Building Early

22 years old. Been investing for 3 years — stocks, ETFs, and options. Goal is simple: retire early. Documenting the whole journey here — the wins, the losses, and everything in between. If you're on the same path, follow along 📈 #fintwit #buildingearly #FIRE #investing

@FurtureRichKid somewhere in europe. Like see 3 countries in 10 days or something.

@buildingearly That’s cool asf of you bro!!! If you have chase cards I’d try and use the points soon they devalue in early May for Hyatt. Were you thinking of taking her?

I have the urge to get another travel credit card. Which one should I look into?

@WealthCoachMak Spot on

Covered Calls ETFs are not good long term investments Better to own high quality ETFs instead 🔥💰

@Tickertalk1 @cmsinvests I love it! Going in and out of the market was something I learned not to do very early. Long term gains normally beat lots of short term blips Great advice

@buildingearly @cmsinvests Focus on holding a stock for one year — focus on picking growth businesses and don’t go in and out of the market. Stay invested long term and develop a strong stomach. Always have self confidence and only - listen to yourself . And Of course research your stocks

Just entered a $3,000 position in $MU at 18. After doing hours of research, I think Micron has the best risk-reward ratio in the whole AI sector right now. • Forward P/E: 9x (very cheap vs. AI peers at 30x+) • EPS Growth: 600%+ expected in FY2026 • HBM Status: 2026 capacity (HBM3E & HBM4) already sold out under long term contracts • Supply/Demand: Tight supply for years as AI training/inference needs explode • Balance Sheet: Strong with non-AI recovery as buffer $1000 is imminent for $MU

@FurtureRichKid Ugh, didn’t know they did that. I haven’t used any points yet for a trip, that’s coming in the next 12 months and I can’t wait. No idea where I’m gonna go yet, but I’m looking to take my GF somewhere nice since she hasn’t traveled much.

@buildingearly 100% my wife and I have gone on numerous trips all paid for by points!! Its sucks ab Hyatt devaluing their points. We love hyatts

@HighYieldHustle $QQQM and $SCHD with about 70% being $QQQM allows you to capture crazy growth and having exposure to great dividends

Being in your 20’s and full porting $SCHD is one of the worst decisions you can possibly make.

@FurtureRichKid Yeah ofc I love CCs. People don’t utilize them correctly or enough imo

@buildingearly I will have to! Thank you Brodie

@TheLongApe @IndexAndForget Why do you think that?

@IndexAndForget $MSFT

Which company do you think will get replaced out of Mag 7 in the next few years?

@FurtureRichKid Yeah that’s what it seems like. Maybe look into the Amex gold platinum then They offer great rewards

@buildingearly Ahhhh so mainly international… my wife want to do 1 trip a year over seas

Tbh, Idk. I haven’t read that much into this card since I’m a few years away from needing it. This is what Claude said: Honestly, Capital One isn’t great for Delta specifically. Your best bets are Virgin Atlantic Flying Club or Air France/KLM Flying Blue — both transfer 1:1 and can book Delta-operated flights as SkyTeam partners. The easier play though is just using the Venture X ‘purchase eraser’ to redeem miles at 1 cent each against any Delta booking — no transfer partner needed. If you fly Delta a lot, the Venture X probably isn’t the right card for you anyway. Amex Gold or Platinum transfer 1:1 to Delta SkyMiles directly, or a Delta co-brand would be a better fit. Venture X shines more on its travel portal, the $300 annual travel credit, and partners like Aeroplan or Turkish for international premium cabins

@buildingearly That’s big! I’ll have to get it and refer the wife… What transfer partner would I be able to book delta through

@antibearthesis Thanks bro

@buildingearly good luck with it legend

You’re 21. You get two job offers: Option A: Office Job • $60k salary • 40 hrs/week • No overtime • Low stress Option B: Software engineer • $105k salary • 70 hrs/week • High pressure • Mentally demanding You must stay 5 years. Which option do you choose?

@antibearthesis Lol Crazy untapped market Protein drinks, energy drinks, Rice Krispie, protein bars, etc Just gotta get approval from my school

@buildingearly thats what another one of my college freinds is doing lol he is making BANK by having vending maxhines in high schools and padel centres

@FurtureRichKid Yes You essentially get it back in travel credits and tsa pre check

@buildingearly Is this the $395 one??

@antibearthesis Oh yeah it pays so well. Especially if you can get multiple kids in at one session with each parent paying $50 an hour 4 kids has you at $200 an hour

@buildingearly thats really cool haha one of my best friends does the same, making crazy $ per hour

@FurtureRichKid capitalone.com/credit-cards/v… Check out the capital one venture X if you plan on traveling that much. I don’t know if anyone beats these numbers

@buildingearly We travel 3-4 times a year

@antibearthesis Might look into vending machines too I feel like a protein vending machine on my campus would do number

@antibearthesis Individual soccer coaching I’ve got a pretty good soccer resume + parents pay an absurd amount of cash for their kids to get 1 on 1 training I did it a few years ago and was pocketing like $300 a week with only a few clients

@cmsinvests 18 years old is the time to learn and make mistakes! Individual tech stocks imo

Should a 18 year old be owning tech index funds like $QQQ and $SMH or individual tech stocks like $NVDA and $MU?

@nav_dhand Now tell me the bottom for $HOOD so I can buy more 😂

Dec 2025: called $MSFT overvalued at $490. MSFT dropped significantly from there. 30 Mar 2026: called it genuinely attractive at $356. It turned out to be the 52-week low to the cent. Proud of this one. Not everything works this perfectly, but when it does, it's worth marking.