Cade Invests
@cadeinvests
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Sharing my learnings and experiences to help you become a better investor. Writing Chump Change, an email to make you money, and make you laugh.
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Joined May 2018
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Pinned Tweet
The new Roth IRA max is $7,000
To max it out this year you have to invest.
$582 a month.
$134 a week.
$19 a day.
Make it happen.
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Choosing to drive a $30k car vs a $60k car
is a $400,000 decision.
Let me explain:
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The recipe to be a millionaire.
$262 a week in a S&P 500 fund.
At an 8.5% return.
For 25 years.
You’ll have $1,034,000.
It’s as simple as that.
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The new Roth IRA max is $6,500.
To max it out this year you have to invest.
$542 a month.
$125 a week.
$18 a day.
Make it happen.
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Another Sunday, another lunch prep complete.
$16.70 total. $4.18 per meal.
Healthy and affordable.
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Half the US can’t figure out how to get the NFL playoff game on Peacock
But Bitcoin and blockchain is going to replace cash?
😅😅😅
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Unpopular opinion
Spending $5 a day on coffee isn’t what makes most people broke.
It’s the $600 car payment, $300 credit card bill, and $2800 mortgage that does.
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Another successful lunch prep for the week.
$13.92 total for ingredients.
$3.48/meal.
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Rich people act broke to blend in.
Broke people act rich to stand out.
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Another successful lunch prep for the week.
$23.24 total.
$5.81/meal.
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The most underrated way to build wealth????
Get a job.
No one is talking about this.
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Monthly investment to become a millionaire at retirement.
20 - $95
25 - $184
30 - $340
40 - $1,052
50 - $3,155
The earlier you start, the better.
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The 11 stock market sectors every investor needs to know:
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Monthly investment to become a millionaire at retirement.
20 - $95
25 - $184
30 - $340
40 - $1,052
50 - $3,155
The earlier you start, the better.
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10 of my favorite stocks to hold for the next 10 years.
$V - Visa
$SQ - Square
$DIS - Disney
$AAPL - Apple
$GOOG - Google
$AMZN - Amazon
$MSFT - Microsoft
$HD - Home Depot
$JNJ - Johnson & Johnson
$WM - Waste Management
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Roth IRA limits are expected to increase to $7,000 in 2024.
That is $500 more than the current limit of $6,500.
Maxed out over 30 years with an 8% annual return gives you another 60k tax-free in retirement.
Sign me up.
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Want to be a passive millionaire?
Put $100 a week in a S&P 500 fund.
At an 8.5% return.
For 35 years.
You’ll have $1,047,000.
Set up automatic deposits and this requires ZERO time.
And in a Roth IRA you’ll pay ZERO capital gains tax.
You can’t beat this strategy.
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If Chick-fil-A ever IPOs I’m putting my whole account in it.
Seeing a consistent line of 20+ cars is all the research I need.
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Lunch prep for the week complete.
$20.74 total.
$5.19 per meal.
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Vanguard has $6.2 trillion is assets under management and an app that looks like it was made for the original iPhone.
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Industries of the future:
- EV
- 5G
- Travel
- Gaming
- Robotics
- Cannabis
- Telehealth
- Blockchain
- Gene editing
- Data security
- Clean energy
- Cloud computing
- Space exploration
- Artificial Intelligence
What would you add?
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Another successful lunch prep for the week.
4 meals. $18.26 total.
$4.56/meal.
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Healthy and affordable taco bowl meal prep.
$20.65 total.
$5.16/meal.
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Cubicle employee: $70k
Electrician: $150k
Society would have you automatically think the first is more successful.
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90% of my portfolio is invested in ETFs.
Here are the top 6:
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Steps to be a millionaire passively.
1. $100 a week into an S&P 500 fund
2. Repeat for 35 years
Simple.
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$VOO Vanguards S&P 500 ETF has returned an average of 11.9% annually over the last 10 years.
$VTI Vanguards Total US ETF has returned an average of 11.4% annually over the last 10 years.
Pick one, and invest.
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Dividend rundown: ETF edition
$1,000 in $QQQ earns $6/yr
$1000 in $VOO earns $16/yr
$1,000 in $DGRO earns $25/yr
$1,000 in $VYM earns $31/yr
$1,000 in $SCHD earns $36/yr
$1,000 in $JEPI earns $107/yr
Which are you buying?
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Brought back the taco bowl meal prep.
$22.64 total.
$5.66/meal.
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Vanguard ETFs can do it all:
$VGT Tech
$VUG Growth
$VOO S&P 500
$VB Small Caps
$VNQ Real Estate
$VXUS International
$VIG Dividend Growth
$BND Total Bond Market
$VYM High Dividend Yield
$VTI Total US Stock Market
These make investing simple.
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The 4 types of stocks you need to know before investing:
- Value Stocks
- Dividend Stocks
- Growth Stocks
- Spec Stocks
Here's each one explained:
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The stock market is the only sale people run away from.
Don't ignore the discounts.
Here are 10 stocks down 50%+ this year:
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There are 82 Vanguard ETFs.
