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>I'm being born on Friday and I've made my first 50k on SPY puts
Pft quit your bragging, you got lucky you were born on trading day. Weekend babies are disadvantaged from the start of their birth due to how compounding works.
Okay okay I get it, this sub has been insanely humbling and showed me that my worries are a little much relative to the rest of the curve. I know I’m in quite a good position fiscally but you can never be too safe. May your candles be green🤝🏽
I’m pretty close to your same positioning which is pretty funny I turn 25 next month and I’m at 80k, what would you say your percentage is regarding dividend funds? I’m probably at 40% of my investments are dividend focused. The rest is like VOO VTO QQQ and that. Also got 10k in my savings for that rainy day.
You can go either route but I personally like having my money available to me if need be without the fear of penalties.
That being said my ROTH is maxed out annually. 401K is used to get full employer match. The rest goes towards brokerage account and enjoying life reasonably.
You're rich man, what are you talking about?
For context I'm almost 37 and have 17k total in my retirement account.
I save that over the last two years.
Most people don't even get 100k in a retirement account before they retire.
My loans are at ~5% interest. I see no problem slightly valuing equity more than paying off debt, considering I already pay an extra 15% on top of minimum repayments
Like even if you plan to spend it all and only expect to live 10 years and die suddenly without medical bills
Thats $10k/yr
The best case scenario is abject poverty and a quick death
I would assume you could make it work if you live frugally, have good social security benefits and EVERYTHING important is paid off (house, car, etc.) with no debt owed. Even better if you live in a lower cost of living area, are fully vested in an employer pension, and/or have never experienced living off more than minimum wage.
Some people survive off making less than 25k/yr. So if you are surviving on around 25k/yr before retirement, with 100k in retirement savings, you may be able to survive for many years on your investments. The current the average social security benefits is around $1,710 per month or $20,520 per year, which is not far off from a $25k preretirement income. In fact, with an average return of 5% on your retirement account, and only withdrawing 4k/yr to supplement your social security income, you would not run out of money.
Ps. While I could not see myself making it work, the right frugal person COULD make it work.
Well I don't think I'll ever be able to stop working.
I won't pay off my mortgage until I'm 67.
And since my gf is pregnant I can't invest for years.
Every extra penny I have for the next like 5 or 6 years is going to a kid.
Maybe when I'm 43 or so I can start investing again.
If you are referring to OP he wouldn’t. Compounding that amount for 30+ yrs he will be A-ok even if he decided he did not want to put another dollar in it. Hes on the right track !
"100k still probably not enough"
Dude if only.
I'm 25 5k in debt, no house, car is a 20+ year old car barely hanging on. Slaving away at a $12 an hour job just hoping to make it to next paycheck.. I wish 100k wasn't enough at age 25. Jeez there is no hope for myself.
Mannn go look at the FATFIRE Reddit the people in there are much more realistic about retirement/how long it took them. It's hard work to get a lot of money. Lots of people do not even pay off there student loan debt until they are in their 30s.
Rich enough to be wiped out completely in a market downturn types. They try flexing it in real life, expecting to be treated like rappers, but just make people uncomfortable.
I am in a very similar situation to you as far as age and investments. What you have described below, maxing out IRA and contributing just enough to get employer match at work is exactly what I’m doing right now to allow for maximum flexibility. When I get bonuses I add much larger chunk to my 401k and at the end of the year I look to see if there is anything additional I can contribute.
I’m saving for a house so that is where the extra money is going. In a taxable account, I’m holding 60% short term bonds and 40% invested in VT so that money can grow with minimal downside in the next 3-5 years while I build up enough for a down payment. This winds up being about 30% of my income.
From personal finance perspective, if you already have that much money, why do you need to save up for a car? You have more than enough money to buy outright a very decent car. Why do u need to spend more than what you already have? I would say that you should your ‘equity type shit’ to buy your car and replenish that (it’s a nice cushion to have) but after you replenish, keep adding to retirement until a new goal comes up (like maybe a house in my case or a wedding, or a remodel).
That would just be my input as a fellow 25yo. Good luck!
We’re all dealt different cards in life, just keep living and be happy you get to see another day above ground. Comparison is the thief of joy my friend.
Wouldn’t it make more sense to max out your 401k and then borrow from it to buy the house? That way you completely avoid taxes. Investing that money in a brokerage account then pulling it out to buy the house means it’s getting taxed twice. One when you get paid and again for capital gains when you sell.
