22 Y.O INVESTOR

Long Term Investor.
ETFs & Crypto

[22 Y.O INVESTOR @RuslanInvests]

@IndexAndForget nice post!

[22 Y.O INVESTOR @RuslanInvests]

@syariffandi I agree with you 100%.

[22 Y.O INVESTOR @RuslanInvests]

The Investor Psychology — Post #1

Lifestyle Creep: The silent enemy of your early retirement.

You work hard, you get a promotion, and your monthly income goes up by $500.

What do most people do? They instantly upgrade their lifestyle. They get a more expensive apartment, sign a lease on a flashier car, or start eating at pricier restaurants.

Suddenly, that extra $500 is completely gone, and their savings rate stays exactly at zero.
This is called "Lifestyle Creep."

The secret to building real wealth isn't living like a monk forever. It’s practicing "delayed gratification." Next time you get a raise, automatically send 60% of that extra money straight into your brokerage account before you even see it.

Let your investments upgrade your lifestyle later, not your paycheck today.

[22 Y.O INVESTOR @RuslanInvests]

@syariffandi This guy is telling the truth!

[22 Y.O INVESTOR @RuslanInvests]

@SCHDaccumulator brick by brick 👊👊👊

[22 Y.O INVESTOR @RuslanInvests]

@GrowthStockDad THANK YOU VERY MUCH FOR YOUR ATTENTION.

[22 Y.O INVESTOR @RuslanInvests]

I didn't start investing because I was smart.
I started because I was scared.

3 months ago I asked myself one question:
"If I lost my job tomorrow — what would happen?"
I had no answer.

That silence was louder than anything.
So I opened a brokerage account. Bought my first ETF. $VOO. Small amount.

Now I have an answer.
Not because I'm rich. Because I'm not paralyzed anymore.
Fear is a terrible reason to do nothing. It's a great reason to start.
#Investing #ETF $VOO
Not financial advice.

[22 Y.O INVESTOR @RuslanInvests]

@PrincipledAli Good morning!

[22 Y.O INVESTOR @RuslanInvests]

@stevehill1mil Congrats!

[22 Y.O INVESTOR @RuslanInvests]

U.S. Stock Market ETF Guide — Post #9

Asset Profile: $TLT (iShares 20+ Year Treasury Bond ETF)

So far, we’ve only talked about stocks and corporate real estate.
But what do you do when the world feels like it's chaotic, a recession is looming, and you want an asset that acts like a bulletproof vest?

You look at TLT. It doesn't hold stocks; it holds long-term US Government bonds.

📊 The Quick Numbers:
• Expense Ratio: 0.15% (Very reasonable)
• Dividend Yield: ~3.80% to 4.20% (Paid monthly)
• Safety Rating: Backed by the full faith of the US Government.

💡 How it actually behaves:
Stocks and bonds usually play a game of seesaw. When the stock market panics and drops like a stone, investors run away from risky tech stocks and pump their money into safe government bonds. This makes TLT’s price shoot up exactly when your stocks are losing value.

⚠️ The Verdict:
TLT won't make you rich overnight, and it won't grow 300% like tech stocks. But if you are close to retirement, want monthly cash flow, or want an insurance policy that goes up when the stock market crashes, TLT is a classic choice.
Not a financial advice.

[22 Y.O INVESTOR @RuslanInvests]

@ben__investing GM brother

[22 Y.O INVESTOR @RuslanInvests]

@DevotedDividend $SCHD

[22 Y.O INVESTOR @RuslanInvests]

The Brutal Truth — Post #8

Stop listening to economic gurus who claim they can predict exactly when the next market crash will happen.

If you look back at history, these "experts" have predicted 50 of the last 2 market crashes. They are almost always wrong.

Why do they do it? Because fear gets clicks, views, and attention.

Nobody retweets someone saying: "Hey guys, the world is moving forward, great companies are making profits, just keep buying your index funds." But that boring advice is exactly how real wealth is made.

Turn off the macro doomsday predictions, focus on your own job, and keep your investment plan steady.

[22 Y.O INVESTOR @RuslanInvests]

@quiet8302 GM brother

[22 Y.O INVESTOR @RuslanInvests]

@borsacibirgenc Umuyorum öyle olur hocam.

[22 Y.O INVESTOR @RuslanInvests]

@xtrader01 O yüzden finansal olarak rahatlamadan evlilik düşünmemek lazım

[22 Y.O INVESTOR @RuslanInvests]

@isamillionaire You’re absolutely right. By the way, thanks for the retweet. 👏