Tag: option trading

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I found him in a shelter about 5 years ago and noticed he had a knack for picking stocks. I asked him what to trade today and he instantly went for puts l, without even sniffing calls. submitted by /u/PolkHighLegend_33 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

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I’ve read all the FI materials and most of it focuses on a huge pretax bucket, and I understand why. But I’m in (what feels like) a unique situation where my Roth is large but my pretax and taxable are relatively small. I was blindly maxing my Roth from 2003-2021, which is when I realized I need non-Roth monies to RE without tax penalties. Anyways, I’m working through how to bridge from now until 59.5 (I’m 43), and would love to discuss with others who may be in a similar situation. I’ve bounced a few ideas around with chatGPT but would really appreciate some human input, but maybe that means I should really seek a fee-only fiduciary. I think for those with a large Roth, and smaller taxable and pretax monies, some more obscure ideas I’ve been looking at are things like utilizing Rule of 55 to access pretax funds out of a solo 401k (or just finding a job for its 401k to utilize Rule of 55), and also using a HELOC or PAL to simply borrow money as 59.5 gets closer, knowing Roth funds can easily pay it off once 59.5 hits. submitted by /u/FIREgenomics [link] [comments]

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TL;DR: Warsh wants the Fed to judge inflation using Trimmed Mean PCE instead of Core PCE. That matters because Trimmed Mean PCE is currently much lower — about 2.36% versus 3.20% for Core PCE — making inflation look closer to target and giving the Fed more justification to cut rates. https://www.brookings.edu/articles/what-are-trimmed-mean-and-median-inflation-rates-and-why-does-kevin-warsh-prefer-them/ https://preview.redd.it/umz0cl2rtt1h1.png?width=2000&format=png&auto=webp&s=c26b454e30f6c2bd4b7c27c3815b411724696b0a submitted by /u/Dioxbit [link] [comments]

Walmart: $489 million Coca-Cola: $186 million McDonald's: $91 million Home Depot: $85 million Nvidia: $56 million Microsoft: $42 million Oracle: $41.7 million Amazon: $35 million Apple: $30 million Cisco: $19.7 million Disney: $17.3 million Adobe: $14.6 million AMD: $7.4 million Netflix: $7.3 million Costco: $6.3 million FedEx: $5 million Starbucks: $4 million Tesla: $3.7 million eBay: $3.6 million Target: $3.4 million Broadcom: $2.8 million Nike: $2.4 million Alphabet: $1.9 million Mastercard: $1.3 million submitted by /u/Foreign-Policy-02- [link] [comments]

I will be reporting the pigeon to the SEC. submitted by /u/-Username-Username [link] [comments]

ChatGPT launched a personal finance experience recently. Would be curious to hear people's experiences. It could be a useful Mint replacement. https://openai.com/index/personal-finance-chatgpt/ submitted by /u/tsunami10 [link] [comments]

According to Foreign-Policy-02- in this post, the US stock market has dropped from Q2 -> Q4 during midterm election years. But is that really true. You be the judge. submitted by /u/tabrizzi [link] [comments]

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So I’ve been deep in the whole financial independence journey for ~1 decade now. At $4.2M in net worth. Started as a normal person working out of college and consistently investing over time. When I was 29, I met this girl who I thought was the one - checked all the boxes except she liked to spend more than I felt comfortable with because I was deep in the saving journey and wanted to reach at least millionaire status before loosening up. Spent around $1k/month on dates for the first few months but I had to cut it back to ~200-300/month for dates because I wasn’t saving enough and life in NYC was expensive. She broke up with me because she felt like I valued money over her. I explained to her I preferred budgeting so we can spend more intentionally and on this plan, we could retire by 40. She wasn’t having it. Fast forward to today, at age 36, I am pretty close to fat FIRE and can obviously now spend the amount she wanted but I’m in another city where the dating opportunities are not as good. It’s like I traded one opportunity for another. I know I can just go out there and find another girlfriend, but it’s a lot of work and I haven’t found it a similar one that I’ve been as attracted to or have as close of a match to. Just wanted to get this off my chest because it’s unfortunate the financial independence goal had to have this trade off. submitted by /u/Intrepid_Passion_853 [link] [comments]

