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SolidusX 3 years, 2 months ago.
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Hey brothers as some of you may now I make my money by investing (stocks etc) and I have seen through these forums that there are some brothers who may need help with money or some good advice on how to make it work for you. Money is not a hard thing to understand if you understand how your own psychology works and how your spending habits shape your future. Anywho here is my step by step list on how to turn your financial low into a high.
1. Know thyself
This is singly the most important step to understand and do as it will shape your decision making and thought process. For this step you need to find out where your money is going. First I would get Microsoft Excel as the best choice or simply open a word document and write down for the past year everything you spent money on per month and it’s costs. Categorize it like house upkeep (internet, power, repairs etc), food, clothes, entertainment, fees, etc. This is a critical step to understand your current lay of the land so you can reshape it for the better. You may shock yourself to see that all those $5 coffees add up very fast.2. If it Jiggles it’s Fat
Now it is time for a dose of reality, as you comb through all your spending month by month do you see a trend at all? Eating out a lot? Spending loads of money on fees and interest rates? Did you really need that $100 shirt? you need to trim the fat on what you spend money on and the best way to do this is recognize 2 things: 1 The item you are wanting can it be obtained cheaper or for free? For example if you are wanting some new clothes is your first choice to go to the mall, why no to a thrift store instead? I shop there all the time and often find clothes in excellent condition 90% cheaper than their original price saving me loads of money. 2 Is it a need or want… This is a very hard frame of mind to get around… when you got a stack of cash burning a hole in your pocket and you are looking at the nice electronic gadget you have to say to yourself DO I REALLY NEED THIS. More often than not you do not and a few days later the satisfaction really comes in to know you still have that cash and not another hunk of junk you will get tired of. Lastly is bad habbits, are you a smoker or drug user? Cut that s~~~ out, you are not only paying to kill yourself but you hurt the people around you as well. Do some simple math to help you quit, if you spend 10 bucks a pack for cigs as an example how many packs do you chew through in a month? A Year? See how much money you waste on bulls~~~ addictions.3. The dreaded B word
Budgets! Ugh I hate them but they are your financial life blood! A budget is basically a set of rules you will apply to yourself in terms of where and how you will spend your money. If you decide to follow nothing else but 1 thing make sure to follow your budget. With your budget you need to lay out what your static costs are like food, rent, power, savings, and lastly contingency money. Then stick to this budget no matter what, yeah it will be hard but you will see that it does work.4. Don’t give money free rent
This step basically means force your money to work for you and make you more money. This includes investing your money in dividend paying stocks or mutual funds, real estate, or something that gives you interest on your money. You should always be paying yourself first before anyone else and that does mean bills (side note you should be paying your bills on time though to avoid more charges). Lastly when you are paying yourself research has shown that 20% of anything you make net should go directly to investing and another 5% should go to a slush fund (an account with straight cash). 25% may seem like a lot especially if you do not make much on the long road you will be thankful you did.4 steps that’s it, the hardest part is getting over your own mind and upping your will power. This is not a short game kind of play this is a many years working at it play and if you stick it out you will make it with a large side of $. If you mind the pennies the dollars will follow! Hope that helps brothers!
Knowledge is power..... Don't waste your brain on bullshit
Anonymous42If I pucker my ass any tighter I’m liable to cause an event horizon!
Anonymous0Gold is up 13% usd this year. Even more cad.
An investment (mutuals are as almost negative interest rate after you factor in inflation) to beat that would be too high risk for me.
Also, one has to keep this in mind; if you lare on the wrong side of a trade, can you recover. Stop/loss notwithstanding.Gold is up 13% usd this year. Even more cad.
An investment (mutuals are as almost negative interest rate after you factor in inflation) to beat that would be too high risk for me.
Also, one has to keep this in mind; if you lare on the wrong side of a trade, can you recover. Stop/loss notwithstanding.Gold is a very good investment as well as silver, the reason for this as it is the only currency to survive 1000’s of years of human history. Fiat currency which is what is normally used for many 100’s of years all eventually drops zero unlike gold and silver.
There is always recovery options one of which is to stay diversified and keep stop loss tight. There are never any for sure things in whatever investing you do but the more educated you get about money the better you are off mitigating risk and making money.
Knowledge is power..... Don't waste your brain on bullshit
First I would get Microsoft Excel
Be cheap man…download open office for free!
