VOO

sonofalando

We going to VOO 720 next week

PerformerDifferent69

Had someone from Edward Jones come into our office and talk to me one time. Their fee was not unexpected but frankly rediculous. What's wrong with opening a brokerage account and investing in VOO?

ExcellentWinner7542

Don't do it. Fidelity instead and just place it in FXAIX until you can determine where you want to diversify. I have an old ML account in the $2 million range and I get terrible service relative to a newer Fidelity account with only $300k. Right now you'll see over and over again VOO, VTI, VXUS and your done. This isn't wrong but be 85% VOO, 10% VTI, and 5% VXUS.

Icy-Language2112

whtat is happening to cause my VOO to go donw

Mjensen84b

You don’t have to beat the market. 75-80% of all active portfolio managers cannot beat the market, that’s fact. Just invest in the market ie VOO and VGT/XLK in a 70-30% (VOO 70%, VGT 30%) and leave it for 20 years. Make sure you have enough emergency fund to dip into in case of emergency so you never have to sell in a crash, the index will recover and make new ATH.

Cranky-Bunny

I see this as a reminder to diversify your portfolio. The "VOO and chill" crowd are in for a rude awakening when they find out how much of their portfolio is tied to AI.

Airizom

Everytime the market crashes I tell myself I should had bought VOO and chill’d but I never buy it whats wrong with me

GMVexst

VOO And chill is your only option, your an anxious mess

Airizom

Im sick of my stocks being down 10% for the day and VOO being down -0.30%. But when voo recovers they are still down !!! Im so mad!!!

Icy-Language2112

when do you guys think VOO will bound back to 714

Icy-Language2112

what is happening in iran and us that VOO went down so much

Icy-Language2112

my VOO went down and 65 dollars of unrealized loss

Elegant-Age-47

He actually told me it would not be him investing the money. It goes into the company and a group of 1k investors manage it. I asked what they put it in he said he cant tell me. Most likely he thought i'd follow what they did, but on my own without their own gains? Also he seemed salty i wasn't leaving the cash. It also was 16% on the best year. Others were below! Plus its weird he already was in my account before I was even there lol no verification code or anything like what? I also agree on the income part! Investing is just a part time job that works for you while you make more money to pour into yourself. SPY and VOO are some on my list for sure!!!

MaydayTwoZero

Is anyone else reallocating from stocks to something more conservative in non-taxable accounts? I’m not close to retirement but see no reason not to de-risk before midterms if there’s no tax hit. I understand this is not “VT/VOO and Chill” or a model of Boglehead principles, but the only cost of doing this if I’m wrong would be a month or so of gains assuming I shift in Sept/Oct.

GaylrdFocker

>I'm a new investor, what's going on? Should I dump my ETFs? You didn't pick good sectors or stocks. You should dump everything else and put it in VOO/VXUS

Hellingame

And even those who do pick stocks and somehow win eventually realize it's only short-term or not worth the effort. I was doing options for about 4-5 years after COVID, and annually beating the market by 3-8%, on top of my regular 9-5 job. I was also getting ~4 hours of sleep a night, and an emotional wreck whenever the market swung in unexpected ways. Nowadays all my exposure in the market is VOO/VXUS, with a portion in industry specific ones. I check my holdings at most twice every two months, adjusting as needed. My sleep schedule has never been better.

pr0prfkt

You can certainly just drop 100k in VOO and beat any pro managed account. The question is will you panic sell when the market dips? Will you add to the holding on an automatic basis? Don’t get me wrong, I bet that advisor wasn’t good (most advisors aren’t), but if he got you to auto invest and not panic sell, that’s half the battle for wealth. You don’t sound like someone that has lump summed 100k before or has a strong auto investment schedule. You sound like someone who thinks a balanced portfolio should beat the sp500 (pure VOO) in returns, which means you don’t know how the market works. This is no insult, the majority of people in these subs are like you.

PooPooPointBoiz

Yeah. I guess so. It just sucks. The options are take risks like this, and really in comparison to the 0DTE plays retards do on here, leveraged META wasn't THAT risky. But still, I got burnt. Or the other option is to put it into VOO and just wait 30-40 years until I'm old and decrepit then I can spend a bit.

PooPooPointBoiz

I guess dude. I'll take what little I have and put it in fucking VOO I guess. I still feel fucking numb.