56 year old wife 54 1.8m in liquid x .04 = 72,000 yr Rent income = $18,000 yr So $90,000 until ss kicks in for me 6 years Ss = $27,000 Wife ss = $18,000 Total ss = $45,000 No debt now and still working as teacher/coach but I am on provisional and i need 4 classes to get certified. Can teach 2 more years provisional then possibly give up teaching and coach. Live in lcol area so if we quit today..90k lifestyle for 6 to 8 years $135k lifestyle after that Does it make sense to keep teaching and take classes or pull plug and try to manage a life on what i have accumulated. Living costs are 90k and could scale back 20% if needed. submitted by /u/Buckets-22 [link] [comments]

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Hi everyone, I have something really important to say to you all. I was just clocking in for my shift behind the Wendy’s dumpster to give out some "favors" to cover my blown-up 0DTE SPY puts. Right as I am setting up my cardboard box i watch this overweight pigeon demolish a half-eaten Baconator, take flight, and absolutely carpet bomb some dude who was aggressively checking his AMD calls. The splatter radius was completely unhinged. Seeing retail get literally dumped on in broad daylight is the ultimate contrarian buy signal. The bottom is in. Markets are going green tomorrow. Calls on everything. Either that, or my "client" list back here is about to get a lot longer. See you boys out back. submitted by /u/Hasegawa_Hatsu [link] [comments]

