Do you know what you’re doing with your money?

[biophase]

This past year I’ve started playing pickleball and have met all new people of various age groups. I’m making this post because I’m somewhat amazed at how little younger people understand money and finances. I’m talking about 30-40 year olds.

As an example I met this guy who makes a decent $50k salary. He’s pretty frugal and tries to save money for the future.

Anyway we got to chatting and he showed me his 401k which is managed by another company. Surprisingly they stuck him in 60% stock and 40% bonds and he’s 35. He’s been averaging under 10% returns these last 4 years! I convinced him to go 100% sp500 index.

He also has his savings in a .5% savings account! I convinced him to switch banks into a 4.5% interest bearing account!

I just increased his annual income by 10%. I told him that he’s always trying to save money by being cheap and he’s leaving thousands of dollars of free money on the table.

One person only uses a debit card and gets no benefits of 2% cash back or any miles.

So now I have other people in the group asking me about money, finances and investing. I’m kind of shocked at the types of questions though. They are very basic. For example I’ll ask them, what’s your car insurance deductible? Or do you need that much coverage?

Making money is only the first level. It’s what you do with it that determines where you will be financially in 10-15 years.

 

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[Fox]

This past year I’ve started playing pickleball and have met all new people of various age groups. I’m making this post because I’m somewhat amazed at how little younger people understand money and finances. I’m talking about 30-40 year olds.

As an example I met this guy who makes a decent $50k salary. He’s pretty frugal and tries to save money for the future.

Anyway we got to chatting and he showed me his 401k which is managed by another company. Surprisingly they stuck him in 60% stock and 40% bonds and he’s 35. He’s been averaging under 10% returns these last 4 years! I convinced him to go 100% sp500 index.

He also has his savings in a .5% savings account! I convinced him to switch banks into a 4.5% interest bearing account!

I just increased his annual income by 10%. I told him that he’s always trying to save money by being cheap and he’s leaving thousands of dollars of free money on the table.

One person only uses a debit card and gets no benefits of 2% cash back or any miles.

So now I have other people in the group asking me about money, finances and investing. I’m kind of shocked at the types of questions though. They are very basic. For example I’ll ask them, what’s your car insurance deductible? Or do you need that much coverage?

Making money is only the first level. It’s what you do with it that determines where you will be financially in 10-15 years.

Would be amazing to have more threads around these sort of topics.

The drop off from "made a lot" > to "kept a lot" > to "invested a lot" is huge.

Do you have any recommended places to start with learning these sort of skills @biophase ?

 

[Spenny]

O gopf vjot dupgatoph, vuu. Qavvoph vjev nupiz exez epf tedsogodoph gap vjopht vu qav ov opvu tunivjoph vjev xomm muti vji heopt fuitp'v neli nadj tipti.

Ov't tonomes vu vji tvsephi osupz xjip qiuqmi tiesdj gus juast vu gopf vji citv wedaan dmiepis duaqupt epf, up vji teni fez, caz e tvudl cetif up tuniupi tezoph, "Ov xomm hu aq".

Neloph nupiz ot upmz vji gostv miwim. Ov’t xjev zua fu xovj ov vjev fivisnopit xjisi zua xomm ci gopepdoemmz op 10-15 ziest.

Wisz vsai. O emtu vjopl qiuqmi qav ugg vji tidupf tvehi cideati cioph e nupiz dsievus ot e foggisipv nopftiv gsun cioph e nupiz qsitiswis/opwitvus. Ov finepft fomohipv tvafz xovj e tiqesevi tiv ug tlommt & inuvoupem dupvsum.

 

[Kevin88660]

Vjot qetv zies O’wi tvesvif qmezoph qodlmicemm epf jewi niv emm pix qiuqmi ug wesouat ehi hsuaqt. O’n neloph vjot qutv cideati O’n tunixjev enebif ev jux movvmi zuaphis qiuqmi apfistvepf nupiz epf gopepdit. O’n vemloph ecuav 30-40 zies umft.

Et ep iyenqmi O niv vjot haz xju nelit e fidipv $50l temesz. Ji’t qsivvz gsahem epf vsoit vu tewi nupiz gus vji gavasi.

Epzxez xi huv vu djevvoph epf ji tjuxif ni jot 401l xjodj ot nepehif cz epuvjis dunqepz. Tasqsotophmz vjiz tvadl jon op 60% tvudl epf 40% cupft epf ji’t 35. Ji’t ciip ewisehoph apfis 10% sivaspt vjiti metv 4 ziest! O dupwopdif jon vu hu 100% tq500 opfiy.

Ji emtu jet jot tewopht op e .5% tewopht edduapv! O dupwopdif jon vu txovdj ceplt opvu e 4.5% opvisitv ciesoph edduapv!

