Reddit Posts
Canadian who has roughly US$30k–$35k for the long term, looking to invest in the market. Unsure of the best long-term "boring" buys that my American friends can recommend. Do ya'll have any suggestions?
Help me find the next stock that will skyrocket 100-fold :)
IRA vs. Taxable Account (Keeping the money in for 20 years).
Built an agent that buys whatever WSB is talking about. It's down 19.2%. Got 3k upvotes on WSB before they deleted it.
I built an agent that buys whatever this sub is talking about. It's down 19.2%.
Does anyone avoid diversification (like me)?
ETF allocation changes due to high valuations
Strategy for entering the market with large lump sum
Strategy for entering the market with large lump sum
Weird question but like, are the majority of financial advisors just scam artists essentially?
Mag 7 already did their 100x (and more). So where does the next trillion-dollar (or multitrillion) company come from?
Gamers here, do you invest in a game company like Nintendo, Sega, etc?
Simple IRA through work and personal Roth IRA (35)
Supposing AI goes up, is AIS ETF a safe choice?
Beginner looking to make my first options trade — how would you approach this?
Equal weight S&P 500 ETF (RSP) for indexing rather than VOO?
Beginner looking to make my first options trade — how would you approach this?
Why are all my individual stocks down but index at ATH?
Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.
LTCG or dividends or cash to pay for big ticket fun?
Can I do multiple Schwab deposits through the year without any issues?
What are your Top ETFs Picks so far this year? Beyond VOO, VT, VXUS?
US market - VOO or CSPX QQQ or CNDX or anything else?
I'm deciding to sell NASA (tema) etf for tax loss harvesting, since I made around $300 in profit so far in 6 months. Should I do it or no? Needed thoughts.
Concentrating positions, not diversifying. Insights from those that have done this?
Thoughts on the "double dipping" portfolio ive been building
Lost some and gained a lot - should I keep going?
For anyone wondering exactly how much QQQ and VOO/SPY actually overlap, here is the math.
21M first-job in CA, USA. Seeking Investment Strategy Review
Tips for novice investor ! Critique is what I’m looking for
Question: How do passive index funds like VTI, VOO, SPY, ETC., work?
Where would you put surprise inheritance money
I have X amount to invest and I need it to triple in 10 years
Lost money trying to be clever when VOO was sitting right there
+206k from two years of VOO and 7 tech stocks. -$200k Loss from one day of Sandisk calls.
I’m going to rebalance my entire portfolio to 80%VOO 20%VUG for a little more growth tilt but I have a question about maintaining that allocation
When I put $5 on a stock I win , put $50 in I lose almost every time.
Revenge traded a NFLX loss into a $700,000 MSFT profit 💰
I wish I never invested into LUNR and NASA. been waiting for a few weeks to sell, but ofcouse dip keeps dipping....
Best Way to Diversify Brokerage vs Roth IRA?
Selling $DRAM (up 13% today), evaluating alternatives.
Chasing the memory stock rally ruined my portfolio. Now I don’t know if my new portfolio will save me or make things worse
22, Nervous about Risks / ETF vs Individual Stocks
I backtested 44 Robinhood IPO Access deals. Why buying and holding is a trap and the hypothetical strategy that beat VOO
Top ways to invest in innovative companies through ETFs? High risk appetite
going all in on “small satellites”
Uncertainty with my portfolio, should I reallocate, trim, hold?
38M Canadian with Defined Benefit Pension: Looking for Honest Criticism of My LongTerm Investment Plan
Trying to ACTUALLY understand what is happening with memory stocks; not asking for predictions
Are there stocks with 6%+ dividends that still keep pace on IRR overall with equity ETFs (12%+)?
Thoughts on auto-callable basket type instruments with downside protection?
19-year-old college student looking to invest for the long term. What would you buy in 2026?
21, recently married. Any advice for a new-ish investor like myself?
Mentions
If you have lost 6 figures all time in your port just buy VOO you will be richest in retirement home
No. There's a difference between a financial advisor and portfolio manager. And after a certain amount of money, even just a portfolio manager might not be a bad idea. As long as they are a fiduciary, and you are comfortable with them, no it's worth it to many people. If you don't have a ton of money, sure, just download Robinhood and park it in VOO or something similar. But if you have a good amount and want someone who will help you and work with you, it's not the worst thing in the world.
