[argv_empty]

Can you afford buying Apple stock and hope to make $500 a month with the stock is already so high?

Why do you bring up the straw man of buying individual stocks? Trying to get clever about picking stocks and when to buy/sell is directly contrary to the course's advice. Nobody but you seems to be recommending a non-diversified approach here, and you seem to hold some strange ideas as to the historic performance of various asset classes.

[yeukhon]

Portfolio only buy a small amount of shares which have low return. Try buy some from Stash which offers a basic way to invest in stocks. You certainly are welcome to invest in the high risk portfolio, but it's so risky you are likely to lose over time if one of them crashes.

If my ideas are strange, no one lives in a house. We'd all be living on the street, because why would anyone bother to buy a house and rent to people? Look at New Zealand which recently bans foreigner investing in new properties, because they are rising property price, knowing people need a place to live. Why does university have campus housing? Because university can make income.

The point is, a land is worth more than a stock. Your mortgage market can fail, but the potential sell of a land is guarantee to be high after the crash. Don't buy a house if you cannot afford it yet.

Older generation knows how to make money, yet, new generations like so many here are clueless.