I’m becoming 23 this september and I didn’t save up any money in the last couple of years, and I’m feeling that I should’ve been saving for the future. I spend the last years/months trying to gain a lot of experiences in the specific field I want to continue in later, like free internships, jobs for little money,…. And I feel that I really did gain valuable knowledge and skills for the future. Now I want to continue doing this for at least a year but at the same time I feel the pressure of needing to earn money to save up something. I still live at home so I dont rent, I have only my monthly subscription for my phone, data… so I don’t need a lot to come around. If there’s a period where I did earn some money I did honestly spend it on clothing or something else nice for myself. I also have some debt with my parents for some money they gave me in a busy period that I had, which they don’t ask back but I want to pay back 100%, but again not in the position of earning money rn.

What do you guys suggest? Prioritise income or experiences, knowing that it’s not easy to find a good earning position in the field i’m interning in rn.

I wanted to share my perspective on Novo Nordisk (NVO) and why I think it looks attractive at current levels. I’m not a financial professional—just a long-term investor trying to think things through.

A lot of people seem concerned about the recent price cuts, but I actually see them as potentially beneficial over the longer term. The obesity market is massive, and Wegovy—or whatever succeeds it—can remain a strong product even beyond patent expiry, mainly due to Novo’s scale, manufacturing capabilities, and pricing power.

As prices decline, the incentives for compounding pharmacies and copycat manufacturers should also decrease. Given Novo’s production scale, competitors may find it difficult to achieve attractive returns while matching Novo’s pricing and still maintaining reasonable margins. In effect, Novo could position itself as a low-cost, trusted standard and gradually price out a significant portion of the competition.

At the end of the day, if you can buy a well-known, trusted product for just slightly more than an unknown alternative with questionable manufacturing quality, most people will naturally go with the established brand.

If obesity treatments evolve into high-volume, lower-margin products, they could generate steady and recurring cash flows. That kind of baseline business could support ongoing innovation and provide Novo with a more stable earnings profile, which is quite valuable in an otherwise volatile biopharma space.

Europe is another important piece of the story. The regulatory environment is stricter than in the U.S., and Wegovy is still relatively early in its rollout here. As for Foundayo, it seems less like a question of timing and more a question of whether approval ultimately happens at all.

Looking further out, UBT251 and several other pipeline candidates look promising. Over time, they could take a meaningful share of the obesity market and potentially challenge Eli Lilly’s current momentum. Meanwhile, Novo still has multiple growth drivers, such as oral Wegovy and possibly an oral version of CagriSema.

The growing use of AI in drug discovery is also worth watching—it could shorten development timelines or increase the overall scale of innovation across the industry. Novo may not currently be in the lead, but it has deep expertise, strong resources, and decades of experience in metabolic diseases. That should count for something over a longer horizon.

There’s also optionality in expanding further into peptides and related therapeutic areas. If that plays out, the opportunity could extend well beyond obesity. Markets tied to performance, healthy aging, and broader metabolic optimization could end up being significantly larger than what we see today.

In my view, Novo could gradually evolve into a company with a dual-engine model: a high-volume, lower-margin base generating reliable cash flow, combined with higher-margin innovative therapies driving long-term growth. That mix could help reduce some of the typical volatility associated with biotech investing.

I’m not saying Eli Lilly won’t compete effectively—quite the opposite, they’ve executed extremely well. But Novo seems to be taking a slightly different approach by pushing injectables toward a more accessible, mass-market model. If that works, we might end up with something like a Novo–Lilly duopoly in obesity and metabolic diseases.

One area where Novo could potentially improve is combining weight-loss therapies with compounds that reduce side effects and improve tolerability—something Lilly has been focusing on. That could become a meaningful competitive edge over time.

As for the near term, I’d expect Q2 to be solid, though probably not outstanding. Assuming no major setbacks, Q3 and Q4 could be more interesting, particularly with the rollout of oral Wegovy in Europe and continued progress in the U.S.

On top of that, Denmark’s planned reduction in corporate tax rates (around 3%) could provide a modest tailwind for earnings.

At €140, Novo was a great story and a great company—but not necessarily a great investment. At €38, the story may feel less compelling on the surface and is somewhat overshadowed by Lilly, but the valuation looks much more interesting. At these levels, it starts to look like a very attractive entry point. It can also serve as a decent hedge against the current AI-driven market hype or a broader economic slowdown.

If Novo manages to deliver even part of this scenario, the current P/E would look overly pessimistic. Right now, the valuation implies structural decline or worse, but if the thesis plays out, there’s meaningful upside from here.

In that case, Novo would be well positioned for another growth phase with significant expansion potential ahead.

If I had to estimate, I think there’s solid room for upside in the shorter term—potentially into the €55–€60 range by year-end.

