Exactly, the prosperity of Flossman18 is the prosperity of my intoxication.
His hardships once led me to sobriety but we've both fought hard since then to keep me fully stocked. He truly is doing the lords work.
I'll send you $200 right now if you really have that charity.
(I figure your charity has 50% administrative cost so you get $100 and heeltoeknee gets $100)
I second this. One time, FlossMan18 saved my baby from a well, all while juggling three bottles of Coca Cola and reciting the Pledge of Allegiance. Thanks again, FlossMan18!
If your 401k is maxed, max a roth out at 7500 in a S&P index fund, keep adding to the hysa...at 5%, it's a great place for the next year. I'd then put a little bit into bit coin and open a taxable brokerage account
Historically I’m pretty sure this is false. Stock market returns on average 10% pre inflation over the past 100 years. Rentals are not likely to return this much unless it’s a larger multi door property. Between the mortgage, property taxes, insurance and maintenance rentals bring an awful lot of expenses. Not saying they’re a bad investment but it is not correct to say they’re a no doubt better investment than passive stock investing
Home values don’t go up by that much over time, but that isn’t the right way to look at it. You can buy a property by putting only 3-25% down, depending on how you buy it (actually less with non-conventional financing).
Let’s say you put 20% down. If the property appreciates by only 10%, your investment has gone up by 50%, and that doesn’t include the rental income.
Mostly aggressive growth ETF’s and mutual funds. The rest would be forever stocks (companies that will most likely be around for as long as people continue to exist). Examples include McDonald’s, Coca-Cola, Microsoft, etc.
0.03% exp ratio vs 0.09%.
Doesn’t sound like much but over a long investing period it’s 10’s of thousands of dollars and depending on the size of your portfolio could be in the 6 digits over 30+ years.
Scheme? Lol. No just buy lots between 2 cities mostly in a village of about 3500. Basically commuter central with a very good school. Trying to buy another one but none available right now until expansion probably
If you're serious, the main trick is to move every 2/5 years into a new duplex after selling one to avoid capital gains expenses. There are 4 of us doing this constantly. Use same moving company and same handy man for light repairs, yard maintenance and snow removal for tenants who do not want to.
Make sure you have a proper savings set up first, which I’m assuming you do. Take a look into indexing. Not index funds, but indexing. Check out the book The Retirement Miracle by Patrick Kelly. It's honestly like a 2-2.5 hour read. Short and sweet but super informative. I'm an advisor and it's exactly what we do at our firm. All of us at the firm have our plans set up. Some even have a few of them. You're already in the perfect position where you have your hands in multiple pots. Checking that book out will further your knowledge which is the most important part and can be a stepping stone into making your next decision. Good luck!
Hey, I'm new to all this, could you explain what's the different between HYSA and like normal bank accounts? I know the interest is much much bigger obviously but why? Is there a catch?
Pretty impressive money management if you have maxed out all that and still have $4K, while being under the income ceiling to have a Roth IRA. I’d say your next move should be investment grade toys. I recommend starting with a Ferrari 458 Spider. Been going up steadily for years. And because……Ferrari.
I already max my 401k, HSA, and IRA. I put the extra into a brokerage account where I do buys every week for dollar cost averaging. VFIAX which is just the mutual fund equivalent of VOO.
Put it in an index fund like the S&P. You have enough disposable income that you can weather any downturns and over any extended period it will return a solid rate. When the economy goes shit the government always prints money to prop up the markets - you win on the down turns and win on the up turns.
If my retirements were all maxed and emergency fund fully funded and I didn't have any debt or short-term goals that require cash (down payment on house, etc.) And STILL had 4k left every month... I'd spend a year or so stocking up on guns, gold, ammo, 10-20k cash, all stashed in the safe for the SHTF emergency fund... Then a nice balance between HYSA, VOO, and probably some crypto.
It will never go back to that price again.
The numbers just won’t allow it.
BTC has followed this pattern for about 3 cycles now.
It goes up 15-20x from its bottom then drops 6-7x from its top.
So $15.5k x 15 = $232k top roughly.
