Looks fine. Just make sure you follow through and do it consistently. Too many people procrastinate about investing or they keep worrying that the market is going to crash, so they end up not investing at all and missing out.
Almost half of S&P 500 revenue is derived from outside of US. International allocation anywhere between 0-30% is appropriate. That said, my own portfolio has 30% international.
You can buy, you will locked on that price but if you have to sell or xfer you have to wait
I learned that hard way. Go with credit card, you will see coin instantly and you can immediately transfer coin to other exchange if you want to buy other coin
Grinding slowly to $2M NW now. Financially independent? I spend maybe $20-25k/yr tops so you can say I am financially independent since my portfolio is about 45x of yearly expenses. But, really I want to gun for $3M to replace rph income (even if I don't spend that much) then maybe FIRE.
Following in your footsteps, though I'm not trying to be that frugal. Didn't realize you used to be into individual stocks lol. Are you completely in index funds now?
Yeah I would pretty much echo what the poster above said. Pay off all your loans first. I learnt that there is incredible power in focusing on doing one thing at a time. If you try to do too many things, you will lose motivation and probably procrastinate so they will never get paid off.
Yes I do my company's ESPP. Sometimes you hit the jackpot... and there are probably just as many times that you get hosed. Just like all individual stocks, there is a lot of volatility. It could easily go down more than your 15% discount, sometimes losing 50% for example if you lose a big contract or your profits are declining. So I would only do it after you have maxed out your retirement accounts, and paid off all your loans, so that you are not dependent on this money and can sit on the stock and wait if it goes down.
That all depends on how well my lithium index does over the next three years.
Why eight figures? What would that be like 2.5k to 3k a month with the ridiculous down payment? I made that off dividends alone.
Maybe I'm just conservative. I felt like I was spending too much when I bought a $16,500 car a few weeks ago.
What phone? I'm using a Moto G5 that I bought last year for about $200 and it's great. I think I'm a firm supporter of budget phones these days.
Essential phone is a 2017 android flagship phone with snapdragon 835, specs similar to note 8, oneplus 5. It's a good deal, they always have the installment deal with no contract if you pay it off a couple times in a yr. If you luck out and manage to catch them on slickdeals. Last time, it was LG G5 and G6 for $120.
Will upgrade in 2 yrs, I'm loving my extended battery, they seem to do away with removable back plate and no headphone jack. The most you can add to extend your battery is a crappy battery case types. Once your battery goes to sh1t in 1 yr of heavy use, the phone is dead.
sure.