Just a little fun thing I do with my spread sheet I keep…I track my dividends every quarter. The way I see it is if I just say “I need to save a million dollars to retire early” it simply seems like an impossible goal to get to a million a few thousand at a time and doesn’t feel like you ever make progress.
When I track dividends though…its noticeable gains every quarter. I consistently add to my 401k, I invest money in my post tax account, and ideally companies raise dividends over time as well. It also gives me smaller goals to hit along the way…like when I was making 150 a quarter, that was enough to perpetually pay for my internet connection. When I was making 300 a quarter, that was enough to perpetually pay for my internet and cell phone. 600 a quarter meant my internet, cell phone, and electric bill was paid by passive income. I’m always motivated to save more because the next goal is never more than a couple quarters away!
Anonymous0Just another point to add:
Much depends on what part of your life your in. For instance, when I was younger, I had recovery time. Especially after the divorce. Now that I am retired, it would be unwise to trust any woman in any kind of relationship and investments need only be safe enough and pay me for the 25 to 30 years.Just another point to add:
Much depends on what part of your life your in. For instance, when I was younger, I had recovery time. Especially after the divorce. Now that I am retired, it would be unwise to trust any woman in any kind of relationship and investments need only be safe enough and pay me for the 25 to 30 years.That is a very good point!
Knowledge is power..... Don't waste your brain on bullshit
First I would get Microsoft Excel
Be cheap man…download open office for free!
Just a little fun thing I do with my spread sheet I keep…I track my dividends every quarter. The way I see it is if I just say “I need to save a million dollars to retire early” it simply seems like an impossible goal to get to a million a few thousand at a time and doesn’t feel like you ever make progress.
When I track dividends though…its noticeable gains every quarter. I consistently add to my 401k, I invest money in my post tax account, and ideally companies raise dividends over time as well. It also gives me smaller goals to hit along the way…like when I was making 150 a quarter, that was enough to perpetually pay for my internet connection. When I was making 300 a quarter, that was enough to perpetually pay for my internet and cell phone. 600 a quarter meant my internet, cell phone, and electric bill was paid by passive income. I’m always motivated to save more because the next goal is never more than a couple quarters away!
I love getting the dividend payment every month it’s like getting a new raise every month as I re-invest it back in!
Knowledge is power..... Don't waste your brain on bullshit
Anonymous43as corny as it sounds, I saved a f~~~ ton of money by adjusting my car insurance…I moved to an area with way less chance of vehicular stupidity. had $1200/ 6 mos in FL on a 1 year old car, now $550/6 mos in a rural area, small town same policy limits, less risk, lower cost of living and oh brother I s~~~ you not, real 100% gasoline. Do you younger dudes know what real gas is like in a car… you get 10% better power and gas mileage. no hesitation, no ping, no rod knock real gas does not attract water nor rot yer engine components ummm real gas cost more.
2015 Altima 2.5 L I-4 @ 55mph 1500 rpm real gas 3000 ft elevation….48mpg lol behold the power of real gas.
75 2000 40
90 2500 34I love getting the dividend payment every month it’s like getting a new raise every month as I re-invest it back in!
Yeah, its nice. I get ragged on by some of the guys at work for being cheap and stuff, but what they don’t get is I made more off the stock market this year than they saved for retirement. I could literally stop saving anything and blow through 100% of my income right now and my capital gains going forward would outpace their capital gains + savings lol.
A lot of people just don’t get it…like a guy the other week told me life is about balance I should enjoy my money more. I told him dude, I go out and do stuff all the time, I just don’t have the same car payment, student loan payments, credit card debt, and expensive rent that you have…even if we make the same money at work I probably have an extra 1500 a month because I have no debt payments, and I have passive income I’m reinvesting. He stfu pretty fast lol. Would I somehow enjoy my life more if I bought an 80,000 dollar car to drive to the same job I have now in, or sold my condo for a fancy house just so I can sleep in the same bed I sleep in now?
Just another point to add:
Much depends on what part of your life your in. For instance, when I was younger, I had recovery time. Especially after the divorce. Now that I am retired, it would be unwise to trust any woman in any kind of relationship and investments need only be safe enough and pay me for the 25 to 30 years.I agree man. I didn’t think marriage was that awful when I was younger because I didn’t have much in terms of assets, I wasn’t making a lot of money, and if I married at 25 and divorced at 30 I’d still have had the bulk of my working years left to recover if needed and probably not have that much to split.
