u/henrytbpovid

I have been using acorns consistently for a little over two years. I didn’t really start making significant deposits until a year ago.

The first week of 2025, I saw that my all time gains had reached $1,000. I was so thrilled. $1,000 that I gained just by leaving my money in the market.

Since then I’ve been a little more conservative with investing due to cash pressures. I even withdrew almost all of my “Now” account after I put too much down on a car. I’ve put more than $3k into my “Later” account this year

And now…suddenly…I checked just now and my all time gains are almost $2,000.

It took almost a year of heavy contributions to reach $1k in market gains. But then the second thousand showed up within 4 months even without a lot of new contributions on my part.

I still have about $4,000 left to contribute to my Later account this year. I’m really hopeful that the thousands in market gains will just keep on coming faster and faster. The first thousand took so long. The second thousand took 4 months. Maybe if I start contributing more, then the next thousand will show up in 3 months and then another thousand two months after that

The point is, the returns really accelerate. They say that the first $10k is the hardest and then after that you have a much easier time hitting $20k. I’m starting to really see that in my portfolio. Should definitely be able to hit $20k in my Later account by Christmas.

Just curious if anyone here retired early under a SEPP. How did you calculate your SEPP? Did you use the RMD method or something else? How old were you? Did you feel like you withdrew too much or not enough? Was your balance ok when the SEPP ended?

Just wondering

Wondering if anybody here is DISK: Dual Income, Six Kids

I upgraded for the Roth IRA match but financially it seems like it’s not gonna be worth it to pay for gold for four years just to keep a few hundred dollars vested

Many others have requested it on here. We want it. We need it. We would love it and never take it for granted.

The hard, unsexy work of increasing earnings and decreasing spending is usually only rewarded in these amazing moments when you’re looking at graphs lol. For a certain type of person at least, it’s really all about the graph. I’m that type of person. I stare at the graph and I tell myself “wow. I’m so much better than I was back in 2023”

We need the graph dear friends. Give us the net worth tracker. Empower does it and that’s supposed to be for retirement. We wanna see