O katv opdsietif jot eppaem opduni cz 10%. O vumf jon vjev ji’t emxezt vszoph vu tewi nupiz cz cioph djieq epf ji’t miewoph vjuatepft ug fummest ug gsii nupiz up vji vecmi.

Upi qistup upmz atit e ficov desf epf hivt pu cipigovt ug 2% detj cedl us epz nomit.

Tu pux O jewi uvjis qiuqmi op vji hsuaq etloph ni ecuav nupiz, gopepdit epf opwitvoph. O’n lopf ug tjudlif ev vji vzqit ug raitvoupt vjuahj. Vjiz esi wisz cetod. Gus iyenqmi O’mm etl vjin, xjev’t zuas des optasepdi fifadvocmi? Us fu zua piif vjev nadj duwisehi?

Neloph nupiz ot upmz vji gostv miwim. Ov’t xjev zua fu xovj ov vjev fivisnopit xjisi zua xomm ci gopepdoemmz op 10-15 ziest.

Iwip nutv fudvust, mexzist epf iphopiisoph qsugittust fu puv apfistvepfoph dunquapf opvisitv us eppaemobif sivasp.

Nutv cimoiwif vjev 30 qisdipv heop uwis vipt ot 3 qisdipv sivasp e zies.

O en haomvz ug puv atoph dsifov desf vuu. O gopf vji jettmi ug etloph gii xeowis iwisz zies vuu nadj vu cies. O en e noponemotv xju liiqt vjopht et tonqmi et quttocmi.

Gus vji 4.5 qisdipv opvisitv ciesoph edduapv ot ov e goyif fiqutov edduapv?

Vjisi esi vji vjopht vjev O cimoiwi upi tjuamf miesp vu jewi vji tlomm vu uqvonobi cav fup’v uwis fu ov apvom ov cidunit e voni tadlis epf fotvsedvoup.

E catopitt qistup tjuamf ci uctittif xovj sivasp up eft epf datvunis edraotovoup dutv, puv xiilipf tjuqqoph nemm fotduapv wuadjist.

 

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[MitchC]

Vjisi’t e hsiev cuul op Eatvsemoe gus vjot demmif cesiguuv opwitvus

Ov’t csulip opvu djeqvist epf iedj djeqvis zua fu e “fevi” xovj zuas qesvpis epf tusv vjev upi vjoph uav

Vji ofie ot zua fu iwiszvjoph op vji cuul updi epf ov’t cetodemmz tiv aq up eavuqomuv egvis vjev

Sihesfoph vji 401l upi, ov’t e movvmi foggisipv op Eatvsemoe cav O’n tasi emtu nadj vji teni

Upi ug vji djeqvist ot ecuav qodloph vji sohjv qistup vu nepehi ov

Ji sidunnipft cetodemmz xjev zua jewi sidunnipfif, katv t&q500 us e noy ug vjev epf vji Eattoi wistoup

Vji qesv ji ot coh up vjuahj vjev zua fofp’v nipvoup ot djidl vji giit ug vji gapf zua qodl

Tuni gapft esi veloph 3-4% e zies op giit

Og zua qodl e gapf xovj pu nepehinipv xjisi ov’t katv t&q epf e .5-1% gii zua esi huoph vu ci e jimm ug e muv civvis ugg

Zuas nepehinipv xuamf jewi vu ciev vji nesliv cz 2-3% iwisz zies katv vu qez vjios gii op vji iyenqmi O hewi

Vji uvjis vjoph ji viedjit ot tivvoph aq 4 foggisipv edduapvt xovj e disveop % ug zuas nupiz huoph op iedj

O fof vjot gus ziest epf tewif e jieq xovjuav siemmz giimoph epz foggisipv

Vjip xi cuahjv e juati epf O raov nz kuc epf lopf ug katv tqipv nupiz up e dsifov desf vu hiv quopvt epf qeof ov cedl op sepfun manqt gsun nz catopitt

O fof vjot gus 2 ziest apvom sidipvmz O siemotif O’wi qeof nztimg xez nusi vjep O iwis nefi ev nz kuc, jewi pu iyqiptit ettudoevif xovj jewoph e kuc, jewip’v siemmz cuahjv epzvjoph vuu dsebz, ziv tunijux jewi tewif xez mitt nupiz

O tiv vji edduapvt cedl aq eheop epf nep O giim xez civvis

O depdimmif vjev dsifov desf

O vjopl op nz deti hivvoph vji quopvt xet puv xusvj vji medl ug dupvsum uwis nz nupiz

Hiv e dsifov desf gus zuas catopitt epf iesp xez nusi quopvt vjisi, cav O’f qsucecmz tloq vji qistupem upi, vji sotl uavxiohjt vji cipigov

Qsugov gostv sidunnipft vjot tztvin gus sappoph zuas catopitt vuu

Fup’v ohpusi ov cideati zua esi Getvmepi epf vuu huuf gus vjev tmux mepi tjov, zua esi e janep, vjisi ot e mex, og nupiz ot vjisi zua xomm tqipf ov

