What are the top 10 Commandments of Options Trading Strategies

Options Trading/Strategies

AI Dashboard is available on the Web, Apple, Google, and Microsoft, PRO version

This blog is about the top 10 Commandments of Options Trading Strategies.

Options trading is a complex and often risky business. However, by following some simple rules, options traders can increase their chances of success while minimizing their losses.

Option strategies are the simultaneous, and often mixed, buying or selling of one or more options that differ in one or more of the options’ variables. Call options, simply known as calls, give the buyer a right to buy a particular stock at that option’s strike price. Conversely, put options, simply known as puts, give the buyer the right to sell a particular stock at the option’s strike price. This is often done to gain exposure to a specific type of opportunity or risk while eliminating other risks as part of a trading strategy. A very straightforward strategy might simply be the buying or selling of a single option; however, option strategies often refer to a combination of simultaneous buying and or selling of options.

Options strategies allow traders to profit from movements in the underlying assets based on market sentiment (i.e., bullish, bearish or neutral). In the case of neutral strategies, they can be further classified into those that are bullish on volatility, measured by the lowercase Greek letter sigma (σ), and those that are bearish on volatility. Traders can also profit off time decay, measured by the uppercase Greek letter theta (Θ), when the stock market has low volatility. The option positions used can be long and/or short positions in calls and puts.

Below are the 10 Commandments of Options Trading:

Get 20% off Google Google Workspace (Google Meet) Standard Plan with  the following codes: 96DRHDRA9J7GTN6
Get 20% off Google Workspace (Google Meet)  Business Plan (AMERICAS) with  the following codes:  C37HCAQRVR7JTFK Get 20% off Google Workspace (Google Meet) Business Plan (AMERICAS): M9HNXHX3WC9H7YE (Email us for more codes)

Active Anti-Aging Eye Gel, Reduces Dark Circles, Puffy Eyes, Crow's Feet and Fine Lines & Wrinkles, Packed with Hyaluronic Acid & Age Defying Botanicals

  1. Do your homework. Before entering into any options trade, make sure you understand the underlying security, as well as the risks and rewards associated with the trade.
  2. Have a plan. Options trading is not a get-rich-quick scheme. Carefully craft a plan that takes into account your investment goals, risk tolerance, and time horizon.
  3. Use stop-loss orders. A stop-loss order is an order to sell an asset when it reaches a certain price point—the point at which the loss on the trade would become too great to bear. By using stop-loss orders, options traders can limit their losses on any given trade.
  4. Let winners run. Once an options trade is profitable, resist the urge to take profits too early. Instead, let the trade run its course and reap the full rewards of a successful trade.
  5. Cut losers short. On the other hand, when an options trade is going against you, don’t be afraid to exit the position and take your losses. Trying to “fight” the market will only lead to further losses.
  6. Manage your risk exposure. One of the most important aspects of successful options trading is managing risk exposure. Make sure you don’t have too much of your portfolio invested in any one security or sector. Diversification is key to mitigating risk in options trading (or any kind of investing).
  7. Use limit orders. A limit order is an order to buy or sell an asset at a specific price—the price at which you are willing to enter into the trade. By using limit orders, options traders can better control their risk exposure and avoid getting caught up in volatile markets.

8 . Be patient . Patience is a virtue in all aspects of life, but it’s especially important in options trading . Don’t enter into trades just because you’re feeling antsy—wait for opportunities that meet your investment criteria . And once you’ve entered into a trade , resist the urge to “trade emotionally” and instead let your original analysis play out . Over-trading is one of the biggest mistakes options traders can make .

9 . Stay disciplined. Like patience, discipline is also key to success in options trading . Once you’ve developed a sound investment strategy , stick to it ! Don’t let emotions influence your trades — if anything , emotion should be kept out of trading altogether . The best way to do this is by developing a clear set of rules that you always follow when making trades . If you can do this , you’ll be well on your way to success as an options trader.

10. Have realistic expectations . Finally, it’s important to have realistic expectations when trading options . Remember : there are no guaranteed winners in options trading ! Every trade involves some degree of risk, so don’t expect to win every single time. If you approach each trade with reasonable expectations and focus on long-term success, however, you’ll be well on your way to becoming a successful options trader


AI Unraveled: Demystifying Frequently Asked Questions on Artificial Intelligence (OpenAI, ChatGPT, Google Bard, Generative AI, Discriminative AI, xAI, LLMs, GPUs, Machine Learning, NLP, Promp Engineering)
What are the top 10 Commandments of Options Trading Strategies

Furthermore:

  • Thou shall always take 100% daily gains or 200% all time gains.
  • Do not fall into temptation and buy during the first 30 minutes of market open. (Selling positions is still permitted)
  • Thou shall not buy calls on green days.
  • Thou shall not buy puts on red days.
  • Avoid greed and do not buy consecutive options on 1 company.
  • Give thyself at least 3 weeks time to play the option.
  • End your suffering and sell if down 50% all time on an option play.
  • Avoid gluttony and do not day trade options. (Swing trades allowed)
  • Be fruitful, multiply earnings and sell covered calls if holding any.
  • Celebrate and binge drink after big gains (or losses)
  • Off topic, but relevant – You absolutely need to be doing a 401k or IRA as well as investing in crypto: 401ks and IRAs offer fantastic tax advantages that straight investing does not. Also if you have an employer who matches you are leaving money on the table by not taking advantage of that. It’s foolish. Crypto is great and should definitely be in your portfolio but it should not be your whole portfolio.
    Sources:
    1- WallStreetBets
    2- Wikipedia

Options trading can be complex and risky business, but by following some simple rules traders can increase their chances of success while minimizing losses

Finance and Binance Breaking News – Top Stories

  • Am I a fool to consider retiring at 44-45 (with some concerns) instead of waiting till 50-52 (no more financial concerns)
    by /u/Exotic_Contract845 (Financial Independence / Retire Early) on March 27, 2024 at 5:46 pm

