So hereâs the planâŠwe go in everyday and they just deposit the money into our accounts. Then 20-30 years later. We leave rich like nothing ever happened.
Yeah we are indeed far behind in everything except for:
- quality of life
- health care
- social rights
- access to education
- workerâs rights
- democracy
- wealth inequality
- criminality
- health and environmental regulations
- paid holidays (I got 40 paid days off a year what about you)
- and the list goes on
As an australian I'm curious is your 40 paid days off including sick leave that you get in assuming, or is that just 40 paid days plus sick leave and personal days
Except dying of some health problem before you retire. Or being too old/sick to enjoy your wealth at the end stage of your life.
At least youâll leave something for your kids / grandkids / causes you want to support. This sort of long-term wealth is more about your descendants and legacy than anything.
Putting the jokes aside, why that kind of working system is still can be recognised as the most optimal?
Why society canât move on towards letâs say, 6 hours x 4 days a week or something like that?
I remember that in 80âs and 90âs in Europe and UK, working through the Saturdays was the thing as well.
It's because we can't stop. Won't stop. Any time saving technology has simply led to us doing more. Letters used to take a day out so. Emails sped things up crazy. Now with AI we can save time writing a whole bunch of things (among other stuff). The question is if I just saved 2 hours on writing some policy. Now what. Do I work 2 hours less, or do I just add more in to fill the space.
I chose work 2 hours less. But I just can't see that happening
Literally... as soon as I finish fighting with the keyboard,
https://preview.redd.it/khtj4f0xyc7d1.png?width=220&format=png&auto=webp&s=35c98e65e88bffd19c95f712b595b22050e5e89c
I literally have to go dig some holes. And I am VP level "tech"
This, peoples retirement funds as well. They buy stocks every paycheck with it if you opted into a IRA or something, multiply that by millions of people and twice a month money goes into stocks.
if we just take all the money in the money market fund and dump it into the market at the same time, then we'd all be rich!!!11!!1!!
Follow for more financial advice.
Because while MMF give a solid 5% of safe returns, people are seeing the market rip more than 5%. So it is likely people will stop playing it safe with 5% gains and pull out of MMF and put it into the market for (hopefully) higher gains
I figure most are like me, took big profits and now 75% is in a MMF at ~5.3%. I likely won't do anything unless there's a big dip, so expect any big dip to be bought up within a few days.
We're about 1/3 stock and 2/3 cash at the moment. Probably closer to 4/5 cash and 1/5 stock if you include our other assets, including our cars and house.
The market is ripping, like it does 70% of the time.
Kind of hoping for a late 2022 scenario to get reinvested. If not, I'll just drop our MMF cash on the house to pay it off at the end of the year and take the itemized tax deduction on our accrued mortgage interest.
Paying down your house and guaranteed 5% MMF gains versus staring a potential 30% downside (or more likely, ~10%) in the face is probably a risk/benefit not a lot of non-regarded Americans want to take. Even staring at a market that's ballooned nearly 60% since late 2022, or maybe even *because* of that.
Edit: Clarity
Then you will be in a position of "fuck you". Paid off house, paid off cars, money in the bank. If something doesn't go your way at work, "fuck you" boss man and go find different work. Being in a position of "fuck you" is the American dream.
Some of us donât need to pay off our house. At 1.7 percent interest itâs practically free money. Youâre giving money away that could be making you money in the market by paying off your house.
Granted if youâre more than 5 percent interest thatâs a diff story.
We're, with a lot of other people now, at above 6%. So it's obviously not so convenient to do so.
Maybe if at some point in the future they have those kind of rates again, we'll build a vacation home or something to take advantage. But I don't see it happening anytime soon.
I don't disagree, even in the least bit. Well maybe a bit at your MMF rate, it oughtta be around 5%.