LightForceUnlimited

I started with a Merril advisor but something always felt off about that. I taught myself investing by reading on the Boglehead reddit and wiki and watching the money guy in YouTube. I essentially went 100% VT in both my Roth IRA and Brokerage accounts with Merril. 90% of actively managed portfolios fail to beat the market and you will be paying their advisor fees. Choose a good ETF like VOO, VTI, or VT and go all in on that. I personally did VT but all three are good options. By as many shares as you can. merril does not allow for fractional ETF purchases yet so the "spare change" will have to get swept into one of their mutual funds with no transaction costs that they hold with T Rowe. Be sure you have enough "spare change" to buy one full share or else Merril will liquidate that holding at the end of the month. https://www.bogleheads.org/wiki/Merrill_Edge

YourChildhood5762

RSP has served me very well this year, especially during the April correction and the June tech meltdown. I have 45% in it. I have 5% XLG so that I don't miss out entirely on those MAG7 riches. It's done well this year (within 2% of VTI and VOO) but 100% would be too much. It's down 20 points to VTI over five years. I don't see the point of balancing it against VTI or VOO. If AI crashes, RSP won't go down as much but it will still go down because those all cover the broad market. I have RSP as protection against a dominant sector correction, but I play it against themes and sectors that are counter to whatever is the dominant risk. So if AI crashed, RSP would go down less and my other holdings would pick up the slack. If you're just going to go VTI / RSP and a little bit of VXUS, I think you're better off just accepting the risk in VTI.

PhotoSpheres

It makes me wonder if I should just stop being a degenerate and invest 100% in spy or VOO 🤔

omarmatar99

Haha, I already own VOO. I just enjoy picking individual stocks and taking some additional risk.

itsgabenog

OP, forget about that. All you need is VOO and chill.

Cloud2987

I just invest in VOO, QQQM, QQQJ, and IBIT in my growth portfolio. I’m done picking stocks and checking on it daily.

NOIRCEUR_TRADING

Sometimes you get lucky... Really really lucky (\~2 year timeframe of mostly gambling). That said, the vast majority of my wealth is in VOO, SCHD, SIVR, IAUM, and LIT. Doesn't get touched much at all besides the consistent DCAs. https://preview.redd.it/midwqy6df6kh1.jpeg?width=1220&format=pjpg&auto=webp&s=0526385019d02914ae42ea5563cdb0b9293ec2d3

atheos42

Dump EJ, move you money to a proper broker like fidelity, and buy very low expense ratio index funds like VT, VTI, or VOO.

Diguojigood

Leopold: VOO and chill

Sampsonite_Way_Off

It's nice to have a person to blame and with self investing it's you. My grandparents and parents always blamed their brokers, politics or didn't care to know. I have been badgered by my bank to get into the market. They suggested a managed account but the fees, and much lower gains than VOO turned me off. So I finally bought in yesterday, self managed. I'm a bit sick today. It would have been nice to have a 3% pop so I could, more easily, forget about it for a year. Most of my investments are in S&P 500 ETF's but the single stocks plays are getting crushed. CAT and MU have properly welcomed me to the casino.

bofoshow51

There are levels to investing, and not every level has the same success: 1. You know nothing about investing, you just invest in whatever people tell you to, often super popular things like Google, Amazon, Apple, maybe SCHD or VOO. For the most part you are fine, but risk falling for hype traps or listening to people that think they know better and are wrong. 2. You THINK you know investing better, you’ve watched some videos and heard some standard catchphrases, and believe you are ahead of the average investor now. When actually you don’t know how to read a prospectus, you just have “developed a sixth sense for the market”. You day trade and use options and margin borrowing to maximize your “edge”. Your portfolio is inflated with dozens if not hundreds of holdings, constantly buying and selling to try and stay ahead of what you perceive as market trends. You trick yourself for months or maybe years, but statistically will lose a significant amount of money this way. You are a gambler, and have a gambling problem that you have masked as financial investing. 3. You know enough about investing and financial literacy that you understand that the vast majority of investors, even those actively trying, do not consistently beat the market. You take it easy by investing in the total market, the 3-fund portfolio, and letting the chips fall where they may, with the solid trust that over years and decades you will grow at a comfortable rate and outperform 95% of active investors. You buy VT or VTI/VOO + VXUS or similar combos of broad market low-cost index funds, eventually rebalancing into bonds as you near retirement. You properly utilize Roth IRAs and 401ks to get valuable tax advantages. You barely ever have to look at your portfolio, because you know day to day market moves are nothing but noise. You are optimal. 4. You are Warren Buffett. You are the rare 2-5% with enough knowledge, enough understanding, enough time, enough money, and enough luck to consistently study the market and invest properly to beat the market average across the long term. You are a select few that is nearly impossible to reproduce, due to needing to be in the right place at the right time, having the knowledge base and resources to take advantage of what you see that few others do, and have the fortitude to stick through hard times and not panic. WARNING: even among this group, the extra work and effort to outperform the market is significant but doesn’t return a proportional extra profit compared to simply investing in the broad market and chilling. 5. You are an inside trader. You have special access to information about the market that no one else has, so you have an unfair (illegal) advantage. You can properly time your investments to fully maximize gains and minimize losses, and make significant profit that no one else investing is able to. You are a criminal, and if caught you will go to prison or have to pay out millions and be ostracized from society.

