Turn Savings Into Liquidity, Then Focus Your Efforts
If you're interested and driven, why look anywhere else? Build a healthy level of cash savings so liquidity is an asset instead of a liability. Then focus your efforts here: https://t.co/9UnC3uiLu6
Stick to VOO, Skip Random Stock Speculation
I don’t know who needs to hear this but STOP buying random individual stocks if you don’t know what you’re doing Just buy $VOO and chill
IRS Updates Schedule D Line 21 Instructions (2018‑2024)
From IRS: Correction to the 2018 through 2024 Instructions for Schedule D (Form 1040), Line 21 (Yes, really, 2018 to 2024.) H/T: F. Bronstein https://t.co/7hLAdjavnf
Key Adviser Updates: Inherited Wealth, AI Tax Prep, Client Exit
🆕 Adviser links: how inherited wealth is different, AI-powered tax prep, and how to let a client go. https://t.co/PTHt9rTNSA chart: https://t.co/kORz3dWOoQ https://t.co/sd5SnHVmZL
Pricing, Not Diversification, Drives Gold’s Portfolio Rescue
The great failure of 60/40 and risk parity was holding bonds at ZIRP "for portfolio diversification benefit". Pricing matters. Today Gold and commodities have saved every portfolio that was smart enough to hold them. Daily you hear about...
IRS Clarifies $25K Tip Deduction, Adds Santa Impersonators
The IRS finalized “no tax on tips” regs—and clarified who qualifies. Yes, up to $25K in tips can be deducted. But only for certain occupations (now defined), and only for voluntary, reported tips. Santa Claus impersonators made the list. Did your job? 👀 https://t.co/q1z55eZskn
Withdraw Up to $65K Gains Tax‑Free
You can pay 0% in taxes on your investments: 0% long term capital gains rate applies if your taxable income is <= $49,450 (single) or $98,900 (mfj) After standard deduction, you can withdraw $65,550 (single) or $131,100 (mfj) of LT gains from...
Wealthy Lack Liquidity; Keep $5M in T‑Bills
I ask wealthy people one simple question: Do you have $5 million liquid? You’d be shocked how many say no. They own assets — homes, watches, businesses — but no cash and when things go wrong… none of that matters. Liquidity is survival. I...
Financial Freedom Makes Life 1000× Easier
Life becomes 1000X easier when you have: - No car loan - No school loans - No credit card debt - 6 months of expenses saved - Automated monthly investments
Discipline, Consistency, Time Drive 6× Wealth Growth
US household net worth is up 6x in 30 years to a record $175 trillion. There's no secret formula. Just: -Discipline (spend less than you make) -Consistency (invest early and often) -Time (let compounding do the work) That’s how wealth is built. https://t.co/MKkzT9hT2a
Only 1 in 10 Active Funds Beat Benchmarks
Why I avoid a lot of actively managed funds. Over 15-20 years over 90% underperform their benchmark. In other words.... Only 1 in 10 are really worth your money.
Embrace Volatility: Buy Low, Retire Rich
Do you plan to sell all your investments and retire this year? If not, you should actually want prices to go down in the short term so you can buy more at lower levels. I know I do. For example, if I’m retiring...
Solo Lawyers Must Save Early to Build Wealth
Solo lawyers often earn well—but don’t build wealth. Why? No one taught them how. They went to law school not business school. Income goes back into the practice… but a practice is not a financial plan. Start small. Save 5–10%. Build structure early. The...
Invest, Don't Just Spend: Harness Compounding Wealth
Most people buy things and don’t even think about investing… Remember, long-term investing can be a powerful way to build wealth 📈 Compounding is often called the “8th wonder of the world” for a reason For informational purposes only. Not investment advice.
Captive Insurance + PPLI: Tax‑Free Crypto Family Office
Captive insurance + PPLI = the crypto family office cheat code. Pay premiums to your own insurer, invest them in crypto, hedge funds, or real estate. Grow it tax-free. Borrow tax-free. Heirs inherit tax-free. It's straight from Buffett’s playbook.