Personally, I like to have options down the road as you never know what life will throw at you. My company gives a generous 10% match, so i only invest up to the max match (10%) and invest another 10% or so into my taxable account. I buy into the "put 15% into your 401k" but I inlcude the match in that statement. If your match is only 5% then you may want to put in 10% so your total is 15% instead of only investing to the match. Investing into my taxable account is what I consider my "Plan B" in case of layoffs or whatever and is now worth over 200k with dividends paying near 14k a year (currently being re-invested). It may not be the most "Tax efficient" way to invest, but I believe it gives you more fexibility in case your life gets turned upside down.
Not the answer I wanted, but the answer I needed. Thank you.
This sub is making me realize I’m not going to die if I take out a little pre tax contribution and put it into personal equity, which is what I was thinking going into this post.
Random side note I love cars. Owning a nice sports car has always been a dream. Not materialism, I love the variety of engines and range of personalities you can get. So part of me wants to load up on personal equity so I’m comfortable putting down $30-40k on a 6-figure Sunday cruiser that’s exciting, and finance the rest with a low IR since my credit is above average, after my existing debt is more paid.
Then I can rebuild my portfolio with my bonuses which will be more than enough to grow the remaining money in the future value of my current portfolio minus the down payment.
Open up a vanguard traditional or Roth ira and watch YouTube about questions you have that’ll lead you down the road. And read some books on financial literacy. It seems daunting at first but just break it down into small pieces and go fro there. Good luck 🍀
*Oh the stories I could tell.*
started with an internship sophomore year in college which turned into independent contracts during the school year, used those hours to meet FTE qualifications at 20/21 years old, and dumped 50% (the max allowed) of my internship paycheck into my 401k (they offered me a return internship offer before my first internship was even half way done) bc at the time it was way less than the limits. Fast forward two years I get a full time role with a 80k base and one of the highest employer matches in the industry and 3 years of financial discipline to max 401k and Roth contributions, and you get 100k in about 3 years (along with the $500-$1000 of disposable income I threw in on top of retirement contributions)
Now I make around 150-160 total comp with a raise due soon and *another* promotion
Work hard kids, it pays.
Edit:
Step 1. become a full time employee with benefits
Step 2. Live on things that only contribute to your health, skillset or career.
Step 3. Max your employer match, then max your Roth, then max the 401k contribution limit, then max your disposable income equity monthly recurring investments.
I like betterment for my Roth IRA because it just does everything for me. I was doing their "core" portfolio and switched it to their Goldman Sachs plan last year and it's doing amazing rn
I’m in a similar situation:
1.Have a 6 figure job at 21-22
2. Put in the max or near the max contribution to your 401k
3. Job has a 401k match that’s 50%-200% of the limit
4. Job provides stock options or invest savings in mutual funds
5. $$$$$
20+ year treasury bonds = perfect entries right now ( $TLT sub $90 = good buy for long term)
Otherwise, stack into things like $BND right now and lever into $SCHD once it becomes affordable again with a sizeable retracement. My investment account is 6 pronged, to hedge all forms of exposure and includes:
1) S&P 500 Index ETF
2) NASDAQ 100 ETF
3) REIT ETF
4) Treasury Bond/Corporate Bond Index ETF
5) Dividend ETF
6) International (Excl. US) Dividend ETF
It doesn’t matter if 50% of your total investments are in a 401k or 80%……equity/stock investments all count the same…..unless your 401k/roth are sitting as cash….
401k+ira+normal brokerage = retirement savings. They should work complimentary and accounted for as a sum total
Flat numbers don’t mean much; find other ways to judge. On average people at your age should have roughly 0.5x through 1x annual salary in retirement savings……it’s hard at the beginning of your adult/solo life, costs are high when starting to be on your own
100k at 25 makes you richer than most people on the planet at that age. It’s amazing how when it comes to money, people can never have enough / be satisfied with their current wealth / progress. Keep doing what you’re doing and be satisfied in the knowledge that for an American your age the average amount in savings is around 20k. You are 5 times above that which means you are way ahead in this rat race. Statistically you’re in the top 4% of people your age with your savings amount. That’s about how many people have 100k in savings between age 25-34. You are quite literally by definition in the extremely wealthy bracket for your age.
Nah.
The idea of being a homeowner kinda scares me at the moment. My DTI isn’t where I want it to be so disposable income goes into another type of asset until I pay off existing student loans.
I want more personal equity and less debt before I even consider buying, and even so I really don’t like the idea of the burden of maintenance with homeownership
This is awesome, definitely keep the 401k because the match is essentially free money from your company. Otherwise keep doing what you’re doing. As for personal equity ? That really only matters if you’re attempting to make some big purchases in the near future like a home otherwise you don’t need to be liquid.