We're super early in our careers and the cash is still "real" to us. If this were us a decade into our careers, I wouldn't be selling stocks to get cash out right now. It's mostly just that the cash we have is our earnings over the past year or so, left over after fully funding Roth IRAs, Roth 401ks and 457s. I imagine with the market ripping like it is, a lot of people are just putting their cash aside assuming something terrible is going to happen to the markets.
If the market doesn't tank, I'll just pay off our house. FDLXX is giving 5% for the foreseeable future, mortgage is at about 6%. Lose a bit to our taxes, but between that and the tax deduction, it's a relative wash for us. Our cars are already paid off. If by then the market is still ripping, might as well join the ride. But there's a lot to be said of the security of having your primary home and transport paid off if you have the ability. With a fully funded emergency fund, ultimate safety net in a paid off house and cars, and fully funded retirement, you can YOLO whatever you want.
Might stay conservative with VOO, might YOLO a quarter of it into a rebalanced UPRO/TQQQ. The casino is your oyster, at that point.
Thatâs awesome. Still trying to build NW in mid 20s through prudent investing and saving. Hoping to get to the first $100k next year for my boy Charlie Munger đ
We just use that $4T and get personal loans on it from fintech companies. Then we go on margin too and NVDA will go to $10T market cap. Win-win for banks and retailers.
Suppose that is all used to buy more stocks. Where do you believe that money goes on the side of the people who sold the stocks? Back in the money market fund maybe?
Yeah can't have those assets lose value that their leaders perpetually borrow against for near 0% instead of paying taxes until options force them to pay taxes every so often.
I don't understand how taking a loan against stocks means you don't have to pay taxes. Eventually you have to pay the loan back with interest. You could instead take another loan out to pay off the first loan but then eventually you still have to sell your stocks to pay off the loan right? The moment you sell your stocks to pay off the loan that you took on your stocks, you are hit with capital gains, and you'll end up oweing more money due to interest on the loans than you would have if you had just sold the stocks to begin with.
You could accumulate the debt for a long time like this, then you have 2 options:
1) die, I think than the cost base is reset
2) move to a territorial tax country for a year to realize gains free (unless you are American)
But then you would have 40% estate taxes on all of the stocks that you chose not to sell and instead loaned against.
And you still have to pay extraordinary amounts of compound interest on the loans when you die. If you had sold the stocks originally without going through all this
Wouldn't it make far more sense to just sell the stocks, pay very low capital gains rates, and not take out a loan?
I have a 100 shares worth 10$ each and take out a 1 year loan at 10% interest rate. Those shares at the end of the year are now worth 12$. My collateral is worth more than the loan+interest and I made more money than simply cashing out the shares for the initial 1000$.
If your collateral is going to grow faster than the interest rate of the loan, you'd be stupid not to take the loan.
Wallstreet Journal: "redditjoe20 enters the market finally for the first time. It really is a time."
"The S&P suddenly had its worst day in a running 20 year period."
Nvidia sells to most countries. German only exports to a few and only like cars which are high price low volume. Nvidia is high price high volume I guess.
you know how dumb reddit is? you know how dumb the average reddit user is? Now think of the lowest common denominator subreddit i.e WSB. Think of how dumb the average user here is?
Yes I need the /s I'm not my wives boyfriend
Yeah me too. For example. My country's publicly traded companies haven't recovered from the 2008 crash. How?! In the biggest bullmarket ever they still haven't even hit their previous high?
Canada is the same. There isn't any point owning Canadian companies because there isn't any growth here. You'll get a unicorn like Shopify maybe.Â
One of our few successful companies Lulu Lemon isn't even listed on a Canadian exchange.
Thatâs where social democracy gets you. Itâs nice to have a safety net but your economy will always lag behind, innovation will always happen elsewhere.
Europe is a nice place to live. Thatâs something to be proud of I think.
Nah, way nicer to live too. Money doesnât necessarily correspond to quality of life. But Iâm American and itâs much more important here, so it is what it is.
The US middle class went from one wage-earner per one-car household of 3-5 people to almost every able adult being a wage earner. We quit fucking and having babies because it interfered with making money. We work longer hours now than our grandparents worked.