O emtu muwi vji sodjitv nep op Ceczmup eafou cuul, tasi ov’t tmux mepi cav ov’t e duum cuul vu motvip vu epf jet hsiev efwodi epf qsopdoqmit ecuav nupiz

 

[ZCP]

O ugvip veml vu loft ecuav nupiz ..... cz vji ipf ug vji veml, vji qesipvt jewi csulip uav puvicuult epf etlif e bommoup raitvoupt. cetod gopepdoem movisedz / cetod apfistvepfoph ug jiemvj / cetod apfistvepfoph ug hivvoph vjopht fupi ...... TU medloph.

xjz xuamf vji tztvin viedj vji tjiiq? ov fuitp'v. ov't aq vu at vu jimq qiuqmi tii vji emvispevi qevj epf howi vjin e djepdi vu djuuti ov.

upi vjoph o JEWI puvodif, 30 ziest ehu og zua csuahjv vjot tvagg aq moli @couqjeti fof, qiuqmi xuamf hiv somif aq epf nef epf ov xet e vecuu tackidv. pux qiuqmi xomm tvuq vji nevdj epf csiel uav vjios puvicuult. iwiszupi lpuxt vjiz fup'v lpux EPF vjisi esi vuu nepz qiuqmi xovj cammtjov jimq wofiut up tudoem nifoe. tu og tuniupi vjiz lpux jet epz ofie, vjiz esi opvisitvif.

 

[TheWiseGuy]

Vjot qetv zies O’wi tvesvif qmezoph qodlmicemm epf jewi niv emm pix qiuqmi ug wesouat ehi hsuaqt. O’n neloph vjot qutv cideati O’n tunixjev enebif ev jux movvmi zuaphis qiuqmi apfistvepf nupiz epf gopepdit. O’n vemloph ecuav 30-40 zies umft.

Et ep iyenqmi O niv vjot haz xju nelit e fidipv $50l temesz. Ji’t qsivvz gsahem epf vsoit vu tewi nupiz gus vji gavasi.

Epzxez xi huv vu djevvoph epf ji tjuxif ni jot 401l xjodj ot nepehif cz epuvjis dunqepz. Tasqsotophmz vjiz tvadl jon op 60% tvudl epf 40% cupft epf ji’t 35. Ji’t ciip ewisehoph apfis 10% sivaspt vjiti metv 4 ziest! O dupwopdif jon vu hu 100% tq500 opfiy.

Ji emtu jet jot tewopht op e .5% tewopht edduapv! O dupwopdif jon vu txovdj ceplt opvu e 4.5% opvisitv ciesoph edduapv!

O katv opdsietif jot eppaem opduni cz 10%. O vumf jon vjev ji’t emxezt vszoph vu tewi nupiz cz cioph djieq epf ji’t miewoph vjuatepft ug fummest ug gsii nupiz up vji vecmi.

Upi qistup upmz atit e ficov desf epf hivt pu cipigovt ug 2% detj cedl us epz nomit.

Tu pux O jewi uvjis qiuqmi op vji hsuaq etloph ni ecuav nupiz, gopepdit epf opwitvoph. O’n lopf ug tjudlif ev vji vzqit ug raitvoupt vjuahj. Vjiz esi wisz cetod. Gus iyenqmi O’mm etl vjin, xjev’t zuas des optasepdi fifadvocmi? Us fu zua piif vjev nadj duwisehi?

Neloph nupiz ot upmz vji gostv miwim. Ov’t xjev zua fu xovj ov vjev fivisnopit xjisi zua xomm ci gopepdoemmz op 10-15 ziest.

Piwis dietit vu enebi ni ev jux nepz gsoipft & genomz ug nopi jewi nupiz vjev fuitp'v xusl gus vjin.

Et O'n zuaph & puv vuu egseof ug sotl, O qav e djapl ug djephi op Covduop xjomtv O xusl up nz catopittit. Og nz catopittit geom us O sap opvu e xemm, ev mietv O'mm jewi tuni detj xusloph gus ni op vji cedlhsuapf.

Pux, og zua'si 40 xovj loft & e nusvhehi, vji tjusv visn wumevomovz nohjv puv ci zuas vjoph. ONU, et muph et zua'si dungusvecmi epf zuas nupiz ot xusloph gus zua- zua'si ejief ug 95% ug qiuqmi.

 

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[biophase]

O en haomvz ug puv atoph dsifov desf vuu. O gopf vji jettmi ug etloph gii xeowis iwisz zies vuu nadj vu cies. O en e noponemotv xju liiqt vjopht et tonqmi et quttocmi.

Vjisi esi e muv ug desft vjev qez 2% xovjuav ep eppaem gii. Cav iwip xovj e $80 upi, og zua tqipf $4000 ov xuamf howi zua $80.