It has been a while since I have posted a Due Dilligence post here so buckle in because this is going to be a long one. No AI in this one either, this is all from the dome. Here is my Original DD Post from 5 years ago and boy do I feel lucky that I have been able to build my position over time. A lot has changed since then, but some of it is still relevant. So why has the share price increased and where is it going the rest of the year? X users have been tracking recent $NOK options activity. Dec 2026 $24 calls worth $4.15M Jan 2027 $27 calls worth $1.5M Sep 2026 $19 calls worth $3.4M June 2026 $17 calls worth $700K Calls have always been a dangerous game with $NOK, but these definitely caught my attention. There have been numerous examples of "unusual" options activity in the last 5 years, but I cannot remember a time when it was this big and this bullish. These buyers could all be wrong. But big money players tends to know what they are doing. So why are these calls being purchased? To frame this post, I wanted to address 5 rumors that have been circling Nokia recently and share my opinions. Nvidia is Going to Buy More If you are on this sub, you likely know that Nvidia bought $1B worth of Nokia shares in October of 2025. This is nearly a 3% stake in the company. However, there are 2 things about this that have always struck me as odd. First is that all of Nvidia's recent investments/partnerships (Marvell, Coherent, CoreWeave, Synopsys, Lumentum, and Nebius) have been $2B stakes. Why is Nokia's only $1b? There could be geopolitical reseasons (more on this later). Perhaps Nokia or the Finnish Government/Solidium wanted to limit outside control/ownership. If you watch this Interview of Jensen Huang and Justin Hotard, you will notice it starts mid-interview now as do all of the other clips I can now find it. Originally in this interview, Jensen started by saying that "no body knows communications better than Nokia" and that "he wishes the investment could have been $2B." If anyone can find the video let me know, but I think it has been scrubbed from the internet. Only proof I have is this Comment of mine referencing it 7 months ago. So maybe Nokia negotiated a staggered buy in. This would not be out of character for the organization. They have treated buybacks similarly in the last few years. Instead of buying back shares all at once as many organizations do, they have bough back small tranches of shares over time. Conclusion: These calls could be coming from Nvidia insiders. The US Federal Goverment is Going to Buy a Stake This may sound ridiculous at first, but this has been a rumor since early 2020. Attorney General William Barr Publically Stated This years ago and it was a big part of why I originally entered a position in Nokia. This is why the Rip and Replace program exisits. The current administration has been hot on foreign tech in US telecommunications since their first term in power and nothing has changed. If you watch the Interview of Jensen Huang above, he is asked about the current administration and he reiterates that current US telecom is built on "foreign tech." That phrase is somewhat funny to me because even though the CEO is now an American, Nokia of course is a foreign company based out of Finalnd. This is also the reason why most think the US gov will never buy a stake in Nokia. They will not buy a stake in a non-US company. I do tend to agree. It could be a way to better align with the EU whichFinland is now a part of, but this administration does not seem too keen on the EU. It has also been rumored that Nokia may move their HQ to the US. Not sure that is likely, but Nokia Pledging $4B in US Investment and Nokia Bell Labs Opening New HQ in New Jersey in 2028 could both be signs that this may eventually happen. Nokia owns what used to be Lucent Technologies which was a a massive spin-off of AT&T’s systems and Bell Labs in order to to sell hardware to telecom carriers. This could also explain why Nvidia did not buy all $2B at once. They are waiting for the US gov to buy their shares before investing the other $1B. Nvidia Purchased their $5B stake in Intel a month after Trump bought $9B. The thesis behind this rumor is that Nvidia + Nokia create a true competitor to Huawei in the aggregate. This timing of these calls with Trump's trip to China intrigue me. Trump has a strong relationship with Finnish Prime Minister Alexander Stubb. This Article calls Stubb Trump's closest European confidant. Nokia was also a hot topic during Stubb's 2025 October visit to the White House. That visit led to a deal in which the US agreed to buy 11 icebreaker ships from Finland. Conclusion: These calls could be coming from US Government insiders. Nokia is Closing a Massive Deal with Google If you missed u/Mustathmir post in r/NOK from a couple days ago, he referenced Here that Deutsche Bank raised their Price Target on Nokia and referenced the "strong likelihood that this development has been driven by a significant deal with Google." In their recent earnings call, Google did say that thei Capital Expenditures will hit $190B in 2026 and Expects even more in 2027. That money has to go somewhere, perhaps it is going to Nokia. Nokia has a solid history with the hyperscaler. They First Partnered with Google Cloud in 2020. They have expanded that partnership many times over the years including partnering on AI-Powered Network Automation in 2025 and APIs earlier this year. Conclusion: These calls could be coming from Google insiders. Nokia is Closing a Massive Deal with Microsoft This is a post about rumors, so this one is pretty light on details. This post on X stating that Microsoft is investing $100B in Infrastructure and Hosting Services has gained some traction. I have seen a few users post they believe Nokia could be a benefactor of this. Again, not a ton to back this one up. Obviously Nokia is a big Infrastructure player. Nokia and Microsoft obviously have a long history with Microsoft buying Nokia's phone division back in 2014. A lot has changed since then, but Nokia is still working with the hyperscaler. In 2021, they partnered on Cloud Solutions for Enterprises. Conclusion: These calls could be coming from Microsoft insiders. Leopold Aschenbrenner is Buying a Stake And finally the rumor I care least about and think matters the least short & long term. Aschenbrenner is a German AI researcher and investor. He was part of OpenAI's "Superalignment" team before he was fired in April 2024 over an alleged information leak. He then founded Situational Awareness LP, a hedge fund investing in companies involved in the development of AI technology and turned $225M into $5.5B. His 13F was supposed to come out last week, but never did. Some think he either got permission to file late or confidentiality, but not sure either way. His holdings over the last year have performed well (Intel, Sandisk, Bloom Energy, Lumentum, CoreWeave, Coherent, Applied Digital). Conclusion: These calls could be coming from Leopold Aschenbrenner. All in all, exciting times currently and ahead with Nokia. Whether multiple or none of these rumors come to fruition, I am excited to see where the company goes in the coming years. It has been quite the roller-coaster these last 5 years and I am sure there will be more highs and lows in the next 5. I look forward to experiencing them. My general thesis from 5 years ago still remains accurate in my eyes - Nokia is undervalued and "one of the most captivating investment opportunities in the market today." submitted by /u/moneygrabber007 [link] [comments]

The schizo who got shatted on was totally in the wrong as when the fecal matter exits the bird, the area below is classified as a "Natural Toilet". There's a toilet in your bathroom. Do you hang out in the bowl? If the shit did hit, you must acquit. Also SPY 800 EoW. submitted by /u/RunsaberSR [link] [comments]

I am the director of Aerial Operations at Pigeons Incorporated and I would like to formally deny involvement in today’s shoulder strike. First off, we pigeons do not waste premium aerial ammunition on a man already trapped in an AMD 200/215 call spread during peak IV confusion. That’s excessive. We have ethics. Second, your interpretation system is completely backwards. Red days are caused by dumb bears saying “this can’t possibly go lower” before a major announcement or market event. We are merely observers. For the record: - 2019 shoulder hit = random stimulus checks - 2021 shoulder hit = meme stock gamma apocalypse - 2024 shoulder hit = AI bubble phase 7 - Today = unrelated digestive event from an amateur juvenile pigeon named Carl Also, the “drone pigeon” accusations are hurtful and frankly outdated. If we were federally operated, do you really think we’d still be eating cigarette butts outside Walgreens? Anyway, based on rooftop sentiment analysis and stale french fry liquidity indicators, tomorrow will open green, rug by noon, then somehow AMD closes exactly where maximum pain hurts everyone equally. As always, Coo coo. submitted by /u/RealSchweddy [link] [comments]

