Welcome • User Guide
ToS • Privacy • Canary
Donate • Bugs • License

©2025 Poal.co

838

I am by no means financially illiterate but i genuinely don't know what do do to protect the money.

Stocks? Valuations are ridiculous. I already feel overleveraged in equities with 70% net worth in my mid 20's.

Bonds? Fed wants to raise rates by 2023

Land? Lmao good luck getting a fair buyers price.

Gold and silver? I have a stack already and am looking to diversify to keep the purchasing power to buy land out west.

Crypto? No thanks. I bought eth at 10$ and sold at $800. I swore i would never touch crypto again and make the issac newton investing mistake.

Any one have some secret jewish loophole I can stash my cash to protect against the nonsense? I'm literally sticking the money into a savings account getting like 15 basis points.

I am by no means financially illiterate but i genuinely don't know what do do to protect the money. Stocks? Valuations are ridiculous. I already feel overleveraged in equities with 70% net worth in my mid 20's. Bonds? Fed wants to raise rates by 2023 Land? Lmao good luck getting a fair buyers price. Gold and silver? I have a stack already and am looking to diversify to keep the purchasing power to buy land out west. Crypto? No thanks. I bought eth at 10$ and sold at $800. I swore i would never touch crypto again and make the issac newton investing mistake. Any one have some secret jewish loophole I can stash my cash to protect against the nonsense? I'm literally sticking the money into a savings account getting like 15 basis points.

(post is archived)

[–] [deleted] • 14 pts (edited )

Real estate. Look at undeveloped land on the fringe of whatever metro area you are near. Look at a rental(s) if you want to be a landlord, but I really don't recommend that if you have no experience with it. The main reason I would look at rentals right now is because the insanely low interest rates will allow you to leverage, but again this is a bit risky and being a landlord sucks for the most part. Undeveloped land is the best, but provides no income, and you might have to wait a boom/bust cycle or two to make a good profit. Or you develop it (This is what I do). Worst case scenario with raw land, providing you buy cash and don't leverage, you have a place to live. A lot depends on your skills and desires. The rest of your ideas: Gambling. Might as well go to Vegas and booze it up and lose it all right away.

Edit: I meant to add Gold/Silver in there. Physical only, and only a portion. And- don't do that because you think you will make a profit. And it provides no income. That is just a hedge, and probably the best inflation correcting one around.

[–] • 7 pts

You are correct. The reason real estate is so insane now is due to (((hedge funds))) doing exactly what you described. They drive the prices out of sight because capital is so cheap. It sucks being a landlord, but that is the best way to generate income right now. Few can afford to buy homes now. If you can, do it.

Consider the risk of the government using rent control though. It sucks having a fascist regime in power.

[–] [deleted] • 5 pts

Yep. And, if one is interested in rentals, the shittiest ones that you are sure you can keep full are simply the best income generators. Trailers even, depending on the area. The downside to that though is that you have to deal with "Low Rent" people, and that is the worst part of being a landlord. The ones we have right now are pretty good. Lower end retirement/resort type of area, so our renters tend to be either fixed income retirees or snowbirds who want to live cheap. By cheap, the "cheap" rent here is probably 4x the mortgage on a rustbelt home.

[–] • 6 pts

Two tricks for better tenants:

  • Price your rental a bit below market. It will make your tenants stay unless they really have to go.

  • Make up a reason to visit prospective tenants in their current digs. This will tell you how they treat the place they live.

[–] • 0 pt

What’s wrong with “low rent” people? How is anyone supposed to save up money for a house or an emergency if they’re paying sky high rents?

[–] • 1 pt

The suggestion of rent seeking being difficult due to fascism is literally why I'm NatSoc.

Your post is fractally self-similar to the entirety of the issue. Thanks Fren!

[–] • 2 pts

Tax is outrageous where i live to discourage companies from doing this. I know you.can stick some cows on the land and call it agricultural land to decrease the tax burden but i'm not that experienced with real estate and will probably get arrested for tax fraud lmao. I'm afraid i don't know construction or land development work professionally so i don't think thatss a viable option for me.

You.might call me autistic but i have been considering investing in land outside of the us with up and coming economies and stable governments. But idk how viable that is with management and tax laws as well.

Thanks for your response.

[–] [deleted] • 5 pts

Putting your money in some unknown- especially outside of the US, sounds like suicide. I would opt for the drunken Vegas binge before you do that. If you are really unsure, park it it precious metal and put your mind to work trying to figure out something (relatively) safe that will get you ahead/provide income. No need to rush into something.

