I’m sure it’s a good value for some. I just use the super budget phones. They work fine and have more stats than I ever need.

I may have terms mixed up. I want to be able to have full control of any software.

Great write up! Thank you!!

Why are pixels so popular for this?

Check out “FIRE” (Financial Independence/Retire Early). It offers some great advice on how to escape the cycle.

USA

Trident and net. It has more range than the other options.

Aware. I’ve just never had much issues with brave out of the box.

Open YouTube in Brave as a default app is awesome. No ads by default and you can run it minimized.

Diversified assets question.

VXUS+VTI, VT or something else?

I have a portfolio with some $QQQM and $SCHD but I have been shying away from foundational stocks because it seems like they have an overexposure to big tech. When I invest in $QQQM I can control the amount of exposure.

I also am a dividend focused investor. It allows me to have the cash to pivot plans without selling and have a financial safety net should I become unemployed for example.

It seems like even any broad market ETF is still weighted towards big tech. The size of companies like Microsoft and Nvidia is staggering.

What are your recommendations?

I miss when 5 Guys was affordable.

I garden. What’s up?

As others mentioned it’s for security. I’ve gone to actual football games and it’s a requirement. I think they even allow outside food. I don’t think they allowed bottles though because they can be hucked at people or the field. Never tried it, I do know they keep the caps for that reason.

That’s a valid point. I was concerned about the US market being far too tech heavy right now. I have a ton of tech in my 401k naturally because of how it’s investing.

I liked $RSP (equal weight fortune 500) over $VOO or $VTI but the fees seem a hit high. QQQ seemed to allow me to limit my exposure by choosing to just get a little if I want

My brokerage has more passive income based which keeps me stable in tough times or emergencies. Not sure if that is the right call, but it helps me sleep at night.

I like investments that rebalance. The less I need to think about, the better. I’ll be tinkering around with my investing as I dollar cost average into other funds.

Thank you for being so awesome and giving me some great perspectives and offering fill on advice and why you came to those conclusions.

I think I understand. I do have a few questions as I go through the info.

Wouldn’t QQQ have a better upside than VTI?

VXUS would be at a tax disadvantage, but likely offset by BND and the US Dollar.

BND is very dependent on interest rates.

I may may am probably am wrong here, but it seems like this strategy seems a bit dated (even through a bit of research I’m seeing that).

That’s a solid answer. What I hear a lot of is QQQ, VOO, and, SCHD.

But why not get the best of growth and the best of dividends and forget the VOO?

I’m up for ideas, as you may tell. I don’t know what exactly I am doing yet.

I hear a lot about 3 fund portfolios and such. Wouldn’t it be smarter to focus on dividend investments so you never have to sell?

What are some good investments to consider?

I hear a lot about covered call ETFs and VOO. Is there something I should consider that’s non-stock related?

If it’s a chronic thing where you can’t stop thinking and you loose sleep it may be an anxiety disorder.

DDG is amazing. They do have the option of AI though with duck.ai. Their products are great. I may be a bit bias, I’ve been using it for 12 years.

I never stop for them. I’ll say “no thanks” or “I’m good, thank you anyway.”

Definitely helps to have headphones in.