[{"data":1,"prerenderedAt":342},["ShallowReactive",2],{"content:investing":3},{"id":4,"title":5,"body":6,"date":332,"description":333,"extension":334,"meta":335,"navigation":336,"path":337,"seo":338,"stem":339,"year":340,"__hash__":341},"content\u002Finvesting.md"," My Personal Investment Strategy",{"type":7,"value":8,"toc":311},"minimark",[9,14,21,24,44,47,51,61,66,69,73,80,84,89,105,110,129,134,157,159,163,170,174,181,185,196,200,206,208,212,218,222,225,229,236,238,242,245,250,262,267,279,284,299,301],[10,11,13],"h2",{"id":12},"my-personal-investment-strategy","My Personal Investment Strategy",[15,16,17],"p",{},[18,19,20],"em",{},"Disclaimer: This is not investment advice—just what works for me. Please do your own research before making any financial decisions.",[15,22,23],{},"My strategy has three main pillars:",[25,26,27,34,39],"ol",{},[28,29,30],"li",{},[31,32,33],"strong",{},"S&P 500",[28,35,36],{},[31,37,38],{},"S&Me 500",[28,40,41],{},[31,42,43],{},"Taking Risks",[45,46],"hr",{},[10,48,50],{"id":49},"pillar-1-the-sp-500","Pillar 1: The S&P 500",[15,52,53,54,57,58,60],{},"The ",[31,55,56],{},"only"," thing I currently invest in actively is the ",[31,59,33],{},".",[62,63,65],"h3",{"id":64},"what-is-the-sp-500","What Is the S&P 500?",[15,67,68],{},"It’s an index fund that tracks the top 500 companies in the United States. Every time I put money into the fund, that money is spread across all those companies according to specific percentages set by the fund.",[62,70,72],{"id":71},"why-i-invest-in-the-sp-500","Why I Invest in the S&P 500",[15,74,75,76,79],{},"Historically, the S&P 500 has returned around ",[31,77,78],{},"10% per year"," since 1957. That’s much higher than most savings or high-yield savings accounts, which usually max out at around 4%.",[62,81,83],{"id":82},"how-i-invest-in-the-sp-500","How I Invest in the S&P 500",[15,85,86],{},[31,87,88],{},"401(k)",[90,91,92,98],"ul",{},[28,93,94,95,60],{},"I allocate 65% of each paycheck until I reach ",[31,96,97],{},"$20,000",[28,99,100,101,104],{},"My employer matches 50% of my contributions. By the end of the year, I’ve put ",[31,102,103],{},"$30,000"," total into the S&P 500 through this account (the federal contribution cap).",[15,106,107],{},[31,108,109],{},"HSA (Health Savings Account)",[90,111,112,119,126],{},[28,113,114,115,118],{},"I contribute ",[31,116,117],{},"$4,150"," per year. (Families can contribute double.)",[28,120,121,122,125],{},"This account is ",[18,123,124],{},"triple tax advantaged",": gains aren’t taxed, contributions aren’t taxed, and withdrawals aren’t taxed (when used for eligible medical expenses).",[28,127,128],{},"I invest all of it in the S&P 500.",[15,130,131],{},[31,132,133],{},"Mega Backdoor Roth IRA",[90,135,136,143],{},[28,137,138,139,142],{},"The Roth IRA is powerful because ",[18,140,141],{},"all gains are tax-free",". Normally, there’s a $6,000 annual limit, plus income limits can prevent direct contributions.",[28,144,145,146,153,154,156],{},"Using the ",[147,148,152],"a",{"href":149,"rel":150},"https:\u002F\u002Fwww.fidelity.com\u002Flearning-center\u002Fpersonal-finance\u002Fmega-backdoor-roth",[151],"nofollow","Mega Backdoor"," method, I can contribute up to ",[31,155,103],{}," into the S&P 500 for tax-free gains.",[45,158],{},[10,160,162],{"id":161},"pillar-2-the-sme-500","Pillar 2: The S&Me 500",[15,164,165,166,169],{},"I believe investing in ",[31,167,168],{},"yourself"," is even more important than investing in the market.",[62,171,173],{"id":172},"what-is-the-sme-500","What Is the “S&Me 500”?",[15,175,176,177,180],{},"It’s not a real index fund—it’s a playful twist on the S&P 500.",[178,179],"br",{},"\nInstead of putting money into the market, you invest in your own skills and knowledge (e.g., school, courses, books, equipment, fitness, and