Wade Pfau Shares Must‑Know Retirement Planning Essentials
Since we started “The Long View,” @WadePfau has been one of our favorite interviews. @AmyCArnott1 and I loved chatting with him about his essential “Retirement Planning Guidebook”and what retirees and pre-retirees should have on their radars today. https://t.co/eRuVonR5nn
Liquidity, Not Assets, Defines Real Wealth
You'd be amazed how many wealthy people that say they're rich do not have liquidity. Liquidity is defined by the ability at any moment to have liquid cash. You're not rich if it's all tied up in real estate. You're...
Direct Indexing Auto‑harvests Losses While Matching Market Returns
One of the best financial moves I've made recently was switching from investing in index funds to direct indexing Markets have been choppy, direct indexing has harvested a ton of losses for me on autopilot All while tracking the same performance as...
Stay‑at‑home Moms Need Tailored Retirement Planning, Not Assumptions
Mind you — she left work to raise their babies (1 & 3). No income. No plan for her old 401(k)… and her old financial advisor didn’t even set up a spousal IRA. No rollover or nothing. Jesus. So we got to...
Pick the Highest‑Yield ETF for Lifetime Income
Yearly dividend income with $1,000,000 invested: - QQQ: $4,800 - VOO: $11,800 - SCHD: $34,500 - JEPI: $84,500 - SPYI: $123,600 - QQQI: $148,000 If you could only buy 1 of these ETFs forever, which one are you buying?
Treat Your Savings Like a Cart: Transfer Funds Instantly
I know you got things saved in your cart, but do you have money saved in your HYSA?! When you buy something what you “saved”, set the transfer of that amount to your account.
Pay Off Debt when You Can; Enjoy Financial Peace
If you’re in a place financially where you can pay off the debt, just do it. If you hate having 0 payments, more margin, and financial peace … you can always go back.
Owning Beats Renting in All Top 50 U.S. Metros
This person says "most places rent is more expensive than a mortgage." Reality: It's more expensive to own than rent in 100% of the top 50 metro cities in America In my experience, American homeowners REFUSE to run a simple buy...
Low Fees Drive Better Returns: Why I Choose Vanguard
Many people ask why I love Vanguard funds: It's because they are cheap. Vanguard reduced expense ratios more than 2,000 times for their funds. Terrible charts, outdated app, but I don't care about that. I care about performance (low fees = better returns)
Delaying Retirement Often Beats Planned Timing, Study Shows
Why Retirement Timing May Deserve A Larger Role In Retirement Risk Analysis 🔻🔻 A two-year shift can move retirees into a different return environment. This can be understood by separating retirement timing risk into two components: cohort risk and pure...
Doctors Earn More Yet Feel Broke Due to Tax Ignorance
Physicians are expected to master complexity, but many finish training without anyone teaching them why a bigger paycheck can still feel financially tight. That is not a personal failure. It is a training gap. This episode of The Podcast by KevinMD gets at...
Start Investing Early: Time Is Your Wealth Engine
If you're in your 20s or 30s and want to become wealthy in your 40s, this is the best advice to put yourself ahead of 99% of people: First and foremost, start saving and investing as early as possible. I can't stress...
Refurbished iPhone 13 Minis: The Inflation‑Proof Investment
If you want an inflation-proof investment, fill a room with refurbished iPhone 13 minis. Apple will never make a reasonably-sized phone again, but the demand will always be there.
Sell Timing Matters as Much as Asset Choice
When it's time to rebalance, where you sell matters just as much as what you sell. https://t.co/WhFKGHqYb3
Prioritize the 4 Budget Walls in Tight Times
If you find yourself in a tight season financially, focus on covering what we call The 4 Walls of your budget first, before paying for anything else. Those 4 Walls are: 1. Food 2. Utilities 3. Shelter 4. Transportation
Boomers Leverage Lower Rates for Tax‑free Cash
This would be a better argument if boomers did not have the ability to pre-pay the mortgage and reset their interest rate Instead, every time rates went down, boomers could lever up and take more $$ (tax free) for consumption and...
Tax‑aware Timing Crucial when Bonus and Equity Vest Together
Stack a big bonus + equity vest in the same year and watch how fast taxes eat into decisions you didn’t plan. Most people aren't just asking about returns, they are asking about better tax-aware timing.
