22 Y.O INVESTOR

@raqib_rsr what do you mean bro

@RuslanInvests Yeah huge Do you want to be maker

The Investor Psychology — Post #2 There is a huge difference between being a "Stock Market Investor" and a "Stock Market Spectator." A spectator watches the stock price charts every single hour, stresses out over minor red days, reads every panic headline on social media, and changes their strategy every weekend. An investor buys an asset because they understand the underlying business or index, automates their monthly deposits, and shuts down the app to enjoy their family, friends, and hobbies. If you are letting the daily random ups and downs of the market dictate your emotional mood for the day, you haven't built a portfolio—you've built an anxiety machine. Take a step back and log off.

@RuslanInvests Automatic transactions set up to go to your investment accounts is a perfect way to mitigate the “spending too much” habit. Set it and forget it!

The Brutal Truth — Post #11 Here is a tough pill to swallow: You cannot invest your way out of a terrible spending habit. If you make $10,000 a month but spend $9,800 on a luxury lifestyle, fancy dinners, and subscription services you don't even use, you are still just one bad month away from financial disaster. The market isn't a magical machine that fixes poor discipline. True wealth isn't about how much money you bring in; it's about how much money you manage to keep and put to work. Before trying to beat the stock market, win the battle against your own bank statement.

@gedik_giray ABD borsası düşmüşken almak iyi ola bilir

Elime yaklaşık 1500 TL geçti 💸💸💸🤑🤑 (#EKDMR halka arzından) Fon almayı düşünüyorum ama kararsızım 🤔 Pusula fonlarını mı alsam acaba 📈 Yoksa premium ppf denilen fonlara mı ? Yoksa yabancı fonlardan mı alsam ? Siz ne dersiniz çok kararsızım🤔🤔 #TLY #PHE #TTE #PBR #DFI

The Portfolio Cheat-Sheet — Post #2 The "Dividend Trap" Checklist: Stop chasing yield, start chasing quality. We all love the feeling of seeing passive income land in our brokerage account. But looking ONLY at the "Dividend Yield" percentage when buying a stock is the fastest way to lose money. If a stock yields 11%, but the underlying company loses 20% of its share price every single year, you aren't making money. You are bleeding capital. Before you buy a high-yield asset, run it through this quick 3-step test: 1. Check the Payout Ratio 📊 What percentage of their profits are they paying out as dividends? If it’s over 80% (outside of REITs), they are stretching themselves thin. If it’s over 100%, they are literally borrowing money to pay shareholders. Run away. 2. Look at Earnings Growth 📈 Are the company's profits going up over the last 5 years? A sustainable dividend requires a growing business. 3. Check Dividend History 📜 Have they maintained or increased this dividend during a crisis (like 2020)? If they cut it the moment things get slightly tough, they don't value their investors. Focus on dividend *growth* and safety, not just starting numbers.

@NotA_Bull I’ll keep going with ETFs until I reach a high-level portfolio.

Would you rather keep buying individual stocks right now or play it safe with index ETFs? When I see discount across the board, I just buy them all at once with $VOO.

@NotA_Bull $QQQI

So, which stocks did you buy this week?

@Gavel_on_X Time never comes back.

What is one thing people realize too late?

@wallstnomads Thank you very much. I always patiently look forward to your advice as well, please.

@RuslanInvests Bingo. You already know. Nice work dude.

@TwoMindMoney Portfolio A Less is more

Which portfolio would you choose? Portfolio A 25% $VOO 25% $SGOV 25% $ABT 25% $NVDA Portfolio B 20% $AMZN 20% $DUK 20% $AMD 20% $SOFI 20% $RCAT

@wallstnomads Thank you for the advice. I already own a home. If I can save enough money, I’m planning to buy another one when I’m around 30–35 years old. As for the S&P 500, my average cost is $614—I accumulated it during the March dip.

Any time. And do not listen to everyone on here saying just DCA the S&P into oblivion, it is terrible advice. Get two or three properties first on buy to let. And start DCAing S&P at minus 20 no matter when that happens in the property journey. In that order. And you will be made. Period. Starting to invest in S&P at these levels is retarded.

@DividendMil Amazing man! i hope i can reach that level

🚨 PADI UPDATE 🚨 We just crossed $7,000/month in forward dividend income thanks to this week’s buys. ✅ Annual Dividend Income: $84,553 ✅ Monthly Income: $7,046 ✅ Daily Income: $231 That’s $84k a year for doing nothing but holding stocks. The goal is still $100,000 in annual dividend income by year end, and we’re getting closer every month. The key is that we never stop focusing on growth. We don’t chase fake, unsustainable yields. We buy quality assets, collect income, reinvest, and let time do the heavy lifting. Building wealth isn’t about getting rich overnight. It’s about making smart decisions over and over again until the numbers become impossible to ignore. 💰📈

@borsacibirgenc maksimum 35-40. Ondan sonra iş hayatı çekilmez vallahi

İnsanın kenarda hiç birikimi olmayıp tamamen ay sonu alacağı maaşa bağımlı olması kadar kötü olan çok az şey vardır. İş yerinde biri bir şey söyler, susarsın. Hasta olsan rapor almaya çekinirsin. Herkes evine giderken mesai yaparsın. Maaş kan görevi görür,akmazsa bitersin.

@wallstnomads These are incredibly valuable lessons. Thank you so much for sharing them.

True story. In my early 20s I used to spend 90% of my post tax earnings on lifestyle and missed a lot of sweet opportunities. Don't repeat my mistakes guys. Yes, they do come later too but grab the early ones, theyre the best ones while your mind is still young and on the ball, the older you get the more your judgement gets clouded. Get that first property asap and rent it out, doesnt matter where it is, just get it. Then get another one, then start on stocks whenever you see the market down 20%.

