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Do you understand that you are the ringleaders in some sort of psychotic financial underground fight club ? This year has been outrageous and retarded at the same time and somehow. Because all of us morons got together on here - we made money during something awful. During The worst thing we’ve ever imagined. Have you seen the movie, Contagion?? Dude that’s a walk in the park compared to the real world right now. It’s expected to report as a ThrilleHorror. - but missed my estimates for a weak drama. This post represents how god damn retarded we all are- and at the same time, it shows us how fucking beautiful we all are. Wallstreetbets, was all we had this year. and WE FUCKING CRUSHED IT. How many stocks were we right about? That Jim Cramer told us not to Buy. But because the memes were so Funny. We bought low and got to sell waaaay high Electric vehicles anyone? Yea then when the stocks we keep defending sky rocket to the moon and we use the power of the autist army DD - months later Cramer tells us he likes wallstreetbets. Yea you do jimmy So do I . Hahahahahaha Life is a video game I made enough money trading on my cell phone to pay for my entire education - not need a job while I put myself thru school YOLO’ing way too much money into meme stocks for shits and giggles and waking up to 100%+ returns ON MY ENTIRE SAVINGS MULTIPLE WEEKS IN A ROW. And I’m not alone I hope everyone here gets to experience the power of holding a stock when Jim Cramer tells you it’s not any good. Then it goes up 1000%+. If you thought you ever doubted anything you read, imagine making 690% returns on $XPEV in October when JiMMy BoY Told us that NoThiNG cOULd EvEr Do WhAt niO DiD AgAin. SIT DOWN : XPEV NIO TSLA TWTR SNAP PINS And ; FB was $30 too - 10 years ago . Social media digital marketing explosion in your face. I feel like the Incredible Hulk right now.
The biggest fucking train wreck disaster we’ve ever seen. But us retards pulled thru it. Some of us changed our fucking lives forever.
Like me. Because of this stupid forum and all of you idiots- my life has been changed forever I fucking love you guys so much Thru all of this bullshit I racked up over $40k profits this year. How the fuck does that happen I only had $8k to my name. What the f.. Idk what I’m doing. and now, PETER SCHIFF FOLLOWS ME ON INSTAGRAM. right place at the right time. Here’s my story: I found you idiots at the beginning of this pandemic. Feb 2020 I was, Depressed, Scared, Bored Angry Everything. I had Lost my job. I was deemed non-essential. I couldn’t get unemployment but got $1200 in mail. That helps for sure. Like think about this ok: $8k + $1200 = ?% ... you know ? He added more than 10% to my net worth. Right? Legit increase. So thank you for that bro. Talk shit on it all ya want but that’s a legit percent increase from D, lol. That allowed me to over leverage way more than I was used to. I stumble onto this Shitshow of a Reddit called wallstreetbets. where everyone is insulting each other. And it’s hilarious. In March, of 2020: I start trading options and really ramping up my risk. I’m in and out of $AAPL calls every 2-3 days making $300-700 per week trading which is fucking awesome for me. Sometimes over a thousand bucks a week For 20 weeks roughly. Simple math and smart trading. Sort of. I think It’s a version of Buffett’s compounding interest. Make $1k per week for 25 weeks = Make $25k Simple. Easy Now I’m smarts as Waeren BuFét . I don’t have any way to make money buttttt now I’m deemed not essential as a medical device salesman. Trading is paying my bills. My friends are interested. I keep throwing in 100%+ of my account into trades. So stupid. And by May, 2020 = It KEEPS WORKING. And we are all encouraging each other like maniacs on here lol. By June = I’m up $20,000 on the year. And guys I don’t care what you say. I know it is a small profit, compared to some of the madness on here but... To me. It’s a lot of money. Percentage-wise I’m up wayyyyy beyond normal A whole lot of money and - I have no clue any other way to make money. I made $18k total money, in 2019. And lost a little money in the stock market. and then 2020 pandemic was the nail in my sales business’ coffin. And I’m poor as Dick when the pandemic hit. My savings, I had about $8k left. . I’ve never had too much money but I work hard. And at this point all I can think is that I know I cannot give up And trust me I wanted to give up. In February and March I thought I’d become one of these suicides because I became so depressed about the virus and my wife was becoming sick. She was diagnosed with lupus and man I didn’t know how hard life could be. I would never leave her side so I push forward for us. Let’s do this Time to fight the boss. I had never been tested like this with so much hardships. You know you hear stories about people who have very bad struggles, and never think you’ll be like that, because you work hard, but sometimes - a pandemic crushes your income to $00.00 The gov won’t pay you anything and your wife is deemed terminally ill. And then all of her hair falls out But despite all of this, By May of 2020: I’d already made my 2019 salary in few months. I don’t fully understand what is happening but I keep reading. I Keep studying at nights. Understanding stocks further. I Keep reading WSB. It is working. I’m able to pay my bills and rent and eat And put gas in my car And get coffee in the morning. Something I’d never had spare cash to do really, multiple months in a row now from trading- I’m able to live better than ever. But I’m up all night studying I’m chomping adderall to push thru the shit because in my mind I couldn’t go to bed yet I need to learn I need to take this opportunity. I’d think to myself, “This is never going to happen again,” So I’d rationalize staying up till 4:30am to catch pre-market opening bell and buy 1000 shares pre-market and then exit them at 9am. Trade options till 3pm then crash hard because it’s earnings day and you can’t miss this Shit. legitimate degeneracy. I’m not starving because I’m a trader? “Ok push forward,” I tell myself. “You can do this.” STAYING MOTIVATED THRU THE DARKNESS. my gains were steady until the end of the summer when my portfolio Doubled bc of Instagram . I thought I had made all the money in the world. Over 100% gains. Little did I know i was about to 100% the 100% The most incredible thing happened, Randomly, one day I smoke a fat fat joint and put in like 2 hours making a meme video for you tardos because I’m so high... I’ve never done it before. My first meme video is born When I post the video on my Instagram, I tag Peter Schiff , Peter Schiff’s wife shouts me out - and Peter shouts me out. And I’m eating dinner with my wife. And I see that notification. “Peter Schiff has followed you” I look at my girl like waaaaaait a second. Read that to me......... Then my phone... I’ve never seen it come to life Like this. HAS ANYONE EXPERIENCE THIS BEFORE? Peter and his wife shout me out on Instagram, and the wave of followers that came to my page was UNREAL. Turns out - Peter and his wife are legit 2 of the coolest people on planet earth. And they are both part of my 23 followers. Lol Whaaaaaaaaaat. He was on Joe Rogan guys. What. (I have had this account for years and am posting constantly on it with ZERO interaction. Maybe 1-3 like per post. Posting 10x per week. Why tf do I need a personal Instagram? - let’s talk stocks b). “Whaaaaaat is happening!?!?” I decide to go big. If fuckin Schiff is into what I’m saying. LETS FUCKIN GO. I walk into the wallstreet casino (market open) In early July 2020 - I put everything on fuckn $SLV boyz. I had about 40 contracts and over 500 shares (Once again, I know this position sounds small, but understand me- This is all the money I have. So it was a true god damn yolo in the Purest of its many forms. I’m so mother fuckin proud of this trade. It changed my life forever). By the end of July I’ve almost doubled my money. By late Aug early September 2020 You saw what happened to silver. Rockets to the moon then crashes back to earth I had made the perfect trade I bought a pair of silver AirMax 97’s the day I sold my position. To celebrate bc it was so unreal to me to make that kind of money so fast. I was up up +$40k on the year. $SLV was at $28.50 the day I decided to sell I Bounce. I sell it all. Instead of diamond hands. I spin a total 180 on my silver theories about it going to $50/oz and I sell everything and take all of my profits. I got a bad feeling. I started reading about JP Morgan. And then the ultimate red flag The slimy reptiles on tv began saying silver is good. Annnnnd I was like NOPE CANT LISTEN TO LIZARDS EVER EVEN IF THEY AGREE WITH YOU and I exited the entire position HAHAHAHA while people told me if I hold till December Ill make $150k. OKAY how’s that working out ? Because silver can’t fail - and it’s definitely going to $50/oz; by December. Because the COMEX. Bla bla bla. Manipulation move on. Only hold physical. Period. Anyway I don’t care what they say. This profit I made. is WAY MORE MONEY than I’m used to. $40k total profit and the year isn’t over - I take it I sell all my $SLV positions. In the following days after I sell- $SLV absolutely collapses from $29 to $22 Are. You. Kidding. Me. I can’t believe it. I did the yolo. Again It worked. And I fucking sold at the right time. I decide that’s enough. I’m gonna use this to pay for an education to work in surgical technology. I apply and I’m number 6 on the waiting list to get into class. But they say that it’s possible. So I wait. ... maybe I can really pull off the greatest thing I’ve ever done and get my shit back together. Dr. Jordan Peterson taught us to choose the best thing we can think of- how we can help People. Also, choose a job that is one you can be good at. Then shoot for that. That’s the goal. Thanks doc I get a call on oct 17th from the school. Oct 17. Is Eminem’s birthday. I started school 2 days later. I know some will make fun of this career, but... it’s essential. Pay is awesome for me. I like to work with my hands. this is an excellent, “trade-based,” Job for me- Because I will be good at it and make money. Pandemic made me change my attitude towards work. No man is above a job and if you have a trade you can work with your hands - then you will always have income. As long as you have hands. And if you have income, you can trade like a retard forever. If you can trade, you can make $40k on your cell phone without a job in a pandemic. Stand up, and scream at the top of your lungs if you feel me on this. Is anyone even reading this shit anymore? Seriously. If you understand what I’m saying, aka- If you were fucking BROKE and you made more money, in 2020 somehow, than you ever have in your life- You are a fucking legend. And so am I. WE WERE BUILT FOR THIS SHIT. So, I drop $25k for school. I swap $15k of my profits into physical silver bc of taxes are good. I swap the physical silver for cash, to eat when I’m hungry and live on when I need to now. And my physical silver I got at $25/oz is worth over $30/oz today. . And I still have my original $8k in investments , which I’ve (to date) turned into about +$18,500 literally, by just trading whatever is trending on an app called Stocktwits. Then searching WallStreet bets for The ticker and see if You retards are talking about it yet or not. Huge W I finish school on 09.09.2021 I will have a job that day and income All of this happened because of WallStreetBets. Things were so dark. So bad. No future. No prospects at all in business but bros... I was fucking trading. Like a complete fucking idiot And making money. And I still can’t believe it. I cannot believe this happened. PULLED UP TO THE PARTY IN A PINTO LIKE IT WAS A PORSCHE and I can’t believe I made all this money following this sTupid ass Reddit website and 100% autistic, over-leveraged, retarded meme trading the entire year. Huge Respect to WSB. This place was the light at the end of a dark tunnel. Seriously. Thank you so much. All of you. You saved my life. What a fuckin trip. We are immortalized. We made history in 2020. Merry Christmas Retards ~edit • • • • • • • • • My wife is much better (her hair grew back) and I’m having a baby boy this March. I’ll be working as an essential surgical technologist by the fall of 2021. I’m an idiot and a pussy I only will put $100 at risk in any trade - and I don’t can’t what anyone says about that. because my life is forever changed for the better, because of this forum Now ... The shitshow is not over. 2020 was a springboard for some shiiiiit 2021 we are coming into a commodity boom I think. Get ready for 100x more Madness TL:DR - $IPOC 19 FEB 2021 $15C
Lost in the Sauce: Trump, Cruz, and Gohmert team up to incite election-related violence
Welcome to Lost in the Sauce, keeping you caught up on political and legal news that often gets buried in distractions and theater… or a global health crisis. Housekeeping:
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I put the latest info on Trump's phone call to Raffensperger in this comment.
According to experts, Trump’s conduct has potential criminal exposure:
A federal statute makes it a crime when one “knowingly and willfully … attempts to deprive or defraud the residents of a State of a fair and impartially conducted election process, by … the procurement, casting, or tabulation of ballots that are known by the person to be materially false, fictitious, or fraudulent under the laws of the State in which the election is held.” A Georgia statute similarly provides that a “person commits the offense of criminal solicitation to commit election fraud in the first degree when, with intent that another person engage in conduct constituting a felony under this article, he or she solicits, requests, commands, importunes, or otherwise attempts to cause the other person to engage in such conduct.” …The hard part for prosecutors would be proving Trump’s state of mind, because the statutes require proof of knowledge and intent. Prosecutors would have to show that Trump knew that Biden fairly won the election, and Trump was asking for Georgia officials to commit election fraud. And it’s not clear prosecutors could make that case.
