Retire to Warmth

3.7K posts

Retire to Warmth

@Strachota73

Focused on being a great dad and making a better life for my family. Will move for Warmth.

Katılım Mayıs 2018

229 Takip Edilen286 Takipçiler

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Retire to Warmth@Strachota73·19 Eyl

Just did the 2025 update and up another 22.5% this year....it's been a great run.

Retire to Warmth@Strachota73

Never tracked net worth in the early days but I have for the past 8 years. Crazy to see the YOY increases. 14.5%🔼 7.7%🔼 13.5🔼 31%🔼 7.2%🔻 30%🔼 33%🔼 Stay consistent and believe in yourself.

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Retire to Warmth@Strachota73·6h

@SnellSZN Yes. It has been for about 9 months now and it is the tax debt relief program....so annoying. I get anywhere between 5-8 calls every day.

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🦌@SnellSZN·10h

Has anyone experienced a big influx in spam calls? I’ve gotten 4 since yesterday

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Retire to Warmth@Strachota73·6h

@gottlebee I get it. RH is too game-a-fied and flashy for me. Also having sports betting on the interface gives me the ick. Makes if feel like a money grab instead of a support system for investing.

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Patricia/Road to FI@gottlebee·7h

@Strachota73 Fidelity is a trusted leader in investment brokerage. Though RH they’re saying is beginner friendly. They give you lots of perks to transfer your accts. Lol

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Patricia/Road to FI@gottlebee·10h

I transferred my Robinhood account to Fidelity. Did I make a wrong move?

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Retire to Warmth@Strachota73·8h

@SparkingFIRENC Yes, its eased the stress of spending massively. If i don't use it all one month, I roll it to the next month into the same spending bucket (not a savings bucket), so it forces me to make an effort to spend it and enjoy it.

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Seb's FIRE Journey@SparkingFIRENC·8h

@Strachota73 Has that helped a lot? I could see how it would but I think the added uncertainty would make it hard for me cause I couldn’t track it lol These unexpected expenses really get to me when I can’t track them lol

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Seb's FIRE Journey@SparkingFIRENC·8h

So far this week we have spent $120 that we weren’t expecting -$30 because our cat ate our leftover meatloaf so we had to go out for lunch 😅 -$35 bill -$55 in stuff we were asked to pick up for a party Anyone who knows me knows that unexpected expenses like this make me physically tense up Sure, we make plenty to be able to afford it, but my scarcity mindset comes out anytime an unexpected expense comes up I’m doing my best to remember to live in the moment and not let things get to me Slowly and surely I am in fact getting better at spending money “unintentionally” when needed

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Retire to Warmth@Strachota73·8h

@heyrarebot That is MASSIVE! My prediction is .2605, which I admit is a cautious number with upside potential but wow, I would be thrilled if you are right.

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RareBot 💎🤖@heyrarebot·19h

🚨 $schd 1q26 dividend forecast 🚨 my forecast is… 🥁 🧮 $0.2775 💰 this represents: +11.53% vs 1q25 💸 −0.25% vs 4q25 💸 +3.99% vs 25 ytd 💸 the model remains unchanged given strong accuracy across prior quarters. however, 1q carries higher variability. if there’s a miss, it likely lands closer to ~0.26. didn't want to overfit and will continue refining as more 1q data becomes available. ex-date march 25 📅 thank you 🫶 and i hope you like it.💙

RareBot 💎🤖@heyrarebot

🚨 $schd 4q25 dividend forecast 🚨 my forecast is… 🥁 🧮 $0.2646 💰 this represents: +0.04% vs 4q24 💸 +1.61% vs 3q25 💸 +3.99% vs 24 ytd 💸 ex-date december 10 📅 thank you 🫶 and i hope you like it.💙

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Retire to Warmth@Strachota73·8h

@sherryp0124 We have a him hers and ours account. Works for us.

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Sherry@sherryp0124·16h

Married people: Joint or separate bank accounts? I've never had a joint account and never will. I'm my own person!

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Retire to Warmth@Strachota73·10h

@SCHDETF @Lui_Y0 This was the 1 that caught my eye as well. Not sure the remove it.

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SCHD STAN | Craig@SCHDETF·11h

@Lui_Y0 No problem. $KO potentially being removed surprised me too!

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SCHD STAN | Craig@SCHDETF·13h

🚨 My $SCHD Reconstitution Predictions are HERE. $SCHD is about to look very different. Reconstitution is tomorrow (Friday, March 20), when the index resets and reapplies its rules to maintain quality and dividend growth. I ran the numbers, rebuilt the methodology, and estimated the new portfolio. This is my best attempt using available data, not exact. But after digging through everything… Some major shifts are coming. Big names may be out. New ones coming in. Less energy? Fewer staples? Less industrials? More financials? More tech? I’ll walk through the predicted adds, removals, and how it could impact yield, sector allocation, and the top 15 holdings 👇

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Retire to Warmth@Strachota73·12h

@Millionaire_MS_ I started investing in 2001. So I know because I've done it, yes I would buy all the way up and down.

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Mental Wealth Inc@Millionaire_MS_·16h

The markets are looking grim. If we do end up having a lost decade, would you DCA the entire way?

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Retire to Warmth@Strachota73·18h

@DividendBreeder Love it. Wish the dividend increase was higher but still strong.

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The Dividend Breeder@DividendBreeder·19h

$VYM dividend announced! $0.8617/share, payable March 24. This is a 1.4% year-over-year increase from the Q1 $VYM dividend in 2025.

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Retire to Warmth@Strachota73·18h

@DreamDividend Why? Where do you see the market going? Do you think US in general is in financial trouble? What are the alternatives? I'm in the ABB camp, high low danger or not, I'm always buying.