maikaubay

TL;DR take the red pill and buy VOO

Professional_Cup7379

Your themes are tied to a few parts of the market, while VOO and VXUS own a much broader mix. So when those themes fall out of favor, your individual stocks can lag even as the ETFs reach new highs. That looks more like those stocks moving differently than the broad funds, not a reason to dump VOO or VXUS.

D_Pablo67

The S&P 500 ETFs VOO, SPY and IVV are an easy way to invest on a schedule (dollar cost average) and make excellent long term returns. But you miss out on great stocks. Building a base of first $25k in VOO then looking at some great individual stocks is fine. I have mostly individual stocks, but still some VOO, QQQ, IJR, JEPQ and JEPI.

Eyoba_19

Is it really that hard? Started around when Iran war started late Feb/early March, only doing mostly SPY and some QQQ options, still have huge holdings in VOO https://preview.redd.it/7qo05bj6i5kh1.png?width=1206&format=png&auto=webp&s=a19f72fec50215e4182ae506125ebdde4c5ad03f

ManiacsInc

You might as well burn money sitting at 3.5%. This is no where near the top and every year will continue to be ATH because money is in inflation indefinitely. You could’ve trimmed your position by converting some of your gains into VOO or VTI. I’ve been adding about 10% of my portfolio into VOO this year, and I will continue to do so. Or just start doing 0tde and be a legend.

Strange-Resource-305

My dumb thoughts: \- Bubbles are only truly identified in hindsight. This is innovative stuff happening here, and history is being made in front of our eyes. This might just be a burgeoning industry in its infancy which would mean the growth will be huge, and as long as it is supported by viable business models and real revenues, it will avoid the dot com bubble results. \- I do think it is probably over valued right now, and couple that with the inevitable contraction phase of the business cycle for this industry, there will probably be a pronounced dip at some point. That doesn't make it a bubble, and you shouldn't sit on the sidelines and wait for it to get in. \- So in the end, unless you have a mess ton of excess cash you can afford to lose, I wouldn't worry about picking winners or losers and I wouldn't worry about a bubble burst. You could pick a mutual fund/etf that focuses on investing in these companies to purchase the portfolio via DCA, or just DCA your way into SPY/VOO because the broader market is already heavily waited toward these kinds of stocks. Or QQQ if you want to get a little more focused. \- If you're in it for the long haul, and get a diversified fund, you'll be able to ride out the inevitable dips. you could allocate a small portion of your investment savings into high yield cash to leg into larger purchases on the dips, but that is up to you.

PositionRound9996

If you had sold everything and put everything to VOO for the rest of the life, you could have been the part of 5% investors who beat VOO in long term horizon.

AlekRivard

That's because no one can handle delayed gratification anymore. $4K in capital in VOO, from graduation (21) to retirement age (67), grows to about $1.5MM with NO contributions at that 13% growth rate. +$100/month and it grows to $5MM. Let's say they are doing that through 401K with 50% employer match, so $150/month total. Now it is $6.8MM. Acting like it is an "of course" is just a failure on our part educating younger generations on financial responsibility.

Xalksahsax

Invest into VOO, SPY is better left for options.

EnderForHegemon

VOO and chill is not "buy VOO once and watch it become millions". It means don't touch what was previously invested, and continue to invest regularly. The desire to double or triple money overnight is going to bankrupt the vast majority of people. Investing is a long term activity measured in decades, not days. I'm not exactly a Rockstar but I went from contributing 3% of my salary to my 401k 10 years ago (that is what my employer matches, they also offer a pension if that sounds low) to 16%. My balance is nearing 200k. That took 10 years and i still have 30 years of contributing to go. It is NOT a short term thing.

