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Message
re: Your money earning more money than you do?
Posted on 9/20/25 at 4:38 pm to Artificial Ignorance
Posted on 9/20/25 at 4:38 pm to Artificial Ignorance
My investment gains so far this year are 2x my full year salary.
An anomaly to be sure.
An anomaly to be sure.
0
Posted on 9/20/25 at 7:41 pm to Artificial Ignorance
I came within $3000 two years ago.
Had it last year on Thanksgiving but dropped a little in December.
Going to fall short again this year.
Had it last year on Thanksgiving but dropped a little in December.
Going to fall short again this year.
Posted on 9/20/25 at 10:53 pm to Artificial Ignorance
My money earns more than my job now, so we are at a point we have 3 salaries coming in essentially. We are sneaking up on investments earning more than both our salaries, which will be pretty darn nice.
The power of compounding is undefeated. The acceleration at $100,000 and $1,000,000 are a thing.
The power of compounding is undefeated. The acceleration at $100,000 and $1,000,000 are a thing.
Posted on 9/20/25 at 11:55 pm to Artificial Ignorance
I’m here in a decent year for one the market.
Posted on 9/21/25 at 6:21 am to Artificial Ignorance
I make more than double what I made when working. Pleased with how my retirerment at 56yrs is going. Should have retired at 50.
This post was edited on 9/21/25 at 5:56 pm
Posted on 9/21/25 at 8:54 am to Armymann50
Threads like this always feel like a top signal
God and Thomas Jefferson intended for us to put in a hard life’s work of back breaking labor and then lay down our pick at 55 and die 2 weeks later of the black lung
Even people with fake jobs like lawyer got consumption and syphilis and had to move out of the governance centers to the provinces to take advantage of the climate
I feel like letting old people control everything is where we went wrong as a society
God and Thomas Jefferson intended for us to put in a hard life’s work of back breaking labor and then lay down our pick at 55 and die 2 weeks later of the black lung
Even people with fake jobs like lawyer got consumption and syphilis and had to move out of the governance centers to the provinces to take advantage of the climate
I feel like letting old people control everything is where we went wrong as a society
Posted on 9/21/25 at 9:22 am to LChama
quote:
Is 10% annual roi reasonably attainable in retirement
I wouldn't count on it. 10% is pretty steep despite what some may say. I used a 6% return to look forward. With that said, from 1/1/2025 to now, I'm up 10.5 percent in a 60/40 total stock/total bond investment portfolio.
Posted on 9/21/25 at 9:23 am to DarthRebel
quote:
The power of compounding is undefeated. The acceleration at $100,000 and $1,000,000 are a thing.
And $1,000,000 to multiple millions. Picasso-like are Exponential curves!
Hope the early career MT (and all) make this a priority. Earlier the better. Don’t fall for the “I can’t afford to live below my means” consumerism that rips financial independence from your grips before you even think about it.
Income - Investments = expenses
Your future selves will thank you.
Posted on 9/21/25 at 9:26 am to NBR_Exile
quote:
6% return
I used 6-8% over long-term…and closer to 6% as approaching retirement as did not want 1 ounce of risk greater than needed to cross the retirement threshold (ie, latter working years).
Posted on 9/21/25 at 9:30 am to el Gaucho
quote:
letting
Blood verb
Income - investments = expenses
You are in charge. Do it.
Posted on 9/21/25 at 9:33 am to Artificial Ignorance
quote:
And $1,000,000 to multiple millions. Picasso-like are Exponential curves!
Hope the early career MT (and all) make this a priority. Earlier the better. Don’t fall for the “I can’t afford to live below my means” consumerism that rips financial independence from your grips before you even think about it.
Income - Investments = expenses
Your future selves will thank you.
Early investing/savings certainly pays off. You have to stack the cash. Live within your means.
This board tends to center around picking stocks. I went through the dot.com era so I get the excitement picking a winner delivers. But most of the winners back then dropped off a cliff.
Posted on 9/21/25 at 9:37 am to Artificial Ignorance
quote:
Hope the early career MT (and all) make this a priority. Earlier the better. Don’t fall for the “I can’t afford to live below my means” consumerism that rips financial independence from your grips before you even think about it.
