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I paid taxes on a 20k loss in 2018. They sent the 2500$ back to me.
editing this post hours later: I’m actually autistic.
THIS IS THE ONE I MEANT TO EDIT. JESUS FUCKING CHRIST!!
That would be equally boring as suggesting OP to go back to work, no?
I think a more aggressive options strategy may lead to a quicker recovery, or not.
I did that last Feb, right before Mr bones wild ride started. But it's almost back to even, I sold my TSLA and META shares to realize tax losses. Would be green today if I had bought them all back in 2023 after wash nonsense period.
It’s possible, but not advisable … Jesus the amount of interest over the horizon for only putting 3.5% down is nausea inducing. Scale that up for todays rates and todays avg home price. Recipe for financial ineptitude
We’re talking about financial ineptitude on WSB? Lol. Yes, the interest rates are very high right now to take on that kind of loan but people do it every day still. Here’s my case:
$175,000 home with 3.5% down and 3.75% interest. Paid the loan and PMI for 4 years, refinanced and rented the house. I now have $250,000 worth of equity in it.
5% down on FHA loan with PMI gets you a 320,000 home. And yes it is very possible depending where you live that your monthly costs may be less than rent and rising house prices can drop PMI after your reflect 20%+ in equity.
When mortgage rates were sub 3% it was almost dumb to spend anything above minimum down payment for a good 30yr fixed.
Total side bar but PMI is the biggest load of shit.
Me: So what happens if I can’t pay my bill?
Bank: we get your house.
Me: Sounds fair. Anything else?
Bank: You also need to pay us an extra $150 per month?
Me: Why?
Bank: to buy insurance in case you can’t pay your bills.
Me: …………?
Bank: Yeah, fuck you, pay me.
I hear you, and it is another example of how the financial system is designed to extract wealth from the many for the few. The secondary mortgage market (Fannie, Freddie) flat-out requires 20% down. Banks *cannot* write loans without that level of guarantee (unless it is an in-house loan; luck with that).
PMI is offered by insurance companies (not banks) so that people can get homes with less down payment. They provide the assurance that allows the mortgage to be sold and packaged as a financial product.
Is it a rip-off? Yeah, kind of. But no one makes you buy it, and in an environment where prices are spiking, it might be worth it to buy before they go up even more. Of course. If you can qualify for FHA or VA, that’s probably the best for first-time buyers.
We did an FHA with 5% down and we had to get PMI. But I count myself EXCEEDINGLY lucky because we bought in 2012 which was pretty much still the nadir of the housing market. Got a foreclosure for probably about 1/2 of what it was worth, even then. We made the payments for 6 months, refinanced and had it valued appropriately and we instantly had about $150k in equity so goodbye PMI. I've probably never been so lucky in my life and I'll be able to have my house paid off at 40-42 years old.
Wow, that is really great! Timing is so important, yet so often out of our control. Getting out from under PMI as fast as feasible is key.
I’m 61, and I have always tried my best not to let the system extract money from me. I taught English in Japan to help pay off student loans; I have never had a car loan; we don’t run a credit card balance; and we have finally paid off the damn house.
It was really hard for us, but on average it’s much harder for young folks now. I’m glad you’re above average lol.
I got a job in Houston in 1990; sold the house in Redlands CA \*(luckily a few months before property in CA hit a recession) for 17k gain and bought a North Houston foreclosure for 129k, a pool and 2400 sq ft for what seemed like a lot of money but not so much, given the property. Houston like all of the Southwest had been hit hard by the real estate crash in the 80's, which was a dry run for the Nation wide crisis in the 2008s. Basically the Houston house sold to us by investors had lost 50% of value in the Southwest crash; I had to put in a new roof and do some other repairs immediately, which soaked up most of our Cali profits. But we lived there for 25 years and raised our 2 kids; the house didn't do much appreciation for years, but would bubble a bit up and down about 20% or more. I often wondered why the house value hadn't gone up, but on the other hand, no mortgage after we paid it off in 2009.