But most investors only know about $VTI and $VOO
Here are 3 under the radar ETFs to consider for your portfolio.
—
VDE - Energy
While it isn’t the growth king, VDE offers a healthy dividend for investors.
Inception Date: 2004
30 Day Div Yield:…
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Meal prepping is one of the easiest ways to save money.
7 meals. $26.65 total.
$3.81/meal.
(And it’s healthy)
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ETFs vs Index Funds
Here are the differences every investor needs to know:
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Vanguard is stacked when it comes to ETFs.
Total US Stock Market - $VTI
High Dividend Yield - $VYM
Total Bond Market - $BND
International - $VXUS
Real Estate - $VNQ
Small Caps - $VB
S&P 500 -$VOO
Growth - $VUG
Energy - $VDE
Tech - $VGT
Which one is your favorite?
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"I'm too dumb to invest."
No, you just need to learn about ETFs.
$VOO - S&P 500
$QQQ - Nasdaq 100
$VTI - Total US Market
$SCHD - US Dividend 100 Index
Investing on easy mode.
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Vanguard is an ETF beast.
$VUG Growth
$VOO S&P 500
$VTI Total US Stock Market
$VYM High Dividend Yield
$VIOG Small Cap Growth
$VNQ Real Estate
$VIG Dividend Growth
$BND Total Bond Market
$VXUS International (Non US)
What’s your favorite Vanguard fund?
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“Why do you invest?”
So I can have the option to disappear in a place like this one day.
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An HSA is triple tax-advantaged investing account.
(the only of its kind)
1) Money goes in tax-free
2) Money grows tax-free
3) Money comes out tax-free
Here are a few things to know about this powerful account:
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$7,000 sounds like a lot to invest but here is the breakdown:
$583 per month.
$134 per week.
$19.10 per day.
Make this happen over 30 years in a Roth IRA with an 8% annual return.
It turns into $820,000 tax free.
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You could invest for a lifetime and only use these 5 Vanguard funds.
1. $VTI
2. $VUG
3. $VYM
4. $VNQ
5. $VXUS
Some might say this is to simple.
But you’ll still outperform 95% of people.👌
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Reminder that Vanguard’s money market account $VMFXX is yielding 5.26%
Not a bad spot for spare cash.
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The 4 types of stocks you need to know before investing:
- Value Stocks
- Dividend Stocks
- Growth Stocks
- Spec Stocks
Here's each one explained:
--
Value Stocks
Anyone new to the stock market needs to learn the basics of valuations, financials, management teams, cash…
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Vanguard ETFs can do it all:
$VGT Tech
$VUG Growth
$VOO S&P 500
$VB Small Caps
$VNQ Real Estate
$VXUS International
$VIG Dividend Growth
$BND Total Bond Market
$VYM High Dividend Yield
$VTI Total US Stock Market
These make investing simple.
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The S&P 500 has returned negative 29 years.
Of those 29, only 8 have been followed by another down year.
In other words, we have a 72.5% chance of positive returns in 2023.
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How much you need to invest by age to reach $2 million by 65.
Assuming a 9% annual return before taxes and inflation:
20 - $310/mth
25 - $471/mth
30 - $738/mth
35 - $1,878/mth
40 - $3,110/mth
Time is money my friend.
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Another lunch prep done.
Cook time 30 minutes.
$16.30 total.
$4.08/meal.
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$VOO Vanguards S&P 500 ETF has returned an average of 12.7% over the last 10 years.
$VTI Vanguards Total US ETF has returned an average of 12.1% annually over the last 10 years.
Which is your favorite?
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Taxes are the worst.
That's why you should max out your Roth IRA.
1) $7,000 invested annually.
2) 8% yearly return.
3) Wait 30 years.
Congrats you have $826,000 to enjoy tax free.
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Another affordable and healthy meal prep for the week.
7 meals. $34.65 total.
$4.95/meal.
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Looking to build your passive income?
Here's 5 dividends ETFs that will pay you for doing nothing.
// Thread //
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Vanguard is an ETF beast.
$VOO S&P 500
$VTI Total US Stock Market
$VUG Growth ETF
$VYM High Dividend Yield
$VB Small Caps
$VEU International
$VNQ Real Estate ETF
$BND Total Bond Market
What’s your favorite Vanguard fund?
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$VTI largest holdings:
1. $AAPL
2. $MSFT
3. $GOOG
4. $AMZN
5. $TSLA
6. $NVDA
7. $FB
8. $BRK
9. $JPM
10. $HD
The best companies in the world, all in one ETF.
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Want to retire with a $1,000,000 portfolio?
Here's what you need to invest by age:
20 - $155/month
30 - $367/month
40 - $932/month
50 - $2,686/month
Stop waiting. Start investing.
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Vanguard can cover all of your needs.
$VOO - S&P500
$VONE - Russel 1000
$VTI - Total Stock Market
$VGT - Information Tech
$VFH - Financials
$VNQ - Real Estate
$VHT - Healthcare
$VDE - Energy
$VPU - Utilities
When it comes to ETF providers, they are the GOAT.
