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Gym 5w
My advice is put at least 10% of your income into your retirement fund, I recommend a Roth IRA for tax-free withdraws. Many companies will match retirement fund contributions up to a limit so always hit that limit, it's free money.
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Gym 5w
195 lbs, any advice?
55 upvotes, 17 comments. Sidechat image post by Anonymous in Gym. "195 lbs, any advice?"
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17
upvote 476 downvote
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Anonymous 5w

Open up a HYSA and place at least 3 months of expenses. In 2026 I think your best bet is probably SoFi at 4%. Personally, I’m a Marcus by Goldman Sachs type of guy. The rates have been declining over the past year but it beats your rate for an average savings account. Also tap into your brokerage, preferably Fidelity, Schwab or Vanguard. I’m not a financial expert tho. Just my 2 cents

upvote 71 downvote
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Anonymous 5w

I’d suggest 401k up till your company’s max match, then Roth IRA, then 401k until 15% of your income if possible, though this could differ if your current tax rate is way higher than you suspect your tax rate in retirement will be.

upvote 20 downvote
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Anonymous 5w

Well the USD is dropping in value due to Trump and is only expected to plummet further for a couple different reasons. My priority atm is foreign currency more than anything ngl

upvote 5 downvote
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Anonymous 5w

VOO till death

upvote 4 downvote
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Anonymous 5w

You look small. Hop on tren or you’ll be chopped forever

upvote 0 downvote
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Anonymous replying to -> #2 5w

CD’s are also another good choice 👍

upvote 16 downvote
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Anonymous replying to -> #2 5w

Heads up that SoFi has been lowering rates pretty frequently. Over the past year or so they've dropped down to 3.3%, so still not bad

upvote 19 downvote
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Anonymous replying to -> #2 5w

If you’re not getting 5% monthly returns are you really investing?

upvote 4 downvote
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Anonymous replying to -> #2 5w

Western alliance has a pretty good HYSA at 3.9%

upvote 1 downvote
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Anonymous replying to -> #8 5w

3.9% apr lol how about 3.9% a month

upvote 1 downvote
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Anonymous replying to -> #5 5w

well HYSAs and investing serve different purposes.

upvote 1 downvote
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Anonymous replying to -> #9 5w

Weak mindset

upvote 0 downvote
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Anonymous replying to -> #8 5w

One makes money the other not so much

upvote 1 downvote
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Anonymous replying to -> #5 5w

that’s one way to put it I guess if you wanna tie your emergency fund up in investments, be my guest

upvote 4 downvote
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Anonymous 5w

Making decisions based on foreseeable conditions actually, and the rest of the world seems to agree as the USD is being dropped by countries as their reserve.

upvote -2 downvote
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Anonymous 5w

Its counterintuitive and idiotic to believe you can maintain a strong USD while engaging in a trade war with the entire globe. Add to that he destroyed all our soft power influence in growing markets, which is just another reason on top of the fact we already had liquidity issues in growing markets that so many countries are looking for alternatives. Add to that he’s cooking our economy, engaging in wars, and his worst policies haven’t even kicks in yet, yeah you’re condescending + stupid

upvote 0 downvote
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Anonymous replying to -> #10 5w

Dum ahh

upvote 1 downvote