Late investor playing catch up in my 50's. Sold $PLTR at $13. Real Estate, UK peer to peer lending, index tracker lover, $SCHB, $MSBT, Tesla convert. NFA

Joined September 2015
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I’ve been on X for 10 years but only started posting regularly recently. I decided to share a few real estate projects I’m involved in to inspire and highlight the challenges along the way. I’m not wealthy. My income is unpredictable because I’ve spent years avoiding the 9 to 5. Time and freedom mean everything to me. I’ve funded projects by investing when I could and keeping my expenses low. I’m 52, no dependents. I’ve tried multiple careers: touring club DJ, web developer, real estate investor. Most businesses failed; others I walked away from. Some just paid the bills. I went bankrupt in 2011, wiped out by the 2008 financial crisis. Lost 3 condos, 5 acres of city land, and a house, all bank foreclosed. I was 50% leveraged, 100% my fault. Learned the hard way that banks don’t care about you, so you have to be your own bank. I also loaned over $100K to a friend who owned several bars (don’t do this). No collateral, 30% interest, and six months later he filed for bankruptcy and fled the country. Lost everything. Another expensive lesson. Now I’m throwing darts at the board one last time, hoping one lands. Still battling thoughts of failure every day. Trying to retrain my brain to glass half full mode but it's hard. Project 1: Small lakefront lot in Central Florida. Planning to build a 2,500 sq ft spec home to sell for profit. I’m not a GC but working with one. Purchased with two others in April 2025. Permit applied for in May, approved in October. City delays and some GC errors slowed things down. Hoping to start construction soon. Project 2: Buying pasture land in Alabama with a partner to build a niche rental property and add RV spaces. Totally outside my comfort zone, but nothing ventured, nothing gained. Project 3: Invested 5 figures as a silent partner in a townhome flip purchased in January 2025. Was told it would take 6 weeks, but it’s now October and still not complete. I’ve had zero control and learned a lot about what not to do as a passive investor. Follow along if you want to join me on this journey. Hopefully you’ll learn something from the wins and the mistakes.
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NBA player with no connection to Slovenia gets “granted” Slovenian / Eu citizenship. One set of rules for the connected and another set for regular folk
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FSD v14.3.4 pushing wide. Check your car
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Recently spent some time in my sis’s MG electric car. Software was laggy and buggy. Screen constantly reset while driving. Software can’t be updated so the out going into the dealer. There is nothing like @Tesla software. It just works.
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For the last year I've grossly underperformed the indexes by trying to stock pick for one year. 13.6% in Trading 212 (stock picking) vs 26% in Vanguard's US Equity Index Tracker Fund. Stock picking has cost 100% vs index tracking. While stock picking is thrilling, investing in an index tracker fund and doing nothing is the way
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I got assigned 2 $SPCX shares. Asked for 10 through Etrade. Historic but expecting a drawdown.
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X is such a blessing and a curse. It can derail your investing journey and make you question your decisions. Hundreds of finX influencers pushing narratives about stocks and company bottlenecks. When the whole time you could’ve just been investing in the S&P 500 with less stress and time wasted. But oh the thrill of stock picking attempting to find that next 10 x bagger.
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I love my @tesla but the windshield wipers are the worst of any car I’ve owned. How hard is it to get that right?
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FSD Standard was really good in V14.3.2. 7mph over speed limit in town and 5mph over on highway. Not sure why @Tesla_AI broke it in V14.3.3?
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Just came back from 3 weeks in Spain, Italy and England. Ate a lot and came home 10lbs lighter. Make me wonder what is in the food in the USA
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Space x IPO will be a coin flip gamble. Stock market is running on pure sentiment vs fundamentals
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I’ve seen 100 X influencers talking about 500 different stocks. All of them making big gains. Everyone looks like a genius during a bull run.
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Still waiting on the Tesla “Summer” update
I guess the @tesla Spring update will become the Summer update if we ever receive it
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Lots of stocks going from $8 to $170 in a few months. Millionaires created but not normal and unsustainable. Set your stop losses people.
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My @Tesla 2024 Model 3 isn’t perfect. Strange clicking as plastic behind AC air vents cool, slight rattle under the steering wheel, skipping wiping blades that replacement and windshield cleaning doesn’t fix. But FSD trumps all the flaws. It’s like having a chauffeur. I rarely drive manually anymore. Until you’ve driven a Tesla with FSD for a while, you won’t understand.
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But I thought Stocks only went up?
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Tesla FSD V14.3.2 is a regression version IMO Nag is far worse Follow distance still too close Speed profiles are inconsistent (see below) Car camps in left lane Had several stab braking incidents and jittering steering wheel Annoying pop up happens when I disengage at destination Still love FSD but hope @tesla_ai fixes these issues soon
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A good portfolio should have 10,000 bottles of aged whiskey, 500 unworn Rolexes with tags, box and papers, 25 gold bars, 100 BTC and 1000 Intel shares.
A good portfolio should at least have: 3-5 BTC in cold storage 10 BTC in brokerage account 1,000 shares of MSTR 10,000 shares of STRC Am I missing anything?
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Remember when $BTC was $124k? Seems like an eternity ago
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I see lots of accounts posting huge $RKLB gains. I’d guess most people are like me with smaller positions. I’m mainly an index fund investor which won’t generate wealth but I’m fine with that. I don’t have the stomach for the downside if I’m wrong on a single stock. But I will dabble in smaller positions and I’m happy with smaller gains (or losses)
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