    I'm 39M, divorced, no kids. I live in a MCOL area. The question is whether it's prudent to retire at 44-45 instead of waiting till 50-52. Why 44-45? I have obligations that will keep me around till then, and I think I'll have enough money by then to pull the plug. I have longer-term travel goals/live abroad that I just can't meet with my 4-5 weeks of annual vacation. I get antsy because I realize more and more the finiteness of life and my current life doesn't bring me lots of pleasure as I feel I'm always working or too tired to enjoy my time off. If I work until 50-52 I will never have a financial worry ever again. If I quit working at 44-45, once I can draw my pensions and access retirement accounts in my late 50s, I don't think I'll have any financial concerns at all. It's really just bridging the gap AND the question of whether my impatience to wait the additional 8ish years is foolish. Current assets: ~ 730k in a taxable brokerage account invested in low cost index funds mostly. Contribute about $3.5k a month. ~ 700k in 401k and Roth IRA combined. Max both Income ~125k annually $1500 a month tax free VA pension Future income: Vested in an inflated-adjusted pension that I will receive at 58, ~$3k-4k a month for life in today's money. Vested in a $4k a month pension that will adjust for inflation and can draw age 50-52. However, if I retire early I can't draw until age 60 and it won't adjust for inflation until that time. The amount would be significantly reduced to around $1-1.5k a month in today's dollars. Living costs- ~$4k a month. Currently renting. Other considerations: I will have access to cheap healthcare. I don't plan to have kids I don't plan to travel/ live abroad forever I would potentially work while abroad, either way expenses would be about half of what they are for me now Men in my family have lived into their 80s with healthspans into their mid-70s. I live far more healthily than any of them ever did. submitted by /u/Exotic_Contract845 [link] [comments]

  • Financially can quit, but how to know if FI would suit me?
    by /u/ProjectWallet (Financial Independence / Retire Early) on March 27, 2024 at 3:26 pm

    For 2.5-3 years now, I’ve been financially able to quit my 9-5 indefinitely, and I’d like to take a 2-3 year hiatus (i’m mid 30s) for a breather and refocus on determining "rest of life" goals. that said, leaving a stable, reasonably well-paid job that took years to become qualified in is a logical hurdle I can't seem to clear. I've "tested" FI lifestyle by taking lower stress role and doing LT travel while working, but it's still working lifestyle....so, how can I test FI without tarnishing my career "standing" in corporate america? Is it just a matter of taking the leap and hoping you enjoy it? Thanks for your thoughts from those on the other side of the decision (or others). (for # reference: my projected withdrawal rate w/0 any income would be ~3.0% in high travel years and 1.8% in low personal travel years) submitted by /u/ProjectWallet [link] [comments]

  • Buying a small business for FI: anyone consider or done it?
    by /u/zacdw22 (Financial Independence / Retire Early) on March 27, 2024 at 1:53 pm

    Hi all, Small businesses typical sell for 3-5x their yearly profits, which certainly trumps a 4% SWR. Of course, in the majority of situations you will be investing time too, but in the right setup that may not be too burdensome. Has anyone looked at doing this or done it themselves? I read and recommend Harvard Business Review's Guide to Buying a Smalll Business for anyone considering this. It has some really useful metrics by which you can evaluate any possible deals. A key takeaway is to look at the Seller's motivations. There are many small business owners at retirement age looking to do just that, so there are opportunities there. I often browse the bizbuysell website looking to see what is for sale in my area. I'm still trawling to find the right opportunity. There are definitely some interesting prospects. Thanks for any comments. submitted by /u/zacdw22 [link] [comments]

  • Weekly Self-Promotion Thread - Wednesday, March 27, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 27, 2024 at 9:03 am

    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]

  • Daily FI discussion thread - Wednesday, March 27, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 27, 2024 at 9:02 am

    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]

  • Wellness and maximizing life
    by /u/jayybonelie (Financial Independence / Retire Early) on March 27, 2024 at 4:49 am

    Hi All, As a newly FIRE'd enthusiast, I have been thinking about the topic of living your best life once you FIRE. Your greatest wealth is your good health and without it not much else matters. So with that perspective, focusing on mental and physical health including keeping the mind healthy and energized is key. Here are a few things I have built into my regular routine post FIRE: Practicing mindfulness and gratitude daily; taking the time to appreciate the small and big things. Continuing to put work into the marriage, keeping aligned and not taking partner for granted. Intentionally eating a healthier diet and reducing junk food Spending more time with friends & loved ones in engaging conversations, even if its over the phone. Daily moderate and light exercises, walking, biking, hiking, etc. Studying different topics of interest and learning about new and interesting places Lots of sleep, 6 - 8 hours per night including an afternoon nap if I've had less than 6 hours sleep overnight. Annual and periodic health checks, including important pre-screenings like colonoscopy, etc. Mentoring and teaching others about FI and topics of interest, helping them through their own journey. That's my non-exhaustive list... There are many more things I do but I think the list above captures my approach well. Do you guys have other things you do in order to maximize your mental and physical wellness? Do any of you think it is worth while, for example, hiring a physical trainer to help you hone in your fitness or even a dietician to help you figure out the best foods for your vitality? How have you changed your diet, daily routines to maximize life and enjoyment? What has been the best thing you've started doing that has been the most effective in helping you with your wellness? Thanks in advance for your insights. submitted by /u/jayybonelie [link] [comments]

  • How do we know stock index average growth rate will be 7-8% far into the future?
    by /u/WorldyBridges33 (Financial Independence / Retire Early) on March 26, 2024 at 8:51 pm

    Advice that is commonly given to young people is to put their savings into an S&P 500, DJIA, etc. index fund because it will grow an average of 7-8% per year in the long run, and the compounding effect will result in a much larger net worth 30-40 years later. Most people cite historical performance over the last 100+ years as evidence for this. However, out of genuine curiosity, how do we know that this will continue for decades into the future? Past performance doesn't necessarily equate to future performance, especially when the past 150 years were extremely abnormal for human civilization. The reason being is that within the last 150 years, humans were able to discover a 1-time massive supply of cheap energy in the form of oil, coal, and natural gas. As a result of this massive windfall, we were able to develop a myriad of inventions to harness this energy and radically expand wealth and productivity. However, these energy sources are finite, and there is no viable alternative for them currently in a time where we are already beginning to run into the limits of cheap energy (see here: https://newsroom.co.nz/2023/04/05/jack-santa-barbara-energy-cannibalism-will-suck-us-dry/) In addition to the energy concerns that I mentioned above, the next 100 years may deteriorate economic growth due to: 1) changing demographics in which a much larger percentage of people are elderly, and 2) increased effects of Global Warming, causing increasingly destructive (and expensive) natural disasters. For point 1, the birthrate has been falling precipitously in advanced economies for the last several decades. Low birthrates result in an increasingly larger percentage of a nation's population falling within an elderly age range. Senior citizens tend to consume less than other citizens because they earn less money (due to being on Social Security, pension, or some other fixed income plan), and they don't have kids so their need for housing/food/other items is less. This decreased consumption would impact corporate revenues and perhaps stock prices. Furthermore, senior citizens place downward pressure on stock prices since they are often selling stocks to finance their retirements. For point 2, due to the effects of climate change, the number of $1 billion plus natural disasters are increasing in frequency (see here: https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters#:\~:text=The%20number%20and%20cost%20of,and%20the%20fact%20that%20climate ). This will get worse as the pace of greenhouse gas emissions have only increased in the last 30 years and show no signs of slowing. As natural disasters increase in frequency and severity, more resources will have to be devoted to rebuilding existing infrastructure, which will take money and resources away from creating new infrastructure for growth. I view this as a major headwind to future economic growth. So with all of this in mind, will growth-oriented stocks really outperform all investments? Or looking ahead into a more turbulent future, are there other investments that may perform better? submitted by /u/WorldyBridges33 [link] [comments]