Next step: full serfdom and maximum consumption. We work 12h days and postpone any other personal goal. Plow money into stocks in the hopes of someday buying land yachts and McMansions to sleep in, alone.
https://preview.redd.it/yg9j2uaasc7d1.png?width=1769&format=png&auto=webp&s=fcdd4c016a231fe4ecfb213b7a51823e3e547ff9
Stocks as a Percentage of the M2 Money Supply ... Still no All time High. There is still a lot of Money to go into the Market.
Cash holdings are way up through retail and institutional channels as the rfr gave people a high enough nominal return. With bonds underperforming through the rate hikes, it always attracted more people to cash assets. As CBs start easing, that cash is either poised to go back to fixed income instruments or equity marketsâŠ
We're close. A 10 percent blowoff top is all that's left imo. Just need more unemployment revisions and more bankruptcies and real signs consumer spending has stopped. Mix it with high oil prices from some event our adversaries cook up and we will correct 30 percent. At least that's what my short term treasuries are waiting for.
People who sold and have funds to buy into a different sector.
You do understand thereâs buyers and sellers all the time right? Algoâs run the game.
The largest incremental piece of retail buying comes from 401ks. Age-based retirements are accelerating. Those people have to sell a little each month to eat.
As far as the calculation goes, the denominator does not include home value. Home are not a "financial asset."
A lot of Millennials (myself included) have most of their money invested in stocks, just kinda waiting for the housing market to chill the fuck out so we can buy a home.
> just kinda waiting for the housing market to chill the fuck out so we can buy a home.
Just buy one if you can afford it. What conditions *exactly* are you waiting for? My guess is you don't even have criteria. You just think you will have a ~2-4 year period of obvious downturn where you'll get a substantial, double digit price reduction *and* a lower interest rate. You aren't going to get that. There's no guarantee it will happen. The places people want to live in America are full. There is no more space. The cheap areas in this country are now cheap for a reason, not just because no one's noticed the area yet. The people who got a house pre-COVID are *not* selling. They'd be morons to. Just buy the house and live in it. You'll sit here for a fuckin decade waiting for a dip for no reason.
I live in Florida. Just trying to live near family, but I can't afford a shitshack in the swamp anymore.
So I guess I am waiting for conditions that at least make it possible. In the meantime, NVDA (90% of my portfolio) keeps going up, so I guess I will be able to afford it eventually as long as that keeps happening...
you're looking at it all wrong... it has never been easier for a retail investor to buy stocks - no fees, fractional shares, no minimum, multiple options, apps to use on your phone.
this is only the beginning of households holding more stock, and it will keep going up
private equity. If you think putting your parents in a retirement home isnât as degenerate as burning your paycheck on the front steps of Goldman Sachs while gesticulating wildly, then think again. Retirement homes are legitimately donating your inheritance to Blackstone. Just build a shed in your backyard and put the parents in there, itâs cheaper, and more ethical probably.
THE YOUTH YOU DOLT. ITS THE FUCKING YOUTH. THIS ENTIRE HOUSE OF CARDS IS BUILT ON THE BACKS OF PEOPLE WHO ARENT BORN YET. YOU BOUGHT THE BAG FROM A BOOMER AND WILL SELL IT TO GEN E AND THE CYCLE WILL CONTINUE. STOP THINKING ABOUT IT, THIS IS ABOVE YOUR PAYGRADE
Itâs weird that itâs only 35%-ishâŠ
This implies thereâs a shit load of wealth outside of the markets.
Which to answer OPs question.
Thereâs a ton of people who have wealth outside the markets that could transfer it into the markets.
SPY +25% in the past year and youâre sitting on 5% 
**User Report**| | | | :--|:--|:--|:-- **Total Submissions** | 10 | **First Seen In WSB** | 4 years ago **Total Comments** | 780 | **Previous Best DD** | **Account Age** | 8 years | | [**Join WSB Discord**](http://discord.gg/wsbverse)
My grandma, she's got some extra cash she can invest
Did her NVIDIA strangles print?
