The Road to a Thousand

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The Road to a Thousand

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03/21/2022

After a year and a half of research, I have decided to make the decision to start investing in walnut trees! ⠀
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I chose to go with for multiple reasons. Their customer service is fast to respond, it's a great way to earn passive income, and its great for the environment! ⠀
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As for the finance aspect, there are multiple different projections of your ROI, however, their "realistic" projection should yield roughly a 30% ROI ANUALLY for the life of each tree (after its 7 year maturation period), which is at least 40 years. ⠀
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Right now they are doing a special if you purchase 10 trees you get one free with the link below⬇️⬇️⠀
https://buff.ly/3ipo91w⠀
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12/25/2021

Hope you all have a Merry Christmas 🎁🎄

12/17/2021

Ahh the age old question, to pay down mortgage principal or invest the remaining cash? I just had to answer that question last night for the first time in my life, since our first mortgage payment was due. ⠀
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From a mathematical standpoint it makes sense to put the extra $200/mo towards a low cost index fund in our tax advantage account. Here's why:⠀
$200/mo x 25 years at an 8% return is $184,337.58 with only $60,000 of that being contributions!⠀
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Whereas if I pay $200/mo I will knock almost 5.5 years off my mortgage and save me about $35,329 in interest. That's a difference of $89,000 between the two. ⠀
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I ended up putting additional money towards the principal because I do like the thought of saving money on interest and paying off my house sooner, but after doing more number crunching, that might not be the play for our future payments.⠀
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12/10/2021

If this isn’t a wake up call for your money not being safe in a standard savings account, then I don’t know what is!

12/09/2021

All it takes is a dollar... click the link in my bio to see how!

11/16/2021

If my wife and I wanted to live the minimalist lifestyle, we can probably retire with around $800k invested. We would rather live comfortable though, and enjoy traveling, and whatever else it is that we want to do. What's your number? ⠀
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11/05/2021

Yesterday was the first day for the festive Starbucks cups, did you get yours?⠀
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I was curious to see if their Christmas cups brought in extra revenue. Just by quarterly net revenue, the results might be surprising. ⠀
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10/25/2021

Wow, has it been a crazy past few months! I had started this account to help others learn financial literacy along with mental and physical health. That is still my goal, because there is no other feeling like helping others, but I will have to do so at a slower rate than I had originally planned. ⠀
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I will be still be posting every week, but I also plan on resharing useful information from top influencers that I follow.⠀
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04/09/2021

Do you have a favorite exercising quote that will keep you on your path when you are feeling unmotivated? Usually I had a friend in high school that would tell me "pain is just weakness leaving the body". This has stuck with me ever since. ⠀
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04/05/2021

According to a 2017 journal article, subjects that listen to music while they exercise are found to work out harder (higher maximum heart rate) and longer. Of these 50 subjects, 25 male/25 female, the maximum heart rate while listening to music was a little over seven beats per minute higher than those without music. Likewise, the average exercise duration with music was sixteen minutes longer than with no music. In the conclusion, the testers claim that music may "exert an ergogenic and distractive effect during exercise," thus allowing us to push ourselves harder. Comment ⬇️⬇️⬇️ what you listen to while working out. ⠀
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Article link: https://buff.ly/2M2VWOB ⠀
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04/02/2021

On a lot of finance platforms you’ll hear people talking about “DRIP” when discussing long term investment strategies. This simply means the investor is automatically reinventing the dividend payout from a company to buy more shares of that same company. ⠀
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For example: Caterpillar (CAT) pays an average quarterly dividend of $1.03. This means that instead of me receiving that money as cash every quarter, my broker is automatically purchasing $1.03 worth of cat [$1.03/ $232.72(current share price)] which is about 0.44% of one share. ⠀
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Just remember that this investment strategy is your best friend when discussing multi decade investment strategies.⠀
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03/29/2021

According to Investopedia, dividends are “the distribution of some of a company's earnings to a class of its shareholders, as determined by the company's board of directors.” Dividends are the epitome of passive income. Dividend companies are paying you just to hold shares of their business! There are positives and negatives to this method of investing, though. ⠀
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Pros:⠀
- You are essentially receiving free money just for holding these stocks⠀
- Using the “DRIP” method, dividends reinvested, you have a self-perpetual, ever-growing portfolio⠀
- A dividend portfolio can generate a reliable income, so long as the portfolio is mainly with dividend aristocrats⠀
- Qualifying dividends can be taxed at a lower rate than the ordinary capital gain tax ⠀
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Cons:⠀
- Dividend yields don’t pay that much, with 5% being considered a large dividend ⠀
- In times of financial crisis, companies will sometimes cut dividends in order to keep the company afloat⠀
- A lot more homework is needed in order to have good asset allocation⠀
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With all this being said, investing is a calculated risk no matter how “safe” it may seem. Since I am a dividend investor, I will post the amount earned from dividends each month, so that you can follow along. Since the passive income is going to eventually replace our earned income, I will solely focus on the dividend income, rather than how much is in that portfolio. ⠀
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Address

Seattle, WA

Website

https://linktr.ee/Colby_E

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