You’re not betting against institutions. You’re betting against your boomer parents. Institutions simply get the best price they can’t for your parents when pay check rolls around and they deposit their 1k for the month. If parents go cash gang, they are team bear. If they don’t, they are team bull. Ask yourself… are your parents going cash gang? Probably not. They’ve been told to hold through ups and downs. Time in market. And that’s why VOO (and chill) always wins.
Depends on: job stability, access to liquidity via many different methods, how many moving parts you have in your finances, etc. There are also middle grounds here… there are lower beta growth engines, that while they still could drop in a downturn, likely much less so than growth equities. Things like DIVO, JEPI, CLOZ, JAAA, SGOV. Also, SGOV is a great place to hold an e fund, which would sit in your brokerage, thus in a way feels like investing, not in a risk sense but in the sense that it sits with your growth holdings. Not sure how much constitutes an e fund for you, but why not do a tiered strategy? Let’s say $30k is 6 months expenses for you: Tier 1: first $10k goes to SGOV Tier 2: second $10k goes to SCHD/divo/cloz/jaaa Tier 3: 3rd $10k goes into VOO Now that you have your first $30k… you can afford to get a increasingly more aggressive with subsequent 10Ks, as your total pot is bigger
all the retards who downvoted this are down fucking 35% and pretending they all bought VOO and are chillin. Lying mfers.
Yes, 3k. I would invest both dividends and I would take a small portion of your paycheck every week to start investing alongside starting chunk. Both divs and new investments in VOO or VT until about 90% of your total value is in the ETF
I think at an $1100 value, I would probably let it sit where it is. I would take any dividends and place them in VOO or VT as others have suggested. If it were 110,000 and represented a major chunk of my net worth, I would sell and place into one of those funds.
Please be aware that if you do sell to reinvest in VOO or something else others have suggested, this will be considered a taxable event. I have no idea how long she held these shares so the gain could be somewhat significant. Just something to be mindful of
Pretty sure getting bought at 31 a share is better than selling now. Doubtful there's reason for it to go higher than that but someone please correct me if I'm wrong. Anyway, that whole account is worth less than 1000$, not a lot of money. If I were you I wouldn't touch anything to save myself the hassle of filing taxes. What you SHOULD be doing at the age of 21 is invest 10%-15% (or however much you can comfortably afford) of your monthly income into an ETF, either VWCE or VOO. Wish I started this early when I was your age.
If this were me… not any kind of professional advice but just as a neighbor / stranger / father, I would just suggest selling it all, buying VOO and turn in DRIP. And forget it Neither companies I have a love for, personally.
Don’t forget to buy tampons on the way home from filling up VOO
“I knew putting my money in VOO and chilling was the move, look at chip stocks” Blinks: chip stocks up 700%
https://preview.redd.it/fgkzyqacygph1.png?width=1140&format=png&auto=webp&s=a3055869e74fb316baf2a0b7a464c73c0c3685cb you could literally just google "futures down?" and it would probably have told you \^ if you have no interest in even looking at the headlines, im not sure stocks are for you. those that didnt know it was the al-mandab straight being closed should only have VGT and VOO in their accounts.
Haha there's a place in between VOO and 0dte options. 😆
Personally, I think you should ignore every piece of advice here and trust your own judgment. Having said that, since you asked for advice, I would first have at least $1k in an emergency savings account for safety but then focus on investing at about an 80/20 rate. If you are less certain about job security during a downturn then up the savings rate, but to your point, at your age, the more money you can invest now, the better off you are long term. As for what to invest in, typically low cost index funds are the better option. You’ll get 10,000 suggestions about the what and how. Typically you want to have some level of allocations in: S&P 500 - Safest Nasdaq - More aggressive Small caps - More volatile. Can lag but then goes crazy International - For growth elsewhere. What percentage you put where is based on your comfortable levels with risk and market swings. For growth, I keep it simple: VOO - S&P 500 - 30% QQQM - Nasdaq - 20% (lot of tech in VOO) AVUV - 25% small caps (funds is filtered for quality) AVNM - 25% international (same filter logic) People obsess about all of this. Pick reasonable funds. Expect them to lose 30-70% at some point. Buy on a regular basis. Start with a Roth IRA for retirement. If investing in a regular brokerage account, be aware of tax impacts from sales and dividends. Good luck.