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The Dividend Dream on YouTube@DreamDividend·19h

BREAKING 🚨 I have not been buying the dip.

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Retire to Warmth@Strachota73·1d

@ElijahColeman21 We just saw some go on sale foe .99 per pound. Ended up buying 20 lbs of chicken breast! Would have bought more if we had the freezer space. Store only had 3 cases.

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Elijah 🤲🏽@ElijahColeman21·1d

Almost 30 bucks for some chicken is very egregious work..

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Retire to Warmth@Strachota73·1d

@SparkingFIRENC @Leo_Traydes Same. We highly considered it but want to do a 3 month trial run in like 10 different areas, buying a 2nd home would not allow us to do this plus we would have the headache of maintenance on a second home.

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Seb's FIRE Journey@SparkingFIRENC·1d

@Leo_Traydes It is a good idea, but not for me I don't want to have to go to the same place for the majority of my vacations and also don't want to have to worry about anything happening to a property I'm not need I'd rather just airbnb a place every trip

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Leo@Leo_Traydes·1d

I want to be the owner of two homes A vacation home and actual residence Everyone says renting properties is a nightmare but what about AirBNB? Renting out your vacation home while you’re not there seems like a fantastic idea, no?

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Retire to Warmth@Strachota73·1d

@BoomerDivvies I'm sure he did. For me, I'd rather do other things in life, that i can't really do while obligated to work.

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DividendBoomer@BoomerDivvies·1d

@Strachota73 I’m sure Buffett has enjoyed his time quite a bit 😉

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DividendBoomer@BoomerDivvies·1d

Warren Buffett made 90% of his wealth after he turned 65. Why retire before then? I can’t wait to 10x my net worth as a senior. It’s coming soon.

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Retire to Warmth@Strachota73·1d

@SCHDETF Red days! Guess what I did?

GIF

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SCHD STAN | Craig@SCHDETF·1d

What a day!!! 📉🔴🔥 Market sold off after a hotter than expected PPI print, and things accelerated lower once the Fed started speaking. Pressure across the board. Market Recap: Growth $QQQ: $594.90 (-1.39%) 🔴 $SCHG: $29.94 (-1.33%) 🔴 Market $SPY: $661.61 (-1.37%) 🔴 Dividend Growth $SCHD: $30.57 (-1.24%) 🔴 $DGRO: $69.66 (-1.50%) 🔴 $FDVV: $55.76 (-1.64%) 🔴 $CGDV: $43.15 (-1.62%) 🔴 Dividend / Value $VYM: $147.49 (-1.39%) 🔴 $VTV: $196.76 (-1.29%) 🔴 $SCHD held up relatively well again compared to the broader market, but still a red day across the board. Days like this test discipline… but they’re also where long term positions are built. Did you buy anything on this dip?

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Retire to Warmth@Strachota73·1d

@SCHDaccumulator Ah yes. As simple as putting my 47 million to work. Great idea. Now I need to go research how to make 47 million...BRB

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SCHD Accumulator@SCHDaccumulator·2d

There are multiple ways to generate $10k/week in dividends 😉: ~$47,000,000 of $VOO ~$15,000,000 of $SCHD ~$4,700,000 of $JEPQ ~$1,400,000 of $CHPY

SCHD Accumulator@SCHDaccumulator

There are multiple ways to generate $10k/month in dividends: ~$11,000,000 of $VOO ~$3,528,000 of $SCHD ~$1,100,000 of $JEPQ ~$324,000 of $CHPY

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Retire to Warmth@Strachota73·1d

@DreamDividend

GIF

QME

The Dividend Dream on YouTube@DreamDividend·1d

@Strachota73 That’s a lot of buying!

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The Dividend Dream on YouTube@DreamDividend·1d

BREAKING FED MTG🚨 Interest rates I predicted would rise this year despite X saying there would be a cut this year…. still not cut.

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Retire to Warmth@Strachota73·1d

@Investmentkage Well, you should have learned that as a teenager. If not, there are tons of sites out there that could help you out with this one.

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Kage Invests 影@Investmentkage·2d

Anyone have a tutorial on how to do this?

Kage Invests 影@Investmentkage

A friend of mine just turned 35 make 93K per year. He has: 150k in Roth-IRA 80K taxable account 33K in savings 224K left to pay off his house. Has two twins on the way What would you recommend him do? Just kidding I made this up 🤷‍♂️

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Retire to Warmth@Strachota73·1d

@SCHDaccumulator I'm very cautious so I didn't feel secure until we hit 1 million. I flipped that security into a new position at my company and now make 2-3x what I was getting paid before. It comes with more risk but I got my financial security backing me up.

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SCHD Accumulator@SCHDaccumulator·1d

@Strachota73 Damn I think you’re right! Definitely have more leverage if your portfolio is bigger What was the $ amount for you? $100k or so?

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SCHD Accumulator@SCHDaccumulator·1d

There are 3 main levels to FIRE (financial independence retire early) Level 1/barista FIRE: Enough $ to quit your main job but still work a more relaxed supplementary job (ex. Starbucks barista) Level 2/Lean FIRE: Enough to quit all work but spend/live frugally Level 3/Fat FIRE: Enough to quit all work and essentially live/spend comfortably without running out of money My goal is to hit Level 1/lean FIRE (around 500k for me). I’d quit my 9-5 and do uber or even work at a chill retail store. Eventually my portfolio would grow to level 2 and 3 as the compound growth continues

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Keşfet

@SnellSZN @gottlebee @SparkingFIRENC @heyrarebot @sherryp0124 @SCHDETF @Lui_Y0 @Millionaire_MS_