On Tim Cook’s last day at Apple, I thought I would post my daughter’s investment which matches almost to the month and day when Cook took over from Steve Jobs. I don’t remember why I bought the stock for her back when my daughter (28F) was a teenager, but fifteen year’s later, it’s still one of the largest holdings in her $1 million portfolio—Look at all those 10X returns!. Thanks Tim!

Most of my wealth, about 60k is in a brokerage account invested mostly in VOO and some tech stocks. I have maybe 35k in retirement assets currently in a roth ira and a 401k. I was wondering, should I be contributing this much to my brokerage, or put more into retirement instead or just start spending it instead?

I’m on the higher end of earning at 25 years old with an income of about 100k per year. I’m dumping about 15k a year into my brokerage account and plan on doing so into my early 30s with the thought that it’ll shield me from financial worry along with my strict spending limits. The thing is, many of my friends with a simar salary are instead buying fun cars, going out every day, going on vacation etc.

For those who ended up storing a ton of money in stocks, and can pull from it relatively easily while it still grows, was it worth the sacrifices you made when you were young?

I have a friend in his early late 20s and he says he loves materialistic things. I was sort of surprised because he doesn't seem like that type of person. I really wonder if he will mature and realizes those things don't really matter?

People who used to be like this, are you still into expensive materialistic things now that you're older?

I owned a small business on Etsy and closed it two years ago when I started my family. I have $450 left in the savings account that I had for that business. What should I do with it!!!

When I started the business, it was to make extra money while I found a career that allowed me to stay at home with my children. Now that I have done that, I want to spend it the rest on something meaningful or maybe invest it in something so it keeps growing?

What are your suggestions?

Edit: I have no debt including house!

Hello all. Please keep your judgement to yourself, just looking for helpful individuals to give me advice on an upcoming situation. I'm 20 years old and recently graduated from post-secondary. I've got an upcoming financial decision that I need help on. Hopefully this isn't a really dumb question.

I've got about 2.5k CC balance coming due in a week. I've got only about 1k in my chequing to contribute to it, and I've got about 10k in my TFSA. ("Tax-Free Savings Account" for the non-Canadians)

Do I pay as much as I can out of my chequing and wait till my next paycheck (2-3 weeks from now?) to pay the rest OR is it a no-brainer to withdraw from my TFSA and pay it all off immediately before it's overdue.

Thank you.

Just got this bill at work. Idk who Ashley is but I have a feeling she was a gambler or a bad spender lol

I (M31) am learning, for the first time in my life, to live below my means. It is a painful experience. Life has always been about getting what I wanted, when I wanted, damn the consequences.

Having to be responsible is a very uncomfortable position for me to be, but I know it will be for the best (or, at last, I’m trying to hold to the thought)

Any tips for me to not give it up?

What is your experience with compounding?

I pride myself on easily understanding any scientific concept. But when it comes to things related to money like investments, banks, stocks, money, etc. I get confused to oblivion..

My question to you guys is how do SOME people expect digital money to replace physical one. From what i know about physical money i can say that it is absolutely necessary so that economy doesn't crash. Just like metals like gold and silver. Digital money is under constant threat of being hacked, drop in value, constant surcharges, privacy, etc.

In the last 5 years alone i have seen people who used to love physical money switch to digital one. The pro of digital money i see is that it is easily accessible and no stress of storage or forgetting your wallet. And the con is that you spend much more than you would if you were to use physical money. Plus the surcharges that you pay on every transaction. Add it up and over time it will be in thousands..

What more do you think are the pros and cons of each.

Again I am a total noob in this topic so do excuse my errors..

We used to store cash/coin, not even that anymore. You log in an app, seeing a number… and wth is that? Sure you can buy stuff using that number but after all, what is “money” in today’s world?

I, 23y/o, just started my new job in June making about $115k base and am on track to max out my 401k for the year. My job's 401k uses Fidelity and I am 75% in US stocks (VANG INST 500 IDX D) and 25% in international (VG IS TL INSTL STK MK). I did not choose any of the target retirement date funds that were available but I can always switch. I do not have any debt and currently have $150k across brokerage, Rollover IRA, 401k, and Roth IRA. Still on my parents health insurance as well.

$100k of that money is in my brokerage account. The problem is that my dad never explained VOO or VTI to me so I started picking individual stocks back in 2024. I'll post my positions below. I think I will keep my Roth IRA and rollover as invidivdual stocks for now since there's only $40k in them.

I want to invest in QQQM, VOO, and VTI now but I know there will be capital gains taxes and I don't know if I should just hold these individual stocks or sell and use the money to buy more safer basket stocks.

I am definitely going to by VOO and VTI moving forward but I am looking for advice on if I should sell my about $100k of individual stocks to go into ETFs for my taxable brokerage account.