At least 12 Republican senators plan to challenge Biden’s Electoral College win on Jan. 6, when Congress is set to officially count the votes. The effort is being led by Sen. Ted Cruz (R-Tex.) and includes Sens. Ron Johnson (R-Wis.), James Lankford (R-Okla.), Steve Daines (R-Mont.), John Kennedy (R-La.), Marsha Blackburn (R-Tenn.), and Mike Braun (R-Ind.), as well as new Senators Cynthia Lummis (R-Wyo.), Roger Marshall (R-Kan.), Bill Hagerty (R-Tenn.), and Tommy Tuberville (R-Ala.). Separately, Sen. Josh Hawley (R-Missouri) is pursuing a similar plan.
"Congress should immediately appoint an Electoral Commission, with full investigatory and fact-finding authority, to conduct an emergency 10-day audit of the election returns in the disputed states. Once completed, individual states would evaluate the Commission’s findings and could convene a special legislative session to certify a change in their vote, if needed," the senators said in a joint statement. “Accordingly, we intend to vote on Jan. 6 to reject the electors from disputed states as not ‘regularly given’ and ‘lawfully certified’ (the statutory requisite), unless and until that emergency 10-day audit is completed."
Their plan is not going to succeed in preventing Biden from taking office, as majorities in both the House and the Senate would need to support a challenge against a state’s electoral votes. For an objection to be made, at least one member of both the House and Senate would need to submit it in writing. Then, the House and Senate separately convene to consider the issue. Debate is limited to two hours for each objection. After debate concludes, the House and Senate vote to uphold the objection and throw out the state’s votes. If the majority of the House AND the majority of the Senate does not uphold the objection, the state’s electoral votes are counted as cast.
Vice President Mike Pence’s role is simply to preside over the joint session, opening and presenting the certifications from each state. In his absence, the Senate pro-tempore Sen. Chuck Grassley (R-Iowa) will lead the session. At the end of the process, the presiding officer announces who has won the majority of votes for president and vice president.
The most immediate danger from Trump and Cruz’s doomed election gambit is rightwing terrorism and general violence: Trump, in particular, is inciting his supporters to swarm D.C. on Jan. 6. “JANUARY SIXTH, SEE YOU IN DC!” Trump tweeted last week. Four rightwing rallies are scheduled, including one headlined by George Papadopoulos and Roger Stone. The Proud Boys and other extremists are planning to attend the rallies and may set up an “armed encampment” on the National Mall, according to the Washington Post. On social media platform Parler, the leader of the Proud Boys said that members will be there “incognito” and may “dress in all black” to impersonate leftwing protestors.
Enrique Tarrio: "The ProudBoys will turn out in record numbers on Jan 6th but this time with a twist...We will not be wearing our traditional Black and Yellow. We will be incognito and we will spread across downtown DC in smaller teams."
Rep. Louie Gohmert has more explicitly tried to incite violence, saying the failure of his legal challenge to the election means “you gotta go the streets and be as violent as Antifa and BLM.” (clip)
At the same time, pro-Trump lawyer Lin Wood suggested that Pence could “face execution by firing squad” for “treason” if he doesn’t go along with the attempt to subvert the election.
Obstructing the transition
Biden’s transition director has accused the Office of Management and Budget of stonewalling the incoming administration’s team. OMB Director Russ Vought is not allowing key staff to meet with the transition team to help prepare the president-elect’s first annual spending plan, a move that could delay major proposals. Vought pushed back on the charges, saying that his agency needs to focus on finalizing the Trump administration’s regulations before the president leaves office.
“OMB leadership’s refusal to fully cooperate impairs our ability to identify opportunities to maximize the relief going out to Americans during the pandemic, and it leaves us in the dark as it relates to Covid-related expenditures and critical gaps,” [Biden transition Exec. Dir. Yohannes] Abraham said.
Earlier last week, Biden himself said Trump officials are not cooperating with his team, singling out the Defense Department for obstructing information on crucial national security issues. “Right now, we just aren’t getting all the information that we need from the outgoing administration in key national security areas. It’s nothing short, in my view, of irresponsibility,” Biden said. The Defense Dept. finally scheduled meetings with the incoming team this week, after not briefing the transition for weeks.
The timing of the resumption in meetings is notable because it comes after the one year anniversary of the U.S. assassination of Iranian Maj. Gen. Qassem Soleimani on Jan. 3. NATO officials are reportedly worried about the lack of coordination from the Trump administration: "We need the incoming Biden administration to be fully briefed and ready to deal with these very dangerous issues facing NATO's security."
Sabotaging the Biden Administration
U.S. Agency for Global Media CEO Michael Pack is taking steps to keep control of Radio Free Europe and Radio Free Asia during the Biden administration. As chairman of the boards of Radio Free Europe and Asia, Pack and his fellow members have added binding contractual agreements that will make it impossible to remove him or other pro-Trump allies from the board in the next two years.
In other words, although President-elect Joe Biden has already signaled he intends to replace Pack as CEO of the parent agency soon after taking office in January, Pack would maintain a significant degree of control over the networks.
The State Department is likely to designate Cuba as a state sponsor of terrorism “as an 11th hour effort to create hurdles for the incoming Biden administration.” The label, which requires the approval of Secretary of State Mike Pompeo, would undo a major accomplishment of the Obama administration. To take Cuba back off the list, the Biden team would need to conduct a formal review, a process that might take several months.
Such a designation would impose restrictions on US foreign assistance, a ban on defense exports and sales, certain controls over exports and various financial restrictions. It would also result in penalization against any persons and countries engaging in certain trade activities with Cuba.
The Trump administration has been rushing to finalize a myriad of rules before Biden’s inauguration. Since Election Day, the Trump administration has issued about three to four times as many new regulations as it did during other periods of Trump’s presidency. Rules that haven’t been finalized or taken effect can be suspended by an incoming president, which Biden has said he intends to do. By contrast, rules that are finalized can take months, or even years, to undo.
“As a general rule, it takes at least as much process to undo or modify a rule as it does to put the rule in place,” said Jonathan H. Adler, a professor and an administrative law expert at Case Western Reserve University School of Law. “The Trump administration is magnifying that challenge for the Biden administration.”
Trump loyalists are urging the president to stymie Biden’s efforts to rejoin the Paris climate agreement and the Iran nuclear deal. Sens. Ted Cruz and Lindsey Graham are working to get the agreements submitted to the Senate for ratification, requiring a two-thirds vote, with the goal of failure. While such an outcome wouldn’t prevent Biden from rejoining the accords, Cruz and Graham hope it would make their resurrection more problematic.
A vote against them would signal GOP opposition to the world and, they hope, undermine any unilateral action by Biden to rejoin the agreements. One senior congressional aide told RCP that sending them to die in the Senate “would be the final nail in the coffin.”
Further reading: “Biden To Be Saddled With Trump’s Payroll Tax Deferral Mess,” Forbes. Further reading: Biden will inherit a backlog of tens of thousands of visa requests from the wars in Iraq and Afghanistan — and a bureaucratic tangle that refugee advocates say President Trump ignored or made worse.
Trump money and properties
Manhattan District Attorney Cyrus Vance is employing forensic accounting specialists to examine Trump’s finances and business operations. Vance is looking “for anomalies among a variety of property deals” and trying to determine “whether the president’s company manipulated the value of certain assets to obtain favorable interest rates and tax breaks”.
The analysts hired by Vance probably have already reviewed various bank and mortgage records obtained from Trump’s company as part of the ongoing grand jury investigation, and they could be called on to testify about their findings should the district attorney eventually bring criminal charges
In yet another shady business deal connected to Trump, the United States sold the ambassador’s residence in Israel for more than $67 million. The person who bought the residence is none other than Trump mega-donor Sheldon Adelson. The property only became available due to Trump's controversial decision to relocate the U.S. Embassy from Tel Aviv to contested Jerusalem. Furthermore, State Dept. representatives reportedly lied to Congress about the sale, perhaps to hide that Adelson purposefully overbid.
For now, there is no alternative residence for the ambassador, David Friedman, Trump’s former lawyer, who currently uses a suite at Jerusalem’s King David Hotel or rooms at the former Jerusalem Consulate General when he spends nights in Jerusalem… As a result, the United States appears likely to end up leasing the residence it has owned since 1964 from the GOP-affiliated casino mogul. “It is very strange that we are now paying Sheldon Adelson,” a congressional aide told The Daily Beast. “It is not above board. We have a number of questions. Did they get two independent appraisals? Was it a sweetheart deal? Was Adelson the highest donor? Was there a reason to sell it now?”
Trump’s businesses have taken in $10.5 million of donor money over the course of his presidency. $8.5 million came from the Trump campaign and related entities that Trump controls directly; $2 million came from other Republican candidates and committees. The biggest beneficiary was Trump’s NYC hotel, taking in $3,039,979 over the four years of his presidency, with $891,003 of that in just the final four months of the campaign. Trump’s DC hotel is ramping up room prices and requiring a two-night minimum stay for two key events this month, as the president tries to squeeze more profit out of his office. On Jan. 6, when Congress is set to formally count the votes cast by the Electoral College, room rates are listed at over eight times the price of surrounding dates. Trump is encouraging his supporters to attend a protest of Biden’s win on the 6th. A room during the inauguration costs five times the normal rate, at $2,225 per night. Trump’s Turnberry Resort in Scotland posted a £2.3 million ($3.1 million) loss in 2019, marking the sixth year in a row it has failed to turn a profit under his ownership. Since Trump took over the historic property in 2014, its losses now total nearly £45 million ($61.5 million).
The fact Turnberry remains in the red comes in spite of significant tranches of payments it has received from the US government during Mr Trump’s single term in office… the US Secret Service spent nearly £25,000 to accommodate its agents at the resort during business trips by Mr Trump’s son, Eric, an executive vice-president of the family firm. Since Mr Trump’s election, the property has received close to £300,000 from the Secret Service, US State Department, and US Defence Department
A Florida state lawmaker is calling for Mar-a-Lago to be penalized - and possibly shut down - for flouting coronavirus restrictions during a New Years Eve party. While Trump and the first lady did not attend, son Don Jr., attorney Rudy Giuliani, Rep. Matt Gaetz, and Fox News personality Jeanine Piro were captured on video among the maskless crowd. Guests paid as much as $1,000 for access to the ballroom to be entertained by Vanilla Ice.
State Rep. Omari Hardy: “My constituents are not snowbirds like @DonaldJTrumpJr & @kimguilfoyle. My constituents live here. This is their home, and they're going to have to deal w/ the consequences of a potential super-spreader party at Mar-a-Lago long after Junior & wife leave here on their private jet.”
Are you ready for a Donald J. Trump Airport? According to the Daily Beast, Trump has been asking aides about the process of naming airports after former U.S. presidents. Further reading: “Jared Kushner’s family real estate business wants to raise at least $100 million in capital through Israel’s bond market… Kushner has helped spearhead a series of moves that have been applauded by the conservative pro-Israel community, including moving the U.S. Embassy to Jerusalem from Tel Aviv and recognizing Israeli sovereignty in disputed areas such as the Golan Heights. Kushner also has close ties to Israel’s prime minister, Benjamin Netanyahu.”
The Census Bureau missed it’s end-of-year deadline to produce numbers that determine representation in Congress and the Electoral College for the next decade. The agency is working toward Jan. 9 as an internal target date for completing the current stage of processing records. "If we miss Jan. 9, it's hard to envision that we would get apportionment done before inauguration," a Census employee told NPR.
The final timing of the 2020 census results' release could undermine President Trump's efforts to make an unprecedented change to who is counted in key census numbers before leaving office… If the first census results are not ready until after Trump's term ends on Jan. 20, it would be President-elect Joe Biden, not Trump, who would get control of the numbers, which are ultimately handed off to Congress for certification.
Yes, it's my truck and No, I won't help you move and No, you can't buy it for 50 bucks!