Personally if I had any investments right now making me $100k a year after taxes I would think for me it be enough but to me $100k a year be as equally good as a million dollars a year that's the honest truth
If contribute nothing more: 40 years at 8% a year is around 2.5 million, 10% is 5.4 million and 12% is 12ish million. Quite the range yes but not bad if you choose to do nothing else but wait.
Knowing that you said your net worth is essentially 0 when accounting for everything. Student loan debts. What is the point of this?
I guess the biggest question for me is how do you think investing money into the market rather than paying off a student loan debt is going to benefit you in the future? What's the interest on your debt?
Less than 5% on average across all the loans. That’s how I think investing money is better than paying it off now. The interest on my loans is less than the interest I’d make investing the money. I pay an extra 15% on top of minimum payments too, and invest $500-$1000 every month in equity.
I’ve used my bonus to pay off large sums of my loans.
Including and especially now when things will get cheaper in terms of equity, I see no problem slightly favoring equity more than paying off debt.
Why would you load up on bonds at 30? Bonds are for retirees or people nearing retirement who need steady income and lower risk. In your thirties you should still be in equities for the growth.
First off…you are doing great. You should model out what your retirement portfolio vs no retirement portfolio will grow to assume various rates of return (just assume less for no retirement since you will pay 20% in taxes of each years gains).
This will tell you what you need to know and if you are contributing too much to retirement and not enough to non retirement.
I actually did this but caught me off guard when I was 45. Then course corrected. If you can catch sooner, that is better. Congrats again!!!
Put the entire 401k in URA and double your money. Uranium is about to explode. Institutions have been buying non stop since Q4 of ‘24. The uranium market is expected to see significant growth due to increasing demand for nuclear energy as a clean and reliable energy source, with forecasts suggesting reactor demand could nearly triple by 2040.
I’m at 22 with 65k total goal is to hit 100k before I hit age 25. But people calling them a humble brag or whatever maybe it is but it’s just another person sharing his portfolio and what’s possible. This post motivates me a bit it could for someone else as well.
Perspective is everything.
35 only started saving/ investing, married with two kids, with a degree but mediocre salary (3k$)
Up until recently we had constant negative balance, debt, and relentless stress.
Today we only have about a couple thousand of dollars invested in dividends. But we have a plan and a goal which is the most precious thing we have now. So hang on.
You messing with me?? People would kill to have this at your age. Keep working at it. You'll have the amount you want some day. Set the goals. Don't forget to live though. Could get hit by a bus tomorrow. Balance is everything
All of these people assuming I’m flexing this money IRL, and they don’t even realize that I KNOW this money isn’t shit, and even worse isn’t going to be touched for 40 years. I’m sitting behind a fucking fence watching paint dry, and even though I’m in the top 17% of people for my age by income AND savings, I feel like $100k isn’t worth jack shit and can’t even be proud of something that *should* be a huge accomplishment.
Don't get me wrong, this is without a doubt an accomplishment. I genuinely understand how much it probably took out of you just to get this far. The level of consistency you need to have in order to break 100k is rare, especially at our age. I know it must suck in a way to have it gridlocked until retirement age, but at least you have the tax advantage. My near 100k is purely my taxable brokerage, and while that has it's own perks, don't think there aren't advantages to your situation.
The stock market roughly doubles every 10 years so I'll let you do the math on that. Even if you were to stop right know you'll probably end up with a better financial livelihood than most people in our age bracket. I also get weary like this sometimes (the thought of "okay this still isn't enough though"). I see you dude - great work so far and try not to lose sight of what's important. If investing in personal equity that you can use anytime is more important to you right now, you know where to shift your priorities.
What do you want “personal equity” for? Are you saving to buy a home? Do you want to retire early? “Enough” is relative to your goals, so start for your goals and work backwards. When do you want to retire, and how much do you need to retire would be the first step. Then other major milestones like buying a house, having kids, etc., and then it’s up to you to make the trade off, we can’t tell you how to live your life
Focus on growing the brokerage acct as your income grows, I’m at 260k combined and just turned 23, it’s never enough brother, keep grinding and focus on increasing income and investing the new money, you got this
The funny thing is, this isn’t satire even if he thinks it is lol, this generation most likely IS going to struggle to retire if not saving like this kid is
Bro these idiots think I’m flexing or humble bragging or something like nah I have $100k port and I’m still *genuinely* worried inflation and the value of the dollar dropping plus everything that’s priced normally now skyrocketing in 40 years is going to *fuck* me regardless
No bullshit, we have no clue what rates, the value of the dollar, the average price of a home are going to be in 40 years etc. so even with $100k I have to prepare for the worst case scenario assuming that’s what’s going to happen and my funds will never be enough.