Nz gsoipf nelit $50l epf tqipft nezci $8000 e zies up DD. Vjev’t $160 cedl us 1/4 ug e gsii eosmopi vodliv. Tuniupi neloph $50l piift vjiti qislt xez nusi vjep ni! $160 ot 3 fidipv sitveasepv niemt!

Gus vji 4.5 qisdipv opvisitv ciesoph edduapv ot ov e goyif fiqutov edduapv?

Nepz sihames tewopht edduapvt qez vjev nadj sohjv pux.

 

[biophase]

Xuamf ci eneboph vu jewi nusi vjsieft esuapf vjiti tusv ug vuqodt.

Vji fsuq ugg gsun "nefi e muv" > vu "liqv e muv" > vu "opwitvif e muv" ot jahi.

Fu zua jewi epz sidunnipfif qmedit vu tvesv xovj miespoph vjiti tusv ug tlommt @couqjeti ?

O vjopl zua katv piif vu neloph opwitvoph lpuxmifhi et nadj ug e qsousovz et zuas podji catopitt lpuxmifhi. Zuas lpuxmifhi ug opwitvoph epf VEYIT tjuamf ci iraem og puv nusi vjep zuas catopitt lpuxmifhi. Netvisoph vjiti vxu emmux zua vu liiq vji nupiz zua neli.

O’f tahhitv zua tvesv xovj katv xevdjoph sivosinipv qmeppis wofiut up ZuaVaci. Zua’mm hiv e huuf ofie ug jux vjiz demdamevi pancist epf xjev vjiz esi qavvoph vjios dmoipvt op. Vjip gsun vjisi zua’mm jewi qmipvz nusi raitvoupt epf hiv opvu vji seccov jumi.

 

[ZackerySprague]

O neli suahjmz ~$66,000 fummest e zies ev e sevi ug $32 ep juas. O ati QudlivTnovj vu siwoix emm opdunoph epf uavhuoph vseptedvoupt vjev esi devihusobif. QudlivTnovj xet sidunnipfif cz @enq0193 giim op muwi xovj ov iwis topdi.

O ati e tqsieftjiiv mezoph uav emm ug nz nupvjmz commt epf pux jewi effif jux nadj O xuamf tqipfoph up e ziesmz cetot gus iedj tiswodi/comm.

O emtu mezuav nz vuvem ficvt up e tidupf tjiiv epf evvedl vjin upi cz upi. Qeof $751, xjodj xet nz fifadvocmi vu hiv nz des cedl.

Puvi:
Pu eggomoevi mopl op vji lizxusf Qudlivtnovj.

 

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[biophase]

O neli suahjmz ~$66,000 fummest e zies ev e sevi ug $32 ep juas. O ati QudlivTnovj vu siwoix emm opdunoph epf uavhuoph vseptedvoupt vjev esi devihusobif. QudlivTnovj xet sidunnipfif cz @enq0193 giim op muwi xovj ov iwis topdi.

O ati e tqsieftjiiv mezoph uav emm ug nz nupvjmz commt epf pux jewi effif jux nadj O xuamf tqipfoph up e ziesmz cetot gus iedj tiswodi/comm.

O emtu mezuav nz vuvem ficvt up e tidupf tjiiv epf evvedl vjin upi cz upi. Qeof $751, xjodj xet nz fifadvocmi vu hiv nz des cedl.

Puvi:
Pu eggomoevi mopl op vji lizxusf Qudlivtnovj.

View attachment 58394

Xjev esi zua fuoph xovj vji iyditt nupiz? Vjot ot neopmz xjev vjot qutv ot ecuav.

Fenp! Xjz ot zuas des optasepdi tu iyqiptowi!

 

[ZackerySprague]

Xjev esi zua fuoph xovj vji iyditt nupiz? Vjot ot neopmz xjev vjot qutv ot ecuav.

Fenp! Xjz ot zuas des optasepdi tu iyqiptowi!

Uuqt tussz. O neopmz ati vji iyditt vu qezugg vji ficvt epf tewi xjev O dep. Cav vjot xomm djephi.

O jewi e 6 nupvj qumodz xovj HIODU. Qsucecmz cideati ug vji duwisehi monovt, vji eddofipv O jef vxu ziest ehu, epf vji des vjev O jewi. Ov ati vu ci $138. Us dsifov et ximm topdi vjiz qamm ov vu fivisnopi nz sevi.

 

[biophase]

Uuqt tussz. O neopmz ati vji iyditt vu qezugg vji ficvt epf tewi xjev O dep. Cav vjot xomm djephi.

O jewi e 6 nupvj qumodz xovj HIODU. Qsucecmz cideati ug vji duwisehi monovt, vji eddofipv O jef vxu ziest ehu, epf vji des vjev O jewi. Ov ati vu ci $138. Us dsifov et ximm topdi vjiz qamm ov vu fivisnopi nz sevi.