Forded_Fiction24

Data center, software and quantum are all tech basically one sector. Rare Earth and uranium are basically in the same sector. You're not diversified compared to VOO that has around 505 seperate holdings. That's why you're saying a difference. You shouldn't dump Broad-Based ETFs that are performing well and are expected to continue to perform over the long term

DrixGod

Well yeah because you need money to make money. Everyone says VOO & chill, VOO returns 13% on average a year, but when your starting capital is like 4000$, 13% is like 500$. What are you gonna do with that? Ofcourse they'd rather just gamble on a chance to double/triple their money overnight.

pr0prfkt

A pro managed portfolio is never going to beat sp500. A balanced portfolio will have bonds, international. Pure VOO is more aggressive than balanced portfolio. What is easy to say is that people are better off not paying a pro. But you’re comparing a life of investing vs not paying a fee. In reality: they don’t pay a fee, but they also don’t invest. I meet people everyday that wish they would have been paying fees for last 20 years, because all they have today is their 401k and their equity in their primary residence that they will never sell or get a loan against. It’s not about what you pay, it is about what your nest egg looks like. The data is clear, less than 10% invest outside of retirement… most people should be paying fees, at least they would be invested and off the sidelines…

guzzledglizzy

I could’ve just VOO and chilled but I got greedy and now I have nothing

Mindless_Acadia_7382

This is not a diversified portfolio. All of the stocks you list are already included in your ETFs. Many of the stocks are even included in all three of your ETFs: Microsoft, Amazon, Apple, Nvidia, Intel, and Tesla. This means your girlfriend should hold the same stocks four different times: one time directly and then one time in each of the three ETFs. Also, growth doesn't mean that your money will grow faster if you invest in growth companies. It means that a high portion of the current stock price is not based on current earnings but on future growth expectations, which makes those stocks more volatile and risky. For example, in an environment of rising interest rates, like 2020 and 2021, those growth stocks lost more in value than if you had just bought a regular ETF with a whole broad market. If you want a diversified, relatively safe portfolio, then you should invest all in VOO, which is the US stock market, or in VT, which is the global stock market

zacksnack5

VOO is only 16 years old

RedWhiteBlueCountry

VOO

Fond_Memory

If it was me, I would look at schools I want to go to (It doesn't have to be grad school, it could be a trade program if you want to do some other skilled labor) and figure out how much money I need for rent, food, tuition etc. for the entire time I was going to be in school. Put that much money in something safe like a money market fund. Whatever is left after that can go in something like VOO.

Suspicious-Holiday42

In the long term VT outperforms VOO

NorthvilleGolf

It’s like VOO. People think price of VOO keeps going up but $1 buys less of a share of VOO every year.

MassiveLuck4628

Nothing is as inept as a financial advisor that thinks they can actually read the market. Paying a guy A 1% AUM fee to get beat by VOO year after year is insane to me, I will never understand the reasons why anyone would pay a financial advisor for investing

FatGPT3

And yet VOO beats most active investors on Wall Street.

justadimestorepoet

Not my best performer, but my favorite is HAPI, which, in a nutshell, seeks to invest in companies that treat employees well. I believe in the underlying logic, and I think it's a neat concept for an ETF. Pretty boring otherwise. Like 20% VOO, and smaller holdings in industries I don't feel confident picking winners in.

Intrepid-Wait-6102

70/20/10 VOO/VXUS/AVUV. I do that above and hold some individual stocks that I actually have genuine conviction in and are solid business to scratch that trader itch but definitely would trim most.

alphalegend91

Thirds from me. I can understand gambling as I've done some ballsy options in the past, but even I still keep a majority of my portfolio in VOO.

Mundane_Grand_9117

The first is to deeply internalize that you are likely to just do worse than buying VOO and holding.

BatCleanUp

Thank you for saying this. The last time I heard this was 2007 regarding home prices. Related Google search: If the Vanguard S&P 500 ETF VOO reverted from its elevated valuation to a long-term historical average price-to-earnings (P/E) multiple, its price would drop to roughly $450 to $500. Current Valuation vs. Historical Mean * Current VOO Price: Trading near $713.60. * Current Market P/E: The S&P 500 trailing P/E ratio sits at an elevated 26x to 30x. * Historical Mean P/E: The long-term modern average P/E ratio for the index is closer to 18x to 20x. * The Math: A reversion from a P/E of roughly 28 down to a historical mean of 19 implies a valuation contraction of about 32%, putting a theoretical mean-reverted VOO price around $485.

