Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

Best practical advice is try and stay off of here. Shits goes by slowly refreshing Superstonk 20xs a day.
Obv if you invested too much and are still DCA'ing, stop the DCA for a few months, to kinda 'even it out '.
If you need the money, you probably should never have put in, and absolutely need it sometime "soon"... soon meaning whatever that means to you here...m you could maybe determine the maximum you need to get out in Dollars$... and the time frame you need to get it out by... and then kinda divide it up.
Ex I need to supplement my house down payment. Ill need $10k and ill need it within 10mos. Just by defining those will help... from there you could set some $/share values, or tine based intervals. In the "house" example needing $10k:
-if GME hits $50/share, id be extremely happy and withdraw the full amount to get $10k cash
-if GME hits $40/share, ill take $5k out right then
You could mix in some time intervals. $10k ÷ 10mos = ill withdraw $1k on 1st of each month
Or maybe more frequent, to catch a DCA type effect. $500 every 2 weeks.... $250/wk
Like DCA'ing out.
Or what id do, set some hard numbers on both price/share withdrawals AND time based withdrawals. Setting some rules ahead can take the "analysis paralysis" symptoms away. Give you hard rules
If x or Z happens, I will Y
Im sure there are better ideas and you could ask chatgpt to give some examples of different variations

Eine Erbschaftssteuer alleine wird den Haushalt sicher nicht sanieren, ist aber langfristig unabdingbar für die Verteidigung der demokratischen Grundordnung. Man kann diese Akkumulationseffekte nicht einfach immer weiter laufen lassen weil sie langfristig das Leistungsprinzip außer Kraft setzen, man sieht es jetzt schon sehr plastisch an der Haltung der Gen Z die keine gute Perspektive hat sich mal was aufzubauen. Für den Haushalt wiederum macht das natürlich nur Sinn im Verbund mit der Besteuerung weiterer leistungsloser Einkommen, sprich hohe Vermögen, hohe Kapitalerträge, hohe Mieteinnahmen, sowie Finanztransaktionssteuer usw. Letztlich muss einfach alles umgesetzt werden was nicht großartig weh tut um umgekehrt Einkommen und Unternehmen zu entlasten. Oder um es anders zu formulieren: Leistung muss uns wichtiger sein als die Wünsche irgendwelcher Leute die fürs Nichtstun bezahlt werden.

FidelityJohn, thanks for the speedy reply. It's kind of funny because initially... I was going to call the home office direct, but the nature of a question about a 30+ year old account, might have kept me on "hold" for quite some time to research my question. So, I decided to ask in this sub-Reddit for discussion. And this worked great.
>Since you mentioned it being an older account, it may be what's known as a "Fidelity Funds" account. These accounts can typically be identified by having letters other than X, Y, or Z in the account number and can only invest in Fidelity mutual funds. They do not have a core position and instead operate by exchanging between different Fidelity mutual funds. Selling funds in these accounts would result in the proceeds being sent to the account owner as a distribution, instead of being deposited into a core account.
Thank you for the detailed explanation. Also, big thanks to u/[nkyguy1988](https://www.reddit.com/user/nkyguy1988/) for contributing to this conversation.
>Depending on your authority level with the account, you may also be able to request this transfer; however, keep in mind that to have authority on the new account, your spouse will need to go through the process to grant you authority for that account.
Good point. We'll kick this around and keep this in mind.

Good to see you around the sub today, u/3rdIQ.👋 While it looks like our community members already provided some insights for you, I'm happy to jump in here and assist.
Since you mentioned it being an older account, it may be what's known as a "Fidelity Funds" account. These accounts can typically be identified by having letters other than X, Y, or Z in the account number and can only invest in Fidelity mutual funds. They do not have a core position and instead operate by exchanging between different Fidelity mutual funds. Selling funds in these accounts would result in the proceeds being sent to the account owner as a distribution, instead of being deposited into a core account.
If your spouse prefers an account that operates similarly to our current brokerage account, they are welcome to open a new Traditional IRA online and then request to transfer the assets over. During the account opening process, your spouse will be able to select their desired core position for the new account. To transfer the assets to the new account, they'll need to contact us with the new account number to request that the assets be transferred in-kind between accounts. Depending on your authority level with the account, you may also be able to request this transfer; however, keep in mind that to have authority on the new account, your spouse will need to go through the process to grant you authority for that account.
I've included our contact information below, in case you need it. You can also reach out to us through Modmail, where we can connect under a secure setting to assist with the transfer.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
[Send us a Modmail](https://www.reddit.com/message/compose?to=/r/fidelityinvestments)
Please let us know if you have any questions about the process or anything else. We're always here and happy to help.