Hi, I'm birdpoop that flies out of this one pigeon straight onto a crackheads shoulder. Markets will go sideways tmrw, fuck your puts, fuck your calls, theta gang all year round. submitted by /u/MaleCowShitDetector [link] [comments]

I just shit on some guys shoulder again now and I’m straight cawing right now. I’ve been doing this since this crackhead thinks that by me shitting on his shoulder it’s gonna result in a little red day for his stocks. Well fuck him stocks only go up, Green Day tomorrow. submitted by /u/ImAWalkingBot [link] [comments]

Only 5 times in my life a pigeon pooped on my right shoulder. Today I went out with my bro and I got s**t on. I have 6 Amd long calls at 200$ and short calls at 215(edited). So I am stuck unless the market goes down so I can slowly pay back my short calls. Every time a pigeon s**t on my shoulder for the last 15 years, I made more money than needed and from somewhere unexpected. Hence I believe the short term bear market is coming. Tomorrow will be a red day. Either this or the drone pigeon marked me to be “fixed”for not paying my debt. submitted by /u/Where_is_Gabriel [link] [comments]

Back in 2022 I made some really stupid gambles. Not even going to call them trades... but for 4 years I had at one point a -106K loss on my account overall. At the time (2022) it was nearly 1/3'rd of my entire net worth. 35%, gone. Mostly over one bad trade with $LULU. I got cocky and put $80k into an option that expired shortly, and some nerd downgraded it on a random Wednesday (not even around earnings) and it dropped 9% in a day. It took me 3 months this year to get it all back. I started trading again after a 3 year break. Came back really just before the Iran war started. I set a goal that by the end of the year I would breakeven from my loss, but with a little grit and 1,000,000 mistakes along the way. (paper hands, selling too early, panic selling, panic buying, chasing etc...) And the historic bull recovery + luck timing. I got it all back. I can't tell you how relieved I am of making it work. Half of my money is in a safe "managed" portfolio from Schwab but I am smoking that portfolio by nearly 20% YTD. Let the good times roll! Biggest plays: $LLY / $AMZN / $USO Biggest change: Don't fight the tape. Being a contrarian trader is not worth it. Also, concentration builds wealth, diversification protects it. I'm still in $LLY submitted by /u/trsx5 [link] [comments]

I saw a video from a Financial advisor where he says that community, purpose, relationships, control and new experiences are pillars of a happy life. I agree. And I was watching a guy's vlog in his 30s who FIRED but got bored. It made me reflect. Im trying to plan RE, but currently I think when I achieve FI, Ill not RE. - I hate corporate for the layoffs, politics, interviews, etc - My job builds skills that I use to help others through volunteering, it gives me purpose, community, relationships. My corporate job does not give me purpose. - I have travelled multiple times for a very long time (gives me new experiences), I love it. I dont think I have to RE to do this. I can do it when I quit/sabbathical/layoffs. - For my hobbies, I play sports (gives me relationships and community). If I RE I think ill end up spending most on video games and watching TV all day, which could be too boring. - Im too young, I think. If I were to quit corporate, I would maintain the same interests I have but travel more aggressively. Does anyone else have the same dilemma? How did you plan your RE? submitted by /u/badboyzpwns [link] [comments]

