$150,000 INVESTED IS A MAGIC NUMBER, BUT PEOPLE HAD QUESTIONS

Yesterday I made a video saying that if you can manage to have $150,000 invested in a broad market S&P 500 index fund, you never have to invest again. Keyword is have to. Because you, you should still have to. I have to. I have a lot of questions on that video. Despite saying right here, S&P 500 index fund, I was asked dozens of times, invest in what? Invest in what? Invest in what? Invest in what? 10%??? This guy doesn't know that the average annual return on S&P 500 is 10%. Adjust it for inflation, which I also accounted for in the video. I said adjusting for inflation, 7%. For inflation, 7%. People don't pay attention. You are not considering taxes. One person said, you are not considering taxes. And that's correct. I wasn't. I'm assuming that going to be investing for their retirement, tax sheltered retirement accounts, like a Roth or 401k. But yes, if you invest retirement account, like in an individual account, profits, you will be taxed. SPYM, State Street SPDR Portfolio S&P 500 ETF, $90.13, 0.35 (+0.39%), NYSEARCA | $USD, 7:58 PM, 08/21/26, $90.43 +0.30 (+0.33%), Momentum, All, Ratings, News, Related. The reason investors and P 500 as their benchmark for long-term investing is because one, about 500 of the largest companies in the United States, and two, it has almost a centuries worth of data to back it up. So when people say the market returns 10%, they are talking about P 500, whether it's SPYM, SPY, they're all the same. If you have 75k in two accounts would that not compound in the same rate as 150k in one accountv. Reply. Hide. Another person asked, 75,000 in two accounts, would that not compound in the same rate as 150,000 in one account? I don't know because you didn't tell me what you're investing in. Maybe it's 75,000 five hundred and 75,000 in penny stocks. Would be no. Even if you invest in dividend funds? Reply. Hide. Another guy asked, true even if a dividend and fund. SCHD, Schwab US Dividend Equity ETF, $35.11, 0.28 (+0.80%), NYSEARCA | $USD, 7:59 PM, 08/21/26, $35.21 +0.10 (+0.28%), Momentum, All, Summary, Ratings, News, Related. Price moves in SCHD. 10Y, MAX, +255.30%. Answer would be no. What if it's FTEC, Fidelity MSCI Information Technology Index ETF, $282.62, 0.27 (+0.10%), NYSEARCA | $USD, 7:59 PM, 08/21/26, $282.35 +0.10 (+0.10%), Momentum, All, Summary, Ratings, News, Related. Price moves in FTEC. 10Y, MAX, +60.77%. 75,000 in an SNP, 75,000 in a. Well then maybe. Yes, 75,000 in and 75,000 in CDs? No. 75,000 in the and 75,000 in bonds? No. 75,000 in the and 75,000 in cash in a account? No. 150k in net worth or in a single account? Reply. Hide. Another person asked, 150k net worth or in a single account. The account doesn't $150,000 in penny stocks and not achieve that result. $150,000 magic number. Investing as $150,000 compounding and the of wealth. 500 index fund, everything changes. 500 index fund and not $150,000 in your net worth. Because your net worth is all the assets you own. So it could be $50,000 in an S and and then $100,000 in whatever else you have. Maybe it's fancy watches, maybe it's your old Toyota, maybe it's your computer. Do not appreciate an average annualized return of 10%. And S&P 500 index fund does that. Does this include your 401k in the $150k? Reply. Hide. Does this include the 401k in that hundred and fifty thousand? Is again, maybe. Is again, maybe. I don't know. Say what's in one K. But if it's a broad market 500 index fund, you know the answer.