I’ve decided to manage my own investments this coming year. Vanguard charges very low fees and I am using simple “strategy” if you can even call if that.
Basically just investing 80% in low risk ETFs and 20% in bonds (buffets advice for his wife’s inheritance upon his death). No brokerage regularly outperforms the S&P 500 which has average yields of 11.8-15% annually. We are at a present low, which is good (think great companies on sale).
*Am I leaving money on the table with such a low risk strategy? Probably. Do I care? Not really. I am super risk-averse after the past few years!*
Speculation is the quickest way to lose money. S&P 500 ETFs are the safest bet because it is diversified and if it goes bust, so does the world so 🤓
Monthly contribution: $6,000
I don’t withdraw funds ever, so it makes my tax exposure considerably low.
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i was just wondering if you had any helpful/calming advice for sleeping. my grandfather passed recently and ever since then, i’ve been having a difficult time sleeping which sucks because i have school in the morning and i end up feeling very unmotivated.
hi ✨
i’m so sorry to hear that. i hope you can find peace really soon.
here’s some things you can do to help
you fall asleep ☁️🛁🕯️📖
listen to asmr videos, they are very calming
listen to lofi music
listen to calming sounds .. like rain, crackling fireplace sounds etc
make sure to get off of your phone atleast 1-2 hours before bed. being on your phone is a distraction and makes your mind busy.
take a hot bath or shower right before bed with calming bath oils (the bath oils is optional)
make sure the temperature in your room is comfortable, preferably a little cool
have some bedtime tea. chamomile and peppermint tea is said to help calm you for sleep
calm lights in your room can help, either no lights on or fairy lights
meditating while in bed can lead to falling asleep
reading before bed
waking up early in the day and not taking a nap at all so when it’s time for bed you should be really tired
i hope something here helps you. sending so much love and healing energy, please accept ✨🤍
Here are some cute ways to manifest that will definitely brighten your spirits!
The Plushie Method
inspired by @lotusmi anon, this is a cute way to manifest and know that everything will be alright! for this method, simply pick out your favorite plushie or toy, and play pretend that you already have your desires! have your plushie tell you that you have your desired results and that you'll be okay! it's a cute and fun way to manifest your desires!
The Complaining Method
this one is pretty funny! just complain about how you have your desires and how annoying it is! for example, let's say you were manifesting longer hair, you would be like "UGH why is my hair so long like omg i CAN'T. It goes wayy past my shoulders like ughh" see? it's easy and funny and you'll get your desires quick!
The Interview Method
pretend you're at a famous interview as a celebrity! put on your best outfit. put on applause sounds in the back and pretend you're being interviewed! pretend the interview host is asking you questions based on your desires. like "omg how did you get your hair so long?" or "what is it like being one of the most richest people to exist?" this is such a fun and random way to manifest!
That's all for today! hope you enjoyed this post! these are fun ways to manifest and YOU make the rules! bye bye and happy manifesting!
Having a good morning is literally essential for having a good day, so on those days when you’re dreading what’s to come or when you just need a pick me up! You do not have to do all of these, just the ones you’re interested in.
Listening to music while getting ready
Create a music playlist full of good vibes and hype, then let it blast while you’re showering, doing your makeup, etc. This creates such a good atmosphere for your mind in the morning, as long as you stay away from songs that are negative (pay attention to the lyrics!)
Allowing 20 minutes to just drink something.
No phones, no music, no distractions, just pure sipping and sitting. This can be your drink of your choice, ideally something that you enjoy drinking. Whether it’s coffee, tea, hot chocolate, matcha or even coke, just slowly sip it and savour each sip while just sitting. This helps so much for having a calm morning, as this declutters my mind and allows things that are actually important- be important.
Put some effort in your alarm
Make your alarm be so enjoyable, you can’t even get mad at it for waking you up. It can be your favourite song, a meditation, a motivational speech, your favourite character dialogue or even your favourite person’s voice. This can make waking up a lot less difficult.
Stretch before the day stretches you
I sit a lot, and my posture isn’t the best, so I ensure that I leave a little bit of time each day to fully stretch my body. This just isn’t so I don’t have constant neck pain from always looking down at my computer. If you have a sedentary lifestyle, then stretch.
Reading an wholesome article, book, bible verse etc
this can boost your morning so good!! a little brain food too, mentally and emotionally nourishing. ( if you guys want book recommendations lmk! )
Having a social media free morning
I know not everyone is able to stay off their phones in the morning for whatever reason, so instead just avoid any social networks. Scrolling on most platforms just cause you to compare yourself, feed yourself negativity and messes with the balance of your day. The most ideal would be staying off your phone completely, but I understand not everyone can.
Writing a list of things you look forward to
This doesn’t have to be big major things, but genuinely anything that makes you wanna push through the day. Mine today was I looked forwarded to talking to my friends after the weekend and baking cookies <3
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