Prudent-Corgi3793

Not at all. I assume by growth you mean "during accumulation phase". In international markets, the value factor has historically given better returns. - [DFIV](https://testfol.io/?s=k6MOsA4sWYi), a developed large cap value fund, has outperformed VOO by nearly 3% per year since inception (about 5 years) at lower volatility - [AVDV](https://testfol.io/?s=1ip8wFDnHWm), a developed small cap value fund, slightly trails VOO since inception (7 years) with similar volatility, but has dramatically outperformed since January 2025 by 23 percentage points per year. - [DFEV](https://testfol.io/?s=f8VmzxSFdPA), an emerging value fund, also slightly trails VOO since inception (4.5 years) with similar volatility, but has dramatically outperformed since January 2025 by 16 percent points per year.

buttscratcher3k

VFV vs VOO?

Bob_the_peasant

Anyone that has an issue with particular tickers being evil needs to take a good hard look at their precious VTI/VOO, take responsibility and go all cash You can’t have it both ways. might as well make extra money while everyone’s 401k juices the baddies anyway

Low_Plastic363

I have seen my future. It involves wheeling CCs and CSPs on my non-VOO bags and using the proceeds to stack VOO during the Great Bond-Driven Equity Reset of Late 2026. Please to be buying my calls, regards.

SteakEater137

Im making much more money than VOO, and that's kind of my point. You have to babysit everything to avoid losing money to the manipulation. Profitable? Sure. But gets tiresome.

hgangadh

Invest 30-30-40 VTI-QQQ-VOO Invest every month some money. Any money you keep for emergency put in a high yield savings account like Marcus/Apple Savings account. Most of these shares you can buy fractional shares once you have at least one share in the account.

AnotherThroneAway

I mean, literally you could have beaten the S&P over 10 years by buying 1 share of NVDA, and plowing the rest in VOO

jcpopm

This is the actual answer, though. I think he means no SPY/VOO but DRAM is pretty clearly the way to play memory.

jcpopm

This is the actual answer, though. I think he means no SPY/VOO but DRAM is pretty clearly the way to play memory.

creemeeseason

VOO and SPY are essentially the same thing with different expense ratios.

applebarista

Hi friends. Looking to rotate more into index funds/ETFs for part of my portfolio to reduce some volatility I experienced with semis. I’m eying VOO, VTI, SPY, but haven’t seen a major drop worth getting yet. I know they won’t drop much. Any one have any suggestions on whether to pursue these now, or perhaps any other index funds they are a fan of?

b1gb0n312

VOO instead of VT? you're going to ruin your portfolio!!!

Ernie_McCracken88

Just reading the title I said "I bet it's VOO and a tech index or a smattering of tech stocks"

LostintheCrown

This is why I don't think I'll ever trade options with more than 1k. It's just for fun and quick gains, 99% of my money is in VOO and chill.

Straight-Annual8687

Mix some VOO and VTI \~60% with some growh / fun and don't trade as frequently. My 'fun' include SOXL, TQQQ, IOVA, RIGL, PL...... I found if I'm too chill or too crazy it doesn't work. The balance keeps it interesting (and profitable)

Commercial_Seat_3704

I think it's time for me to hang it up and just VOO and chill. I've been trading for 10 years now and tbh this shit isn't fun anymore.

xHawk13

And this sub makes sure everyone knows that most people don’t beat the market. Buy SPY/VOO every two weeks. This is obvious best practices and logic. If you want to have a somewhat active investing strategy even if it’s not a “best practice” according this sub, you can’t even discuss this here and get downvoted. This is just an echo chamber without any real discussion most of the time. I’m not saying you will be able to beat the market but I would much rather read about peoples strategies that are not buying the same indexes every two weeks. This should be like investing101 sub. WSB is actually more advanced than this most of time with their DDs…lol

thatErraticguy

VTI instead of VOO? Wrongthink, ban this guy from the VOO and chill newsletter!

RegisteredJustToSay

Well, tax strategy, risk management and diversification, asset class allocations, choice of brokerage to minimize fees, etc. It's not like the only step is putting money in VOO.

harpswtf

That's not a bad idea, I should start a VOO and chill newsletter and email it out every day

Hodgey91

I thought the first 100k was the hardest? Mf I’ve been yoyo just above it for a good while now. Maybe it’s time for VOO and chill

NapNapNapNap

I just put my life savings on VOO shares. You’re welcome.

sitbar

Anyone holding just SPMO instead of memory/QQQ/VOO?

fulltea

VOO.