  • Coming up on FI number and looking for advice getting organized
    by /u/smurfyslaw78 (Financial Independence / Retire Early) on March 26, 2024 at 8:20 pm

    Long time lurker, first time poster. I read Simple Path to Wealth about 8 years ago and did a nice job of living below my means and investing the rest, and now I am looking to stop working but would like to be a little more organized and secure first. With the recent market gains, we sort of reached our FIRE number unexpectedly, and we haven’t been checking in on our accounts much in the past few years. I would love to leave my job in June, and my wife enjoys her job and would like to continue working for a while. No kids. My question is what I should be focused on improving this year before I leave employment (likely permanently) and while we still have some income. I’m also open to overall feedback and reading suggestions as I am generally a little uneducated in this type of personal finance. Current income is $115k with $17k bonus in June, and my wife is about $110k with random bonuses, usually a few thousand each time. We plan to spend around $60-75k per year in retirement. Current balances: $80k cash HYSA $398k my 401k (65% stock in FXAIX, 35% bond in FXNAX) $424k my wife’s 401k (80% misc index stock, 20% bond in FXNAX) $225k in ESOP value (ESOP would be rolled to trad IRA at Vanguard if she leaves) $36k total both Roth IRAs (100% stock in VTSAX) $46k total both trad IRAs (50% stock in VTSAX, 50% bond in VBTLX) $59k HSA invested (80% misc index stock, 20% bond in VBMPX) $728k taxable brokerage (45% VTSAX, 28% VFIAX, 24% misc index stock, 3% bond in BND) Total: $2m Upcoming income will go toward cash and bonds to help rebalance the portfolio without incurring taxable events, with a final goal of 75% stock, 20% bond, and 5% cash. My understanding is that asset allocation can be spread across all accounts, but I would feel more secure with each of my buckets (retirement/non-retirement) having their own allocation because I’m not confident in my skills to navigate between the two. Any advice here is also appreciated. submitted by /u/smurfyslaw78 [link] [comments]

  • For all those who have reached FIRE, are you happier now?
    by /u/ZoomingtoFIRE (Financial Independence / Retire Early) on March 26, 2024 at 6:32 pm

    I’m curious for those whom have reached FIRE, are you happier? If so, how do you spend your time now? submitted by /u/ZoomingtoFIRE [link] [comments]

  • Daily FI discussion thread - Tuesday, March 26, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 26, 2024 at 9:02 am

    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]

  • How to feel like you have “enough”?
    by /u/Weary-Map9384 (Financial Independence / Retire Early) on March 26, 2024 at 8:27 am

    Hey folks! Not sure if this is the right sub but I’m just feeling a bit down and want to get advice from folks who might be in a similar situation. A few years ago, I set a goal for myself and my family. I felt that if we could get to $5m net worth we would be comfortable and could enjoy our lives knowing that our retirement would be assured. My wife and I are both 33, we are currently at $3.6m net worth, and we own a home that fits all our needs. By all measures, we have everything we could ever want, and more. However, getting to this position means that we have made friends who are doing “better” than we are. Folks who have 2-5x more than we do, are further along in their careers than we are, or have just generally made smarter moves than we have. Our original goal is within reach, but I find myself wanting to adjust that goal in order to keep up with our friends - obsessing over how to optimize my career, perhaps at the expense of personal happiness. I’m familiar with the concept of “lifestyle creep”, but is this the same thing? I myself wanting to adjust our goal to $10m, but I know that if I were somehow able to hit that number, I would feel as unfulfilled as I do now and just end up adjusting it even higher. How do yall know when you have “enough”? Is there anything that has helped you get perspective and do you have advice for others who might be in a similar situation? submitted by /u/Weary-Map9384 [link] [comments]

  • Mortgage vs. Investments – need help with allocation
    by /u/baristaFIRE69 (Financial Independence / Retire Early) on March 25, 2024 at 8:23 pm

    Hey everyone, I'm trying to decide where to put extra cash after maxing out my 401k and HSA. Should I focus on hammering down my mortgage or invest more? FIRE goal: FIRE by age 40-45 (currently 29) with ~$1.7M and fully paid off house Quick background: Bought first house last year – $490k mortgage remaining at 7.9% (ugh). Planning to refinance in early 2025 when rates improve I have about $70k extra per year to direct at something Currently splitting roughly 50/50 between extra mortgage principal payments and taxable investments Is this the right balance? Would love your thoughts! submitted by /u/baristaFIRE69 [link] [comments]

  • Annual Post #7, Middle Class Path to FI
    by /u/PackDaddyFI (Financial Independence / Retire Early) on March 25, 2024 at 7:41 pm

