Category: Personal Views
I am a CPA Candidate sharing my experience building my portfolio while in my 20s. During this process of sharing information online I hope to increase free financial literacy access for all.
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What To Do After Reaching $100K Net Worth?
Reaching a $100K net worth is a major milestone in personal finance. For many, it represents years of discipline, sacrifice, and growth. Whether you got there through consistent saving, investing in the markets, building a side hustle, or all of the above, hitting six figures signals that you’re no longer just starting out. You’re in…
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Portfolio Update: June 15th, 2025
Since my last update right after Liberation Day, I bought the dip and added to a few positions I already had, added a popular defensive ETF to my portfolio, stayed vigilant in my holdings. Thankfully the markets have recovered but not much growth beyond recovery. I am aiming to add more defensive positions in my…
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How Would a Boglehead Invest in Private Credit?
Investing in private credit presents an interesting question for followers of the Jack Bogle investment philosophy. While a Boglehead traditionally focuses on low-cost index funds and publicly traded securities, private credit exists outside this familiar territory. This asset class, which includes direct lending and other non-bank financing, has gained attention for potentially higher yields in…
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Liberation Day Portfolio Update: April 5th, 2025
Since my last update back in February, I had covered calls expire and sold my Starbucks position providing me more cash, made regular investments through my work 401(k), and my cash savings have gone up due less spending in the end of February and March. Markets absolutely plummeted due to ‘Liberation Day’, the drastic tariffs…
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Portfolio Update: February 22nd, 2025
Since my last update at the start of January, I have been making some changes to the site with monetization updates and more types of content. I had 2 new investments in my portfolio with Fundrise and UEC. I added UEC to capture the anticipated growth in nuclear. Portfolio Allocation: Cash & Equivalents (53.2%): Cash…
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Where to Start with Personal Finance?
Starting with personal finance can often seem overwhelming, especially if you’re unfamiliar with the basics. To begin, assess your financial situation to understand your current standing, as this is critical for crafting a financial path forward. Educating yourself on financial literacy concepts like budgeting, saving, and credit management is essential to building a stable financial…
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How My Portfolio had a +51% Return in 2024
Portfolio Performance Overview 2024 was an exceptional year for my equity portfolio, delivering over +51% returns. This outperformance was largely driven by a mix of strategic concentrated positions, options strategies, and steady dollar-cost averaging (DCA) into the S&P 500. Below, I outline the key contributors to my success and the strategies I used to manage…
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Your Net Worth Does Not Explode After 100K
If you’ve spent even a little time in the personal finance corner of YouTube, you’ve likely come across a catchy, clickbait title: “Your Net Worth Explodes After $100K.” It’s a bold claim—an enticing promise that reaching this magical milestone will catapult your financial growth into the stratosphere. But is it true? Does your net worth…
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Portfolio Update: January 1st, 2025
Happy New Year everyone! Before 2024 ended, I made some changes to my portfolio to position myself for long term tax savings by maxing out contributions to my IRA & HSA accounts. I am really happy for how 2024 went and I am looking forward to what 2025 has in store. Portfolio Allocation: Cash &…
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Portfolio Literacy in 2025: The Next Chapter
As we step into 2025, I’m excited to share the evolving direction of Portfolio Literacy. This past year has been about laying the foundation—building tools like the Future Value of Investments Calculator, exploring portfolio risks every investor faces, and discussing the fundamentals of financial literacy. Now, it’s time to take things a step further. In…