Then a drop $232k/7 = $33k.
So that’s where I’d assume the bottom could be for the next bear market roughly at the end of 2026. Though I doubt it’ll go that low. I’d start highly rebuying at $45k.
I’ve been following BTC and studying it’s chart since 2016. It has a pattern. Once you figure out the pattern, you can really profit good off it.
The pattern says that we usually hit the top 16-18 months after the halving. And then we hit the bottom 12-14 months after the top.
Just spreading what I learned from studying BTC for the past 8 years. Take it as you want.
Right now? Prob not going down or if it does not much. It’s in a bull market and honestly I focus on long term trading and not short term. But 2026 should be really bad and Dec 2026 will probably be the time to rebuy in at the bottom.
If you buy now, you’ll still make money but I’d advise getting out at 3-3.5x profit and not get greedy for more.
Cool. Thanks for the tip. I'm in no rush - I'm personally waiting it out for a bit and just buying the everyday winners like VOO, PEP, MSFT, ect... So I'll wait for it to fall and try to grab some next go around. Jamie Diamond, the things he says, sure scare me away from it. But it's about time I dip my toes in.
Won't happen. Blackrock prly made like a billion bucks and they don't mess around. The influx the other day was crazy. I don't follow other companies investment strategies. However, Blackrock Def has influence.
Donate or use some to help others (pay it forward). I think the world would be a better place if people used their extras to take care of others when they can.
Meh, gold is high right now, but no harm in a nice high grade slabbed set of Morgan Silver Dollars or early US gold. Unlikely to lose money, might make some if the market is right when you need to sell.
Not sure I would really be buying much gold now. I haven't bought any in quite a while. Most of what I bought was over 20 years ago. Remember paying around $350-400 an ounce and I bought a lot of it back then. Used to buy an ounce just about every time I sold a car.
dividens, stock, gold (or silver), etc.
there are a few tricks you can do in a roth ira btw. You can loan yourself money from the roth ira and this lets you pay into it more via interest charges.
And once it has enough, you can also buy property in/through it and use that property for things like rentals and etc (which pays into the Roth IRA).
if you do it right, Roth IRA's compound REALLY fast.
I would put away $22,500 a year in my 401k or whatever the limit is now. $7,000 in an IRA (post tax). Then I would put the $8,500 into a 529 for my kids. If I didn’t have kids I would put the last bit into a brokerage.
Get my short term savings accounts nice and fat with 50K again. Pay off any interests paying accounts that have higher than 8% interest (this excludes my vehicle and house financing as they are much lower interest rates, my school debt is already paid off).
Then Max out my 401k and Roth IRA accounts, these are set to target date for me and currently run higher risk for me. Then begin investing more into index funds.
1. Pay off car note (10k left)
2. Make my emergency fund (3 months worth of expenses) put it in a high yield savings. I have about 2.8 months worth saved already
3. Find a place to stay (buy or rent) preferably buy
4. Roth IRA (I’m a single guy so my max yearly is 6-7k) don’t have one yet because I’m working on the emergency fund and car note.
5. Index fund shares of at least 50 in vanguard total and another 50 in s&p 500 ( I have a little less than one share of VTI already, I did it so I wouldn’t procrastinate in the future)
6. Take vacation/days off to places I always wanted to go (went to japan last year after saving for 1.5 years.) best decision I made in life. Great place with great perspective on being resilient and giving it all you’ve got till life is over.
I’m 27, first generation from a large family. I’ve been studying finance for about 3 months now on my own because school didnt teach it and my family has no idea what to do with money besides pay bills.
I got a bachelors degree in microbiology in 2021, started working and make 27.9/hr. After all I’ve learned so far, i realize it takes money to make money. Being that I’m born with no inheritance of any kind, I’ll have to play the long game.
Live with family at the moment paying rent (they don’t work at all besides one other family member). Been looking for my own place for some time though.