I always wondered about that, my fiancé barely knows what a stock is let alone anything about options. Also love the Dragon Ball Z reference.

>I have never seen a generation so keen on screwing itself.
Check out Gen Z Trumper men.

Looking at WOLF token before Byrrgis trading platform launches.
Doing research on cross-chain platforms in development.
Platform overview:
Byrrgis building multi-chain trading terminal.
Still in development, no fixed launch date.
Features:
Cross-chain trading across Solana Ethereum Base without manual bridging.
Token vetting with 3 stages before listing.
ETF style diversified packs.
Automated portfolio tools.
Non-custodial design.
EU VASP licensed.
Supply structure:
999,979,440 total supply.
Fair launch via Pump.Fun.
69% locked on Streamflow for 2 years then 40 month vesting.
Public verification on-chain.
No team allocation or presale.
Around 14.5M market cap currently.
Utility design:
Minimum 5% in every platform pack.
Platform includes WOLF automatically in all pack purchases.
Creates demand from platform usage not speculation.
Not just governance token.
Revenue model:
Platform charges 1.33% on packs and 0.8% on single trades.
20% of fees buy WOLF on open market.
Bought tokens held as reserves.
Monthly USDC distributions to holders above 20M WOLF.
Current state:
Token trading on DEX.
BitMart listing active.
CoinMarketCap tracking.
Platform not live yet so no organic utility demand,
Pure speculation on future platform.
After platform launches:
If platform gets users every pack purchase requires WOLF.
Creates constant buy pressure independent of speculation.
Buyback mechanism adds more demand.
Revenue share provides yield component.
Volume scenarios:
100 daily pack purchases creates X demand.
500 daily creates Y demand.
2000 daily creates Z demand.
Depends entirely on platform adoption.
Platform risks:
Launch could be delayed.
Might not attract users.
Technical issues could happen.
Established competition exists.
Execution risks:
Cross-chain routing is complex.
Vetting pipeline could slow growth.
Non-custodial has learning curve.
Regulatory uncertainty.
Token risks:
Utility only works with platform volume.
Low adoption means minimal demand.
Locked supply unlocks over time eventually.
Market conditions matter regardless.
Competition risks:
Jupiter and Photon established on Solana.
Traditional exchanges expanding altcoin offerings.
Others might copy the vetting model.
First mover advantage not guaranteed.
What indicates success:
Platform launches smoothly in reasonable timeframe.
User acquisition shows growth trajectory.
Pack volume generates meaningful WOLF demand.
Revenue distributions actually happen.
Additional exchange listings secured.
What indicates failure:
Platform launches but gets minimal users.
Technical problems prevent smooth operation.
Competitors capture market share faster.
Token utility never activates meaningfully.
Key metrics to watch before launch:
Development progress updates.
Beta testing feedback reports.
Partnership and marketing announcements.
Community growth rate.
After launch:
Daily active user count.
Pack purchase volume numbers.
WOLF buy pressure from pack allocations.
Revenue generated and distributed.
User retention rates over time.
Market opportunity assessment:
Cross-chain trading currently fragmented.
Users juggle multiple wallets and bridges manually.
Seamless multi-chain execution has real value if delivered.
Could capture meaningful market share with good UX.
Token vetting addresses real problem.
Rugpulls destroy retail trader confidence.
Institutional money wants verified assets.
Platform vetting could enable institutional participation.
Why this interests me as trade setup:
Embedded utility model creates demand from usage.
Not dependent on speculation or hype cycles.
Revenue share provides actual yield not just price appreciation.
Fair launch means no team dump risk hanging over it.
Locked supply constrains circulating amount.
Binary outcome structure makes risk/reward clear.
Either platform succeeds and utility activates creating demand.
Or platform fails and token goes to zero regardless of model.
Position sizing makes sense for high risk high reward.
Small allocation acceptable loss if fails.
Significant upside if platform delivers and gets adoption.
Information sources:
Platform details at byrrgis dot com.
Technical whitepaper available on site.
Streamflow lock verification is public.
Cyberscope audit completed.
BitMart listing confirms exchange validation.
My approach:
Not making price predictions.
Not claiming this will succeed.
Analyzing opportunity structure before platform launches.
Identifying key success and failure indicators.
Monitoring development progress for decision making.
Questions for discussion:
How do you evaluate pre-launch tokens where utility activates later?
What platform adoption numbers would make mandatory token inclusion model viable?
Is embedded utility demand better than optional staking for token value?
What metrics convince you platform will actually launch vs vaporware?
How do you size positions on binary outcome opportunities like this?
This is analysis not financial advice
High risk speculative opportunity
Do your own research always
What other pre-launch platforms are you watching?

