Spyke

Posts

fire·FIRE (Financial Independence Retire Early)byPOTOOOOOOOO

Diversification and REITs, What's next after $SCHD

Greetings,

Hi, I'm a US based, mid 30s, Linux user.

I mainly hold a lot of $SCHD in my brokerage but I feel like I should possibly diversify. I don't know a lot about REITs and I have none in my portfolio. I also have little tech exposure as $SCHD doesn't buy much. So, I complement it with a bit of $QQQM.

$QQQM has almost no dividend. I don't generally want to sell any stocks. I looked into $JEPI but it seems to not keep up with the market. My goal is to never sell because of Tax reasons. I'm definitely more of a dividend investor.

I don't want to get much exposure to healthcare. Ever since late last year I think the industry has been heavily under heavy scrutiny. I don't expect it to do as well. Plus, I don't like the idea of making money off people who are sick.

I like the idea of having a second source of income. I live very frugally and had 5 jobs in 5 years. I think I settled on a great place to work; but the fear and concerns from layoffs are always there. It's nice having a soft cushion of dividends.

I have a 401k largely investing in fortune 500.

I was would like input from others.

View original on reddthat.com

Channeling Survivor's Guilt and Being a better Buddhist

I want to start with a bit of a story. A few months ago I was laid off.

I was too stressed from the layoff to eat and lost a lot of weight. My doctor said I may have cancer. I started going through tests ultimately to find out I am clear. My friend at the same time was diagnosed and died of cancer shortly after.

I found a job right away, but my other friend and coworker didn't. For the last ~10 months I searched for jobs for with him until I knew he had healthcare and medicine.

Now that he is employed I feel like I lack a purpose. I wonder why I survived and thrived when so many others can't. I really don't feel I deserved that.

I always found Buddhism interesting but a few months ago it just clicked. It was like I found where I should be. There's no temple near me that is in English and I'm far too shy for a local community. I'm kind of following what I think is a path with no clear direction at times.

I feel the need to solve the world's problems. I just don't know how. I don't know where to start. I just want to help. And I want to be a better whatever I am. I didn't take any vows. I don't really know how to proceed. Heck I don't even think I meditate correctly. I'm still alive when others are not; and I want to take advantage of that. I want to make the world better.

I'd like your input.

Edit; I got a lot of work to do. Thank you all for your kind words.

View original on reddthat.com