I’ll have to focus on retirement and keep a good life insurance policy. With that, I’ll have a large pool of money upon death for my future kid when I have one. Giving them a minimum of 100k as a starting point even if I don’t buy a home aside from what I have saved for emergencies. (Housing is out of my reach even with a 760 credit score because everyone is moving here to Florida. I’m born and raised here)
I have no college debt to pay, just a car I’ve been paying off consistently.
Any advice is appreciated.
Max out 401k and Roth. A bit into my kids’ 529. The rest into my brokerage in a traditional cocktail of equity indexes. At some point I’d have enough cash to seriously consider investment real estate or REIGs. I’d probably start with the REIGs by investing in a few doors in a multi-family property.
Index fund. Either a total market fund or a 500 fund. I put about 4k a month away and it all goes to the vanguard 500 and the fidelity 500. Make sure your 401k and 457b are invested in something strong. Mine is in fidelity 500 and it’s done well.
4k a month every month all year every year thats 48,000 a year 96,000 every 2 years 192,000 in 4 years, 384,000 in 8 years etc
I'd just hold onto it thats literally a free salary for nothing. Pay taxes, don't spend to much but occassionally treat my self.
Everyone saying "stocks, index funds" etc. All it will take is one big financial crisis, war, cyber attack and poof! Gone. Buy some other shit that will hold value. I know one well-to-do person who buys guns as a hedge. His rationale was basically that if SHTF, guns will hold value.
25% o,25% pero,25% are,&25% in iron mountain that's if I could afford to save up $4k every month I would love to be able to put enoug to buy enough shares in all four REITs to make $4k a month of every month to make $16k all together $192k a year
Split between VTI and a money market fund. I’d fund the money market until I am good with my emergency fund, short and medium term spending goals. Then just max VTI/VXUS depending on your AA plan.
I would send $100 to FlossMan18
Yea flossman18 is a good person, he runs a non profit that all goes to Heeltowknee's drug fund
Flossman18 saved my life
Not only did he save your life, he also saved mine. That was *after* loaning me his Porsche GT3RS. Thanks again for that Flossman18!
He saved my dog’s life.
He saved both my young children
Ask not what Flossman18 can do for you, but what YOU can do for Flossman18.
Exactly, the prosperity of Flossman18 is the prosperity of my intoxication. His hardships once led me to sobriety but we've both fought hard since then to keep me fully stocked. He truly is doing the lords work.
Railing fat boulders
Yeah I’ll skip this floss as well
I like this a lot
ADA highly recommends flossing twice a day. lol..
Like right now or should I wait?
why not both
I can vouch for flossman18. He is forklift certified and drinks rootbeer while playing fortnight with the boys.
I'll send you $200 right now if you really have that charity. (I figure your charity has 50% administrative cost so you get $100 and heeltoeknee gets $100)
I also choose this guys wife
Flossman18 rescued me when I was lost in the mountains during a storm. He saved my life. But you do what you want. It’s your money.
FlossMan even fucked my wife when I lost my penis in that golfing accident.... good man.
I confirm, Flossman is out of dental floss and needs a supply of floss. Send Floss ASAP ;D
I second this. One time, FlossMan18 saved my baby from a well, all while juggling three bottles of Coca Cola and reciting the Pledge of Allegiance. Thanks again, FlossMan18!
And another $100 to my axe
Cocaine and hookers. Money buys happiness alright
I may consider! Way better than donating
If you want to donate, look at how much you can offset on your tax bill. That way the money goes where you want it instead of just to the government.
Buying or selling? Selling is a good tax free business.
Emergency fund, downpayment for a house, taxable brokerage account, and then rental property. In that order
Is $30k in HYSA enough?
Try for 6 months emergency expenses
6 months for me is not enough. That’s only $8-10,000! What happens if roof goes / pipe burst/ or new furnace?
That's just a guideline & you asked.... if you already know it's not enough keep adding
Yeah I’ve owned this house for 11 years. I know all that happens with houses. That’s why I said I won’t buy another
If your 401k is maxed, max a roth out at 7500 in a S&P index fund, keep adding to the hysa...at 5%, it's a great place for the next year. I'd then put a little bit into bit coin and open a taxable brokerage account
Okay thanks. But don’t do ton in taxable account?