You should consider taking 400k of that and put it into VOO. It'd turn into about a million in 7-10 years. Way less risk. Still would have 63k for more risky investments.
You do realize that VOO is market cap weighted, so it's holding of NVDA has grown over time. In other words, the market consensus on NVDA is already "priced in." At that point, you are better off buying some other individual stock that you think the market has not priced in for some reason.
Don’t sell what you already have to buy something else, otherwise you’ll be taxed on capital gains. QQQ is solid, but has a high concentration in tech so has a bit more risk. I personally would start putting future contributions into an etf that tracks the whole US market like VTI and put a small percentage into an international etf like VXUS. VOO is another good option that tracks the S&P 500 but it overlaps heavily with VTI, so pick one or the other.
If NVDA hit 70$ I would sell 1/4 of my VOO and put it all in
5% is VOO, rest in stocks or waiting for the stocks to be bought
Every time I try to stock pick and beat VOO, I end up underperforming by like 15%. I think I just need to swallow my pride, accept that I’m not Warren Buffett, and let the S&P 500 do the heavy lifting while I enjoy my weekends.
I prefer VOO + SCHG + VXUS for my core.
tomorrow is when my port goes even redder. Maybe it’s time to VOO and chill as this is exhaustingly fuked bigly
If it was me, I'd put $1m into VOO, $500k into VGT (yes I know the overlap) and $300k broken up into my favorite individual stocks (RKLB, NBIS, MRVL).
2nd VOO if you want a simple, no stress investment that will grow over the years.
How old are you? Once you have a certain amount of money, you basically just need it to be safe for 5-10 years and that amount will grow to be enough to retire off of even in a safe account. What is your risk tolerance? Do you think there is an AI bubble right now? **SCHD** \- this is the common defensive etf option. Sacrifice some growth but if AI crashes, this will do better than **VOO/QQQM**. Good to have a percentage in this ETF depending on your fear level/need for a safety net. 950K after 10 years I think has you getting paid around 52K a year without needing to sell. I wouldn't recommend dumping it all in there though. I personally am avoiding this until retirement then i'll probably consider putting a decent chunk of my roth into it. Take a look at **SPMO**. I use it instead of **VOO**. It seems to recover just as good as **VOO** and outperforms it. A small percentage in international ETF's would be a good idea. People default to **VXUS** but **AVNM** or **DFAX** are worth researching. US and international take turns outperforming each other. **QQQM** and **VOO** have a lot of overlap. Technically it doesn't hurt to have both. They are just doing similar things. Voo performs a bit worse I think but has a larger safety net. But for both funds, at this point they are heavily weighted in tech. Goes back to the risk conversation.
Disagree completely. Individual stocks, sure. Cut losses to pick winners. But if you have a core holding like VOO or something and it hits a -20% downturn, to me that is a signal to buy more.
Swing trading con $100k suena tentador pero la matemática rara vez funciona a favor de uno mismo — necesitás acertar consistentemente en timing, algo que ni los fondos profesionales logran la mayoría de los años. Yo lo dividiría: una porción grande (70-80%) a un index fund total-market tipo VTI o VOO y me olvido por años, y si de verdad querés la adrenalina del trading activo, separá un 10-15% como "dinero de jugar" que podés perder sin que te arruine el plan de fondo. Así no apostás el total a que le vas a ganar al mercado.
As you’ve seen from the other snarky comments, ‘professionally managed’ means that you will most likely loose in a crash like everyone else, plus pay a 1-1.5% of assets annual fee on top of your loss. Best to place most of your portfolio into VOO, another balanced S&P 500 fund without AI accounting for 40% of the fund, some bond funds, and save paying those fees.
> but I'm not sure Morningstar allows you to compare multiple funds growth of 10,000. You can, if I'm understanding what you're wanting. * I look up VOO, and go to the chart tab * Data Type drop down above the chart, select Growth With Dividend, put 10,000 in the % Change input, and click outside of the dropdown for it to close * Now in the "Compare" input box above the chart I enter in SPY * I now see the chart showing the growth for both funds for whatever timeframe is available, and I can keep adding funds to the list
You risked 2M to make 200k whoop-dee doo, you would've made more money if you put it in VOO and forget. This is a true degen\^\^
You would have to sell VOO in a taxable account to put it in a roth.
