Former soldier. Full-time dad. Part-time app builder. Learning money out loud, one paycheck at a time 📈 Real person, real posts, no bots 🧡
north Carolina
Joined October 2020
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Spencer R. retweeted
🚨 $SCHD BREAKS $36 FOR THE FIRST TIME EVER!
Another ALL-TIME HIGH, reaching $36.10 today! 🏆
That’s $108.30 on a pre-split basis! 🤯
Think about that. At today’s high, every single share of $SCHD ever purchased was in the 🟢!
But this post is about more than a new high.
To everyone who took arrows alongside me when $SCHD was lagging the market, who endured the criticism, ignored the noise, stuck to their convictions, and kept loading up when others were losing faith…
THIS ONE’S FOR YOU! 👊
We didn’t know when sentiment would turn. We just kept believing in what we owned, stayed patient, and continued building when others were walking away.
Congratulations to everyone who stayed the course. You earned this moment! 🍻
And remember, the next period of underperformance will come. How we respond to it matters far more than celebrating today’s high.
Conviction isn’t tested at all-time highs. It’s tested when nobody wants what you own.
Honestly love my Stealth Grey Model Y with the orange door handle and mirror covers! Also made a call on the loan: the rate is so low I'm NOT paying it off early. Regular payment, extra cash goes where it can earn more. Anyone else fight the urge to pay off the car?
Spencer R. retweeted
You don’t need to be wealthy to start investing. You need to start before you feel ready.
#Investing
Spencer R. retweeted
💵💵💵 Here's a money tip that could save you thousands over time 💵💵💵
Don't let your money sit in a bank account earning next to nothing.
If you've got savings, make sure you're earning a decent interest rate on them.
Your money should be working for you, even when you're sleeping!
Small changes can make a big difference.
Spencer R. retweeted
The Terafab project is going well
STRONG SIGNAL 🚨 Terafab is moving forward at lightning speed because the engineers themselves have the authority to make decisions 🔥
According to Korea’s The Elec, a Korean supplier executive said that even questions sent during the early morning hours in the US get answered within 30 minutes to an hour. In his view, working with Terafab is completely different from dealing with conventional semiconductor customers.
An executive at an overseas equipment maker went even further: “I’ve never seen this level of execution speed in the semiconductor industry.”
Building a fab involves countless questions like these, across every tool and material that goes into it. When each one gets a fast answer, the time saved keeps compounding, and that could add up to a serious head start before a single wafer is even processed.
The chip industry spent decades perfecting how a fab should run. Terafab is being built by engineers who answer a supplier’s question before the US is even awake and are trusted to decide on the spot, and that may turn out to be the most disruptive process change of all.
Confession: I built my budget spreadsheet so detailed my phone literally won't open it lol. Tens of thousands of formulas for a dad who just wants to know if we're good this month. Building a simple phone version now. Anyone else overbuild their budget?
My account probably doesn't have the reach but I figured for those out there thinking about opening their first brokerage account go ahead and use my link. You get a choice out of 26 stocks to snag one. For your future financial freedom, you have to start somewhere, even $25 would get your foot in the door!!
join.robinhood.com/darylr196
Veterans Day is two weeks out. Honest question: what's one benefit you didn't know about until years after you got out? I'll go first, I wish someone had told me about the county vet office on day one.
Quick question for my fellow vets. When your VA pay goes up 3.6% in December, what are you doing with the extra?
1. Savings or emergency fund
2. Invest it
3. Pay down debt
4. Spend it, I earned it
Reply with a number.
Fellow girl dad here, saving this one! I'm newer to investing and most of mine sits in plain index funds, so I've wondered where dividend ETFs fit. Would you pair one with an S&P fund or is that mostly overlap? Not financial advice
The Wooby Hoody is back! Any Army vet knows the woobie is sacred lol. Ranger Green has to be the pick. How does it hold up in the wash?
Burger or cookie, I'd eat it either way lol! My 4 year old would swear it's real and my 14 year old would post it before taking a bite. Orlando at Halloween with kids sounds fun. Is that Ritz family friendly or more of a couples stay?