If you could go back 20 years what would you do differently?

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I was thinking about this and thought it might help some of the younger posters on the MTB. I’m 53. I’ve maxed my retirement all of this time but think ther are some other things I’d do differently. My goal was to always get out of debt by retirement age. In hindsight, I should have been leveraging up in houses and properties as asset inflation pays off big time. I’ve been swimming against the stream of what big money does…rather than borrow and acquire. Start a business when you’re young enough to take on the financial risk. When you’re older and the family depends on your income it’s a much tougher decision. When it seems like the world is ending (2008), double down. It’s hard and counterintuitive, but that’s where your money is made..and if shite goes to Mad Max then it doesn’t matter. Thoughts?

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Put in more than 3% into my companies 401k and not put it a fricking safe harbor account making basically zero for the first 12 years at the company. First 12 years at the company my balance was 25k 11 years later it’s 25x.

Not sell all my stock like it was free money. Cost me a couple million but you live and learn.

I invested what I sold for the most part but it didn’t out pace what I invested in.

I made a big mistake twice. I paid off almost half of the principal on my mortgage.

Your primary mortgage is a gift. Try getting a 30 year loan for 300k without Uncle Sam leaning on the scales in your favor.
Don’t hurry to pay off debt that no sane lender would give you in a truly free market.

On a similar note, hoard assets of value because inflation is a mf. Cash is good for investing, not saving.

Buy the $10-15k of bitcoin at around $5-7/coin after a few late night sessions with Wikitiger. I tried. Downloaded tor, went on the darkweb, and had him trying to walk me through it. Internet here was so shitty, I kept timing out of sessions and some other hurdles. After about a month, I said frick it and forgot about it. Maybe even two months.

I may be the only person on the site that didn't ridicule him. So if your still watching Wiki, I saw your vision! Mind throwing me a bit of your vast holdings?! Dude literally had several hundred thousand coins, if not more, and started buying them when it was like $.005 . Hell, he may be Satoshi. If he executed his plan the way he told me to, he could be one of the richest people on the planet unless he's dead from hookers and cocaine.

Told me to hold for ten years before selling unless it shot up, then only sell enough to pay off debt and minimum needed for financial security. Hold the rest. Predicted $100k/coin and higher as it's adoption grew. I legit tried. Ain't even mad, just was computer saavy enough to buy it back in the early day and figured if it was that hard to do...frick it. I meant to keep trying but he quit posting and I forgot about it.

I did a good job maxing out my 401k, but partied way too hard in my 20's and early 30's and should have stashed way more away in a brokerage. Could probably take the partying down 50%, still had a blast, and would be setup to retire at 50.

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Auto deposit $100 month into a HYSA

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LOL What a terrible idea.

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How is it possible nobody here knows him IRL? I would love to know what he is doing now.

He came back years ago and started deleting a lot of his old posts. I know he is still alive and is still reading these threads.

Wiki if you are reading this, at least start an alter.

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I think he's Satoshi. I shite you not, he sent me a screenshot of his bitcoin holdings at some point during the board's peak ridicule of him and unless the ambien I was taking back then totally fricked my memory, he had almost a million coins. The vast majority bought less than one cent. I hope he is still alive, remembers me for supporting his bitcoin thesis and supporting him online while trying to buy in. Just throw me about $10 million (after tax) to your biggest supporter Wiki. When did Satoshi go dark? When did Wiki quit posting?

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Buy the $10-15k of bitcoin at around $5-7/coin

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I started noticing it when it was around $700 on here. Didn't give it enough effort to try and figure out what it was or how to actually get some. Then had the same thoughts at 2k, 30k, 60, 100k

I keep telling myself there is no way it will go higher than that...

Buy a house when i was in high school

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If you could go back 20 years what would you do differently?

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2005? I'd have moved in July.

Probably honestly told myself not to worry, it'll turn out OK.

Obviously everyone wants to time the market but I'd already been with my investment group for ten years in 2005.

Trust smart and honest people and you'll be OK.