I'd suggest: * 50% VOO * 20% SPMO * 10% AVUV * 20% AVNM
At the very least 100% SGOV, but some portion in index funds really makes sense. SGOV is basically a HYSA without state taxes. VT or VOO, at even 25%, would be safe, as in never go to 0, and would demonstrate what stocks return compared to a HYSA. A good HYSA does 4%, at best. VOO is up 11% this year so far and 16% on the 1 year. That’s 4 times the return for a low risk index fund. Baby boomers and GenX know this trick and how to make generational wealth from index funds.
The one thing missing from this equation is age of the people involved. If you've got 20 years to go. VOO and forget about it. If you're 5 years away from retirement, that's a different kettle of fish altogether.
You can buy SGOV. Or you can buy individual bonds— more than 5% interest. Or VOO. It depends on your risk/ reward appetite.
I would look at VXUS for international. Even if you kept VOO and QQQM, VXUS would be good to mix in if the U.S. market goes down. It should help with diversity. I know VOO and QQQM have a ton of overlap, so you will get a lot of questions on why both, but I also know that QQQM is a more aggressive risky version of VOO with adjustments coming only once a year, but I like to hold onto it as well
A 70/30 VOO/QQQM split is still a fairly large bet on the same mega-cap growth names, so I wouldn’t call it much more stable. For a 20-25 year horizon, I’d keep the core broad with VTI or VOO and only add QQQM if you knowingly want that extra concentration. Separate sub-accounts won’t change the combined risk or return, tbh.
I would put so much in QQQM or riskier sector specific ETFs. I remember when the Nasdaq 100 index fell from 4705 in March 2000 to 805 in Oct 2002. It took until 2011 to recover the losses. Anyhow, large cap growth has seen good times lately. But if we have another 2000, you’ll be able to sleep if you own things like VOO and VTI. That’s the direction I’d personally go.
I've dabbled in this plan for about 15 years. Started with Dr. Pepper and made some decent money. Amazon, google, Netflix, and walmart have all done great. Put a bunch into eli lilly the past few years as well. I've also put some money into losers. When I reviewed my performance around 10 years I was pretty proud to say I pretty much broke even with just tossing it in an index fund that tracks the S&P 500. So that's good. And bad. Since then I've reallocated the majority of my money into VOO. I've still got chunks in my favorite performers and will continue to do so but I've rid myself of all the losers.
Eyeballing this says you've had this account for maybe 2 years judging by how thin 1 month is? If you had dumped everything into VOO 2 years ago, you'd be up about 40%. By trying to outperform the market, you've underperformed it. I really hope you learn your lesson.
I have a 4-pronged approach to investing: “own the market”, momentum, growth, tech. VOO is “own the market”; QQQM is growth (not pure like SCHG). You may want to consider momentum and tech. Here’s a good starting point: 30% VOO / 30% SPMO / 25% QQQM or SCHG / 15% VGT
Personally, I would lump sum $120 into VOO, and keep the other $20 in a HYSA. You could go 100/40 if you’re more cautious and want more liquidity. Definitely don’t just sit on the cash though.
I’d look for the equivalent of VOO VT or VTI available to you
Well if we don't get a dump next week I am going back to VOO and chill
QQQM is pretty tech heavy (just like VGT). With the tech over lap from VOO, you don't really need both. FYI, don't base investing decisions based on only AI.
You can just ignore my post. You know. Thats why i asked if necessary to do qqqm along with VOO. I know there's overlap. But qqqm could act as a growth engine.
Yeah, what? VOO - 500 of the largest US publicly traded companies VTI - ALL US publicly traded companies VTI, which contains more individual companies, is MORE concentrated than the one that is concentrated on the 500 largest companies? What a world.
I’ll be over leveraged to the tits on various stocks, but when I take profit, I’m too afraid to reallocate into an index fund, like VOO, etc.
Check some ETFs like VT, VOO, etc.
Nervously waiting on BNTX 9/18 calls to hit Monday/Tuesday morning. Hopefully that’ll provide some cash so I can buy VOO after the rug pull and chill till after midterms.
look at SPY options as the gold standard. Then look at VOO for what to avoid. You will find your tolerance for liquidity somewhere in between. i typically look for millions in daily trade volume on shares, and 1000s+ near the ATM strikes. sometimes I break my rule for a position that I think fills a portfolio vacuum, but generally there are only about 200 tickers that are liquid enough to trade. makes selection more manageable.