This is long, so grab a cup of coffee, tea, or whatever keeps you happy and reading. I live in a senior housing community for people aged 55 and older. We all have identical 1-bedroom cottages that’s set up in groups of four or quads so that all of our front doors face inward toward each other. So, if I open my front door, I have a very clear view of the front doors of my 3 neighbors and because I am in the back of this quad, I also have a view of the parking area. I think the purpose of grouping the houses this way was to create a friendly and safe atmosphere; however, it’s just creepy in a “you have no privacy” kind of way. I am F57, disabled, and have a 16-year-old pickup truck that gets me where I need to go most of the time. If you’ve ever owned a pickup truck, you’ll understand my frustration. If you haven’t owned one, talk to anyone who has and they will tell you that according to friends, family, acquaintances, neighbors, and even complete strangers, you have it so that you can help them move, haul furniture or a tree they cut down, and anything else they can’t fit in the trunk of their car. AND because it is a pickup truck, it can be mistreated, abused, dented, scratched, beaten up, and treated like a piece of heavy construction equipment and you shouldn’t care because well. . . it’s a truck. I have a neighbor (F - about 65 years old) that has kind of made a pest of herself since the day I moved in. I’ve done my best to be neighborly, nice, and accommodating, but each time I interact with her, I’m left feeling used. The neighbor, let's call her Karen, has come over pretending to want to visit with me, which she does for about 2 minutes, and then asks me for something. In the 3 years that I’ve been here, she’s asked me to set up 2 TVs (at different times), take a new alarm clock out of its packaging and then teach her how to operate it. I’ve been asked to fill out her food stamp paperwork, fill out information for her lease renewal, read a piece of mail to her and explain it because she didn’t understand it, to take her places and to “loan” her money for the bus. That’s just a few. Now that you get the idea of what I’ve dealt with before, it’s time for the story. One Monday morning, Karen comes beating on my door (she does what I call a “cop knock” – loud, hard, and repeated) around 8 a.m., waking me up. (I am a night owl, by the way.) I go to the door and she is standing there holding her natural gas bill telling me how she needed a ride to the gas company's office to talk to them about paying the bill and hands me the bill. I look at it, hoping to find a phone number for her to call, but there isn't one, but I do see that her bill is for about $17. So, I take her across town with her providing the directions since I had never been to this building (the gas company did not have an office in town, so I guess this was maybe a payment center). I drop her at the front, park, and wait for her. Karen comes out saying that they can't help her there and asks me if she should just call them to make arrangements to make payments since she didn't have the money. I tell her that's what I would do and bring her back home. We basically made this trip for nothing. Two days later, there is another loud, repeated banging on my door waking me up just before 9 a.m. Karen is back and seems to be a little frantic. She needs a ride again. This time she's very vague about why she wants to go, but left me with the impression that something was going to get turned off, repossessed, or turned over to collections if she didn't go. She's also vague as to where she wants to go. She keeps tell me that it's down by the casino, across the street from the gas station. I told her I'd take her but she would have to point me in the right direction since I've never been to the casino. She gives me turn by turn directions until she has me turn left onto the entrance road for the casino. I'm looking around for any other businesses or even the gas station and I'm not seeing anything other than the casino in front of us and open land on either side. So, I ask her where am I supposed to be dropping her. Karen points to an upcoming sign and says, "See the sign that says 'Valet'? Just follow that sign." Yep, you guessed it, Karen had me drop her at the front entrance to the casino. She'd lied to me by omission. She didn't ask me to take her to the casino (which I would probably have done since it's none of my business how she spends her money), she asked me to take her to a business near the casino. Yeah, well, I wasn't happy. On Monday she couldn't afford to pay her $17 gas bill and on Wednesday she's going to the casino by tricking me into taking her. A week goes by and I am in the office paying my rent when Karen comes in. Karen: Why didn’t you tell me you were coming here today. Girl, I just walked all the way here. Me: Didn’t know you needed a ride. I can give you a ride back to the house if you would like. I wait while Karen pays her rent and we walk out together. Now, I’m expecting to get in my truck and drive the 4 blocks back to my house. Karen had another idea. Karen: Take me to Everything’s Cheap store. Me: Where? Karen: To Everything’s Cheap. Just turn here at the stop sign and I’ll show you. It’s not far. Me: Karen, I’m going to take you there, but I’m not shopping and I’m not going to sit in the parking lot and wait for you. You’ll have to get another ride home or walk. Karen: It’s fine. I won’t be long. I drop her at the front door and I go home. A couple of hours later, she bangs on my door. Karen: Where did my ride go? Me: Home. I told you that I wasn’t going to wait for you. Karen: I had all my stuff that I had to carry home. Now my back hurts. Me: I’m sorry, but I warned you. Karen walks away muttering things that I didn’t understand and slammed her door. Skip ahead several months and I run into Karen again as I am paying my rent. She wants me to give her a ride to the Social Security office. I tell her that I can't as my truck is not running right and I can't get too far from home in it until I get it check out and fixed. My truck started having issues and it's been difficult trying to get it fixed with lock-down, a back issue that left me bedridden for several weeks, and 2 major hurricanes this year (there’s nothing major wrong with the truck - just needs a new starter and gaskets to fix an oil leak that's caused the starter to go bad). Karen: But it's just a few blocks away and it's hot out here. Me: I can't trust my truck not to leave me stranded with no way to get it home. Karen: It will be fine. Me: Maybe, but I'm not willing to risk it. Karen slaps the side of my truck and continues on her walk and I go home in my truck. Another 3 days go by and more banging on my door and again I am awakened (it's 7:15 a.m.). This time I'm angry and I snatched the door open. Me: What? Karen (standing there with her purse and house keys in her hand as if she knows I'll say yes): I need to go to the mattress store. I need to pick up my new queen size mattress. Me: No. My truck still isn't running right. Karen: But I need your truck to haul the mattress home. Me: No. Karen: It's not a heavy mattress. Me: Oh, so who’s going to help you get it in and out of my truck and carry it into your house? Karen: The two of us can do it. Me: Karen, I have degenerative disk disease. The disks in my spine are disintegrating. I can't lift nor carry a mattress even with someone helping. Karen: But I already bought it. How am I going to get it home? Me: Call friends or family to help you. Karen: They don't have a truck and you do! Me: Yes, I have a truck, but there is no sign anywhere on it that says Free Moving Company. I close the door on her and go back to bed. An hour later, more knocking. This time, it's an older man. Man 1: Excuse me, but is that your truck? (He points at my truck in the parking lot.) Me: Yes. Man 1: I have an upright piano I need to move and was wondering if I could use your truck. Me: No. (I glance over at the neighbor's house and I see her peeking through a crack in her door - I have a sneaking suspicion she has put this guy up to this to see if I would help him.) Man 1: You can drive the truck. I just need to have the piano hauled to my storage unit. Me: How are you going to get an upright piano into the bed of my truck? Man 1: I'll just roll it up a ramp and into the back. Me: Do you know how much an upright piano weighs? One person can't push it up a ramp. If you use a ramp on my tailgate, you will break the tailgate and probably lose the piano in the process. My truck is large, but the rear end is not made for hauling a piano and will cause the front end to lift off the ground preventing my front wheel drive truck from gaining traction and straining my 16-year-old engine. Man 1: Well, could you call 4 or 5 of your male friends to help lift it into the back of the truck? Me: No! I close the door on this man, too. He didn’t come right out and say it, but I felt like he wanted to borrow my truck so he could go pick up the mattress for Karen. Yeah, I’m a little suspicious. The following morning . . . *sigh* . . . I ignore the knocking that occurs every half hour or so over a 3-hour period until she finally gives up. Later that afternoon, I open my door to get the mail out of my box when a second man approaches me out of nowhere. It’s like he was hiding around the corner waiting for me to come out of my house. Man 2 (points at my truck - it irritates me every time someone does this): Is that your truck? Me (feeling very annoyed and snarky): What gave it away? Is it because it's parked in a space clearly labeled with my house number? Or is it because someone told you who the truck belonged to? (I point at Karen's house.) Man 2: Does it run? Me: Listen, I don't know what you're wanting me pick up, deliver, move, haul, transport, or tow, but I am not a moving company, taxi, uber, delivery service, or a tow truck. I won't be doing any of those things and before you ask, I won't be allowing you or anyone else to drive my truck either. Now, do you have any other questions? Man 2: Uh, do you want to sell it? Me: What?! Why would I want to sell it? Man 2: Well, since it needs fixing, I thought maybe you would want to sell it to someone who could afford to fix it. Me: How do you know it needs fixing? Man 2 (turns bright red and can't take his eyes off ground): I just thought if you sold it, you could buy something else and I could fix the truck. Me: Tell Karen that I'm not selling you my truck so that you can fix it to give to her. Man 2: I wasn't going to give it to her. Me (pointing at his huge truck parked in Karen's designated space): You want me to believe that you would rather have my 16-year-old truck that needs repair than your brand-new truck? How stupid do you think I am? As the older man silently stares at the ground, Karen flings her door open and marches up to me. Karen: Just sell him your truck so he can fix it. You clearly aren't going to do it any time soon. At least I will put it to good use. I need it and I need it more than you apparently do. Now, he’s willing to get it fixed for me, so just sell him the damn truck already! Me: My truck is not for sale! When or if I get my truck fixed is absolutely none of your business. Karen: I’m going to call the office and tell them that you have a broken-down truck sitting in the parking lot that needs to be hauled to the junk yard. They’ll make you get rid of it or fix it. Man 2: Karen, they can’t do anything to her . . . Karen cuts him off. She’s so angry, she’s crying, shaking, and spitting as she screams Karen: SHUT UP! STAY OUT OF THIS. I WANT THAT TRUCK AND I’M GOING TO GET IT! I’LL CALL THE POLICE. THEY WILL MAKE HER GET RID OF IT. Man 2: Karen, the police aren’t . . . She cuts him off again. Karen: YES, THEY WILL. THEY'LL LISTEN TO ME. She storms off to call the police. In the meantime, I brought a chair outside along with a can of soda and a bowl of microwave popcorn. I figured this was going to be a good show. Karen and Man 2 have gone inside her house to wait. The neighbor to my left has come out to see what’s going on. Let’s call her Mary. Mary can’t stand Karen, so she drags a chair out and sits next to me and we share my popcorn. Enter Cop 1 and Cop 2 The cops arrive in about 5-6 minutes and walk up to Karen’s door and knock while glancing around at Mary and me and grinning. She answers and tells them that I have created an eyesore in the neighborhood by having an old beat up, broken-down truck sitting in the parking lot and she wants it removed immediately. Cop 1 (pointing at my truck - yep, he does it, too and I can't help but roll my eyes): That truck? Karen: Yes. Cop 1: That truck is clean, shiny, no dents, no scratches, new tires . . . are you sure that’s the eyesore? Karen: Yes. It’s 10 years old and broken and she doesn’t want to fix it. It’s just sitting there doing nothing for months. Me: It’s 16 years old. Cop 2 (spins around, surprised): Seriously? That truck is that old? Wow! It’s in great shape. You’ve taken good care of her. Me: Thank you. Karen: I want that truck gone! Cop 2 walks over to me to discuss my truck’s mechanical history. So, I explain to him that in the 16 years that I have owned her, I have changed her oil every 3-4 months, given her a bath once a month, got her a new set of tires 6 years ago, and when I first began having problems with her starting, I bought a new battery (the old one was the original battery from when I bought the truck off the showroom floor), and when the battery wasn’t the problem, I had a mechanic come and look at it. He determined that it was the starter and the gasket was leaking. All I was waiting on was my friend to come and help me start her (someone needs to get under the truck and tap the starter while someone else turns over the ignition) so that I can get it to the mechanic’s house for him to work on it. Karen: She’s lying. That truck hasn’t moved in 3 months. Me (offering popcorn to Cop 2 who took a handful): Wrong. It hasn’t moved in 4 days. It’s had problems for 3 or 4 months. Cop 1: Ms. Karen, there really isn’t anything the police department can do for you. Her truck definitely isn’t an eyesore nor is it sitting there in pieces creating a safety hazard. Karen: She’s driving down property values. Cop 1 (starts chuckling): Ms. Karen, you are renting a house in government subsidized senior housing. Cop 2: Why don’t you tell us the real reason why you want her truck removed. Mary (who has been silent until now - stands up and turns on her best diva soul-sister voice and attitude and gives the cops the greatest Deep-South Beautiful Black Woman sermon I’ve ever heard – I’ll try to write as best I can): Ohh, Lawd Jesus, help us all! Dis here woman of the night, want everything she can’t have, Lawd! I think it’s cuz she pulls her hair back so tight, Lawd, she can only see what’s in the back o’ her mind! Uh huh! She wants her Old Saggy Boy Toy of the Day here to buy my friend’s pick’em up truck, so she can go and pick’em up, Lawd, mm-hmm, if ya gittin' what I’m sayin’. He buy it and trade it to her for a little roll on her nasty sheets! Lawd Jesus, help us! And she think she all hot and sexy so you believe her and take away my friend’s truck. She a fool, uh huh. She think she can fool you, too, uh huh! How da hell do ya think she got those 2 big ass TVs in there? Mmm-hmm! Cop 1 is bent over laughing hysterically while Cop 2 is standing with his mouth open and his eyes wide. Cop 2 (turns to Man 2): Is any of that true? Man 2 (embarrassed, humiliated, and just looking tired): She wanted the truck and 50 bucks. Karen and Man 2 are arrested. Not sure what the exact charges were but I heard words being thrown around like pandering, solicitation, scamming, and false complaint among others. A couple of days later, Mary told me that Karen returned home. I guess she found a way to get bailed out. I haven’t seen her and I am hoping that I don’t. As for my “pick’em up truck”, I’m still waiting to get her to the mechanic. My friend will be here on his next day off (he doesn't get them often) to help me. It’s a good thing I’m a patient person with a super diva as a friend and neighbor. It's also good to know that my truck is at least worth one 20-minute roll on the sheets and 50 bucks. EDIT: Thanks for the awards everyone! And just a little side note for those of you rolling your eyes at the fact that I offered a cop popcorn and he took it - I live in the Deep South in a small-ish college town. The cops here are helpful, friendly (until provoked), and generally good guys. When construction workers stole from me after Hurricane Laura, two cops came to investigate and afterwards I offered them both a bottle of water and they accepted.
