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Started By
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re: If you could go back 20 years what would you do differently?
Posted on 7/3/25 at 3:38 pm to SquatchDawg
Posted on 7/3/25 at 3:38 pm to SquatchDawg
I was still in college. I’d tell myself to try and enjoy it a little more.
1
Posted on 7/3/25 at 3:43 pm to HC87
if MSFT is a good buy in 1-24 months when it splits, then it's a good buy today....why wait (and especially for a split: give me your dime and here's 2 nickels)
Posted on 7/3/25 at 3:45 pm to SquatchDawg
I’d save less and spend more. Can’t physically do many things I thought I would “when I’ve got a better base of money”.
Posted on 7/3/25 at 4:12 pm to NOLAGT
quote:You will have the same thought at $5M. Not even a bit of hyperbole.
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
Posted on 7/3/25 at 6:44 pm to SquatchDawg
Save a little more, invest a higher % in equity vs bonds. Keep cars at least 10 years. Get out of corporate rat race earlier.
Posted on 7/3/25 at 9:43 pm to kaaj24
I was 20 in college. I wouldn’t change a thing. Starting 401k at 22 with my first job and I love my life now.
Posted on 7/3/25 at 10:08 pm to SquatchDawg
Buy a crap ton of bitcoin, I am not overthinking your ask here. The 5 or 6 years before bitcoin was started though. Buying NVDA, AAPL and NFLX.
With 20 years of knowledge, you could be a billionaire now.
With 20 years of knowledge, you could be a billionaire now.
Posted on 7/3/25 at 10:51 pm to SquatchDawg
I’d just go back to I got out of college in 2010. Start putting everything I save 100% in AAPL, then buy $10k BTC in 2016. Liquidate all my AAPL Feb 2020 and put it all in NVDA in April of 2020. About 2024 liquidate all the NVDA and put it all in PLTR.
Think I’d be OK?
Think I’d be OK?
Posted on 7/3/25 at 11:08 pm to SmackoverHawg
What if WikiTiger was one of those stories that lost his keyword or drive with coins on it? Back then, there was no coinbase. It was all done and saved on drives and had password keys. I think you have to have multiple passwords too. Lose or damage that drive or forget passwords? It's all gone, and you actually lose the money you paid for it with.
Posted on 7/3/25 at 11:10 pm to Saunson69
Losing all the shite is probably why I would have only bought $10k 
Posted on 7/3/25 at 11:12 pm to SmackoverHawg
quote:
he had almost a million coins
I don't think that's possible. BTC had 7 million circulating coins in 2011 and 10 million in 2012. He'd own over 10% of all circulating supply at the time. Even 2021 there are 18 million circulating. He'd own over 5% of total supply. That seems incredibly unlikely.
Posted on 7/3/25 at 11:14 pm to Saunson69
I was exaggerating. He had a lot and I'd been drinking and it was like 2 am.
Posted on 7/3/25 at 11:15 pm to NewIberiaHaircut
Money is great, but does it really seem to you that these ultra rich are that happy? Elon Musk takes Ketamine, sends tweets that show he has anger. Maybe it does make you happier. I don't know, but someone with $1 bil in assets vs $1 mil is not 1,000x, or 100,000% happier. I can guarantee that. Maybe like 25% happier. If that.
This post was edited on 7/3/25 at 11:16 pm
Posted on 7/3/25 at 11:17 pm to Saunson69
quote:
What if WikiTiger was one of those stories that lost his keyword or drive with coins on it? Back then, there was no coinbase. It was all done and saved on drives and had password keys. I think you have to have multiple passwords too. Lose or damage that drive or forget passwords? It's all gone, and you actually lose the money you paid for it with.
It wasn't easy. That's why I just said "frick it" and quit. Nothing good comes easy. I probably would've lost my passwords and/or drive and been suicidal. Instead, I just have a story of "what if,".
