@Bdubbs76 @FreedomFinLB Investment returns aren’t always guaranteed, we could have another lost decade and that would suck for me not seeing my money grow
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Invest For Freedom
1K posts
@Begrateful50 @FreedomFinLB Investments should beat the 6.1% all day and twice on Sunday
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If you have a mortgage with a 6.49% - are you paying extra towards principal?
I do an extra 10% of my payment towards principal at that rate, as a hedge against stagnant interest rates and additional downside protection.
Appreciate your thoughts and comments
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@FreedomFinLB Who knows but we have been going heavy towards the principle, we got our place one year and a half ago for 200k and we have 168k left to pay off
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@Begrateful50 Yep, if I see rates at 5.49%, Ill refinance too A whole point down would be clutch
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@SCHDETF I haven’t added any since the last dividend drip, I have 1,543 shares, I am dripping the next dividend
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$SCHD Progress:
How many shares are you holding now?
How many did you add in April?
I picked up 31 shares in April , 3 so far in May and now sit at 8,608 total.
More details below.👇
Step by step.
SCHD STAN | Craig@SCHDETF
$SCHD Marathon to $1M UPDATE: May 1, 2026 Finished April with 31 shares of $SCHD added. New month. Fresh start. Kicking off May with +3 shares today, bringing my total to 8,608 shares. Came up short of the 100 share goal in April. Right back to work. Current Stats: Shares: 8,608.1 Cost per share: $25.36 Total cost: $218,301 Market value: $274,254 Price gain: $55,953 (+25.6%) 🟢 Total dividends paid: $19,077.27 Total return (incl. dividends): $75,030 (+34.4%) Yield on cost: 4.16% Annual income: $9,087 2026 Shares: 272.8 January: 5.4 February: 12.5 March: 220.8 April: 31.0 May: 3.0 May Goal: 100 shares Step by step. Brick by brick. The marathon to $1 million continues 🐢📈 What’s your plan for May… DCA, buying dips, or mixing both? And do you have a share goal?
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@SCHDETF Schd is my biggest position right now but I’m only adding Schg right now, my taxable account is only Schg Schd Vymi, I don’t want all my money only in Schd
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My current ETF focus:
Growth: $SCHG
Core: $VOO
Quality: $CGDV
Div + Growth: $FDVV
Div + Value: $SCHD
International: $VYMI
Chip/AI: $SMH
Each one has a role. Different strengths, different environments.
I’m not trying to pick one winner. I’m building a portfolio that can show up in any market.
Which piece of your portfolio are you leaning on most right now? 🤔
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When it comes to investing philosophy, I take a little guidance from Bruce Lee.
“Adapt what is useful, reject what is useless, and add what is specifically your own.”
That’s how I’ve shaped my approach. I don’t commit to just one style. I learn from growth, value, and dividend strategies, then build a portfolio that blends them together.
Growth pushes the ceiling. Dividends and value build the foundation.
That balance just makes sense to me.
What’s your style right now… growth, dividends, or a mix? 🤔
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@EIenem6 I meant if he only invested in a taxable account to retire early? I should of fixed my words
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@Begrateful50 Putting money in the bank is a thing of the past; smart people wouldn’t do that.
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FIRE is terrible. Don’t waste your 20s and 30s saving every single penny and never having any experiences.
Foster relationships now. Go out on dates. Go on road trips and camp outs. Try out a cruise, you may even enjoy it. Go have experiences with friends.
My oldest brother that I talk to frequently is a surgeon, believe me, there are no guarantees in life. You have no clue how your health will hold up over time.
It’s crazy to me that a group of people will throw away their 20s and 30s in hope that there’s some magical happy point in their 40s. It’s very misguided.
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@MonacoFreedom Do what you feel is right, me and my wife got our first place 1 year and a half ago for 200k and we are putting what we can towards the principal as of today we owe 168k left, our interest rate is 6.1% fix
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My wife and I are both 30, and are nearing $400,000 in investments combined
I feel I reached the point where paying off my mortgage has to be the top priority
Agree or disagree?
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@DreamDividend What now, Invest more money in the market?
