Silent Stackers

When I graduated college in 2014, one of my goals was simple: become a millionaire. I didn’t know exactly how I’d get there. I just knew I needed to save and invest a meaningful portion of my income over time. Thanks to recent market highs, I can now say I’ve reached that goal at 34. I didn’t think this was possible so early until a few years ago, when my income started rising and compounding really began to do the heavy lifting. I’ve only ever worked a W-2 job. I kept my expenses low, increased my income steadily, and invested the difference into my 401k and index funds. Along the way, I still lived my life. I traveled, spent money on experiences I value, and enjoyed the process without feeling deprived. Thirteen years later, here I am. I know this goes against my brand (of being a silent stacker) but I’m sharing this to show that financial freedom is achievable without living a boring life. With consistency, balance, and patience, it can happen sooner than you think.

@EverydayStockz Every single time.

Index funds for beginners > picking stocks early on.

@bestplayeratlas That’ll do it!

Make $10,000 a month, live off of $2,500, invest the $7,500. That's how you get rich.

@Dearme2_ Sunshine and exercise.

Without drugs... what is the greatest weapon against anxiety and depression?

@moneywithkal Love this. Everyone is broke in their 20s but you really start to see who still is and who isn’t in your 30s and 40s.

Broke in your 20s: normal Broke in your 30s: a choice Broke in your 40s: a habit Start now

@AccentInvesting If you have wealth don’t forget to enjoy some of it.

The goal isn't to be the richest man in the graveyard. It's to be the man who lived life on his own terms every single day.

Half of building wealth is just not doing something stupid when you’re bored.

@Brogan01122972 That’s a wealth mindset.

Honestly. Being 23, I hope the market continues to sell off. I’ll keep investing $VOO in my RothIRA I’m investing for the long term. No options/ leverage/ ect. I’m not phased.

@darrenv96 Always a good thing to wake up excited to go to work!

Woke up excited to go to work today. Winning.

@AvalancheWealth True 😂

@Silent_stackers I can’t rule out anything these days

Here is a fun conspiracy theory. Do you think the elites created bitcoin after the financial crisis and made it cyclical so that every four years they buy low and sell high just to get filthy rich?

@Budgetdog_ Definitely. Hard to be ok with enough when you’re able to have more.

The real winner is the person that hits financial freedom and then no longer chases money.

@kinginvestings Control your spending and you’ll control your finances.

You’re not broke. You’re just spending like someone who makes more than you.

@BrianFeroldi Different way to look at it but true.

Your portfolio is like a bar of soap. The more you fiddle with it, the smaller it becomes.

@Bitcoin_Teej I’ll take Fidelity.

You have to put your life savings in one brokerage. Where are you putting your money?

@CGInvesting10 Hold less in cash and invest more.

If you could go back to the first day you started investing what would you do?

@Iamcaddex @shani_cooks Nope. You have to have discipline and be able to manage your expenses.

Is working hard enough to succeed?

@SteveOnSpeed I think it shows the confidence you have in yourself and beliefs.

Social media is fun for me because I don't care whether people agree with me. I don't argue much. It's not my purpose in life to make sure other people believe as I do. What a giant waste of time that would be. ;)

Thanks! I’m not sure the actual dollar amount but if I had to guess it was about $1.5k per month into my 401k plus probably another $1k a month into an individual brokerage account. Returns pretty much match those of the S&P 500 as I’ve only ever invested in growth ETFs and ones that follow the S&P 500. The last five years I’ve probably invested closer to $4.5k a month as my income has grown. Stick with it, never stop dollar cost averaging, and never sell and you’ll be in the same place in no time!

@Silent_stackers Wow nice story man congrats. Very similar to mine started last year at 23 yrs old currently sitting ar roughly $40k invested. 2 questions I would love to ask you man. How much were your monthly contributions on those 13 years? What was your CAGR % return on those 13 years?🙏🏽🔥

When I graduated college in 2014, one of my goals was simple: become a millionaire. I didn’t know exactly how I’d get there. I just knew I needed to save and invest a meaningful portion of my income over time. Thanks to recent market highs, I can now say I’ve reached that goal at 34. I didn’t think this was possible so early until a few years ago, when my income started rising and compounding really began to do the heavy lifting. I’ve only ever worked a W-2 job. I kept my expenses low, increased my income steadily, and invested the difference into my 401k and index funds. Along the way, I still lived my life. I traveled, spent money on experiences I value, and enjoyed the process without feeling deprived. Thirteen years later, here I am. I know this goes against my brand (of being a silent stacker) but I’m sharing this to show that financial freedom is achievable without living a boring life. With consistency, balance, and patience, it can happen sooner than you think.

@Alleninvests Great advice!

Worst advice for young investors: “You’re young, take lots of risks”. That’s how you wreck your portfolio before it even compounds. Build with ETFs first. Take risks later

@The_Money_Buddy Smart because they have time on their side.

Someone who is 32 years old has: • $250k invested • $0 debt • $0 savings Everything is in the market. Smart or risky?