Wenn du noch nie an der Börse unterwegs warst, würde ich erstmal mit einer kleineren Position testen, wie du mental mit den Kursschwankungen klarkommst.
Wäre blöd, wenn du jetzt 80k investierst und dann merkst, dass dir die nächste Kursdelle doch nicht am A... vorbei geht und du nervös mit Verlust verkaufst anstatt das - ggf. über 2-3 Jahre - einfach auszusitzen.
Depot bei der ING ist absolut in Ordnung.
Dann kann etwas Lektüre auch nicht schaden. Z.B. Morgan Houssel: 'Die Psychologie des Geldes' und Thomas Kehl und Mona Linke: 'Das einzige Buch das du über Finanzen lesen solltest'

You drive a manual or auto Z?

Yes these Gen Z will never know that people from a certain period have their own style of writing and communicating.
Maybe add this pointer to your prompt next time.

Wow, mit so einer langen Antwort habe ich nicht gerechnet :D
Klingt alles nachvollziehbar und plausibel, alles gut.
Ich denke bei solchen Fragen gerne vom Ende her.
Bei Berufsunfähigkeit ist für mich nicht die Frage ob sie eintritt. Es ist eine Frage der Zeit. Ab einem gewissen Alter ist sie garantiert. Z. Bsp. 70 oder 80.
Also stellt sich für mich die Frage wann der Zeitraum anfängt und aufhört, in dem der Versicherungsfall überhaupt relevant ist. Bis wann genau (und ab wann) ist dann aber schon komplett individuell. In der Rentenzeit für mich nicht mehr. Bei Frühverrentung auch schon beliebig früher. Und die Frage ab wann grenze ich auf Familiengründung oder Hauskauf ein, warum auch immer. Mag jemand anders auch ruhig völlig anders beurteilen.
Damit ist der Zeitraum für mich irgendwie auf minimal 7, maximal 25 Jahre eingegrenzt (strebe FIRE an, im Moment sie es noch nach 7 bis 15 weiteren Jahren Arbeit aus, je nach Markt). Das ist für mich so und gilt für niemanden anders. Bei jedem anderen kommt da was anderes raus.
Die Wahrscheinlichkeit, dass der Versicherungsfall eintritt muss auch jeder selbst abschätzen. Je älter man ist, desto höher die Wahrscheinlichkeit.
Das Sicherheitsbedürfnis ist individuell.
Und dann noch der Aspekt ob sich das selbst in einem Eintrittszenario finanziell überhaupt lohnt. Kann sich volle Kanne lohnen, oder aber auch gar nicht, je nach Fall. Prognostizierbar ist das nicht.
Woran es bei mir bisher scheitert (ich hätte gerne eine) ist die Angst vor dem Aufwand des Abschlusses. Speziell das vollständige Ausfüllen und Erbringen aller medizinischen Nachweise / Doktoren. Ich bin mehrfach umgezogen und habe verschiedene Ärzte gehabt. Ob die Praxen überhaupt noch offen oder die Ärzte vielleicht schon in Rente sind, weiß ich zum Beispiel nicht.

I’m Gen Z but I’m guessing many can’t afford to retire and are living longer since healthcare is better now.

