save money, that’s part of it. But the biggest reason is that I want my coffee as soon as I wake up. I don’t want to wait 🤷♂️.
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The biggest benefit of X to me is building a network of friends and like minded individuals. I don’t have many “money minded” people in my personal life. Just here to connect with others and grow. I’ve got nothing to sell.
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Dave Ramsey has mentioned his portfolio allocation consists of: . -25% Growth.-25% Growth and Income.-25% Aggressive Growth.-25% International . Now he doesn’t mention specific funds, but using Vanguard ETFs it could look like:. - 25% $VUG - Growth.- 25% $VIG - Dividend.
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Genuinely happy for the people that have a 3% or sub 3% mortgage rate on their home. Who knows when we’ll see rates like that again. Not every homeowner has a mortgage rate this low though. I don’t. ~4.8% over here. Felt high at the time but not so much now in hindsight.
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An ETF I think doesn't get enough love here is $VIG, Vanguard Dividend Appreciation ETF. Top 10 holdings are:. 1 $UNH .2 $JNJ .3 $MSFT .4 $JPM .5 $V .6 $PG .7 $HD.8 $MA.9 $PEP.10 $KO . 10 yr performance: + 159%.Yield: 1.94%.Expense ratio: 0.06%. Any $VIG holders out there?.
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A job you love can quickly turn into a job that you really don’t like. - You get a new terrible boss .- Company Reorganizes.- Layoffs happen . I haven’t been around a long time but I’ve witnessed all of these. Happy for anyone who loves their job but it’s worth building an.
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Most of our friends are in the their early to mid 30s. A few have one child but most don’t have any kids yet. We are in this camp too. We want kids but still look at it as happening “one day”. Could be a product of our circle and where we grew up but this seems to be more.
Millennials having fewer kids could be a drag on the economy for the next decade, per BI.
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Here’s a breakdown of our costs from 3 days/4 nights in Utah and 1 day/1 night in Vegas. Utah (Zion/Bryce Canyon) . -Airbnb: $398.-National Park Pass: $35.-Narrows Gear Rental: $135 (probably could have gone cheaper) .-~$50 Gas.-~$100 Food & Misc. Vegas. - Hotel: $246 (Encore
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We’ve spent $2,520.74 on groceries year to date. Jan: $670.19.Feb: $689.86.Mar: $533.57.Apr: $627.12. Averaging $630.19 for 2 people a month so far. I think this isn’t that bad nowadays? . We’ve been reverse budgeting for years, but this past new years, we thought it would be.
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I can either pay the full $5,000 for my braces upfront or I can make monthly payments of $200 per month with 0% interest. Which one would you choose?.
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The day I realized I was better off buying index funds instead of trying to pick stocks. Was the day it clicked for me. Low effort with solid results. I wish more things in life were like that.
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The older I get, the more I'm interested in the idea of buying land. That's just what eventually happens, right?.
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I’m trying to get to that level where I’ll pay the bill at dinner without even looking at it.
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I’m sipping my morning coffee. Telling myself I need to get my tax docs together and not wait until the last minute. First year with a rental property in the mix. Trying to decide if I want to DIY my taxes again or hire someone now. RE friends, how do you handle taxes?.
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Dividend ETFs I feel are undermentioned:. 1. $DGRO Core Dividend Growth .2. $HDV High Dividend Yield.3. $VYMI International High Dividend Yield .4. $SDY S&P Dividend Aristocrats. What others would you add?.
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Am I the only person who’s been on X for more than a year and isn’t monetized?.
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I’m all about investing in travel experiences but one travel experience I don’t care for at all are…. Cruises. I can understand the appeal but to me you’re just trapped on a little floating city with tons of people. Yes you can get off but only for a limited of time before you.
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We recently spent a week and a half exploring and hiking in Arizona, Utah, and Nevada. One of the best trips we’ve ever taken. I’ve had a few people ask about it so I thought I’d share the highlights. 🧵.
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The taxable brokerage account. The main purpose of this account, for us, is to have the option of retiring before traditional retirement age. Or keep working if we went. Work optionality is the goal. Another less exciting purpose for this account could be an extended “oh.
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We are a one car household. In 2021 when I went fully remote, I sold my car. I’ve since gone back to work in a hybrid setup but my wife is still fully WFH. With at least one of us fully remote, we still only need one car. We are truly fortunate for that. This means the.
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Investor Math is not thinking twice about buying $1,000 worth of $VOO but not buying a pack of new socks or underwear for $10…. Even though you desperately need it.
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Went out to dinner last night. Tore up a heaping plate of food then did a little “pre-buss” of the table afterwards. Stacked up all our plates (utensils on top), gathered trash, etc. Something we just do automatically. It’s the former restaurant/hospitality workers in us.
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My parents bought a home right before the GFC for $350K. It was sold about 10 years later for $380K. Today the zestimate on that home is ~860K. I know you’ve gotta take zestimates with a grain of salt but damn….
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At this point in my career, I’ve witnessed 2 instances of someone being let go in their 50s before they hit retirement age. What’re they supposed to do in that situation? . Definitely sent a shock to the system. That’s why we’ve made it a goal to be financially secure by or.
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We’re booking our first trip for 2024. We prioritize travel pretty heavily and budget for them well in advance. Even then, when it comes down to actually booking the trip, I hesitate. I’ve planned, I’ve saved, I’ve been wanting to go…. As a serial saver and investor, it’s.
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The 3-fund portfolio is a simple investing approach inspired by the great Jack Bogle. I’ve modeled my own portfolio after it. Here’s a rundown of its make up:.
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Vanguard is one of the largest asset managers in the world and is the pioneer of the low-cost index fund. Some of their most popular ETFs are 👇. $VOO S&P 500.$VTI US .$VTV Value.$VUG Growth.$VIG Div Growth.$VYM Dividends.$VXUS Int'l. What is your favorite Vanguard fund?.
