u/Kifla27

Was out on the St. Johns River today, everything running fine the whole ride. Right near the end, check engine light comes on with a high engine temp warning, ski goes into limp mode (5-6 mph max), and I notice it’s smoking. Managed to limp it back and get it on the trailer, took a couple tries to restart once I’d docked it. Got it home and checked the coolant reservoir, it’s completely empty. Honestly never checked or topped it off since I bought it, so that’s on me. Haven’t pulled the oil or plugs yet, that’s my plan for tomorrow morning before I add any coolant, just want to rule out any damage from running it dry. The only code/message I got was the high temp warning, nothing more specific, and the check engine light is still on now that it’s sitting. Has anyone dealt with something like this before? Appreciate any input, first time dealing with this.

Hey chat just turned 22 this month. I know you’re supposed to save 6 months of emergency fund in a HYSA and invest the rest but what should I do at my age? I’m 22. I still need to save for a new car, my first house. I’m not 30/40 where I know exactly how much I can live on a month. My expenses are low and I need to set money aside for these things. So should I invest after a 6month emergency fund and invest the rest? Or mainly save up in my HYSA to the 100K I want and do what I do now where I max my Roth and put 10% every check into my individual? Very confused on the emergency fund at my age, thanks in advance if you see this!

Hey guys, trying to get texting set up on my Twilio account for a small business I’m running but I don’t have an LLC or EIN yet, just operating under my own name for now.

I saw there’s a Sole Proprietor option for A2P 10DLC registration but I want to make sure I’m doing this right before I mess something up. Has anyone here actually gone through this process recently? A few questions if anyone’s dealt with this.

Do you go through the same Create A2P Brand flow as everyone else or is there a separate page for it? I ended up in a form asking for an EIN and business registration number which doesn’t seem right for sole prop.

How long did approval actually take for you, on both the brand and the campaign side?

Anyone run into issues with the OTP verification step or with getting the campaign approved on the first try?

Trying to avoid wasting time going down the wrong path again so any tips from people who’ve actually done this would help a lot. Thanks in advance.

Hey everyone, I’m 21 years old and trying to keep my investing as simple as possible while still growing wealth long term. Here is my current setup.

I max out my Roth IRA every year and that account is only VOO and QQQM, no individual stocks at all. I also put 10% of every paycheck into a separate individual brokerage account. In that account I hold VOO and QQQM as well, but I keep about 7% of that portfolio in HOOD since it is the only individual stock I want to own. Everything else stays in the two index funds.

I know the argument that the Roth should have a different allocation since it has more time to grow and I do not touch it for decades, while the individual account might need a different risk profile since I could use that money sooner. But honestly I want to keep things simple and just run the same VOO and QQQM split across both accounts instead of managing two different strategies.

For those of you who run something similar, what split between VOO and QQQM do you think works best for someone in their early twenties who is fine with higher risk and is DCAing every paycheck? I have seen people lean anywhere from 50/50 to something more tilted toward QQQM for growth, and I am trying to land on one number I can stick with for years without constantly second guessing it.

Would love to hear how other young investors think about balancing simplicity with growth, especially if you have a similar two fund approach.