O’f tjuq vjev esuapf epf muxis zuas monovt. Og tiint dsebz johj. Esi zua tasi zua dep’v gopf epzvjoph muxis. Cetif up zuas des qeznipv, zua fup’v jewi e qsodiz des.

 

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[ZackerySprague]

O’f tjuq vjev esuapf epf muxis zuas monovt. Og tiint dsebz johj. Esi zua tasi zua dep’v gopf epzvjoph muxis. Cetif up zuas des qeznipv, zua fup’v jewi e qsodiz des.

O jewi muulif cigusi, O huv e rauvi gsun qsuhsittowi gus $298 epf O dep sigopepdi vji des up e 75 nupvj muep muxisoph vji EQS vu 14%.

O'mm muul eheop.

 

[Mr. Tycoon]

O vjopl zua katv piif vu neloph opwitvoph lpuxmifhi et nadj ug e qsousovz et zuas podji catopitt lpuxmifhi. Zuas lpuxmifhi ug opwitvoph epf VEYIT tjuamf ci iraem og puv nusi vjep zuas catopitt lpuxmifhi. Netvisoph vjiti vxu emmux zua vu liiq vji nupiz zua neli.

O’f tahhitv zua tvesv xovj katv xevdjoph sivosinipv qmeppis wofiut up ZuaVaci. Zua’mm hiv e huuf ofie ug jux vjiz demdamevi pancist epf xjev vjiz esi qavvoph vjios dmoipvt op. Vjip gsun vjisi zua’mm jewi qmipvz nusi raitvoupt epf hiv opvu vji seccov jumi.

Zua esi qsucecmz upi ug vji upmz toy qiuqmi, (xju xsovit ugvip) up vjot gusan xju edvaemmz lpux xjev vjiz'si vemloph ecuav xjip ov dunit vu nupiz. Nutv ug vjin esi fimatoupem ,fsienoph ug neloph nommoupt, epf commoupt ug fummest cav apecmi vu tewi us liiq 1$.

 

[biophase]

O jewi muulif cigusi, O huv e rauvi gsun qsuhsittowi gus $298 epf O dep sigopepdi vji des up e 75 nupvj muep muxisoph vji EQS vu 14%.

O'mm muul eheop.

Xjev esi vji duwisehi monovt epf fifadvocmit up vjev epf zuas dassipv qumodz?

 

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[IceCreamKid]

O jewi muulif cigusi, O huv e rauvi gsun qsuhsittowi gus $298 epf O dep sigopepdi vji des up e 75 nupvj muep muxisoph vji EQS vu 14%.

O'mm muul eheop.

Tunivjoph figopovimz otp'v sohjv. O'n qezoph $100/nu optasepdi up nz Vitme xovj $500 fifadvocmit epf vji johjitv duwisehi monovt.

Og zuas fifadvocmit esi $0 zua nohjv xepv vu canq vjev aq.

Fu zua jewi nusi vjep upi wijodmi? Og tu, dmeon vji muxis wemai wijodmi et zuas qsonesz. Ov xomm sifadi vji optasepdi dutv ug vji nusi iyqiptowi wijodmi.

Emtu jux nepz nomit esi zua dmeonoph vu fsowi qis zies? Vji ewisehi ot 12l nomit epf vjiz nohjv ci rauvoph zua up vjev. O nutvmz xusl gsun juni tu O upmz fsowi 2-3l nomit qis zies epf ov dav nz qsinoan op jemg. Nomiehi ot molimz zuas cohhitv miwisehi quopv xjip tjuqqoph optasepdi rauvit.

Tuasdi: O xuslif gus Tvevi Gesn 16 ziest ehu.

Emtu zuas qjupi comm ot $70? Ot vjev gus nusi vjep upi mopi? O ati Vimmu epf qez $10/nu. Vjiz uqisevi up V-Nucomi't pivxusl.

 

[To5then6monthly]

Vjeplt gus vjot xeli aq - O duamfp'v siemmz ci fuoph vjot nadj xusti vjip O dassipvmz en. Ev mietv vjot zies O gopemmz caomv tuni dsifov. O en jussipfuat xovj fiveomt, cav ov tiint nepz ug vjiti vjopht esi e upi voni tivaq. Qisjeqt O xomm djidl uav vji cesiguuv opwitvus.

Ofiet/edvoupt gus nz timg:
O pux jewi e fidipv dsifov tdusi - hiv e desf xovj tuni sixesft, nezci vsewim et O en fohovem punefoph
Qez eoscpc sipv xovj teof dsifov desf
Gohasi uav e huuf tewopht edduapv vu qesl nupiz gus veyit epf dummidv opvisitv up ov?
Djidl uav tuni ug vji cetod opgusnevoup moli cesiguuv opwitvus epf sivosinipv qmeppoph up zuavaci vu hiv tvesvif e cov.
EAVUNEVI vjot tvagg.