Invert Your Strategy: Avoid Mistakes, Grow Wealth
Want to improve your investing results? Learn Charlie Munger’s inversion thinking, focus on what to avoid, not just what to chase. This simple mental model can sharpen decision-making, reduce risk, and boost long-term wealth in the stock market.
Earn 11.5% Tax‑Deferred Returns, Regardless of Wealth
Your bank pays you almost nothing on your savings...on purpose. Because you're not rich enough to matter to them. STRC pays 11.5%. Tax-deferred. Whether you have $100 or $1 million. Strategy's CEO @phongle explains why this changes everything. Full show: https://t.co/dvwGZg40kM
Peel the Information Onion: Raw Filings Beat Noise
Most investors spend 90% of their time in the outer layer of the "information onion" and wonder why their returns are mediocre. If you want an edge, you have to peel the onion. Move past the rumors and social media noise...
Half Your Income, Index Funds, Retire Early
HOW TO RETIRE EARLY (way before age 65): Save & invest 50% of your income into index funds for 10-15 years. You can do it faster if you invest a greater percentage of your income. P.S. This is how I retired from the...
Keep Mortgage, Let Investments Outperform Costs
"I have a $190k mortgage at 3.25%. I also have $25k in savings and $175k in stocks. Should I pay off my mortgage?" I wouldn't. You'd owe capital gains tax, lose protection against inflation, potential tax benefits, and the opportunity cost is...
Maxing 401(k) 15 Years Yields Near‑Retirement Savings
If tou mqx out 401k for 15 years most people will have almost retirement money.
Start a Roth IRA Now, Millionaire by 50
How high school kids can set themselves up to be a millionaire. 1. Get a job 2. Open a Roth IRA 3. Start contributing $300/month By their mid 50's they'll have a 7 figure account.
Wealthy Investors Overpay for Underperforming Managers
96% of wealthy investors are confident their portfolio did well last year. 84% of their wealth managers actually underperformed. On a £5m portfolio, an underperformance gap of 3% costs £7.67m over 20 years. You're taking the risk. Someone else is...
His Position Sizing Defies Traditional Investing Rules
Derek Pilecki has compounded at 20%+ annualized over the past five years. In a recent conversation, he broke down his core position sizing rule... and it challenges one of investing's most repeated principles. Here's what he does differently.🧵
Free Education: Master Money Before Investing
The best investment you'll ever make costs ₦0; learning how money works before you put yours in.
Stop Analyzing, Start Investing: You Can't Time Markets
You can’t time a market you’ve never participated in. Stop reading articles and watching videos about when to buy. Just get started.
Real‑time Alerts Stopped a $60K Fraud for Cardi B
I was out here swiping my card, already knowing I was about to have to “figure it out” later… Scamming myself. But the SAME alert notification I use to keep myself in check now? That’s what helped Cardi B catch a $60K+ fraud...
US Real Estate for Fast Freedom, International for Lifestyle
If your goal is to quit your job in the next few years… Buy real estate in the US first. If your goal is to build a life somewhere specific… then international might make sense. Buying in the US is about...
Retirees: Watch Out for Social Security Scams
Social Security is a key part of many retirees’ financial plans. If that’s you, make sure you’re not overlooking a potential danger: scams. https://t.co/tfaNsH0Nih
Set Rules, Stop Reactive Trading for Real Gains
Being active with your investing strategy isn’t the same as being effective. It can be similar to rush hour traffic, as you switch lanes, the one you move from starts moving faster, and you don’t actually get to your destination...
Weigh Mortgage Payoff vs Investing for High‑income Doctor
You’re 47, Physician, Dallas. $700k income. Married, 3 kids. $2.5M retirement, $300k brokerage, $100k cash. $1.1M mortgage. $800k equity. Do you Aggressively pay down your mortgage OR Keep investing everything
Last‑Minute Tax Savings: Contribute IRA, HSA, Solo 401k
3 things you can *still* do to save money on your 2025 taxes if you haven’t filed yet: - Contribute to an IRA for 2025 - Contribute to an HSA for 2025 - Set up and make your 2025 Solo 401k contributions if...
Gift Business Shares to Cut Estate Tax Liability
Entrepreneurs whose businesses grow substantially over time can end up with an asset worth many millions of dollars, creating a potential 'problem' of exceeding the estate tax exemption amount. https://t.co/15oEYyCXLW In this guest post, Anna Pfaehler, CFP, AEP, a Partner and Wealth...
