this post was submitted on 27 Dec 2025
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[–] ryathal@sh.itjust.works 1 points 1 day ago (1 children)

It's gone down moth over month many times though. If you are dependant on that principle month to month it's insane to trust the market.

[–] TubularTittyFrog@lemmy.world 0 points 1 day ago* (last edited 1 day ago) (1 children)

all that matters is the value when you cash out. if you are sitting there agonizing about an assets value month to month you're doing it wrong.

just because you are irrational and don't know how to invest, doesn't mean the rest of us don't. i have a handful of stocks and such, i have no clue what their value is because i check it like once a year. in the 5 years it's been invested my money has doubled.

[–] ryathal@sh.itjust.works 1 points 1 day ago (1 children)

Investing is great for retirement funds, over the 30 years or so it's great for returns. It's terrible to invest principle you need in scope of months or 1-2 years even.

If you have 20k and a 20k loan, putting that money in the stock market is stupid if you need that money to pay the loan. If you have 20k, a 20k loan, and income to cover loan payments in addition to living, it may be beneficial to invest that 20k, but it's still relatively high risk.

[–] TubularTittyFrog@lemmy.world 1 points 1 day ago* (last edited 1 day ago)

cool. keep telling me how stupid I am. I have seen that 20K become 45K over the past 5 years.

guess i should have just dumped it into a car 5 years ago instead of doubling it. gosh, what a total a moron i am!