Start Saving Early: Mistakes Pay Off Later
If I had a time machine, I'd tell my younger self that most mistakes are worth making. Except not saving aggressively for retirement while in your 20s. Compound interest is much more fun when you're an old guy who saved when he was young.
Negotiate Discounts to Fund Your Twitter Subscription
Here's how you can get a (basically) free subscription to my Twitter: Call your cable/Internet or car insurance company. Tell them you're leaving if they don't give you a discount on your monthly price. (I just did this and saved a...
Diversification: Safety Net, Not Blindfold, When You Know
Graham didn't say diversification was bad. He said it was the price you pay for not knowing what you're doing. There's a difference between a safety net and a blindfold. Most portfolios are the second thing dressed up as the first.
Start Investing Now: Time Beats Market Timing Every Time
The math is simple: time in the market beats timing the market every single time. If you’re 37 today and want to hit $2.5M by 65, you need about $140,000 invested right now... assuming a 10.5% annual return (the S&P 500...
Teach Heirs to Earn, Not Just Inherit Wealth
I've seen too many trust fund kids waste their family's wealth. Family constitutions are more than just paperwork - they're a plan to ensure the family's survival. Want your kids to keep building what you started? Make them earn it. Match...
Balancing Stress, Work, and Health: 7 Practical Tips
Everyone keeps me asking me how I'm a stressed out workaholic with a dad bod. Here are my 7 key tips: ....
Portfolio Structure, Not Size, Drives Retirement Confidence
$5M… and still unsure? I see it all the time. It’s not the number. It’s the structure behind it. That’s what creates confidence. Check out thoughts in this article: https://www.kiplinger.com/retirement/retirement-planning/rich-but-restless-why-your-usd5m-portfolio-isnt-buying-retirement-confidence
Leverage Debt, Let Tenants Pay, Keep Appreciation
Debt → Asset → Tenant pays debt → You keep appreciation. That’s it. That’s the whole strategy.
Break the Debt Cycle at Any Age
No matter how many years you have been in debt, you can still take steps to break the cycle and get your finances on track. https://t.co/5aGiGkOuOS
Banks Fund Real Estate, Not Stocks, Crypto, or 401k
The bank will lend you $240,000 to buy a rental property. They will not lend you $240,000 to buy stocks. They will not lend you $240,000 to buy crypto. They will not lend you $240,000 to fund your 401k. Only real estate.
Beware: Massive IPO Valuations Threaten Your 401(k)
In case you missed this - High impact on your 401K. The three big IPOs “valuation” - Spacex $1.7T , OpenAI $800B, Anthropic $400B — the great dumping ground on passive investors. Just say NO! https://t.co/u9ozqm1l29
Stay Calm: Habits of Top Investors in Volatile Markets
The best investors stay calm when markets are volatile, and these financial habits can help you stay the course. https://t.co/hO1oDA3Gyi
Entrepreneurs Overlook Market Diversification for Illusory Business Gains
Why do entrepreneurs generally hate investing in the stock market? When my entrepreneur friends and I talk finances, I encourage them to diversify and put some of their money in low-cost index funds. The majority say, "But I can make more...
Investing Success Requires Professional Effort, Not Just Luck
I have a friend with a $50M stock portfolio. I’m jealous of him. We’ve had roughly the same time horizon. He put his energy into picking stocks, I put mine into AppSumo and indexing on the side. His returns have absolutely...
Married Couples Can Earn $131k in Tax‑free Dividends
One of the best kept secrets of the tax code? Under the right circumstances- A married couple in the US can earn up to $131,100 in dividends every year and pay zero in taxes. Here's how: (thread 👇)
Start Maxing Your 401k in Your 20s, Reach Millions
I started this 401k account exactly 5 years ago. Not there yet but almost a quarter of million start investing. Your future will thank you, especially if you are in 20s and make 6 figure or around that at least...
From Debt to $3M Portfolio: Replicable Success Steps
I went from -$25K in debt to a $3M real estate portfolio, quit my corporate job, and travelled to 55 countries by 30. And no, I didn’t win the lottery, post on only fans, or do anything illegal. Here’s what I did...