Posted on 7/3/25 at 11:18 pm to jlsufan
quote:
if MSFT is a good buy in 1-24 months when it splits, then it's a good buy today....why wait (and especially for a split: give me your dime and here's 2 nickels)
Stock splits are in theory no different, but people are incredibly emotional and dumb in investing. For example, the Nasdaq and SP tanked what? 15-20% when Trump was elected, then recovered now to above previous high. What is really different today than 4 months ago? Nothing.
Those Quantum stocks, some are up 2,000% in 12 months? Has their revenue changed? Not at all, it's still extremely low.
My theory is that in the short term, the market is highly inaccurate. In the long run, the market is very accurate. So you can capitalize on that stock split by day trading it in short term when people are like "Oh so cheap." My Dad does that. He doesn't understand difference between market cap and share price. It's simply division.
In theory, if I'm MSFT or Apple, I'd do a 1,000x to 1x split. You can be 20 to 30 cents a share, and people will go insane on that.
This post was edited on 7/3/25 at 11:24 pm
Posted on 7/3/25 at 11:46 pm to SmackoverHawg
quote:
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.
Somewhat different story with a different ending. I didn't see his posts when it was that low, but I did see the threads where some dumbasses were giving him shite and he was pointing to the increases it already went through. Their reply was "yeah but it dropped from $1k to $500" or whatever it was. My head space was "frick, it's still so high compared to where it started!" Anyway, I tried to buy coins in 2016 at $700 if I remember correctly, but like you was having trouble. Mostly it was because I'm in Hawaii and exchanges weren't easy to get money into. I left it alone for a while. Now it's at $3k in 2017 and I said frick this and tried again. Only Kraken would do it and it was beyond a PITA to get the money there. Taking a selfie with your license next to your face and all kinds of weird shite to me at the time, but I finally got an account set up. Went to my bank to do a wire to Kraken as that was the only way and even my banker asked if I was sure
Bought 3 BTC for about $10k. fricking Voyager's BK stole 2 from me, but I still have 1 left
Posted on 7/3/25 at 11:48 pm to Sho Nuff
quote:
Somewhat different story with a different ending. I didn't see his posts when it was that low, but I did see the threads where some dumbasses were giving him shite and he was pointing to the increases it already went through. Their reply was "yeah but it dropped from $1k to $500" or whatever it was. My head space was "frick, it's still so high compared to where it started!" Anyway, I tried to buy coins in 2016 at $700 if I remember correctly, but like you was having trouble. Mostly it was because I'm in Hawaii and exchanges weren't easy to get money into. I left it alone for a while. Now it's at $3k in 2017 and I said frick this and tried again. Only Kraken would do it and it was beyond a PITA to get the money there. Taking a selfie with your license next to your face and all kinds of weird shite to me at the time, but I finally got an account set up. Went to my bank to do a wire to Kraken as that was the only way and even my banker asked if I was sure
I'm glad I'm not the only one that had problems. Congrats on the 1 keeper!
Posted on 7/4/25 at 12:03 am to SmackoverHawg
I wish I would've seen his posts earlier and gotten Wikis help
To the OP, if we're not using hindsight, I'd simply open a Roth earlier. I did it in my late 30's like a dumbass, so 20 years would put me at 30. Of course, I'd tell all young folks to open a Roth as soon as possible.
To the OP, if we're not using hindsight, I'd simply open a Roth earlier. I did it in my late 30's like a dumbass, so 20 years would put me at 30. Of course, I'd tell all young folks to open a Roth as soon as possible.
This post was edited on 7/4/25 at 12:04 am
Posted on 7/4/25 at 4:59 am to Nonetheless
quote:
Buy a house when i was in high school
100% I would have bought a house and rented out the rooms if I had to do it over again.
Posted on 7/4/25 at 8:23 am to SmackoverHawg
I wonder what his initial investment costs were?
Hope he held onto a good bit.
Hope he held onto a good bit.
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