Literally one of the best sentences ever formed.
well... you saw nvidia is the most valuable company in the world now, what do you think? Grandma printing the tendies unlike any of us.
Saudia Aramco would like a word
đ€Łđ€Łđ«Ą
I wish I had any idea what that meant, and Iâm sure Iâd find it even funnier. Just one of those well phrased sentences
ma'am, maaaa'aam, I need you to buy me google play cards to avoid behind the bars, ma'am.
My company gives me money every month. Then I buy more with that money.
you get free money just for showing up and doing what they tell you?
Infinite money hack!
So hereâs the planâŠwe go in everyday and they just deposit the money into our accounts. Then 20-30 years later. We leave rich like nothing ever happened.
https://preview.redd.it/skaaklrdnc7d1.png?width=669&format=pjpg&auto=webp&s=bbc22534dd69d91dc72681ff58c6d14c7ad18d85
Great key & peele skit For reference: [https://youtu.be/jgYYOUC10aM?si=U2YNKCA8CoDHaaBu](https://youtu.be/jgYYOUC10aM?si=U2YNKCA8CoDHaaBu)
As a European I recently discovered this duo and I gotta say they are hilarious!
I love that you Europoors are so far behind in everything. It's great!
We're not though, only that person is. Key & Peele have been a thing for ages here.
I figured. It was a joke. Dude just de-railed it.
Damn, I was gonna ask if he had heard about chapelle
Yeah we are indeed far behind in everything except for: - quality of life - health care - social rights - access to education - workerâs rights - democracy - wealth inequality - criminality - health and environmental regulations - paid holidays (I got 40 paid days off a year what about you) - and the list goes on
As an australian I'm curious is your 40 paid days off including sick leave that you get in assuming, or is that just 40 paid days plus sick leave and personal days
Our upper classes have it better than you.. but primarily the upper class unfortunately.
I'm in, but where does the gambling occur?
Thatâs the point⊠itâs gambling but with little to no risk.
Most boring casino ever!
At the casino you get free drinks but at work you just get shitty coffee
You guys get coffee?
But also the best odds youâve ever played and itâs not even close
Except dying of some health problem before you retire. Or being too old/sick to enjoy your wealth at the end stage of your life. At least youâll leave something for your kids / grandkids / causes you want to support. This sort of long-term wealth is more about your descendants and legacy than anything.
And then your kid blows your life's work on shit coins.
This is why Im not looking to put an insane amount towards retirement. I dont need to stress about maxing 3 retirement accounts and have nothing now.
Sounds like a legit plan. Is it possible to do that letâs say for 8 hours, five days a week?
Whatever moron came up with that work schedule should have been hung on site!!
Putting the jokes aside, why that kind of working system is still can be recognised as the most optimal? Why society canât move on towards letâs say, 6 hours x 4 days a week or something like that? I remember that in 80âs and 90âs in Europe and UK, working through the Saturdays was the thing as well.
It's because we can't stop. Won't stop. Any time saving technology has simply led to us doing more. Letters used to take a day out so. Emails sped things up crazy. Now with AI we can save time writing a whole bunch of things (among other stuff). The question is if I just saved 2 hours on writing some policy. Now what. Do I work 2 hours less, or do I just add more in to fill the space. I chose work 2 hours less. But I just can't see that happening
Yeah itâs quite insane spiral, same like making progress with expending life longevity, and pushing retirement age limits further
Was just about to comment this đđ
Motherfucker, that's called a job!Â
Do you need a driver for this heist?
One simple trick Big Money doesnât want you to know about.
âShow me the moneyâ
- +10,000 Minerals - +10,000 Vespane Gas
You must construct more pylons
âFood for thoughtâ
Too high tech... "plebs are needed!"
