Adrian

Tech worker at FAANG sharing my investment advise on how I became a millionaire.

[Adrian @sweinvestment]

@MsVeilMoney If I believe in the fundamentals, I’m buying more on the dip. As a dividend investor, I actually get strongly excited when things go down, if the dividends stay intact. Lower prices = higher yield and cheaper shares for the long haul. It's just a sale on quality companies.

[Adrian @sweinvestment]

@BINOL11 I live in the US and it highly depends on where you live and how old you are, when younger 2-3 months tend to be fine, when you are in your mid 40s I would aim for a full 12 months, depending on your family situation

[Adrian @sweinvestment]

How much cash on hand does everyone usually keep around while building wealth?

[Adrian @sweinvestment]

@IndexAndForget True. “No risk no reward” is mostly gambler talk. However the richest people I know took more risk early — career bets or businesses — to reach critical mass. Growing 50k to 500k is way harder than 1M to 2M. Once you have scale, you can afford go slow.

[Adrian @sweinvestment]

@TheAlphaThought Dividends don’t move that radically, so I’m usually more than fine even during volatility.
In fact, I actually prefer when prices dip it lets me buy morel and lower my cost basis.
As a tech worker, I treat dividend stocks like a stable income stream.

[Adrian @sweinvestment]

@TheAlphaThought Not really.
I keep it simple — I base everything off my base salary. It’s more than enough to cover lifestyle, and whatever is left automatically goes into investments.
Treating RSUs/bonuses as “extra” money has been one of the best financial decisions I’ve made as a tech worker.

[Adrian @sweinvestment]

@IndexAndForget Unintentional lifestyle creep

[Adrian @sweinvestment]

@ritu_twts Google has a real shot at coming out on top.
They already have massive compute infrastructure, enterprise customers happily paying for the build-out, and endless high-value use cases across Search, YouTube, and Ads.
The infrastructure moat is real.

[Adrian @sweinvestment]

@b_co_co As a software engineer, I see lifestyle creep as the ultimate single-point-of-failure in personal finance.
One big kitchen remodel or “flex vacation” is like adding unnecessary dependencies to your system.

Build the financial architecture first. The flex can come later.

[Adrian @sweinvestment]

@Fikarnot_Aditi Not right away, I would invest the money and once the investments carry my live style then I would consider quitting my job.

[Adrian @sweinvestment]

@QC_Capitals Lock in your live style so you can invest more of your raises and bonuses rather than adding another regular bill to the pile.

[Adrian @sweinvestment]

@Aditya_181105 curl is hard to use! But seriously the company is helping a lot of people build and test better APIs. While I’m happy with curl I had many colleagues SWEs and SDETs that found it easier to use.

[Adrian @sweinvestment]

@indexnforgetit Given your growing real estate portfolio would you IRA even make a difference? I mean the contribution limits are fixed and low for most that are already in real estate.

[Adrian @sweinvestment]

@NotA_Bull Once you hit something like 2million plus direct indexing starts becoming attractive as you save on the fund expenses and you can leverage things like tax loss harvesting.

[Adrian @sweinvestment]

@TTrimoreau Steven Pink had some similar thought a decade ago, his example was about what if functionality is the same, e.g. toasters, then non functional things like design became the important differentiator.

[Adrian @sweinvestment]

@GrindeOptions For me 5million would cover my expenses through dividends (or the 4% rule) but I’m like to be overly cautious so currently I am aiming for 10 million. I should get there in about 10-15 years (assuming a modest 5% growth rate)

[Adrian @sweinvestment]

@BINOL11 Well done! I hope to do the same, do you have any tips for me?

[Adrian @sweinvestment]

@alidougru Love to connect, currently trying to automate myself at work so I can focus on tomorrow

[Adrian @sweinvestment]

@raphael_codes @X Happy to connect!

[Adrian @sweinvestment]

@MrMirxx hEll0