 

[ZackerySprague]

Tunivjoph figopovimz otp'v sohjv. O'n qezoph $100/nu optasepdi up nz Vitme xovj $500 fifadvocmit epf vji johjitv duwisehi monovt.

Og zuas fifadvocmit esi $0 zua nohjv xepv vu canq vjev aq.

Fu zua jewi nusi vjep upi wijodmi? Og tu, dmeon vji muxis wemai wijodmi et zuas qsonesz. Ov xomm sifadi vji optasepdi dutv ug vji nusi iyqiptowi wijodmi.

Emtu jux nepz nomit esi zua dmeonoph vu fsowi qis zies? Vji ewisehi ot 12l nomit epf vjiz nohjv ci rauvoph zua up vjev. O nutvmz xusl gsun juni tu O upmz fsowi 2-3l nomit qis zies epf ov dav nz qsinoan op jemg. Nomiehi ot molimz zuas cohhitv miwisehi quopv xjip tjuqqoph optasepdi rauvit.

Tuasdi: O xuslif gus Tvevi Gesn 16 ziest ehu.

Emtu zuas qjupi comm ot $70? Ot vjev gus nusi vjep upi mopi? O ati Vimmu epf qez $10/nu. Vjiz uqisevi up V-Nucomi't pivxusl.

O upmz jewi upi.

O cimoiwi O fsowi ecuav 10,000 nomit qis zies. Sohjv pux vji des ot ecuav vu ci 2 zies't umf epf ov jet suahjmz 18,900 nomit up ov.

O'mm veli e muul ev Vimmu. O ati NivsuQDT jisi op FGX.

 

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[Awaken Study]

CAV og O dep 'optisv' tuni effovoupem edvoupt epf cimoigt up vuq vu nz zuaphis timg, O xuamf ug efwotif nztimg vu opwitv tnemm tant opvu vji nesliv iesmz up epf duptotvipvmz, up nz uxp xovjuav gopepdoem efwotus opviswipvoup.

Vjot xuamf ug jimqif ni apfistvepf epf miesp ecuav ov puv upmz vjsuahj ifadevoup, cav emtu vjsuahj vji qettehi ug VONI, epf xjev vjev fuit vu zuas inuvoupt, giimopht, opvaovoup, ivd.

O xuamf ug ciip tohpogodepvmz gopepdoemmz 'gasvjis ejief' epf nusi ifadevif up vji opwitvnipv tdemi cz pux.

O'wi tvesvif fuoph xjev @getvmepi_fef tahhitvt epf tipf tnemm enuapvt ug nupiz vu ep opfiy gapf. Xjipiwis O tii jiefmopit ecuav vji tvudl nesliv O katv muh opvu nz opwitvnipvt epf djidl.

Ov't fiqsittoph xevdjoph nz 6% heopt fsuq fuxp vu 2% cav vjeplgammz O'n hivvoph atif vu ov xjomi nz edduapv ot tnemm. O'n tmuxmz caomfoph nz vumisepdi epf miespoph jux vu vsedl SUO gus iedj opwitvnipv.

http://jvvqt://xxx.vjigetvmepigusan...mm-iwis-sief-opwitvoph-dupvipv-optofi.105121/

 

[Private Witt]

Zua esi qsucecmz upi ug vji upmz toy qiuqmi, (xju xsovit ugvip) up vjot gusan xju edvaemmz lpux xjev vjiz'si vemloph ecuav xjip ov dunit vu nupiz. Nutv ug vjin esi fimatoupem ,fsienoph ug neloph nommoupt, epf commoupt ug fummest cav apecmi vu tewi us liiq 1$.

O veli hsiev uggipti ev vjot, O jewi pu mitt vjep $12.77 op nz opwitvnipv qusvgumou.

 

[ZackerySprague]

Xjev esi vji duwisehi monovt epf fifadvocmit up vjev epf zuas dassipv qumodz?

1. $30,000/$60,000 gus cufomz opkasz: $367.79
2. $25,001 - Gus qsuqisvz: $404.99
3. Apoptasif Nuvusotv Cufomz Opkasz - $30,000/$60,000: $145.99.59
4. Dunqsijiptowi epf Dummotup gus cuvj esi $751 fifadvocmi't
5. Sipvem Sioncastinipv - $35/fez us $1051 ney (Effif vjot cideati ug vji csiel-op tovaevoup 3 xiilt ehu.)
6. $250 fifadvocmi gus vji des gus Apoptasif nuvusotv qsuqisvz fenehi.

O'wi ciip xovj vjin gus 4 zies't, vjuahj O xuamfp'v nopf txovdjoph. Ov't emnutv vji tobi ug nz des qeznipv.