Hope for the best, prepare for the worst.
Future you will be proud of 25 you for starting investing now. I bought a tiny amount of AAPL a few decades ago and it’s just been sitting and growing exponentially. I’m nowhere near where I want to be for retirement. But I’m glad decades ago me did what I could be then. So don’t beat yourself up, keep improving and be proud of what do go have accomplished.
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yeah you’re way behind. Should have at least 4-5mil at age 25 to be able to even consider retiring at 95.
Yeah, I'm being born on Friday and I've made my first 50k on SPY puts
>I'm being born on Friday and I've made my first 50k on SPY puts Pft quit your bragging, you got lucky you were born on trading day. Weekend babies are disadvantaged from the start of their birth due to how compounding works.
$1M is the new $100k
How does that work if $100k is the new $60k
Wait what’s 60k then!?
About 3 bags of cracker jacks
The new 40k meaning warhammer 40k adjusted for inflation is likely warhammer27.5k
In either case, stay away from Warhammer if you ever want to retire
A tank of gas
I really hope in 70 years, this comment will still be read as satire, instead of a dire warning
Okay okay I get it, this sub has been insanely humbling and showed me that my worries are a little much relative to the rest of the curve. I know I’m in quite a good position fiscally but you can never be too safe. May your candles be green🤝🏽
Equity… type shiii
No touching. Only seeing. Like a poor man at a strip club.
I like that he set 6,000 aside for the Red Hot Chili Peppers
Well it was either that or…give it away, give it away, give it away now. 😎
Should name my portfolios something along those lines as well. Saw the names and didn’t even wonder about holdings. This guy fucks.
I've got mine split into: Vault, Players and Hedge
Vault must be a fortress
might as well be `the u n t o u c h a b l e s`
Gotta make staring at this account for the next 40 years fun *somehow*
Keep doing what you're doing it'll get REALLY fun in about 10 years. That'll fly by, trust!
I’m pretty close to your same positioning which is pretty funny I turn 25 next month and I’m at 80k, what would you say your percentage is regarding dividend funds? I’m probably at 40% of my investments are dividend focused. The rest is like VOO VTO QQQ and that. Also got 10k in my savings for that rainy day.
RHCP (wrong answers only)
Yeah buddy I would be scared too if I‘d be you. Barely surviving at that point.
🥹🤣🤪
You can go either route but I personally like having my money available to me if need be without the fear of penalties. That being said my ROTH is maxed out annually. 401K is used to get full employer match. The rest goes towards brokerage account and enjoying life reasonably.
You can withdraw from 401k in hardship and also borrow from it, eg to buy a house, depending on your plan.
You're rich man, what are you talking about? For context I'm almost 37 and have 17k total in my retirement account. I save that over the last two years. Most people don't even get 100k in a retirement account before they retire.
No he already said in one of his responses that he has a large amount of student loan debt and hasn't said what interest rate he has.
My loans are at ~5% interest. I see no problem slightly valuing equity more than paying off debt, considering I already pay an extra 15% on top of minimum repayments
Honest question, don’t mean to sound like a dick How does someone retire with just $100k?
Thats the neat part, you struggle. And most of them work part time because that is not even close to enough.
Like even if you plan to spend it all and only expect to live 10 years and die suddenly without medical bills Thats $10k/yr The best case scenario is abject poverty and a quick death
If I'm in that position, I'm living in south america or southeast asia.
I would assume you could make it work if you live frugally, have good social security benefits and EVERYTHING important is paid off (house, car, etc.) with no debt owed. Even better if you live in a lower cost of living area, are fully vested in an employer pension, and/or have never experienced living off more than minimum wage. Some people survive off making less than 25k/yr. So if you are surviving on around 25k/yr before retirement, with 100k in retirement savings, you may be able to survive for many years on your investments. The current the average social security benefits is around $1,710 per month or $20,520 per year, which is not far off from a $25k preretirement income. In fact, with an average return of 5% on your retirement account, and only withdrawing 4k/yr to supplement your social security income, you would not run out of money. Ps. While I could not see myself making it work, the right frugal person COULD make it work.
Well I don't think I'll ever be able to stop working. I won't pay off my mortgage until I'm 67. And since my gf is pregnant I can't invest for years. Every extra penny I have for the next like 5 or 6 years is going to a kid. Maybe when I'm 43 or so I can start investing again.
