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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...
Yellow corn cake
  06/27/25
Yea, but watch your overhead and reserves. Dipping into it ...
brindle jewess dingle berry
  06/27/25
what
Yellow corn cake
  06/27/25
Do not decide that you’re wealthy now and then start s...
brindle jewess dingle berry
  06/27/25
good point. I think stuff like this gets easier though, a...
Yellow corn cake
  06/27/25
I logged into my brokerage account today for the first time ...
brindle jewess dingle berry
  06/27/25
and how much higher was it than last time?
Yellow corn cake
  06/28/25
Probably +30% in appreciation plus maybe another 10% in new ...
brindle jewess dingle berry
  06/28/25
damn, that's pretty impressive. especially since the market...
Yellow corn cake
  06/28/25
...
Up-to-no-good Menage Milk
  06/28/25
When you poast on XO people pretty much stuff money in your ...
Galvanic onyx water buffalo sneaky criminal
  06/27/25
yes we are clearly all chads here.
Yellow corn cake
  06/27/25
🍑🌊🌊
Big stead masturbator
  06/28/25
Compounding really starts taking off after 3-5 million
Indecent tattoo
  06/28/25
Yes I hit 1m in Nov 2019 And now I have 1.27m and a couple m...
Up-to-no-good Menage Milk
  06/28/25
Easiest way to get to a million investing is to start with $...
Bisexual sandwich
  06/28/25
Hardest for me was the first $100k. Not saying $1M is easy, ...
frisky topaz school cafeteria
  06/28/25
r u a momentum trader or do u algo?
Massive razzle crotch new version
  06/28/25
Neither. My investment strategy is simple and stupid: pay of...
frisky topaz school cafeteria
  06/28/25
that's a nice rate of return over the years for buy and hold...
Massive razzle crotch new version
  06/28/25
I don't time the market; I just buy VTI mechanically when I ...
frisky topaz school cafeteria
  06/28/25
are you a "Boglehead"
transparent mental disorder digit ratio
  06/28/25
There's some overlap, but I don't follow many of their forum...
frisky topaz school cafeteria
  06/28/25
QQQ usually outperforms VTI, but it's more volatile FYI
transparent mental disorder digit ratio
  06/28/25
I've looked into this. The extra volatility risk and relativ...
frisky topaz school cafeteria
  06/28/25
You also don’t check your portfolio everyday and obses...
Bisexual sandwich
  06/28/25
I have to admit I was obsessive about it for about the first...
frisky topaz school cafeteria
  06/28/25
who needs more than a million dollars
Big stead masturbator
  06/28/25


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Reply Favorite

Date: June 27th, 2025 11:40 PM
Author: Yellow corn cake

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: brindle jewess dingle berry

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)



Reply Favorite

Date: June 27th, 2025 11:45 PM
Author: Yellow corn cake

what

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



Reply Favorite

Date: June 27th, 2025 11:50 PM
Author: brindle jewess dingle berry

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)



Reply Favorite

Date: June 27th, 2025 11:57 PM
Author: Yellow corn cake

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)



Reply Favorite

Date: June 27th, 2025 11:59 PM
Author: brindle jewess dingle berry

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: Yellow corn cake

and how much higher was it than last time?

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



Reply Favorite

Date: June 28th, 2025 12:17 AM
Author: brindle jewess dingle berry

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)



Reply Favorite

Date: June 28th, 2025 12:36 AM
Author: Yellow corn cake

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)



Reply Favorite

Date: June 28th, 2025 7:25 AM
Author: Up-to-no-good Menage Milk



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



Reply Favorite

Date: June 27th, 2025 11:52 PM
Author: Galvanic onyx water buffalo sneaky criminal

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)



Reply Favorite

Date: June 27th, 2025 11:57 PM
Author: Yellow corn cake

yes we are clearly all chads here.

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



Reply Favorite

Date: June 28th, 2025 6:36 AM
Author: Big stead masturbator

🍑🌊🌊

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



Reply Favorite

Date: June 28th, 2025 7:20 AM
Author: Indecent tattoo

Compounding really starts taking off after 3-5 million

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



Reply Favorite

Date: June 28th, 2025 7:25 AM
Author: Up-to-no-good Menage Milk

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: Bisexual sandwich

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: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 7:51 AM
Author: Massive razzle crotch new version

r u a momentum trader or do u algo?

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



Reply Favorite

Date: June 28th, 2025 7:54 AM
Author: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 7:57 AM
Author: Massive razzle crotch new version

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)



Reply Favorite

Date: June 28th, 2025 8:03 AM
Author: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 8:04 AM
Author: transparent mental disorder digit ratio

are you a "Boglehead"

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



Reply Favorite

Date: June 28th, 2025 8:10 AM
Author: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 8:15 AM
Author: transparent mental disorder digit ratio

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

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



Reply Favorite

Date: June 28th, 2025 8:22 AM
Author: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 8:17 AM
Author: Bisexual sandwich

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)



Reply Favorite

Date: June 28th, 2025 8:27 AM
Author: frisky topaz school cafeteria

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)



Reply Favorite

Date: June 28th, 2025 7:58 AM
Author: Big stead masturbator

who needs more

than a million

dollars

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