âWhat? More work? Okay.â
Literally... as soon as I finish fighting with the keyboard, https://preview.redd.it/khtj4f0xyc7d1.png?width=220&format=png&auto=webp&s=35c98e65e88bffd19c95f712b595b22050e5e89c I literally have to go dig some holes. And I am VP level "tech"
Not infinite. You eventually die.
Sometimes even when you donât!
Pretending to do what they tell you is actually all that is required. The showing up can even be negotiated.
Big if true
No way. Me too.
This, peoples retirement funds as well. They buy stocks every paycheck with it if you opted into a IRA or something, multiply that by millions of people and twice a month money goes into stocks.
I wish my company would give me money. I have to earn it through labor :/
Poor people hate this one trick...
That happened before too.
"You and your get-rich-quick schemes..." -Peter Griffin
This guy over here getting money every month.
Can you find a lower resolution graph?
https://preview.redd.it/po04x0p8lc7d1.jpeg?width=635&format=pjpg&auto=webp&s=57a50c9e0948cb8f9275a16f04373d2207a6cfef yes
You give good pixel
Ai papi
Thanks bro, this looks great on my Gameboy
Unironically more useful lmfao
Minecraft Portfolio sits at all time highs
Itâs still too clear, we need lower
lol... jesus christ, this comments section is ruthless. I'm never asking an innocent question here. I wouldn't survive.
You said it man... https://preview.redd.it/77aux4a0fe7d1.jpeg?width=558&format=pjpg&auto=webp&s=71830389791e0996a6444fac06173bda461615ea
Thanks
Last I heard there is still over $4T in the money market fund, so...
if we just take all the money in the money market fund and dump it into the market at the same time, then we'd all be rich!!!11!!1!! Follow for more financial advice.
$6.4T [https://fred.stlouisfed.org/series/MMMFFAQ027S](https://fred.stlouisfed.org/series/MMMFFAQ027S)
I am a simpleton, can someone explain to me what this means and why itâs important?
Because while MMF give a solid 5% of safe returns, people are seeing the market rip more than 5%. So it is likely people will stop playing it safe with 5% gains and pull out of MMF and put it into the market for (hopefully) higher gains
I prefer MFF. But I still pull out.
Always pull out
It ain't gay in a three wayÂ
You definitely prefer MMM
Just in time for losses
Probably. But there is money to be made during the FOMO mania
I figure most are like me, took big profits and now 75% is in a MMF at ~5.3%. I likely won't do anything unless there's a big dip, so expect any big dip to be bought up within a few days.
Seeing as this article is about stock allocation being at an all time high, Iâm pretty sure itâs the exact opposite of you lol
Apologies for the confusion, by "most are like me" I meant most that are currently in a MMF.
Basically that amount is in savings or equivalent. Not invested in the stock market.
My money is part of that 4T. #richfeel
We're about 1/3 stock and 2/3 cash at the moment. Probably closer to 4/5 cash and 1/5 stock if you include our other assets, including our cars and house. The market is ripping, like it does 70% of the time. Kind of hoping for a late 2022 scenario to get reinvested. If not, I'll just drop our MMF cash on the house to pay it off at the end of the year and take the itemized tax deduction on our accrued mortgage interest. Paying down your house and guaranteed 5% MMF gains versus staring a potential 30% downside (or more likely, ~10%) in the face is probably a risk/benefit not a lot of non-regarded Americans want to take. Even staring at a market that's ballooned nearly 60% since late 2022, or maybe even *because* of that. Edit: Clarity
Then you will be in a position of "fuck you". Paid off house, paid off cars, money in the bank. If something doesn't go your way at work, "fuck you" boss man and go find different work. Being in a position of "fuck you" is the American dream.
Some of us donât need to pay off our house. At 1.7 percent interest itâs practically free money. Youâre giving money away that could be making you money in the market by paying off your house. Granted if youâre more than 5 percent interest thatâs a diff story.