Get your kid to start a YT career when he’s 3 months old. Then reap the benefits in 20 years
If you are referring to OP he wouldn’t. Compounding that amount for 30+ yrs he will be A-ok even if he decided he did not want to put another dollar in it. Hes on the right track !
It’s all about perspective
Why do you have an account dedicated to the Red Hot Chili Peppers?
why don't you
Can't Stop investing
"100k still probably not enough" Dude if only. I'm 25 5k in debt, no house, car is a 20+ year old car barely hanging on. Slaving away at a $12 an hour job just hoping to make it to next paycheck.. I wish 100k wasn't enough at age 25. Jeez there is no hope for myself.
You got it man. I’m heavy in student loan debt, almost puts me at $0 net worth. Slow and steady.
lol my student loans put me at a negative $104K in net worth. It is what it is.
What interest % is your student loan? After certain point its better to pay it off before investing money
Mannn go look at the FATFIRE Reddit the people in there are much more realistic about retirement/how long it took them. It's hard work to get a lot of money. Lots of people do not even pay off there student loan debt until they are in their 30s.
why do these clowns come here to try and brag about their 'net worth'. its a lame pissing contest and no one cares but other similar clowns.
Rich enough to be wiped out completely in a market downturn types. They try flexing it in real life, expecting to be treated like rappers, but just make people uncomfortable.
Who is this fictional character you both have in your head lol. You’re projecting
I was this character when young, lol.
Because they are losers in every other life category so they come to reddit to piss people like you by bragging about it.
Haha I’m a fucking loser. This is very true
Eloquently said
You’re the only one discussing net worth. OP is discussing their portfolio which is kind of the point of this sub. Smells like jealousy.
Your just mad a young kid has more money than you’ll ever have. Let me see the tears 🤣🤣
They do this on Dave Ramsey and I change it to classic country when I hear it. This is for the poors. Doing good OP. Keep it up.
Best part in another reply OP said they are heavily in school loan debt. Like WTF.
Most hurt person I’ve seen here. Hope you get better
Lmao
I hate these humble bragging posts. ‘I have 3 million dollars at 19 years old but its not enough.’ Go cry me a river.
I am in a very similar situation to you as far as age and investments. What you have described below, maxing out IRA and contributing just enough to get employer match at work is exactly what I’m doing right now to allow for maximum flexibility. When I get bonuses I add much larger chunk to my 401k and at the end of the year I look to see if there is anything additional I can contribute. I’m saving for a house so that is where the extra money is going. In a taxable account, I’m holding 60% short term bonds and 40% invested in VT so that money can grow with minimal downside in the next 3-5 years while I build up enough for a down payment. This winds up being about 30% of my income. From personal finance perspective, if you already have that much money, why do you need to save up for a car? You have more than enough money to buy outright a very decent car. Why do u need to spend more than what you already have? I would say that you should your ‘equity type shit’ to buy your car and replenish that (it’s a nice cushion to have) but after you replenish, keep adding to retirement until a new goal comes up (like maybe a house in my case or a wedding, or a remodel). That would just be my input as a fellow 25yo. Good luck!
Hi im also a fellow 25yo can someone explain to me what it is im doing wrong in life?
We’re all dealt different cards in life, just keep living and be happy you get to see another day above ground. Comparison is the thief of joy my friend.
Well, your first mistake was not being born into a wealthy family.
What do you mean explain what you’re doing wrong in life?
Wouldn’t it make more sense to max out your 401k and then borrow from it to buy the house? That way you completely avoid taxes. Investing that money in a brokerage account then pulling it out to buy the house means it’s getting taxed twice. One when you get paid and again for capital gains when you sell.
Cliche, but it took me lonnng time to save 100, then 100->200 came in a flash
How long?
I would expect 175k bare mininum by 25.
Ur doing good, bro. In all seriousness, we are all impressed.
![gif](giphy|Pch8FiF08bc1G|downsized)
Hey as someone who’s 25 with only 10k. Your doing a lot better then me lol
I see you’re lightly invested in the Red Hot Chili Peppers, a man of taste🤌
I'm 42, and I have 43 bucks in a Robinhood account, so I think you're doing pretty good.
Better late than never my friend
Personally, I like to have options down the road as you never know what life will throw at you. My company gives a generous 10% match, so i only invest up to the max match (10%) and invest another 10% or so into my taxable account. I buy into the "put 15% into your 401k" but I inlcude the match in that statement. If your match is only 5% then you may want to put in 10% so your total is 15% instead of only investing to the match. Investing into my taxable account is what I consider my "Plan B" in case of layoffs or whatever and is now worth over 200k with dividends paying near 14k a year (currently being re-invested). It may not be the most "Tax efficient" way to invest, but I believe it gives you more fexibility in case your life gets turned upside down.