Might be time to consider $VOO and chill my guy..
Cash or VOO for a vacation week?
on my roth ira, i’m in: VOO, SCHD, VTI, and QQQ on my on my individual: VOO, VFVA, QQQ, VXUS, VTI, SCHD
Should I keep 5k in my bank and invest the rest in VOO and VXUS?
What? No, it’s 40%. You measure it based on your initial investment. I start with $2 million. It’s invested in VOO, so after a year, it’s increased by 20% (for purposes of this example). Now my VOO stock is worth $2.4 million. During that year, I also sold put options for premiums of $400,000. Over the year, I spent $400,000 and my investment increased in value by $400,000. That’s $800,000 earned over the course of a year on an investment of $2,000,000. 40%.
Took a few options positions this morning and had tightness in my chest all day after that. Just took a home blood pressure test and I'm 150/93. Internet says that's bad. I was like 120/80 a year ago. I am 34 and have like 5% bodyfat, "swimmers body" I've been told. I just need yall to tell me to port VOO and quit, I fucking suck at this anyway.
I don't usually follow technicals too much, but looks like VOO just lost the support trendline going back to the March 2026 lows.
Give me VOO, I love VOO 🤌
I'm in the same boat and mindset. Retired, 401K rolled to Vanguard IRA - do I just jump in an invest it all in VOO or do I keep it all in a HYSA and pounce when the perceived correction occurs? Also have a lot of cash, but put that in eTrade getting 4.0%, and will be able to jump in. I don't know if anyone else has seen these "Structured Capital Strategies" from Equitable, but they offer downside protection 10%-20% in return for rate caps. I have one that gives me 10% downside protection if there is a correction (they eat it), but max I can get is 12% return (based on S&P 500 index). First year ended July 31st, got the full 12%. Had I just done directly in a S&P 500 index (like VOO), sure I would have probably gotten 18%+, but I like that market correction protection. Downside of course, you better not need that principal for 6 years (it is an annuity).
Your math is wrong though: While the value of your VOO is now only 56k, you still have your 30k somewhere else, probably earning money, but at a minimum you actually have 86k, not 56k. 86k vs 98k is a significant difference of course, but it's very different from the math you've presented, especially if you consider that every year you keep money in a conservative account, it's losing relative value. The bigger point is, haven't we established that there's no way for a person to know if the market has hit the bottom, and on what timeline it might recover? How do you know if you're in a 'down' market? You don't. It could always fall further. Similarly, how do you know if you're in an 'up' market, since it could always rise further?
It took more than 7 years for the Nasdaq to recover. Also past perofmance doesn't guarnatee future results. If you have $100,000 of VOO and the market drops -30% you now have $70k. Lets say that you have an issue and your house needs a $30,000 repair. Well you sell your VOO and now you have $40k. Then lets say the market recovers over 2 years, it is up 40%. Well, if you had not touched your VOO you would have $98k so almost back to $100k. But because you sold your VOO you now only have $56k. Meaning that $30,000 emergency really cost you $42,000.
Yeah but what’s worse: losing value on the downturn, or losing value by not letting that cash grow in something like VOO? You’re losing value either way.
Are we winning yet? Love to see notifications that VOO hit a monthly low.
