u/Intelligent_Bid2747

As the title states. Do you think holding something like VGT is likely to outperform the S and P 500 long term?

The fact that tech has become so ingrained in our lives. People are addicted to it and depend on it. Idk if you could even call it a sector at this point. Every other sector that advances is more than likely going to have some sort of tech involved in that advancement.

I’m young and thinking 50% VOO 50% VGT isn’t a bad play for my Roth.

I want to start a YouTube channel but am not the most tech savvy person. I really wouldn’t know the first thing about making videos. I’ve researched a bit and it looks like chat gpt, elevenlabs, CapCut would be a good place to get started to learn? I’d just want it to be a faceless high quality info channel I guess? Finance is my passion.

For my niche it would basically be a “make money from your laptop” channel. If I look for content based around that it’s all BS stuff that doesn’t work. I have actually made $1000+ a month through a few ways for the past few years and really think I could put out some amazing info that’s actually practical which doesn’t seem to really exist in that niche. All the videos are clickbait. I could also branch out to other areas of finance.

I guess I’m posting this just looking for input on if this is something worth jumping into and if anyone has advice for someone who is a complete beginner and is willing to put a few hours a day into creating content and posting. Thank you

Starting to take personal finance more seriously and wanted to check what people thought of my allocations. I basically have 50% VOO 50% VGT. I plan to keep maxing until I’m very old. Thoughts?

This really sucks. I’ve done so many of these before they stopped and probably made over $1500. They just released a new batch. Tried multiple headphones, over 20 tries, can’t pass the audio quality test.

I screwed around for most of my 20s and didn’t really save anything. About a year ago I had sort of an “awakening” lol. I started maxing my Roth and saving and prioritizing finance over really anything. As of now I’ve got 20k in HYSA because I probably will need that money. A paid off beater Honda, and 12k in the Roth. This is all in about a year from nothing. I want to have a somewhat “wealthy” future. I make $4000/month after tax and I now have a side hustle where I make anywhere between an extra $600-1000/month on average.

I live in a very LCOL area and my rent is $895/month. Any hope for me or things I should be doing other than what I already am? I get kinda bummed when I see posts of guys much younger that have 100k invested already and feel so behind.

I am not an employee anywhere. I have around $10,000 I average a year doing online stuff. Could be considered similar to someone who makes money doing DoorDash. I do this specifically to keep maxing my Roth.

My Roth should be maxed for the year soon here. So I should be able to open a SEP and for the business just put my full name? And I could contribute $2000 there for the year as the max is 20% of income.

I just want to make sure I fully understand and am not making any mistakes. Thank you

I pretty much do things by the book. I wanted to ask a question here that keeps pestering me. So obviously trying to time the market is a terrible idea and you’ll lose doing it. I’ve always just DCAd and not paid attention to anything else.

I’ve made almost 30% this year in my Roth. 10% in the last month. This obviously won’t continue at the same rate. Would it be a terrible idea to pause the DCA and instead DCA into short term treasury bonds and wait for a downturn of say 5% from where we’re at and then start DCAing back into the market again? Explain why this is a good or bad idea please.

Been maxing the Roth for a few years and literally just do 50% VOO 50% VGT. I feel like this is a pretty safe play and if I hold for the next 30-40 years I’ll be solid. I like the tech because I feel like it’s not really even a sector anymore. It’s integrated into all other sectors and will continue to be more so. So I’m ok going 50% VGT taking on more risk for the chance of a higher return at retirement.

Is this all ok? Or do I go full boglehead