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Joined 1 year ago
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Cake day: June 11th, 2023

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  • Counterintuitively, I try to do less. If I have 5 things to do today and can’t motivate myself to get started, I push all but 1 or 2 off until later. Then I know a nice, log break is waiting for me for the rest of the day if I finish those things. At that point, getting the one or two things done feels worthwhile, and it feels like there’s a reward for me at the end (goofing off guilt-free).

    I mean, I wasn’t going to get all 5 things done today because I’m a procrastinator. But if I accept that and make the workload much lighter, can get a little done.















  • True, but it’s worth noting that this is an average and will vary wildly. Since I started tracking my annual returns have been 9.42%, 1.12%, 8.44%, 17.28%, -5.30%, 22.04%, 18.75%, 15.60%, -17.58%, and 18.11%. Which averages out to 7.75% — not far from the usual 7% figure.*

    So for anyone just learning about investing, you’ll almost never have an “average” year. Each year will be all over the place. It’s only when you’ve been in the market for a long time that your returns will average out to something close to typical.

    *I’m also ignoring an important distinction: IIRC the stock market averages close to 10% returns if you only look at dollar values. But when you account for the fact that inflation makes reach dollar worth less, on average returns are 7% in terms of real purchasing power. The returns I posted above are not inflation adjusted, but they include some bonds which don’t return as much as stocks. So it’s no surprise that my returns are on average less than 10%.