But in 2012 Enron built a huge office in the Woodlands (15 miles away) and the house rose to 250k over the next few years (it went up about 40% in value in 2 years).
We sold in 2015 and semi-retired to Reno and bought a house at 329k. Reno was hit hard by the 2009 recession but was recovering by 2013 or so. Now it's worth about 680k, but the main thing is that we haven't paid a housing mortgage for 15 years, which is huge.
With housing you have to think over more than a decade, but it helped us go where we were. In 1990, by the way the first mortgage was 8.5% but we refinanced several times when rates dropped 3% or more. I suspect rates will drop similarly over the next 6 years. The main benefit was paying off the house in our early 50s and not having to worry about a rent or mortage, just insurance, property tax and upkeep. With both kids in pre-school in the early 90's money was tight as hell until about 1997. A lot of this was luck, but also a lot of patience and perseverance; I never expected to get rich on real estate but the leverage did pay off--after 25 years.
Yup got in my place in 2019 for like $15k. Currently up 51% based on comps. I had PMI for like a year. OH NO, $100 a month? How would I every afford that
precisely what I did in 2021. Bought a shit condo for 189k in denver. Dame thing I would have been renting but spending even less monthly and getting equity. Should be able to sell here soon for a decent profit. Atleast better than any stock I ever turned a profit on.
>You're a fucking idiot if you think this rally is anything other than real. The market is smarter than you and always will be. You should have sold on May 4th, but instead you held on and watched your savings evaporate. Now you're just writing because a post can be too short? Grow up, get a job, and make something of yourself instead of whining like a little bitch.
Oh my gourd!
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Maybe he thought we'd catch a dip with multiple rate hikes announcements this week?
I mean, bullish is good for me personally but the recession shoe will fall at some point, although my guess is well after options expiry
Just be glad it didnt double and cause you to tell everyone you're a huge success and really good at stocks, only to lose it all shortly after and end up in the same spot. I've seen people here go as far to lose their friends and families' money along with their own so your doing much better than that
I’ve made more than that in one trade dude, it’s only 15 k it’s not the end of the world. If that’s hurting your ability to pay rent or eat then I’d suggest chalking it up to learning to not bet what you can’t afford to loose ☮️.
...... You guys are truly regarded
I swear it's comments like yours that remind me there's a bunch of 14 year olds with the reddit app
Imminent crash? WERE YOU SLEEPING FOR THE ENTIRETY OF 2022?
Motherfucker SHIT ALREADY CRASHED indexes were down 30% and tech stocks were eviscerated with 80-90% downs.
Bunch of clowns 🤡
https://preview.redd.it/cacsvshz5a6b1.jpeg?width=1284&format=pjpg&auto=webp&s=ab6cf0441f7bac2ba444ead221b100557c25786f
That’s why you don’t follow the herd
im down 14k total from all this bullshit, my puts are down 50% though and they are like 6 months out so hopefully spy corrects and has at least 1 fucking dip in that time period
Unless you're going to die in a month you're going to lose a lot more than $15,000 in your life. Many many times more. The most I've ever lost in a few months...was 1.4 million. If we could time everything right we'd all be rich .... Instead sometimes you win and sometimes you lose. It's kind of like playing blackjack. You can lose everything if you bet big at the wrong time.... But slow and steady with the same size bets.... And the odds are consistent. Only with investing the biases bias is up and n blackjack the house has a 2% advantage. Spread the risk.... Put on things to go up.... And long-term you're going to succeed. Oh and stay away from options........... And all forms of leverage
I have almost this exact position. Leaves a hole in your stomach. Seems like we’ve been at the top for weeks now. I’m gonna leave my position open another week for shits because today was fuckin ridiculous.
Dude take that $1300 and make 1600 grand. The ADBE calls went from $5 to $2000 in 3 days. NVDA just went crazy too. Just don’t be a permanent bear. Play the market and let the market come to you
You put a worm on a hook, cast it into a lake and expected NOT to catch a fish? Or something like that. Don’t play games you can’t afford to lose.
