Reevaluate Roth vs Traditional 401(k) After Income Shifts
You need to adjust Roth vs Traditional 401k based on life changes. Say you were doing Roth, but your company promoted you fast, or your spouse started a job, or you got a side hustle. You should adjust and analyze Roth vs Traditional every time income changes significantly
Liquidity Is Non‑negotiable: Invest Disciplined, Accessible Capital
I build portfolios to survive and perform. Liquidity matters—always. Yes, I invest in alternatives, but I stay disciplined. If you can’t access your capital, you don’t control it. That’s unacceptable. https://t.co/YL3DMaecHz
Get Refunds for IRS Penalties Paid 2020‑2023—Deadline July
The government may owe you money. If you paid IRS penalties from 2020 to 2023, you could be eligible for a refund. The July 10 deadline is fast approaching — don’t miss it. 🔗 https://t.co/VOKLHrlByq https://t.co/gqhqbcl1qU
Open Private Deals to Everyone? Likely a Red Flag
A finance professor once shared with the class that if an average person is given “the opportunity” to invest in a “new and exciting” private investment before it goes public, it’s probably time to run. Private investments that are legitimate...
Cancel Your Credit Card in Five Simple Steps
How to cancel a credit card: 1. Cut it up 2. Pay off the balance. 3. Call the credit card company and cancel the card/account. 4. Get a copy of the cancellation confirmation in writing. 5. NEVER look back.
Employer‑Paid Education Benefits Up to $5,250 Tax‑Free
Hidden tax perk -> Employers can pay up to $5,250/year toward: 🎓 Tuition 📚 Education expenses 💸 Student loans And it’s tax-free. No income tax. No payroll tax. Worth checking if your employer offers it. https://t.co/0QyFOcW3cM #TaxTips #StudentLoans
Free K‑6 Money‑Smart Resources for National Financial Literacy Month
💸 Want to teach your K-6 students how to be #MoneySmartKids this National Financial Literacy Month? ✅ Check out these FREE classroom resources from #ChaChing https://t.co/boTCJsQArA
Key Metrics to Evaluate Duplex Investment Viability
How to Tell if I Buy These Duplexes if They Would be a good investment
Free Live Money Masterclass: Boost Income, Budget, Credit
I'm not going to sit here and tell you things are fine. Groceries cost more. The stress is real. And the mental load? Chile... But here's what I DO know ... this is not the time to be quiet and just...
Build Wealth: Cut Costs, Max Match, Invest Consistently
How to get to the 1% financially: > analyze expenses and cut useless junk > contribute to 401k up to the match > pay off any high interest debt (7%+) > max out Roth IRA > buy low fee, quality ETFs > scale investments to...
Leverage Like Banks: Build Wealth Through Real Estate
Banks have been using leverage to build wealth for 200 years. They lend money to people who buy assets that go up in value. They've been running the real estate playbook on you. Time to run it yourself.
Muni Bonds: Underrated Gem for Savvy Investors
Muni bonds don't get discussed all that often, but for the right investor, they make a ton of sense. Great look at it all from @gilbert3142 on our team. https://t.co/3RC2usnSOx
Patience Beats AI Switching: Discipline Wins Long-Term Returns
💡 The core principle of mutual funds is simple: Buy at lower valuations Acumulate more units Stay invested through cycles. There is **no fund that stays on top forever.** Performance rotates. Patience wins. ⚠️ Constant AI-driven switching can break the very logic of long-term wealth...
Saving Happens Only When It Becomes an Emotional Priority
Most people will not save money when they get that raise. Most people will not save money when their car is paid off. Most people will not save money when their kids are grown. People choose to save money only when it becomes...
Sell Choice Matters as Much as Asset Selection in Rebalancing
When it's time to rebalance, where you sell matters just as much as what you sell. https://t.co/WhFKGHqYb3
Deferred Income Can Still Be Taxed by Original State
Like many rules, there's an exception: When a person working in one state defers some of their income, then moves to a different state (where they ultimately receive the income), that income can in certain cases be taxed by the first state...
Multiple Income Streams Unlock Doctors' Financial Freedom
The 'Broke Doctor' Portfolio: 📉 One salary 📉 A car loan 📉 A rented clinic 📉 Zero real assets The 'Wealthy Doctor' Portfolio: 🚀 Multiple income streams 🚀 A powerful personal brand 🚀 Equity in 3 startups 🚀 Digital products selling 24/7 One is survival. The other is freedom.
