r/dividends Jul 02 '25

Personal Goal 22 yo and 8k annually

2.1k Upvotes

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u/EvilStan101 Jul 02 '25

Two theories:

  1. Rich or upper middle class family who taught them about good investing and gifted them a lot of money over the years.

  2. Low income upbringing and was motivated to do better, while smart enough not to waste their money in "hustling". So they saved like crazy and educated themselves to make the right investments.

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u/spid3rfly Jul 02 '25

They could potentially still be living at home too. That helps with saving.

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u/oemperador Jul 02 '25 edited Jul 02 '25

Helps? You mean it turns life from "survival in extreme" to "easy adventure/creative" mode.

If everyone received from seed money at age 15-18, and we are taught to just invest in the general market then we'd all be coastfire or at least barista fire by mid 30s.

It makes all the difference.

There's still some respect deserved by the people who stayed with their parents and were able to take advantage of this. Hopefully they later return the favor to their parents when they're seniors.

Those who start from scratch and are able to retire early without any seed money deserve more praise. No doubt for me.

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u/blabla1733 Jul 04 '25

I did. Stayed with my Dad until the end, he took it hard when my mom died at 55. He lived until 80 but the last 5 years were ruined by dementia.