Theory Moneymaxxing and investmaxxing. Advice for younger incels

[Excluded]

This two copes are fundamental. Most normies doesnt even realize the power of compound interest, so they dont invest, and their savings die over time. They get into morgages, expensive cars, travels, and useless shit that destroys them financially. They get into debt, some get into vices like alcohol, drugs, gambling, and that also destroys them.

The world is full of traps, but if you understand how it works you can take advantage financially, and if you're gonna be an incel, better be a rich one.

The advice is very simple.
1. Take a work with decent income
2. Save all you can from it, and dont expend money in useless shit during the process.
3. Dont buy a house, dont take morgage, and if you want a car buy a cheap one.
4. Invest all of that savings month by month into a cheap MSCI world index fund, and maybe some also in the MSCI emerging markets index, so you cover the whole world.
5. Keep on with you life, and dont even care for that going up and down. In the long run you will be rich.

So what to expect? It depends on how much you can put into the markets and how much time you take it there. The markets have historically averaged an 6.6% adjusting for inflation. That can make a huge number when it goes rolling for some decades. When you get older you can turn some into bond indexes, so you lower the volatillity if thats a problem for you.

I'm putting my money where my mouth is, and this is what ive been doing on my own for the last 4 years. I've been able to save a lot because i live with my mother. In the near future i plan to leave the nest, so i wont be able to save that much, but still i'm gonna keep with the plan as long as i live, and if i die before enjoying the fruits of this run i dont really care, because this is just like a game to me, and anyway, money cant buy me anything better than this ticket to wealth.

I think incels should consider this option while you are still young. The reason is that it can give you a sense of purpose or focus, it can prevent you for wageslaving the rest of your life without any good return, and it can also get you a woman or at least paid sex in a regular basis.

If you have any questions i'm glad to help or debate with you about it. If you are incels you're bros to me, so i wanna help you

 

[AtrociousCitizen]

1. Take a work with decent income

Lost me there.

 

[Roastie Crusher]

Becoming a betabuxxer is the inevitable conclusion of your investment strategy or roping when you get to the old folks home.

 

[curryboy420]

Poo

 

[ItsOverMan]

4. Invest all of that savings month by month into a cheap MSCI world index fund, and maybe some also in the MSCI emerging markets index, so you cover the whole world.
5. Keep on with you life, and dont even care for that going up and down. In the long run you will be rich.

So what to expect? It depends on how much you can put into the markets and how much time you take it there. The markets have historically averaged an 6.6% adjusting for inflation.

I recommend QQQ (Nasdaq 100 fund). Has averaged 7.4% adjusted for inflation since 1999, in US dollar terms. Way more than that if you include the 80s and 90s. Just my opinion, not investing advice.

 

[Excluded]

I recommend QQQ (Nasdaq 100 fund). Has averaged 7.4% adjusted for inflation since 1999, in US dollar terms. Way more than that if you include the 80s and 90s. Just my opinion, not investing advice.

Its a more agressive strategy, but i do not recommend. Technology has been a winner in the past but it may not be in the future, so i think it is more prudent to invest in the broad market and also internationally.

Becoming a betabuxxer is the inevitable conclusion of your investment strategy or roping when you get to the old folks home.

If you got a better idea let me know

 

[sulpuda]

These days, it’s clear that people have come to realize the importance of investing more than ever. I’m 25 years old now, but 10 years ago, adults used to say that investing in stocks was like gambling. And I believed that too. But now, we have nearly 100 years of stock market index data since the Great Depression, and thanks to the internet and smartphones, even ordinary people—not just professionals working in financial firms—talk about the magic of compound interest.

Anyway, what I want to ask you is, how do you deal with FOMO? I know I’m not an expert in investing, which is why I prefer investing in ETFs like QQQ. But sometimes, when I see others making several times their investment returns through individual stocks instead of ETFs, I feel like I’m losing out.

Did you know that Nvidia's stock price has increased 10x between October 2022 and now? Back when Nvidia’s stock was around $15, I debated buying it but didn’t. Then suddenly, the AI revolution started with ChatGPT, and Nvidia's stock price began skyrocketing. When it hit $45, I thought, 'Fuck, I should’ve bought it at $15! But if I buy now, it’ll definitely drop.' So I didn’t buy.

Then the stock went up to $60, $70, and eventually $100. At that point, I thought, 'This is definitely the peak!' So again, I didn’t buy it. Now Nvidia’s stock price is $140. What’s driving me absolutely crazy is that Nvidia isn’t some penny stock; it’s a major company, meaning a lot of people made money from it. Of course, I didn’t 'lose' money because I invested in QQQ, but every time I look at Nvidia, I feel FOMO.

I know I’ve made money, but I still feel like I’ve ended up a beggar. How do you deal with this?