Adjust Withholdings Now, Pay More Taxes Later
US Treasury Secretary Scott Bessent said to adjust your paycheck withholding to increase take home pay in the current calendar year... but that could be pushing your tax bill to next year... Do you understand how your withholdings works? #taxes #paycheck...
College Loans Under $500/Month Worth Earnings Boost
That comes out to less than $500 per month under a standard repayment rate and term, using today’s interest rates. Is that really so unreasonable given the lifetime earnings premium the typical college grad has over the typical high school...
High‑Quality Bonds: Simple, Reliable Diversifier for Equities
They're not foolproof (see: 2022), but high-quality bonds have been darn reliable diversifiers for equity exposure. Just add a bit of cash and you should be good to go. Sometimes the best answers really are the simplest ones. https://t.co/Eh3bgvN2Uz
Invest for 20 Years, Not Perfection: Choose Worthy Businesses
Nobody asks "is this the perfect marriage?" They ask "is this person worth building a life with?" Investors should think the same way. Not: "Is this the best stock in the market?" But: "Is this a business I'd be proud to own for 20...
Warren Buffett’s Sell Signals Predict Underperformance
With Fundamental Edge instructors Paul Johnson & Andrew Carr, we run the Applied Value Investing Certificate for Wall Street Prep (I don't consider myself a classic Value Investor by training, so Paul carriers the heavy lifting on Value Investing). On Friday...
Six Figures, Zero Savings: Ignoring Debt Blocks Early Retirement
A couple making $142,000/year has $0 in savings. They told me they want to retire early and invest in multi-family real estate * He thought their total debt was $18,000. It's $46,000 $25K of that is credit card debt — all in...
Investors Pay Lower Taxes Than Wage Earners
The tax code loves investors. If you work a W-2 job, the max federal tax rate you can pay is 37%. But qualified dividends or long term capital gains are taxed at up to 23.8%. Real estate investors also enjoy tax arbitrage...
Relentless Habits Turn You Into a Millionaire
Build the right habits and WEALTH is inevitable. The right habits: - Self-educating relentlessly - Tracking your money relentlessly - Proactively growing income relentlessly - Paying off all high interest debt relentlessly - Investing in index funds every week relentlessly Do this...
Weighing Cash War Chest Against Full Market Exposure
Should you hold a cash "war chest" or stay 100% invested? There is no right or wrong answer, but there are two distinct schools of thought. Here is the breakdown of Optional Value vs. Cash Drag 🧵👇🏻
Stay Calm: Emotion Is the Real Investment Risk
Staying calm when others panic. Calm investors make better decisions. Emotion is often the real risk. #InvestorBehaviour #LongTermThinking https://t.co/0wls8rC4o1
Invest in ChatGPT and Claude Now Before IPOs
You can invest in ChatGPT and Claude today. OpenAI (ChatGPT) and Anthropic (Claude) are both preparing to IPO later this year, but you don't have to wait until then. Big Tech isn't waiting either. They're loading up on both. 3 ways to get...
Wealth Grows by Earning More, Not Saving More
Stop obsessing over cutting costs. Most people don't have a spending problem, they have an earning problem. Want financial security? Focus on growing your income and doubling down on investments. The real path to wealth is making more, not saving...
Keep a 1.99% Mortgage—Inflation Beats Early Payoff
My coworker has a 1.99% mortgage. That is something you should NEVER pay off early. Inflation is at least 3%/yr. Why would anyone pay that off aggressively? It makes absolutely 0 sense.
SIP Doubles PPF Returns over 15 Years
PPF vs MF (15 Years Tenure) 🔥 PPF :) Monthly Investment ~ ₹5,000 Tenure ~ 15 Years Total Investment ~ ₹9,00,000 Average Return ~ 7% Maturity Value ~ ₹16,00,000 Liquidity ~ Locked Risk ~ Low (Govt. backed) Tax ~ No Tax SIP :) Monthly Investment ~...
Rent Your Home, Fund Your Travels
Most people think travel is expensive. But really, they’re paying for a life back home they’re not even living. Rent. Utilities. Furniture. All sitting there while they’re somewhere else. I stopped doing that and started renting out my house while...