Note: 50k workers is 40% of Samsung's South Korean workforce $DRAM holdings = 20% Samsung, 27% SK Hynix Few days later, Samsung was granted court injunction against imminent strike action Discuss: Bullish or bearish for MU, SNDK, WDC, STX? Supply squeeze or demand slowdown for memory prices? Short-term shock or longer-term pricing catalyst? -- Source 1: https://www.investing.com/news/stock-market-news/samsung-strike-looms-why-analysts-say-to-watch-mu-as-memory-fabs-warm-down-4692589 Samsung Electronics has entered emergency management mode as up to 50,000 employees prepare to strike for 18 days starting May 21, according to Mizuho TMT Sector Specialist Jordan Klein. The company has begun a "warm down" of its memory fabs at the Pyeongtaek facility to prevent equipment damage during a potential stoppage. Samsung management and its union remain far apart on negotiations, with the union demanding a 15% share of operating profits and removal of bonus caps. The company’s stock dropped 8.6% on Friday. -- Source 2: https://www.tomshardware.com/tech-industry/samsung-starts-winding-down-chip-producton-six-days-before-planned-18-day-strike According to the Seoul Economic Daily, daily losses could approach 3 trillion won ($2 billion) if fabrication lines are paused entirely. Professor Kwon Seok-joon at Sungkyunkwan University previously estimated that the 18-day walkout alone would cause 10 trillion to 17 trillion won ($17 billion) in direct losses, while JPMorgan has projected total losses of up to 43 trillion won ($28 billion) when factoring in labor costs and extended production disruption. https://preview.redd.it/0v7difz13p1h1.png?width=1594&format=png&auto=webp&s=2381d62cc48e775706cf6c61547c424944885a6a https://preview.redd.it/os7g9o043p1h1.png?width=1583&format=png&auto=webp&s=5f7583831bb7eb16dbcec10e6392f8b2a588eaed submitted by /u/callsonreddit [link] [comments]

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Currently 24 with a net worth of 200k. I live in a HCOL city in the US. I have zero clue what I want to do with my life. Not sure on kids, not sure on where I want to live. Flexibility is important to me. I’d like to retire early, but I’m not sure when/how. Current net worth breakdown (round numbers): 401k: 80k Taxable brokerage: 105k Cash: 15k 85% in large cap US equities; 15% in mid cap. I maintain a small trading sleeve (~$10k) for discretionary purchases and speculation. Income and growth: Annual income is 300-350k (and household income w/ my long term partner is a bit over 400-450k). I work in finance and receive a large portion of my compensation at the end of the year. It’s much less variable than other positions in my field, but there’s always the chance that I get blown out and 0’d for the year. Over the course of my career, I would expect my annual income to cap out at about ~LSD $M unless I go back to school. My rent is $4500/mo, I spend probably $1500/mo on all other recurring expenses. We live very simply and I don’t really get much out of luxury/spending money. I’m planning on saving around $150k/yr. I hope to have around $600k NW by 26, via $300k of saved capital and some appreciation. Questions: - Big picture, what should my top financial planning priorities be? What decisions can I make today, to support long term flexibility/stability? - Any advice on tax planning/avoidance? I do little today to mitigate my tax bill. - Any other words of advice? - What did it take for you to find purpose/direction in your life? submitted by /u/Dangerous-Chair6804 [link] [comments]

I was running some projections and certain situations had me converting to Roth and I wasn’t able to hit my 80/20 equity allocation because I had bonds turned off in the Roth, only 401k. So that got me thinking, is there any correlation/SORR risk data on someone who is 80/20 100% in a 401k, paying ordinary income taxes in retirement, vs 100% Roth maybe at 90/10 but not paying any taxes? Basically does a Roth allow for a more aggressive equity allocation because you are drawing less than someone in a 401k? submitted by /u/kjmass1 [link] [comments]

I’m 38, make 165k salary. married file jointly with a stay at home wife, 2 kids. -Paid off house $ car (share, I WFH) -370k in traditional 401k -50k in Roth IRA / maxing -50k in spousal Roth IRA / maxing -50k in 529 -20k in HSA / maxing -30k brokerage / $500 a month in -50k cash I am maxing out both of our Roths and our HSA. I stopped contributing to my traditional 401k as we have no match and I want some more money for the in between years. I just got a side gig consulting that I expect to make 20-25k a year in. it is 1099c I’ve never done 1099 and don’t have much if anything to write off so I’m wondering what my best option here is. I know technically I should probably max the 401k to save 4-6k a year on taxes but I really like the idea of bolstering the accounts I can touch in those in between years, too. Wondering if I should do a Solo Roth 401k and pump in the money from the 1099 gig for a while and then convert it to my Roth IRA after (assume I can do that) or just find any write offs I can and lower that 1099 money as much as I can and just pump it into a brokerage? Any suggestions would be helpful keeping in mind my goals of flexibility now-retirement. im not really looking to retire early per se I just want independence as soon as I can get it as I don’t know if the gettin will be this good for me forever 🙂 submitted by /u/DoeJumars [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

