u/Kalashooter888

Craving for one, any updates on imports?

I am extremely blessed but there are things I wish I did to optimize my ROI and net worth. My parents give me the money for college to start investing after the tuition got taken care of by the Army (ROTC transferred to USMA) Honestly it's a shame I only got a little over 50% ROI in the past years of bull market; but at least I didn't blow all that in some stupid shit, yet lol.

1: Military is a cheat code for a good financial foundation, regardless of your social class. We talking about GI Bill; VA home loan; TSP; Tri-Care, SGLI, TA, ROTC to go to Ivy League or USMA…

2: Dont be scared to use leverage. Perhaps my biggest regret was not using my VA Home loan to buy property 2020 when I was in the guard and interest rate/ property value was low. I was 20 yrs old, afraid of uncertainty, unknown and risk. In hindsight, I could've learned related info via youtube and talking to ppl…

3: Actively search for new investment ideas/ concepts/ methods. I always been slow regards to learn new things. I wish I learned option trading (LEAPS, CC, BP, etc) sooner to optimize my ability to take advantage when the market panics ( Mar 2020, 2022, Apr 2025, Mar 2026). Those opportunities would easily put me in the 7 figure net worth category.

4: ETFs. I did have a financial advisor; but honestly their service is not that useful for the 1% they charge, start with C fund of use ETFs such as IWY, VOO, or QQQ while learning more active investment concepts/ experience.

5: Take advantage of the fragment time blocks during the day to learn. This will give you the edge over your peers for the next chapter of your life. I was able to get over 140 hrs of studying in option concepts from the last mission I went on in the 50ish days.

6: Cash is not trash in the short term. When interest rate rises, valuation of equities fall; and that's the time you wish you have cash to scoop. If not, I would sell equip to buy deep in the money LEAPS to double down (not financial advice)

Please let me know if you also served and have any advice on how to convince soldiers to invest more in their Roth TSPs and themselves. Been trying to tell my soldiers to enroll but they just yes sir their way out of it…