Here on a Sunday night to give you autists some time to cross-check my info, start your RH instant deposit, and let your wife's bf know you're coming back with a vengeance. Here's an in-depth analysis on DraftKings and how to maximize profits over the foreseeable future to squeeze this for every tendie we can. Now that many states face revenue shortfalls due to the coronavirus pandemic and wider budget deficits, there needs to be a push to fill that gap and nothing is better positioned than sports betting. As you all know, $DKNG came to market through a SPAC merging with Diamond Eagle back in April, at the worst of the pandemic when live sports were dead and there was more uncertainty than ever for what was to come. Jason Robins, Draft Kings CEO, has balls of steel and knew that they needed to get to market quickly for a sports betting run-up the likes of which we've never seen. Sports are now on their way back, with a huge amount of positive catalysts coming up in the next few months to skyrocket this stock to the moon and beyond.
I want to clarify that a large amount of my conviction from this play comes from the incredible management team leading the company. CEO Jason Robins is a stand-up guy and has led the company through a huge amount of scrutiny since its founding in 2012. He comes from a data analytics background which could not be a better fit for the sports betting business. He prioritizes the high speed data that fuels the DraftKings platform as its most valuable asset and speaks often on the commitment his team has to ethical values and encouraging a trustworthy environment for its users to gamble their paychecks on the DraftKings platform. I've linked a great interview to get to know the CEO and give further insight into DraftKing's plans moving forward below and highly recommend anyone going in on this play give it a quick watch. Jason is optimistic about the future of state's legalizing mobile sports betting moving forward and says they will continue to invest boatloads of money into customer acquisition costs through TV ads and billboards on a state-by-state basis. Link: https://youtu.be/2OVFB9piEC0 Any of you who have come across DraftKings commercials, YouTube ads, billboards, know that their marketing is on point. This is a great play because DraftKing's expansion has occurred thus far on a state-by-state basis. This means that there's a large part of the nation (actually the majority) that is still ignorant to the sports betting wave that is coming in 2021. DraftKings is positioned extremely well to lead the way into the ~25 states still waiting to pass the bill.
The fact that the top 4 states in the country still have not legalized online sports betting presents a HUGE opportunity to ride this wave with little downside risk. Sports have already gone through the worst-case scenario during COVID shutdowns and survived—now we’ve got a great amount of positive catalysts coming up (NBA season, March madness, Super Bowl, etc.) that the general population is begging for some action on, paired with more money in their pocket from significantly less entertainment costs since the pandemic started. The Wuhan Virus gave DraftKings a shot in the arm to streamline its way into most (if not all) of the remaining state's ballots during Q1 and Q2 due to the huge cut in tax revenues that the lockdowns caused across the country. Governor Cuomo of New York released a statement last week stating he is now considering the passing of mobile sports betting in order to raise the state's tax revenue during a time where Congress completely skipped them over in terms of providing aid through the stimmy. New York is a huge catalyst moving forward. In my opinion, this is a make or break for how things look for DraftKings moving forward, and will largely influence how other states react. Mobile sports betting scares states as it is new and so accessible, but if you do research into the Powerball and other loterry companies, it just took a push in the right direction for states to realize how much money they are leaving on the table by not participating in these emerging markets. Sports betting has already benefited the 9 states which passed the bill (NJ leading the way) and has NY as well as every other governor, feeling major FOMO. Current states where online (mobile) sports betting laws have passed:
Legislation aside, the other huge catalyst is DraftKing's unique approach to owning its own data and proprietary tech stack. I believe that this will be where DKNG separates itself from the competition that is rushing to this space and will give it the upper hand in acquiring, and retaining, a large percentage of new users across opening states. From investor presentation:"Upon close of the business combination, DraftKings will become the only vertically-integrated pure-play sports betting and online gaming company based in the United States. Through the business combination, DraftKings expects to realize synergies by transitioning its risk and trading sports betting platform to SBTech’s, instead of relying on a third-party platform. In addition to reducing costs, DraftKings will control its backend system and product roadmap, differentiating the company from other U.S. operators and giving it the ability to tailor its sports betting product to U.S. sports and users." "SBTech is a global leader in omni-channel sports betting and gaming, with more than 1,200 employees in 10 offices worldwide. Since 2007, the group has developed the industry’s most powerful online sports betting and casino platform, serving licensees in more than 15 regulated territories. SBTech’s clients include many of the world’s premier betting and gaming operators, state lotteries, land-based casinos, horse racing companies, and iGaming start-ups. The group supplies highly flexible betting and gaming solutions to clients looking for exceptional configurability and the quickest route to market, complemented by proven business intelligence and reporting capabilities. The SBTech offering includes its seamless sportsbook, Chameleon360 iGaming platform, managed services, on-property sportsbook and omni-channel solutions that provide players with constant access to sports and casino products across all online, mobile and retail channels. Supported by unrivaled expertise in trading and risk management, acquisition and CRM, and the highest standards of regulatory compliance, SBTech’s partners consistently achieve rapid growth, enhanced brand loyalty and record revenues." DraftKings prioritized OWNING their own backend technology via this merger with SBTech, making them the first, and only company in this space to own their risk and trading platform. This gives DraftKings a huge edge to the rest of the market. It forked up the cash to keep everything in house not only to provide a better customer experience, but also to widen the moat against competitors as new states come onboard. The key here is to clarify that DraftKings and SBTech combined to be the only player in the market with 100% vertical integration and control of their own backend. Jason Robins and the rest of the management team are placing their efforts on having the best technology and the best product and really going all in on owning the U.S. landscape opening up, with as little need for cross-platform interaction as possible. This acquisition of SBTech was a complete game changer because it allowed them to be independent from paying revenue share to a third-party for betting lines and risk management services. Clarification: no other sports betting/fantasy sports/casino company currently has 100% vertical integration on the level that DraftKings has established.
This is where the market is missing the mark. Take the time to read over analyst reports, news articles, and interviews and you'll quickly notice 99% of the general market is completely glazing over DraftKing's iGaming sector. This industry has been a CA$H COW in Europe for awhile now, and is only getting started in the United States. Out of the companies that occupy this space, DraftKings is the only one to create one synergistic platform for Fantasy sports/Sportsbook/iGaming. This will be a huge value proposition that will ultimately rocket DraftKings to the top of the gaming market and solidify it as THE gaming powerhouse moving forward. The infrastructure driving DraftKing's products and Tech (all in one platform) Anyone that's watched the run of Skillz and the hype pushing PaySafe, knows how much anticipation there is for iGaming to become the new norm in the world of gambling. DraftKings has emerged as the market leader in each state they've launched in, and continue to gain more and more market share. Once new users get introduced to their platform, the cross-selling opportunity is limitless and creates an extremely sticky customer acquisition cycle. Competitors like Penn and MGM are dinosaurs in this space and have been playing catch-up to DraftKings since 2012. The new age of gamblers don't want to drive to a physical casino location or buy a home desktop to gamble. Everything will be mobile and run in real-time. DraftKings has been building an incredible live-sports ecosystem (first to market) and innovates the possibilities of what you can bet on a daily basis. Just download the app for yourself and do some exploring. I believe this is going to boom in the TikTok/millennial crowd as more states start to hop onboard.
Pulled from the investor presentation, $DKNG has smashed every one of their 2020 assumptions listed below. For any stats guys out there, I would love to see some models at how much of this market is still up for grabs. DraftKings has positioned themselves to be at the head of this movement, and I believe that 2021 will be the year we really see them take off into triple digits share prices. The catalysts are there, and the market is ripe for the taking. Their projections are extremely conservative and management lets the numbers do the talking. In my opinion, this is a bet on the management putting the dots together to EXECUTE as state legislation starts to go their way, once NY happens this shift will occur rapidly. https://www.sec.gov/Archives/edgadata/1772757/000110465920032214/tm2012476d1_425.htm The management is incredible and truly displays a vision for wanting to prop up shareholder value in the long-term through valuable data, a fully integrated platform, and aggressive customer acquisition to take control of this market as states realize the economic deficits which they are facing going into a new year. This along with the unprecedented hype that is going to be involved with sports events this year, will skyrocket DraftKings to new heights. This is not a bet on sports betting alone, it is a play on a data-heavy and analytically driven behemoth, with strategic partnerships (league, team, and celebrity partnerships) and one of the most aggressive marketing strategies I have ever laid eyes on. The stock soared earlier this years upon news of the Michael Jordan partnership (https://www.cnn.com/2020/09/02/investing/draftkings-michael-jordan-deal/index.html) and there is many, many more big moves in the pipeline.
Long-term I am extremely bullish on people wanting risk to make up a daily part of their lives. The psychology of sports betting resembles that of the lottery and is becoming a must-have for people to have the choice to place bets from the convenience of their mobile phones. We are moving into a future where if risk and leverage are not involved, people will have little interest in dedicating their time to things. This shift can be seen with the boom in retail options trading (shoutout wsb gang) and will have a similar effect in sports, iGaming, and random prop bets/surveys that Draft Kings is innovating heavily in. This is not to mention the infrastructure that DKNG is continuing to build out to rival that of Europe in terms of live sports betting (which makes up three quarters of revenue for online sports books in the UK) and expanding their horizons to lesser betted on sports such as tennis, golf, soccer, etc. If you've gotten this far, congrats you're just a few steps away from striking gold. Any feedback, comments, rebuttals, bear scenarios, etc. please comment. Good luck.
