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What is your "if I could have a re-do, I would..." re: your personal finances
Posted on 7/16/21 at 11:20 am
Posted on 7/16/21 at 11:20 am
I wish I had more in Roth IRAs. If I had a re-do, I would have pumped more into them earlier in career and found backdoor/mega earlier.
A close 2nd is HSAs (although company just introduced them last year but "tax free" opportunity is something I wished I had sooner
A close 2nd is HSAs (although company just introduced them last year but "tax free" opportunity is something I wished I had sooner
28
Posted on 7/16/21 at 11:24 am to Turf Taint
quote:
What is your "if I could have a re-do, I would..." re: your personal finances
Skipped college or study something worthwhile.
Posted on 7/16/21 at 11:31 am to Turf Taint
Not gone years in between putting money into a retirement account. Also I would pour every dollar I received from roommates over the years directly to my mortgage.
Posted on 7/16/21 at 12:02 pm to Turf Taint
I spent a decent part of my 20s paying off credit card and other debt I accumulated while in college. I had scholarship and a job that helped pay for college (my parent's didn't help - they could not afford) so I maxed out student loans and took on every credit card that offered me a free t-shirt (and there were plenty!). The loan refunds and credit cards were used purely for my to enjoy my college experience - paid for a lot of trips and beer because I wanted to keep up with my friends.
Having to pay all that back after college - with interest - not only set me back on saving for retirement, but it gave me a hard credit hit that took a few years to recover from.
Having to pay all that back after college - with interest - not only set me back on saving for retirement, but it gave me a hard credit hit that took a few years to recover from.
Posted on 7/16/21 at 12:06 pm to Turf Taint
Made more earl
Saved more early
Saved more early
Posted on 7/16/21 at 12:07 pm to Turf Taint
Rented my house last year instead of selling it
Posted on 7/16/21 at 12:22 pm to Turf Taint
Threw my life savings and every available dime of credit i could scrounge up into BTC when I first heard of it at $40-50
Posted on 7/16/21 at 12:25 pm to Turf Taint
Sold everything on February 8th
Posted on 7/16/21 at 12:29 pm to Tiger Prawn
quote:
Threw my life savings and every available dime of credit i could scrounge up into BTC when I first heard of it at $40-50
Any other answer than this is wrong.
Posted on 7/16/21 at 12:51 pm to Turf Taint
Bought a condo in college with parents co-signing instead of renting and kept a roommate or 2 to help with the mortgage.
Posted on 7/16/21 at 12:54 pm to Turf Taint
Definitely funding a ROTH IRA in my 20s instead of starting in 30s
Posted on 7/16/21 at 2:16 pm to Turf Taint
I would have done less paying down the mortgage and more investing for long term stocks or index funds
Posted on 7/16/21 at 2:22 pm to Turf Taint
Bought some Berkshire Hathaway stock in the mid to late 80's. Fully fund the ROTH. Felt like I could do better on my own investments.
Posted on 7/16/21 at 2:35 pm to Turf Taint
Wish I would have gotten more aggressive from 2010-2019 so I wouldn't feel any pressure to chase larger returns and get aggressive in this current climate.
This post was edited on 7/16/21 at 2:37 pm
Posted on 7/16/21 at 2:37 pm to Turf Taint
I wouldn't have bailed on AMC at $12.00 and would have rode that shite up to over $70.00/share!!!
Posted on 7/16/21 at 2:53 pm to Turf Taint
I wish I would have been avoiding the internet when this was posted.
Early February 2021
quote:
quote: Remember I hold stocks, I’m not chasing daily rips. Any of these will make you smile with very little risk on a HOLD. Gotta follow the plan - ZOM, WKHS, RIDE. DS Then you go to more risk / speculative - TSNP , FORW, IBIO, CBBT, ARKBF, MVIS
Early February 2021
This post was edited on 7/16/21 at 2:56 pm
Posted on 7/16/21 at 2:56 pm to Turf Taint
I've done alright but would've saved more and would've either bought rental property or kept my old houses when I upgraded and used them as rentals.
Posted on 7/16/21 at 3:16 pm to Mingo Was His NameO
quote:
Any other answer than this is wrong.
I could be wrong, but I don’t think the OP is asking for that type of response. If so, I wish I had known the winning numbers of the billion dollar jackpot in the litter a while back.
Posted on 7/16/21 at 3:20 pm to Mingo Was His NameO
quote:.
Any other answer than this is wrong
Is that really answering the question? If he had a 1000 shares of Bitcoin and sold then yeah, that’s a mistake. If it’s just pie in the sky stuff then we would all bet on Tampa Bay to win the super bowl, etc., and
This post was edited on 7/16/21 at 3:44 pm
Posted on 7/16/21 at 3:23 pm to Turf Taint
Not gotten married.
But really, bought land while I was young.
But really, bought land while I was young.
This post was edited on 7/16/21 at 3:25 pm
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