NecessaryEmployer488

VOO for equities is a balanced and diversified. I wouldn't say it is safe. The overall market can have pretty big waves and VOO will rise and fall with it.

0DTE_Demon

SPY nor QQQ are diversified, the fact that people think this and "VOO and chill" is so common is going to come back and bite people eventually. A market fund for the whole world is diversification, whereas SPY and QQQ are heavily betting on AI success.

Mcguffn

I buy whatever is trending… Made money off OPEN, SKHY etc. Then I sell and put the money in VOO. I never bet more than 10K in these “trends” and I always buy stocks with a stop loss

AspiringHippie123

3.3k invested in MSFT and NVDA is probably the exact opposite of low to medium risk. Pop 90% of your portfolio into VOO. As you keep investing money, keep that ratio. MSFT is a good long term investment, I would also suggest GOOG as it’s less propped up by AI. NVDA is risky, eventually competitors will eat up more and more of its market.

Diguojigood

Kill the shorts Kill the longs Kill the shorts Kill the longs Rinse and repeat I have my money in index and only play with a small gambling account for some fun. The only way to win this game is just VOO and chill, or take the gains and leave when you are still lucky, but how many can do that?

wonderland_citizen93

To be honest I have SPMO instead of VOO and I'm better the S&P500 so I'm not shifting off of it

wonderland_citizen93

Take profits, then readjust back to 90 voo, well I do SPMO instead of VOO

Informal-Lime6396

There's no guarantee your list will outperform for the next 3 decades. If it were me, while remaining at a low tax bracket, sell just enough that keep myself under a specific bracket. If selling will trigger taxes on your parents, help pay it. The first to go are the non-tech smaller names like MA, ROBO, EW, XPO, shifting them into some ETF like VOO or VGT. I prefer to let AAPL, GOOGL, MSFT run and monitor once evey few months.

CultofCedar

I mean it’s not Wsb but yea I’ve had most of mine split something like 40% VOO, 40% QQQ, 15% random long term, 5% yolo wsb style money. Overall I’m up around 70% ytd last I checked which is more than enough since I thought I was good years ago lol. Obligatory need money to make money but SPY options have treated me well and they’re not that expensive. Hard to be mad seeing 1000% gains over the weekend when the mango man says some dumb shit lol.

Cedar_Wood_State

90% VOO, 10% moonshot

cosmic_backlash

honestly nothing crazy. You don't need to be in a rush to unwind it. Once you figure out how to minimize taxes, slowly diversifying into VOO or a another general ETF would be good. You don't need to rush to unwind them, you can do a few % every 6-12 months. Try to figure out what the max is you can do without hitting egregious tax implications and just do that each year.

blubberhound

I will beat the S&P 500 and use my profits to get more VOO.

Crazunny79

IVV is better tan VOO for long term gain

chili01

Thats what I did, VOO/SPYM and DDM.

wonderland_citizen93

I feel like after a year I would have just switched to VOO

AlllOrNada

Have Robinhood disable event markets, it’s the same thing as going to a casino. Until you learn how to trade VOO and chill

chris_ut

Buying VOO is always a solid play but not what this sub is about.

CPR123_

VOO and chill tomorrow is what I’m doing might swing it with leverage though

MaximumBother7157

20M – Looking for Investment Advice Hey everyone! I’m 20 years old and currently live with my parents in Upstate NY. We don’t come from a lot financially, so I sometimes help parents with expenses if needed . For the most part, though, I’m able to save and invest what I make. Right now I have about $10,000 invested and another $2,000 in the bank. My portfolio is currently split roughly evenly between VOO, NVDA, and MSFT. I make around $3,000/month at my job while also taking college classes online. I can currently save/invest around $1,800/month. I have about two years of college left, I don’t pay because of financial aid and I have good grades so scholarship. I plan to live with my parents until I graduate. After that, I’ll move out and start paying more of my own expenses. Time horizon: I don’t need the investment money anytime soon. However, I’m planning on taking a solo trip or two next year, which could cost around $5,000 total. I really want to travel while I’m young, so I’m trying to balance investing with actually enjoying life. Risk tolerance: I’d say low to medium. I don’t want to take on a ton of unnecessary risk. I also have no major debt or car loans. I have an older car that I bought for about $3,000 two years ago and it’s still running fine. Given my situation, what would you guys prioritize? Should I keep building up my cash savings before investing more, or continue investing aggressively while I have relatively low expenses? And how would you structure the portfolio? Any advice is appreciated.