 

[RechargedSamsung]

Damn i should get into trading i gotta work in my family’s business so i’m gonma save up for the first half of the year until i go to college in the summer

Seemingly im probably gonna work 12 hours on a $8 an hour salary and if there’s nothing to it and i just work witht he business hopefully i can have like $10k saved and i wanna invest it into trades but i dunno what to invest


My dumbass did prizepicks for a little cash i only won a $100 lol

 

[Roastie Crusher]

These days, it’s clear that people have come to realize the importance of investing more than ever. I’m 25 years old now, but 10 years ago, adults used to say that investing in stocks was like gambling. And I believed that too. But now, we have nearly 100 years of stock market index data since the Great Depression, and thanks to the internet and smartphones, even ordinary people—not just professionals working in financial firms—talk about the magic of compound interest.

Anyway, what I want to ask you is, how do you deal with FOMO? I know I’m not an expert in investing, which is why I prefer investing in ETFs like QQQ. But sometimes, when I see others making several times their investment returns through individual stocks instead of ETFs, I feel like I’m losing out.

Did you know that Nvidia's stock price has increased 10x between October 2022 and now? Back when Nvidia’s stock was around $15, I debated buying it but didn’t. Then suddenly, the AI revolution started with ChatGPT, and Nvidia's stock price began skyrocketing. When it hit $45, I thought, 'Fuck, I should’ve bought it at $15! But if I buy now, it’ll definitely drop.' So I didn’t buy.

Then the stock went up to $60, $70, and eventually $100. At that point, I thought, 'This is definitely the peak!' So again, I didn’t buy it. Now Nvidia’s stock price is $140. What’s driving me absolutely crazy is that Nvidia isn’t some penny stock; it’s a major company, meaning a lot of people made money from it. Of course, I didn’t 'lose' money because I invested in QQQ, but every time I look at Nvidia, I feel FOMO.

I know I’ve made money, but I still feel like I’ve ended up a beggar. How do you deal with this?

Nvidia split their stock 10 for 1 in 2024.

FOMO is real for everyone.

Buy when you think the stock is cheap. The problem is the macro environment. Right now the global liquidity is driving the stock market higher. And unemployment is low even though all other indicators show a recession.

We aren't entering a recession yet.


View: https://www.youtube.com/watch?v=qJvT1JxzjOA

 

[Excluded]

Anyway, what I want to ask you is, how do you deal with FOMO? I know I’m not an expert in investing, which is why I prefer investing in ETFs like QQQ. But sometimes, when I see others making several times their investment returns through individual stocks instead of ETFs, I feel like I’m losing out.

If you invest in the broad market (msci world + emerging markets) you will get the average return of the whole businesses in the world minus the low commission. That means you will effectively beat the average investor cause you are paying the lowest fees, and with no effort and sleeping better at night. Picking stocks or mutual funds that aim to beat that market is usually a losing game, and in the long term it rarely gets better returns. Thats why i recommend investing in the broad market and not trying to pick sectors, individual stocks, or active funds

 

[Excluded]

Damn i should get into trading i gotta work in my family’s business so i’m gonma save up for the first half of the year until i go to college in the summer

Seemingly im probably gonna work 12 hours on a $8 an hour salary and if there’s nothing to it and i just work witht he business hopefully i can have like $10k saved and i wanna invest it into trades but i dunno what to invest


My dumbass did prizepicks for a little cash i only won a $100 lol

Man dont do that. Most traders end up losing money. Its a losers game. Invest the savings in low cost index funds and dont touch it till you really need it. Quick gains and trading are a scam in this world, just like gambling, dont make that mistake

 

[CrackingYs]

Something I never really understood or paid attention to is the cost of selling your stocks and paying taxes.

You want to avoid taxes, and accumulate lots of "unrealized gains". Because if you don't sell, then you don't pay taxes, so you make money off the compounded gains.if you sell your stocks then you're gonna lose like 30% of the money you earned. But if you don't sell then you keep all that money and it continues to make more money for you. It's usually not worth it to sell. If there's some other stock you want to buy don't sell your current stocks just buy it with new money that you earn and save.

Do not sell. Don't sell anything ever. Do not pay the Jews their Jew taxes. That's how the Jews make their money - they don't pay taxes, they collect them. So be like a Jew and don't pay taxes by not selling.

So then how do you choose stocks that you can literally "buy forever and never sell". The only way to do that is to have a crystal ball, or just go with an S&P500 or total stock market index fund.

Bottom line: buy VOO or VTI and literally never ever sell no matter what.

 

[tandoorichickencel]

Try vanguard shares if not dollar cost average index funds

 

[Excluded]

Something I never really understood or paid attention to is the cost of selling your stocks and paying taxes.

You want to avoid taxes, and accumulate lots of "unrealized gains". Because if you don't sell, then you don't pay taxes, so you make money off the compounded gains.

Do not sell. Don't sell anything ever. Do not pay the Jews. That's how the Jews make their money - they don't pay taxes. So be like a Jew and don't pay taxes by not selling.

So then how do you choose stocks that you can literally "buy forever and never sell". The only way to do that is to have a crystal ball, or just go with an S&P500 or total stock market index fund.

Bottom line: buy VOO or VTI and literally never ever sell no matter what.