Now that I’m in my early 30s though…even if I meet someone like tomorrow, date her for a couple years, get engaged for a year, then marry…that puts me in my mid to late 30s with a hell of a lot more assets to worry about than I had 10 years ago. If I get divorced I’d also be around the halfway point in my working years as well, so I’d have a lot less time to recover.
I could only imagine if I fast forward another 10 or 20 years marriage or mingling of assets with a woman at all becomes an exponentially worse decision as I benefit from compound interest in future years.
SolidusX wrote:
I love getting the dividend payment every month it’s like getting a new raise every month as I re-invest it back in!
Yeah, its nice. I get ragged on by some of the guys at work for being cheap and stuff, but what they don’t get is I made more off the stock market this year than they saved for retirement. I could literally stop saving anything and blow through 100% of my income right now and my capital gains going forward would outpace their capital gains + savings lol.A lot of people just don’t get it…like a guy the other week told me life is about balance I should enjoy my money more. I told him dude, I go out and do stuff all the time, I just don’t have the same car payment, student loan payments, credit card debt, and expensive rent that you have…even if we make the same money at work I probably have an extra 1500 a month because I have no debt payments, and I have passive income I’m reinvesting. He stfu pretty fast lol. Would I somehow enjoy my life more if I bought an 80,000 dollar car to drive to the same job I have now in, or sold my condo for a fancy house just so I can sleep in the same bed I sleep in now?
I hear you on that one for sure, s~~~ I have been driving the same $13k car for 12 years now. It costs me nothing but gas and insurance, I see all these dudes that work the oil rigs making bank blow all their money on these jacked up trucks and have nothing to show for it. Most of my friends blow their money on eating out and stupid electronics that they do not need all the while I am banking dividends and investing in bullion. I love the simple life with fat stacks of cash and investments sitting in my bank and safe while others beg me for “loans”… I never lend money ever!
Knowledge is power..... Don't waste your brain on bullshit
Anonymous43reinvestment is essential. you do not want the capital gains tax if you put the dividend in your pocket!!!!!
reinvestment is essential. you do not want the capital gains tax if you put the dividend in your pocket!!!!!
If you are in Canada we have a Tax Free Savings Account TFSA and everything that’s in it is 100% tax free. It is pretty slick.
Knowledge is power..... Don't waste your brain on bullshit
Anonymous6Invest in pharmaceutical companies, and technology. Those companies always get great returns, and the more you put in, the more you get out. Gold kind of stays at a steady level, it doesn’t go up or down too much, so there’s no much room to grow.
Also look into gun manufacturers. Those stocks always go up. Heres’ the list of stuff that I personally would invest in:
Anheuser-Busch – Beer
Phillip Morris International (Marlboro) – Cigarettes
British American Tobacco – Cigarettes
Imperial Brands – Cigarettes
Estee Lauder – Cosmetics (women pay huge amounts of money for this)
L’ Oreal – Cosmetics (Same as above)
Nike – Athletic Clothing
Under Amour – Athletic Clothing
Walt Disney Co – Media
Proctor & Gamble – Consumer Goods
International Paper – Paper
UPS – Package Delivery Provider
Amazon – Internet Sales
Ford – Automotive
Apple – Technology
S&P 500
Bridgestone – Tires
Alcoa – Aluminum
PetroChina – Oil
Sinopec – Oil
Rosneft – Oil
Exxon Mobil – Oil
I hear you on that one for sure, s~~~ I have been driving the same $13k car for 12 years now. It costs me nothing but gas and insurance, I see all these dudes that work the oil rigs making bank blow all their money on these jacked up trucks and have nothing to show for it. Most of my friends blow their money on eating out and stupid electronics that they do not need all the while I am banking dividends and investing in bullion. I love the simple life with fat stacks of cash and investments sitting in my bank and safe while others beg me for “loans”… I never lend money ever!
Yeah its the best! My last car I paid 8k for and drove for 11 years lol. Meanwhile I know people who go through new cars every 3-4 years and carry 500-600 dollar a month car payments through life like its just normal.