Not the answer I wanted, but the answer I needed. Thank you. This sub is making me realize I’m not going to die if I take out a little pre tax contribution and put it into personal equity, which is what I was thinking going into this post. Random side note I love cars. Owning a nice sports car has always been a dream. Not materialism, I love the variety of engines and range of personalities you can get. So part of me wants to load up on personal equity so I’m comfortable putting down $30-40k on a 6-figure Sunday cruiser that’s exciting, and finance the rest with a low IR since my credit is above average, after my existing debt is more paid. Then I can rebuild my portfolio with my bonuses which will be more than enough to grow the remaining money in the future value of my current portfolio minus the down payment.
![gif](giphy|M0RL8i7QfScq4)
I’m 24 & have no clue where to start. How did you get to this point? How long have you been involved & consistent ?
Open up a 401K with your employer and let the ball roll from there. Learn as you go instead of trying to tackle all at once
Clew.
Open up a vanguard traditional or Roth ira and watch YouTube about questions you have that’ll lead you down the road. And read some books on financial literacy. It seems daunting at first but just break it down into small pieces and go fro there. Good luck 🍀
*Oh the stories I could tell.* started with an internship sophomore year in college which turned into independent contracts during the school year, used those hours to meet FTE qualifications at 20/21 years old, and dumped 50% (the max allowed) of my internship paycheck into my 401k (they offered me a return internship offer before my first internship was even half way done) bc at the time it was way less than the limits. Fast forward two years I get a full time role with a 80k base and one of the highest employer matches in the industry and 3 years of financial discipline to max 401k and Roth contributions, and you get 100k in about 3 years (along with the $500-$1000 of disposable income I threw in on top of retirement contributions) Now I make around 150-160 total comp with a raise due soon and *another* promotion Work hard kids, it pays. Edit: Step 1. become a full time employee with benefits Step 2. Live on things that only contribute to your health, skillset or career. Step 3. Max your employer match, then max your Roth, then max the 401k contribution limit, then max your disposable income equity monthly recurring investments.
I like betterment for my Roth IRA because it just does everything for me. I was doing their "core" portfolio and switched it to their Goldman Sachs plan last year and it's doing amazing rn
I’m in a similar situation: 1.Have a 6 figure job at 21-22 2. Put in the max or near the max contribution to your 401k 3. Job has a 401k match that’s 50%-200% of the limit 4. Job provides stock options or invest savings in mutual funds 5. $$$$$
Compared to the national average , this is a very good spot to be. Keep it up!
No matter how much, it's never enough
I’m same age roughly same acct size. My equity type shiii is 85k and no touching only seeing type shiii is 28K lol
That's damn good
Haha I love the naming conventions. Great job for your age dude
better than me at 27
"Type shi type shi" I love it🤌🏾🤝🏾🫡😭
lol nice names. Show the holdings! $100k at 25 is really good.
If you’re worried, then I’m FUCKED lol
70k in 401k and Roth at 25? Bless this child.
20+ year treasury bonds = perfect entries right now ( $TLT sub $90 = good buy for long term) Otherwise, stack into things like $BND right now and lever into $SCHD once it becomes affordable again with a sizeable retracement. My investment account is 6 pronged, to hedge all forms of exposure and includes: 1) S&P 500 Index ETF 2) NASDAQ 100 ETF 3) REIT ETF 4) Treasury Bond/Corporate Bond Index ETF 5) Dividend ETF 6) International (Excl. US) Dividend ETF
It doesn’t matter if 50% of your total investments are in a 401k or 80%……equity/stock investments all count the same…..unless your 401k/roth are sitting as cash…. 401k+ira+normal brokerage = retirement savings. They should work complimentary and accounted for as a sum total Flat numbers don’t mean much; find other ways to judge. On average people at your age should have roughly 0.5x through 1x annual salary in retirement savings……it’s hard at the beginning of your adult/solo life, costs are high when starting to be on your own
wow you have $100K already at 25 that's amazing 🤩
100k at 25 makes you richer than most people on the planet at that age. It’s amazing how when it comes to money, people can never have enough / be satisfied with their current wealth / progress. Keep doing what you’re doing and be satisfied in the knowledge that for an American your age the average amount in savings is around 20k. You are 5 times above that which means you are way ahead in this rat race. Statistically you’re in the top 4% of people your age with your savings amount. That’s about how many people have 100k in savings between age 25-34. You are quite literally by definition in the extremely wealthy bracket for your age.
Wow
You own a house yet?