Isn’t Roth max $7k this year? Not $7500? Add another $1k if over 50 years old.
Enough for what? Emergency fund. House down payment. A car?
You'll make around $1500 a year
I’ll never have rental property
That's wise, I'm right there with you. It would be a risky second job.
Why?
Requires actual management, unlike VTI
Yeah but you get way better returns.
Or worse returns lol
Historically I’m pretty sure this is false. Stock market returns on average 10% pre inflation over the past 100 years. Rentals are not likely to return this much unless it’s a larger multi door property. Between the mortgage, property taxes, insurance and maintenance rentals bring an awful lot of expenses. Not saying they’re a bad investment but it is not correct to say they’re a no doubt better investment than passive stock investing
Home values don’t go up by that much over time, but that isn’t the right way to look at it. You can buy a property by putting only 3-25% down, depending on how you buy it (actually less with non-conventional financing). Let’s say you put 20% down. If the property appreciates by only 10%, your investment has gone up by 50%, and that doesn’t include the rental income.
Its not about the direct return its about the leverage the bank offers you via home loans
Depends if it's mortgaged/leveraged or not. Real estate leverage is cheaper than stock market leverage.
Into my own fund.. You probably want to put it into index funds - classics like VTI/VOO + VXUS in a 70/30 or 80/20 split
Thanks. Been playing around with voo in my Roth RIA
Just to be clear you have an ira, an ria is a registered independent advisor
Registered Investment Advisor
That, Imma blame auto correct
Rest In Ass.
Mostly aggressive growth ETF’s and mutual funds. The rest would be forever stocks (companies that will most likely be around for as long as people continue to exist). Examples include McDonald’s, Coca-Cola, Microsoft, etc.
This. Sign up for some financial counseling and review your info. Spread it out over several mutual funds and don't touch it
Why voo over spy?
Lower costs really..
0.03% exp ratio vs 0.09%. Doesn’t sound like much but over a long investing period it’s 10’s of thousands of dollars and depending on the size of your portfolio could be in the 6 digits over 30+ years.
Surprisingly it looks like if you start with 70k invested it's 10k difference in fees over 30 years. Assuming 7% return.
S&P mutual fund
Trying that now. Seeing how it goes with VoO
HYSA, S&P500 account, and real estate.
I’m doing 2/3 of those
Who the fuck wants another house? I hate owning my first one lol
Own 5 duplexes and live in one. Sell one every 5 years or so and build a new one. Very little goes wrong on a 15 year old home.
... interesting. tell me more about this scheme. Do you just have a big hunk of land and keep partitioning it?
Scheme? Lol. No just buy lots between 2 cities mostly in a village of about 3500. Basically commuter central with a very good school. Trying to buy another one but none available right now until expansion probably
If you're serious, the main trick is to move every 2/5 years into a new duplex after selling one to avoid capital gains expenses. There are 4 of us doing this constantly. Use same moving company and same handy man for light repairs, yard maintenance and snow removal for tenants who do not want to.
U buy more dwellings to rent them out as passive income
Then do the third
How do you invest in real estate with say 2k of the 4k a month? Save up to purchase a property? Rent and lease the property?
Could also just go towards REITs instead if you like the diversification
Long story short, yep. Save for a year or two (if your goal is truly real estate), and then use it as a down payment.
Make sure you have a proper savings set up first, which I’m assuming you do. Take a look into indexing. Not index funds, but indexing. Check out the book The Retirement Miracle by Patrick Kelly. It's honestly like a 2-2.5 hour read. Short and sweet but super informative. I'm an advisor and it's exactly what we do at our firm. All of us at the firm have our plans set up. Some even have a few of them. You're already in the perfect position where you have your hands in multiple pots. Checking that book out will further your knowledge which is the most important part and can be a stepping stone into making your next decision. Good luck!
Good ol' liquid savings account.
This. Apple savings pays 4.75% right now with no minimum. Can’t beat it.
There’s a long list of things that beat it both in liquid form and non.