DraftKings has state legislation action coming, incredible management, is data-driven, is vertically integrated/owns its tech stack, has exposure to the full range of new world gaming (Fantasy/Sportsbook/iGaming), and is ahead of its competition forming league, team, and celebrity partnerships. $70c 1/21/22 $90c 1/20/23
to keep on pushing. Many people visit this sub and post after a bad loss. I’ve been there ... we all have. What’s going to happen is after 5-10-20-50 days of not gambling you’re going to feel so accomplished that you’ll have the urge to reward yourself by playing a few hands or betting a couple bucks (or thousands) on the Super Bowl. You need to remind yourself why you are here. Take control of your future and your finances. When you are gambling the difference between $1 and $1000 means nothing as you are so numb to monetary value. “What’s another $1000 bet considering I have already lost 40 times that?” is something I would say to myself before unloading on another game. I am not a financial advisor, but I have experience in economics, finance, and life and feel I can provide some insight as a recovering addict. My situation is a bit different so I will give some insight and feel it’s best to explain my situation. I’m 25 years old and live at home (COVID). I have lived on my own in the Big Apple and have seen both sides of life. One where your parents cover everything and one where you have daily and monthly expenses like rent, utilities, and food. Currently I’m lucky enough where I don’t have expenses, but being the dumbass I was, my expense was paying the bookie. I know many people don’t have the same luxury as I, but it doesn’t mean you can’t still save. I’ve given up the last 2 years of saving and instead gave into this disease. 1) first thing first, personal ban yourself from casinos or online sites. My vice was sports and I had a chat with my bookie and let him know I was struggling. We were able to settle the debt for about half of what I owed. Just ask, it can’t hurt. 2) before you can save you need to pay off whatever outstanding debt you have. Credit cards and fees will continue to build. Once these are at or near $0 you can begin the rebuild. I have (thankfully) never been in debt, but this is certainly where I would start if I was. 3) create a budget. A tight one, to the dollar. Mortgage? Phone? Car? Food? High level looking at the entire month, decide what you can spend and what you can save. 4) CONGRATS!!!! You are debt free. For whats it worth, I will consider phone bills and car payments for what they are, monthly expenses. Factor these into a budget. For some, this step might take 1 month or 10 years. Patience is key. 5) the first exciting part of this whole thing is quitting, the next is clearing of any debts, and now for the grand finale. You can now start to build wealth and add to your future. Depending on your financial security you can decide to add to your savings or opening an investing account (I use Fidelity). Investing in low risk ETFs will continue to gain and gain and gain. 6) if your company offers 401k and match, DO IT. I can’t stress this enough, it’s free money that you can’t touch. Over 3 years of working my 401k has absolutely ballooned. My company matches as well and I can’t withdraw, only add. It’s the perfect scenario for someone still learning how to control their financial future. 7) sit back and watch your money grow. Once you see gains in your investing accounts, you will become invested in learning about different ETFs that it will become a low risk way to “gamble”. Hope this helps. Be patient. The damage is done and the recovery will take some time. Use your new time wisely, you’ll have a lot of it. As someone who constantly bet on sports, I’d sometimes spend 6-7 hours a day watching college basketball games I normally wouldn’t care about or sweating doing research on how to make back the money I lost. Spend this time to learn new things, pick up a new hobby, and apply to new jobs/opportunities to advance your career and increase your salary. Most of all, be excited. Be excited about a life without lying to loved ones, chasing loses, owing people or institutions money. Be excited for a life of stability, even if it takes years to arrive at that point. Don’t let the past you define your future. It is never too late to recover. There will be a point where you’ve made so much progress you think you can go back as a changed person. You can’t. Use whatever you can to remind yourself. One thing I want to add. The most difficult part for me is dealing with the constant regret of losing money. My parents certainly think I’m better off than I am and my bank account could look far better. What helps me is thinking about how fast time flies and how fast you can rebuild if you set your mind to it. Another thing is not comparing myself to others. I always think about how far ahead my friends and classmates are, but in reality everyone deals with different vices. I’m not big into buying material things or smoking, but many people do. These cost money. A lot of it. You really don’t know what other things people are dealing with. I look at gambling as an investment gone wrong.
What to do when a houseguest doesn't want to move out?
I'm really sorry this is super long! This is my first time posting on here, this is not exactly a family member, but it's connected to my mom, so I thought I'd post, I really need help, and I don't know what to do. So, my mom is dating this guy in his 30s. Back in 2015, we were moving out of our apartments into another apartments, and all of a sudden, my mom dropped a bomb saying this guy, me and my 2 siblings call him the "dude", are going to live with us with no warning or introduction. Immediately me and my siblings knew this was going to be bad in the long run, but for some reason, my mom says it was fine. She told us that if he was unemployed, she would kick him out of the house. Smell the BS, yet? Fast forward, in 2017 or so, the dude became unemployed and was just staying home the entire time doing nothing, but just played on his phone. I talked about it with my mom. She told me this. The dude told my mom that he was out "looking for jobs". It was summer vacation for me, so I was home the entire time, and not once did the dude leave the house. Not once! So, he basically lied to my mom. I told my mom that he wasn't out looking for jobs at all, and I reminded her that she said she was going to "kick him out if he became unemployed" but she again, shook it off!!! In 2018, I'm in college again. I was going home for that weekend, so my mom and the dude picked me up. Me and the dude got into a fight, I can't remember the reason why. But, I was lecturing him about something, and he called to my face and in front my mom that I was a "b*tch" and said this "you sound like my mother!" And I replied back, "says the adult arguing at a younger person" Can you smell the immaturity already? I was more furious that my mom didn't defend me, since I was supposed to be you know, her daughter! (I'm the youngest of my 2 siblings) Later that year, me, my mom, the dude, and my friend went to the beach. Apparently, he drove on the freeway pass where you have to pay money to drive on. So it was his fault that we had to pay a bill. I talked my mom again to kick him out of the house, to stop giving him second chances, and again because he called me b*tch. She shrugged it off again, and said it's fine!!!!!!!! You see how I'm getting more frustrated? In 2020, the pandemic and lockdowns hit, my mom and the dude are unemployed, because they worked in a nail salon, and they keep having to be shut down. My 2 siblings still work in a doctors clinic, and the other in a grocery store, while I had to focus on online schooling. (Got hired by 2 jobs this month now yay!) So, apparently today, my mom told me this. The dude hasn't paid his taxes in 2018 and 2019, and I told her that it was illegal, that he could go to jail, and she could go to jail for helping him. She knows that the dude was being stupid. Plus, my mom told me she talked with the dude about moving out of the house and move into his sister's house, because he hasn't really contributed much at all, but he told my mom that he doesn't want to leave. So now I don't know what to do, since he doesn't want to leave? Me, my 2 siblings, the dude, and my mom are all legally adults, so I feel responsible, but my mom is the owner of the apartment space. So for the past 5 years living in the apartments with the dude, we only listed me, my mom, and my 2 siblings as residents of the apartments. I was young, naive, and I thought it was weird, but never knew why. Now I know, and I'm furious! My mom told me to keep quiet about it, and to not tell my sister or my brother. She has a history of keeping secrets from us, like going to the casino. (Infuriating!) So, of course I texted my sister, but I didn't tell my mom, because she gossips everything back to the dude sometimes. My sister says my mom could call the police, but my mom is reluctant to and trying to keep quiet about it, and my sister says there's not much else to do, but she wants him out of the house too. And the most infuriating part is that, all of the dude's stuff is under my mom's name, even his car, because he hasn't paid his taxes, and he has bad credit. Plus, my mom bought a new iphone in October 2020, so she has to pay it off until October 2021, since it's a contract. The even more infuriating part is that, since the dude hasn't paid his taxes, he can't sign up for unemployment money. My mom just received her unemployment money, and is paying off his phone that he can't pay!!! That angers me the most. She's paying for his stuff!!! He's basically a leech I tell you. But, to be fair. My mom isn't a 100% good person either. Ever since this pandemic started, my mom was unemployed, so she couldn't pay her bills, so while my 2 siblings were working, she kept asking them for money, and sometimes for selfish reasons, and she even lost $500 my brother gave her for rent. So last month, I had to use my financial aid money I was saving, to pay off the entire $1200 rent all by myself, my first time paying rent, since my 2 siblings had split off the payment with each other. My sister told me she was getting behind on her bills, and the same with my brother, which they've been both frustrated about. And yes, my mother has used money that my sister gave her for bills on random stuff instead in the past sometimes, so no, I don't think my mom is not in the clear either. Also, the dude and my mom over the years were flirting to each other, but it was still a rocky relationship at times. So, now we're in the present, my mom thinks he's stupid, and does want him to move out. She mentioned this to him, to move back with his sister, but the dude told my mom he doesn't want to leave. My mom told me to keep quiet about it, I texted my sister of course, and she says he's got to go too, but there's not much we can do, since she's listed as the owner or head of the household in our apartments. Now I'm not sure what to do? Please help! It's been a rough couple of months since the pandemic began, we barely have food to eat, and my mom's in debt now since she wasn't able to pay her bills since she was unemployed, which is understandble. I'm so thankful unemployment benefits came in today, so I'm making sure my mom pays off all her bills first. I've been the one in charge to call all her bill companies for the last 10 months or so, since the pandemic started, every 2 weeks, to try to hold off the bills as much as I could. It's been stressful for sure. I'm thankful I got hired for 2 jobs. But, I don't know what to do since the dude doesn't want to leave our apartments, and he's not even related to us at all. I'm a barely 21 female, and I'm still new and naive at being an adult, with all of these bills and taxes. I'm not good with confrontation, and I don't know what to do. I'm worried that I might go to jail or my mom might go to jail, all because of this dude and my mom is a super duper stubborn person that doesn't want to budge, and wanting me to keep quiet and turn a blind eye. My mom isn't the most confrontational person either. I'm worried my mom might get physically hurt. I've never dealt with this situation before. What are even my options if I'm not even the head of the household? Plus, my family has always been really poor too, and I don't have a good relationship with my brother either, since I try to not be in the same room, since he emotionally manipulated and bullies me. My sister and my brother don't talk to each other either. My sister is away right now. Plus, my mom and the dude aren't even married either. I need help! I'm in California and the United States by the way. Sorry again if this was long
Hello Reddit community. Fair warning, this is a very long one. I (33m) met my ex (34f) 16 years ago when I was in high school. Over the internet back in the day when people enjoyed Yahoo Games. We met over the chat in there lol. I am from around Brantford, Ontario, Canada. She was from around Pembroke, Ontario, Canada. I will not bother with going into the long details of our relationship but will say that it is obviously a very long history but it has always been pretty roller coaster like. I will also say that I have a whole host of my own mental issues, like Anger, control, jealousy etc probably stemming from a pretty rough childhood i have had (i am currently in counseling after many years of not doing it). We have 2 children. A 9 year old daughter and a 2 year old daughter. At the time of the beginning of this incident, we were not together and she was living with our daughters and her sister in an apartment about 5 minutes away from me. Around August of 2019, one of the two of them received a phonecall from their father and he revealed that he had been diagnosed with terminal cancer. The two of them and our daughters immediately drove up to Pembroke to spend a week with him. His wife (their stepmom) is a real estate agent in the area. When they returned, the two of them had decided that they wanted to move to Pembroke to help their father. When she told me this, as you would expect, I was not pleased. We got into some huge arguments. While I could understand wanting to help with their father, I was extremely upset about our children being taken away. I calmed down a bit eventually. During this time, they had been talking to their step mother and their step mother found out that renting apartments and renting houses is just as expensive, if not moreso than actually paying the mortgage on your own house. So now they get ideas about owning a house there. Found a house for like 108k. They decide to go to a bank to see about going together on a mortgage. Turns out the sister is so bad with her finances and debt she owes that they decline them. I feel like at this point I should add in that although we may not have been together at that point (and throughout various other points of our history), the love I have for her (and obviously our daughters) has always been very strong. The 3 of them mean the world to me. My ex eventually comes to me. Asks me to go in with her on this mortgage because she knows I have a stable career and good income (im a dealer at the casino here in Brantford for the last 11 years). So her sister is irrelevant in the matter as it would be just hers and my house. Obviously I was not pleased. I talked this over with a few friends and my mom (who is my rock). They thought it was an insane thing to allow. I felt like I was stuck between a rock and a hard place with this decision.
I do this and co sign a mortgage with her. I would be doing this to help her and her sister out and I mean....frankly it would make me feel good to help them be with their family in a sense. But this also means our children and her move 5.5 hours away from me.
I dont allow this and my ex resents me for the rest of my life and it makes any interactions we have in the future horrible and she also would probably financially make it much hard on me (going after more for child support, which at the time I believe I was paying 400 Canadian for our two girls).