I'm 53, and nearing retirement having saved a few million dollars, which i consider quite good. When I see people on these forums who are 27 making $350k a year, I'm just amazed. To give some context, When i was 30, I was fairly successful amongst my friends, living in vhcol city (not as high back then), say 2003, and I think my nw was about $100k, and I made about $95k which i thought was a lot. it gradually increased maxing out around $250k into my 40's. I didn't know anyone who made over $300k back than, and if there were, it was very unusual. It seems like its very common place nowadays. Is it recent? Or am is it the forums I am on? submitted by /u/Available-Ad-5670 [link] [comments]

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I thought this was an interesting and good read from 20 years ago, written by someone who retired early after working in software: https://philip.greenspun.com/materialism/early-retirement/ I first read this a while ago but it just came back up the other day. Some things that stood out in particular: The idea that "once you're retired, your only job is to be happy" as sort of a dangerous trap was interesting. Also the point that much of your life will continue to be boring/mundane/you'll still have chores to do, but there might be pressure to feel like you should be happy all the time because you're retired His advice against working with non-profits is also interesting. Wonder how much that's changed in 20 years. I definitely think the section on teaching probably doesn't apply as much... Giving kids $1 for every $X they earn is an interesting approach to passing along money to children submitted by /u/elementninety3 [link] [comments]

Last chance to contribute your data to the 2025 survey. Take it today. https://www.reddit.com/r/financialindependence/comments/1sohcge/the_official_2025_fi_survey_is_here/ submitted by /u/Melonbalon [link] [comments]

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Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

We started a Roth conversion ladder after reaching r/coastfire. Now in our 3rd year, we did the conversion earlier in March but forgot about the ACA subsidy cliff for 2026. We had employer coverage until March. Now that we are trying to get back on an ACA plan, we are not eligible for the subsidy due to higher MAGI. I don't have extra funds to put in a traditional IRA to lower MAGI. I was thinking if I withdraw some older Roth contributions ($16K between two spouses) then contribute those funds into a traditional IRA, it will lower our MAGI. Is this a good strategy? Any other suggestions? submitted by /u/pdxnative2007 [link] [comments]

For those who missed it, the 2025 survey is open u til Friday. Slack a little at work today and go fill it out! https://www.reddit.com/r/financialindependence/comments/1sohcge/the_official_2025_fi_survey_is_here/ submitted by /u/Melonbalon [link] [comments]

Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. submitted by /u/AutoModerator [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

Howzit going , I’ve wrote on the exact forum the past two year on my journey to financial independence . A lot has changed for me personally since I wrote last year in April 2025. Since the last time writing in this forum I had a net worth around 152k; fast forward a little bit over a year, I currently sit at 201k as my current net worth. Not much has changed since last year other than I’ve changed my living situation where I moved to a different area where I pay more in rent. I have a decent savings rate and I also contribute 25% to my 401k currently and maxed my Roth IRA for the year. I live very frugal and budget every dollar. I invest every week outside of my 401k into the market into my brokerage account. Ambitions have changed a little bit and I signed myself up for a Ironman triathlon, I know that will be expensive but I’m willing to make the sacrifice for it. I’m very content and grateful for the situation I’m in. I’m very locked in on my goals in all parts of my life. I don’t ever feel like I’m behind or missing out as I do I find enjoyment in my hobbies / passions. I still would like to consider FIRE or some form of “financial independence” by 35-40 , the earlier the better. Mahalo for reading , ask me anything. I love to talk and meet others who share the same mindset and goals. Pray that everyone who reads this success for their life. 🤙🏽 submitted by /u/Keolacampa [link] [comments]