    Links to my previous updates one, two, three, four, five, and six. ​ Brief Summary Dual income (combined gross $155,007) couple with two kids living in the midwest. Teacher/non-profit workers work overseas experience. ​ Income/W2 Employment Summary -Me (32 y/o) - Senior Program Officer - $95,844 (includes 10% match & 5% bonus of former year’s salary) Last year’s post was before my review process, where I received a 5% increase and 5% bonus, making 2023 a gross income year of $84,350. I mention that because, without that context, this year’s increase would look quite large, as I received a 14% promotion, as well as a 5% bonus, bringing my gross comp to nearly $100k. To be honest, I’m still a bit shocked looking at this number because I genuinely never expected to touch 100k in non-profit. In many ways I’m thankful to my previous manager roles where I was punching above my weight in terms of responsibility, as they gave me the ability to easily take on my current role and be assigned to higher profile projects where, due to their high profile, I feel I’m on a fast track. This promotion shouldn’t affect my work life balance too much, but the next tier seems to experience a fair bit of burnout, which has me thinking I need to figure out what I want next. If I could give some unsolicited advice to someone in a non-profit looking to make more, it would be to take on the big scary projects, push hard while cutting your teeth, learn the boring stuff no one likes to do, and don’t be afraid to shift fields. There are many ways to non-profit, and non-profit doesn’t necessarily mean low pay. Also, learn a language! Every role I’ve ever had (apart from being an ESOL teacher) is because I speak French and/or Chinese. This country (US) doesn’t seem to value it, so set yourself apart and learn it. ​ -Spouse (31 y/o) - French Teacher - $59,163 Not much of an update here. SO still loves their work despite the long commute (30 minutes each way). She had an opportunity to move to a closer district last year that fell through, but ultimately helped her realize how much she values the culture of her building. Though it’s a longer commute, the salary schedule actually is quite rewarding after you have some time in district and she’ll be close to 100k within 10 years assuming no changes (positive or negative) to her education and/or salary schedule. That said, this Spring Break she powered through a course that will move her over on the schedule. So we may just hit that number a year or so sooner. ​ -Family Reading last year’s post and seeing how fast we’ve come… just wow. I’m very happy to report that our oldest son is fully conversant and on par with his classmates now. SO had a scary doctor’s visit late last year that basically told us we needed to make some lifestyle changes, cutting carbs, sugars, upping protein, and exercising. The annual follow up is coming soon, but I’m proud to say the household has lost at least 75 lbs in fat to date and we’re both feeling better. SO loves working with a trainer and we have an at home gym that I use between meetings. Everyone is happy and seemingly healthy. Financially though,I will say that daycare costs began for us in August and it is incredible how much it costs for two kids in an average daycare center in the midwest. Costs increase later this week, bringing us to just shy of $28,500 annualized daycare costs. And let me just say, this has been an adjustment. Our cash reserves have taken a beating as we stubbornly struggle(d?) to adjust our spending to accommodate for the high costs. I just learned of my promotion a few weeks ago, so we’re hopeful the increased income helps us right the ship. We haven’t begun taking advantage of Dependent Care FSAs yet but will likely begin to do so in the upcoming enrollment cycle. Needless to say, it’s going to feel like a huge payraise when our daycare costs suddenly end in a few years. ​ Numbers Net Worth - $283,574 Investments - $167,286.58 This number is inclusive of SO’s pension balance. As mentioned last year, we’re planning to use her retirement accounts to fund purchasing years. I’ve got the paperwork on my desk and the plan is to purchase our first in the coming months.Aiming for a full pension in 16-18 years. Home Equity - $108,082.19 Cash - $12,395.49 “Debt” - ($4,189.87) (In quotations, as this is a snapshot of balances on the day I record. In this particular instance I was just returning from a business trip where I’m waiting for a ~$2,700 reimbursement to be approved) ​ Final Thoughts/Reflections This year wasn’t as big of a Net Worth bump as I’d hoped, and most of that can be blamed on lifestyle inflation and childcare costs. As well as perhaps a bit of actual inflation. The reduction in cash was stopped within a few months of daycare starting and we have plans to build that back up, but it’s going to take some time. Daycare is just shy of my SO’s actual takehome pay after required pension contributions. Other than that… Honestly, I’m just starting to feel…old? 2023 through early 2024 wasn’t easy with SO’s health news, but I also lost a grandparent, had two parents go through a rough divorce (one losing their mom, my grandma, and the other being laid off shortly after). I also had to watch my dad go through six weeks of radiation for cancer. We’re waiting to see what the long-term prognosis of that is. I’m just starting to notice the cracks in my parents. They’re getting old, not as sharp as they used to be, not as strong, and they’re self sabotaging (we all are). Having all this happen, while my kids grow up and become more independent… I’m just starting to see how ephemeral life really is. We’re just another chapter before the next, living the same struggles personified in our unique voices. I’ve said it for years about my fields of work, but if society says we have to work, then we may as well do something that helps humanity along the way. This has been ringing a lot more true over the last year. submitted by /u/PackDaddyFI [link] [comments]

  • After making 7 figures on the side I still have a day job
    by /u/babbleway (Financial Independence / Retire Early) on March 25, 2024 at 7:17 pm

    Exactly 5 years ago I posted this asking for advice on whether I should quit my day job or not so I wanted to share an update. I ended up going against the advice of many people and kept my day job while still working on my side hustle in my spare time. Since then: My net worth has nearly quadrupled from $500K to $1.8M My total side hustle profits increased by 7 figures I've maxed both retirement accounts (SEP & 401k) every year My wife was able to quit her job We had a kid and upgraded our house while remaining 100% debt-free I negotiated part-time WFH at my day job My goal is to have $2M total invested by age 40 while staying debt-free. Planning to retire from day job at age 44. Sometimes I wonder if I had quit my day job would my progress be even further, but I'm glad I kept the security of a stable income and benefits. Golden handcuffs are real, but they also help me sleep at night! My advice for people in a similar situation of having a day job and a side hustle: Instead of quitting your day job, use your extra side income as a motivator to negotiate better conditions at your day job. You'd be surprised at how much some employers don't want to go through the process of replacing an employee. submitted by /u/babbleway [link] [comments]

  • Daily FI discussion thread - Monday, March 25, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 25, 2024 at 9:02 am

    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]

  • Moronic Monday - March 25, 2024 - Your Weekly Questions Thread
    by /u/AutoModerator (Financial news and views) on March 25, 2024 at 6:01 am

    This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

  • Early retirement account withdrawal strategy - guidance requested
    by /u/Masterpnutz (Financial Independence / Retire Early) on March 25, 2024 at 1:38 am

    As I am approaching my early retirement goal at 50 years old, I am starting to think about the best way to withdraw from my retirement accounts for tax efficiency and to take advantage of as much capital appreciation during the draw down phase. I am fortunate enough to be entitled to receive a COLA-adjusted pension upon retirement but will still need to withdraw from our retirement accounts to meet our expected expenses. . I plan to get an ACA plan so keeping income down would be helpful. Here is my plan at retirement and where I need scrutiny: Rollover my wife's 403b to her traditional rollover IRA Start Roth conversion ladder by converting traditional IRA to wife's Roth IRA Withdraw from taxable account (will cover 5 years of withdrawal need) Start withdrawing from my governmental 457 (at age 55, this is penaty-free). In order to keep the account invested in equities, I plan to withdraw from the stable value fund first, which will cover 2 years of withdrawal need) Continue to convert traditional rollover IRA to wife's Roth IRA every year At age 57, start to withdraw from Roth IRA from conversion ladder (income will be tax and penalty free) Every year, withdraw from conversion ladder In the meantime, the leftover 457 and my untouched Roth IRA continue to appreciate as they stay invested in the market. Questions: 1. Is it better to start the Roth conversion ladder upon retirement (can I even do this at age 50), or should I just withdraw from my 457 because it is penalty free (although I have to pay taxes)? 2. Should I withdraw from the taxable account first to meet withdrawal needs or just tap into the 457 and let the taxable account grow? 3. After step 4, since my plan is to withdraw from my wife's Roth IRA, should I also start doing a Roth conversion ladder from my 457, or leave that alone? This is all so complicated to me so I would greatly appreciate any insight and guidance from this community. Changing from an accumulation mindset to one of spending and reaping the rewards will definitely be a challenge, but my wife and I have plans on how to enjoy the rest of our lives. submitted by /u/Masterpnutz [link] [comments]