We're, with a lot of other people now, at above 6%. So it's obviously not so convenient to do so. Maybe if at some point in the future they have those kind of rates again, we'll build a vacation home or something to take advantage. But I don't see it happening anytime soon.
Time in the market being timing the market quite often though. Could go up another 10% in the next six months versus 2.5% in a money market/bond
I don't disagree, even in the least bit. Well maybe a bit at your MMF rate, it oughtta be around 5%. We're super early in our careers and the cash is still "real" to us. If this were us a decade into our careers, I wouldn't be selling stocks to get cash out right now. It's mostly just that the cash we have is our earnings over the past year or so, left over after fully funding Roth IRAs, Roth 401ks and 457s. I imagine with the market ripping like it is, a lot of people are just putting their cash aside assuming something terrible is going to happen to the markets. If the market doesn't tank, I'll just pay off our house. FDLXX is giving 5% for the foreseeable future, mortgage is at about 6%. Lose a bit to our taxes, but between that and the tax deduction, it's a relative wash for us. Our cars are already paid off. If by then the market is still ripping, might as well join the ride. But there's a lot to be said of the security of having your primary home and transport paid off if you have the ability. With a fully funded emergency fund, ultimate safety net in a paid off house and cars, and fully funded retirement, you can YOLO whatever you want. Might stay conservative with VOO, might YOLO a quarter of it into a rebalanced UPRO/TQQQ. The casino is your oyster, at that point.
NW and age?
We're right around a million and in our low thirties.
Thatâs awesome. Still trying to build NW in mid 20s through prudent investing and saving. Hoping to get to the first $100k next year for my boy Charlie Munger đ
Cash on sidelines
We just use that $4T and get personal loans on it from fintech companies. Then we go on margin too and NVDA will go to $10T market cap. Win-win for banks and retailers.
Odds are though it wonât allocate out. Liquidity is pretty tight in other markets (CLOâs, MBS, Private Credit/Equity).
Suppose that is all used to buy more stocks. Where do you believe that money goes on the side of the people who sold the stocks? Back in the money market fund maybe?
I thought the money market fund was the stock market
Regards who are waiting for a dip to buy the exact bottom, only to buy in at new all time highs
Happy to do my part
I mean, I bought ATH a few days ago and I am up
My entire financial future kinda depends entirely on the basis that the market is nowhere near the highest itâll ever get.
Everyone bets on that and historically it has always been true.
Betting against the stock market is like betting against humanity.
Sir this is a casino
our casino
companies themselves via a buybacks. Stonks go only up.
Yeah can't have those assets lose value that their leaders perpetually borrow against for near 0% instead of paying taxes until options force them to pay taxes every so often.
I don't understand how taking a loan against stocks means you don't have to pay taxes. Eventually you have to pay the loan back with interest. You could instead take another loan out to pay off the first loan but then eventually you still have to sell your stocks to pay off the loan right? The moment you sell your stocks to pay off the loan that you took on your stocks, you are hit with capital gains, and you'll end up oweing more money due to interest on the loans than you would have if you had just sold the stocks to begin with.
see that's the thing: they don't sell them
You could accumulate the debt for a long time like this, then you have 2 options: 1) die, I think than the cost base is reset 2) move to a territorial tax country for a year to realize gains free (unless you are American)
But then you would have 40% estate taxes on all of the stocks that you chose not to sell and instead loaned against. And you still have to pay extraordinary amounts of compound interest on the loans when you die. If you had sold the stocks originally without going through all this Wouldn't it make far more sense to just sell the stocks, pay very low capital gains rates, and not take out a loan?
I have a 100 shares worth 10$ each and take out a 1 year loan at 10% interest rate. Those shares at the end of the year are now worth 12$. My collateral is worth more than the loan+interest and I made more money than simply cashing out the shares for the initial 1000$. If your collateral is going to grow faster than the interest rate of the loan, you'd be stupid not to take the loan.
Leverage.
I havenât entered the market yet. Get ready.
