Investing Creates Passive, Tax‑deferred Wealth—Buy Discounts
Investing makes you unemployable. This small investment alone made me a passive $175,000 tax-deferred over the last year. Liberation Day April 2025 was one of the best months for the stock market in recent memory. You can’t buy the bottom, you can only buy the discount.
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...
Analytic Wealth‑floor Costs for Regime‑switching Portfolios
New paper: Dynamic Mean-Variance Portfolio Allocation under Regime-Switching Jump-Diffusions A wealth floor is a barrier. A market crash is a jump. Result: analytical terminal wealth densities, floor protection costs & de-risking glide paths - all analytic https://t.co/jbT1nAqw5M https://t.co/LkGMSr7G8n
Kwong Decision Opens Refund Claims for Penalties, Interest
“…the Kwong decision suggests that taxpayers should reevaluate penalties and interest previously paid and consider filing refund claims targeting those amounts, even when the underlying tax liability itself is not in dispute.” Kwong Opens New Path for COVID-19 Refunds https://t.co/6OGToPBe1j...
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.
Clear, Value‑added Investment Process Beats Noisy Fin TV
Masterful and value-added presentation this morning by @dsaleminvestor ... a thoughtful discussion of investment process and execution (done in a succinct and easily understandable manner). What a contrast to consensus Fin TV. @KeithMcCullough @SamofAmerica @HedgeyeDJ @hedgeye
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...
Only 30 Stocks Generate 43% of Market Gains
From Hendrik Bessembinder's updated report: Only 30 stocks (out of 29,000) have produced 43% of wealth creation since 1926 Some will say this is why you just buy a market cap weighted momentum index like the S&P. I would say it proves...
401k Caps Limit; Real Estate Offers Unlimited Growth
A 401k caps your contribution at $24,500 a year. Real estate has no cap. One was designed for the wealthy. The other was designed for employees.
Family Wealth Conflicts Are Inevitable—Here’s How to Resolve
Money talks, but family bonds speak louder. Let me share why family fights about wealth aren't just normal - they're expected. And more importantly, how to fix them. 1/22🧵
Wisconsin Lets Couples File Separately Federally, Jointly Statewise
I was today years old when I learned there is a state out there that allows you to file separately at the federal level and jointly at the state level. Thanks, Wisconsin. Your married physicians seeking PSLF really appreciate you. #TaxTwitter
Extending Tax Deduction Deadline to April Boosts Giving
If you could make charitable deductions until April instead of having to remember in December I feel like there would a significant boost in the giving spirit
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...
Founder‑led Companies Crush S&P Returns with Long‑term Focus
Data from Bain & Company shows that indexed total shareholder returns for founder-led firms vastly outperform the rest of the S&P 500. Why? ✅ Long-term obsession > Quarterly smoothing ✅ Willingness to pivot fast ✅ "Founder's Mentality" Is your portfolio weighted toward founders?
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
First Weekly Portfolio Shift Signals Make-or-Break Moment
(PREMIUM) "Tactical Update: April 6, 2026 - Make or Break..." First portfolio change of the week... via The Lyons Share https://t.co/Erxetrw4KU https://t.co/0Xl1grhOeJ
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...
Commodity QIS: Hidden Engine of Systematic Returns
Commodity QIS: An Under-Appreciated Source of Systematic Returns? (S7E29) In this episode I speak with Faheem Osman, Managing Director and Global Head of QIS Structuring at Macquarie Group. Faheem has spent nearly two decades inside major investment banks — first at Citi,...
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:
Improvement Outperforms Quality: Upgrade Beats Stable Greats
The most important chart in all of investing? Michael Mauboussin’s data shows that improvement beats quality every single time. ✅ Buying an optically "Bad" company that becomes "Great": +33% TSR 📈 Buying a "Great" company that stays "Great": +20% TSR ❌ Buying a...
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...
