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PaperclipPerfector  23hr ago (text post)   1121 thread views

Friday Fun Thread for January 16, 2026

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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If "every dollar invested is another minute closer to leaving the rat race," every dollar spent day trading is another minute further from leaving the rat race.

"Picking low expense ETFs" and sticking with them, and which are hopefully well-diversified ETFs, is the way to go.

That's precisely why I'm sticking to ETFs for now.

It's still fun to do the research, back testing, monte Carlo simulations, and all that, even if I do end up just buying more VTI/VT, SGOV, and SCHD.

VTI/VT plus SGOV is a solid choice if you're looking for a less-than-100%-equity portfolio, but SCHD just means tilting further toward a subset of your VTI/VT allocation, which does not provide additional diversification.

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