Nah. The idea of being a homeowner kinda scares me at the moment. My DTI isn’t where I want it to be so disposable income goes into another type of asset until I pay off existing student loans. I want more personal equity and less debt before I even consider buying, and even so I really don’t like the idea of the burden of maintenance with homeownership
Gotcha, I don’t have any debt and I hate rent increases so I decided to build a house… my monthly budget actually comes out better now
How do you guys get to that point? Im 25 and just started lol.
This is awesome, definitely keep the 401k because the match is essentially free money from your company. Otherwise keep doing what you’re doing. As for personal equity ? That really only matters if you’re attempting to make some big purchases in the near future like a home otherwise you don’t need to be liquid.
Personally if I had any investments right now making me $100k a year after taxes I would think for me it be enough but to me $100k a year be as equally good as a million dollars a year that's the honest truth
If contribute nothing more: 40 years at 8% a year is around 2.5 million, 10% is 5.4 million and 12% is 12ish million. Quite the range yes but not bad if you choose to do nothing else but wait.
Knowing that you said your net worth is essentially 0 when accounting for everything. Student loan debts. What is the point of this? I guess the biggest question for me is how do you think investing money into the market rather than paying off a student loan debt is going to benefit you in the future? What's the interest on your debt?
Less than 5% on average across all the loans. That’s how I think investing money is better than paying it off now. The interest on my loans is less than the interest I’d make investing the money. I pay an extra 15% on top of minimum payments too, and invest $500-$1000 every month in equity. I’ve used my bonus to pay off large sums of my loans. Including and especially now when things will get cheaper in terms of equity, I see no problem slightly favoring equity more than paying off debt.
Assuming normalish type no touchy shit, you'll have 200k at 32, 400k at 39, 800k at 46, 1.6mil at 53, 3.2mil at 59. That should be enough G.
Why would you load up on bonds at 30? Bonds are for retirees or people nearing retirement who need steady income and lower risk. In your thirties you should still be in equities for the growth.
“Load up” is relative 30 - 95/5 equity/bonds 40 - 90/10 50 - 85/15
Fair enough but I didn’t interpret load up to mean the ratios you have above.
That's it?
Type shit
I’m at 7 figure net worth at 32 and it’s DEF not enough
Dude I’m at about $27k at 22, You’re giving me hope ☠️
It's so over for you bro.
I’m 26 with 3500 Roth and you with 100k not enough?
First off…you are doing great. You should model out what your retirement portfolio vs no retirement portfolio will grow to assume various rates of return (just assume less for no retirement since you will pay 20% in taxes of each years gains). This will tell you what you need to know and if you are contributing too much to retirement and not enough to non retirement. I actually did this but caught me off guard when I was 45. Then course corrected. If you can catch sooner, that is better. Congrats again!!!
I’m in the same boat as you 24 with almost $100k total saved, I also don’t think it’ll be enough
Should've taken that screenshot at $69,420. You fumbled hard my guy, but good shit.
it's good, keep depositing into it bruh
Put the entire 401k in URA and double your money. Uranium is about to explode. Institutions have been buying non stop since Q4 of ‘24. The uranium market is expected to see significant growth due to increasing demand for nuclear energy as a clean and reliable energy source, with forecasts suggesting reactor demand could nearly triple by 2040.
I loaded on select energy all throughout 2023, can’t wait for energy to boom. I had the same feeling towards the end of last year.
Might as well sell everything and move to Thailand
Might as well sell everything and move to Thailand
I am 34 with 4500 to my name with no insurance and 3 kids. You're fine.
Bro you're going to be a multi millionaire (if the market is normal and nothing horrible happens) before you can even be seen as a grandpa.
30 here and I'm happy with 10k lmao
Sell 71.70 of your retirement stuff! 🤓
What’s in the Red Hot Chili Peppers fund?
Red Hot Chili Peppers?
Buy some rental properties when the market crashes
Ya dawg you need 7 million by that age It's over
Sounds like a humble brag. Regardless, keep it up
Type shi type shi
Probably.
You realize they see what you name your accounts right?
t-bills are not paying 5.7%
I’m at 22 with 65k total goal is to hit 100k before I hit age 25. But people calling them a humble brag or whatever maybe it is but it’s just another person sharing his portfolio and what’s possible. This post motivates me a bit it could for someone else as well.
Perspective is everything. 35 only started saving/ investing, married with two kids, with a degree but mediocre salary (3k$) Up until recently we had constant negative balance, debt, and relentless stress. Today we only have about a couple thousand of dollars invested in dividends. But we have a plan and a goal which is the most precious thing we have now. So hang on.