Choosing to Exclude Crypto From Your Portfolio
"It's an active decision at this point not to have any sort of crypto in your portfolio." @JSeyff. Short clip — worth the 40 seconds: https://t.co/lwL60I8vWq
From Debt to Freedom: Escape the Sunday Scaries
If you spent your 20s, 30s, or 40s financially f******cking up your life with debt, no savings, & no investments but now you’re ready to work towards financial freedom and becoming work-optional so you can cure yourself of the “Sunday...
Most Millionaires Earn Wealth Through Assets, Not Salaries
1 in 3 American millionaires never earned a six figure salary. They built wealth through assets. Not income. Your paycheck isn’t the answer.
Commodities Futures Add Value to Balanced Portfolios
If you look at the data, investing in commodities futures makes sense within the context of a total portfolio approach. https://t.co/KYqknJKQ54
Stop Taco Debates, R
at some point you have to stop debating “taco” and think about how you’re going to invest differently in a completely changed world… https://t.co/duln6vPvGQ
Maximize Tax-Free Growth: Contribute to 2025 Roth IRA Now
Since the April 15 deadline is coming up remember that you can still contribute for the 2025 year for your Roth IRA The Roth IRA is one of the greatest wealth building tools available. Make use of it if you can...
Invest, Don't Just Save; Cash Loses to Markets
Growth of $10,000 since April 2016: High yield savings account: $12,534 $VGT (IT ETF): $74,973 $VOO (S&P 500): $39,064 Keeping cash long term is not a good strategy (aside from emergency funds) You can't save your way to wealth, you have to invest.
TIPS Rates Refine Social Security Breakeven Age Calculations
Breakeven Real Rates For Delayed Social Security Claiming ➡️ How incorporating available rates on Treasury Inflation-Protected Securities (TIPS) into advisors' analyses of Social Security claiming strategies can lead to more accurate "breakeven ages". https://t.co/DSv4rxmgAa #WeekendReading (Nathan Dutzmann | Advisor Perspectives)
Invest Principal, Not Pay It: Use Interest‑Only Mortgage
The mortgage on our home is interest-only. Why? Because it’s much smarter to invest that principal instead of paying it back to myself every month. Unless you need a forced savings account to protect yourself from yourself, OR You don’t have good investment opportunities, an...
Vanguard UK Isn’t Cheapest—Still Worth Considering?
Vanguard UK don’t have the cheapest platform or cheapest funds. Actually - quite far from it. So, should you still use them? All this & more in my new video 👇 The Current State of Vanguard https://youtu.be/fBm0snyAMSU
America's Secret Role as Global Tax Haven
I was interviewed by Reveal for their new podcast: “Inside America’s Race to Hide the World’s Money.” It’s about how the U.S. quietly became one of the best places in the world to park wealth. Out of reach and out of sight. If you...
Automate Paycheck Splits to Save, Invest, Pay Bills
HOW TO SPLIT YOUR PAYCHECK Stop wasting your time sending money to different accounts every pay day. Here’s how to split up your paycheck — to save, invest, and pay bills — automatically. STEP 1 Make sure you have direct deposit set up...
Focus on a Few Long‑term Holdings, One Idea Yearly
Joel Greenblatt on portfolio management "We hold 5 to 8 securities for a year to 2-5 years. We may only need to find one idea a year."
Only the Clueless Chase Fair‑weather Stocks; Buy S&P 500
The fair weather fans are some of the world’s dumbest investors. If you can’t figure out how to make money on a stock like this, you should probably quit stock picking forever and buy an S&P 500 index fund. https://t.co/NhrMHGO8VP
Deferred Income May 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...
Dave Ramsey Warns Against Home Equity Loans
Financial guru Dave Ramsey is adamant about avoiding debt, so it’s no surprise to hear that he’s not a fan of home equity loans. https://t.co/K3HMRpmev0
Demand Early Filing or Lose Your Tax Pro
Pro Tip: If you'd like a surefire way to need to find a new tax pro next year, go ahead and tell your current tax pro that it'd be really nice if they didn't wait for the last week to...
