9:44 PM | 0 Cloud(s)

How I made money quickly in the US~~Oct 20, 2024

How I Made Money Quickly While Living With My Parents

When I lived with my parents in America, I unintentionally stumbled upon a lifestyle that felt like the ultimate partnership—better, in some ways, than a traditional marriage. My dad worked hard outside the home, my mom helped with my daughter, and I kept the household running smoothly by cooking meals and cleaning daily.

But what made this arrangement extraordinary was my ability to trade stocks as a day trader. I wasn’t just a homemaker—I was building wealth from the comfort of home. Or sometimes even from bed.

---

A Typical Day :

Every morning, I started my day by waking up early to trade pre-market stocks for about an hour. My strategy was simple but effective—I focused on small, safe gains. For instance, a 3% increase on a $10,000 trade would earn me $300. Sometimes, if a stock performed better than expected, I’d sell at a 10% increase, which meant $1,000 in profit from just one trade.

After trading, I’d go back to sleep for a bit, knowing I had already made money for the day. By 9 AM, I’d begin our family routine. I’d whip up healthy protein smoothies for my dad, mom, and Moemi before my dad left for work. Some mornings, I went all out, making pancakes, bacon, and grits for breakfast in bed. Once breakfast was done, I spent the rest of the day cleaning and keeping the household in order while my mom helped watch Moemi.

While trading was a big part of my routine, I was limited by the Pattern Day Trader (PDT) rule, which restricts accounts under $25,000 from making more than three day trades in five business days. Because of this, I typically made just one trade per day to stay within the rules.

If I had managed to grow my account to $25,000, I could have bypassed the PDT rule entirely, trading multiple times in a day as long as I had enough margin. With a 4:1 margin ratio, I would have had $100,000 in buying power, even though only $25,000 of it was my actual money. Imagine trading $10,000 at a time, earning a 3% increase, and repeating this 10 times in one day. That’s $3,000 in profit—all safely made.

And I say safely because, as you can see, I wouldn’t have been trading with my entire account size—just $10,000 at a time. However, for argument's sake, if I did trade with the entire $25,000 (which I don’t recommend), a 3% increase would have netted me $750 per trade. And if I repeated that trade 10 times in a single day, I could have made an astounding $7,500 in one day.

I got so close to that $25,000 milestone, but I made the decision to move to Japan before reaching it. Looking back, I sometimes wonder how much easier life might have been if I had waited just a little longer to hit that threshold.

But because i'm an impatient butthead...

---

The Move to Japan: A Financial Reality Check

When I moved to Japan, the financial freedom I had built quickly unraveled. The transition was expensive and stressful:

1. Visa and Legal Fees: I had to hire a lawyer for my daughter’s Japanese nationality and another for my long-term residency visa.

2. Temporary Housing Costs: Without a visa, I couldn’t rent an apartment. Hotels and Airbnb became my only options, but it was high season, and prices skyrocketed. 

3. Food Expenses: With no kitchen in many of these accommodations, I ate out for every meal, which added up fast.

After four months of waiting for my visa, hopping between hotels, and dealing with legal fees, I had to liquidate almost my entire stock account to cover costs.

---

Why Building Wealth Is Harder Now

As a single mom in Japan, I now face unique challenges:

High Rent: My current apartment is expensive, but no one else will rent to me because I’m a foreigner, I have a child, and I don’t have a traditional job.

Childcare Catch-22: I can’t get a job without daycare, but I can’t get daycare without a job.

Living Expenses: Rent, bills, and childcare fees eat into any money I make.

Rebuilding my stock account feels daunting, but I know that if I can hit $10,000 again, I could easily grow it back through safe, consistent trading.

---

Reflections on Marriage and Partnerships

My experience living with my parents taught me the value of partnerships. By working together, we created an environment where I could focus on trading and growing my wealth. It reinforced my belief in the benefits of shared responsibilities, though I’ve never been drawn to the idea of marriage with a stranger.

I love my freedom too much. 

Plus...I would need my own room and space!

That said, if I were to truly fall in love with someone, or if I found a nice, healthy arrangement—similar to a lavender marriage—that could benefit everyone involved, I might consider it. A partnership built on mutual respect, shared goals, and practical benefits could make life more manageable and even enjoyable for everyone!🤸🏽‍♀️

---

Final Thoughts

Living with my parents allowed me to build wealth quickly and safely. Now, living on my own, I see just how much harder it is to thrive without that support system. I’m still trading and making enough to get by, but I’m waiting for my next big break—one that will allow me to grow my account and find the financial stability I once had.

(⁠^⁠.⁠_⁠.⁠^⁠)⁠ﾉ