Is 28 to late to start investing?
depends on how much money you already have, your current salary and your long term goals. having said that investing is better than not investing even if its just to keep you from purchasing retarded things and to give you a goal in life, something to work towards.
>>62014231Its actually too early because your brain is still in the retarded underdeveloped pupal stage, as evidenced by your posting of basedjaks.
>>62014231no80% VTI20% TQQQ/thread
Sorry, you were exactly one second too late. It's over. It's never been more over.
>>62014231you need about 30 years of really really passive investing, so youd be 58 at the end.if you tryhard it then you can cut it by half or more.just have a job and dont fall for materialism/women and you're above 90% of the population.
>there is an age where you are too old to earn yield on your cashIf you meant to ask if you should be embarrassed for waiting this long to do so, the answer is yes
>>62014231Your life is more than halfway over, spend what you have unless you plan on leaving inheritance for some reason.
>>62014231If you have about 50k in investments by the age of say 32, you can basically just slow down and only contribute like 200 bucks a month and still retire as a millionaire. Assuming a conservative growth with index funds of 10% yearly ROI or an inflationary growth of 15% CAGR over the decades will put you as a multi millionaire.Even by 50 you can start taking out from your ROTH IRA and actually go on vacations quarterly and actually enjoy life.As long as you don't succumb to lifestyle inflation and get caught into financial traps.If you can get approved for near inflation loans like 3.5% , you can just pay off the minimums and supercharge your investment accounts.
>>62014401I'll also add to the caveat that this will depend on if you have a good secure job. If you're lucky enough to get a 100k loan for 3 or even 4%. Stuff that into index funds as the images below are shown.
>>62014231If you're asking this, you're already too late
>>62014408Even with 10% APY you make back double your initial if it's just parked. Given the typical returns on the S&P500 over the decades averages about 8 to 12%
im 38 with 200k. is it too late for me?
>>62014231Most zoomers nowadays don't get their first job until like 26 or older and definitely don't have investment money until 28 or older. And those ages are going up.
>>62014231I'm 28 and I got my first BTC, I staked it on babylon, its not too late
>>62014294Thanks this was the answer I was looking for. Yes I've been retarded in my 20s but I'm really trying to lock in now while it's not completely over and aggressively save whatever I can after spending on my basic essentials.>>62014401Thanks anon
>>62014231if you have enough money to start putting aside money for investing, you're better off than 60% of the population btwyou're not too late, just be patient
>>62014416>Anon forgets taxes and the big f3d.>GG
>>62014231do NOT start investing. Not because you're too old (you're not). But because you asking this shows that you're too retarded and shortsighted to make anything from investing. You're just going to be another victim of someone's shitcoin that you thought would be a good idea to dump everything into
>>62015344I was gonna just gonna DCA into index funds and maybe dedicate a small portion to crypto fun money
I’m 31 with a negative net worth. It’s actually over for me. Just start investing now and don’t take on bad debt.
>finally began at 28>biz helped lead me to multiple 10x, a 30x and a 1000xOpportunity is easier to spot when you're looking for it, I can say that much
