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getting to your first million in investing is by far the hardest, right?

once you hit 1 million the money starts compounding pretty w...
pontificating aquamarine box office
  06/27/25
Yea, but watch your overhead and reserves. Dipping into it ...
Erotic vibrant nowag
  06/27/25
what
pontificating aquamarine box office
  06/27/25
Do not decide that you’re wealthy now and then start s...
Erotic vibrant nowag
  06/27/25
good point. I think stuff like this gets easier though, a...
pontificating aquamarine box office
  06/27/25
I logged into my brokerage account today for the first time ...
Erotic vibrant nowag
  06/27/25
and how much higher was it than last time?
pontificating aquamarine box office
  06/28/25
Probably +30% in appreciation plus maybe another 10% in new ...
Erotic vibrant nowag
  06/28/25
damn, that's pretty impressive. especially since the market...
pontificating aquamarine box office
  06/28/25
...
mind-boggling den cuckoldry
  06/28/25
When you poast on XO people pretty much stuff money in your ...
Federal people who are hurt
  06/27/25
yes we are clearly all chads here.
pontificating aquamarine box office
  06/27/25
🍑🌊🌊
aqua goal in life pit
  06/28/25
Compounding really starts taking off after 3-5 million
chocolate trip crotch spot
  06/28/25
Yes I hit 1m in Nov 2019 And now I have 1.27m and a couple m...
mind-boggling den cuckoldry
  06/28/25
Easiest way to get to a million investing is to start with $...
demanding deranged feces forum
  06/28/25
Hardest for me was the first $100k. Not saying $1M is easy, ...
cocky indecent casino
  06/28/25
r u a momentum trader or do u algo?
Lilac beady-eyed cruise ship
  06/28/25
Neither. My investment strategy is simple and stupid: pay of...
cocky indecent casino
  06/28/25
that's a nice rate of return over the years for buy and hold...
Lilac beady-eyed cruise ship
  06/28/25
I don't time the market; I just buy VTI mechanically when I ...
cocky indecent casino
  06/28/25
are you a "Boglehead"
Cheese-eating roommate rigpig
  06/28/25
There's some overlap, but I don't follow many of their forum...
cocky indecent casino
  06/28/25
QQQ usually outperforms VTI, but it's more volatile FYI
Cheese-eating roommate rigpig
  06/28/25
I've looked into this. The extra volatility risk and relativ...
cocky indecent casino
  06/28/25
You also don’t check your portfolio everyday and obses...
demanding deranged feces forum
  06/28/25
I have to admit I was obsessive about it for about the first...
cocky indecent casino
  06/28/25
who needs more than a million dollars
aqua goal in life pit
  06/28/25


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Date: June 27th, 2025 11:40 PM
Author: pontificating aquamarine box office

once you hit 1 million the money starts compounding pretty well and you are less stressed about how your portfolio is doing so you just let it do and don't do stupid stuff like move it around when the market flutters. thoughts? experiences?

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055467)



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Date: June 27th, 2025 11:43 PM
Author: Erotic vibrant nowag

Yea, but watch your overhead and reserves. Dipping into it will really set you back.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055472)



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Date: June 27th, 2025 11:45 PM
Author: pontificating aquamarine box office

what

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055476)



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Date: June 27th, 2025 11:50 PM
Author: Erotic vibrant nowag

Do not decide that you’re wealthy now and then start spending too much. And don’t fail to maintain cash reserves for normal life events. Don’t dip into that brokerage account.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055485)



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Date: June 27th, 2025 11:57 PM
Author: pontificating aquamarine box office

good point.

I think stuff like this gets easier though, as you get to that million. you feel less pressure to "over" save... so you maintain a healthy reserve and never need to touch it. basically ur at the point where you can completely forget you have the million in the bank and let it compound.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055500)



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Date: June 27th, 2025 11:59 PM
Author: Erotic vibrant nowag

I logged into my brokerage account today for the first time in over a year to check my 401K balance for that other thread. My bank lets me yeet money over and into an ETF with a single click, which I do every month or two when the reserve cash drifts above what I think is needed.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055503)



Reply Favorite

Date: June 28th, 2025 12:09 AM
Author: pontificating aquamarine box office

and how much higher was it than last time?