I feel like I should also note that we have never been to court for anything. We have no custody agreement, they kind of just....live with her. When they were here in Brantford they were living with her and her sister and I would just come by and visit the three of them whenever I wanted or bring the girls to sleep at my place if I wanted. We've never had child support agreements either, beyond verbal. Anyways...I eventually went through the bank checking on me process and decided to sign for this. From MINUTE ONE when she first told me about all of this, she said to me over and over again that this is just temporary. This is what made it easier on me. Because I knew that we could just grin and bare the distance for about a year to a year and a third. Her father was given 1 year to live btw. So eventually they move on October 18th, 2019. From then until a few months ago I had been going up every other weekend from work to stay with the 3 of them. I went up with them at the beginning as I had a lot of paperwork to sign. I should note that we are BOTH co-owners of this property. 50% each. Same with the mortgage. BUT.....I have never invested a dime in this house. She borrowed a loan from her mother (my ex has never had much money at all) for the down payment of the house. She pays the mortgage and bills on the house. When they were living in Brantford, she worked as a sale associate at a Winners store. When they moved to Pembroke, it was actually a good transition for her as she basically just transferred to the Winners in Pembroke. She eventually got a promotion to a supervisor there making a bit more money. To which she eventually, in October 2020, quit her job. I told her multiple times before she did this that it was a very very bad idea. But she didn't care. Said she just wanted to spend more time with our girls and she didn't get to while working, which is a ridiculous thing to say, because what parent wouldn't want to spend more time with their children. We work to provide a life for them. Around January of 2020, her sister, who has always made rash decisions in her life....decided that she was going to move to Oshawa with some guys shes known for a few years (oshawa is like 4 hours away from Pembroke, 2 hours away from me in Brantford). By doing this....she kinda of double screwed my ex. One way, obviously, was that she was no longer going to be chipping in on bills. The other was that during this entire time that they lived in Pembroke, she didn't have a job (still doesn't, but irrelevant), so she was a free babysitter for my ex to watch over our children. This put my ex in a very uncomfortable position. The two of them really fought over this. When her sister moved out, various friends and family members would chip in a few hours here and there watching our girls, but nobody was consistent. Shes never had a reliable support system. This continued until about the beginning of July 2020. Her sister arrived back at the house in Pembroke one day and discovered that my ex had left our 9 year old to watch our 2 year old for 8 hours a day while she was at work. This had shockingly been going on for 2 weeks. My ex had told me that her father and stepmother would be watching our daughters while she worked, obviously lied to me. So her sister lost her mind when she got there, called Childrens Aid Society and reported it. Waited until my ex got back from work and they got into a huge blow up. The sister left back for Oshawa. My ex called me that same night and told me all of this. I immediately told her that I would come there tonight and take our girls back to my place to help out for an indefinite amount of time. I left at 1030 that night and drove through the night except for a power nap and got there at like 8am. My daughters and I left later that night to come back to Brantford. They stayed with me for a month and a half from the beginning of July to lateish August. We had an absolute blast together. During this time, my ex was in a very dark place. She was very depressed about me "taking our girls away", as insulting as that is. She was also dealing with health issues at the time which eventually required emergency gall bladder removal. She was sidelined from work for about 2 weeks, sleeping like 18 hours a day. During this time, she apparently decided that she wants a lot more tattoos. So she was talking to a girlfriend from work about this and her friend told her that she should get in contact with her cousin or something. A guy who would give her tattoos for free or at least very cheap. Obviously everyone knows that the words free and tattoos never go well together. So they started hanging out and she started paying this person in Tom Hortons and pizza slices for tattoos. For real. Obviously I havent huge divulged in my own mental issues, but if you knew me.....you would know this does not sit well with me. I started being very accusatory and jealous. Saying to her over and over "oh, this is your new bf then eh?" Constantly she would say over and over again, "OP, stop being such an idiot. Hes just a friend. We've met each other at very dark times in each other's lives and we enjoy our time together." Eventually I brought the girls back to Pembroke. School was going to be starting back for my 9 year old. She had found a day care for our 2 year old. Everything seemed like it was set in place. Now we are at about October 2020. This person is coming over to our house in Pembroke all the time or my ex and our girls are going there. I should mention that my 9 year old has said repeatedly that she does not feel comfortable around this person and finds him very weird. Says he's nice to her and her baby sister but he just doesn't seem to care much and he just makes her feel odd and he's weird and she doesn't care to be around him. So as this is going on....my jealousy back in Brantford is getting worse and worse. It got to the point that there was a night when this person made a supper for the 4 of them and I was talking to my daughter on the phone and she told me about this meal that they had and it was very very good. This didn't sit well with me. We finished our chat and I was texting my ex and told her something along the lines of "this is absolute bullshit. This is some husband and wife shit. I feel very uncomfortable with this person around our children." She basically said, again, that I was being ridiculous and that they are extremely good friends and this is what best friends do. I lost my temper and basically told her over text, "fuck this shit. Im done. I just....I dont want anything to do with any of this now. Enjoy your family of four." I should say obviously I dont actually want to revoke any sort of rights I was just jealous and angry and hurt. Let's fast forward a bit more. November of 2020. Now, they seem to be sleeping over there at this persons house pretty much every night. Which is super fucking weird as like I told you guys.....my daughter does not like this. She finds it very uncomfortable. At this point, due to covid among other factors....I really haven't seen them in about 2 months beyond video chat. I had started a new job but had a string of 5 days off in a row. Decided to make a bit of a rash judgement and drive up there to surprise my girls. But I wont lie, it was also because I was getting increasingly nervous. I arrive there on a Friday night at like 630 pm. I figured they were over there as there was no one at the house we owned (tbh probably a good thing as it avoids the confrontation). I asked my ex over text if she could come back to the house so I could hang out with the 3 of them. It didn't go well. She says "OP, are you insane??! We have not been on good terms lately, why would you think this would go well? I will bring the girls back but im not staying there." Than I just lost it. "This is absolutely ridiculous. I wanted to spend time with all of you." "I will not be staying there." "OK....well....I guess you had better just not come back then cuz I can tell you if you do....I will follow you to that house." "Omg are you insane? I'm calling the cops this is insane"blah blah. It never happened. We calmed down and I eventually stayed in the house for the night. She brought our girls over in the afternoon while she did grocery shopping but they already had plans to go out with her cousin to look at Christmas lights that night. I was invited to come but it would've been way too awkward. I just drove the 5.5 hours home. It just got worse from here when I got home. This is like beginning of December. The very next day her father passes. Soon afterwards, she announces to me that they are no longer going to be moving back. Im absolutely floored and beyond hurt. Huge fighting ensues. It gets very nasty with her saying terrible stuff like she will go for full custody, etc etc. I remind her that we had a deal to move back after her father passed and that she can't do this with our kids. She says she is not stopping me from seeing them. Willing to meet every weekend for me to have them. This is no life. This is no life to formulate a good relationship with our daughters. This is beyond cruel. She claims im the bad one as im trying to force our daughters out of the house they love and the school our 9 year old loves and the quiet neighborhood. So.....now its about mid December. I am getting them to stay with me from December 27th- January 9th (they are here now). Its probably about the 21st at this point and she decides to announce to me that they are a couple and have been for a month now. Obviously im crushed. Shes said so many times all she ever wanted was for us to work out. Wanted me and her forever. Wouldn't have ever happened if it wasn't for my poor behavior and all that. But shes happy now she says. Many many days of crying ensue. Rage and anger. Jealousy. Insane insane jealousy. Here comes the creeper parts. So. Over the last 2 or so months I've learned some details. Dude apparently has a child on the way with a woman but she moved 5 hours away from him when she first found out she's pregnant (probably should've been a red flag for my ex). Guy works in the military in Petawawa, a town nearby Pembroke. Big, big military town. Hes a chef or some such shit there. Now....im not condoning my next actions. My eldest daughter had made me wary of this person as well as obviously my jealousy. I started doing some social media digging. Found out who his ex is. Started a very awkward dialogue with her one day (around the 23rd or something). It blossomed into actual conversation for days on end. Turns out, according to her and some serious shit she showed me during our many, many conversations.....this guy is seriously trouble. Massive control issues (I know...pot meet kettle), manipulation and grooming. On multiple occasions this guy would hold knives to her and threaten if she ever left him that he'd fucking end her or himself. Many many times of beating her up both verbally and physically (I saw a bunch of pretty bad pictures). Use to choke her out against a wall until she passed out and then would proceed to have his way with her.....really messed up stuff. Heres the real kicker. Curious how these two met? Not sure exactly how they met....but how they ended up actually getting together and having a 4 year relationship is because.......they both came into the relationship positive for genital herpes. Genital friggin herpes. He cheated on her many, many times during their relationship (apparently grounds for firing from the military). During these times that he's cheated on her....he apparently infected multiple people with this STI. He was scared moreso when a few women tried to confront him over text or other social media claiming that they wanted to get in contact with him and would sue (apparently thats a thing, I didnt know), than when his girlfriend found out as he knew he could smooth over the fact he cheated on her because he had her groomed and scared. So obviously he has not told my ex this, even though his ex that I've been speaking with literally described where exactly they are in his house as shes been living there for 4 years (up until about may/June 2020). I confronted my ex about all of this stuff. She wasn't hearing any of it. Doesn't believe anything. Laughed me off. Says he's treated her nothing but good since theyfe been together. Said she won't put up with anything bad, not even once, but nothing has happened. Only thing that gave her any kind of pause was when I told her that literally less than a month ago he was texting his ex, asking her to "please come back, please come back to me. You are my everything. I want to spend the rest of my life with yiu" etc etc. So clearly this guy doesn't give a damn about my ex and she is just the current thing for him to pass his time with. So. I think we are just about at the end of the story. Not much else has happened since that as, like I mentioned much earlier, I've had our daughters with me since dec 27th, until Jan 8th (for now). Oh. Actually.....one thing. She continues to show incredibly poor parenting skills. During this time that they've been with me.....sometimes around the 29th....she has actually gotten him to move in with them at OUR house. This is so beyond messed up. One month dating and this happens. Our kids don't even like him. Like I said earlier, my 9 year old has said he's very weird and strange and makes her uncomfortable. But she claims she's doing this all in the best interest of them. She justifies this because this guy is now apparently renting out rooms to two people at his house while chipping in some bills at our house. So the dude is using her as a cheap place to crash (the mortgage on our house in Pembroke is literally like 330$ a month), while he profits off his house. I have thought of doing multiple (probably bad) things, but I feel like someone needs to stop this terrible person before he hurts people beyond just my ex. I have definitely thought of contacting the Petawawa Military Police and telling them about all the horrible things I know about this person and telling them to check his medical files (the military doctor issues this guy his herpes medication, Valtrex). Ive also thought about sending him a pretty serious message, though that will probably amount to nothing. I can provide what I've typed up already about it if someone wants those details. I will finish this off with the legal questions.
She is scared as she thinks I can force the sale of the house as a co owner. Can I? Would I have a chance?
Am I able to get them to move back? I realize thats a multi layered question. Having a verbal deal I also realize probably looks bad on me....but even if she denies that this deal ever happened....why on earth would I ever just randomly allow our children to be moved 6 hours away forever? No sane person would.
I want this monster away from our children. Is it unwise to try and work up the balls to talk to military police?
Its to the point that I dont even feel comfortable bringing our children back to meet up with her halfway on Jan 9th. Like I stated previously, we've never had any sort of custody arrangements. So, in my eyes, neither of us are more allowed to have the children than the other. What are my options here?
If yiu made it all the way here.....thank you for your time. I cant express enough gratitude. This has absolutely been the year from hell for me, even without covid. TL;DR- ex and I had an agreement to move back with our children. Shes backing out of this. What are the options. Do I have a case? New guy in the picture very much scares me and our children are seriously uncomfortable. Can I do anything? Co own a house together. 50/50 split. What can be done about this to force the sale and potentially get things going in my favour?
I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.
Section Zero: Background Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career. My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents. Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances. Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed. Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me. At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though. Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment. Section One: Assets and Debt Retirement Balance If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
401k: $34,127 (5% company match on contributions)
Brokerage: $22,421 ESPP
Roth IRA: $40,615 VTIVX
Rollover IRA: $15,760 VTTHX
Other Brokerage: $7,235 VTI
Coinbase: $1,286 ETH (mostly just playing around with it)
Equity if you're a homeowner Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Current Equity: $80,371
Savings account balance: $3,073 Checking account balance: $7,800 Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance. Student loan debt: Traditionally no student loan debt as mentioned in Section Zero. Section Two: Income Income Progression (listed as gross income with cost of living area): High School
$11/hourMCOL - Helped with small family business.
College and first “career” job
$12-19/hour MCOL - I did events/banquet serving after classes and had an internship doing software administration.
$22/hour MCOL - Junior web developer. I realized after a year that programming was not my calling.
Mental health break
$12/hour LCOL - Work holiday abroad. I got a steady banquet server job for that whole time. It was enough to live minimally in a hostel, do weekend trips, WOOF and figure my life out.
College (again) and second “career” job
$12-15/hour LCOL - Decided to go back to school for a different bachelor's degree. While pursuing that degree, I worked at hotels and events as a banquet server again. I also did “search engine evaluation” whenever there were tasks available.
$36,000/year salary LCOL - Software administrator at a casino after graduation.
$39,000/year salary LCOL - Systemsanalyst at same casino. I left after 2 years, feeling disillusioned with the casino industry. I moved back home with my parents until I could get back on my feet again.
Third “career” jobs
$20/hour HCOL - Entry level advertising role. I was applying to all types of office jobs and that was my only bite.
$45/hour MCOL - Cold-called from a global company who needed someone with my software administrator experience from the casino job. It was an 8 month contract. Although I was starting to love my advertising job, the increase in pay was no question.
$65,000/year salary MCOL - After the contract ended and a few months of unemployment, I landed my current job at the same company. It is an “early career” role according to their job levels.
$66,900/year salary MCOL - Cost of living and merit increases after 2 years on the job. Pre-COVID we got a $5000 bonus each year. They have now stopped bonuses as well as all COL and merit increases.