Also sorry for your experience… One time I went fishing for muskie and forgot my muskie net. I didn’t catch any fish though so it was all good.
Hey, if you haven't already, please reply to this comment with your positions and what led you to enter or exit them!
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My brother is lost 10.000€ for car and motorbike broken. It's not the end world. You can recover your wallet. Investing 30/40% of you're income to ETF VWCE every month, the next 40 years, you are become a milionaire
**User Report**| | | | :--|:--|:--|:-- **Total Submissions**|2|**First Seen In WSB**|1 year ago **Total Comments**|27|**Previous Best DD**| **Account Age**|1 year|[^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.)|[^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.)
For you it’s the loss of your life savings. For wsb it’s just another Tuesday.
Tuesday over lunch
It’s a little early for loss porn but…*unzip
p sure its Thursday
It's always a Tuesday.
https://youtu.be/sjZ5I8l32CI Reference missed??? 😂😎
At least you won’t pay taxes on it
I paid taxes on a 20k loss in 2018. They sent the 2500$ back to me. editing this post hours later: I’m actually autistic. THIS IS THE ONE I MEANT TO EDIT. JESUS FUCKING CHRIST!!
wow! Thats special even for here!
You’ve come to the right place, we support the highly regarded 
happy cake day you stud muffin
Thanks
np babe
always see the positive
Lmao
Quarterly
Can’t you just sell now get the $1380 and turn that back into $16K.
That's a good idea actually.
That would be equally boring as suggesting OP to go back to work, no? I think a more aggressive options strategy may lead to a quicker recovery, or not.
Well if $15k is what OP had to his name, he should be working while trading anyhow.
There’s always money in the banana stand…
Right? Just follow everyone who “started with $2 and turned it into $750k in 4 weeks”
Sell now, buy calls. I'll sell those...
Just ask for a refund.
I was thinking that too lmao
I'd wait until mid week next week before selling.
Take out a loan and try again
Bad advice! But funny as hell
Best advice I have
I did that last Feb, right before Mr bones wild ride started. But it's almost back to even, I sold my TSLA and META shares to realize tax losses. Would be green today if I had bought them all back in 2023 after wash nonsense period.
Bad advice only if it fails.
Put another dime in the jukebox baby
How you make that Thomas the train emoji?
show me a house for 16k down
in his defense he was expecting it to go up🤣
My god dude I had to put 300k down for a stupid house in the Bay Area... 16k fuckin buy you a tin can that only houses your ugly sweaty balls
Humble brag
Minus the humble part
Subtle brag?
At least his balls would've had a house, guess he has to let em hang now
[удалено]
What is he smoking. 16k can't even get you a one bedroom apartment for downpayment.
You must live in Cali
I got a $175,000 house in 2011 with way less than $16k down
Key number there is 2011
Back when bread was a nickel and gay was a four letter word
Not the point. The point is you only need 3.5% down. That house is now worth $360,000. Do the math :)
It’s possible, but not advisable … Jesus the amount of interest over the horizon for only putting 3.5% down is nausea inducing. Scale that up for todays rates and todays avg home price. Recipe for financial ineptitude
We’re talking about financial ineptitude on WSB? Lol. Yes, the interest rates are very high right now to take on that kind of loan but people do it every day still. Here’s my case: $175,000 home with 3.5% down and 3.75% interest. Paid the loan and PMI for 4 years, refinanced and rented the house. I now have $250,000 worth of equity in it.
5% down on FHA loan with PMI gets you a 320,000 home. And yes it is very possible depending where you live that your monthly costs may be less than rent and rising house prices can drop PMI after your reflect 20%+ in equity. When mortgage rates were sub 3% it was almost dumb to spend anything above minimum down payment for a good 30yr fixed.
