Horseman 2,843 Posted January 1 6 hours ago, Grace Under Pressure said: LMAO. Guy from nowheresville USA, who has his wife print receipts for him to track on a spreadsheet, calling anyone else a fool. Pretty much anyone with a pulse has more wealth than this. “Oh I moved to a farm 100 miles away from a good German restaurant.” Do you even read what you post? Hopefully no one with here with actual money listens to this drivel. There’s better advice out there literally anywhere else. Except you seem to hang on to my every word. You read everything I post. That's awesome. I'm not sure which is more satisfying, helping someone else reach financial independence or laughing at people like you that are too dumb to ever get there. 2 Share this post Link to post Share on other sites
Hardcore troubadour 16,208 Posted January 1 19 hours ago, Grace Under Pressure said: "Honey, don't forget to get a paper receipt when you go shopping!!" Why would anyone need a receipt in this day and age? Just look at your card statement. You don’t have cards? What a loser. Share this post Link to post Share on other sites
Horseman 2,843 Posted January 1 52 minutes ago, Hardcore troubadour said: Why would anyone need a receipt in this day and age? Just look at your card statement. You don’t have cards? What a loser. Putting a receipt in my pocket is a lot easier for me than looking at 8 different cards and 3 bank accounts. What matters though is that you do it, however is easiest for you. Share this post Link to post Share on other sites
easilyscan 1,111 Posted January 2 2025 Returns: https://www.imagebam.com/view/ME19AEWT Regardless of the account, my goal is always the same. Outperform the DJIA. Incredibly pleased that I not only did that, but beat the S&P 500 as well. (3 of 4 accounts) The Individual TOD (Taxable Account) is the biggest. This account originated in 1994 when I took 5K, & opened a brokerage account @ a small office called PrimeVest inside a local bank. 1st shares purchased were Intel. They were the Nvidia of the day from the mid 80s, until the early 2000s. Any time I'd have an extra 2 or 3K, I'd deposit it. In January 97 I bought a gateway 2000 desktop & because the commissions at prime vest were insanely high, opened a brokerage account at Fidelity. Shortly after, I transferred the prime vest account. Had 1 mutual fund each at, Bridgeway, T Rowe price, and Wasatch. I transferred all of those to Fidelity for consolidation purposes. A screen cap of the holdings in that account. https://www.imagebam.com/view/ME19AEWU Crown Holdings (CCK) is the company I retired from. I purchased shares at $1.94 on whatever day the markets reopened after 9/11. Bought my first shares of Eli Lilly in 2011. The Rollover IRA was my Vanguard 401(k) until late in 2024 when I rolled it into an IRA. No excuses for that performance. I used that account to buy stocks & sell out of the money covered calls to improve my returns. The biggest mistake was taking substantial positions in beaten down companies, thinking they were at or near the bottom and would soon recover. WRONG! One example is ConAgra foods. I hope to substantially improve on those returns in 2026. Regards Share this post Link to post Share on other sites
Horseman 2,843 Posted January 2 17 hours ago, easilyscan said: 2025 Returns: https://www.imagebam.com/view/ME19AEWT Regardless of the account, my goal is always the same. Outperform the DJIA. Incredibly pleased that I not only did that, but beat the S&P 500 as well. (3 of 4 accounts) The Individual TOD (Taxable Account) is the biggest. This account originated in 1994 when I took 5K, & opened a brokerage account @ a small office called PrimeVest inside a local bank. 1st shares purchased were Intel. They were the Nvidia of the day from the mid 80s, until the early 2000s. Any time I'd have an extra 2 or 3K, I'd deposit it. In January 97 I bought a gateway 2000 desktop & because the commissions at prime vest were insanely high, opened a brokerage account at Fidelity. Shortly after, I transferred the prime vest account. Had 1 mutual fund each at, Bridgeway, T Rowe price, and Wasatch. I transferred all of those to Fidelity for consolidation purposes. A screen cap of the holdings in that account. https://www.imagebam.com/view/ME19AEWU Crown Holdings (CCK) is the company I retired from. I purchased shares at $1.94 on whatever day the markets reopened after 9/11. Bought my first shares of Eli Lilly in 2011. The Rollover IRA was my Vanguard 401(k) until late in 2024 when I rolled it into an IRA. No excuses for that performance. I used that account to buy stocks & sell out of the money covered calls to improve my returns. The biggest mistake was taking substantial positions in beaten down companies, thinking they were at or near the bottom and would soon recover. WRONG! One example is ConAgra foods. I hope to substantially improve on those returns in 2026. Regards 1 Share this post Link to post Share on other sites
Horseman 2,843 Posted January 2 Funniest thing about all of this is that NONE of it is hard or time consuming. Whether it's a receipt in your pocket or checking your credit card statements it's pretty foking easy and you should be doing it anyway. Developing a financial strategy and setting an asset allocation requires math, but, its simple math. It's not rocket science. I chuckle at people that just can't bring themselves to do it. Sad that most people don't know how to avoid financial planners and set their own path to wealth building. Everyone should. It could be taught in a single class in high school, but it's not. 1 Share this post Link to post Share on other sites
