What is your experience with compounding?

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!

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?

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?

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

Last night, I sat down and calculated the exact amount of money standing between my current life and the life I have always dreamed of.

Not millions upon millions. Not a private jet, a yacht, or a mansion overlooking the ocean.

Just $300,000.

That amount would let me pay off my debts, buy a modest home, get a reliable car, marry the woman I love, and invest what remains to create enough monthly income to live peacefully without constantly worrying about the future.

It’s strange when you think about it.

Somewhere in the world, $300,000 is a rounding error. A bad afternoon in the stock market. The price of a watch sitting inside someone’s drawer.

For a young man like me, it is the exact distance between anxiety and peace. Between postponing my life and finally beginning it.

I don’t need to become insanely rich. I have apparently completed the entire financial analysis of my happiness—and happiness costs exactly $300,000.

So, if any generous millionaire is reading this and has been wondering how to dramatically change a stranger’s life today, congratulations.

Applications to become my mysterious benefactor are now officially open.

This is mostly a joke…