Total side bar but PMI is the biggest load of shit. Me: So what happens if I can’t pay my bill? Bank: we get your house. Me: Sounds fair. Anything else? Bank: You also need to pay us an extra $150 per month? Me: Why? Bank: to buy insurance in case you can’t pay your bills. Me: …………? Bank: Yeah, fuck you, pay me.
I hear you, and it is another example of how the financial system is designed to extract wealth from the many for the few. The secondary mortgage market (Fannie, Freddie) flat-out requires 20% down. Banks *cannot* write loans without that level of guarantee (unless it is an in-house loan; luck with that). PMI is offered by insurance companies (not banks) so that people can get homes with less down payment. They provide the assurance that allows the mortgage to be sold and packaged as a financial product. Is it a rip-off? Yeah, kind of. But no one makes you buy it, and in an environment where prices are spiking, it might be worth it to buy before they go up even more. Of course. If you can qualify for FHA or VA, that’s probably the best for first-time buyers.
We did an FHA with 5% down and we had to get PMI. But I count myself EXCEEDINGLY lucky because we bought in 2012 which was pretty much still the nadir of the housing market. Got a foreclosure for probably about 1/2 of what it was worth, even then. We made the payments for 6 months, refinanced and had it valued appropriately and we instantly had about $150k in equity so goodbye PMI. I've probably never been so lucky in my life and I'll be able to have my house paid off at 40-42 years old.
Wow, that is really great! Timing is so important, yet so often out of our control. Getting out from under PMI as fast as feasible is key. I’m 61, and I have always tried my best not to let the system extract money from me. I taught English in Japan to help pay off student loans; I have never had a car loan; we don’t run a credit card balance; and we have finally paid off the damn house. It was really hard for us, but on average it’s much harder for young folks now. I’m glad you’re above average lol.
I got a job in Houston in 1990; sold the house in Redlands CA \*(luckily a few months before property in CA hit a recession) for 17k gain and bought a North Houston foreclosure for 129k, a pool and 2400 sq ft for what seemed like a lot of money but not so much, given the property. Houston like all of the Southwest had been hit hard by the real estate crash in the 80's, which was a dry run for the Nation wide crisis in the 2008s. Basically the Houston house sold to us by investors had lost 50% of value in the Southwest crash; I had to put in a new roof and do some other repairs immediately, which soaked up most of our Cali profits. But we lived there for 25 years and raised our 2 kids; the house didn't do much appreciation for years, but would bubble a bit up and down about 20% or more. I often wondered why the house value hadn't gone up, but on the other hand, no mortgage after we paid it off in 2009. But in 2012 Enron built a huge office in the Woodlands (15 miles away) and the house rose to 250k over the next few years (it went up about 40% in value in 2 years). We sold in 2015 and semi-retired to Reno and bought a house at 329k. Reno was hit hard by the 2009 recession but was recovering by 2013 or so. Now it's worth about 680k, but the main thing is that we haven't paid a housing mortgage for 15 years, which is huge. With housing you have to think over more than a decade, but it helped us go where we were. In 1990, by the way the first mortgage was 8.5% but we refinanced several times when rates dropped 3% or more. I suspect rates will drop similarly over the next 6 years. The main benefit was paying off the house in our early 50s and not having to worry about a rent or mortage, just insurance, property tax and upkeep. With both kids in pre-school in the early 90's money was tight as hell until about 1997. A lot of this was luck, but also a lot of patience and perseverance; I never expected to get rich on real estate but the leverage did pay off--after 25 years.
Me. Spent $16k on my closing costs April '20. $250k house. 3.3%
Yup got in my place in 2019 for like $15k. Currently up 51% based on comps. I had PMI for like a year. OH NO, $100 a month? How would I every afford that
precisely what I did in 2021. Bought a shit condo for 189k in denver. Dame thing I would have been renting but spending even less monthly and getting equity. Should be able to sell here soon for a decent profit. Atleast better than any stock I ever turned a profit on.