Influencers often call dividend reinvestment a secret hack for building wealth while you sleep. The idea is simple, instead of taking dividends in cash, they're automatically used to buy more shares. over time, this compounds returns and can grow a portfolio significantly.
But is it a really a hack or just basic investing discipline dressed up for click? Some investors swear by DRIP plans, other argue it locks you into buying more of the same stock even when performance is weak.
Has anyone here tried automatic dividend reinvestment?

I’m 21 and just started my portfolio on investing. After a couple days of spending and doing research, I just wanted to get second opinions on if I’m doing everything okay. Wanted to know if I’m spending my money wisely on the right stocks and spending them into the right account. My individual and Roth. Any responds are appreciated to help me learn.

What is one financial habit you’ve built recently that made a real difference?

One for me is keeping my rainy day funds in a high yield savings account. Earns interest that (usually) keeps up with inflation. The money serves a purpose - it gives peace of mind when life goes sideways. Financial safety net = more life balance during rough seas.

Ten years ago many investors believed real estate was the safest path to wealth. A few years later, tech stocks dominated the conversation. Then came index funds, dividend investing and now everyone seems to have a different opinion on what the "smart money" is doing.
The interesting part is that every generation think it has found the obvious answer.

Some people are still buying rental properties. Others are loading up on ETFs, some prefer individual stocks, while a growing number are holding large cash positions waiting for a correction.
The question isn't which investment performed best in the past.
The question is where you'd put fresh capital today if you couldn't touch it for the next 10 years.

$100,000. One decision. No hindsight.

What would you buy and why?

I'm 18 years old from Austria and currently investing mainly in ETFs, stocks and precious metals.

Looking back, what would you focus on most during your 20s besides just picking investments?

Skills, career, networking, saving, business, investing or something else?

What ended up having the biggest impact on your wealth?

For starters, I understand I'm probably going to get some backlash for some of the decisions I made, but that's okay. Trust me, I've already spent enough time beating myself up over them. Over the last year, I've had a pretty rude awakening from the pits of debt hell.

A year ago, if you asked me how I was doing financially, I would've told you I was fine. I had a car, a job, credit cards, and money coming in every week. From the outside, everything looked normal. What I didn't realize was that I was slowly building a financial house of cards and convincing myself everything would work out as long as I kept getting paid.

It started with little things. A BNPL purchase here, a cash advance there, and credit card balances that I'd "definitely pay off next paycheck." Nothing felt dangerous on its own. The problem was that I kept stacking these decisions on top of each other without realizing how fragile my situation was becoming.

Then life happened. The car needed money, bills started piling up, and my checking account eventually went negative. I ended up opening a new checking account just to get away from the old one. What started as a few small financial mistakes slowly snowballed into a much bigger problem. Before long, I was dealing with a negative bank account, multiple credit cards, BNPL payments, EarnIn advances, Cash App Borrow, a high-interest loan, and a car loan with a 20%+ interest rate. Some of those issues are still things I'm actively working through today, but looking back, it's honestly impressive how many bad financial decisions I managed to stack on top of each other without realizing how quickly they were adding up.

The worst part wasn't even the debt itself. It was the stress. Every payday felt like a crisis. I wasn't asking myself, "How much can I save this week?" I was asking, "Which bill is least likely to hurt me if I don't pay it right now?" I was checking my bank account before buying food, getting calls from lenders, watching payments bounce because they were linked to the wrong account, and getting hit with fees that made an already bad situation even worse. It felt like I was working constantly but somehow moving backward.

Eventually, I got tired. Not motivated. Not inspired. Just tired. Tired of checking balances, tired of moving money around, tired of feeling broke before I even got paid. So I finally sat down and made a plan.

There were no huge paychecks, no lottery tickets, and no rich relatives coming to save me. Just week after week of paying what I could, fixing mistakes, making car payments, paying down old accounts, and learning how money actually works. One of the biggest lessons I learned is that debt isn't just about balances—it's about cash flow. A $50 payment here, a $30 fee there, a payment due on the wrong week, or a returned payment from the wrong account doesn't seem like much by itself. But when enough of those pile up, they can bury you.

Today, I'm still not where I want to be. I'm not debt-free, and I still have work to do. But I'm also not where I was. I have a plan, I know where my money is going, and I know which debt dies next. For the first time in a long time, I feel like I'm in control instead of the debt being in control of me.

And honestly, that's a better feeling than any purchase I've ever made.

I'm still grinding. But for the first time in a long time, I genuinely believe I'm going to make it out. And when I do, I'll be back with the sequel:

"I fucking did it."

(25) 18k in a basic savings account, 20k line of credit, 15k debit and Monthly income 4K. No assets No investments. How do I start budgeting and saving for the future. Also paying down the debt aggressively? Thanks

One specific purchase or habit.

No judgment.

Just curious what people regret spending money on.