u/Dear-Performance-394

I made a brokerage account with Fidelity a few months ago. I already have a maxed Roth elsewhere so I’m more focused on personal investing here. I chose VTI/VXUS at around a 75/25 split cause that’s just what I’ve seen to be viewed as a smart and safe portfolio. But I always read stuff about other ETFs that may be good to add or even replace the VTI/VXUS thing, and I’m not really sure what’s best. First of all, what I hear about more often than VTI is VOO. In fact a lot more often. “VOO and chill.” From my knowledge, VOO and VTI should be pretty similar, but hearing VOO more has made me wonder if it’s better in any way.

But then there’s also stuff like QQQ for tech growth specifically, or other things like VUG or VOOG as alternatives to common ones like VOO/VTI? In addition, I’ve also read that since I’m on Fidelity, I shouldn’t have even bought VTI/VXUS cause Fidelity has its own index fund called FXAIX, and idk if that makes a huge difference or if it’s negligible and I can just investing in vanguard ETFs on Fidelity.

It’s all so confusing to me. Right now I have $18k invested on Fidelity split 75/25 in VTI/VXUS. Right now I’m investing maxing as much as I can, about $3k a month going forward at least for the next year. So I just want to learn more about what things I should I start adding to the portfolio or what I should change. I’m 24 if that matters

I’m a 24 year old guy. I have only recently started get into the dating world again since my gf passed about 3 years ago. I’ve been trying to so hard to find someone I can spend my life with who also doesn’t want kids. I see so many videos on apps like tiktok where it’s girls will post about their child free or life or like “my top 5 worst nightmares:” and all 5 involve having a kid. Usually the comments are angry guys cause they want family values, but I’m like goddamn, you are my dream girl. I feel the exact same way, a kid would literally ruin my life, and I don’t even to go through the actual pregnancy/birth. I wanna travel, have fun, do hobbies with a life partner without the headache of kids. Yet in real life, every girl I come across wants kids, and soon, since now the girls I interact with are like 23-27. Whether its dating apps showing they want kids or the subject of future plans with kids eventually comes up, I cannot seem to find a woman as anti child as me. You might think im in the Bible Belt in the middle of nowhere with churches every 2 miles, but nope, i moved to Minneapolis a few years ago, and even here its like everybody is the exact opposite of what we’re looking for.

24 years old, a few months ago got my first real job. Had a rough start after college, couldn’t get a job and even went to jail for awhile. But now I’m making about $4500 a month after taxes. My Roth has $24k and is maxed out for 2026, my HYSA has $20k and my brokerage at Fidelity has $18k invested in VTI/VXUS. I’m still living with my dad again, although I’ve wanted my own place for awhile. I’m starting to think I should just stay home while I can and save, especially cause I have basically zero hope that my future is gonna get any better. At this point I’m not sure how much would be smart each month to put into the HYSA, the brokerage, and fun money. I still wanna live a bit and enjoy my money, but I wanna make sure I take advantage of investing a good chunk a month while I can. I just don’t know what’s considered a good amount, and what I can reasonably justify as “fun” money

Almost 2 weeks of missing finasteride doses cause UPS sucks ass at delivery. This is the first time ive ever had a package taken almost a month and counting to arrive. Anyways my hairline is cooked and im worried about it getting worse, and since i have no faith im getting my next refill anytime soon, im wondering if theres anyway to somehow use my "prescription" with Roman and could walk into a pharmacy or something? Idk if pharmacies even carry it. Ive heard around 2 weeks is when it starts losing its effect.

UPS is fucking me over, I’m currently on day 13 of no finasteride and my order has taken 34 days and counting to deliver. The expected delivery keeps getting pushed back. It’s never taken more than 7 days so I thought 20 doses was good enough as a safeguard until my next delivery, guess not. Idk where else to get finasteride quick

For context, I made a new account on Fidelity specifically for a separate place to attempt to do some swing trading. A week later I hid the account cause I was gonna try swing trading on another platform. Now today I got interest from SPAXX and that seperate swing trading account reappeared on Fidelity. I realized th other platform isn’t much better for my purposes so I was just gonna go ahead and try swing trading on Fidelity since that account reappeared. But I can’t transfer money into that account now, it’s disappeared from everything except on the main dashboard. I tried searching how to fix this, all I got was solutions from 3 years ago that don’t work anymore cause there’s no “customize” button on the app or the browser version. There’s still an option to close account so I don’t think I closed it previously. Do I just have to make another account at this point? I can’t even take the $4.56 out of the account cause this account doesn’t appear on the place where you trade/transfer

Currently haven’t taken my usual finasteride dose in 5 days due to the fact that my next refill still hasn’t arrived after ordering 22 days ago. Idk if I should be thinking about trying to get finasteride elsewhere in the meantime or if going 7-12 days or so without finasteride isn’t too bad. I’m 24 years old with an extremely bad hairline if that matters