VOO 1month low :clifford:
I should of listened to those old heads that told me to VOO and chill. wow
This is buying and holding. Your plan is to get the $1m fully invested in VOO by selling puts for additional income and then buying and holding the VOO shares long term. I would never tell someone to do something they don’t understand though. Thats just personally what I would do. If you don’t understand what I’m saying ask any AI to explain my comments and they’ll give you a full analysis
tbjs us the only correct answer dont buy any stock. just VOO dont see gains from voo and get greedy and buy a sure winner then lose money source..i got greedy
I would sell cash secured puts on VOO to generate monthly income and if they get assigned use the money to buy and hold VOO for the long term. Probably about 10% of the cash every month
You'd have a higher YTD if you just bought SPY or VOO shares
If you work full time at Walmart making $15 an hour and just do the 6% 401k match you're investing $1872 out of your paycheck, saving $187.20 on taxes immediately (just from federal), and putting $3744 to work per year. Assume a 10% ROI, 40 years from now JUST FROM THE FIRST YEAR of contributions you've turned essentially $1684.80 into $169,451. Assuming 3% average yearly inflation that's $50,109 in today's money. Im 22 years old and I've worked for Walmart for 5 years and I have around $101,000 invested from the 401k match, WMT stock match, and IRA+HSA since I was 18 and I barely put anything in for two of those years. Calculated my ROI and it's over 60% just doing a split of VOO and VXUS and it's equivalents
they're in the EPS of your VOO
It ain’t gunna last forever, take 350k of the 409k and put it into index funds like VOO, have fun with the rest. TRUSTT ME
Can even do it on 2MM - VOO and chill
AAPL used to be a high growth company, but then had 3 years of essentialy flat revenue. They're back on track for mid to high teens top line growth, but for my tastes they don't quite fit the profile of consistent growth anymore compared to other megacaps such as GOOGL MSFT AMZN NVDA where top line is literally running up each and every year with lots of pre-contracted recurring revenue. I have a smaller position in AAPL after liquidating some recently (when it ran to $330). I have enough exposure from VOO/QQQM that I'm okay holding less shares. I could see a scenario where they maintain a "popular consumer name" premium such as COST and WMT. But I pick my individual stocks for valuation based on financial performance that outclasses SP500 average and thus should have higher return.
This ain’t helping chief. You’re down .60% on your account. So the 100k was a yolo gamble that got you back to break even. Just VOO and chill bro.
I made more than you just sitting on my ass in VOO.
most ppl cant trade for shit so VOO and chill is the best they've got
Why do people always say "VOO and chill"? Long term investing ain't gonna do shit for you unless you already have a ton of money you're able to throw in. Sitting on $1k for 20 years ain't gonna magically turn you into a millionaire by the time you retire. 0dtes forever
My process on a big win is to pause, move profits into VOO, QQQM, and VXUS. I personally need a break from the high of winning a bet to make clearer decisions. When I’m ready or targeting a trade again, I sell calls on some of those to get some trading money back. But never more than 20% of my total portfolio. That’s my “process” it’s allowed me to stay in this fucky ass game for over a decade.
You want a longer response? 40% yearly target is just as out of touch as 80%. You also didn't stick to any process, you just fumbled the ball and got lucky that it was all on a winning horse. You could not intentionally recreate this even if you wanted to. VOO and chill, trim some of the winnings and play again. If you lose it's only a small amount of the whole. If you win you get outsized returns for not much risk. The secret third option, and the one most likely, is to convince yourself your system worked and you can keep repeating this. This never ends well.
You might want to try $VOO
>I just can't bring myself to follow the traditional investing advice of throwing a large portion of surplus income into the S&P 500 who told you that's traditional investing advice? a professional in the finance industry would recommend a far more diversified portfolio with international stocks, bonds, perhaps real assets like gold, REITs, commodities/resources stocks, etc. VOO and chill is zoomer advice from redditors, not serious finance or investing. living in multiple Latin American nations but worried about the viability of the US dollar is a bit ironic or humorous given the region's history of unstable currencies. the US dollar is used as official currency in El Salvador, Ecuador and Panama and is semi-legal or widely used in Venezuela, Nicaragua, Peru, Bolivia and several others.
Legit advice: if you're this scared, sell it all and only DCA into broad ETFs like VOO or VTI
Invest everything as you would otherwise. VOO in Roth IRA? VOO in taxable brokerage until you can move it to Roth IRA. Don't be afraid of taxes: you only have taxes if you have profit.
VOO and chill. Look at the YTD, 1 year, and 5 year returns on it. Since you don’t have any upcoming expected purchases, this is best
Equal-weight SP500 ETF $RSP is barely outperforming $VOO YTD, but $VOO still has lower fees.
RSP has a slightly higher price volatility than VOO. However VOO has a lot more single-stock risk, because more of the investment is in a few companies. 47% of VOO is tech companies for example! Ultimately the reason I own some index funds is because I want to diversify away from having too much exposure to a single company. That's why RSP makes more sense to me than VOO/SPY.
Honestly though, can you use an HSA for the nursing home? I’m assuming this dude is reasonably young so even if he plops it in VOO from here he’s looking at what? 10 million bucks? Even adjusting for inflation it’s probably $5M 2026 dollars by 2056. Ah who am I shitting he’ll lose it all by Christmas.