I’m not sure people understand the state of things right now ,our money is almost worthless ,most Americans can’t afford basic necessities or a car repair or 1k bill . We’re at war with Iran and we’re pretty much at war with Venezuela ,war in Ukraine is still happening ,economy is in the shitter and the stock market is detached from the real economy,home ownership is now out of reach for 90% of Gen Z because inflation has pretty much outpaced their earnings . And our president won’t release the files of a child ex trafficking ring because him and other politicians and high net worth individuals are all on the list . And to top it all off metals are going parabolic because we’ve all pretty much lost faith in the dollar and metals are the only assets the average Joe can still get his hands on . You don’t need a black swan event we’re already cooked they just won’t say so on the news networks but everyone knows how cooked we are. The only people who haven’t pulled all their money out of the bank and the markets are just the bag holders who are going to get shafted when the house of cards comes toppling down and imo it’s already falling .

So basically the information 'usefulness' gets eroded?
Then how do someone make strategies?
Is it like if certain X,Y things occur price or volatility moves Z% (for example if Stock A fell down 5% stock B moved 2%)
Or is it exploiting statistical relationships?
Also where can I find ideas to build on?
Thank you!

Z.b. Medikamente oder generell alles wo man sich ein bisschen mit beschäftigt hat und dann schnell feststellt das Inhaltsstoffe gleich sind und nur der Marketing weg ein anderer.
Hängt aber auch davon ab ob man sich persönlich für das jeweilige Produkt interessiert, wer will sich schon 2 Wochen mit Leder beschäftigen um beim Kauf einer Couch dann 200 zu sparen? Das sind halt Sachen wo ich persönlich sag, da hab ich kein Bock drauf und ich gönn mir den Luxus es einfach zu kaufe ohne mich damit zu beschäftigen.
Generell hängt das bei Produkten halt auch immer von Verwendungszweck und der Zeit ab die du planst.
Ich würde halt z.b. niemals ne 30k Küche kaufen die 20 Jahre hält weil ich in 5 Jahren wahrscheinlich keinen Bock mehr drauf hab oder mir was anderes gefällt.
Hab ich bei mir selbst bemerkt das ich vieles mittlerweile günstiger kaufe und dafür öfter ersetze sobald es nicht 100% zu meinen Interessen zählt

I taught math.
Inference =/= substitution.
Statistical inference only works if your training data is representative of the population you’re inferring about. If Google’s data under-represents Gen Z / Gen Alpha inference can’t magically recover what isn’t there.
Gen Z is not using Gemini, they are using ChatGPT and Copilot (usually when GPT is blocked because it's built into Microsoft apps) or very obscure AIs.
They definitely aren't using Google Maps and many use their school email. Though I have seen some Gmail for seniors (mainly for college apps).
However I will grant you Chrome, because many school districts use Chromebooks. However I'm curious if any data is logged in the school system, I doubt it due to the vast privacy policies.
Kids are literally being made fun of for using non Apple products.
I could be wrong about Google having under represented data which would invalidate my point. I don't know, just observations from teaching.
But I'm not wrong about statistical inference. It's not a direct substitute.

Z?

Das ist die Versicherung bei es extrem einfach ist für den Versicherer zig Gründe herbeizu zaubern warum man nicht zahlen muss. Zwei Beispiele. Z.B. hat meine Frau eine Bekannte aus dem Einzelhandel. Bandscheiben Vorfall. bandscheiben OP. Probleme mit den Füßen weswegen sie schon mal ein Jahr lang ausgefallen ist. Psychische Probleme auch noch gehabt. Ach ja. Herzprobleme ebenfalls. Die BU zahlt erst wenn du im Koma liegst. Anderer Bekannter. Koch. Ich zähle jetzt hier keine Liste auf, was er alles hat aber das würde so ziemlich alles sprengen. Kann eigentlich nicht mehr gehen und nicht stehen. Akute Blutdruck und Herzprobleme und und und. Humpelt auch nur. BU sagte nö. Rausgeschmissenes Geld.
Ach ja... Ich kenne da noch einen Fall aber der ist so spezifisch, das ich da nicht weiter beschreiben möchte. Wegen Psyche kannst du die BU übrigens streichen. Meine Frau arbeitet in einen Bereich in dem alle Dauer Burnout und Psyche (verständlich bei der psychischen Belastung) haben und vergiss die BU hier.

Bold of you to think social security will exist for millennials or Gen Z.

When I was a teacher most kids used iPhones. Their Gen Z and Gen Alpha data is likely far superior to Google.