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Average net worth by age group.
Are you above or below?
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Industries of the future:
- EV
- 5G
- Travel
- Gaming
- Robotics
- Cannabis
- Telehealth
- Blockchain
- Gene editing
- Data security
- Clean energy
- Cloud computing
- Space exploration
- Artificial Intelligence
What would you add?
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ETFs and their Index Fund equivalent
Owing any of these is a win
S&P 500
$VOO = $VFIAX
Total US Stock Market
$VTI = $VTSAX
Dividend Appreciation
$VIG = $VDADX
High Dividend Yield
$VYM = $VHYAX
Small Caps
$VB = $VSMAX
Real Estate
$VNQ = $VGSLX
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Lunch prep for the week complete.
$22.98 total for ingredients.
$5.75/meal.
Healthy and affordable.
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This is why you should invest early:
Tom from 20 to 30:
• Invests $1,000/month
• Contributes $120k
Bob from 35 to 65:
• Invests $1,000/month
• Contributes $360k
Total at 65 with 8% annual return:
• Tom: $2,700,000
• Bob: $1,400,000
Time is money, get invested.
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$10,000 in the S&P 500 in 1980 would be over $1.1 million today.
That's an ROI of 11,000%
or 11.55% per year.
Invest...please.
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ETFs that could make you a one click millionaire:
$VOO - S&P 500
$SCHD - Dividend Yield
$QQQ - Nasdaq 100
$DGRO - Dividend Growth
$VTI - Total US Stock Market
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The recipe to be a millionaire.
$105 a week in a S&P 500 fund.
At an 8.5% return.
For 35 years.
You’ll have $1,022,000.
It’s as simple as that.
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This isn't a dip. It's a crash.
The Nasdaq 100 is down over 30%, the S&P 500 is down over 20%.
Here's what the numbers say is next:
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The S&P 500 is only 5% from a new all time high.
That’s the tweet.
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Don't know how much to spend on a vehicle?
Try the 20-3-8 rule:
- 20% down payment
- 3 years financing max
- 8% or less of monthly income
Shout out to The Money Guy Show for this blueprint.
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Investing in a bear market looks dumb, until it turns into a bull market.
Remember that.
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Over the next 30 years the $39,920 Shaun invested will grow to $397,000.
That new car Mike wanted cost him over a quarter million dollars and likely years of retirement.
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7 growth stocks for the future:
🧵Etsy $ETSY
💳Square $SQ
🔋Tesla $TSLA
🏠Airbnb $ABNB
📦Shopify $SHOP
🌎Amazon $AMZN
💻Crowdstrike $CRWD
What are your favorite growth positions?
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10 secret stock market facts the average investor doesn’t know:
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A little mid week meal prep.
7 meals. $35.05 total.
$5.01/meal.
(Taco bowls go hard)
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How to save $100 in 45 min, change your own oil.
One Youtube video, few quarts of oil, new filter, oil pan, wrench, and you are set.
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The rich stay rich by acting poor.
The poor stay poor by acting rich.
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The passive millionaire blueprint:
$100 a week into a S&P 500 fund.
8.5% average annual return.
Repeat for 35 years.
You’ll have $1,045,000.
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How much do you need to invest each week to become a millionaire at retirement?
Here is the breakdown by age:
20 - $72
25 - $108
30 - $164
40 - $406
50 - $1,280
The earlier you start, the better.
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Lunch prep for the week looking healthy and affordable.
$10.55 for ingredients.
$2.64 per meal.
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If you aren’t earning over 4% on cash in savings accounts right now you are missing out.
Ditch the 0.05% from your bank.
There are much better options.
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Fidelity CD offerings.
Looking to park some cash in these soon.
Any tips, good-to-knows, or other recommendations?
(will be my first CD purchase)
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10 innovative ETFs to watch.
$QQQJ - Tech
$ARKF - Fintech
$NERD - ESports
$SUBZ - Streaming
$ARKG - Healthcare
$ICLN - Clean Energy
$BETZ - Sports Betting
$SMH - Semiconductors
$ARKX - Space Exploration
$BOTZ - Artificial Intelligence
Which would you add?👇
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2022 S&P 500 performance: -19.4%
2023 S&P 500 performance: +24.3%
This is why you don't time the market.
Missing the best days will cost you.
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Investors:
The kind of people who have a hard time justifying $3 guac but don't think twice about a $1,000 brokerage deposit.
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Save your money.
If there's a recession, you have money.
If there's a rally, you have money.
If there's nothing, you have money.
Cash is not always trash.
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The investment cycle.
1. Time -> Money
2. Money -> Investments
3. Investments -> Money
Repeat.
You win when you can eliminate step 1.
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Update on Fidelity CD offerings.
Another option along with TBills and high yield savings accounts to park cash.
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The wealthiest 10% own 89% of all US stocks.
Get mad at this.
Or find a way to get in that 10%.
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Got a sick wall art gift from one of my buddies.
Just another reminder that the S&P has seen a lot, and this time probably isn’t different.
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Stop treating investing like a hobby and act like it's your job.
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