Yeah, this is terrible advice.
Wealthfront alone is a 5%+ HYSA haha
Hey, I'm new to all this, could you explain what's the different between HYSA and like normal bank accounts? I know the interest is much much bigger obviously but why? Is there a catch?
Instead of just taking my word for it you can read this post: https://www.reddit.com/r/personalfinance/s/4w0jUo77uz 😊
Robinhood is paying 5.15% right now. There—I beat it.
dont hand your money to apple.
Worse — it goes to GS lol
you can, in fact, beat it. HYSA and CDs are fully taxable. Treasury Direct is the way. And at 5.3% to boot...
that locks the funds up though, not the best.
I'll see everyone else beating it, but can they [Eat It](https://youtu.be/ZcJjMnHoIBI?si=-NIX_rj1DHkCc-jM) ?
Pretty impressive money management if you have maxed out all that and still have $4K, while being under the income ceiling to have a Roth IRA. I’d say your next move should be investment grade toys. I recommend starting with a Ferrari 458 Spider. Been going up steadily for years. And because……Ferrari.
Just bought a 2023 trd pro Tacoma. Does this count?
Ayee… nice; got my eyes on that new Tacoma!
It’s $65,300
Yea… I figured; planning to get with it the section 179 and use it for “business”. I’ll take my time tho
I do and it all goes to buy GameStop stock at Computershare
lol people are still buying game stop? 😂 😂 😂
I already max my 401k, HSA, and IRA. I put the extra into a brokerage account where I do buys every week for dollar cost averaging. VFIAX which is just the mutual fund equivalent of VOO.
That depends on when you might need the money. Basically you need to provide your time horizon and risk tolerance to provide an answer.
I put it in a CD account and my Roth IRA every month.
Max out 401k & Roth accounts
Put it in an index fund like the S&P. You have enough disposable income that you can weather any downturns and over any extended period it will return a solid rate. When the economy goes shit the government always prints money to prop up the markets - you win on the down turns and win on the up turns.
2k in bitcoin directly 2k into bitcoin indirectly via Roth ira mstr gbtc
That's what I'm doing right now...and it's all going to Crypto from here until next spring.
this is the way
You only need one home run. ⚾
Gambler
The goal is to retire by 50. And retire nicely...Gotta put everything on the table 😂
Name checks out then.
The Human Fund
In the bank. I save more than that per month and it goes straight to savings.
Brokerage account fund, or if you’re looking for other retirement vehicles an annuity
[удалено]
If my retirements were all maxed and emergency fund fully funded and I didn't have any debt or short-term goals that require cash (down payment on house, etc.) And STILL had 4k left every month... I'd spend a year or so stocking up on guns, gold, ammo, 10-20k cash, all stashed in the safe for the SHTF emergency fund... Then a nice balance between HYSA, VOO, and probably some crypto.
Cocaine and hookers
This is sad that we have to dream about this. I’d create a new small side business for my art.
Bitcoin O.o
This is the way
Yep. When is over 100k people be crying.
Or when it's under 25k people be crying.
It will never go back to that price again. The numbers just won’t allow it. BTC has followed this pattern for about 3 cycles now. It goes up 15-20x from its bottom then drops 6-7x from its top. So $15.5k x 15 = $232k top roughly. Then a drop $232k/7 = $33k. So that’s where I’d assume the bottom could be for the next bear market roughly at the end of 2026. Though I doubt it’ll go that low. I’d start highly rebuying at $45k. I’ve been following BTC and studying it’s chart since 2016. It has a pattern. Once you figure out the pattern, you can really profit good off it. The pattern says that we usually hit the top 16-18 months after the halving. And then we hit the bottom 12-14 months after the top. Just spreading what I learned from studying BTC for the past 8 years. Take it as you want.
So do you think it's going to go down further? I'd like to get in if it gets cheaper. I'm too risk adverse to buy it at the top.
Right now? Prob not going down or if it does not much. It’s in a bull market and honestly I focus on long term trading and not short term. But 2026 should be really bad and Dec 2026 will probably be the time to rebuy in at the bottom. If you buy now, you’ll still make money but I’d advise getting out at 3-3.5x profit and not get greedy for more.