easilyscan 1,111 Posted January 2 On 1/2/2026 at 12:18 PM, Horseman said: Funniest thing about all of this is that NONE of it is hard or time consuming. Whether it's a receipt in your pocket or checking your credit card statements it's pretty foking easy and you should be doing it anyway. Developing a financial strategy and setting an asset allocation requires math, but, its simple math. It's not rocket science. I chuckle at people that just can't bring themselves to do it. Sad that most people don't know how to avoid financial planners and set their own path to wealth building. Everyone should. It could be taught in a single class in high school, but it's not. Agreed. I've since become a credit card guy, but before I retired, I used cash for all my day-to-day transactions. Had no idea how much I spent on these non-recurring expenses, so I made up a simple spreadsheet (10 spending categories) & got in the habit of asking for a receipt on every transaction. A couple times a week, I’d enter the receipt amounts into the spreadsheet. Completely painless, although the average of about $70 per day surprised me. 1 Share this post Link to post Share on other sites
easilyscan 1,111 Posted January 4 On 1/2/2026 at 12:18 PM, Horseman said: Whether it's a receipt in your pocket or checking your credit card statements it's pretty foking easy and you should be doing it anyway. Exactly. That's why I find these commercials for rocket money so entertaining! https://www.ispot.tv/ad/Bh2d/rocket-money-bike-subscriptions 1 Share this post Link to post Share on other sites
Horseman 2,843 Posted January 4 Lower tax brackets, higher deductions and expanded tax credits enacted. Time for turbo boost. Scottie, engage the warp drive, give'er all she's got! 1 Share this post Link to post Share on other sites
Hardcore troubadour 16,208 Posted January 6 On 10/21/2025 at 4:33 PM, Ron_Artest said: I took some gains today. This sh1t is bananas. 1 Share this post Link to post Share on other sites
Ron_Artest 2,726 Posted Tuesday at 11:11 AM 7 hours ago, Hardcore troubadour said: You never take gains? It's still bananas. Share this post Link to post Share on other sites
easilyscan 1,111 Posted 4 hours ago US stock futures dropped Sunday night as Wall Street reacted to the Trump administration opening a criminal investigation into Fed Chair Jerome Powell. If President Trump is 'directly' behind this as many suspect, I can't agree with it. I think Jerome Powell did the right thing by starting to put the brakes on by gradually raising rates closer to the historical average starting in 2022. Besides, most of the major market averages set new highs last week. What the fock more does Trump want ? The good news for those of us that hold it...........gold and silver are surging 4,579.62 +87.53 +1.95% 83.28 +3.72 +4.68% Share this post Link to post Share on other sites
thegeneral 3,810 Posted 4 hours ago 24 minutes ago, easilyscan said: US stock futures dropped Sunday night as Wall Street reacted to the Trump administration opening a criminal investigation into Fed Chair Jerome Powell. If President Trump is behind this as many suspect, I can't agree with it. I think Jerome Powell did the right thing by starting to put the brakes on by gradually raising rates closer to the historical average starting in 2022. Besides, most of the major market averages set new highs last week. What the fock more does Trump want ? The good news for those of us that hold it...........gold and silver are surging 4,579.62 +87.53 +1.95% 83.28 +3.72 +4.68% Donald can’t help himself. Share this post Link to post Share on other sites
Horseman 2,843 Posted 4 hours ago 8 minutes ago, thegeneral said: Donald can’t help himself. Keep your political crap out of this thread phaggot. Share this post Link to post Share on other sites
thegeneral 3,810 Posted 4 hours ago Just now, Horseman said: Keep your political crap out of this thread phaggot. Are you ok? Serious question. Kind of worried. Share this post Link to post Share on other sites
Horseman 2,843 Posted 4 hours ago 1 minute ago, thegeneral said: Are you ok? Serious question. Kind of worried. Liar Share this post Link to post Share on other sites
WhiteWonder 3,047 Posted 3 hours ago On 1/2/2026 at 5:45 PM, easilyscan said: Agreed. I've since become a credit card guy, but before I retired, I used cash for all my day-to-day transactions. Had no idea how much I spent on these non-recurring expenses, so I made up a simple spreadsheet (10 spending categories) & got in the habit of asking for a receipt on every transaction. A couple times a week, I’d enter the receipt amounts into the spreadsheet. Completely painless, although the average of about $70 per day surprised me. Paying in cash should only be for people without enough self discipline to not view credit cards as endless money or not pay the balance in full every month… which you should be able to do if you follow one simple rule… can I go to the atm and take enough cash to pay for this purchase? . … get a few good cash back cards to cover every scenario (dining/entertainment, rotating high cash back categories, flat % for everything else) and none with annual fees. otherwise you are just leaving money on the table. Even the typical areas where people have been taught to pay cash, like gas stations. The difference between a ‘same price cash or credit’ station and a cheaper cash station is likely 2 or 3 cents per gallon. It’s well offset if you’re getting cash back Share this post Link to post Share on other sites