Simplify Debt Payoff with the Snowball Method
A lot of people stay stuck because they feel overwhelmed. The debt snowball breaks debt payoff into simple steps to help you keep moving forward.
Investing's Simple; Mastering Emotions During Market Swings Is Tough
Investing is the easy part. Controlling your emotions when your portfolio drops -20% and then bounces +30%... That's hard.
Daily Money Habits Build Long‑Term Savings Success
Financial transformations don’t happen overnight, but making a few smart money habits a part of your daily routine can help you reach your savings goals. https://t.co/WHyTeag1eo
Assessing Crypto ETFs, BTC’s Identity, and Quantum Risks
My conversation w/ @OspreyFunds' Managing Director @BillBirminghamm… We cover: -Rex-Osprey crypto ETFs -Crypto downturn since October -Btc = digital gold or tech stock? -Quantum threat to btc -Allocating to crypto in a portfolio https://t.co/APXj4t7hUu via @CryptoPrimePod https://t.co/WutKNs5Dnh
Globalize Your Portfolio Amid De‑globalization Trends
𝗚𝗹𝗼𝗯𝗮𝗹𝗶𝘇𝗶𝗻𝗴 𝗶𝗻 𝗔 𝗗𝗲𝗴𝗹𝗼𝗯𝗮𝗹𝗶𝘇𝗶𝗻𝗴 𝗪𝗼𝗿𝗹𝗱 🌍 "When the world is falling apart, your portfolio should be putting countries together. You should globalize your portfolio when the world is de globalizing." - Owen Lamont & Randolph Cohen https://t.co/zvS3rH5cbA
Tax‑Smart Strategies Outperform Pure Stock‑Picking Returns
If you are solely focused on generating better returns through stock picking and/or market timing, you are leaving a TON OF MONEY on the table. Get smarter about the many ways you can substantially improve your net, after-tax, total returns...
Bitcoin's 4‑Year Cycle Ends, New Bull Starts
The 4-year cycle is dead. #Bitcoin peaked in December '24 against Gold. It has bottomed last month against Gold. There's no point looking at the valuation of Bitcoin in Dollars, as the Dollar is getting worthless anyway. Comparing this with Gold makes sense,...
War Depreciates Money; Real Assets Outperform
"The one thing you can be quite sure of: if we went into some very major war, the value of money would go down. You’re going to be a lot better off owning productive assets over the next fifty years...
Earn $100k+? Paycheck‑to‑paycheck Means Endless Work
I don't want to scare you, but if you make $100k+ and live paycheck to paycheck... You'll probably work until you die. Let me explain:
Identify Good Real Estate, Not Just Cap Rates
// HOW TO HIT A HOME-RUN // A basic framework for finding deals that have the potential to be home-runs (3x+ return in 5 years or less) Most people think it's impossible but it's actually quite simple (but not easy) once you...
CEO Prioritizes Personal Bookkeeping Before Clients
CEO day ritual: I do my own bookkeeping first. Every week I review my books, categorize everything, and make sure my numbers actually reflect what's going on. Then I open YNAB and check the budget — business AND personal. Both have...
Compounding Wins: Prioritize Consistency Over Short‑Term Gambles
⭐️Once you understand the power of compounding, everything changes: - You stop chasing every move. - You stop forcing trades. - You stop letting emotions control your decisions. Small consistent wins are better than big stressful swings. Protect your capital. Let time do the heavy...
Don't Let Cash Sit—Opportunity Cost Costs You
If you’re tempted to keep your money in cash on the sidelines, consider the impact of opportunity cost, or the potential gains you miss out on when choosing one investment over another. https://t.co/FpZVau3NQD
Proper Asset Location Adds 0.30% After‑Tax Return
Vanguard's research showed that you could add 0.30% of annual after-tax returns simply by having a correct asset location strategy: - avoid bonds in brokerage. Keep them in retirement accounts - growth assets in Roth - efficient ETFs in brokerage - avoid REITs in...
Weekly Safety Checklist Guides New Buying Decisions
a weekly glance at our "Is It Safe for New Buying?" checklist... $TSX $QQQ $SPX $IWM https://t.co/yLHZnEqQGw