  • Rising Glidepath in practice
    by /u/running_rino (Financial Independence / Retire Early) on March 24, 2024 at 6:19 pm

    I am currently researching glidepaths, both pre and post retirement. I have been carefully dissecting ERN part 19 and interested to here if others are planning to implement this. To summarise. ERN's data shows that SWR rates are better in worst case scenarios when using a 60%-100% equity balance spread out over 11 yrs. 100% fixed allocation has significantly worse outcomes in worst case scenarios. Realistically though if we look at 5% worse outcomes the protection of the bond tend lessens to 0.2%... So is it worth the bother of a bond tent of stick with a 70/30 and be done...? It is certainly an interesting article. If you are implementing a glidepath pre or post retirement care sharing your plan and rational? ​ submitted by /u/running_rino [link] [comments]

  • Guiding parents to be more liberal with their spend and Die With Nothing principles
    by /u/guyferrarihair (Financial Independence / Retire Early) on March 24, 2024 at 1:47 pm

    My parents (mid 70’s) have ~2million, 1/2 in stocks and 1/2 in CDs earning about 5% and own their home outright. They both grew up very poor so continue to live like they are poor. They probably spend ~40k/yr between the two of them. My dad still consults earning ~$150k/yr but will retire at the end of this year. They are being forced to withdraw from IRA accounts, earning 2 pension, and earning SS that more than covers their living expenses. They keep having to buy more CDs each time their checking account exceeds the insured limit. It’s a good problem to have and banks love them. My parents don’t know how to spend their money and are content with their lifestyle. I think they should treat themselves more but they complain about high prices any time we go out to eat or do almost anything since it’s ingrained in them. I’m personally in a very good spot so don’t need anything from my parents. No debts asides from home and rental properties and I make good money. My parents haven’t helped me or my siblings financially after high school so they may think it’d be unfair to help my brother. My brother is about to start his residency and has ~400k in student loan debt between under grad debt, grad debt, and med school debt. He isn’t bad with money, lives frugally, no cc debt, old car. It’s just school is very expensive. Especially when you go to it for as long as he has without big scholarships and compounded interest working against you. How would you approach this without sounding like you’re asking for money yourself? I don’t know what exactly I’d be asking them to do either. Like maybe help my brother buy a house or pay down some of his debts? I also don’t know how expensive is late life care? They are mid 70’s and definitely slowing down but no serious health issues. Are they in an appropriate spot? How much is enough to set aside for medical? I wish they’d spend more on themselves for their own enjoyment but they cringe at the cost of everything. They’ve done an incredible job teaching us to be frugal and financially responsible. submitted by /u/guyferrarihair [link] [comments]

  • Daily FI discussion thread - Sunday, March 24, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 24, 2024 at 9:02 am

    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]

  • Legacy minded or die with zero?
    by /u/Same_Cut1196 (Financial Independence / Retire Early) on March 24, 2024 at 9:01 am

    There is no right or wrong answer here. I’m curious about those, primarily with kids, if you are actively planning on leaving a legacy to them, or if it is your desire to consume it all. I happen to be legacy minded. When I was a kid I always thought how great it would be to be given a gift of wealth. That never happened. But, because both of my parents died young and I was concerned, genetically, that I might too, I saved and invested aggressively from a young age. We are now financially set and don’t spend enough to offset the growth of our investments. I have plans to fund a small college scholarship for graduating seniors where I can control where the money goes. I’m a bit frustrated with the high administrative costs with larger charities, so I like to give personally (generous tips and unexpected gifts), and provide for the benefit of my kids and grandkids. My father in law is on the other side of the fence and can be frequently heard telling his kids “don’t plan on any inheritance, because I’m spending my last dollar at the bar” or something to that effect. And, that’s ok with us. He earned it. He can spend it as he sees fit. What’s your story? submitted by /u/Same_Cut1196 [link] [comments]

  • Travel Now or Wait a few years but risk SO not being able to see the sights?
    by /u/roscoe-thedad (Financial Independence / Retire Early) on March 23, 2024 at 6:04 pm

    High level details. I am 51 and wife is 49 she has Macular degeneration diagnosed 3 years ago. We are already seeing loss of sight from it. Our youngest child is 17 and graduates in May. We own our house out right. Have a recreation property (only debt 90K) Net Value is $350 K. Have a net worth of 1.4 M 450 K (retirement type accounts) 100 k in liquid accounts rest tied in real estate (house and recreation property). ​ The main question with her losing her eyesight I want to travel with her, once our youngest leaves to serve a church mission. I would like to rent the home for income of 30 K a year. And sell fractional ownership into the recreational property so that we can afford to do that. The concern is then when I get back how to I restart my career? Is it worth taking time of work before retirement and missing out on potential investment long term growth? Is it worth Helping her her see some of the items on her bucket list in person, items like Big Ben, Eiffel Tower, Christ Statue in Brazil etc. Or do I keep focused on the long retirement plan and hopeful cash out at 60 under FIRE? I realize this is a personal decision but looking to like minded people to see what the opinions are. ​ submitted by /u/roscoe-thedad [link] [comments]

  • Daily FI discussion thread - Saturday, March 23, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on March 23, 2024 at 9:02 am

    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]

  • From Poverty to 1MM
    by /u/Ok-FIRE-Away (Financial Independence / Retire Early) on March 22, 2024 at 5:59 pm