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Bye bye US currency 👋 ✌️
Never forget who did this to you 🫵
💵 ☠️
World Affairs@World_Affairs11
BREAKING: Saudi Arabia and UAE plan to sell oil in Chinese Yaun currency instead of the US dollar
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@MongeInvestidor Did you avoid retirement accounts to reach fire that early?
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@joecarlsonshow Allow me to disagree. People should do what their hearts tell them. I decided on FIRE when I was 17 and retired at 46. Life gave me all I needed, happiness in the simple (and cheap) things. I learned the value of my time and money. And I have plenty of life ahead of me. Cheers!🍻
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Waiting for Alphabet's $GOOG $GOOGL dividend increase
GIF
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@ConnerBean Me and my wife have been in our first home condo for a year and a half, rate 6.1% we are paying this off aggressively, we signed at 220k and now we have 168k left to pay, so I’m on the boat on not having all my money go all to interest for 30 years
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Paying off mortgages early is one of those things where I respect and acknowledge the math, but the math doesn't take into account the psychological benefits of not owing money to anybody and owning your house outright
The Money Cruncher, CPA@money_cruncher
My coworker has a 1.99% mortgage. That is something you should NEVER pay off early. Inflation is at least 3%/yr. Why would anyone pay that off aggressively? It makes absolutely 0 sense.
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@mymixtapez Don’t forget what Chris Brown did to Rihanna back then
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Bow Wow reacts to Chris Brown sliding into a new girl’s comments:
"You must be stopped."
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@BrattoBiz Here I thought Roths were better, I maxed mine for the first time this year and invest in the rest in my taxable, I have left my 401k alone this year
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The people who push Roth IRAs extremely hard tend to be late bloomers in the finance space, think 25+
They were told by other late bloomers that this is a tax-free account and will make you wealthy. It’s a cope-mobile. Most have no idea how the account actually works or affects your taxes, including when you die.
The only reasons to have a Roth IRA are
1. To hedge against future income tax rate hikes
2. You’re a trader trying to cash out on massive gains after 60+
Both require a magic 8-ball.
Most people are better off maxing a traditional 401(k) and putting the rest in a taxable brokerage account, real estate, and private biz as most will pay a lower effective tax rate in retirement versus paying their higher marginal rate now.
Those in low brackets where Roth makes sense can just invest in a taxable brokerage account and pay $0 in taxes until their income rises. But once their income rises, they will be better off taking the pretax deduction on the 401(k).
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@MarcosMillaYT I was all qqqm in my Roth and decided to not be in that fund being that it’s not diversified enough so I sold at profit and put it all in Voo
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10 ETFs that could beat $VOO in the next 10 years
1) $QQQM
2) $SPMO
3) $AOTG
4) $VUG
5) $SCHG
6) $SMH
7) $XLK
8) $VGT
9) $FTEC
10) $VOOG
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@TwoMindMoney I buy weekly, don’t care what price it’s at
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$SCHG is absolutely RIPPING. Up almost 6% over the past week 👀
Who else loaded up during the dip?
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@ModernDayInves I used to own a few shares but the more I read from other people commenting on the fund in a bad way I sold long ago
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Where are all of the accounts who told me I could retire off $YMAX ?
Awfully quiet… 🦗
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@V15Jay 1,542, don’t lose motivation keep buying and drip
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I had to update my $SCHD position screenshot🟢
Now at 402.5 shares✅
Need another 97.5 shares to hit 500😎
I need almost $3k to hit the Goal💰
How many $SCHD shares do you own??
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We received over $800 in dividends from $SCHD today 💰
How much was your $SCHD dividend?
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@SCHDETF I bought 12 shares manually because I wasn’t sure weather to drip the dividend back into Schg but I through it back into Schd
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$SCHD Dividend Payment Hits Today 💰
How many shares did you pick up… and at what price did your dividend reinvest?
SCHD STAN | Craig@SCHDETF
Happy $SCHD Dividend Pay Day 💰 Let me know what price you reinvest your dividend at. Let’s see which brokerage gets the best DRIP price this time. Timing will vary depending on your brokerage Some hit during the day Some after close Some even tomorrow Either way… enjoy this glorious day! 😁
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