Cosmic Coffee ☕

The artistic expression of life through the eyes of your average Afghan War veteran. // Poet, gardener, chef, single father among other things and dreams.

[Cosmic Coffee ☕ @CosmicCoffee42]

Here are the links to the next module in the course. This is where we will be building our cultural identity both shared and personal.

You will most likely not finish this era before I publish the next one. Many people will simply hit the wall here and stop, since this is where we will be gaining our first unbiased exposure to the King James version of the Bible. I recommend you read the included disclaimer.

Foundations for the Western Two-Fold Sage (11): https://t.co/Rk0ssMIrTJ

Foundations for the Western Two-Fold Sage (12): https://t.co/4rOZbFIGSi

[Cosmic Coffee ☕ @CosmicCoffee42]

Because time here is only temporary and I want to help create a world that's better than the one which I inherited.

[Cosmic Coffee ☕ @CosmicCoffee42]

In order to keep making money in retirement I am very frugal and I keep investing consistently which allows for my finances to get more robust over time. My goal isn't to spend everything I have, it's to build a future that I can pass down to my daughter.

[Cosmic Coffee ☕ @CosmicCoffee42]

I only use four different financial institutions. Any more than that and it becomes a headache.

[Cosmic Coffee ☕ @CosmicCoffee42]

Well two of them are completely automated, so I only really think about them once or twice a year.

[Cosmic Coffee ☕ @CosmicCoffee42]

My ETF section is not that complicated. I have a few core positions that track the S&P-500 and NASDAQ-100, one for income and a couple that target the markets of specific countries outside of the US. There are certain countries I don't want to invest in for a number of reasons, though in another portfolio I do have an international broad market fund, but the strategy and purpose of that portfolio is completely different than my primary one.

I do have several portfolios overall and they're all in some way different than one another.

[Cosmic Coffee ☕ @CosmicCoffee42]

Yeah, it feels good when the city actually owes you money instead of the other way around.

[Cosmic Coffee ☕ @CosmicCoffee42]

I prefer to buy municipal bonds since it not only lowers my tax obligation, but it is a way to invest in my local community and infrastructure.

[Cosmic Coffee ☕ @CosmicCoffee42]

When looking at an individual company a good question to ask yourself is; 'do I think this company is likely to go out of business in the near future?'

[Cosmic Coffee ☕ @CosmicCoffee42]

Because when you're retired you can't just leverage yourself up to the tits and let it ride on some random shit coin. You have to actually not be retarded. Difficult I know.

[Cosmic Coffee ☕ @CosmicCoffee42]

Overall my investing style is an aggressive blend of both growth and income, but I lean heavily towards growth. I see things like SCHD as a defensive hedge against more speculative assets.

As I've gotten later into my thirties I've started to go more risk off and I introduced tax-advantaged fix income assets like municipal bonds and such, but I mostly did that while interest rates were good.

// Not a recommendation.

[Cosmic Coffee ☕ @CosmicCoffee42]

I have (21) Individual positions in that portfolio, and I try and maintain a 1% CASH buffer.

And before you ask why I capitalize every letter in 'CASH', it's because it is shorthand for 'cash & cash equivalents'.

[Cosmic Coffee ☕ @CosmicCoffee42]

@tuuu28283 Yeah, I just woke up. Good morning.

[Cosmic Coffee ☕ @CosmicCoffee42]

There are reasons why someone would own individual securities over just ETFs and mutual funds.

As a risk on diversifier. To gain voting rights. To create a more amenable income schedule. Et cetera.

In my primary portfolio I'm sitting at:

49.55% Individuals

43.96% ETFs

5.62% Bonds

and

0.87% CASH

And my Individual securities have actually outperformed my indexes by some margin, but I've also done a lot of research on what I own and I understand what I invest in...which not everybody does.

[Cosmic Coffee ☕ @CosmicCoffee42]

Dude, I am saying that as a person who spends a lot of time on the internet. I remember when this shit was new. I've clocked a lot of hours on here.

[Cosmic Coffee ☕ @CosmicCoffee42]

Gen-Z is the most chronically depressed and hopeless generation because they spend too much time on the internet, not because they can't succeed.

[Cosmic Coffee ☕ @CosmicCoffee42]

I've been hearing about how the world is about to end and we're all cooked my entire fucking life. That's why I don't give a fuck about your doomerism.

[Cosmic Coffee ☕ @CosmicCoffee42]

Yeah, there is an actual thing that some businesses do where they intentionally charge outrageous prices so that people perceive their products and services as "luxury" items. When really it cost the businesses next to nothing to produce or provide those things.

[Cosmic Coffee ☕ @CosmicCoffee42]

I really am doing my best to help you bastards. It's crazy.