Cell phones are another one that I always chuckled at. I know so many people paying 100+ a month for a fancy data plan and phone insurance, plus have to spend hundreds to get the latest, greatest smart phone every year. During that time I’ve just bought “dumb” phones and kept them for 3-4 years which is generally about how long they last before the battery turns to s~~~, and I’ve spent less than half on a basic talk/text plan. Overall its probably saved me 1000 dollars a year vs people that have always had smart phones. If I put that 1,000 a month into ATT or Verizon stock and reinvested the dividends for a decade, that would be enough to fund a smart phone habit for life off the dividends.
Its just nuts how a few years of frugal living, getting out of debt, and getting a little nest egg growing can set you up so well in life, yet I know so many people making above average incomes that can’t figure out how to get out of debt because they aren’t willing to go without anything they want and they just make bad choices on a whim over and over. One guy at work recently asked me “So what are you going to do if you retire at 40…aren’t you going to regret not spending more money when you were younger and could enjoy it?” I said “No, I’m going to enjoy 25 years of freedom while you are still punching a clock, I’m pretty sure I’ll enjoy spending money at 40 every bit as much as I do at 30, and I’ll only be 40…I take good care of myself so I’ll still be plenty fit and healthy to go hiking and biking and do many other physical things after I’m done working.” One of the older guys(late 40s who is still in good shape and very active) that heard that response just burst out laughing at the other guy as I obliterated him with a dose of reality lol.
The best thing is its not even like my money has gone into some black hole or something and I can’t retrieve it…if I decided in six months I wanted a sweet sports car or something, I’d just cut a check and drive away in a sports car. I don’t have to worry about credit or financing or making loan payments or any of that s~~~. If I don’t want a sports car, my money just stays where it is growing for me. The guy that just runs out and buys said sports car on a whim on credit…what choices does he have? He has years worth of debt payments, and taxes and insurance payments for as long as he keeps it, and if he wants to sell it in a few years because he wants to throw money at something else or his girlfriend makes him get rid of it, he’ll end up selling it for less than he paid for it. He’s standing on a one legged stool with a noose around his neck making fun of me for not being like him and doesn’t see the irony of the whole situation.
Also look into gun manufacturers. Those stocks always go up. Heres’ the list of stuff that I personally would invest in:
I’ve been putting money into pipelines. Many pipeline companies have still been paying out steady dividends with oil down and Obama c~~~ blocking them every way he could. I imagine over the next few years with President Trump who is pro pipeline, and with oil prices probably recovering a bit, these will be some good investments that are still profitable and paying nice dividends even if oil stays relatively cheap for quite some time.
I’ve also been investing in telecoms. Go for the big boys. ATT and VZ pay some nice dividends and people are addicted to their phones. If the ATT TWX merger goes through, you’ll probably see these guys morphing into some giant ass media/technology conglomerates over the next decade as each time one buys something the other will have to buy something else to keep up.
I’ve been scooping up WFC(financials) lately as well…but since Trump won financials had a few massive days. I’m generally a buy and hold guy but I might dump these soon…they’ve gone up too much too fast for no reason with the current scandal hanging over their head. Some credit card companies were also looking nice for a while but same thing…they’ve gone screaming up the last few days…
Some consumer goods companies and big utilities have also gotten hammered in the last few days seemingly for no reason other than people shifting money around to make a profit…might be a good time to do the opposite…if I dump my WFC I’m not sure what I’ll pick up yet…KO, CLX, PG, CL, KMB(expecting next quarter to be epic for them as they own Kleenex, and Kleenex right now are wiping away billions of tears from the faces of Clinton supporters), DUK, D…lot’s of solid dividend payers that will be good long term buy and holds down quite a bit off their highs…but I think I’m gonna hold off another day or two as the markets been nuts this week and I don’t want to get f~~~ed between trades waiting for funds to settle lol.
GE is also a company I’ll probably throw some money at in the near future. They’ve been investing in a lot of infrastructure projects abroad lately, and have been restructuring and refocusing since the financial meltdown. I think that’s going to pay off nicely for them in coming years.
Things I’m avoiding right now…healthcare stocks. We’re in the Obamacare bubble. I’m not expecting Trump to keep inflating it. I also avoid all social media stocks. They will all eventually go the way of MySpace. Tesla. They make good headlines and get people excited but they still aren’t making money, and they’re going under if Trump cuts their subsidies, which he probably will because Elon Musk is a democrat lol.