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055513)



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Date: June 28th, 2025 12:17 AM
Author: Erotic vibrant nowag

Probably +30% in appreciation plus maybe another 10% in new cash flow I’d put in. The last time I checked it was in November 2023 when I did some tax loss harvesting.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055519)



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Date: June 28th, 2025 12:36 AM
Author: pontificating aquamarine box office

damn, that's pretty impressive. especially since the market is barely up this year.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055534)



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Date: June 28th, 2025 7:25 AM
Author: mind-boggling den cuckoldry



(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055709)



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Date: June 27th, 2025 11:52 PM
Author: Federal people who are hurt

When you poast on XO people pretty much stuff money in your pockets.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055490)



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Date: June 27th, 2025 11:57 PM
Author: pontificating aquamarine box office

yes we are clearly all chads here.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055501)



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Date: June 28th, 2025 6:36 AM
Author: aqua goal in life pit

🍑🌊🌊

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055672)



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Date: June 28th, 2025 7:20 AM
Author: chocolate trip crotch spot

Compounding really starts taking off after 3-5 million

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055706)



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Date: June 28th, 2025 7:25 AM
Author: mind-boggling den cuckoldry

Yes I hit 1m in Nov 2019 And now I have 1.27m and a couple months ago I was at 900k, massive compounding but I'm an investermasterman so results may vary

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055708)



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Date: June 28th, 2025 7:45 AM
Author: demanding deranged feces forum

Easiest way to get to a million investing is to start with $2million.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055728)



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Date: June 28th, 2025 7:49 AM
Author: cocky indecent casino

Hardest for me was the first $100k. Not saying $1M is easy, but cutting back on expenses and making lifestyle adjustments was hard as fuck because I used to spend nearly everything I made. $200k was a challenge, but by then I was mostly adjusted to lifestyle changes I made to save more. Once I hit $300k, I started to like saving because that growing financial cushion meant I wasn't as tied to my job. Currently I'm a little over $700k. $1M will be a huge milestone obviously, but I still think it was a much rougher path to the first $100k.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055739)



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Date: June 28th, 2025 7:51 AM
Author: Lilac beady-eyed cruise ship

r u a momentum trader or do u algo?

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055745)



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Date: June 28th, 2025 7:54 AM
Author: cocky indecent casino

Neither. My investment strategy is simple and stupid: pay off all bills with each paycheck, and put the rest in VTI. I don't really check the markets unless I'm bored, or there's some news, etc.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055748)



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Date: June 28th, 2025 7:57 AM
Author: Lilac beady-eyed cruise ship

that's a nice rate of return over the years for buy and hold-- maybe u are reading the right newsletters to time the market for huge allocations

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055752)



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Date: June 28th, 2025 8:03 AM
Author: cocky indecent casino

I don't time the market; I just buy VTI mechanically when I get paid regardless of where the market is. But I have to admit that I did get lucky when I started buying VTI, because that coincided with a somewhat significant dip that recovered slowly.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055760)



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Date: June 28th, 2025 8:04 AM
Author: Cheese-eating roommate rigpig

are you a "Boglehead"

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055764)



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Date: June 28th, 2025 8:10 AM
Author: cocky indecent casino

There's some overlap, but I don't follow many of their forum/wiki suggestions because I think they're way too conservative with bonds, and I don't expect international markets to outperform VTI (at least, during my lifetime).

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055772)



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Date: June 28th, 2025 8:15 AM
Author: Cheese-eating roommate rigpig

QQQ usually outperforms VTI, but it's more volatile FYI

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055776)



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Date: June 28th, 2025 8:22 AM
Author: cocky indecent casino

I've looked into this. The extra volatility risk and relative lack of diversity compared to VTI is why I just keep it simple and stupid with 100% VTI.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055788)



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Date: June 28th, 2025 8:17 AM
Author: demanding deranged feces forum

You also don’t check your portfolio everyday and obsess over it like a Boglehead.

If you can handle the volatility by not looking at your portfolio there’s really no role for bonds at least while you’re still working.

I disagree on international exposure, but you could get that by buying VT instead of VTI.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055782)



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Date: June 28th, 2025 8:27 AM
Author: cocky indecent casino

I have to admit I was obsessive about it for about the first year. But these days, I rarely check the markets outside of payday.

I don't even think about the volatility anymore. I'm holding this for the long-term, so fluctuations from last year won't matter a decade from now.

What's your reasoning on international exposure? I view it this way: the only comparable international markets are Europe, which is far less pro-business than the US, and parts of Asia, which are more corrupt apart from Japan and South Korea, which are small markets. The US is the global business leader, and that's unlikely to change anytime soon. I could be wrong, though.

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055791)



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Date: June 28th, 2025 7:58 AM
Author: aqua goal in life pit

who needs more

than a million

dollars

(http://www.autoadmit.com/thread.php?thread_id=5744004&forum_id=2...id.#49055753)