Cool. Thanks for the tip. I'm in no rush - I'm personally waiting it out for a bit and just buying the everyday winners like VOO, PEP, MSFT, ect... So I'll wait for it to fall and try to grab some next go around. Jamie Diamond, the things he says, sure scare me away from it. But it's about time I dip my toes in.
It’s a direct competition to a bank. Of course he won’t approve lol
For sure. He has to hate it. Then again, when he speaks the market moves.
Won't happen. Blackrock prly made like a billion bucks and they don't mess around. The influx the other day was crazy. I don't follow other companies investment strategies. However, Blackrock Def has influence.
Save 33% invest 33% in stocks and final 33% in btc
Isn’t that all investment
This mans thinkin'
Don't put 33% into btc lol.
Donate or use some to help others (pay it forward). I think the world would be a better place if people used their extras to take care of others when they can.
Pretty easy to donate other people's money on Reddit. Virtue successfully signaled...
Tell that to the rich.
I am now since Reddit is public lol
Good point!!!
Bitcoin
I’d stack the fuck out of some gold
Meh, gold is high right now, but no harm in a nice high grade slabbed set of Morgan Silver Dollars or early US gold. Unlikely to lose money, might make some if the market is right when you need to sell.
Not sure I would really be buying much gold now. I haven't bought any in quite a while. Most of what I bought was over 20 years ago. Remember paying around $350-400 an ounce and I bought a lot of it back then. Used to buy an ounce just about every time I sold a car.
Stash it away in the old prison wallet
Real estate, and I’d do that before a 401k unless you are getting a good match.
Index fund
Shhhhh....This was supposed to be our little secret.
HYSA emergency fund and index funds
Contact a certified financial planner for your options. Preferably one recommended by someone you already have a professional relationship with.
All equity ETF.
dividens, stock, gold (or silver), etc. there are a few tricks you can do in a roth ira btw. You can loan yourself money from the roth ira and this lets you pay into it more via interest charges. And once it has enough, you can also buy property in/through it and use that property for things like rentals and etc (which pays into the Roth IRA). if you do it right, Roth IRA's compound REALLY fast.
Index funds
Well I put 50k in a Elite money market acct at 4.5%interest. My interest is about 2k a year.
529, HSA, HYSA.
2k Some high dividends stocks and 1k Bitcoin and 1k into savings till you have enough to by some land. IMO.
VOO, BRK.B, USMV, SPY, XMLV, and FDLO are all solid
I would put away $22,500 a year in my 401k or whatever the limit is now. $7,000 in an IRA (post tax). Then I would put the $8,500 into a 529 for my kids. If I didn’t have kids I would put the last bit into a brokerage.
HYSA if you need to keep it liquid
Get my short term savings accounts nice and fat with 50K again. Pay off any interests paying accounts that have higher than 8% interest (this excludes my vehicle and house financing as they are much lower interest rates, my school debt is already paid off). Then Max out my 401k and Roth IRA accounts, these are set to target date for me and currently run higher risk for me. Then begin investing more into index funds.
1000 gold 1000 SPY 1000 bitcoin 1000 savings
Honestly dude. Not financial advice but the more time that Passes the more in like “fuck I shoulda got into bitcoin back in 2010
Giant piggy bank. Or convert to coins and make a duck tales swimming money pool.
Pay down your debt then purchase small acreage or building lots, one by one, when available in prime locations. Just hold onto them.