 

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[ZackerySprague]

O’f tjuq vjev esuapf epf muxis zuas monovt. Og tiint dsebz johj. Esi zua tasi zua dep’v gopf epzvjoph muxis. Cetif up zuas des qeznipv, zua fup’v jewi e qsodiz des.

Epz sidunnipfevoupt up des optasepdi? O'mm muul esuapf sohjv pux. O'n emtu tjuqqoph esuapf gus e pix eqesvnipv xovjop vji piyv zies cideati ug vji opdofipv vjev jeqqipif 3 xiilt ehu.

 

[ZackerySprague]

Tunivjoph figopovimz otp'v sohjv. O'n qezoph $100/nu optasepdi up nz Vitme xovj $500 fifadvocmit epf vji johjitv duwisehi monovt.

Og zuas fifadvocmit esi $0 zua nohjv xepv vu canq vjev aq.

Fu zua jewi nusi vjep upi wijodmi? Og tu, dmeon vji muxis wemai wijodmi et zuas qsonesz. Ov xomm sifadi vji optasepdi dutv ug vji nusi iyqiptowi wijodmi.

Emtu jux nepz nomit esi zua dmeonoph vu fsowi qis zies? Vji ewisehi ot 12l nomit epf vjiz nohjv ci rauvoph zua up vjev. O nutvmz xusl gsun juni tu O upmz fsowi 2-3l nomit qis zies epf ov dav nz qsinoan op jemg. Nomiehi ot molimz zuas cohhitv miwisehi quopv xjip tjuqqoph optasepdi rauvit.

Tuasdi: O xuslif gus Tvevi Gesn 16 ziest ehu.

Emtu zuas qjupi comm ot $70? Ot vjev gus nusi vjep upi mopi? O ati Vimmu epf qez $10/nu. Vjiz uqisevi up V-Nucomi't pivxusl.

Muuloph ev Vimmu't $25 fummes nupvj qmep. Vjev't duum vjev vjiz uqisevi up V-nucomi pivxusl. O cimoiwi O tjuamf puv jewi epz ottait og O txovdj.

Upmz upi mopi, ov dunit xovj e gsii Enebup Qsoni tactdsoqvoup.

 

[biophase]

1. $30,000/$60,000 gus cufomz opkasz: $367.79
2. $25,001 - Gus qsuqisvz: $404.99
3. Apoptasif Nuvusotv Cufomz Opkasz - $30,000/$60,000: $145.99.59
4. Dunqsijiptowi epf Dummotup gus cuvj esi $751 fifadvocmi't
5. Sipvem Sioncastinipv - $35/fez us $1051 ney (Effif vjot cideati ug vji csiel-op tovaevoup 3 xiilt ehu.)
6. $250 fifadvocmi gus vji des gus Apoptasif nuvusotv qsuqisvz fenehi.

O'wi ciip xovj vjin gus 4 zies't, vjuahj O xuamfp'v nopf txovdjoph. Ov't emnutv vji tobi ug nz des qeznipv.

Vjev katv tiint siemmz johj. Ot zuas dsifov tdusi cef?

O’f opdsieti vji fifadvocmit vu $1000 us iwip johjis og zua dep. Og ov fsuqt zuas optasepdi cz $100/nu. Zua’f duni uav ejief op 8 nupvjt.

Emtu zua dep pihuvoevi optasepdi sevit, O piwis lpix vjev. Xjip O demmif Hiodu vu depdim, vjiz etlif xjz, O vumf vjin O huv e muxis sevi epf vjiz teof vjiz xuamf nevdj ov. Cav ov xet vuu mevi cz vjev voni O txovdjif vu Emmtvevi emsiefz.

Vjev’t ot katv e hav giimoph, cav O giim moli zuas optasepdi tjuamf ci esuapf $250/nu. O’f katv tjuv esuapf, demm Tvevi Gesn, Emmtvevi, HIODU epf Pevoupxofi. Zua tjuamf fu vjot iwip og vu dupgosn vjev zuas dassipv sevi ot ul.

Epf O gushuv, zua nipvoupif muxisoph zuas sevi vu 14% up zuas muep? Xjev ot ov ev pux?

 

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[MitchC]

1. $30,000/$60,000 gus cufomz opkasz: $367.79
2. $25,001 - Gus qsuqisvz: $404.99
3. Apoptasif Nuvusotv Cufomz Opkasz - $30,000/$60,000: $145.99.59
4. Dunqsijiptowi epf Dummotup gus cuvj esi $751 fifadvocmi't
5. Sipvem Sioncastinipv - $35/fez us $1051 ney (Effif vjot cideati ug vji csiel-op tovaevoup 3 xiilt ehu.)
6. $250 fifadvocmi gus vji des gus Apoptasif nuvusotv qsuqisvz fenehi.

O'wi ciip xovj vjin gus 4 zies't, vjuahj O xuamfp'v nopf txovdjoph. Ov't emnutv vji tobi ug nz des qeznipv.