Main Job Monthly Take Home: Monthly Net (paid bi-weekly): $2,758 Deductions:
Side Gig Monthly Take Home: No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage. Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term. Section Three: Expenses Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself. Regular Monthly Payment: $1677.57
Taxes & Home Insurance: $326.52
HOA: $30/year Retirement contribution: Nothing additional than what's been mentioned. Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account. Investment contribution: None at this time. Debt payments: $100/month towards TJ's credit card balance of $2,307. Donations: $10-20/month, usually towards Omaze or Planned Parenthood. Utilities:
Natural Gas: $30-80/month
Xfinity internet: $60/month
Cellphone: On my parents plan. Subscriptions:
LinkedIn: $29.99/month for TJ’s job search - he’s found it very useful.
Amazon/Netflix/Hulu: We piggyback off family and friends’ accounts.
Nintendo Switch Online: 19.99/year
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead. Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement. Car insurance: $460 every 6 months. Car is paid off. Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay. Vitamins/Medications: $20/month Groceries & household items: $75/month Miscellaneous (eating out, house purchases, gifts, etc): $100/month Section Four: Money Diary Monday 6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed. 9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine. 9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels. 12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice! 1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head. 3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting. 5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us. 10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper. Daily total: $0 Tuesday 9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving. 11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call. 12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation. 2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research! 5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight? 7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu. Daily total: $17 Wednesday 1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed. 7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed. 9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it. 12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month. 2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough. 5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio. 6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board. Daily total: $0 Thursday 7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake! 9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis. 11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly. 12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it. 4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate. 5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal. Daily total: $583.21 Friday 8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea. 10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard! 11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started. 2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew. 4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby. 8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed. Daily total: $0 Saturday 9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea. 11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it! 12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves. 4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions. 7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo. 11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch. Daily total: $54 Sunday 10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues. 11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs. 3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game. 6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3! 10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday. Daily total: $75 Weekly Total: $689.79
Food + Drink: $41.17
Fun / Entertainment: $75
Home + Health: $59.44
Clothes + Beauty: $0
Section Five: Reflections Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace. The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress. Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
My 1 Year Anniversary of Full Time Day Trading. 3 Years In The Business. What I Wish I Could Tell Myself Years Ago.
This industry has a lack of transparency so I'm more than happy to say I will provide lots of that throughout this post with screenshots. There are LOTS of imgur links to back what I say so it's not just words on a post expecting you to just believe what I'm typing. This post I suppose is "Part 2" my post back in April, "After 2 years of Daytrading. 7 months full time. Here's my advice". I'm doing this to update everyone who came/comes across this in the future. Yes, it is possible. No, it won't be easy. You will pay homage to the rite of passage into this career. I'll also provide some examples of styles of trading so for the newer aspiring traders, there will be some things I rarely see discussed on forums. So here's to 1 year of Full Time Day Trading TL;DR - You'll become desensitized to trading. Stubborn to other strategies (There are biggebaddemore lucrative strategies. Don't chase them. Why fix what's not broken? I know what works for me and I'm content with it. No strategy is better than another. It's a personal choice. ). Losing individual trades won't faze you, they're inevitable. Profiting certainly feels better. After a while, you won't be as enthralled to trade every morning, it'll become just another part of your day). Trading is just managing your money through a statistic and the medium to execute it is trading on your platform. Think: "If. Then. Because". Your trading plan should be that black and white. Ask "Why" for everything you do and use. If you can't answer it with documented results, drop it. I get a bunch of messages all the time from people asking - . Out of those who follow me and chat me seeking further tips through my previous posts. I'll be answering the FAQ's and addressing things I see frequently in this sub as far as trading axioms Disclaimer: I won't sugarcoat anything. I'll share my experiences and add pieces of advice I'd give to those who are currently experiencing the same thing becoming a full time day trader and what day to day life is like, the occasional distress, (DRAWDOWNS). Some of you follow my Twitter for the past few months where I post my daily watchlists with a snippet that reveals my DayTradingBuyingPower. I do this not to brag but to demonstrate that the account does yield growth, I pay myself, and there are days where the balance does not move because there was no edge. I also do this since nobody else shows their account performance. (Yes. You, Mr. YouTube gurus and wannabe gurus). We do this for income, the numbers on our accounts are real. Treat it as such. Get your initial capital out of your account THEN try to "Scale your account" with your profits AKA The Market's Money. I'll go over: •FAQ's that I get in my inbox (I'm still welcome to further questions if I don't answer here) •Decision Fatigue (You will experience this) •The previous year (2019-2020) of ups and downs •How to use my watchlists that I post on Twitter in the morning to your advantage •The pivotal moment that changed my trading career (NFLX 10-17-19) •The road to becoming a full time trader. (It won't be fun unless you're handed the money) •You'll have a better grasp of my strategy (Between ProTip 4 and 5. ProTip 8.) There are 10 "ProTips" throughout the post that I wish I could tell myself years back and I'll periodically throw them in here as the post goes on. I make posts long in order to segregate those serious about this business and those who will just become another statistic in the failure rate of this business. At the end of this post, I'll go over the frequent questions I receive such as: (Answers to FAQ at bottom of post.)
"How do you prepare for a trading day?"
"What would you go back to tell yourself?"
"Books?" (The most abused question, but I get it. I could start a public library with just trading books I bought over the years)
"What is your background?"
"What is a normal day for you?"
"How did you discover your strategy?"
"What did you do/How did you get started?"
"What is your % return?" (Not a fun question since a trading account is not an index or investment account. Intraday traders do not measure performance in %. Most are measured in "R".)
"Is enough to start trading?"
"Why do you need so many monitors"? (This one is rarely asked but I do see it discussed on platforms and people trading on mobile phones love giving flack to anybody who trades on multiple monitors. Hint: Everyone's different. Whatever works for the individual. There are no rules in trading. The only rule is that it works.)
Background: I heard about daytrading during the 2008 crash while in high school. We all want to make more while working less. I entertained day trading from time to time but always realized I never had enough money. Horrible mindset because I could have still researched WHILE saving money to put into my trading business. 2015 -I opened my first trading account with Scottrade while in the Marines. Apparently if you have a net worth of over $1,000,000 you can get out early (Biggest rumor ever). I frivolously bought crap penny stocks. In short - I was a hair away from gambling. What made it NOT gambling was the fact that at least I owned something tangible (Securities of a company) and anything can happen. Buy low sell high was my strategy. Didn't work obviously. No idea what I was doing. I'd buy and hold hoping to wake up to the stock price being way higher and it never happened. •ProTip #1 : If you hold a trade overnight... It is not daytrading. Stop turning into an investor because you can't admit a minor defeat. 2017 - I started taking this business seriously while working in the oilfield as a Logistics Planner (If you're wondering what company since I am asked this from time to time, Google: "World's largest oilfield services company"). No kids, girlfriend/wife or financial obligations. I worked 10AM - 7PM CST and would trade the open from home for roughly 1 hour. Later I was offered to be a Data Analyst... Only downside was... I couldn't trade since I had to be at work now at 8AM CST during the market open. In the moment of signing the offer letter, I was bummed thinking, "No more trading," That wasn't the case though. You can still build your trading business with a 9-5 and while never making one trade. The data is there. •ProTip #2 :We all see the same data. It's there forever. Many strategies show their edge both live and in hindsight the same. (Especially if you trade patterns). You CAN build your business as a trader without even taking a trade. You CAN build your strategy while working a 9-5. Just because you're not trading, does not mean you can't build your business through research. You won't know how you'll react to the losses but at least you can diagnose the raw data with a large enough sample size for assurance and confidence. If you have a 9-5 and want to go fulltime into this business. Stay for a bit, save, live so far beneath your means that it is almost miserable, (depending on your expenses, area you live, family etc) and get a few hundred sample sizes of your strategy! And for your PTO/days off... trade the open. I sacrificed my vacation days to trade. After 2 years in corporate America, eating cheap food, never going out, saving relentlessly, I made the decision to just do it and resigned. I went straight into the ring of fire known as trading. That was on: September 23rd, 2019 ""(Sound familiar?) When you hear these types of comments.. your response should be: "Nobody put the time I put into this. The 90%+ who fail, don't have it all written out, computerized backtests, manual backtests, statistics, SOP manuals, JUST like the job I have which is a business, I'm just another cog in their wheel. I'll just be wearing all the hats in my trading business. Instead of Oil&Gas, it's just for trading". One thing I see here a lot is people saying to trade X amount of months/years or make X. •ProTip #3 -Think in man hours, not calendar. Example: Trader A puts in 1 hour of study/work/research everyday for 1 year. (365 Hours) Trader B puts in 12 hours of work every day for 4 months. (~1,450 Hours) Trader A lives in a major city while Trader B lives in the middle of nowhere. (Think cost of living) 2 totally different living expenses and 2 different calibers of dedication. I'd put my money on Trader B because he put in more man hours. (~1,000 more hours on the clock to be more exact). ProTip #4 - Have a cushion in your account AND your personal bank account. Having a strategy is great but you won't know entirely if you can fulfill and execute your plan until you experience the ups and downs both short and long term. A strategy is constant over long periods of time... there will be days, weeks, and perhaps a month here and there where you aren't making much money. We hear all the time, "Trade like a casino". Casinos don't make money day after day but the odds are in there favor over the long haul. Month 1 of full time trading was great: Immediately after going full time, the first month (September 2019 to October 2019), I did super well. Business as usual. No stress. Everything going as planned. No turbulence. At least not like I had ever experienced... The 2 prerequisites I had before resigning was:
Show consistency in returns. Consistent Sharpe Ratio.
Make a 4 figure trade (I achieved this while short 100 shares on ROKU September 20th, 2019 and even made a victory post if you scroll down my profile's posts.)
First life-changing trading lesson learned as a full time trader: That money printing spree ended on NFLX October 17th, 2019. Less than 1 month of being a full time trader. Deviating and going against my plan I actually made $500 in a matter of 4 minutes. If you follow my watchlists on Twitter, I always trade with the direction of the gap. If I notate, "Long Watches" that means I will only trade it IF (and only IF) I see a long biased pattern. Likewise I will only be looking to short my "Short Watches". Plenty of times I'll call out a ticker and it immediately goes the other way. No harm no foul because there was no long biased pattern to confirm my thesis. On 10-17-2019, I went against my plan and it worked.. NFLX gapped up to resistance and I went short when it tanked off of a short pattern.(This is known as fading). The market gave me a free lunch and then some. So now I'm walking on air in my mind: "I'm an absolute unit" "I'll do it again and clear another $500 to make it a 4 figure day before 9:30AM Central" "Should have quit my job way earlier being this good." Within 30 minutes of the open. I gave all $500 back. Yes I wanted to trade it back. Never have I had the desire to smash anything but I do understand those who do! Yes I stood there and felt like each passing second was wasted opportunity. The next 24 hours were long! ProTip #5:It's circumstances like that that help you in the long run. FunFact: I never once deviated from my plan since. Not ever again. "I could have paid for my groceries and electric for the month after 4 minutes of trading if I just took the free pass the market gave me" I felt dumb but in hindsight, I'm glad at what happened. It was this exact instance that married me to my strategy/business plan. The next day and the 7 trading days following. I didn't make 1 profiting trade. My longest ever drawdown - 11 straight trades. While researching I found out this was Decision Fatigue (I'll go over this shortly below) Put yourself in that situation... You have bills and your income is strictly trading. I don't care how much a robot you think you are or how strongly you believe in probabilities, when you were in an office less than a month ago making almost 6 figures sitting in an air conditioned office knowing direct deposit is on its way every other Friday no matter how well or poorly you performed at work.. Now you're in the hot seat. Its a bottomless feeling. Now all of your friends and families words are ringing in your head. But just like a boxing match.. you gotta take a hit to get a hit. Win some, lose some, shake hands and get back to normal life. Water under the bridge. Mind you: •No guaranteed direct deposit every 2 weeks. •No more medical/dental insurance. •401K retirement is no longer being matched. 11 trades is nothing. You only require ~5.5 trades at 2:1RRR to make it back OR 3.5 trades at 3:1RRR. It's nothing especially in your research because you can easily just scroll a little more and see, "Oh that's just a drawdown. No big deal". How will you react in real time? Will you buckle or choke? But the thing is, I was skipping trades out of fear and JUST so happened to be picking all of the unsuccessful ones. (Decision Fatigue) Think about those 2 weeks of being in a drawdown. Half of the month. You're not just stagnant, your account is bleeding slowly but surely. Next time you're looking at your spreadsheet/backtest/predictive model/research.. try to put yourself in those days of drawdown. It's not just 11 boxes of red with "-1R" or "Loss" in them. The screenshot above on Imgur is just a recent example. Think about your daily routine, going to the gym, hanging with friends, grocery shopping, cooking, going to bed, waking up, doing a routine, then losing again.. and again.. and again. Try to think of life during those 300+ hours (Weekends too) of, "I haven't made money. I've lost money. And I still have bills. After paying them, I'll be closer to my set Risk of Ruin". Here's a lesson you won't learn before going fulltime but I'll do my best to emphasize it here: Pick a strategy. And stick with it. It can literally be anything. Don't spread yourself thin watching 20+ tickers and be a jack of all patterns/tickers. Be a master of 1 pattern and master of 1 circumstance. There's this real thing called "Decision Fatigue" which explains exactly why what happened.. happened. The article explains that the 2 outcomes of this mental strain known as "Decision Fatigue" is:
Sound familiar? Does it kind of make sense now? As a new trader you have YouTube, Facebook, StockTwits, Twitter, "gurus", books recommended on Amazon, all throwing their ideas/strategies around, the market has opportunities littered all over.. Decision Fatigue is inevitable for the unprepared. Decision Fatigue happens in every profession. If you mess up at your 9-5, its just a blunder, your paycheck will remain the same. Just a slap on the wrist and move on. With trading, you make a mistake.. it's less food on your table, lights don't stay on, and/or water isn't running. That pressure adds up. No wonder so many fail... The signs of Decision Fatigue: •Procrastination. •Impulsivity. •Avoidance. •Indecision. When you find what clicks with you AND its either statistically or performance proven, have the courage to risk a healthy sum of your capital into it. There are strategies/patterns/styles of trading littered all over the internet: Very broad example: "IFcircumstance happensTHEN"Execution". Stoploss is XYZ. Target is XYZ.BECAUSEover a series of Y trades, I will make $X,XXX.xx". ProTip #6 :Strategies are all over the internet. It's your account/money, backtest it. People share their strategies here all the time and although I don't agree with them because I know what works for me, it's something to chew off of for you newer traders. YouTube is a harbor with people who give just enough info to figure their style out.You will lose trades. Sit for some screen-time and pay homage to the edge that you discover. All in due time. Insert key metrics and find correlations. This is how you create checks and balances to create/formulate a black and white trading plan. When I first started doing this, my spreadsheet(s) had so many columns it was annoying and would kill my desire to continue working. You'll find things that are imperative and some that are unimportant. For a lack of more colorful terms: "Throw stuff at the wall and see what sticks"Trim the fat. Rinse and repeat.