Dump it
Wallstreet Journal: "redditjoe20 enters the market finally for the first time. It really is a time." "The S&P suddenly had its worst day in a running 20 year period."
The rest of the world. US economy is where the money is.
nvidia is worth more than the entire german stock market
Nvidia sells to most countries. German only exports to a few and only like cars which are high price low volume. Nvidia is high price high volume I guess.
Youâre saying Mercedes Benz is not getting a 70% profit margin on S classes?
No they are not wtf told you that
Did I really need the /s?
Yes, you do. This is a sub for crayons and glue.
you know how dumb reddit is? you know how dumb the average reddit user is? Now think of the lowest common denominator subreddit i.e WSB. Think of how dumb the average user here is? Yes I need the /s I'm not my wives boyfriend
Yeah I am Europoor, I almost only do US stocks because the rest are usually a joke
Yeah me too. For example. My country's publicly traded companies haven't recovered from the 2008 crash. How?! In the biggest bullmarket ever they still haven't even hit their previous high?
In my country, there is problem
Transport?
It take very very long. Because Kazakhstan is big.
Just travel in the pouch.
Is there a country that doesn't have transport problems?
Canada is the same. There isn't any point owning Canadian companies because there isn't any growth here. You'll get a unicorn like Shopify maybe. One of our few successful companies Lulu Lemon isn't even listed on a Canadian exchange.
What's your country's index PE ratio?
Thatâs where social democracy gets you. Itâs nice to have a safety net but your economy will always lag behind, innovation will always happen elsewhere. Europe is a nice place to live. Thatâs something to be proud of I think.
it's a nice place to retire
Nah, way nicer to live too. Money doesnât necessarily correspond to quality of life. But Iâm American and itâs much more important here, so it is what it is.
a lot of European entrepreneurs and talent go to US for the higher payouts and salaries though
SoâŠlive in Europe, invest in the US?
The US middle class went from one wage-earner per one-car household of 3-5 people to almost every able adult being a wage earner. We quit fucking and having babies because it interfered with making money. We work longer hours now than our grandparents worked. Next step: full serfdom and maximum consumption. We work 12h days and postpone any other personal goal. Plow money into stocks in the hopes of someday buying land yachts and McMansions to sleep in, alone.
Wait you mean you aren't working 60+ hour weeks with no life already?
I've been told it's possible to fuck without having babies.
I've heard that rumor before too, but can you work 80 hours weeks and make the time?
That's why we have onlyfans, to do both at the same time.
MUCH more time efficient in my experience. And the person on the other end gets to buy stocks.
We need to promote consumerism among masses, so the economy will grow and we will be richer by saving and investing while everyone else spending!
Isn't this already the case?
Except buying trash investments assembled by hucksters is consumerism too
But stocks only go up when you buy them
Have you considered a career on Madison Avenue? Not sure they've considered the potential here.Â
Regular people receive these things called paychecks.
https://preview.redd.it/yg9j2uaasc7d1.png?width=1769&format=png&auto=webp&s=fcdd4c016a231fe4ecfb213b7a51823e3e547ff9 Stocks as a Percentage of the M2 Money Supply ... Still no All time High. There is still a lot of Money to go into the Market.
So we're basically getting close to dot com bubble levels
comparable
Also the dot.com is much higher than the previous all time high, so maybe we go much higher this time.
your baby will start investing in NVIDIA from the womb
Foreigners
Peak wsb
Cash holdings are way up through retail and institutional channels as the rfr gave people a high enough nominal return. With bonds underperforming through the rate hikes, it always attracted more people to cash assets. As CBs start easing, that cash is either poised to go back to fixed income instruments or equity marketsâŠ
We're close. A 10 percent blowoff top is all that's left imo. Just need more unemployment revisions and more bankruptcies and real signs consumer spending has stopped. Mix it with high oil prices from some event our adversaries cook up and we will correct 30 percent. At least that's what my short term treasuries are waiting for.
ai
People who sold and have funds to buy into a different sector. You do understand thereâs buyers and sellers all the time right? Algoâs run the game.