Four Crypto Cashflow Strategies for Living Expenses
There are four ways to pull cashflow from those assets. Selling is the obvious one while investment products are in development at DWP. Loans against digital assets exist now but currently favor the lender. Covered calls are the fourth option,...
Early, Consistent Investing Beats Large Late‑stage Contributions
"At some point, there's not much point investing an extra $10K" The key lesson here: The longer you invest and the more you invest, the less your later investments really move the needle This sounds obvious ("Just invest a lot, duh"), but...
Sell S&P Puts to Boost Returns Beyond the Market
You can buy the S&P and beat 90% of stock pickers… Or you can buy the S&P and sell puts on it… and quietly move into the top 1% Same foundation. Slightly different approach. One just adds income on top of the market’s long...
Delaying Retirement Boosts Portfolio Value by Two‑Thirds
A small shift in retirement timing can change the market environment the retiree enters and, with it, the sustainability of the plan. https://t.co/ExgMMZqtKQ Georgios Argyris, Research Director at bellavia app shows how the effect becomes clear when comparing otherwise identical retirees...
Daily Smart Money Habits Build Long‑Term Savings
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
Your Crypto Stays Safe with Multi‑sig, Advisor‑approved Transfers
A compromised Google account wiped out someone's XRP. Assets at Digital Wealth Partners are not tied to your Apple ID or Google account. Separate login, multi-sig verification, whitelisted addresses only. Nothing moves without a wealth advisor signing off. Some partners...
Your Latte's Cheap; Your Lifestyle Is Costing a Fortune
Things more dangerous than $8 lattes: - $50k wedding that lasts 5 hours - $80k degree to get replaced by AI - $60k SUV because you "deserve it" - $4k/mo apartment to flex for friends - $5k/yr on insurance you never shopped Cheap coffee won't...
Map Risk Allocation to Portfolio to Avoid Surprises
High level suitcoining here. This is how you talk to Boomers. Mapping risk allocation to port allocation is smart/ prudent, limits nasty surprise potential and helps behavior.
Most US Stocks Lag Treasury Bills, Buy the Market
The majority of US stocks (59%) have underperformed Treasury bills over their lifetime and 45% end up having a negative cumulative return. “Don’t look for the needle in the haystack. Just buy the haystack.” - Jack Bogle Video: https://t.co/yQSLZ1RFLj
Essential Resources: Solo 401(k), Referrals, CFP Study Guide
🆕 Adviser links: solo 401(k) plans, asking for referrals, and how to study for your CFP. https://t.co/WtwhOCvP7h chart: https://t.co/WtwhOCvP7h https://t.co/INsvGsnpNj
Pay Off Credit Cards to Avoid 20‑30% Interest
Getting rid of your credit card balance prevents interest accumulation, and credit cards often have annual percentage rates (APRs) that range from 20% to 30%. https://t.co/SuHgkcrCoQ
Cash on Sidelines Costs You Missed Investment Gains
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
Pay Off Credit Card Debt Before Stock Investing
Don't invest your money in the stock market if you have credit card debt Unless to get the full employer match for your 401k (assuming good % matching and vesting rules) Get rid of that 25% interest asap Don’t work backwards
How Corporations Pay Zero Taxes—And You Can Too
~88 profitable U.S. corporations paid $0 in federal corporate income tax while you paid payroll tax, income tax, property tax, sales tax, capital gain tax, etc to fund activities you don’t even support. The big guys know how to...
Holding Stocks Wins, But Discipline Remains Tough
In hindsight, buying and holding stocks was the right choice this past year. That's easier said than done. This is a nice personal essay from financial newsletter ace @SamRo on how hard that is even for someone like him. https://t.co/ondBWl2hlM
It's Never Too Late to Achieve Financial Freedom
If you financially f****cked up and now in your 30s or 40s you want to turn it around, crush your debt, learn to invest, and get your money right — I hope you find my page. Because it’s NOT too late...
Dollar‑Cost Averaging Beats Market Timing Every Time
Nobody can predict exact bottom or top but for 95% of the folks just DCA and keep adding. You will always win almost always. If you DCA into SPY from the beginning of year you would beat SPY itself its...
Check Withholding Regularly to Avoid Unexpected Tax Bills
It's always smart to review your tax liability against your withholding to see if adjustments are needed. Just be careful so you don't end up with a large payment next year. via @katedore Bessent says to adjust your paycheck withholding —...