Here's some things I used to remind myself of and perhaps it'll ring some bells for you:
•Surrender your capital to your edge. If you truly accept the risk and trust your proven edge, losses don't feel like anything nor do profits. Although we're not here to put on losing trades and yes it does feel nice to profit. I still from time to time will excited when I hit target after a series of multiple profiting trades depending on my mood. •If you're nervous or your heart starts beating quicker when you hear the sound effect of a trade getting entered/filled. Be honest with yourself and ask yourself if you're truly accepting the risk. •Things you can't take to the bank:
Number of trades.
"This one great trade that I hit target in less than 30 seconds and I got filled better than expected"
All of these are integral metrics. But you're trading to make money. It's up or down, green or red, profit or loss, TRUE or FALSE. So with that said, find what works flawlessly and is easy to follow. Checks and Balances. Then allocate a good sum of risk into it. I read it here all the time, "Don't risk too much" and that's great and true for new traders. But don't sell yourself short. Push yourself over the edge and admit that you know your stuff. Think of Trader A and Trader B. If you've put the time in.. don't sell yourself short. You've built enough courage to learn a business so many fail at. This business has such a negative connotation. But remember that not everybody can handle meritocracies and that's exactly what the market is. Don't try to be the best, just work harder than everyone else and the output of your input will be relative. ProTip #7:YouTube trading ads from gurus... they're subconsciously making you think you're a novice trader.It's in their marketing. They study marketing psychology. The EASIEST things to sell:
People that are desperate for those things are the most vulnerable and these "Traders" marketers are fantastic at portraying all 3 of those things at once. •ProTip #8 (Broken record alert) :Write a business plan. Your strategy shouldn't take longer than 4 sentences to explain to another trader. When you have a plan that's proven through a statistic and WAIT for it to happen, you feel100Xbetter taking the trade. You don't even care too much when it results in a loss. Because that was your plan, you accept it much better, and you know it was just an expense for a winning trade. Want my strategy? "I scan for stocks with a market cap of over 250M, 10k shares premarket, gapping to support or resistance, priced over $10, and I look for a pattern biased to the direction of the overnight gap. It isn't rocket science. Check my Twitter, look at the dates I posted, and you'll notice the gist. Yes this is an edge but not the entire edge. How fast can you sift through 15 time frames? How long does it take you to fill out your order ticket? Your Fibonacci time extensions with 5 EMA's and Bollinger Bands aren't helping you. They're lagging. If they work for you, great. In my experience, they hindered my visibility. Pro Tip #9: Yes statistics are highly applicable to trading. Patternsdowork. All patterns do is tell you WHEN to enteexit, and how many shares. Humans will never think differently of money. Be the frontrunner of the market's emotions. Nobody remembers the indecisive leader. Risk taking is a commonality amongst leaders. Trading requires courage and it's O.K. to show a bit of confidence as long as you also have the humility to admit when you're in a bad trade.(Notice how I didn't put, "wrong". You're only "wrong" when you deviate from a proven strategy.) ProTip #10:Risk management is 24/7. I've never heard anyone mention this but think about it a little bit. Having financial obligations can become stressful regardless of how you earn your income but its far more stressful while running a business. Not just any business, but a business where you can go to work on your A-game, do every single last thing right, trade without emotion etc... and still walk away with less money than what you came to work with. Meanwhile somebody who JUST started trading made a 4 figure profit not knowing what the heck the difference betweenETB, HTB, or NTB. Think of it like this, a JV high school baseball player can hit a homerun off of an MLB pitcher once.. but how will he fare at the end of the season? Traders don't predict stock prices, traders predict the outcome over hundreds of trades. People chat me asking what TO do rather than what NOT to do. You don't learn labor intensive jobs or how to fly a plane by what to do.. you learn what NOT to do to stay alive. That's all I have. Once you have a trading plan underway and you're executing it, you don't have much time when your hobbies are cheap but I still do respond to chats/messages. I do get asked from a previous post when I'll build a website and to answer that: I'm learning how to build a site on rainy days. Can't put a definitive date on it. I will say that its coming, if you don't give up on this business in the next year or so, you'll see it. What I plan on putting on there:
Position size Calculators
Dictionary with examples
I just don't want some generic WordPress site. I want my website to be stellar and a great resource for aspiring traders. Something I didn't have learning this business. I want it to be something I'd consider a staple in a trader's resources. Perhaps one day it will be referenced on this sub frequently. FAQ:
"How do you prepare for a trading day?" I get behind the computer about 20 minutes before the bell. Reason being: "If you study long. You'll study wrong". If the chart isn't grabbing my attention and gets me excited, then I flick to the next ticker. I don't even know the companies I trade half the time nor do I care about a news report some journalist wrote. Also there is no magic news outlet that lets you know about "Major events that affect stock prices". If there was, I wouldn't be here because we're all subscribed to the same edge nor would I be trading my style.
"What would you go back to tell yourself?" Get more data. Save a little more, your hairline and sleep schedule will thank you. Take only perfect trades and don't feel forced to trade. There will be days you don't touch an order ticket. And days where you are busy and have tunnel vision. Next thing you know its time to shut it down for the day.
"Books?" - I try to humble myself when answering this but off the cuff, they're all mediocre. Andrew Aziz's was ok, definitely get it, it's only a few bucks on Kindle. Just don't expect it to give you strategies BUT it will give you ideas. If you're brand new, it is good as it will teach you the common vernacular of a day trader. Mark Douglas was interesting but his YouTube seminar recordings are much better. No book, Facebook group, YouTube channel is going to be the end all be all perfect strategy. Expect losses. Don't be a one hitter quitter after suffering a few tiny losses/paper cuts. Stick to it. Most books will help you familiarize yourself with the common vocabulary amongst traders and will hint ideas. It's your job to formulate the strategy and template for research.
"What is your background?" I was a logistics planner for a major oilfield services company. Later I then became a data/buyer analyst so yes, data analytics/research was a 2nd language for me entering trading. I did have that upper hand and did shave off months if not years for me.
"What is a normal day for you?" I'm always done trading after 10:30AM Central. I will hold onto a trade until right before the bell if it hasn't hit either target or StopLoss by the time I leave the house but it is absolutely closed in entirety by 2:55PM Central. After I trade, I enjoy the day. No I'm not riding around in my Lambos posting IG/Snapchat (I have neither) stories of my profits with my private jet waiting on a runway trying to sell an $7 eBook or a $100 membership (HINT HINT). I grill/cook, read, workout, ride my motorcycle, attack my other sources of income (small businesses I'm building), hit the driving range, shoot guns, etc. I live in Texas. Life is cheap and fun here.
"How did you discover your strategy?" I bought TradeIdeas premium, went through all of their computerized backtesting patterns, tested them. Then did what I mentioned earlier... Tried to find correlations in metrics. It distilled the trades to a strict criteria and here I am. I post on average 4-5 tickers on my watchlist. 7 max. I do not like spreading my attention thin across multiple tickers. I do not recommend buying TradeIdeas, it does have lots of bugs.
"What did you do/How did you get started?" Was a data analyst, was good at research and applied it to trading. My incentive was, "I could have made more money trading rather than sitting in 2+ hours of roundtrip traffic and 9 hours in an office. The data is there. Everybody sees the same charts all over the world. There are ways to make this possible"
"What is your % return?"(Not a fun question since a trading account is not an index or investment account. Intraday traders do not measure performance in %) I trade to make money AND pay myself, so my equity curve will look like a small loss or small gain after I pay myself. % return? I measure my account's performance in Sharpe Ratio and Risk Units. My Sharpe Ratio is ~1.85. While I yield roughly .8 - 1 R per trading day. Some weeks I make 10R. Some weeks I lose 2R. Yeah one week I might make $2,500. But the next week I might lose $300. The following week my strategy will yield $0 and the last week I might make $1,000. Some weeks suck. Some weeks are great. But overall. Just shy of 1R per trading day. Some days I'm super busy taking trade after trade. Some days I'll shut it down after 5 minutes without even filling out an order ticket. Some days I won't even see the open because there is no edge for me.. Keywords... "For me".
"Is enough to start trading?" Depends on where you live. Are you restricted to PDT? If not then how much are you obligated to expenses? I live in Texas. Things are cheap here. If you live in NYC or The Bay Area your expenses will be astronomical compared to mine. A $30,000 account is totally doable for a single Texan with low monthly expenses. Now if you're in California or New York? I'm sure you'll fall below 25k if you have 1 bad month. Also depends on if you have other sources of income or a full/part time job. I encourage every trader and aspiring trader to have multiple sources of income, don't rely solely on trading. Not just for the sake of mitigating pressure but also for sanity. If you have a family to provide for, I don't know what that's like, you never know when Little Johnny is going to randomly pick up Trombone lessons for a school program/play while little Suzie needs transmission work in her car because a simple solenoid went out. $1,700 later.
"Why do you need so many monitors?"I use 3 for trading. The 4th is for music. The other 2 are useless while trading. That's for trading though. When I made the decision to go full time, I knew I was about to go off the chain with research. And sifting between spreadsheets, a platform to see multiple timeframes for a pattern to backtest. My attention span is short, I'll lose my train of thought before I open the other tab to input data. But the main reason was for research. It's such a time saver and is a headache repellant when doing research while everything is laid out in front of you. Now that I have a system. I'll most likely be treating myself to 2 ultrawides for Christmas.
As always, thank you to everybody who takes time out to message me and letting me know some people read these and show appreciation. I would say, "Good luck" but there is no luck in trading. Just statistics. Remember that! In conclusion: Yes. Full time trading is possible, depending where you live/monthly expenses and obligations. You're more likely to become a profitable trader than a professional athlete. There is a level of uncertainty each day, perhaps each week, doubtful each month, and definitely not each year. If I ever want a raise, I just consult my business plan and financials, then decide if I can handle it mentally. If you have medical issues, get a part time job for the benefits. If you're healthy, just be careful. All the best! -CJT2013
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