I hear you on that one for sure, s~~~ I have been driving the same $13k car for 12 years now. It costs me nothing but gas and insurance, I see all these dudes that work the oil rigs making bank blow all their money on these jacked up trucks and have nothing to show for it. Most of my friends blow their money on eating out and stupid electronics that they do not need all the while I am banking dividends and investing in bullion. I love the simple life with fat stacks of cash and investments sitting in my bank and safe while others beg me for “loans”… I never lend money ever!
Cell phones are another one that I always chuckled at. I know so many people paying 100+ a month for a fancy data plan and phone insurance, plus have to spend hundreds to get the latest, greatest smart phone every year. During that time I’ve just bought “dumb” phones and kept them for 3-4 years which is generally about how long they last before the battery turns to s~~~, and I’ve spent less than half on a basic talk/text plan. Overall its probably saved me 1000 dollars a year vs people that have always had smart phones. If I put that 1,000 a month into ATT or Verizon stock and reinvested the dividends for a decade, that would be enough to fund a smart phone habit for life off the dividends.
Its just nuts how a few years of frugal living, getting out of debt, and getting a little nest egg growing can set you up so well in life, yet I know so many people making above average incomes that can’t figure out how to get out of debt because they aren’t willing to go without anything they want and they just make bad choices on a whim over and over.
I laugh at the sheeple (people who are sheep) stand in line for days for the newest apple phone and spend 1000 bucks on the damn thing with a 100/month charge for the service while I have a 6 year old phone and spend 50 bucks fully loaded. It is amazing at the waste people do with their money it is almost sickening. I have a best friend who just spends left and right and just has turned 40 and wonders where all his money has gone, it is just sad sometimes. But what can you do, I stopped trying to help most people as it is like talking to a brick wall. I just stick to my plan and go through life.
Knowledge is power..... Don't waste your brain on bullshit
Money is a subject i just love and i really enjoy seeing the guy’s takes on investing here.
I’m not good at budgets and never have been and for those like me, may i suggest that i just earn as much as i can and work as much as i can. It doesn’t mean you have to live like a monk.
Spend a bit, save a bit, invest a bit. Obviously you can go hard on either of the forementioned but it’s unbecoming of a man in my opinion to recklessly spend without any thought of the consequences down the road. I prefer to leave that line of behaviour to women.
It does however astound me the amount of guys that can’t control themselves from buying s~~~ they don’t need all the time.
You just gotta find what works for you, i had a go at day trading and lost money, in fact alot of money was on the courses that teach it!. I’m more a buy and hold kind of guy these days. I like a little cash in the bank for emergencies but i would only have 15-20% of my capital at a push and the rest elsewhere or invested.
I do not trust banks! I tend to do a little of what Vention does on his mgtow youtube channel. Precious metals and bitcoin.
Watch and learn from the best there is, there is a channel called realvision TV which is awesome. Make up your own mind after careful consideration and get to it!
As solidus says, get your plan and stick to it and go through life.
I don’t have anything set in stone as life happens at times but i like my money as it gives you the good things in life. Earn it, grow it, protect it and enjoy it.
You’ll thank your self in the future.
I have a best friend who just spends left and right and just has turned 40 and wonders where all his money has gone, it is just sad sometimes. But what can you do, I stopped trying to help most people as it is like talking to a brick wall. I just stick to my plan and go through life.
Absolutely nothing. Most debt slaves don’t want to help themselves, and they don’t want to listen to advice when they ask for it, let alone when its unsolicited.
I was checking out my 401k at work one day and a coworker saw my screen and was asking how the hell I had so much in there when he had been there longer than me and didn’t have as much. I told him the obvious…I’ve been maxing it out every year and plan on retiring early. We talked a bit about finances…I really didn’t pry into his much but he was interested in my lifestyle and spending habits. For the next month or so he was talking about listening to Dave Ramsey and was all gung ho about how he’s going to get himself out of debt…then he fell off the horse, bought a new car, charged a vacation on his credit card for some upcoming time off, and turned around and told me “You need to get out more, I can’t live like you,” and tried to belittle me for my lifestyle. I just laughed…I never tried to tell him how to live, and I never gave him s~~~ about his lifestyle as I could care less.
