Posts
How to set myself to make best use of downturns?
Background: M28, good income, high risk tolerance. Current portfolio: 50% in stocks, 20% in SPYM, 20% in target date 401k, 10% in cash. I'm relatively new in my investment journey but I have done a fair amount of research. In March 2025, my portfolio was down 30% and it really …
Diversifying out of the USA
So, is the common advice still to just blindly pile into the S&P 500? It got beaten by almost every other G20 nation last year. Clearly the world markets are reacting to the instability being caused by the US. The USA is going in a very different direction than it …
Cash out refi current STR to reinvest in a second STR
Currently have a short term rental which grosses \~$3k / month with expenses $1,500/month. I have $240k in equity in the property. If I cash out refi I could pull out \~$100k. Here’s the catch, I’m being quoted at nearly 7% interests rates on the refi which means I’m going …
Amaroq Minerals (AMRQ): The Greenland Gold Play with a Geopolitical Moat
**Current Price:** \~GBX 123 / CAD 2.29 **Market Cap:** \~£580m / CAD 1.06B Amaroq just transitioned from a developer to a producer, beating its FY2025 production guidance during a commissioning year. You are buying a high-grade gold mine that is ramping up exactly as major banks (JPM, Goldman) forecast gold …
ETFs VOO and being over invested into the magnificent 7
In general I am a passive investor and want to check my investment options once every couple of months. I am maxing out my ROTH IRA contributions and my 401K, the 401K really doesn't give me many investing options so it's in an S&P500 index fund as I feel the …
I have 15k im planning on dropping on a gold bar
Im planning on buying a gold bar for around 15k since gold been skyrocketing and it looks like its not gonna stop anytime soon with the economy and how bad things are going. But I was wondering "hey i got 15 what else is there?" I want something thats not …
What are your 2026 goals?
For me (32yo small business owner), I want to hit 200k between my retirement and taxable accounts. I started in Jan of 2023 with 8k total invested and am up to \~171k right now. Working towards work being “optional” by my mid to late 40’s. My allocation is: 60% FSKAX …
What part of investing turned out to be emotionally harder than you expected.?
When I first started investing, I assumed the hardest part would be picking the right assets or timing entries. Over time, I realized that the emotional side was far more challenging. Sitting through drawdowns, resisting the urge to act, and accepting uncertainty tested me in ways I didn’t anticipate.. I’m …
External tools for better visualization / tracking / risk analysis
Currently we work w EJ - well, at least for another 11 months to see how things go. Their website blows. What external tools / applications link into the details of EJ, that can provide better context and insight into our investments? ex Kubera or the like? Looking for ease …
529 early withdrawal, hypothetical
I know you shouldn't withdraw from accounts like this, that have penalties, but I am a doomer and love playing the mental gymnastics of what I would do in wort case scenarios so humor me. **If I lose my job, burn through my cash while looking for a new one …