Best Investors See Corrections as Opportunity, Not Panic
Every correction is different, but investor behavior doesn’t change. Bad investors panic and sell. Good investors get nervous but hold. The Best investors get excited about potential opportunities. https://t.co/YtG3rq0fnN
Turn Your HSA Into a Tax‑Free Compounding Machine
91% of people use their HSA wrong. Here is how to turn this account into a tax free compounding machine. 👇
Stick to Quality: 27 Years of Market‑Beating Returns
Francois Rochon has beaten the market over the past 27 years He built his edge by staying within his circle, focusing on quality businesses that grow above the rate of the market, and avoiding terrible businesses with poor economics Learn more about...
Patience Pays: Hold Through Temporary Investment Dips
Your investments can go down for months before delivering any gains. In fact, most of my biggest winners were down for 3 to 12 months before turning around. Do not beat yourself up if something you bought drops for a while. A common...
Accumulate, Don't Trade; Long‑term Holding Builds Wealth
Too many people trade. Too few people accumulate in a secular trend (especially through weakness) and allow it to compound. There are very few rich traders but there are many, many rich people who owned assets for longer time horizons. Zoom...
Gold Outshines Stocks; Don’t Ignore Bullion Now
Other than Japan's 34 years & 2 months to nominally return to its late 1980s highs, still losing to inflation. Gold bullion, on a relative & % performing basis, crushed those 2 past US Stock bubbles for years that followed. Bet...
Static Bond Portfolios? JOJO Offers Dynamic Yield Rotation
Financial advisors: your clients' bond portfolios are probably static. Same exposure in every environment. $JOJO rotates between high yield and Treasuries. That's differentiation. https://t.co/9yp8ZpcIhr
Consistent Quality Investing Turns Dividends Into Freedom
In 2014 I started investing with almost nothing. Today my dividends cover 85% of my monthly expenses. Not because I picked the right stocks at the right time. Because I kept buying quality businesses and let the compounding do its work. Year 1 felt...
Focus on Your Finances, Not Market Noise
The stock market feels disconnected from reality, but YOUR finances shouldn’t be. Control what you can: 📌 spending 📌 savings rate 📌 asset allocation Ignore the noise.
Prioritize Savings: Emergency Fund, Match, Debt, Then Investing
"I don't know how to prioritize my money" Here’s a good rule of thumb: 1. Build emergency fund (3-6m) 2. Sign up for the 401k/403b match 3. Pay off high interest debt (7.25%+) 4. ESPP (if applies) 5. HSA (if eligible) 6. Roth IRA 7. Max out 401k/403b 8....
UK Tax Allowances Reset Tomorrow—Prepare Your Finances
Allowances, reliefs, and tax rates reset tomorrow in the United Kingdom. That includes: ¬ ISA allowance ¬ Dividend allowance ¬ Capital Gains allowance ¬ Savings income allowance ¬ Personal allowance ¬ Income tax rates ¬ Corporation tax rates ¬ And more Make sure you’re prepared for any upcoming changes. They...
Holding Excess Cash Lets Inflation Eat Your Gains
If you keep too much cash, you risk falling behind inflation and missing out on potentially high returns in the stock market. https://t.co/99plwWnwHW
Invest in XLV and IHE for Resilient Healthcare Hedge
🚨During times of uncertainty (I predict next year not this year) 2 ETFs TBL will be focusing on (full disclosure we’re already in 1 of them) XLV (healthcare etf) IHE (pharmaceutical etf) Why? Simple they both have 2 stocks in...
Proactive CPA Communication Strengthens Advisor Trust During Tax Season
In this episode, we talk in-depth about how Steven finds that proactive communication (to avoid surprises when tax filing season arrives) is one of the keys for financial advisors to build trusting relationships with CPAs, why Steven thinks such communication...
Same Mortgage, Different Mindset: Debt Can Build Wealth
The 30-year mortgage was designed to keep you in debt your whole life. The wealthy figured out how to use that same debt to build wealth. Same tool. Different mindset
Choose Better, Not More: Long-Term Investing Wins
The secret to stock market success isn’t trading more, it’s choosing better. Learn how long-term investing and patient decision-making can help you outperform and grow your wealth over time.
Markets Rebound Every Crash—Stay Focused Long Term
The stock market went down: • 49% in 2000 • 55% in 2008 • 35% in 2020 • 27% in 2022 • 23% in 2025 But it recovered every single time so far. There will always be short term volatility. That’s totally normal and healthy. Focus on...