[–] • 1 pt

I'm in the very early research stage for that. And i take my financial decisions nice and slow. Im not the type to just yolo my money into some african shithole.

Just wanted to get a feel on how others would manage the funds if they were in my position.

[–] • 2 pts

Moving money into assets outside the country isn't the worst idea until you remember that so long as you're a US citizen, you need to declare it and pay taxes on it. IRS has long arms until you hand in your passport.

[–] • 1 pt

I agree about the land, but not being a landlord. The chance to rent to niggers is way too high. You can also get some leftist activist that refuses to pay rent and squat on the property. It’s just not worth the hassle. Open land will only go up in value for the most part.

[–] [deleted] • 0 pt

I clearly stated that being a landlord sucks, and yet you read it as a high recommendation to be a landlord? Mind boggling.

And- for what it's worth: Where I am nigras are just an unproven myth, and yet I still said that being a landlord sucks and I don't recommend it.

[–] • 1 pt

I have relatives that rented, pretty much everyone in my family did at some point and they are all glad to be out of it. Never had a nig tenant either, that's a given for trouble. Due to covid the tenants could literally have said fuck off when it comes to paying rent, luckly that didn't happen. But the stress of being in that situation...

Now is an amazing time to sell those properties too, what people are paying is mind-boggling.

[–] • 1 pt

I'm 37 no land development experience or real estate exp, what's the best way to begin learning about it?

[–] [deleted] • 0 pt

Read what you can I guess. But the way I learned was simply to buy a piece of land and start building. I have myriad building skills though. That being said, the Gubment restrictions on what you can do with "your" property have changed a lot since then. It's getting pretty bad. My current project (several lots in an old not yet hipsterized mining town) is moving along like tar in a snowstorm. I bought them one by one (A central key one was not for sale and had to track down the owner and make a cold call offer) and now own a nice sized piece though, and could probably sell them all off as one and double my money. A high roller real estate agent friend of mine just called me a week or so ago saying he had someone who would probably do just that, but I really want to put my plans in motion. We'll see. I may just take the profit.

[–] • 3 pts (edited )

Crypto is trash. Pure gambling. I went in after a dip with $2800 and the shit has dipped like 3 more times and I have $1600 left.

Gold and Silver? Meh. It's a scam. You get charged ridiculous premiums coming in and going out and then if you buy in bulk, you have to worry about where you will store it, but don't worry: the same creeps who sold it to you will gladly charge you to hold onto it for you, too.

Best thing, like someone else said, is land. If you don't have the patience for land, then buy flippers and if you cannot flip them, then deal with the headaches of renting them.

[–] • 1 pt

crypto is pure gambling

Crypto currency, especially bitcoin, follows the most predictable boom/bust pattern the world's ever seen. It's so easy to play you just don't know how the market works. Enjoy your 4.6% gains in traditional markets!

[–] • 0 pt

I’ll enjoy them more than my 45% crypto losses

[–] • 0 pt

You just bought the top. A smart person would learn hire the cycle and take advantage of the top buyers. You lost 45%. I made 3500% this cycle. All you have to do is the opposite of what you did.

[–] • 0 pt

You sold too soon.

[–] • 0 pt

What happens when governments crumble? You're just claiming you own some land.

[–] • 0 pt

....and you’re going ro purchase food and water with your 1’s and 0’s, right? Best of luck.

[–] • 0 pt

Au and Ag are not 1s and 0s.

[–] • 2 pts

Hard assets and material wealth. Get yourself solvent and wait for the 'real property' boon to bust... make sure you are liquid because interest rates will go back to a realistic 15-20%+ when the market bounces.

[–] • 2 pts

Fuck I wish I knew. Have money I avoided investing before since I thought it was overvalued house of cards due for a correction, then (((the fed))) printed a fuckton of cash to inflate my saving down to worthless.

My research has been pointing me towards commodities and REITs. That said, you probably want to invest in a house to avoid getting fucked on taxes.

[–] • 2 pts

I have been considering commodity investing but don't know of a way to do this without buying equity in producers or buying futures contracts.

I would like to avoid the COMEX as it is an actual scam used by bankers to steal money. I would consider private equity but i feel like thats just as risky as investing in the market.

[–] • 0 pt

Commodities are legalized gambling and the whales have super computers reading internal/private production output data that are running fractional trades, at a fraction of a second, day and night across several exchanges, making you entirely incapable of competing in that market.

Making real money as a solo-trader in commodities and currency markets has not been a thing since the 80's.

[–] • 2 pts

My objective wouldn't be to protect the money, but to use the money to protect myself and my family. I'd buy an easily defensible and somewhat isolated plot of wooden and arable land.