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Is it just me or is smoking becoming re-popularized? . I feel like I’m seeing it everywhere again. Seems to be featured in a lot of new media these days.
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Withdrawal rate for each portfolio size based on the 4% rule: . $1,000,000 = $40,000 per year .$1,500,000 = $60,000 per year .$2,000,000 = $80,000 per year .$2,500,000 = $100,000 per year .$3,000,000 = $120,000 per year . The 4% rule is meant to be a guide not an absolute.
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There is a big difference between arrogance and confidence. I am a firm believer that…. Confidence + Humility is a superstar combination.
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The most amazing place we’ve been in the US so far is…. Glacier National Park in Montana . Montana in the summer time is on another level. Any other place in the states that might top this? . We’re actively trying to nail down trips for 2025.
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Today is our 3rd wedding anniversary. Been together for more than 7 years now. Grateful to have someone who shares many of the same passions I do. And to have someone who keeps me grounded. Lords knows I’m a classic over thinker. Time flies. Soak in those memories!
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Having been on both sides of fully remote work and now hybrid work post pandemic…. I’ve realized how important regular social interactions are for me. As an introvert, it’s taken me some time to accept that. The hybrid set up is just enough to fill my social “bucket”.
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This is the first day in years that I’ve haven’t had a cup of coffee. I might be $5 richer but I’m cranky. Not worth it….
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As a rookie landlord, I’m here to say Real Estate is not passive. However, it’s much less active than other means. There is levels to “passive”.
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Added a new item to the things that are worth spending a little extra money on list……. Pasta Sauce 🍝. We eat pasta all the time and just recently started buying the pasta sauce from the “top shelf” in the grocery store. Wow. Just wow. Hard to go back now.
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There is no shortage of options for ETFs these days. Some popular ones include:. S&P 500:.$SPY.$VOO.$IVV. Total US:.$VTI.$ITOT.$SCHB. Growth:.$QQQ.$VUG.$XLK. Small Cap:.$VB.$IWM.$SCHA. Dividends:.$VYM.$SCHD.$DGRO. International:.$VXUS.$IXUS.$VWO. Feel free to add your favorites!.
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Confession:. My wife and I still have our separate checking accounts. It’s not for any particular reason other than we were too lazy to combine them originally and just left it like that. Everything else is shared (Savings, brokerage, credit card, etc.). Works fine for us.
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Car payments get demonized on here a lot. Buying in cash and having no car payment may be an ideal setup but not everyone can do that. I would venture out to say a large portion of people aren’t in a position to do that. I think it’s more about maintaining a healthy debt to.
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Being frugal and being cheap are two different things. Where do people cross the line from being frugal to cheap?.
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Our goal is to be job optional by the time we hit 50. So far in my career, I've witnessed 2 instances of people being let go in their 50s before they hit retirement age. Completely blind sighted them but unfortunately I think this happens more than people realize. That’s.
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Here are the S&P 500 predictions for 2025: . - Fundstrat’s Tom Lee: 7000.- Morgan Stanley: 6500.- Bank of America: 6666.- Goldman Sachs: 6500.- Deutsche Bank: 7000.- JP Morgan: 6500.- UBS: 6600. S&P 500 as of today: 6040. For the average long term investor, there’s no need to pay.
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I’ve been on Personal Finance Twitter (X) for a little while now. There is a lot of people that come here to learn but I like to think the majority are here for the community really. Most people in this space are already really into this stuff. I’ve learned a few things.
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Opinion: . The quickest way to grow on finX is to give bad money advice. Funny how that works lol.
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This past week I overheard a conversation between a group of retired folks talking about, you guessed it, retirement. We were all staying at a bed and breakfast and had just come down for some coffee. First thing I hear is, “early retirement is a worthwhile pursuit” . I’m.
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Say what you want about Finance Twitter (X) but…. The community is quick to call out harmful finance takes and disingenuous money advice. I can appreciate that.
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What do you think holds most people back from achieving their financials goals?.
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The older I get, the more I’m willing to pay for convenience. Maybe I’m just maturing more or maybe I’m not as frugal as I thought I was.
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Opinion:. The single most important skill to have as a successful leader is a high degree of emotional intelligence.
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@JoePompliano Love to see these kind of moves by sports team. Hope he gets the help he needs.
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My emergency fund is my defense . My investment account is my offense . These go hand in hand ✋.
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A long term investor: . - Has a plan .- Is patient .- Can stomach volatility .- Thinks long term .- Stays in the market.- Ignores the noise .- Utilizes the power of compounding. Long term > Short term.
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An emergency fund is protection for your investments. Having cash on hand prevents you from having to sell investments to cover emergencies . Don’t underestimate the e-fund 🤙.
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Anyone else getting 2021 mania vibes out there? . - Crypto pumping. - YOLO stock positions. - Predictions to the moon. - Group chats talking about the markets again. Good time to say, don’t let yourself fly too high.
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“Money Changes People” . I think there is some truth in that statement. But I am more inclined to think money amplifies the kind of person an individual is, rather than changing them altogether. Whether that’s for better or worse. Maybe I just haven’t spent enough time.
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The interest rate on our mortgage is 4.8%. We bought a home in the first half of 2022 when interest rates started to rise. Felt like we missed out a bit. Everyone else seemed to have a 3% Int. rate (or at least the ones who talked about it). 4.8% looks pretty good right.
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We almost always tip our housekeeper when staying at a hotel. Tipping culture has gotten a bit out of control lately, I get it. But this is something we’ve been doing for years. I worked in Hotels for a while and have witnessed firsthand how tough of a job Housekeeping is.
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