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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 02-19-2021, 09:44 PM   #7546
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Originally Posted by In58men View Post
Max that bitch out @ $6000 per year.
Oh I do and have been.

I just know that not everyone can afford that. There's nothing wrong with even a few hundred dollars per year, especially if you're young.

A ROTH IRA is probably the most valuable investment vehicle for middle class earners. You should, however, contribute first to your 401k to get your full employer match (free money). After that, people should look to fund a ROTH.
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Old 02-19-2021, 09:46 PM   #7547
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Originally Posted by Hammock Parties View Post
$6000, not $600.

But putting anything in is good.
Yeah that but I'm finally getting my tax return from last year and this years plus with the Biden bucks I would have about 6k I could throw in there
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Old 02-19-2021, 09:46 PM   #7548
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I was just looking at my ROTH and I have a mutual fund with T Rowe Price that made 50% in the past year. I thought that was ****ing awesome for passive investing.
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Old 02-19-2021, 09:47 PM   #7549
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Originally Posted by lewdog View Post
Oh I do and have been.

I just know that not everyone can afford that. There's nothing wrong with even a few hundred dollars per year, especially if you're young.

A ROTH IRA is probably the most valuable investment vehicle for middle class earners. You should, however, contribute first to your 401k to get your full employer match (free money). After that, people should look to fund a ROTH.
I'm pissed that this was never explained to me when I was in college.
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Old 02-19-2021, 09:49 PM   #7550
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I'm pissed that this was never explained to me when I was in college.
No one told me shit either.

Financial lifestyle should be a mandatory class in HIGH SCHOOL.

Our educational system is a failure.
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Old 02-19-2021, 09:50 PM   #7551
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I'm pissed that this was never explained to me when I was in college.
I went to college full-time for 7 years and never once took a business class for either of my degrees.

I find that sad. I've learned all on my own but it shouldn't be that way.

Does your employer offer a 401k? Many are also offering ROTH 401ks now. Or will you be looking to set this up yourself?
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Old 02-19-2021, 09:50 PM   #7552
neech neech is offline
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Personal finance and basically long term investment. Now it's basically a reddit thread for quick money and day trading.
I think this thread has all kinds of helpful advice and tips throughout it.

Day trading is part of investing as well, doesn't mean everyone on here does it, I'm just dabbling with my stimulus money from the Govt. with that. Play money i call it.
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Old 02-19-2021, 09:51 PM   #7553
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Originally Posted by Hammock Parties View Post
No one told me shit either.

Financial lifestyle should be a mandatory class in HIGH SCHOOL.

Our educational system is a failure.
Dude I said this EXACT same thing to my friend the other night. Hes got a pretty good job and is really good at saving money I was like maybe you need to look into this.
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Old 02-19-2021, 09:53 PM   #7554
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I'm pissed that this was never explained to me when I was in college.
Same here. Well maybe not pissed, but disappointed that I wasn't wise to it.

I've gotten a late start on supplemental retirement savings and have already banked a lot. I shudder to think how much I would have if I had started saving at 22 rather than in my 30s.
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Old 02-19-2021, 09:53 PM   #7555
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Originally Posted by lewdog View Post
I went to college full-time for 7 years and never once took a business class for either of my degrees.

I find that sad. I've learned all on my own but it shouldn't be that way.

Does your employer offer a 401k? Many are also offering ROTH 401ks now. Or will you be looking to set this up yourself?
I'm starting a new job here shortly and yes they do.
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Old 02-19-2021, 09:56 PM   #7556
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I'm starting a new job here shortly and yes they do.
Awesome.

Once you get a list of fund choices we can help you choose some things if you have questions.
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Old 02-19-2021, 09:56 PM   #7557
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my dad wants me to lowball the seller on this house i looked at today

i'm thinking there's no ****ing way i have a shot if i do that - everything in the house is practically brand new, they rehabbed the shit out of it - there's at least five or six offers coming in this weekend

i'd be stupid to lowball...right?
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Old 02-19-2021, 09:58 PM   #7558
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Quote:
Originally Posted by neech View Post
I think this thread has all kinds of helpful advice and tips throughout it.

Day trading is part of investing as well, doesn't mean everyone on here does it, I'm just dabbling with my stimulus money from the Govt. with that. Play money i call it.
It's all golden.

I've been using the stock tips I'm seeing in here as I've just gotten in to day trading in the last week or so.

Thanks for CCIV Clay!
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Old 02-19-2021, 10:01 PM   #7559
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Thanks for CCIV Clay!
Really, lewdog mentioned it first. I just blew it out my ass.

I hope you got into FRX because I see good things coming in pairs. AH today was a very good sign.
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Old 02-19-2021, 10:06 PM   #7560
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No one told me shit either.

Financial lifestyle should be a mandatory class in HIGH SCHOOL.

Our educational system is a failure.
Roth IRA was one of the first things I learned in street class on top of how to balance a check book. Haven’t set one up but now in my mid 30s I sure as shit want to set up a few $5k accounts
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