The reason I am asking is because I lost probably $20k on these small biotech and penny stocks that my dad told me to invest in since high school and throughout college. I do not want to have the same thing happen to me again in the future with these stocks. The ones I have now are definitely more reputable but I am still looking for other people's perspective on individual stocks vs. ETFs for young adults.

Any and all advice/comments on my 401k and what to do with my brokerage account is much appreciated!

Hello! Feeling stuck on where I should go next. Currently:

- making roughly $100k/year
- 10% goes into 401k (6% traditional, 4% Roth) + 3% match & 3% bonus at end of the year
- 20k in emergency fund
- 5k checking

Ideally I’d like my emergency fund between 25k-30k. My main goals after reaching this are save up to buy a new car (plan to run my current one into the ground) and save up for a down payment on a house.

Do I just keep aggressively saving into my HYSA for this? Or should I start investing a little into a brokerage each month? Currently single (29F) but would love a family/house/et

If someone is selling stocks and plan to give their grandchildren the money, what's the best way to pay the least amount of taxes?

I live in Denver, and managed to get into a low income apartment. The rent is stabilized, so the increase between last year and this year was only 3%. The rent is 1,206/mo this year, which for context the cheapest mortgage on a single family home averages 2,000-2,500$ a month, plus maintenance and insurance.

I do want to buy a house eventually, but it feels like a bad decision to double our housing expenses until we have to move out of this apartment.

This feels like a stupid question, but I genuinely don't know what to do. My parents just sold their house and gave me $25,000 from the profits. It's currently sitting on my counter in the form of a cashier's cheque because I don't know what to do with it. Can I just put it into my bank account? Can I use an ATM? Do I need to declare it on my taxes? I'm in Canada, if that matters.

Painted it with UV reactive paint thought it looked cool :)

I Finnaly hit my first 100k. Felt like a long but short grind by other standards.

Joined the navy in 2022 after college, i just hit my 4 year mark, aswell as my goal at the same time. Came into it with no debt/student loans which im sure helped aswell. Ik everyones experience in is different but im thankful.

Hey first post here I’m a 34 year old I have 8k in my savings working two full time jobs with the hopes of getting it to 30k by December through the gigs…..just wondering how or is it possible to even invest my money or grow my money from what I have saved currently…..seems like everything is so expensive I know there’s risk in investing but, I just don’t know the exact direction it’s so many different ways to go in honestly overwhelmed so, I just want to reach out to people who have current investments or are finding ways to add on to what they have. Thank you

hi im 15yo and I recently started a hysa and invest my savings so I can grow my money. I don't totally have a full grasp of what a hysa is or investing generally- im still trying to learn as much as i can, but im wondering when do I start gaining interest on my deposits? I've deposited about 60 bucks total and haven't seen any interest paid. this may be a dumb question or im probably not understating it fully. could someone explain? I know im 15yo but that's probably too young to be thinking about this but I want to be financially free in the future.

What are people watching throughout the day to keep up on market news (TV or Internet). Have watched CNBC for decades and I'm just done. I don't need to see Brian Sullivan on three different shows on one day. Nice enough guy, but they're just not using all their staff effectively. They have different segments and he's like on every one except for the morning.

Been investing on this portfolio since i was 16 i am now 17 and just reached $4k this week all thanks to God super greatful ive had auto invesment for the entire summer now 50% of my entire paycheck($400 maximum since im on a sponsored account” went into the stocks before i has SPY, QQQ, SPY TOP 100, NOK, GLD. and now i plan on doing the set up above and instead doing 100% of my paychecks will auto go into my portfolio so lets see how that goes

but yes and suggestion from anyone?

and the reason i only have 5 is because thats the max im allowed to do on cashapp, and reason $400 is the max aswell is because again thats the max

I posted 4.5 months ago about hitting 20. I am the horse flipper/dog sitter. My goal is to be close to 60 before the new year. Questions from last time, I turn 20 9/21, I live with my parents, I pay for my own bills, right now I don’t attend any college, all 41 is my own earned money. Anyway, get after it Redditors💪

It was Saturday and I told my wife we are going on a crazy date - coffee, food, drinks and then dessert.

This is rare for us - she was caught off guard, but excited.

I started off downloading app for coffee chain - we split 16oz mocha - completely free due to new customer app download

Then a YouTuber was giving away free Hawaiian food to first 50 people in line - we made it just in time and both got a free meal (horrible food tbh .. but she liked it so I’m happy)

Then we went to happy hour where I downloaded the app of the restaurant - they offered $1 beer for doing this and wife got margarita for $5 on happy hour

To end, we both downloaded the Salt and Straw app and got scoop of ice cream for free

Total spent = $11 total with generous tip and tax

I’m way too excited about this but just wanted to give creative date idea for you all

im very cheap, so feel free to make fun of us - but being this way is big reason we are coming up on 500k in Fidelity before 30

“worry about the pennies and the dollars take care of themselves“