    I've been working since I was about 11 years old, and as of this month I've officially hit 1 million dollars invested (retirement accounts + brokerage). I grew up poor to the point where I remember being around 6 years old and pretending not to be hungry so my parents would eat, so this all feels very surreal to me. I'm lucky enough to have a high paying tech job now, but it wasn't so long ago that I almost died multiple times while working manual labor for minimum wage. Having a roofing nail inches away from your skull or almost falling three stories onto concrete has a way of making you appreciate life. I feel really uneasy talking about this in real life, but wanted to tell someone since it's such a huge milestone for me and it's been a exhausting few decades. Hope you don't mind me sharing. I'm also happy to answer any questions you may have. Some of my journey won't be repeatable, but there are definitely some good lessons learned along the way. Financial history Year MAGI Spending Networth 2008 $11,954 ? - $45,000 2009 $19,139 ? ? 2010 $16,127 ? ? 2011 $1,655 ? ? 2012 $19,667 ? ? 2013 $30,566 ? ? 2014 $37,742 ? ? 2015 $60,712 ? ? 2016 $88,431 ? ? 2017 $52,751 ? -$25,000 2018 $63,841 $35,973 -$20,000 2019 $159,607 $64,624 $15,000 2020 $267,881 $83,140 $145,000 2021 $456,307 $141,948 $489,000 2022 $454,624 $165,065 $619,000 2023 $452,000 $118,090 $835,000 Timeline (more numbers below) 2003-2007: I worked full time through college but still graduated with ~$45,000 in debt. 2008-2010: After school I worked 60-70 hours a week in a manual labor job, while starting a small business in my field (which took another ~20 hours a week). The idea was to pay off my student loans as aggressively as possible. 2011: Moved to a vhcol city. Was living off $8 a day plus rent and utilities. 2012: Started my own software development business with 3 partners. 2013-2014: Agressively reinvested almost all profits into the business. 2015: Lost all our paying clients. Burned through hundreds of thousands of dollars in company savings since we refused to fire our employees. Injected personal capital. 2016-2017: Slowly got more work. 2018: Became the sole provider for a family of four in a vhcol area (4 people in 550sqft). Survived by transferring debt between 0% apr credit card offers. Financial stress kept me up most nights. 2019: Got married and had a baby. Realized my business income wasn't going to cut it. Quit my position at my business and got a job at a F100 company. Worked 60+ hr weeks but finally out of debt. 2020: Life is work, baby, housework. Bought a used car. Baby still wakes up multiple times a night so I get almost no sleep. 2021: Had another baby (sole provider for a family of 6 in vhcol). Jumped to FAANG. Spending got out of control but I didn't realize because I was working ~80 hour weeks and spending every available second with my kids. Sold my shares of my old business to my partners. Still no sleep. 2022: Moved 2hrs away from work and bought a house for 500k. Stock crashed hard so I got cheap RSUs. Kid is down to waking up once per night, I stop accidentally walking into walls. 2023: Still brutal work life balance but getting a bit better. Focused on cutting costs. Stock recovered. After four years my kid is FINALLY sleeping through the night. 2024: Still the sole provider. Established healthy boundaries at work, down to 40-50 hours a week and working on my stress levels. Got rediculously lucky with RSUs and stock growth. Realistically this year is probably the most I'll ever make in my lifetime unless I make principal and survive at FAANG for at least 4-5 more years. Realized I'm stressing out about money to a really unhealthy extent, and that I should actually spend and enjoy some of what I've made. Things are really looking up. Current Assets Type Value Comment Traditional 401ks $187,646 Roth $29,397 Didn't realize I could do MBD Roth until this year. Brokerage $780,786 Checking $16,483 I keep this small since I can cash in the money market accounts. Crypto $109,728 Yes I know I should liquidate all of this, but I probably won't. I already took some gains. The rest I consider this my fun money in my portfolio since everything else is index funds. I bought in early so my cost basis is super low and I won't stress if it drops. Probably not buying anymore though. 529s $43,224 Not counted as part of my holdings Allocations Type Percent Comment VTI 63.01% Will raise this to 70-75% VXUS 13.62% Will raise this to 15-20% Money Market 5.36% Will reduce this or put it into treasuries Vested RSUs 8.16% Will bring this down to 0-5% Crypto 9.85% Will bring this down to ~5% FIRE Target 3.5MM-4MM. Depending on how long I can survive in my current job I should hit that sometime between 45-55 years old. Conclusion This has been a wild journey. I never expected to make it this far, and likely wouldn't have without a combination of rediculous work, die hard tenacity, my wife and friends, and a whole LOT of luck. Happy to answer any questions you have. Wishing you all the best in your own journeys! submitted by /u/Ok-FIRE-Away [link] [comments]

  • Just reached $500k NW (28M)!
    by /u/Glum-Tomatillo8178 (Financial Independence / Retire Early) on March 22, 2024 at 5:12 pm

    Throwaway account as I am a pretty private person, but wanted to share this anonymously with a group of like minded people (it's also hard to keep to yourself and I am not telling anyone except my gf). Officially crossed the 500k mark last week and am now at 515k. It's been a wild ride and it still doesn't feel real. ​ First off - I have been very blessed. I grew up in a upper middle class house and my dad was always frugal which I picked up from an early age. My parents paid for my bachelors degree so I was able to graduate college with only a reasonable amount of debt from my one year masters. I've always loved money and have always wanted to build a sizeable nest, just didn't expect to make it here this early. I was always a huge saver since a very young age, starting with saving my $0.60 of snack money instead of buying a nutty cone everyday at school. ​ I still am a huge saver and a majority of my money goes into my brokerage. A majority of my investments are in single stocks for my brokerage and IRA / 401k are ETFs / mutual funds (100% equity). I have an enormous risk tolerance since I am at a young age, and have certainly had my fair share of losses from "gambles" in the market, but overall I think I have had solid returns in the last 5 years. I work in finance and really enjoy researching stocks, so even if I don't outperform the benchmarks, I still enjoy doing it. ​ Some of you might question how I got to 500k given I have only been working for less than 5 years with only a few years of high income earning, and the answer to that is that I have had an incredible run in sports betting, and have profited $205k since I began betting a couple of years ago, with most of this coming in the last 15 months. I spend an enormous amount of time on this during the September-March months, and it can be mentally draining. Sometimes it makes you numb to money when you can win or loss 5k on any given day. I want to spend less time on this since it can take a toll on your dopamine levels and make you enjoy the little things in life less, but it is also very difficult to get away from. Certainly something I need to work on going forward and I cannot wait for the end of March Madness since that will be the start of my betting break until college football. ​ As for what's next, I am looking for jobs that will give me a better work life balance, which will come with a pay cut. I need something more sustainable as I am not necessarily planning to retire anytime soon, but I want something where I can eventually work ~30 hours a week with a lot of flexibility to allow me to pursue some additional streams of income. I have been trying to begin investing in real estate for a couple of years but have not had the time or flexibility with my job, but hopefully that is something I get into after the career change. Breakdown of assets / (liabilities) Taxable Brokerage - 256k IRA / 401k - 138k Betting Bankroll - $97k Cash - $57k Debt - ($4k) Tax Liability - ($32k) ​ Timeline 2019 - graduated my masters with ~20k in debt and about $10k saved up (interested free loan from my parents). I started my career in a LCOL in my hometown making 50k a year. I was living at home so I was able to save basically my entire take home pay. I was not tracking my net worth at this time but I paid off as much debt as possible and probably finished the year with a 20k net worth. 2020 - Got a slight pay bump to 58k. Covid hit and began working from home full time. I was actively looking for new jobs at this point but covid made it difficult. I started looking to buy a house but was ultimately getting outbid on everything. Continued to live at home and was able to save and invest most of my money and pay off the rest of my debt. I had a good year in the market, like everybody, and probably finished the year with a net worth around ~70k (going off memory alone, I think I made ~30k realized gain in trading options this year) 2021 - A big year for me, as I got a new job in a VHCOL city. My new salary was ~140k and I was able to continue to live at home since the job was still remote for the time being. I was able to live in a LCOL at home for 6 months while making a VHCOL salary which was awesome. I made the move to the new city in the summer and got an even higher paying job towards the end of the year, with a salary of ~170k. Can't recall my ending net worth this year, but I lost a shit ton of money in the stock market in the second half of the year. I would guess my net worth was just over 100k. 2022 - Continued to work the same job and made ~185k in income. Began sports betting this year and made about 20k. Tough year in the stock market. Was saving a lot less of my paycheck since I was living in a VHCOL city but was still able to save up a decent amount. I started tracking my NW and finished the year close to 200k. 2023 - Continued at the same job but was promoted and making ~225k. Incredible year of sports betting and good year in the stock market. Started saving a lower % of my paycheck and started to enjoy life more and spending more money on things to make my life more convenient. Started to value my time more and more. Started tracking my NW on an almost daily basis and finished the year with a NW of 433k 2024 - Still at same job and will have a similar salary to last year. Have been off to a very strong start in sports betting and the market has been solid. Currently at 515k NW ​ submitted by /u/Glum-Tomatillo8178 [link] [comments]

