u/AnnaSmiled2

I am 9 years from retirement. Trying to figure out if I should pay off the mortgage ($360k) or invest the money. Sources show I should invest it. $200k to something like bonds and that should be my safe investment and the money to pay off the mortgage should be there in nine years. I’d need $285k. And take $160k and put it into VOO or something like that. The calculation shows I should have an extra 150 K compared to if I would pay off the mortgage now and invest $1500 payment.

My question to those that have done the investment route was the risk / stress worth it?

Edit

Interest rate is 4.5% on $260k. There is $100k balloon that is payable when the interest bearing part of the loan is paid. And yes that’s true and written into the mortgage. Don’t ask me - I don’t know why they gifted me. It happened during the mortgage crisis and I was losing my house. This is the refinancing they did.

The Tradr 2X Short SNDK Daily ETF (SNDQ) is implementing a 1-for-10 reverse stock split. [1]
Effective Date: The reverse split goes into effect before the market opens on July 21, 2026.

Conversion: Every 10 pre-split shares will be consolidated into 1 post-split share.

Impact: Your total share count will decrease, but the price per share will proportionately increase by a factor of 10, meaning the total value of your investment will remain unchanged

Those of you in SNXX - do you close your position before close each day?

I just threw some money on it yesterday and was thinking about it this morning that maybe I should sell each day to keep the profit. It’s in a ROTH IRA.

I opened a Roth yesterday. I have a brokerage account and I was able to transfer money. I want to add funds to it from my bank account but when i pick my bank, that Roth is not an option. My brokerage account is. Why?

Update figured it out. Thanks for the info everyone

lol oh after market - I wish I had access with Fidelity.

Hopefully we will see green tomorrow.

Does your account allow after market trading?

We had a hellva run today. I keep looking at my 401k and wondering if I should go all in lol

I have not seen what ETF will be impacted until I find this article. Looks like the majority of set and forget ETF are going to have a slice of the action.

Is anyone planning to pivot away from their set and forget for one without spacex?

VOO (Vanguard S&P 500 ETF, $995B AUM): Would need to buy roughly $5B in SpaceX

IVV (iShares Core S&P 500 ETF, $853B AUM): Similar forced purchase

SPY (SPDR S&P 500 ETF Trust, $787B AUM): The most liquid S&P 500 ETF

SPYM (SPDR Portfolio S&P 500 ETF, $148B AUM)

QQQ (Invesco QQQ Trust, $492B AUM): The world’s most-traded tech ETF

QQQM (Invesco NASDAQ 100 ETF, $97B AUM): Lower-cost alternative for long-term investors

https://finance.yahoo.com/markets/stocks/articles/spacex-ipo-every-etf-hold-081006218.html

My knee was numb about 15 minutes after I fell and I still have no feeling on the outside. But inside it hurts. Sometimes when I walk and I cannot kneel at all. I can feel that there is something like tendon and if I push or move it - it hurts.

I have seen 2 ortho doctors. Imaging - ultrasound. I can’t have MRI but they did something similar to an MRI - the old way they used to do it. They say no fractures. I have arthritis and they are certain that’s what it is. Yeah no it’s not. I had arthritis before I fell. I know what that feels like.

Anyone have this happen? Suggestions on what to do? I live close to a Mayo Clinic and I have seriously consider going and seeing them.

Western Digital Enters Equity-for-Equity Exchange Agreements
MT Newswires
10:03 AM EDT, 05/06/2026 (MT Newswires) -- Western Digital (WDC.NaE) said Wednesday it has signed exchange agreements with institutional investors under which it will receive nearly 1.9 million shares of its own stock in exchange for 653,203 shares of Sandisk (SNDK.NaE) .
The exchanges are expected to settle on Thursday, Western Digital (WDC.NaE) said.
Western Digital (WDC.NaE) said that upon settlement, it will continue to own about 1.04 million shares of Sandisk (SNDK.NaE), which it intends to dispose of in one or more exchanges for Western Digital (WDC.NaE) debt held by creditors and/or in exchange for outstanding shares of Western Digital (WDC.NaE) common stock and/or through distributions to shareholders as dividends.
Western Digital (WDC.NaE) shares were fractionally higher in early trading Wednesday, while Sandisk(SNDK.NaE) was down 0.5%.
Price: 467.20, Change: +1.94, Percent Change: +0.42

From yahoo finance

Palantir Technologies (PLTR) stock rose in after-hours trading after the company reported record Q1 revenue and profit that topped analyst estimates, driven by surging sales to commercial clients and the US government sector.
The company’s revenue jumped 85% in the first three months of this year to $1.63 billion, beating the consensus estimate of $1.53 billion, according to Bloomberg data. The majority of that revenue, or $1.28 billion, came from the US alone.

https://finance.yahoo.com/markets/article/palantir-q1-revenue-jumps-85-to-record-on-booming-us-business-141825102.html

I am 9 years from retirement. Paying off mortgage next month which means $2500 a month to invest. We are so behind in the investment due to life. I asked AI about dividends. Here is what it spit out. Is this along the line the way you did it? I want to contribute to a Roth IRA to the max for both of us and then a taxable account.

We will also have pension and Roth 401k.

You want:
👉 $2,000/month in dividends in 9 years = $24,000/year

📊 Step 1: How Big Your Portfolio Needs to Be
Dividend income depends on yield.
Typical yields:
SCHD → ~3.5%
JEPI → ~7–8%
O → ~5–6%
👉 A realistic blended yield: ~5%

💡 Portfolio needed:
To generate $24,000/year:
24,000 \div 0.05 = 480,000
👉 You need about $480K invested

📊 Step 2: Monthly Investment Needed (9 Years)
Now the real question: how to reach ~$480K
Assumptions:
Time: 9 years
Avg return: ~9% (mix of growth + dividends)

🔥 Monthly Investment Targets
🟢 If you invest $1,000/month:
Ending value ≈ $190K–$210K
Income ≈ $800–$1,000/month
❌ Not enough

🟡 $1,500/month:
Ending value ≈ $280K–$320K
Income ≈ $1,200–$1,400/month
⚠️ Close, but not there

🔥 $2,000/month:
Ending value ≈ $380K–$430K
Income ≈ $1,600–$1,900/month
👉 Very close

🚀 $2,300–$2,500/month:
Ending value ≈ $450K–$520K
Income ≈ $2,000+/month
✅ This hits your goal

🎯 The Real Answer
👉 To reliably hit $2,000/month in 9 years, you should aim for:
✅ ~$2,300/month invested

🧠 Strategy That Makes This Work
Years 1–5 (Growth Heavy)
VOO
GOOGL
NVDA
Some SCHD
👉 Build size fast

Years 6–9 (Income Shift)
Shift new money toward:
SCHD
JEPI
O
👉 Turn growth into income

⚠️** Honest Reality Chec**k
If $2,300/month feels high:
Here’s how to adjust:
$1,500/month → expect ~$1,200/month income
$1,000/month → expect ~$800/month income
👉 You can still win—you just scale expectations

🔑 Levers That Change Everything
You can hit $2K/month faster if you:
Increase monthly contributions over time
Reinvest all dividends
Avoid over-diversifying into small positions
Stay consistent during market dips