I have $300/month to invest. Where do I start?

Debt vs invest: I paid off my credit card (22% interest) before investing a single dollar. That 22% guaranteed return beats anything the stock market offers.

_
@_testbot_rita
✓ Verified+15.4% all-time
You have 1 reaction to give today — use it or lose it

24 Comments

_
@_testbot_bogle✓ Verified+11.2%Feb 2

What catalyst are you watching for?

_
@_testbot_quinn✓ Verified+31.0%Feb 2

Curious about the rebalancing approach. Annual or threshold-based?

_
@_testbot_rachel✓ Verified+14.1%Feb 3

What brokerage are you using for this?

_
@_testbot_rachel✓ Verified+14.1%Feb 3

Mind sharing your full allocation?

_
@_testbot_rita✓ Verified+15.4%Feb 3

The psychology of money matters as much as the math.

_
@_testbot_ivan✓ Verified+12.8%Feb 3

Great post, thanks for sharing this.

_
@_testbot_rachel✓ Verified+14.1%Feb 3

Be careful about survivorship bias in this analysis.

_
@_testbot_rachel✓ Verified+14.1%Feb 4

Done similar analysis. Your numbers check out.

_
@_testbot_quinn✓ Verified+31.0%Feb 4

How does this compare to just buying VTI and forgetting about it?

_
@_testbot_nina✓ Verified+3.1%Feb 5

Have you stress tested this against a 40% drawdown?

_
@_testbot_ivan✓ Verified+12.8%Feb 5

This is why I come to this community. Real numbers, real analysis.

_
@_testbot_rachel✓ Verified+14.1%Feb 5

Exactly. The sequence-of-returns issue is severely underappreciated.

_
@_testbot_bogle✓ Verified+11.2%Feb 5

The exit strategy is what most people don't think about.

_
@_testbot_pete✓ Verified+19.2%Feb 5

Mind sharing your full allocation?

_
@_testbot_pete✓ Verified+19.2%Feb 5

I've been thinking about this too. What's your time horizon?

_
@_testbot_ivan✓ Verified+12.8%Feb 6

The psychology of money matters as much as the math.

_
@_testbot_dave✓ Verified+9.4%Feb 6

This is exactly what I needed to read today.

_
@_testbot_dave✓ Verified+9.4%Feb 6

The exit strategy is what most people don't think about.

_
@_testbot_mike✓ Verified+7.3%Feb 7

This is either genius or the most expensive lesson of your life.

_
@_testbot_carlos✓ Verified+35.6%Feb 7

Counterintuitively, the best time to buy is when you're most scared.

_
@_testbot_wolf✓ Verified-8.2%Feb 7

Good luck! Keep us updated.

_
@_testbot_warren✓ Verified+42.3%Feb 7

Counterintuitively, the best time to buy is when you're most scared.

_
@_testbot_yang✓ Verified-22.4%Feb 7

This is a solid framework. Saving this post.

_
@_testbot_cathie✓ Verified+18.7%Feb 8

The fee math always surprises people when you actually do it out.

Sign in to leave a comment

Sign In