U.S. Stock Market ETF Guide — Post #11 Asset Profile: JEPI (JPMorgan Equity Premium Income ETF) If you look at traditional dividend ETFs, they usually pay around 2% to 4% a year. But what if you saw an ETF backed by JPMorgan that throws off a massive 7% to 9% dividend yield, paid out every single month? Sounds too good to be true, right? Let’s look under the hood of JEPI. 📊 The Quick Numbers: • Expense Ratio: 0.35% (Standard for actively managed funds) • Dividend Yield: ~7% - 9% (Changes slightly month to month) • Payout Frequency: Monthly cash in your account. 🤔 How do they get that much cash? JEPI doesn't just sit and wait for standard dividends. They hold a bunch of safe, low-volatility US stocks, and then they sell "options" (Covered Calls) on those stocks to Wall Street traders. Think of it like renting out your house for extra monthly income. ⚠️ The Catch: JEPI is an income machine, not a growth asset. When the stock market skyrockets, JEPI will lag behind because its upside is legally capped by those option contracts. The Verdict: If you need immediate cash flow to pay bills today, JEPI is amazing. If you are young and trying to grow your net worth for the next 15 years, stick to broad index funds like VOO.

@DevotedDividend I think adding $SCHD would be a better choice for dividend growth. JEPI and QQQI serve almost the same purpose.

Long-term wealth + monthly cash flow 👇 📈 25% $VOO – S&P 500 growth engine 🚀 25% $SCHG – High-growth exposure 💵 25% $JEPI – Monthly income & stability 🏆 25% $QQQI – High-yield income boost Growth + income + compounding = powerful combo 💰📊

@GrowthStockDad @ben__investing @DividendDrip @_LamNam_ @BlackMambaMilli @Mikethejourney1 @wasianinvestor @ColeF17544 @drayinvests @finsightt @MomentumJustus @OBPinvestments @lindsay__stamp @InvestingAddict @BrettLeisure @LazaroInvestor @tyruspradier @IndexAndForget @SparkingFIRENC @BrutusVTI @GenXmillionaire Thank you very much, I’m incredibly happy.

some of my favorite dudes right here - appreciate ya, Ben! Right back at ya I'll add: @MomentumJustus @OBPInvestments @lindsay__stamp @InvestingAddict @BrettLeisure @LazaroInvestor @TyrusPradier @IndexAndForget @SparkingFIRENC @BrutusVTI @RuslanInvests @GenXMillionaire @Smartnetworth1 @LonestarMoney @BoomerDivvies @DadisFIRE @b_co_co @TinyToothDDS @TheDividendDog @YunaMoneyTips

Let’s share some appreciation across the FinX community. Tag below your GOATS and show your appreciation to them. I’ll start 👇🏽

@Borsaemiliano Hocam evde aletsiz şekilde calisthenicsle bile güzel ve sağlıklı bir vücut elde edile bilir. Tabi,böyle bir istasyonun olması ekstra üstünlük sağlar

Kendimi bildim bileli spor yapıyorum Birçok kez spor salonlarina da gittim, ancak sürekliliği olmuyor iş hayatı ile birlikte bir de çocuk varsa evde Spor salonu sürdülebilir değil.. Benim için zaman çok önemli ben Spor salonuna git gel yaptığımda 3 saatim gidiyor, 1,5 saat antrenman gitmesi gelmesi duş alması derken havaya giden 3 saat bana uymuyor yani Haftada 100,000 adım atmaya gayret gösteriyorum, bu şekilde yağ yakımını hızlandırıp, protein beslenmeni de yap.. Size kesin ve net önerim eve ağırlık istasyonu alın, zaten salonda yaptığınız hareketlerin %80'i bir alette var, ben aldım çok da memnunum, istediğim zaman ağırlığa giriyorum, hem gözümün önünde beni sürekli iştahlandırıyor, zaman kaynım da olmuyor (Görselde marka ismi gözüktüğü için reklam ve işbirliği değildir)

@PinguStacks These things happen all the time, it's okay. Keep going.

@RuslanInvests We have done opposite trades haha Selling crypto near the $BTC 200WMA, over 50% drawdown... to buy $QQQ just shy of ATH, doesn't make sense to me personally Selling low... buying high 🤷‍♂️

After today’s drop, I decided to add to my position. I sold my crypto holdings, and I’m not going to buy them again. The price of $QQQI fell by nearly $2. To increase my annual dividend income, I added 8 shares of QQQI. At the moment, my portfolio consists of $QQQI, $VOO and $SCHD . I’m planning to stick with these three ETFs for a while.

@birikimkafasi Hayırlısı neyse o olur umarım kardeşim

Selam arkadaşlar güzel bir cumartesi sabahından kocaman güzel dilekler gönderiyorum😊👋 aşağıdaki konu hakkında desteklerinize ihtiyacım var fikirlerinizi bizden esirgemeyin 🙏 🚨 Yakın akrabam kamuda şöför 700-800 bin TL kredi kartı + ek hesap borcu var. Kurum promosyon olarak ya 100 bin nakit ya da 500 bin faizsiz kredi veriyor. Sizce hangisini seçmek daha mantıklı❓ Faizli borcu azaltmak için faizsiz kredi alınır mı❓ 🙋🏻‍♂️Ben olsam faizli borcu kapatmak için faizsiz krediyi düşünürdüm ama “borcu borçla kapatmak bataklıktır” diyenler de var. Siz olsanız ne yapardınız❓