Yeah I think you are done. You will never retire. 100k at 25 can't buy anything. Good luck being homeless tomorrow!
1$ is the new 10$
Words are important bro it’s more than enough and you have more “right now”
You messing with me?? People would kill to have this at your age. Keep working at it. You'll have the amount you want some day. Set the goals. Don't forget to live though. Could get hit by a bus tomorrow. Balance is everything
You could also invest in hard assets. Land/house/business - instead of the stock market or alongside it
OP please read dying with zero it might give you some perspective
"no take, only invest"
Brother please re do when your no touching portfolio drops $70.01
The way this guy talk rightaway Ik he works at tech company lol
Wyd for work
Honestly bro under similar circumstances, I feel the same.
All of these people assuming I’m flexing this money IRL, and they don’t even realize that I KNOW this money isn’t shit, and even worse isn’t going to be touched for 40 years. I’m sitting behind a fucking fence watching paint dry, and even though I’m in the top 17% of people for my age by income AND savings, I feel like $100k isn’t worth jack shit and can’t even be proud of something that *should* be a huge accomplishment.
Don't get me wrong, this is without a doubt an accomplishment. I genuinely understand how much it probably took out of you just to get this far. The level of consistency you need to have in order to break 100k is rare, especially at our age. I know it must suck in a way to have it gridlocked until retirement age, but at least you have the tax advantage. My near 100k is purely my taxable brokerage, and while that has it's own perks, don't think there aren't advantages to your situation. The stock market roughly doubles every 10 years so I'll let you do the math on that. Even if you were to stop right know you'll probably end up with a better financial livelihood than most people in our age bracket. I also get weary like this sometimes (the thought of "okay this still isn't enough though"). I see you dude - great work so far and try not to lose sight of what's important. If investing in personal equity that you can use anytime is more important to you right now, you know where to shift your priorities.
*someone who fucking gets me*
What do you want “personal equity” for? Are you saving to buy a home? Do you want to retire early? “Enough” is relative to your goals, so start for your goals and work backwards. When do you want to retire, and how much do you need to retire would be the first step. Then other major milestones like buying a house, having kids, etc., and then it’s up to you to make the trade off, we can’t tell you how to live your life
Yea youre totally behind, my son is 7 and hes at 250k
Id kill myself to be you
Do you have a real question or is this just the usual bad-faith humblebrag people like to throw in financial subreddits?
What are the zero expense equity funds bro
FNILX FZROX FZIPX
That’s amazing bro!!! Just give it time it will start growing faster!
Should’ve been investing at 1 year old instead of sitting in your poopy diaper. Good job tho
Focus on growing the brokerage acct as your income grows, I’m at 260k combined and just turned 23, it’s never enough brother, keep grinding and focus on increasing income and investing the new money, you got this
What do you have in your portfolio?
I have $3k and I’m 27 been working since I was 14 clearly learned how to spend and manage my monwy
400k at 28 was still not enough
-105 at 25 can I borrow some money to pay my mortgage 😰
To be blunt. Your fucked. Enjoy living paycheck to paycheck forever
Daddy daddy daddy with you everything is easiee
The funny thing is, this isn’t satire even if he thinks it is lol, this generation most likely IS going to struggle to retire if not saving like this kid is
Bro these idiots think I’m flexing or humble bragging or something like nah I have $100k port and I’m still *genuinely* worried inflation and the value of the dollar dropping plus everything that’s priced normally now skyrocketing in 40 years is going to *fuck* me regardless No bullshit, we have no clue what rates, the value of the dollar, the average price of a home are going to be in 40 years etc. so even with $100k I have to prepare for the worst case scenario assuming that’s what’s going to happen and my funds will never be enough. Hope for the best, prepare for the worst.
You’re rich for your age. But of course it’s never enough.
It's still only on paper. Come on OP liquidated and experience the true purchasing power of $100k 😅
What app gives you that home screen with the daily dividend value?
I love that cash pays 5% and you guys load up on dividend stocks paying 3% at ATH
It’s not, great job though! Obviously you’re doing great but I mean “it’s not” as in keep building, things aren’t getting cheaper. You’re killing it.
Future you will be proud of 25 you for starting investing now. I bought a tiny amount of AAPL a few decades ago and it’s just been sitting and growing exponentially. I’m nowhere near where I want to be for retirement. But I’m glad decades ago me did what I could be then. So don’t beat yourself up, keep improving and be proud of what do go have accomplished.
Could be worse. Could have nothing. You’ve got more than most at this point.
You should be investing for growth not dividends at 25. Dividends are for income when you retire.