barrettefc

The most perfect day yesterday - From start to finish 💙 OUR HOME 💙

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I must have missed you yesterday as I didn't see you at the best ground in the world @EvertonStadium 😊

This stadium was built for days like this. It was also built for European nights. Today, Evertonians shifted the spirit of Goodison Park to their new home and David Moyes & his players responded. Everton finally arrived in their home on the banks of the Royal Blue Mersey 🔵

12 Points deducted. For building a new stadium. ZERO on-field advantage. We stood alone. Other fans laughed & mocked us. We dug deep. We survived. Fuck Masters. Fuck the EPL. And fuck every other football fan who gloated.

@freedombill3 What app is that 2nd graph on mate?

Seventy days ago, this system started with a single penny. Today, it is buying real slices of the global market. 1p Challenge Day 70. I have moved 70p in to the $VHYL, $VUSA and $JEPQ pies. It takes the same amount of effort to invest 70p today as it did to invest 1p on day one. Absolutely none. The markets took a slight dip today, meaning some of the pots are showing a tiny bit of red, but the total balance still pushed forward to £74.40. Red days mean today's 70p bought cheaper units than yesterday's 69p did. The machine does not care about the daily noise, it keeps stacking. $VHYL Pot • Cash Invested: £24.85 • Current Value: £24.54 • Divs Earned: £0.00 $VUSA Pot • Cash Invested: £24.85 • Current Value: £24.77 • Divs Earned: £0.00 $JEPQ Pot • Cash Invested: £24.85 • Current Value: £25.09 • Divs Earned: £0.08 Total Income: £0.08 71p tomorrow.

@freedombill3 When does each fund pay a dividend?

The pub is calling, but the compound interest machine doesn't take days off. 1p Challenge Day 58. I have moved 58p in to the $VHYL, $VUSA and $JEPQ pies. Breaking through the £50 total milestone yesterday was a reminder of why we started this. Today, the total is already sitting at £52.13. It proves that wealth isn't about having a massive lump sum sitting around, it is about the mechanics of building a daily habit. The money moves whether it is a busy Friday payday or a quiet Tuesday. $VHYL Pot • Cash Invested: £17.11 • Current Value: £17.79 • Divs Earned: £0.00 $VUSA Pot • Cash Invested: £17.11 • Current Value: £17.23 • Divs Earned: £0.00 $JEPQ Pot • Cash Invested: £17.11 • Current Value: £17.10 • Divs Earned: £0.01 Total Income: £0.01 59p tomorrow.

@latestincosmos @grok explain this like I'm a 10 year old

⏳ Scientists just bent time and discovered a whole new phase of matter. Welcome to the era of time quasicrystals! In a groundbreaking breakthrough, physicists at Washington University in St. Louis have created a time quasicrystal—a brand-new phase of matter that unfolds not just in space, but also in time. Built inside a diamond, this strange structure doesn't simply oscillate like a ticking clock; it pulses with multiple, non-repeating frequencies, forming a complex but stable pattern in four dimensions. Unlike traditional crystals that repeat in space, or time crystals that repeat in time, time quasicrystals exhibit long-range temporal order without repeating, similar to how spatial quasicrystals are ordered but non-periodic. The researchers engineered this phenomenon using a diamond lattice filled with nitrogen vacancies, where the spins of electrons interact quantum mechanically. These interactions generated synchronized, multi-frequency oscillations that remain coherent over extended periods—a rare feat in quantum systems. Beyond its novelty, the discovery opens exciting possibilities for quantum technologies. Time quasicrystals may one day enable ultra-precise quantum sensors and stable quantum memory devices, laying the foundation for more robust quantum computers and deeper control over time-based quantum behavior. Source “Observation of a Time Quasicrystal and Its Transition to a Time Crystal,” Physical Review X, 2025.

@freedombill3 Is it just preference for distribution version over accumulation?

The Friday pub run can wait. Before any money gets spent on the weekend, £50 goes straight into the portfolio, every single week, without fail. This week I'm investing in S&P 500 $VUSA. It is easy to get to Friday, look at your bank account, and think about what consumer goods you can buy. I prefer to buy a tiny slice of 500 of the biggest companies in America. This means I own a bit of the best global businesses in the world. $NVDA $AAPL $GOOGL $MSFT $AMZN $META $AVGO $TSLA $BRK.B $WMT I buy the distributing version so it pays out cash dividends. I like seeing the rent hit my account as it proves the system works. Pay yourself first. Enjoy the weekend after.

@Cobratate What's the difference between Dubai and the UK? Both have an influx of 3rd worlders yet they act completely different in both countries?

The miracle of Dubai is the mass influx of 3rd worlders and forcing them not to exhibit 3rd world behaviour. There is no crime. There is no corruption, or "give me a tip" garbage. Everyone simply does their job for the wage. But there is one 3rd world habit they haven't solved - Honking the horn in traffic nonstop.

@freedombill3 If you dont mind that would be great. Appreciate the help so far

Yeah of course, it gives the best balance of growth and income. If starting out, what is you main goal and time horizon? if a long time, go for growth now only and can add income once you have a built a solid base. If you want I will DM you to help you have a chat about it mate.