[–] • 1 pt (edited )

Risk zero doesn't exist, especially if you want to protect against "non sense" these days. "On a long enough timeline the survival rate for everyone drops to zero"

Ultimately it's like asking which bullet proof vest is best against a direct hit from a giant meteor

Gold can be confiscated, crypto can be outlawed, real estate market can collapse, paper currencies are exposed to .gov default and hyperinflation, and of course all that can (and will) go global just like pretty much anything these days. Talking about "non sense", Interest rates can also go negative. And that's without putting internet going down world wide on the table, see cyber polygon

The advantage of real estate is that at least you can live in it and grow food on it eventually, can't do that with gold, crypto, stocks, bonds, etc

Some secret jewish loophole...

Alright then, https://www.zerohedge.com/user/46345

JUL 18, 2021 1:07 HOSPITALS CHARGING ABSURD ‘TRAUMA’ FEES TO TREAT MINOR INJURIES It is the dream scam....

For all involved in Insurance, hospitals, doctors etc. For example.... I have the sh&t insurance that I have to pay for. $1300 a month for my wife and I. with a $13,000 deductible. (Please don't say you don't have to have it...if you have assets, you do). So I needed my shoulder replaced. It ran about $60,000. I paid my deductible of $13,000 and the rest was covered. My new titanium shoulder is great. But what people don't think about is the back side of all of this. If you did not have insurance, the bill would be higher, and they would come after you until you depleted your assets or went bankrupt. In my case, where the surgery money they collected was $13,000 yet $47,000 can be written off as a loss. This counters their income. Do you see how this works. Also...After I paid my $13,000 deductible, the doctors told me that I had to go to a special "Surgical Center" for my operation. It was gorgeous. That was an additional $28,000 for the room rental for 3 hours. This was covered since I had maxed my deductible. Guess who owns the "Surgical Center"? The SURGEONS....and the DOCTORS. So they can counter their income with massive losses...The entire system is a closed loop. I could keep going and going...

We are in the wrong business....

[–] • 0 pt

Yeah the medical industry is becoming an absolute shitshow. With a rise in the diversity hires and the lowering of standards to become a doctor the next 20 years will be a real treat.

And obviously im not looking for 0 risk. Just different strategies people deploy to protect capital during crazy times. Look at the fed's balance sheet or any publicly available free data on FRED. All the signs are pointing to a massive shitshow creeping around the corner.

Thanks for your response.

[–] • 0 pt

If the dollar goes boom, who's or what's insulated from the consequences/ripple effect?

Answer this one and you have your answer, because that's the 400 pounds gorilla starring at us

Personally I have no answer, it's so massive in terms of consequences, financially and geopolitically speaking (think of israel, for a start...), that, it's like the ripple effect of a giant meteor falling in the middle of the antlantic ocean

[–] • 1 pt

Buy more index funds. Yes, valuations are absurdly high from a fundamental analysis perspective. However, that's only if you incorrectly value them based on current earnings. You should value them based upon future earnings of inflated dollars. So long as money printer goes brrr, inflation goes brrr and equity prices go brrr. Do you think Biden and his rigger buddies are going to curb spending and tell the Fed to stop printing currency? Obviously not. Ergo, stocks will go to the flipping moon because the inflation train isnt going to stop.

[–] • 1 pt

Then all he has to do is beat the insider jews to sell to get any of his money back. Fucking genius.

[–] [deleted] • 1 pt

It's rough. Everything seems overvalued right now. If you aren't already maxing a Roth, HSA, and 401k that would probably be a good place to start. I know you said you don't want stocks but you could always go bond etfs, reits, idk... Probably the correct answer is a combination of all of those.

And CASH is definitely a position. If any of the bubbles end up bursting you could be in a really amazing position to scoop up undervalued stocks and real estate.

[–] • 1 pt

Eth is a going to $3k, but you need tax deferred investments.

[–] • 0 pt

From $4k past 3 back to nil. One junkie OD's and parties over.

[–] • 0 pt

I'm talking short term, three to six months. I'd sell at $3k.

[–] • 1 pt

Rental property. Get a run down four plex and turn it into condos.. then rent it out. If you ever need cash sell one or two.. or sell one or two or 3 and keep one as passive income and do the same thing again. Rinse and repeat. Being a small condo association the people own the rental property where you are renting your out usually.. if they rent later so be it.. because you owned it from its inception put no short term rentals in the condo association and make sure thry can't take over and change it.

Anyways I'm doing it as we speak it creates a lot of flexibility and passive income

Load more (26 replies)