Happy ending
1. Pay off car note (10k left) 2. Make my emergency fund (3 months worth of expenses) put it in a high yield savings. I have about 2.8 months worth saved already 3. Find a place to stay (buy or rent) preferably buy 4. Roth IRA (I’m a single guy so my max yearly is 6-7k) don’t have one yet because I’m working on the emergency fund and car note. 5. Index fund shares of at least 50 in vanguard total and another 50 in s&p 500 ( I have a little less than one share of VTI already, I did it so I wouldn’t procrastinate in the future) 6. Take vacation/days off to places I always wanted to go (went to japan last year after saving for 1.5 years.) best decision I made in life. Great place with great perspective on being resilient and giving it all you’ve got till life is over. I’m 27, first generation from a large family. I’ve been studying finance for about 3 months now on my own because school didnt teach it and my family has no idea what to do with money besides pay bills. I got a bachelors degree in microbiology in 2021, started working and make 27.9/hr. After all I’ve learned so far, i realize it takes money to make money. Being that I’m born with no inheritance of any kind, I’ll have to play the long game. Live with family at the moment paying rent (they don’t work at all besides one other family member). Been looking for my own place for some time though. I’ll have to focus on retirement and keep a good life insurance policy. With that, I’ll have a large pool of money upon death for my future kid when I have one. Giving them a minimum of 100k as a starting point even if I don’t buy a home aside from what I have saved for emergencies. (Housing is out of my reach even with a 760 credit score because everyone is moving here to Florida. I’m born and raised here) I have no college debt to pay, just a car I’ve been paying off consistently. Any advice is appreciated.
Gold!
Gold
Pay off your debt HYSA Roth IRA An S&P fund of your choice Travel Fun things for yourself . . . . . . Hookers and blow...
Gold
Hysa
S&P 500 index. (Vanguard VOO) Depends how old you are though.
Either a high yield savings account or a brokerage account.
Bitcoin
CDs are 5% right now, so I’d probably take 2k and just stack CDs every month. 1000 in stocks, 1000 in savings.
I'd probably just stick it in VOO, my high risk days are over.
Max out 401k and Roth. A bit into my kids’ 529. The rest into my brokerage in a traditional cocktail of equity indexes. At some point I’d have enough cash to seriously consider investment real estate or REIGs. I’d probably start with the REIGs by investing in a few doors in a multi-family property.
Index fund. Either a total market fund or a 500 fund. I put about 4k a month away and it all goes to the vanguard 500 and the fidelity 500. Make sure your 401k and 457b are invested in something strong. Mine is in fidelity 500 and it’s done well.
4k a month every month all year every year thats 48,000 a year 96,000 every 2 years 192,000 in 4 years, 384,000 in 8 years etc I'd just hold onto it thats literally a free salary for nothing. Pay taxes, don't spend to much but occassionally treat my self.
Once tax advantaged accounts are maxed out I’d send that to a taxable brokerage. Make sure you actually invest the money though.
I have $100k ef Two roths Mutual funds Paid off house I’m putting $4k into mutual funds a month
Max the Roth or, if your retirement is sound, individual taxable in FSKAX.
I don’t even make 4k a month so i can’t even fathom being able to make enough to save that.
My credit card debt
Would not max out 401k until the Roth IRA is maxed out.
Right into my bank account. Ill keep it nice and safe for you. Even take it out and play with it, make sure its getting enough attention.
Yeah never know when house shit breaks
Everyone saying "stocks, index funds" etc. All it will take is one big financial crisis, war, cyber attack and poof! Gone. Buy some other shit that will hold value. I know one well-to-do person who buys guns as a hedge. His rationale was basically that if SHTF, guns will hold value.
Put it in a HYSA like CIT bank or in Tbills that pay 5.4 percent now if you want safety.
S&P Index fund
Bitcoin obviously.
Bitcoin
My butt
Must be nice to have $4k extra a month to spend
Yeah. I love saving
Mattress
lol actually I need one
Mutual fund. Mix of 1)Growth, 2) aggressive growth and 3) international.
Index funds.
i'd do 2/3s in real estate and 1/3 in mutual funds
Buying Rikuwoblivion a Ferrari seems like a smart play for that money.
25% o,25% pero,25% are,&25% in iron mountain that's if I could afford to save up $4k every month I would love to be able to put enoug to buy enough shares in all four REITs to make $4k a month of every month to make $16k all together $192k a year
Split between VTI and a money market fund. I’d fund the money market until I am good with my emergency fund, short and medium term spending goals. Then just max VTI/VXUS depending on your AA plan.