From Occupation to $1 Trillion: Norway’s Wealth Revolution
In 1945, Norway emerged from 5 years of brutal Nazi occupation. War-torn. Bankrupt. Dependent on foreign aid. Today: A $1+ trillion sovereign fund making every citizen wealthy. How they built the world's ultimate money machine:
Extend Your 2025 Tax Deadline, Pay Owed Now
Not ready to file your 2025 tax return? Here’s how to buy yourself six more months, and why you still need to pay what you owe now. https://t.co/SdcqhDVk3f
Shift From Overvalued US Stocks to Gold, Silver, EM
Why I'm Selling U.S. Stocks and Buying Gold Instead The Dow's up almost 1,000 points but it was overvalued before and there's still way too much complacency. Here's the catch though – don't sit in cash. The dollar is just as overvalued. I'm...
A Few Stocks Drive All Market Wealth—Diversify
Absolutely insane stat: Just 3.7% of stocks created 100% of U.S. stock market wealth over the last century. Miss a handful of winners … and you miss the market. That’s why you need to diversify. https://t.co/33wit1ajzk
Stop Quoting Buffett; Carve Your Own Investment Swing
Too many defend their investing strategies with Buffett quotes. If you aim to outperform the markets you must find your own swing. https://t.co/3XHsZkAldW
2026 Tax Bill Lets Charitable Donations Yield Deductions
Most people donate to charity and get $0 of tax benefit. In 2026, that finally changes because of the new tax bill. Here’s how to take advantage:
Patience Pays: Stocks Spike After Years of Stagnation
Stock performance is rarely linear. You sometimes have to hold onto a position for a couple years before it goes up 300% in 6 months. It always looks easy in hindsight, but holding dead money is excruciating and few are...
Consider SIPs in Global Markets Despite FII Sell‑off
Anurag, so yr advise is that public wait for 600 billion of FII selling before investing. In the meantime where to invest. FDs ? Or u think with SIPs as low as 100 rupees per month they should start investing...
Shift Taxable Cash Into ISA Before 2027 Cuts
TLDR: if you have money outside of an ISA, that you are paying tax on, and you have excess ISA allowance leftover, it’s probably worth getting it inside of an ISA to avoid future tax. Especially important with the cash...
International Diversification Safeguards Your Wealth Long‑term
From a monetary standpoint its best to diversify internationally. It'll protect you in the long run.
Maximize HSA Growth: Invest All, Reimburse Later
I have $500 in cash in my HSA (my plan’s minimum). The rest is invested in the S&P 500. I’m tracking all my medical expenses and plan to reimburse myself in 20 years. This is how you use HSA to its...
Simple Process Unlocks Quad3 Benefits for Your Retirement
You don't need a Bloomberg terminal or a corner office to know what #Quad3 means for your retirement account You need a process. We built one. It's yours
Risk‑Responsive Rotation Offers True Diversification for Equity‑Heavy Portfolios
Equity-heavy portfolios need a counterweight that actually responds to risk. Not just duration. Not just yield. $JOJO rotates based on inter-market signals. Real diversification. https://t.co/5sPzGCpJ6s
Rethink 60/40: Seek Uncorrelated Returns in Commodities and Alts
The positive stocks/bonds correlation highlights the need to think beyond the 60/40 model in order to find other sources of uncorrelated returns. Fortunately we have those in the form of commodities and alts. https://t.co/l0uBYTBbYD
Commodities Remain the Purest Diversifier Amid Correlated Markets
With equities and bonds once again positively correlated, the purest diversifier have been commodities. https://t.co/ZPvc20l8qu
7‑Step System Paid Off $304
In 7 years, my wife and I: - Paid off $304k of debt - Built a $1M+ net worth - Without a financial advisor Here's our 7-step money system that any family can copy:
60/40 Portfolio No Longer Works in Today's Market
"Remember the old days? When bonds rose and provided an offset to weaker equity returns? The days when the “60/40” portfolio was built to better withstand short-term fluctuations in volatile market conditions? That’s so yesterday." Our latest quarterly...
2026 Charitable Deductions Available With Standard Deduction
IMPORTANT: in 2026, you can deduct charitable donations even if you take a standard deduction (up to $1,000 for single, or $2,000 married) Please track all your cash donations in 2026. They could help save on taxes (whereas you had to...