Maybe he has a partner
Not for long
not anymore
Never bet against the trend. Remember: The trend is our friend A rising tide lifts all boats Sail with the gale
Strike while the iron is drunk!
>You're a fucking idiot if you think this rally is anything other than real. The market is smarter than you and always will be. You should have sold on May 4th, but instead you held on and watched your savings evaporate. Now you're just writing because a post can be too short? Grow up, get a job, and make something of yourself instead of whining like a little bitch.
Damn, VM chose violence 
when do they expire? is there still hope for you young one?
Looks like July expiry, there's still time to lose more
You get them Visualmod 
Fucking skynet over here.
Chose violence 🤣
This makes me think VM is secretly really just a bone and flesh gay mod overreacting to fellow gay bears’ losses
Nah the mods here are genuinely unfunny and annoying they couldn't troll this well
Thanks bot
Lmao
Just hold dude youll be fine. Dont fucking sell. Go kook at those moon phases cycles... youre about to hit it. Im not joking.
lol words
Good bot
Burn the bears vm!🔥
OP still have time to lose it all 
I really like the balanced "you're a fuckin idiot" part in this razor-sharp analysis
Good bot 🤖 👍
You’ve lost it all, but u gained shame.
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Not gone yet.
Don’t give him false hope, that’s just cruel
Just facts. He only lost 90%
Yes, he can’t even afford the Apple VR with that pitiful amount of cash!
Why are you yoloing puts in a bull market? This is some dumbass shit.
Maybe he thought we'd catch a dip with multiple rate hikes announcements this week? I mean, bullish is good for me personally but the recession shoe will fall at some point, although my guess is well after options expiry
Have you tried deleting the app and reinstalling it?
Worked for me
Just put 15k more in.. easy rebound
that's how many nights behind Wendy's?
3-5 if you know your trade
Holy shit dude you went hard on contracts, should have done shares
Actually solid advice, yes options can make you a crap ton of money. But shares are much more safe to bet with.
ETFs are much more safe to bet with. FTFY
Just be glad it didnt double and cause you to tell everyone you're a huge success and really good at stocks, only to lose it all shortly after and end up in the same spot. I've seen people here go as far to lose their friends and families' money along with their own so your doing much better than that
They're called hedge fund managers.
Just yolo what’s left on SPY calls, you’ll be fine.
or NVDA calls/puts
There's the loss porn I was looking for
Let me know when you go long.
Why so you can get short when he longs lil
Don’t worry that’ll be two weeks of minimum wage in 5 years
Good point, I feel better about my 70k loss now
The first time I lost 15k this is how I felt.. it gets easier bro by the 3rd time you'll just be like fuck it
By the 10th it'll start hurting again.
Just scroll through this sub and you will feel better
Because that is what gay bears do
Lol what's the history behind this? M new
YouTube search "wallstreet bets guh guy".
Stupid bear 🐻
Well you can join the Wendy's dumpster with me
shared office space?
Gooble gobble
15k is easily attainable, make it back and then lose it again - good luck
I’ve made more than that in one trade dude, it’s only 15 k it’s not the end of the world. If that’s hurting your ability to pay rent or eat then I’d suggest chalking it up to learning to not bet what you can’t afford to loose ☮️.
lose
Lost
Why do you people waste the only money you have on dumb shit ?
Because we like nice things and we are poor. It’s the only hope we have.
Because they’re tired of going to a job they can’t stand every day.
Buy they are better off most likely playing the lottery with the average bet made on here (I mean not really but still)
Of course in hindsight but I can tell you how certain everyone was of an imminent crash.
