Accidentally Ok

Accidentally did okay with money. Trying to not mess it up now. Personal finance + stock research. Learning in public.

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I didn’t grow up around money and I didn’t have a plan.

Some decisions worked. Plenty didn’t.
Most of it was learning as I went.

This account is me being more intentional about personal finance and equity research, sharing what I’m still figuring out.

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I’ve been using $SOFI since 2021, partly for the built-in net worth / spend tracking.

Opened $HOOD back in 2015 but haven’t revisited it much.

Trying to think through this as a product decision, not a stock call.

If you were starting fresh today, which would you pick?

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@Simon_Ingari In my experience, taking the counter turned out to be the best decision ever. My leaders worked with me to find new opportunities and $ followed too.

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@garrytan I have to consciously remove them now from my write-ups and emails

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@netcapgirl Just started doing the same after watching knight of the seven kingdoms. Agree last season of GOT was meh, but the last two episodes (and soundtrack) of season 6 were amazing

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@farzyness Leasing is probably a better option in the near-term. The tech is evolving too fast for it to make sense to purchase

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@BarbellFi If someone is currently in their 30s, do you think $2.5m will be enough by the time they’re 60? FU money to me would be 2.5m liquid, with significantly more in retirement / hard assets

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@accounting_ds Sounds like the right take. One of the regrets I had around your age was building more of a dividend portfolio rather than growth. It worked well, but could have been way better!

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@pitdesi Need to break into the landscaping business now before AI takes my job

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@WheelieInvestor As someone who has used both $SOFI and $HOOD (before they launched Banking), if $SOFI invested time & money into polishing their UI, they could definitely attract a lot more members.

Haven’t re-explored $HOOD yet as it seems like I will be on the CC waitlist my entire life

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@brett_finance @tryshortcutai What are some use cases you’re thinking of for FP&A? Also, how are you thinking security / data for using these tools at work (something I struggle with as a fellow FP&A’er)

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@zachmelloh26 Is it possible to convert the inherited trad IRA into Roth? Or if they have an employer 401k roll it over into that?

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@KTmBoyle So true. Our newborn is almost a month old and this definitely resonates.

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@Geiger_Capital UBI will solve this

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@edgaralandough Sometimes it’s the simple stuff that is hard to execute in reality

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@zerohedge Haven’t really seen this trend in the northeast.. assuming Texas / Florida is driving a large part of this?

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@markcecchini Just had our first one a few weeks ago. Fortunately been able to be off from work for a few weeks. Based on all the talk of AI job displacement, I wonder if I’ll be even going back to something!

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@altcap @TrumpAccounts Appreciate your leadership to get this done! We just had a newborn a few weeks ago. Need to convince the wife to have baby #2 before 2028 now :)

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@GuyTalksFinance What kind of roles are you seeing more interest in?

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@onu_slim I’m basically there… definitely feels like the next 4-6 years will define life after 40

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@Nithya_Shrii They didn’t need a budget app in 1975 because it didn’t exist :)