more).",[62,182,184],{"id":183},"my-own-example","My Own Example",[15,186,187,188,191,192,195],{},"Right after high school, I worked at Best Buy, making ",[31,189,190],{},"$45k\u002Fyear",". Instead of investing that money in the market, I paid for community college and then university expenses for a Computer Science degree. Those qualifications and internships helped me land a job that paid ",[31,193,194],{},"4x"," my previous salary.",[62,197,199],{"id":198},"when-do-you-stop-investing-in-yourself","When Do You Stop Investing in Yourself?",[15,201,202,205],{},[31,203,204],{},"Never."," Life is a continuous learning process, and it’s far more exciting to keep growing than to settle.",[45,207],{},[10,209,211],{"id":210},"pillar-3-taking-risks","Pillar 3: Taking Risks",[15,213,214,215,60],{},"I’m generally risk-averse, which is why Pillars 1 and 2 focus on stable, long-term growth. However, I also believe in ",[31,216,217],{},"calculated, high-upside decisions",[62,219,221],{"id":220},"why-take-risks","Why Take Risks?",[15,223,224],{},"Many highly successful people make a few high-risk moves—like starting a business or moving cities—that lead to massive growth. The “worst-case scenario” rarely happens, but the fear can hold us back.",[62,226,228],{"id":227},"my-take","My Take",[15,230,231,232,235],{},"By having a stable “trampoline” with the S&P 500 and the S&Me 500, I can aim for ",[31,233,234],{},"10x, 20x, or even 50x"," opportunities rather than settling for smaller 2x or 3x deals that distract from bigger goals.",[45,237],{},[10,239,241],{"id":240},"bonus-pillar-other-investments","Bonus Pillar: Other Investments",[15,243,244],{},"These don’t fall under my core pillars but are still part of my overall portfolio:",[15,246,247],{},[31,248,249],{},"Property",[90,251,252],{},[28,253,254,255,258,259,60],{},"I own my primary residence, which has about ",[31,256,257],{},"$60k in equity",". If I moved and rented it out, it could cash flow about ",[31,260,261],{},"$600\u002Fmonth",[15,263,264],{},[31,265,266],{},"Equity From Work",[90,268,269,272],{},[28,270,271],{},"Some high-paying jobs (especially in tech) offer part of your compensation in stock.",[28,273,274,275,278],{},"For example, you might get a salary plus ",[31,276,277],{},"$120k in stock"," over 4 years. If the stock doubles, you’ve turned $120k into $240k. Of course, it could also go the other way, so choose wisely.",[15,280,281],{},[31,282,283],{},"Crypto",[90,285,286,293,296],{},[28,287,288,289,292],{},"Less than ",[31,290,291],{},"1%"," of my total portfolio.",[28,294,295],{},"It’s extremely high risk, so I only invest what I’m willing to lose.",[28,297,298],{},"I bought some Bitcoin and Ethereum in high school (2017) and mostly track it for entertainment.",[45,300],{},[15,302,303,304,307,308,60],{},"Once again, this is ",[18,305,306],{},"not"," financial advice—just what works for me. If there’s one takeaway, it’s this: ",[31,309,310],{},"build a strong foundation, invest in yourself, and don’t be afraid to pursue high-upside risks",{"title":312,"searchDepth":313,"depth":313,"links":314},"",2,[315,316,322,327,331],{"id":12,"depth":313,"text":13},{"id":49,"depth":313,"text":50,"children":317},[318,320,321],{"id":64,"depth":319,"text":65},3,{"id":71,"depth":319,"text":72},{"id":82,"depth":319,"text":83},{"id":161,"depth":313,"text":162,"children":323},[324,325,326],{"id":172,"depth":319,"text":173},{"id":183,"depth":319,"text":184},{"id":198,"depth":319,"text":199},{"id":210,"depth":313,"text":211,"children":328},[329,330],{"id":220,"depth":319,"text":221},{"id":227,"depth":319,"text":228},{"id":240,"depth":313,"text":241},"Dec 27","How I invest my money","md",{},true,"\u002Finvesting",{"title":5,"description":333},"investing","2024","oBBwf2tiJ4jF22A3O90HMEiESxBYIZcBlBdEH1n40T4",1785649713745]