Personal Finance Social Media and Updates
Personal Finance Social Media and Updates
Seth Klarman: “The most important thing in investing is to have a margin of safety.” Takeaway: Buy with protection built in. Most investors lose money before they even buy.
She had $1.2 million in cash. Three years. Waiting for the "right time" to invest. She thought cash was safe. Zero risk. She didn't realise she was already taking the biggest risk of all.
💸 Where does your money actually go? TJ Maxx? Nordstrom Rack? Marshalls? Ross? We all deserve a little dilly-dally magic… but when random spending runs the show, it’s time for a budget check.
We pay 3.61 APY @bankonroger savings without needing a disclosure about losses….no gimmicks or fees & with FDIC insurance up to $250k per depositor. Plus, your money ignited growth for #smallbiz. https://t.co/8oSpSyhQyM
Things to focus on to build wealth: - invest wisely (tax advantageous accounts, low cost index funds, consistently) - spend wisely (especially big $$ expenses like cars) - acquire new skills to make more $$$ (certifications, degrees with good ROI) This is the blueprint.
During a lifetime you will have 10-20 big winners and hundreds or thousands that didn’t live up to your expectations. Long-term investing success is capturing those 10-20 monsters while also understanding 95% of what you own will deserve to be...
Charlie Munger: “You must value the business in order to value the stock.” Takeaway: Analyze operations before analyzing charts. Most investors analyze charts. The best investors analyze businesses first.
Saw this on r/Bitcoin and had some thoughts: The best traders I know also DCA quietly in the background. Trading is a skill game. DCA is a math game. You need both. One good strategy: -Keep 65–70% of your crypto capital in a...
If you're 40 and start investing $1,000/month earning an 8% avg return: Age 45: $73,477 Age 55: $346,038 Age 65: $951,026 Add social security and you've got a better retirement than never investing at all.
I want to gently point out that most people do not understand that if you invest enough, your portfolio can pay your housing costs in perpetuity So when I say "renting can be cheaper," they are bewildered "Yes but how will you...
March 2020. COVID panic. Markets collapsed overnight. Two clients. Same portfolio. Same allocation. Same advisor. What they did next created a gap worth hundreds of thousands of dollars. It will probably never close.
Korean retail investors had record margin debt. Bought the AI chip story with 30-40% down payments. Then oil spiked. Margin calls hit. Forced selling cascaded. This is the disposition effect in reverse. When everyone holds losers too long, the unwind is violent. The lesson:...
Given this situation, millions of Americans could afford and even need to move, but they stay in homes they no longer want because they do not want to lose their low mortgage rates. Yet each quarter, people have given up...
Most jobs will offer things like health benefits, retirement plans, and gym discounts upfront. But one benefit that doesn’t get talked about enough is financial education. If you think your company could benefit from something like this, feel free to pass...
From phishing emails to bogus tax credits, the IRS warns that scammers keep changing tactics. Here’s what you should know about the most common tax scams now. https://t.co/0ciX8gUJKy
"I'm a new investor. How do I start?" 1. Sign up for a 401k/403b. Select Vanguard/Fidelity funds with low expense ratio. Contribute at least up to the match. 2. Open and max out HSA, if eligible 3. Roth IRA/max out the 401k/403b This is the...
The average first-time homebuyer is almost 40 now. If young people don’t start owning assets, they’ll never build wealth...
That is an old saying I learned in Hong Kong that is meant to convey that any place can become unsafe and that having the ability to go to other places is invaluable. It is a lesson from history that...
There are so many financial games being played that we don't even know exist. There's a scene in Batman where they take over the trading floor and one of the traders says "there's no money here that you can steal" Bane replies...
"I need to park $50k of cash for 12 months. What are my options?" > $VUSXX (Vanguard Treasury MM Fund) or any Treasury equivalent. State/local tax exempt, 3.63% yield > HYSA (FDIC insured, ~3%) Don’t invest it, unless 12 months turns into 12...
I didn't think about this in real time with OBBBA, but a lot of couples who are making in the $500k-$700k range this year are gonna end up MFSing because of the additional SALT cap. Seeing that a lot this...
Announcing the @Strike Bitcoin Line of Credit. What's the best way to live on bitcoin? What if you never had to sell? Save in bitcoin. Spend in fiat. Avoid selling. Save better money. Stack more sats. Gresham's Law. Speculative attack. The Bitcoiner's Life...
A growing number of retirees have been paying federal tax on their benefits. A new $6,000 per person senior deduction reduces taxes for some seniors, but doesn’t change the way Social Security is taxed. https://t.co/Xv3DUZI1Us
Imagine doing it in your 60s. This is why I encourage women to invest for retirement. Age discrimination is brutal.
Optimize vs. Maximize You don’t need to win every tax year. You need to win the life you’re living. Chasing every deduction. Timing every Roth conversion. Micromanaging every IRMAA bracket. At some point, maximizing starts competing with living well. That’s when strategy needs recalibration.