Tax‑Smart Portfolio Rebalancing: Follow These Rules
The way you rebalance your portfolio will determine how much you pay in taxes. Doing it incorrectly can result in unnecessary expenses, but there are a few rebalancing rules that can maximize your savings. https://t.co/THJGk6LSHp
Maximize 401k: Save $10k Now, Pay Less Later
Say you make $300k/yr in IL. That's a 35% marginal fed tax + 5% state. $24.5k 401k contribution will lower your taxes by ~$9.8k. When you are retired, you will likely be in a much lower rate, say 22% in this example. That's...
Treat HSA as Investment, Not Everyday Checking Account
One of the biggest mistakes people make... Using their HSA like a checking account. Save your medical receipts. Let your HSA compound and grow. Reimburse yourself later.
Limit Negative Gearing to Boost Young Homeownership
I want an improvement in the ability of young people to build wealth, and own a home if they wish. We have such an easy solution that doesn't require destruction of whole sectors: Just limit NG to like-for-like income (as overseas) Rental losses...
Optimal Neutral Portfolio Calls for 15% Gold or Bitcoin
"If you were neutral on everything and optimizing your portfolio for the best return-to-risk ratio, you would have about 15% of your money in gold or Bitcoin." — Ray Dalio https://t.co/elQjKS4LwD
Master Compounding, Elder Care Costs, and Thriving Financially
💰 Personal finance links: how compounding works, the costs of elder care, and the difference between surviving and thriving. https://t.co/EvzMA2y8KQ image: https://t.co/pgzxOLz32C https://t.co/Gn6dKGKPBq
Allocate 15% of Income, Let Compounding Build Wealth
Save. Invest. Compound. It's that simple. I don't care if it's a gift from grandma or your paycheck, 15% of everything goes to work. Do it long enough? You'll be rich. #finance #advice #success https://t.co/OKa1zu5cg1
Couples Need Automated Money System, Not Bill‑Pay Rituals
I see a similar dynamic on my podcast when I ask couples how they manage money But there's a wrinkle The wife: Often spends 5+ hours every week "managing the household finances," but when I ask her what that means, she says...
Consistent Monthly Investing with a Safety Buffer
I invest consistently every month to build long-term exposure. I keep a small cash buffer..
Accept Market Returns: Use Total Market Index Funds
The Rolling Stones on investing: "You can't always get what you want But if you try sometime, you'll find You get what you need." We want to outperform, but it's very hard. So, when investing in stocks, at least earn a market return....
Direct Indexing Unlocks Massive Tax Loss Harvesting Cheat
Tax loss harvesting is pretty insane I'm up almost 10% for the year simply investing in S&P 500 But because I use a direct indexing strategy instead of buying an ETF, I have 50K in "tax losses" I can use to offset...
Married Couples Can Pull $131k Tax‑free, No Advisor
Married couples in 2026 can... - Withdraw $131k from investments - Pay $0 in federal taxes - Without a financial advisor Here's exactly how:
Beware Low‑down‑payment Home Deals Despite Low Rates
You’re 39, $320k TC. Renting for $4,500/mo. Two kids. Rates dropped to 5.8% and your agent says “marry the house, date the rate.” You’re under contract on a $1.5M home. 5% down = $75k. **Here’s the trap**:
Diversify Investments, Enjoy Zabar’s,
Toto, as everyone knows, the best way to save money and build wealth for your future wife and your kids is to get your money diversified in the American stock market. That is just good American intelligence, made right here...
Turn College Tuition Into Ongoing Real‑Estate Income
Most people think paying for college is a one-time expense. Pay the tuition. Move on. But what if the asset you used to pay for college… kept paying you long after? That’s the real strategy. Instead of draining capital, you’re building something that produces...
Value and Growth Only Matter When Numbers Support Them
Most investors treat "Value" and "Growth" as two different teams. Michael Mauboussin calls this "fuzzy thinking." The truth? Growth AND value only matter if the math backs them up. Here are the key insights from "The Math of Value and Growth"...
Start Investing Early: Compound Interest Bridges Wealth Gap
The wealth gap is a knowledge gap dressed up as an income gap. $10K invested at 22 (8% return) becomes ~$275K by 65. The same $10K invested at 42 becomes ~$60K. Same money. Same birthday. Different outcome. Einstein called compound interest the...