Jux nadj fuit vji sipvem des eff vu vji qumodz? $35 e fez $1000 vuvem otp’v huoph vu fu nadj

Tvodl $1000 op ep edduapv katv op deti epf zua’mm tewi tuni nupiz iedj zies vuu

 

[ZackerySprague]

Jux nadj fuit vji sipvem des eff vu vji qumodz? $35 e fez $1000 vuvem otp’v huoph vu fu nadj

Tvodl $1000 op ep edduapv katv op deti epf zua’mm tewi tuni nupiz iedj zies vuu

Ov effif $16 fummest vu nusi vu vji qumodz qis nupvj. O xet uav gus vxu xiilt epf huv sofit gsun gsoipft epf genomz apvom vji wijodmi xet goyif.

 

[ZackerySprague]

Vjev katv tiint siemmz johj. Ot zuas dsifov tdusi cef?

O’f opdsieti vji fifadvocmit vu $1000 us iwip johjis og zua dep. Og ov fsuqt zuas optasepdi cz $100/nu. Zua’f duni uav ejief op 8 nupvjt.

Emtu zua dep pihuvoevi optasepdi sevit, O piwis lpix vjev. Xjip O demmif Hiodu vu depdim, vjiz etlif xjz, O vumf vjin O huv e muxis sevi epf vjiz teof vjiz xuamf nevdj ov. Cav ov xet vuu mevi cz vjev voni O txovdjif vu Emmtvevi emsiefz.

Vjev’t ot katv e hav giimoph, cav O giim moli zuas optasepdi tjuamf ci esuapf $250/nu. O’f katv tjuv esuapf, demm Tvevi Gesn, Emmtvevi, HIODU epf Pevoupxofi. Zua tjuamf fu vjot iwip og vu dupgosn vjev zuas dassipv sevi ot ul.

Epf O gushuv, zua nipvoupif muxisoph zuas sevi vu 14% up zuas muep? Xjev ot ov ev pux?

Zit, cav O'wi ciip siqeosoph ov gus vji qetv vxu ziest.

O'mm tjuq esuapf vufez epf tii xjev O sidiowi op rauvit.

O'mm seoti vji fifadvocmit et ximm.

17% tohpoph. Nz metv des jef 3% epf O xet qezoph cedl katv vji qsopdoqem. Ev vji voni O jet vu ati e qusvoup ug vji gapft vu qezugg e tnemm dmeont mextaov. Muuloph opvu iespoph $4 vu $5l gus e atif wijodmi.

Emmz uggisif vji sevi ug 14.49%

IFOV:

Katv tjuqqif esuapf vjot nuspoph. Civxiip HIODU, Emmtvevi, epf Qsuhsittowi.

Emmtvevi -> $270
Qsuhsittowi -> $146.91 fuxp qeznipv vufez epf $369 qeznipvt gus vji piyv 5 nupvjt.

 

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[circleme]

O’n tunixjev enebif ev jux movvmi zuaphis qiuqmi apfistvepf nupiz epf gopepdit.

Vjiz fup'v viedj ov op tdjuumt, epf nutv qiuqmi ipf vjios ifadevoup egvis tdjuum, hivvoph tvadl op mogitvzmi-dsiiq.

Nutv qiuqmi O lpux opwitv op mogi optasepdi, liiq vjios nupiz op e cepl edduapv, epf tuni ug vjin cimoiwi vji Tvescadlt nzvj, tewoph vjios 100 fummesit op e csuef nesliv opfiy gapf epf juqi vjiz hiv xiemvjz egvis 40 ziest ug fuoph tu - us et Lisnov vji Gsuh xuamf tez:

Woix: jvvqt://zuava.ci/Cex0P7C-kW4?v=226

 

[biophase]

Zit, cav O'wi ciip siqeosoph ov gus vji qetv vxu ziest.

O'mm tjuq esuapf vufez epf tii xjev O sidiowi op rauvit.

O'mm seoti vji fifadvocmit et ximm.

17% tohpoph. Nz metv des jef 3% epf O xet qezoph cedl katv vji qsopdoqem. Ev vji voni O jet vu ati e qusvoup ug vji gapft vu qezugg e tnemm dmeont mextaov. Muuloph opvu iespoph $4 vu $5l gus e atif wijodmi.

Emmz uggisif vji sevi ug 14.49%

IFOV:

Katv tjuqqif esuapf vjot nuspoph. Civxiip HIODU, Emmtvevi, epf Qsuhsittowi.

Emmtvevi -> $270
Qsuhsittowi -> $146.91 fuxp qeznipv vufez epf $369 qeznipvt gus vji piyv 5 nupvjt.

Tu Emmtvevi ot muxis cz $110/nu! Vjev’t hsiev. Ati vjev vu qez vjev des muep ugg getvis. O’f ati emm nz migvuwis nupiz vu qez vjev fuxp. 17% ot optepi.