Just crossed $1M net worth before 30. Immigrant story + career progression + lessons learned I honestly still can’t believe I’m typing this. A little over 6 years ago, I graduated university with a degree in electrical and computer engineering and started my first job making $45k/year in late 2019. Today, at 29, my wife and I just crossed $1M net worth. I know posts like this can sometimes feel out of touch, especially in today’s economy, so I want to say upfront: I know there was a lot of luck, timing, privilege, and opportunity involved here. This isn’t some “just work hard and anyone can do it” story. I’m just grateful. I moved to Canada as an immigrant, and one of the biggest advantages I had early on was my parents helping cover most of my tuition costs. I also had scholarships throughout university, but graduating with little to no debt gave me a massive head start in life, and I’ll never take that for granted. Career-wise, the biggest thing that changed my trajectory was refusing to get too comfortable. My first job out of school was basically a support role paying ~$45k. I stayed there only a few months before switching to a more development-focused engineering role paying ~$70k. At the time, that already felt like “good money” to me because it was a company I really wanted to work for. But during that period, I discovered Blind, and for the first time I realized how insane compensation could get in tech, especially in the US. That completely changed my mindset. I spent months grinding LeetCode, studying distributed systems, system design, interview prep, etc. It honestly became a second job. Eventually I landed offers at places like Google, Meta, Amazon, (then) Twitter, Dropbox plus a fully remote startup offer that ended up making the most sense for me at the time. Google/Meta/Amazon would’ve required moving to the US and going through the H1B process before I had citizenship, which felt too risky, so I took the remote offer instead. That ended up changing my life financially. One thing I learned very quickly was how much aggressively switching companies accelerated my compensation growth early on. For context, here’s what my yearly income progression looked like: 2019: ~$45k starting salary 2020: ~$72k total income 2021: ~$86k 2022: ~$208k 2023: ~$290k 2024: ~$350k 2025: ~$605k A lot of the jump in later years came from RSUs, promotions, and switching companies strategically. 2025 was definitely an outlier/peak year and I don’t necessarily expect that trajectory forever, especially with how volatile tech has become lately. Somewhere in the middle of all this, I bought a home in 2022 and got married in 2024. My wife has been a huge part of this journey too, and once we got married I started maxing out her tax-sheltered registered accounts (TFSA/RRSP/FHSA) as well. Here’s an approximate account breakdown: Cash: 65k Tax-sheltered investments (TFSA/RRSP/FHSA): 555k Non-registered Brokerage: 305k Home Equity: 100k What’s funny is that after years of obsessively saving and investing, I’ve recently started questioning my relationship with money a bit. For a long time, every dollar had one purpose: grow the number. But lately I’ve realized experiences and relationships matter way more to me than endlessly optimizing spreadsheets. We’re upgrading to a bigger home soon, and for the first time I’m allowing myself to loosen the grip a little and actually enjoy some of what we worked for. I’ve experimented with some “luxury” experiences recently too, like business class flights, nicer hotels, etc., and honestly… none of that has brought me nearly as much happiness as just spending time with family and friends and feeling at peace with where I am in life. I still care about financial independence. I still save aggressively. But I’m starting to understand that money is just a tool. The biggest lesson from all of this for me was: don’t get complacent too early. I genuinely think my life changes dramatically if I stay comfortable at that $70k job because it felt “safe enough.” Keep learning. Keep applying. Keep interviewing. Keep betting on yourself. And also: don’t forget to enjoy your life while you’re building it. submitted by /u/AlphaFIFA96 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

GM Everyone As you’ll see from many others, there’s no one else I can really share this with other than my wife & father. Currently at 2.062M (including $550k paid off home) I’m not someone that ever really includes our home, but neat to see we cracked the 2M milestone Ballpark of our current finances (36M/35F): 401k: $664,000 Spouse 401k: $132,000 Taxable: $550,000 HYSA: $128,000 IRA: $36,000 Total: Roughly $1.51M, not including our home Annual Spend: $42k Looking to leverage our position sometime between August & Feb to quit my corporate job & take a gap year, simply to recalibrate, focus on family & think about what I want to do next. Wife is 10000% supportive of the decision, in fact she wants me to quit asap, but I want to accumulate a bit more. Ideally, if i make it til Feb, I can earn 1 more annual bonus. Although I’ve run all the simulations and the data tells me that waiting changes very little, I still lean towards additional security. The job no longer resonates with me & corporate continues to make our day to day increasingly more difficult. I’m saving/investing about $15k/month and to be honest, it’s no longer a motivator. It’s time to move on, I just need to pick a timeline and stick with it. Also worth pointing out, I’ve been very intentional with our finances, especially our Taxable account. At the end of this month, $100k of the Taxable account will be in SGOV, an added security buffer to aid our HYSA while I take time away. My plan is to add a bit more to HYSA between June-Aug, then divert the rest of our income to VTI/VXUS before ultimately quitting in Feb. i’d then use the Bonus to cover our expenses for 1+ years so we don’t have to stress it. submitted by /u/Aggravating_Bench552 [link] [comments]