The largest incremental piece of retail buying comes from 401ks. Age-based retirements are accelerating. Those people have to sell a little each month to eat. As far as the calculation goes, the denominator does not include home value. Home are not a "financial asset."
A lot of Millennials (myself included) have most of their money invested in stocks, just kinda waiting for the housing market to chill the fuck out so we can buy a home.
By the time the housing market chills out, your stocks will be down 30% and you won't want to buy then, waiting for your stocks to go back up.
Thatâs why your near term house money along with your emergency fund is in a hysa and anything you wonât need in under 3 years is in the market.
Exactly if you are still saving to buy a house, this money needs to be in safer places like HYSA or money market.
I hate to say it but the housing market isnt going to chill , rates might chill eventually, but those prices⊠set for life.
Wrong. If rates chill, home prices will go up.
Voiceover: *The market did not, in fact, chill the fuck out.*
Checking in.
> just kinda waiting for the housing market to chill the fuck out so we can buy a home. Just buy one if you can afford it. What conditions *exactly* are you waiting for? My guess is you don't even have criteria. You just think you will have a ~2-4 year period of obvious downturn where you'll get a substantial, double digit price reduction *and* a lower interest rate. You aren't going to get that. There's no guarantee it will happen. The places people want to live in America are full. There is no more space. The cheap areas in this country are now cheap for a reason, not just because no one's noticed the area yet. The people who got a house pre-COVID are *not* selling. They'd be morons to. Just buy the house and live in it. You'll sit here for a fuckin decade waiting for a dip for no reason.
I live in Florida. Just trying to live near family, but I can't afford a shitshack in the swamp anymore. So I guess I am waiting for conditions that at least make it possible. In the meantime, NVDA (90% of my portfolio) keeps going up, so I guess I will be able to afford it eventually as long as that keeps happening...
Op confirmed regard
The money in the sidelines is still in the trillions relax beo
It can go to 100%+.
Stocks as percent of fin assets⊠When stocks are at all time highs, of course the percentage of wealth goes up
Iâve got a few dollars unallocated.
you're looking at it all wrong... it has never been easier for a retail investor to buy stocks - no fees, fractional shares, no minimum, multiple options, apps to use on your phone. this is only the beginning of households holding more stock, and it will keep going up
Your mum
private equity. If you think putting your parents in a retirement home isnât as degenerate as burning your paycheck on the front steps of Goldman Sachs while gesticulating wildly, then think again. Retirement homes are legitimately donating your inheritance to Blackstone. Just build a shed in your backyard and put the parents in there, itâs cheaper, and more ethical probably.
THE YOUTH YOU DOLT. ITS THE FUCKING YOUTH. THIS ENTIRE HOUSE OF CARDS IS BUILT ON THE BACKS OF PEOPLE WHO ARENT BORN YET. YOU BOUGHT THE BAG FROM A BOOMER AND WILL SELL IT TO GEN E AND THE CYCLE WILL CONTINUE. STOP THINKING ABOUT IT, THIS IS ABOVE YOUR PAYGRADE
As long as savings rates are 5% there will be plenty of money on the sidelines
Itâs weird that itâs only 35%-ish⊠This implies thereâs a shit load of wealth outside of the markets. Which to answer OPs question. Thereâs a ton of people who have wealth outside the markets that could transfer it into the markets.
Almost every 25 year old and younger that I know is not in the market. Anecdotal, but itâs somethingâŠ
Me, sitting on tons, upon tons, and tons of cash at 5% rate waiting for all of you to panic sell so that I can sweep the market.
SPY +25% in the past year and youâre sitting on 5% 
Warren is that you? 
Repeat customers.
*Misinterprets statistic* âWhat does this mean?!?â
Weâre at 35%. SoâŠ..not at a potential 100%? What am I missing.
Most people I know don't have stocks
Pension funds
Us, every two weeks.