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re: Is your total portfolio making more $ than you are?
Posted on 7/26/26 at 3:56 pm to UltimaParadox
Posted on 7/26/26 at 3:56 pm to UltimaParadox
It’s sheer insanity. SPAC Jesus was on CNBC last week pitching his new investment idea. Sorkin asked for a response about social media’s overwhelming sentiment that he’s effectively a scammer. His response was that it was unfortunate that speculators negative were unfairly skewing sentiment.
That response surprised me and made me question if I confused him with someone else. After a quick google I realized he’s just a sociopath.
Public sentiment about these results were inexplicably unfavorable? It’s crazy pill levels of insanity that networks still offer him their audience.
That response surprised me and made me question if I confused him with someone else. After a quick google I realized he’s just a sociopath.
Public sentiment about these results were inexplicably unfavorable? It’s crazy pill levels of insanity that networks still offer him their audience.
quote:
Out of the 10 SPACs launched by Chamath Palihapitiya through his Social Capital firm, 4 were liquidated without finding a target, and 5 of the remaining 6 that completed mergers have suffered severe stock price declines of 70% to over 98%. Only one completed deal (SoFi Technologies) has generated a net positive lifetime return for public investors.
Posted on 7/26/26 at 4:23 pm to Everyday Is Saturday
My salary, yes. Spouse makes about the same as me. We are not there yet for total household income, maybe in 5-7 years. That milestone will make me feel more secure about retirement.
Posted on 7/26/26 at 8:29 pm to Everyday Is Saturday
Yes on 1Y and YTD, but both are outliers. I’m not going to get a highly predictable market dump and rip every year where I effectively time the bottom
Posted on 7/26/26 at 8:30 pm to Everyday Is Saturday
(no message)
This post was edited on 7/26/26 at 9:21 pm
Posted on 7/27/26 at 7:57 am to Everyday Is Saturday
My net worth has risen every year since I "retired". I left my day job about 10 years ago, and am a full time investor now. Most of my activity is in real estate these days, which provides my spending money. I focus on new construction which has short term pay days, allowing my stock market money to continue growing.
Posted on 7/27/26 at 8:22 am to Everyday Is Saturday
Yes for rolling 1yr and ytd. It’s a good feeling at 50 to know that all I have to do is make it to 55 with my current employer and my financial future is secure. That being said I love what I do and will probably continue to work full time till 60-65 and part time till death.
Posted on 7/27/26 at 9:01 am to Everyday Is Saturday
Yes
Posted on 7/27/26 at 9:33 am to TigerSaint
quote:
But prob more important to know is portfolio earnings compared to your annual spend.
Living below means wins! Recommend that control is income - investments = expenses.
Then, keep eye on investments…are they generating more $ than income?
Money making more money than you are while living within your means is wealth building algebra!
This post was edited on 7/27/26 at 9:34 am
Posted on 7/27/26 at 9:42 am to Boss
quote:
At a 4% draw I’d need to have 12.5 million in investable assets. Not there yet. But won’t need that salary when I retire.
Is your current portfolio generating the $500k today? That is the question. Current portfolio vs current income.
PS, personal finance is personal. But what I have experienced having just retired is that I have better $ lifestyle in retirement than I did my highest learning years after 30yrs in IOC leadership role. We actually invested too much.
Point - you may not need as much (or to invest as long) as you think. Get clear on your withdrawal needs (go-go, slow-go, and no-go years of retirement, as they are not equal). Solve for $ nest egg that generates these retirement cash flows…w/margin of safety (salute to Benjamin Graham), of course!
Good luck!
This post was edited on 7/27/26 at 9:45 am
Posted on 7/27/26 at 9:54 am to lsuconnman
quote:
Finfluencers will destroy Gen Z. Look at this 100% yield bro.
(1+k)^n
k = earned interest rate
n = time
n is bad azz.
Start early, auto-invest regularly, live below means…future self will be wealthy (option to control your time, not be controlled).
The end.
I used to focus on k. Important. But n! Don’t fret imperfect k if you are working n hard.
This post was edited on 7/27/26 at 9:55 am
Posted on 7/27/26 at 6:25 pm to Everyday Is Saturday
Adjusting away from accumulation mindset is a weird feeling. My portfolio is up YTD probably 2-3X my peak earned income. Yet, I'm slightly down since May and it feels as if I'm stagnating. Zero urge to sell and no fear. Just an odd realization that all the metrics and milestones I used to get here are now largely irrelevant in this phase. Instead, I need to start spending and converting whether or not market is up or down.
Taxes, medicare premiums, SS, potential inherited IRA timelines, college expenses, and avoiding eventual widow penalty are my new milestones. Accumulation phase was much more motivating. Now, I'm trying to justify enjoying $ now when it's going to mean less than optimal tax strategy so essentially adding an additional tax premium on top of any increased lifestyle spending.
Taxes, medicare premiums, SS, potential inherited IRA timelines, college expenses, and avoiding eventual widow penalty are my new milestones. Accumulation phase was much more motivating. Now, I'm trying to justify enjoying $ now when it's going to mean less than optimal tax strategy so essentially adding an additional tax premium on top of any increased lifestyle spending.
This post was edited on 7/27/26 at 6:50 pm
Posted on 7/28/26 at 9:43 am to TorchtheFlyingTiger
No longer in accumulation phase…
Hear you loud and clear!
My son calls. You need to buy this or that stock.
Me: we won the war (so to speak). Leave me alone.
Our “investing” is now not spending.
Our metrics are now lifetime income after taxes.
Our time and spending is the real return.
Weird shift.
quote:
Just an odd realization that all the metrics and milestones I used to get here are now largely irrelevant in this phase. Instead, I need to start spending and converting whether or not market is up or down.
Hear you loud and clear!
My son calls. You need to buy this or that stock.
Me: we won the war (so to speak). Leave me alone.
Our “investing” is now not spending.
Our metrics are now lifetime income after taxes.
Our time and spending is the real return.
Weird shift.
This post was edited on 7/28/26 at 9:45 am
Posted on 7/28/26 at 9:55 am to Everyday Is Saturday
My gains (mostly unrealized) so far in 2026 are a bit more than my gross salary through July. Still have a couple decades of work ahead of me but hopefully there will be a comfortable retirement in my future.
Posted on 7/29/26 at 6:00 pm to Everyday Is Saturday
That's why I early retired 16 years ago at 47. No kids makes life a lot easier. Health insurance is still cheap as shite so far in NM.
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