  • I don't understand my retirement number.
    by /u/theoriginalbae (Financial Independence / Retire Early) on March 22, 2024 at 5:08 pm

    Frankly, all the calculators seem to provide entirely different numbers, and too many of them don't have perfectly clear assumptions so it's even more difficult to tell why they differ. Based on the idea of 25x your retirement expenses will cover your retirement (right?), if I (30m) make 100k and want to be able to spend 80k in retirement, I will need $2m saved. Is that $2m in today's dollars or $2m adjusted up for inflation at age of retirement, so significantly more? Also, how does a retirement number differ based on a mix of Roth and Pre-tax dollars? I'm sure you can calculate if it's simple 50/50 numbers or something like that, but is that worth considering? Another thing -- with the 1x income saved by 30, 3x by 40, and so on, if those numbers are based on your salary at that time, how do you ever know if you'll be on track when salary increase (or god forbid decrease) isn't linear and really forecastable? submitted by /u/theoriginalbae [link] [comments]

  • Mutual Funds vs ETF's - ELI5
    by /u/chubba4vt (Financial Independence / Retire Early) on March 22, 2024 at 3:15 pm

    Can someone please give me a valid argument on Mutual Funds vs ETF's when investing in a taxable brokerage. I've read a few articles on the differences and on the surface it seems that they're very similar (especially if investing in a low cost index fund), except for things like when they're able to be bought and sold, being able to purchase fractional shares, and some tax implications are all I've really seen. Anyone have VFIAX or VOO or something similar they're willing to go to bat for? Extra points for being able to explain the tax implications for me. I've seen articles reference "tax differences" but haven't seen any meaningful detail on what that means. I'm about to have more income at the end of my month so am going to be putting more towards a taxable brokerage starting EOMarch. Not sure which way to go. submitted by /u/chubba4vt [link] [comments]

  • Switzerland Surprises With Rate Cut, Moving Ahead of ECB and Fed
    by /u/wreckingcru (Financial news and views) on March 21, 2024 at 4:41 pm

    submitted by /u/wreckingcru [link] [comments]

  • Feds Uncover Alleged $350 Million Argentinian Money Laundering Scheme in Miami
    by /u/SFT3076 (Financial news and views) on March 20, 2024 at 6:53 pm

    submitted by /u/SFT3076 [link] [comments]

  • Office loans ‘living on borrowed time’
    by /u/wreckingcru (Financial news and views) on March 20, 2024 at 10:51 am

    submitted by /u/wreckingcru [link] [comments]

  • Moronic Monday - March 18, 2024 - Your Weekly Questions Thread
    by /u/AutoModerator (Financial news and views) on March 18, 2024 at 6:01 am

    This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

  • The Deposit Myth: How a linguistic glitch confuses the hell out of economists and the public alike
    by /u/EconHacker (Financial news and views) on March 17, 2024 at 1:18 pm

    submitted by /u/EconHacker [link] [comments]

  • Forint in 'perfect storm' as Hungary's central bank rebuffs law change
    by /u/BostonSubwaySlut (Financial news and views) on March 14, 2024 at 12:36 pm

    submitted by /u/BostonSubwaySlut [link] [comments]

  • Dealmaking slowdown leaves private equity with record unsold assets
    by /u/Alexkono (Financial news and views) on March 12, 2024 at 4:32 pm

    submitted by /u/Alexkono [link] [comments]

  • Moronic Monday - March 11, 2024 - Your Weekly Questions Thread
    by /u/AutoModerator (Financial news and views) on March 11, 2024 at 6:01 am

    This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

  • Saudi Arabia doubles sovereign fund's stake in Aramco
    by /u/Alexkono (Financial news and views) on March 8, 2024 at 6:02 pm

    submitted by /u/Alexkono [link] [comments]

  • Capital One and Discover merger ‘dangerous’, consumer groups tell Fed
    by /u/BostonSubwaySlut (Financial news and views) on March 7, 2024 at 7:26 am

    submitted by /u/BostonSubwaySlut [link] [comments]

  • Inside European finance’s most secretive society -- "The Institut International d’Etudes Bancaires is the most exclusive and secretive networking club in European finance, where bank bosses rub shoulders with guests from presidents and prime ministers to royalty and central bankers."
    by /u/throwaway16830261 (Financial news and views) on March 4, 2024 at 11:55 am

    submitted by /u/throwaway16830261 [link] [comments]

  • Moronic Monday - March 04, 2024 - Your Weekly Questions Thread
    by /u/AutoModerator (Financial news and views) on March 4, 2024 at 6:02 am

    This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

  • Will We Ever See Zero Interest Rates Again?
    by /u/wreckingcru (Financial news and views) on February 28, 2024 at 10:55 am

    submitted by /u/wreckingcru [link] [comments]

  • Could the Indian Rupee be accepted as a reserve currency?
    by /u/wreckingcru (Financial news and views) on February 28, 2024 at 10:55 am

    submitted by /u/wreckingcru [link] [comments]

  • Moronic Monday - February 26, 2024 - Your Weekly Questions Thread
    by /u/AutoModerator (Financial news and views) on February 26, 2024 at 6:02 am

    This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

  • Private Market Funds for HNW individuals could crowd out Co-Investment Opportunities
    by /u/Alexkono (Financial news and views) on February 23, 2024 at 7:05 pm

    submitted by /u/Alexkono [link] [comments]