You get the point. Well, actually the aim is to eventually sell, but just when you have already enough for your goals, and you can retire money at the same rate or lower that it generates itself, even with the tax. Thats what i call the financial freedom. Another option will be changing the fiscal residence when that moment comes so you dont pay taxes, but that must be tricky

 

[unborndegenerate]

1. Take a work with decent income

well well well

 

[Excluded]

well well well

I know... but when i say decent, i mean the best you can get in your situation, that allows for some savings you can compound over time

 

[CrackingYs]

You get the point. Well, actually the aim is to eventually sell, but just when you have already enough for your goals, and you can retire money at the same rate or lower that it generates itself, even with the tax. Thats what i call the financial freedom. Another option will be changing the fiscal residence when that moment comes so you dont pay taxes, but that must be tricky

You actually really never have to sell because VOO and VTI make 1.5% dividends. If you have enough in dividends to cover your cost of living then you don't have to sell.

Also, if you get advanced, and if interest rates are low you can use margin loans to buy an income fund that generates more income than the loan costs. Like if interest rates are 5% and you buy a fund that generates 10% per year, then it's free money. And you just borrow enough to cover your cost of living.

Never sell. Ever. This is literally what Jews do to avoid paying taxes. Paying taxes is for goy only.

 

[unborndegenerate]

I know... but when i say decent, i mean the best you can get in your situation, that allows for some savings you can compound over time

neetmaxxing

 

[Sonicfancel]

1. Take a work with decent income

Just this step requires years. Also, the odds of you beating the market reliably are so small.

 

[Ahnfeltia]

Dont buy a house

Are you claiming renting is cheaper in the long run?

 

[Excluded]

You actually really never have to sell because VOO and VTI make 1.5% dividends. If you have enough in dividends to cover your cost of living then you don't have to sell.

Also, if you get advanced, and if interest rates are low you can use margin loans to buy an income fund that generates more income than the loan costs. Like if interest rates are 5% and you buy a fund that generates 10% per year, then it's free money. And you just borrow enough to cover your cost of living.

Never sell. Ever. This is literally what Jews do to avoid paying taxes. Paying taxes is for goy only.

Doesnt work here in Spain. Here you pay for dividends as well, and my fund is of accumulation so everything gets reinvested. No exemption in dividends, burocrats want to leech their part.

Just this step requires years. Also, the odds of you beating the market reliably are so small.

Im not aiming to beat the market, thats my point. Just following market returns and play the game of time and patience get really good numbers in a long run. 20 years will already give good results, 30 years will give very good results. You can become fairly rich in 40+ years, not even joking on that. But whenever you gonna enjoy it, it will make for more if you give it time.

May not sound great, but the alternative is to waste all money now into useless things and wageslaving to death or living out of charity, and stay poor for all life. And if you are old, incel, and poor, then it just makes everything worse.

Are you claiming renting is cheaper in the long run?

If you invest and follow this path it will be cheaper, yes. Maths dont lie

 

[NIGGER BOJANGLES]

Lost me there.

Same , absolutely brutal

 

[ItsOverMan]

Doesnt work here in Spain. Here you pay for dividends as well, and my fund is of accumulation so everything gets reinvested. No exemption in dividends, burocrats want to leech their part.


Im not aiming to beat the market, thats my point. Just following market returns and play the game of time and patience get really good numbers in a long run. 20 years will already give good results, 30 years will give very good results. You can become fairly rich in 40+ years, not even joking on that. But whenever you gonna enjoy it, it will make for more if you give it time.

May not sound great, but the alternative is to waste all money now into useless things and wageslaving to death or living out of charity, and stay poor for all life. And if you are old, incel, and poor, then it just makes everything worse.


If you invest and follow this path it will be cheaper, yes. Maths dont lie

As a Spanishcel what do you invest in? Like a global stock fund? Or Euro stocks? Do you buy european bonds?

 

[Excluded]

As a Spanishcel what do you invest in? Like a global stock fund? Or Euro stocks? Do you buy european bonds?

Msci world + emerging markets. Index funds. And i have like 20% into monetary fund, probably gonna convert some into a us treasury bonds index

 

[cripplecel]

I recommend to HODL bitcoin & etherium

 

[Excluded]

I recommend to HODL bitcoin & etherium

There are bitcoin etfs now, which is a cheap option to hold Bitcoin for long term, and without worrying about private keys or an exchange marketplace.

But still i do not recommend investing big into bitcoin. People think that it will keep going up at crazy rates in the long term, and theres no good argument that can sustain that. Is mostly speculation. People doesnt understand how bitcoin works and doesnt even take interest in it for more than price speculation.

In my opinion bitcoin could perfectly become obsolete in the future because of the system it relies on. Also when the level of interest for it reach the peak, it shouldnt go up much more than the inflation levels allow. Stocks are different because they are fragments of businesses that make products and services with the focus on making profit, and we as investors take the part of that. That should allow for more than an asset whose price relies on it being scarce and unreplicable.

 

[BPJ]

Try vanguard shares if not dollar cost average index funds

vanguard blakcrock dimensional funds or Flossbach von Storch are going really well atm