How Big is Your PA?
I'm just generally curious how big everyone's PA is and if mine is bigger?
Me: 30, $600K (mostly tech and SPY)
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27 - ~400k (mix of individual but needs more tech and financials)
What financials?
Maybe JPM/GS/WF. Could use some insurance as well.
How did you get rich? What job do you have? How much do you make?
Accidentally replied all at once above
Relax bub
Wtf was the point of putting “if mine is bigger” besides sucking your own dick?
You basically answered my question by admitting you haven't even set up a PA yet.
HAHA were richer than you
24: ~$60k (100% MMF, contemplating waiting for a dip or dollar cost averaging into SPX ETF and 10-15 individual names)
Wish it was bigger but paid off all my student loans this past year so I guess that counts for something
my sincere condolences
Lol what? The dude is debt-free and building wealth as a 24 year old. Just because he didn't start out with a $5mm trust fund doesn't mean he did anything wrong
I’d honestly say this pretty average (maybe slightly below) compared to a lot of the kids in my analyst class. You have to consider selection bias and that many people use threads like this to boast or for validation. Contrary to what you may read on WSO, there are many kids who come from working class backgrounds who are paying off student loans or maybe just don’t save that much in general. How much do you really expect a kid with a year of experience to have saved excluding any outside inflows of capital?
How do you have $60k saved at 24 with having paid off your loans..?
$25k stub last year which I put all of in my PA. Just got my first full bonus of $65k which I also put all of in the PA. Paid off about $35k of loans in 2020 so that plus rent and living expenses was most of my base salary. Threw a few more thousand into the PA recently to bring it up to $60k
What is MMF?
Money Market fund - cash equivalent
Money market fund, cash basically
The Devil’s threesome - avoid it at all costs.
What in the fuck, analyst 1 with 600k PA? Am I the only person on the site who didn’t have a wealthy family jfc I am slightly jelly
Sometimes I think about what it would be like to not have poor parents, but what can you really do. There has to be something to be said about the kids who come from normal backgrounds and grind this shit out and still make it. I feel like that makes you have an appreciation for wealth preservation and growth that some people just won't understand
Such a huge positive if you have wealthy parents. My bud was given a $1ml apartment as a grad gift a few years ago. He pays 0 rent and rents out the other room at a subsidized rate of 1200 to his friend (but could easily be 1800-2000 if he wants which he'll probably do once his friend moves out). Even if he moves to a diff city, he can make a cool 4k per month pre-expenses leasing it out w/ the 1ml starting net worth. Puts him a good 10yrs ahead of the rest of us right out of the gate (not to mention the rest of the inheritance he will one day receive)
I'm a middle / upper middle class guy and I will absolutely grow & preserve wealth to do something similar for my kids to put them a decade ahead of most of their peers. Fortunately looks like I'll be inheriting a good sum of money as welI which should aid with that. Incredible advantage
I'm not a first year I need to update that. I'm 30
I'm sorry but what does PA stand for? Personal account? Obviously with context its a savings/stock account but what does PA stand for? I've tried googling it in every way and the only things that come up is Pennsylvania.
Personal account
Physician's Assistant
Thanks man, I was thinking that it was weird that they were talking about how big my physician's assistant was in terms of dollars rather than weight but just needed the confirmation that I was right.
i don't know why i loled at this. it's personal account
~1.8M. Half VOO, 1/4 VGT, 1/4 consumer discretionary stocks.
How large is your cock?
Wowww how old are you? What are you buying this year?
25 and nothing special in terms of what I plan on buying. Just more VOO. I'm not an expert investor, most of it is dividends from 2 of my businesses.
25, ~$800k between GME, BB, PLTR, and PSTH.
Dope
Buy GME🚀🚀🚀
To the fucking moon 🚀🚀🚀🌚 🌝
I'm making so much money I feel like Jordan fucking Belfort 🚀🚀🚀
33, $2.4MM. $500K in life insurance, $1.1MM in Chinese solar and EV stocks/options, $800K in savings.
why so much in chinese solar and EV lol? now still a good buying opportunity?
About 3 years ago my friends and family started talking about the Chinese government making big moves on the EV and solar sector. When the Chinese government is backing something, it will get big. So I basically gambled and put 90% of my savings into a select few of solar and EV stocks and added more over the years. Got a 15x.
Still runway for more growth and that's why I still have a big chunk of the money in them, but I would set your expectations lower.