@freedombill3 Hi mate, any idea why when copying your pie the money just sits there as cash? When attempting to invest more funds it says it needs a minimum of £714.29

@freedombill3 Yes just starting out on my journey but planning to do auto weekly deposits and forget about it. Does just having those two holdings have the same effect of your original pie with the regular dividends?

@barrettefc No worries, check this pie out. It's only got two holdings, Nasdaq 100 for growth and JEPQ for Nasdaq income. It's a great long-term play and has a minimum £4 investment. You are planning on holding for a long time yes?

@freedombill3 That sounds great really appreciate it mate!

It is confusing and how T212 does it. I don't want to change that pie as that is the true current weightings of my portfolio that'll change over time as I adjust to more income. I can however create a new pie of where I want to get to in terms of holdings weightings, it will be less to copy as the IncomeShares holdings will be higher, this is my goal anyway, I'm just so heavy on Nasdaq right now. How does that sound?

@freedombill3 Thats confusing 😂 so is there no way to copy your pie without starting off with £714?

Hi mate, yeah that’s just a Trading 212 minimum-order thing rather than anything wrong your end. Each stock in a pie needs at least £1 to be invested. One of the slices in that pie is only 0.14%, so T212 works backwards and says you need about £714 total for every slice to hit the £1 minimum. If you try to invest less than that, the cash just sits there uninvested. I’ll likely tidy up the smaller slices tomorrow as I'm planning to restructure which should make it easier to copy going forward.

@freedombill3 I invested yesterday which obviously wont go through until Monday but today it wont let me click on invest as its greyed out and the top bar has stayed on on 'Investing' since yesterday. Am I doing it wrong on weekends?

1p Challenge Day 25. I have moved 25p in to the $JEPQ and $VHYL pies. We have reached the £3.25 mark. The pots are loaded and ready for the markets to open tomorrow morning. $VHYL Pot • Cash Invested: £3.25 • Current Value: £3.25 $JEPQ Pot • Cash Invested: £3.25 • Current Value: £3.23 I'm not dreading Monday, we are already positioned. The orders are queued. The cash is sent. We don't chase the market, we wait for it to come to us. 26p tomorrow. Enjoy your Sunday roast.

William Ralph 'Dixie' Dean. The original. The greatest. 💙

@freedombill3 This hit heavy the difference 10 years makes. Im 37 and only wish I'd started 10 years ago

I had a chat with a lad at work yesterday. He’s 24. Smart kid, but convinced he can’t afford to invest. I asked him a simple question.... If I showed you a machine where you insert 80p and it instantly spits out £1.00, would you use it? He laughed..... Obviously. I’d stand there all day. I told him.... That machine exists. It is legally available to you right now. It’s called a SIPP. He looked confused, so I scribbled on a virtual whiteboard and wrote down the two numbers that change everything. 1. The Government Handout, Tax Relief. I explained that a SIPP isn't just a savings account. It is a vehicle that claws back the tax you've already paid. The government adds 25% to your contribution automatically. • You put in: £8,000 • The Govt adds: £2,000 • Total Balance: £10,000 (Technically they call this 20% Tax Relief because £2k is 20% of the total pot, but for your wallet, it is a 25% instant return on your cash). But it gets better, I said.... If you become a Higher Rate payer later in your career, you can claim back another £2,000 on your tax return. That means a £10,000 investment effectively costs you only £6,000. £4,000 of free equity. Just for filling in a form. 2. The Millionaire Maths, Compounding. I asked him.... Can you afford £240 a month? That’s basically one night out a week. He nodded. I showed him the calculator: If he invests that £300, his £240 + Govt £60 into a simple S&P 500 or Global Tracker fund, assuming the historical 10% average return: • Age 24: Starts. • Age 34: £60,000. • Age 44: £206,000. • Age 54: £570,000. • Age 60: £1,048,000. He stared at the paper..... So for the price of a few pints a week, I retire a millionaire? Yes, I said.. But only if you start now. If you wait until you're 34, that number drops to £380k. He then asked the panic question.... But Bill, I don't know how to pick stocks. What if I pick the wrong one? The answer I gave was simple.... Don't pick. I said.... You don't need to find the next Nvidia, Microsoft, Tesla or Amazon. You just need to own the market. • S&P 500 Tracker $VUSA, betting on America. • Global Tracker $VWRL, betting on the World. Historically, these have doubled your money roughly every 7-10 years. You don't need to be a genius. You just need to be consistent. He is planning to open a SIPP before next week. Wealth isn't about earning a massive salary. It is about using the tax loops, taking the free government money, and letting time do the heavy lifting. It's literally free money. Don't walk past the machine.

@freedombill3 Ah got it! Do you have those incomeshares in a seperate pie or all individual investments?

@barrettefc No, I hold other stocks too, the T212 pie is my total portfolio of my own money with their weightings in my portfolio.

New Friday ritual locked in. I have decided that every single Friday, I will buy £50 of freedom. It isn't about timing the market or waiting for a dip. It is just about regular, boring execution. Here is where the £50 went today for week 1, £6.25 into each. $AVGI $NVDD $TSLD $METI $AMZD $AAPI $GOOO $MSFI It might not look like a life changing amount right now, if you do this every week, year after year, the compounding takes care of the rest. That is £50 less in my bank account today, but it is another brick in the wall for the long term. My Trading 212 portfolio pie weightings has been updated trading212.com/pies/ltzniIdws… Buying freedom, one Friday at a time. Consistency wins.