Wow, 20% is not much... How do people live off that? I assumed you build up expertise, commit a considerable amount of money, say 50k, and live off the trading by using your knowledge to mitigate risk and produce more-or-less stable returns? What do people live off if there's 20% return for the entire year?
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SEVERAL ways to do that\ avoid \
buying cons , buying bit cons, buying bit coins.
Actually easy to live off 11% abit less than SPY average of 12%.
Like Ardvark Trading/clearing said avoid ''bank loans''\ Paid for real estate or farm helps .
Shoot ducks for food like Paul tudor Jones;
avoid price spike$ even if its only $5.50 for 12 eggs.
Like in a cheap house/low taxes like Warren Buffet.
Dont whine about low taxes like W Buffet does; write note to widow woman Katherine G who ran Washington ComPost[ avoid a 4% pension plan full of bonds.]
Get 11% annualized or a bit more for pension plan.
Sell Washington ComPost, but dont give Mr Bozos the $2.4 Billion Buck Pension plan; but include $333 million + 50 million in Washington CompPost Pension Plan[Source Fortune MAGAzine] .Dave ramsey helps; Roth account/back door Roth. Sell bull cr*p like WMT in 50# bagsLOL/true. Or be polite ask your neighbor if you can clean out his barn for/ free horse cr*p.






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Help other people financially, like Mr Buffet; warn them crypto is ''rat poison''; make a cheaper BerkH stock eventually , even though resisted for years.
Rebuke anyone like W Mr Buffet did that promotes financial nonsense like ''asinine ESG of mr Fink '', BLK...........................
Aim @ more than 4% yearly, like Mr Buffet noted to the widow woman.
If you insist on cons or bit cons,[crypto cr*p]my banker dad did waste some money on the movie con ''The Sting''; but risked peanuts so to speak


Edit \we never wasted money again on that fun ''The Sting'' con movie .