Don't Forget to Roll Over Your Old 401k
If you’re reading this go rollover your 401k from your old job to a new account 😅 I know you forgot 😭
Small HSA Balance
Wow almost 7k in this HSA account sometimes small account makes me more happy than 100k account. Hopefully make this account 50-100k one day. I am adding extra 1k a year till I max right now 4k my money plus...
Bonds Still Offer Real Returns and Diversification
Man advisors are so insanely negative on bonds. Bad takes everywhere... Facts: - Yes, stock/bond correlations have become positive at time. Yet the concept of diversification doesn’t hinge on perfect negative correlation. It simply requires that assets behave differently, and even today,...
Higher Income, Higher Standards: Living Within Means Misunderstood
What Is “Living Within Your Means”? “Try to ‘live within your means’” is a staple of prudent financial advice – recognizing that not everyone earns the same income (“means”), and therefore not everyone can afford to spend the same. Yet...
AI Guides Money Decisions for Over Quarter of Gen Z
JUST IN: A growing number of US adults, including more than a quarter of Gen Z, use AI to guide their money decisions, and one 27-year-old explains how it boosted his investments by $75,000.
Start Early: 3 Moves to Make Kids Millionaires
3️⃣ Financial Moves To Do For Your Kids 🤑 The best way to guarentee your kids will be financially successful is to start for them when they’re young. The earlier you do these 3 things for them, the better chance...
Practical AI Money Pivot: Sinking Funds & Real Savings
While the internet was busy piling on Mel Robbins for the Copilot thing, I took it somewhere useful. May's newsletter opens with the AI & money pivot you actually need. Plus sinking funds for the concert you KNEW was coming, and...
Unlock 10x Returns: Fisher’s 5 Growth Secrets
Warren Buffett once said he was "85% Graham and 15% Phil Fisher." Most people study Graham’s value metrics, but they ignore the 15% that actually leads to finding stocks with 10x potential. I just reread Fisher’s "Common Stocks and Uncommon Profits."...
Simplify Your May Budget for Stress-Free Spending
Let me help you fix your budget so you’re not stressing over every latte, tracking 97 categories, or building a plan you can’t actually stick to. Use these to make your May budget simpler and more realistic to keep up...
Use a 351 Exchange to Tax‑Defer NVDA Holdings
Your client has $2M in NVDA they won't sell. "The taxes will kill me." Most advisors stop there. The 351 Exchange breaks the trap. Tax-deferred. ETF-based. Liquid day one. https://t.co/0ev7Bt8ru8
Write Off Up to $100K When Small Startup Fails
A weird tax loophole with early stage startup investing that almost no one knows about: If you invest in a small startup that has raised less than 1M in funding And the business fails You can write off up to 50K (single) or...
Shop Quotes, Save Hundreds on Insurance
Always get multiple quotes. When I was shopping for insurance, I got: - Geico: $163/mo - Mercury: $224/mo - Farmers: $255/mo - Allstate: $295/mo For the same policy coverage Easy savings for 30 minutes of work.
Create Trust Funds with Anyone, Build Collective Black Wealth
Hi ! I am Attorney Henderson and I set up trust funds to sustain black wealth. Here are 3 things you need to about setting up trust funds. 1. You can set up trust fund with ANYBODY. You don’t...
Diversified Mix Outperforms SPY Without Leverage
In 2026 you haven't needed leverage to beat $SPY in fact even at 30% cash you matched $SPY. All you have needed is a diversified portfolio of 10% Gold, 10% Commodities, 25% Major Index Stocks, and 30% Nominal bonds...
Young Millionaires Ditch Complex Advice for Simple Index Funds
I am happy to see more young multi-millionaires abandoning the illusion of excess investment returns sold by advisers pushing complex strategies for the simplicity of target date index funds in retirement accounts and $VTI / $VXUS, and a municipal bond...
Wealth Requires Vision, Not Just Returns, Build a Fortress
As your wealth grows, you realize something profound: Investing is no longer just about returns. It's about creating a complete vision for your life. Build a fortress around your money. This is how wealthy families maintain their wealth across generations, while...