22 Y.O INVESTOR

@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.

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.

@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❓

@v96809076 Absolutely!

@RuslanInvests Time is your best friend in investing

The Brutal Truth — Post #10 You don't have a wealth problem. You have a patience problem. Almost everyone wants to get rich, but nobody wants to get rich slowly. Everyone is looking for that magical stock option, that meme coin, or that hidden startup that will flip their $1,000 into a million by next Friday. But think about it: compound interest is like a giant snowball. At the beginning, when you roll it in the snow, it barely changes size. It looks like nothing is happening. But if you keep rolling it steadily for years, it eventually gets so big that it moves with its own gravity and crashes through anything in its way. Stop trying to force the market to make you rich this month. Build the habits, stay consistent, and let time do the heavy lifting.

@Mattihcq1 We have same portfolio man 👍

@RuslanInvests I like it. I have $VOO and $SCHD too

@SCHDaccumulator 66.47 🤑

My dividend income continues to grow… I’m now at $57.12/yr! 💰

@investingenz I needed the money for the stock market, and at the same time, I got tired of all the dips.

@RuslanInvests What made you sell?