It just reminded me of a Dave Ramsey quote he had spouted out a month earlier, “We buy things with money we don’t have to impress people we don’t like.” What was I supposed to do when he gave me s~~~…show up to work with a nicer car the next week just to impress him with my poor financial decision making that could rival his, or just shrug and go about with a lifestyle I’m happy with because he’s irrelevant anyhow.
I’m not good at budgets and never have been and for those like me, may i suggest that i just earn as much as i can and work as much as i can. It doesn’t mean you have to live like a monk.
That’s what I do as well, and monk is all relative. I think I have a pretty good lifestyle…I’m happy with my modest condo, I have a nice car that is paid off although I didn’t run out and buy something stupidly expensive just because, and I’ll go out to eat and go out and do fun stuff…its just going out to eat is generally Mexican or pizza, not some 40+ dollar a head restaurant, and fun stuff generally amounts to playing some sports, taking the dog for a hike, going to the beach etc…stuff I enjoy doing, which also just so happens to be stuff that doesn’t cost an arm and a leg.
Meanwhile I got some coworkers that think I live like a caveman because of my lifestyle. I look at these guys though and its like damn they have a 2000+ dollar mortgage on some house they put next to nothing down on(or took a loan for the down payment), a 600 dollar car payment, lingering student loans, and credit card debt…they probably need 4000 a month just to tread water with all the debt they have dug yourself into where as I need <1500 a month and have investment income coming in, so in reality we probably have a 3-4000 dollar a month difference in our budgets, but to them debt is a way of life so they just don’t get it. With the differences in our budgets just by virtue of me not being in a massive hole like them, I could literally put 1500 a month in my 401k which maxes it for the year and budget an additional 1500 a month for entertainment, travel, and toys…and I’d still have money left over to invest. And 1500 a month? Unless I’m going out to eat in places where I’m dumping 100 dollars a meal, going on monthly vacations, or buying a very expensive car…I don’t really think I could even spend that money without looking for ways to just waste it.
Further down the spectrum I know people who have had s~~~ luck with the job market who think I’m living the high life just because I have my own place and no car payment. To the other extreme I know people that are so well off they would think they are poor if they had to budget to live off a 100-150k a year salary.
You just gotta find what works for you, i had a go at day trading and lost money, in fact alot of money was on the courses that teach it!. I’m more a buy and hold kind of guy these days.
Yeah day trading is rigged against you. If you win the government creams you with income tax rates for stock you hold short term, and if you lose, you lose. After accounting for taxes you literally have to pick winning stocks a minimum of 2/3 of the time to break even.
Long term buy and hold on dividend payers though…you almost always win if you hold on to it long enough. You just have to pick companies that don’t go out of business. Even if you pick a company that just pays a 3-5% a year dividend that you reinvest and over the next decade the price per share just stays even with inflation…you still make out nicely. I’m holding some stuff right now that if I sold it I’d sell it at a loss per share, but I could care less because after accounting for the dividends I collected I’ve still made money off them. I’m also confident they aren’t going out of business…so I’ll just continue to collect dividends and buy down my average on them. It’s nearly impossible to call the bottom on stocks before they bounce back up to the high end of their range or up to a new high, but its certainly effective to buy your average down, collect dividends, and wait.
Lot’s of singles score you lot’s of runs if you have a little patience. Swinging for the fence every time might just leave you with nothing.
Beer,
I think most people just don’t understand the effects of compounding. How it can work to really enrich ones life (Reinvesting earnings) or how it can be an anchor that drags you down (Debt). Too bad most people are stuck in the latter because of their inability to control their compulsive behaviors.
I have to disagree about Daytrading being “rigged” though, being a trader (Intermediate term position trading) myself i see that term thrown around too much. It is considerably harder to make money trading short term than it is long term though. One of the biggest difficulties around Daytrading is the fact it requires alot of screen time & you basically have to do it full time, which creates an opportunity cost in not being able to work a fulltime job. Longer term trading allows you to work that job but also trade on the side (End of day/week analysis) so you have that stable income & open yourself up to the possibility of capital appreciation aswell. I do know a couple successful full time daytraders, but they basically traded a 40 hour 9-5 job to work 80 hours a week. I do believe there is a trading style for everyone out there which fits their beliefs and psychological profile, it’s whether you work hard enough at finding it and executing you’re system to the greatest ability.
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