Read this younglings
I could have topped the 1 million mark 5 years sooner than we did, but we did not focus on investing enough when younger.
You can easily go from 1 million to 5 million in 16 years, so get to 1 million fast. Going from 5 million to 10 million drops down to 7 years.
Simply put, if you can hit 1 million by 45ish, you are in spitting distance of 10 million by 65.
Posted on 9/21/25 at 9:40 am to Artificial Ignorance
quote:
I used 6-8% over long-term
Honestly I don't look at returns anymore. I look at expenses and what my saving will provide. At 59 my book is looking OK. And come 2/26 I can start getting a SS spousal benefit that will cover around 60% of my monthly nut.
Posted on 9/21/25 at 10:06 am to DarthRebel
quote:
Simply put, if you can hit 1 million by 45ish, you are in spitting distance of 10 million by 65
I love the enthusiasm but one would have to earn over 12% per year to go from 1MM for 10MM in 20 years. That's hard to do. With additional contributions that number comes down but going from 1 to 10 would need some serious luck.
Posted on 9/21/25 at 10:14 am to LChama
quote:
Is 10% annual roi reasonably attainable in retirement
Absolutely. What is the 20 year average of the s&p? The entire stock market?
I made the mistake of moving too much money into bonds shortly before I retired. Conventional advice failed me in that respect. I have a small % in bonds and have beat 10% annually since returning my mix to mostly stocks. I grew my real estate investing significantly, so decided I did not need the bond diversification.
Now beating the real inflation rate is another consideration, but that is not the topic. But stocks are a great way to beat inflation as well. In general, I don't subscribe to the conventional wisdom on the stocks/bonds mix in your portfolio during retirement. At least not in the early years of retirement.
Posted on 9/21/25 at 10:18 am to Artificial Ignorance
quote:
I used 6-8% over long-term…and closer to 6% as approaching retirement as did not want 1 ounce of risk greater than needed to cross the retirement threshold (ie, latter working years).
I guess it really is where you are starting from. I'm talking about retirement. If I have 40 years of expenses in the bank and I'm mid 50's or older I'm pretty good. No real reason to worry about return unless you want to leave money to heirs. I told my sons that I'll cash my last check on my death bed. Though they know this isn't true but if you want to leave a legacy it changes the calculations
Posted on 9/21/25 at 10:22 am to KWL85
quote:
I don't subscribe to the conventional wisdom on the stocks/bonds mix in your portfolio during retirement. At least not in the early years of retirement.
That’s a universal statement.
Retirement time horizon (period length from retirement start to end of life) matters, no? If retirement at 55yo (hear you). If retire at 65yo or later (shorter retirement length), asset allocation (AA) matters more as does sequence of returns risk.
I think AA hugely matters and depends, as always, on personal context.
quote:
Absolutely. What is the 20 year average of the s&p? The entire stock market?
Curious, have you lived through “black swan” event(s) in your investing life (eg, 2008-10)? Suspect COVID years did not leave any scar tissue on your expected returns sentiment of which I applaud.
This post was edited on 9/21/25 at 10:31 am
Posted on 9/21/25 at 10:27 am to NBR_Exile
quote:
No real reason to worry about return unless you want to leave money to heirs.
Inflation will eat you alive, and that death bed may come sooner than you want (kidding).
Hear your point.
But compounding during retirement matters as much as it did to get to retirement, IMO.
Posted on 9/21/25 at 10:33 am to NBR_Exile
quote:
I love the enthusiasm but one would have to earn over 12% per year to go from 1MM for 10MM in 20 years. That's hard to do.
Expenses come down significantly over those 20yrs (at least in terms of kids…no more tuition, insurance, clothes, etc) that creates opportunity to invest more, as well.
Posted on 9/21/25 at 10:35 am to Artificial Ignorance
quote:
Hear your point.
But compounding during retirement matters as much as it did to get to retirement, IMO.
And I hear your point. Inflation will erode the nest egg. But the portfolio will amend that to some degree. Equities generally rise. Bonds do as well. I admit to can't beat inflation without some equity exposure.
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