SteveR
Moderator Emeritus
- Joined
- Jul 1, 2005
- Messages
- 2,811
Good questions here.
In my case I would have to say it has been mostly hard work and the gonads to say No to speding and take some risks while living enough below my income to save enough to start investing.
Luck is a relative thing. It comes in both Good and Bad flavors and each has a profound effect on your life.
+Good luck...parents were Depression Era poor folks that gave me the insight into that era.
+Bad luck...they were not well off and I will inherit nothing.
+Good luck...managed to get myself though college and get a decent job.
+ Good luck.......granted ISO options every year.
- Bad luck.....stock price tanked after I bought and held. (AMT sucks )
- Bad luck...strike price is still so far underwater even Nords could not go deep enough to find it.
- Bad luck...these options were granted in place of a larger pay increase.
+ Good luck...divorced my first wife who spent 10X what we made and then charged more.
- Bad luck...net worth was a very negative number until 15 years ago.
- Bad luck....divorce cost me alimony, child support and I was "given" all her debt to pay off.
+ Good luck....this made me save more, pay down all the debt, live below my income and start educating myself on investing.
++ Better luck....I made some decent choices in some investments and made some money.
- Bad luck....waited too long to sell off some tech stocks and lost over 30% of value.
- Bad luck..still working to get back to my "number" so I can retire.
+ Good luck...married a professional woman who made about the same salary as mine.
- Bad luck...she never got a chance to enjoy much of her retirement.
+ Good luck...remarried and now have someone to share retirement with.
+ Good luck...most of my investments are doing OK and I am on track to retirement.
In my case I would have to say it has been mostly hard work and the gonads to say No to speding and take some risks while living enough below my income to save enough to start investing.
Luck is a relative thing. It comes in both Good and Bad flavors and each has a profound effect on your life.
+Good luck...parents were Depression Era poor folks that gave me the insight into that era.
+Bad luck...they were not well off and I will inherit nothing.
+Good luck...managed to get myself though college and get a decent job.
+ Good luck.......granted ISO options every year.
- Bad luck.....stock price tanked after I bought and held. (AMT sucks )
- Bad luck...strike price is still so far underwater even Nords could not go deep enough to find it.
- Bad luck...these options were granted in place of a larger pay increase.
+ Good luck...divorced my first wife who spent 10X what we made and then charged more.
- Bad luck...net worth was a very negative number until 15 years ago.
- Bad luck....divorce cost me alimony, child support and I was "given" all her debt to pay off.
+ Good luck....this made me save more, pay down all the debt, live below my income and start educating myself on investing.
++ Better luck....I made some decent choices in some investments and made some money.
- Bad luck....waited too long to sell off some tech stocks and lost over 30% of value.
- Bad luck..still working to get back to my "number" so I can retire.
+ Good luck...married a professional woman who made about the same salary as mine.
- Bad luck...she never got a chance to enjoy much of her retirement.
+ Good luck...remarried and now have someone to share retirement with.
+ Good luck...most of my investments are doing OK and I am on track to retirement.