Mind me asking how you've made so much money in about 10 years out of college? Pretty impressive, congrats
Pay was mediocre by WSO standards. Gambled big on stocks/options in the past 3 years and got a 15 fold.
Excuse my ignorance, but what does $500k in life insurance mean?
It just means if he dies his family gets $500K. You pay monthly premiums for it.
About $700k but have $100k in student loans.
I have no idea what i'm doing with my own money though, so I'm going to put it all into the fund I work in (no fees at least).
Hope you don’t work at Melvin :)
How do you work at a HF and not know what to do with your money?
On a related topic about student loans: does it make sense to just pay interest and minimal principal, and put bulk of your savings towards investments rather than paying down loans? Some banks can refinance your student loans at 3% or so, which you should be able to beat on average over the long-term with your PA
Yes if the debt is low interest, like 3% or less, then it makes sense to make minimum payments and invest the rest. If the interest is 4-5% its more of a grey area and depends on your risk tolerance, outlook on inflation, etc... 7%+ you should just pay down the debt.
26 (and a half)
400k across several accounts including a 20% cash
Mainly commodities exposure atm, including cannabis
33, 2.3MM
How do you go to sleep knowing that some people might not even have food on the table for dinner tonight?
#taxtherich
I go to sleep at night with anxiety about how I'm going to turn 2.3 into 10. Once that's done, it'll be smooth sailing.
You are on the wrong site if you’re asking that
My PA is $10K. It sounds low, but I'm so grateful for what I have. A few days ago I had far less, but GME tripled my pa
Being grateful is good. It makes for perspective.
Yeah here I was thinking I was doing well with $30K at 24. Guess not.
the one at my previous internship was not that fat tbh but she's pretty mean she would throw things at me
Is everyone on WSO invested in GME?
28, like $50k in a dedicated personal account but I've been aggressive contributing to retirement accounts. Can't tell if I regret that yet.
29, ~600k. I took some calculated risks on SPAC warrants in 2020 and made 3-5x on each trade. and cashed out into SPY/big tech. I never had a warrant position larger than $5k because of paranoia (missed the monster gains but at least I slept well at night).
About 6 inches. When I use a ring and the pill, I can get it up to about 7.
~$30K unadjusted savings at 25. Equating to $600K adjusted using a 20x Exaggeration Multiple in accordance with the average of comps for other 20 year olds in this thread.
You’re an IB associate - what did you do with your analyst bonuses? Student loans?
I spent two years in Corp banking and haven't yet gotten a full-year Associate bonus yet. I did have $50K at one point but had to drop $20K for a new car for my pops because when I was young I crashed his car driving recklessly and felt like I needed to pay him back for the lawyer fees and new car expenses. Excited to really start banking some coin now that I'm in the big boy bracket!
lollll
26 and have 32K in 401K, 15K in cash and 2K in investments. Not sure why not everyone’s numbers are so high but definitely not normal
Haha same this thread makes me feel so poor. I am 28 with about $35k in my 401k and $20k in cash/index funds, and usually have about $1k in my checking at all times.
I do have vested promote interests in multiple real estate deals through my company (probably totaling to about $100k if we hit underwriting), but that wont be paid out until a few years from now.
I think the vast majority of people have similar savings to you. This is just a thread for those with big PAs to brag.
survivorship bias. why would a majority of people post their PA if it's small relative to the rest?
several users have less than you and several have more than you. your self worth is not your net worth.
I've seen wealth get created firsthand. if you have good habits over a long enough period of time, you will be financially independent, whatever the number happens to be.
TLDR - don't fret
in all seriousness, good on y'all for building wealth early, you're off to a great start, keep it going
What are some of the good habits that you've seen over your career for (1) accumulating wealth, (2) preserving wealth, and (3) growing wealth?
For those with large PAs, what brokerages do you recommend/prefer?
OP here. I use Merrill edge
JPM PB
Interactive brokers is the way to go
I have over a million in Robinhood but I'm autistic so 🚀
Pictures?
This aged well
How much do you have now bish
HOW THE FUCK DO I INVEST IN THIS MARKET? There's literally nowhere else to get return aside from tech.
What happens to the rally when rates rise / QE eases ?????
This market sucks. I'm just going to keep buying SPY
Kilos of Gold scattered in Bozeman, MT.
Why bozeman?
23 - first year: 70k actively managed
31. ~$850K mixed in a lot of stuff. Some BREIT, some private equity, have about $100K in cash. No debt.
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