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re: If you could go back 20 years what would you do differently?
Posted on 7/4/25 at 2:57 pm to SquatchDawg
Posted on 7/4/25 at 2:57 pm to SquatchDawg
Put more money in a Roth. 20+ years of no taxes on earnings is significant.
0
Posted on 7/5/25 at 12:26 pm to SquatchDawg
I wouldn't have waited 20 years to start contributing to my 401k, that's for sure.
Posted on 7/5/25 at 6:19 pm to SquatchDawg
AAPL traded between $.42and $.48. 
Posted on 7/5/25 at 6:37 pm to SquatchDawg
Wait till the crash of 2008 and load up.
Posted on 7/5/25 at 8:16 pm to DrrTiger
quote:
One thing I would not do is have any bond funds in my retirement portfolio in my 20s, 30s, and probably well into my 40s. I would be 100% equities during those primary accumulation years.
This.
Posted on 7/5/25 at 8:26 pm to beaverfever
quote:
Don’t hurry to pay off debt that no sane lender would give you in a truly free market.
exactly why i will never ever pay off my EIDL Loan from the SBA during covid. terms are just too damn good. 30 years @ 3.75%. All my other stuff including primary residence is paid off and most has been paid off since 2012(couple vehicles paid off after that) except some rental properties. sold a bunch as well.
quote:
I made a big mistake twice. I paid off almost half of the principal on my mortgage.
meh. my interest was too high and it did not pay to refi and i had the cash to payoff as it was not some astronomical amount. Also, i paid my house off after 18.5 years on a 30 year note. woulda been paid off on a 15 year mortgage anyway so it was not like i paid off a 400k house in 8 years with a 2.75% interest rate like a dumbass instead of investing.
I will say this getting stuff paid off has allowed me to invest over 50% of my income for a long time and helped me compound assets fast.
This post was edited on 7/5/25 at 8:28 pm
Posted on 7/5/25 at 9:18 pm to SquatchDawg
Two chicks at the same time.
Posted on 7/5/25 at 11:10 pm to NOLAGT
quote:
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
You likely wouldn’t have held. I tell myself that every time I remember seeing Wiki peddle it on here when I didn’t have two pennies to rub together so I didn’t go buy any
Posted on 7/5/25 at 11:13 pm to SquatchDawg
Buy calls in April 2020
Posted on 7/6/25 at 11:38 am to SquatchDawg
I sold some winners way to soon and bought some losers that I didn’t understand
I bought into the dot com craze and didn’t evaluate value which was a costly mistake.
I should have bought market ETF’s sooner
I bought into the dot com craze and didn’t evaluate value which was a costly mistake.
I should have bought market ETF’s sooner
Posted on 7/6/25 at 12:12 pm to SmackoverHawg
quote:
Wikitiger
Even though I was in college at the time, I did try as well. I only had $200 or so that I planned to buy with. A short while into it i said frick it, that dudes nuts, and bought beer or watermelon or something stupid with the money.
Posted on 7/10/25 at 1:15 pm to Saunson69
but the poster isn't playing an announced stock split....he's got money to invest in MSFT and is waiting (hoping) for a split to jump in...there's no split announced (or guaranteed, they last split in 2003)
meanwhile, he might lost 2 years of return in the meantime
meanwhile, he might lost 2 years of return in the meantime
Posted on 7/11/25 at 7:19 am to Sho Nuff
quote:
fricking Voyager's BK stole 2 from me, but I still have 1 left
$230000(and counting) lost in the Voyager BK? I’d be beyond pissed. Sorry for your loss.
I transferred $350 in gambling winnings to Bitcoin when it was around $4000/coin. One my $350 became $2400, I sold it thinking I was likely cashing out at the top. What a dumb move.
Posted on 7/11/25 at 7:39 am to leeman101
I believe Tyson got down to 8 or 9 bucks a share.
Pilgrims pride was pennies.
I know somee around here that made bank.
I did well, very well on Tyson and that led to a great Apple buy around 2015.
Pilgrims pride was pennies.
I know somee around here that made bank.
I did well, very well on Tyson and that led to a great Apple buy around 2015.
Posted on 7/11/25 at 8:10 am to supadave3
quote:
One my $350 became $2400, I sold it thinking I was likely cashing out at the top. What a dumb move.
Its fun to think about the what ifs for bitcoin but I know good and well id have sold it once I hit 100%+ profit. No point in day dreaming being a gazillionaire because even if I had bought as much as I wanted to when I first wanted to, id have never held it long enough.
Posted on 7/11/25 at 8:42 am to SquatchDawg
quote:
If you could go back 20 years what would you do differently?
Run for Congress. I'd be worth 60-70 mill by now.
Posted on 7/11/25 at 8:45 am to HC87
quote:
I'll go back 30 yrs in the mid 90's when my wife and I were considering buying AAPL.
This. AAPL didn't even sniff $1/share until the mid 2000's. I would have bought the crap out of it then retired once the divy's started back up in 2012.
Posted on 7/11/25 at 10:28 am to SquatchDawg
quote:
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.
Assets more broadly, and the “right” assets (ie, Real Estate, Stocks, etc) with right risk -return for you…100% agree! Richest Man in Babylon (book) stuff.
While I respect that some people have a ‘peace of mind’ mindset (no debt…salute, Dave Ramsey), the peace of mind (no debt) opportunity cost was just too big for me. Using other peoples’ money to make money (truly investing mindset and behavior, not culture of consumerism debt stuff)…with targeted and focused wealth creation…offers a peace of mind of never having to work again (control of my time/life). And to me this far outweighed having some (good) debt to get there.
Typing this now from the other side! Now have the wealth to never have to work again. And grateful to be here 7-10yrs earlier than avg.
To say, in spirit of OP, take advantage of time, invest early and often, and use good debt (right price for right assets) to your advantage but not beyond your capacity (mentally and financially). It pays off big time!
This post was edited on 7/11/25 at 10:30 am
Posted on 7/13/25 at 6:42 pm to SquatchDawg
I would have begun to buy real estate outside of my personal residence back then. The combination of rental income and asset appreciation over 20 years would have greatly increased my net worth.
I put every dime I could into state retirement and then a 403B and that has been fine, but putting small amounts toward real estate would have been a wiser path.
I put every dime I could into state retirement and then a 403B and that has been fine, but putting small amounts toward real estate would have been a wiser path.
Posted on 7/13/25 at 11:33 pm to kjacksonp
Everyone thinking they could buy bitcoin at pennies and hold it this long has no idea what it’s like to hold a volatile asset to millions. Most would sell after it pumped a few hundred bucks and take their profits.
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