  • FT Alphaville: Giant shorts around the globe
    by /u/wreckingcru (Financial news and views) on February 23, 2024 at 7:05 pm

    submitted by /u/wreckingcru [link] [comments]

  • Husband Who Eavesdropped on Wife’s Work Calls Pleads Guilty to Insider Trading
    by /u/Majano57 (Financial news and views) on February 23, 2024 at 6:08 pm

    submitted by /u/Majano57 [link] [comments]

  • Elizabeth Warren urges regulators to block Capital One’s takeover of Discover
    by /u/BostonSubwaySlut (Financial news and views) on February 21, 2024 at 11:17 am

    submitted by /u/BostonSubwaySlut [link] [comments]

  • Morgan Stanley Accused of Duping ECB With Token Job Title, FT Says
    by /u/GammSunBurst (Financial news and views) on February 18, 2024 at 8:18 pm

    Can I be the head of loan trading? submitted by /u/GammSunBurst [link] [comments]

  • We are Wall Street Journal reporters covering the collapse of SVB. Ask us anything.
    by /u/wsj (Financial news and views) on March 14, 2023 at 5:13 pm

    Update: We have to get back to reporting now. Thanks so much for your thoughtful questions. Silicon Valley Bank collapsed on Friday, becoming the second-biggest bank failure in U.S. history in terms of assets. On Sunday, regulators also took control of Signature Bank and rolled out emergency measures to prevent a banking crisis and guarantee depositors access to their money. This means businesses with big deposits stuck at the banks will get their money out, though likely not soon. This meltdown has exposed a new set of vulnerabilities for the financial system — and the rest of the banking system is on edge. We are Rachel Louise Ensign and Ben Eisen, banking and finance reporters for the WSJ covering the collapse of Silicon Valley Bank. Ask us anything. Proof: https://twitter.com/BenEisen/status/1635604680020570115?s=20 https://twitter.com/RachelEnsignWSJ/status/1635606733295894528?s=20 submitted by /u/wsj [link] [comments]

Pass the 2023 AWS Cloud Practitioner CCP CLF-C02 Certification with flying colors Ace the 2023 AWS Solutions Architect Associate SAA-C03 Exam with Confidence Pass the 2023 AWS Certified Machine Learning Specialty MLS-C01 Exam with Flying Colors

List of Freely available programming books - What is the single most influential book every Programmers should read



#BlackOwned #BlackEntrepreneurs #BlackBuniness #AWSCertified #AWSCloudPractitioner #AWSCertification #AWSCLFC02 #CloudComputing #AWSStudyGuide #AWSTraining #AWSCareer #AWSExamPrep #AWSCommunity #AWSEducation #AWSBasics #AWSCertified #AWSMachineLearning #AWSCertification #AWSSpecialty #MachineLearning #AWSStudyGuide #CloudComputing #DataScience #AWSCertified #AWSSolutionsArchitect #AWSArchitectAssociate #AWSCertification #AWSStudyGuide #CloudComputing #AWSArchitecture #AWSTraining #AWSCareer #AWSExamPrep #AWSCommunity #AWSEducation #AzureFundamentals #AZ900 #MicrosoftAzure #ITCertification #CertificationPrep #StudyMaterials #TechLearning #MicrosoftCertified #AzureCertification #TechBooks

Top 1000 Canada Quiz and trivia: CANADA CITIZENSHIP TEST- HISTORY - GEOGRAPHY - GOVERNMENT- CULTURE - PEOPLE - LANGUAGES - TRAVEL - WILDLIFE - HOCKEY - TOURISM - SCENERIES - ARTS - DATA VISUALIZATION
zCanadian Quiz and Trivia, Canadian History, Citizenship Test, Geography, Wildlife, Secenries, Banff, Tourism

Top 1000 Africa Quiz and trivia: HISTORY - GEOGRAPHY - WILDLIFE - CULTURE - PEOPLE - LANGUAGES - TRAVEL - TOURISM - SCENERIES - ARTS - DATA VISUALIZATION
Africa Quiz, Africa Trivia, Quiz, African History, Geography, Wildlife, Culture

Exploring the Pros and Cons of Visiting All Provinces and Territories in Canada.
Exploring the Pros and Cons of Visiting All Provinces and Territories in Canada

Exploring the Advantages and Disadvantages of Visiting All 50 States in the USA
Exploring the Advantages and Disadvantages of Visiting All 50 States in the USA


Health Health, a science-based community to discuss health news and the coronavirus (COVID-19) pandemic

Today I Learned (TIL) You learn something new every day; what did you learn today? Submit interesting and specific facts about something that you just found out here.

Reddit Science This community is a place to share and discuss new scientific research. Read about the latest advances in astronomy, biology, medicine, physics, social science, and more. Find and submit new publications and popular science coverage of current research.

Reddit Sports Sports News and Highlights from the NFL, NBA, NHL, MLB, MLS, and leagues around the world.

Turn your dream into reality with Google Workspace: It’s free for the first 14 days.
Get 20% off Google Google Workspace (Google Meet) Standard Plan with  the following codes:
Get 20% off Google Google Workspace (Google Meet) Standard Plan with  the following codes: 96DRHDRA9J7GTN6 96DRHDRA9J7GTN6
63F733CLLY7R7MM
63F7D7CPD9XXUVT
63FLKQHWV3AEEE6
63JGLWWK36CP7WM
63KKR9EULQRR7VE
63KNY4N7VHCUA9R
63LDXXFYU6VXDG9
63MGNRCKXURAYWC
63NGNDVVXJP4N99
63P4G3ELRPADKQU
With Google Workspace, Get custom email @yourcompany, Work from anywhere; Easily scale up or down
Google gives you the tools you need to run your business like a pro. Set up custom email, share files securely online, video chat from any device, and more.
Google Workspace provides a platform, a common ground, for all our internal teams and operations to collaboratively support our primary business goal, which is to deliver quality information to our readers quickly.
Get 20% off Google Workspace (Google Meet) Business Plan (AMERICAS): M9HNXHX3WC9H7YE
C37HCAQRVR7JTFK
C3AE76E7WATCTL9
C3C3RGUF9VW6LXE
C3D9LD4L736CALC
C3EQXV674DQ6PXP
C3G9M3JEHXM3XC7
C3GGR3H4TRHUD7L
C3LVUVC3LHKUEQK
C3PVGM4CHHPMWLE
C3QHQ763LWGTW4C
Even if you’re small, you want people to see you as a professional business. If you’re still growing, you need the building blocks to get you where you want to be. I’ve learned so much about business through Google Workspace—I can’t imagine working without it.
(Email us for more codes)

error: Content is protected !!