If you only have one savings account… uummm yeah. You’re gonna want to read this. P.S: Go here for my favorite checking/savings account recommendation https://vist.ly/4tjz9
Don’t even bother logging into your investment accounts if you’re not buying more stocks. You’re just going to make yourself feel worse and selling will only hurt you in the long term.
If you're not retired: > stop obsessing over share prices, it's just noise > stop stressing about daily market moves, they don't matter > stop panicking over short term drops, they are normal Just stick to your long term plan. Stick to your allocation....
My very smart friend got scammed yesterday. Because she's a smart cookie, the scammer only got $400 but it could have been so much worse. 1️⃣ When someone calls you claiming to be from your bank, thank them for the call and...
I have lots of things to say about Robinhood Most of them aren't good. But the credit card is wonderful. Use it for health insurance, car insurance, rent (I sublease so the rent exclusion doesn't get triggered), and just about everything...
Most investors know they pay fees. Annual charges. Management costs. Platform fees. Almost nobody knows what those fees actually cost them over 20 years. The number is usually the most shocking thing I show new clients.
If you have kids, please get a 529 plan: • many states have a tax deduction for investing • money grows tax free • tax free withdrawals for education (tutoring, college, private schools, certificates, etc) • could rollover up to $35,000 to their Roth...
Building wealth isn't one big "right" decision. It’s a series of small, repeatable actions that feel insignificant in the moment but lead to high-impact outcomes. Case in point: I’ve increased my investments by $100,000 in just the last 9 months. Here is the...
You have zero control over where you're born, yet billions of people in the world are shut out of accessing financial tools because of it. Finally, this is changing with crypto. Getting access to sound money, loans, stocks, etc from your...
That answer sat with me. Because at this point it’s not even about luxury anymore... It’s about having enough money to simply live. If this is where you are right now, I'm so sorry. It's affecting so many of us right now... but...
Forget chasing gold or silver at all-time highs. The real opportunity is buying Bitcoin in the buy zone. While gold and silver are safe havens, Bitcoin offers a better risk-reward, especially with potential S&P drops on the horizon. #Bitcoin #Investing...
My annual portfolio review is one of my most read posts of the year. The 2025 edition is now live 📊 Did I hit my goals? 👉 The Good, The Bad and The Dollar 😉 Check it out here: 🔗 https://europeandgi.com/inspiration/2025-dividend-portfolio-review-the-good-the-bad-and-the-dollar/ Share ⏩ &...
Many people think it's pointless to invest $100-200/mo. But: 1. It's better than $0/mo 2. You let your money compound instead of wasting it on useless things 3. You form a habit of investing, which could be even more valuable than the initial...
Amazon employee Makes $405K/year in California including RSUs and another $9K/month in 1099 consulting income that he picked up in June of 2025. Here's everything we are looking at and why:
The fear & greed index on #Crypto. It has hit rock bottom in previous weeks. Uncertainty and fear have gone through the roof, with all the geopolitical uncertainty, the AI boom, and more. Now, this is a great opportunity for investments in...
The Roth IRA limit is $7,500 for 2026. That's $145/week. If you invest $145/week in an S&P 500 index fund for 30 years, you'll spend $225,000 of your own money. But at retirement you should have $1.4 million. That’s the power of compound interest.
Was buying a small grill for outside. Used AI and said “find me coupons for this brand” It found a “BLACKDOGBBQ20” coupon code for 20% off Easy $100 in savings for 5 minutes of effort Use AI to search coupons whenever you are buying...
I'm 36 with $500K invested. Most of this happened in the last 8 years. Here's how:
Interest from HYSA is taxed at federal AND state/local level. But interest from T-Bills is only taxed at the federal level, saving you anywhere from 0-13% in state/local taxes. T-bills also generally have better yields. Small adjustments can make a big difference over...
Early in my career, I didn't want to max out my 401k… I was worried about liquidity for early retirement. That quickly changed as I learned about: • 72t SoSEPP • rule of 55 • roth conversion ladder All of these allow you to pull from...
Sitting in cash is the opposite of investing, and invites long-term, dramatic underperformance. Holding cash is basically begging the Fed and Congress to light your money on fire via inflation. https://t.co/QMd0bkOkkZ
The goal isn’t to minimize taxes. The goal is to maximize after-tax return. Say you have $100k in 0.1% savings account. You earn $100 interest, pay $24 of tax. Now say you have $100k in 3.5% savings account. You earn $3.5k interest,...
My 2 non-negotiable when choosing a platform to invest: - £0 platform fees - easy to navigate app/website
12 years ago, I was $304k in debt. Today, I'm a multimillionaire. If I lost everything tomorrow, here's how I'd get it back:
“Risk is the uncertainty of lifetime consumption.” We sit down with @cullenroche to discuss his new book Your Perfect Portfolio. We start with a basic 60/40 portfolio and then examine, step by step, the case for adding international, factors, gold, private assets,...