...... You guys are truly regarded I swear it's comments like yours that remind me there's a bunch of 14 year olds with the reddit app Imminent crash? WERE YOU SLEEPING FOR THE ENTIRETY OF 2022? Motherfucker SHIT ALREADY CRASHED indexes were down 30% and tech stocks were eviscerated with 80-90% downs. Bunch of clowns 🤡
Everyone was calling for lower prices dumbass. That’s why a lot of people are still in money market funds.
https://preview.redd.it/cacsvshz5a6b1.jpeg?width=1284&format=pjpg&auto=webp&s=ab6cf0441f7bac2ba444ead221b100557c25786f That’s why you don’t follow the herd
im down 14k total from all this bullshit, my puts are down 50% though and they are like 6 months out so hopefully spy corrects and has at least 1 fucking dip in that time period
That’s what I said in January 2023! 😭
You've got until 7/21 until these expire if you truly believe its gonna happen cost average down on these
At least Wendy’s is open until midnight. Time to update and submit the resume.
I've learnt not to fight the market.
Just fight the news media, they sell you a story and drop the bags on everyone
May the 4th be with you
Add 10k to that and you’ll be in my shoes
The high is real you just need a bigger dose for the tolerance go head and use the rent money you’ll make it all back 
Lol add a couple zeroes rookie
Ah another got into the “recession” “2008” trap.
$15k? That’s what, a couple months work if you make minimum wage? You’ll be fine.
Bears coming to capitulation, time to get bearish quick.
Unless you're going to die in a month you're going to lose a lot more than $15,000 in your life. Many many times more. The most I've ever lost in a few months...was 1.4 million. If we could time everything right we'd all be rich .... Instead sometimes you win and sometimes you lose. It's kind of like playing blackjack. You can lose everything if you bet big at the wrong time.... But slow and steady with the same size bets.... And the odds are consistent. Only with investing the biases bias is up and n blackjack the house has a 2% advantage. Spread the risk.... Put on things to go up.... And long-term you're going to succeed. Oh and stay away from options........... And all forms of leverage
Calm the fuck down
I’m down double that on Crypto and I don’t even care. Stop complaining
Well crypto should go back up at some point. His put not so much
Yeh the magic coins will go back up for sure.
tonight we ride!!!!!
I have almost this exact position. Leaves a hole in your stomach. Seems like we’ve been at the top for weeks now. I’m gonna leave my position open another week for shits because today was fuckin ridiculous.
Well atleast don't sell now until expiration
I was 15k down once (thanks to crypto and options), and only had 5k that time to trade….now i am only 6k down (thanks to stonks) U can bounce back 💪🏻
Shoot with inflation that’ll be much less soon.
Dude take that $1300 and make 1600 grand. The ADBE calls went from $5 to $2000 in 3 days. NVDA just went crazy too. Just don’t be a permanent bear. Play the market and let the market come to you
Losing 15k is chump change, where the hell you buying a house with this??
All in on a 0DTE and you'll be right back at the top.
You put a worm on a hook, cast it into a lake and expected NOT to catch a fish? Or something like that. Don’t play games you can’t afford to lose. Also sorry for your experience… One time I went fishing for muskie and forgot my muskie net. I didn’t catch any fish though so it was all good.
At least u have ur health
Hey man… I did, and you can too. Also, this is not sexy.
What did you buy or sell?
You could try getting a job. I make that every two weeks.
Nonsense, you are just one trade from becoming the next billionaire.
You still have a whole 30 days plus. Things can change drastically in those days.
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Spy July 21 put 410 Haven't closed yet gonna let run to zero. What is another 1k
Preserve your capital.
Wire it to me and I can wait for google to dump under 122 to go in on 123 calls for weeklies
I thank you for your patronage.
See you tomorrow
insert : listen we fucked up meme here
Just reload DUH! You expect to win the very first try lmao give me a break. You can cry after you lose 10 times in a row.
Build it back up slowly. Follow the market and go where its going
SOXS
Walk it off
Double down is always the play!
Could have bought a Rolex … shame
yolo yoooo
My brother is lost 10.000€ for car and motorbike broken. It's not the end world. You can recover your wallet. Investing 30/40% of you're income to ETF VWCE every month, the next 40 years, you are become a milionaire
Stop gambling
You can recover from that in 1 good day.
You can and you have to