Top Asset Manager Pushes Bitcoin as Small‑Dose Diversifier
Here’s how *world’s largest* asset manager is positioning bitcoin… “Non-sovereign global decentralized asset that can really provide value to people’s portfolios in small doses.” Hammering the “bitcoin as a portfolio diversifier” message. Trying to turn btc into boomer candy. https://t.co/BPP7qpMel5
Long‑Only Portfolio Profits Even in Down Market
Good day for The Fam and the process, making money in our Long Only Portfolio in a down tape *You can see ALL my ETF positions via Macro Pro and Portfolio Solutions daily https://t.co/lTXupV1ZGs
Track Home Improvements to Maximize Tax-Free Gain
Weird and important tax things to know about selling your house: - Keep a record of any capital improvements you make to your house. This increases your basis and reduces taxes when you do sell your house - If you make money...
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...
Earn 6% Yield Renting Equity’s Cash Machine
You’re basically renting the same cash generating machine equity holders own, just higher in the stack while getting an over 6% yield. Real ones know there is likely upside as well. Interesting for income seekers.
Shift From Tax Prep to Strategic Wealth Building
Most people drive their business looking in the REARVIEW mirror. Tax Prep is just reporting history. 📉 Tax Strategy is designing your future. 🚀 If you only talk to your CPA in April, you’re missing out on the moves that build generational wealth....
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
JOJO Fund Survives Tough Market, Signal Still Works
I've spent years building $JOJO through a market that punished every bond strategy on the planet. The fund is still here. The signal still works. I'm asking you to look at it. @leadlagreport https://t.co/Yf5AlkpIwg
Price Appreciation, Not Dividends, Drives Equity Returns
From Al Rappaport's paper, "Dividend Reinvestment, Price Appreciation and Capital Accumulation": "Do dividends rather than price appreciation really dominate equity returns? To the contrary, I will show that price appreciation is the sole source of investment returns that increase accumulated...
New 11%+ Yield ETF Boosts High‑Yield Portfolio
It is officially Dividend Week. Why Dividend Week? Because I’m obsessed with one thing: increasing the value that Dividendology provides. And over the past few months, I’ve been working on something behind the scenes that ties directly into that. Recently, we added an ETF...
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.
Three Core Family Office Archetypes: Founder, Administrative, Philanthropic
Family Office Archetypes Family Offices come in all shapes and sizes, but there are common themes 1. The Founder’s Family Office Where the visionary who created the fortune still calls the shots • FO created after founder's...
Record Highs Test Discipline, Not Just Profit
I fast regularly — not for health metrics, but for discipline. You choose to sit with discomfort when relief is available. You make decisions on a longer time horizon than your immediate craving. As of April 17, the S&P 500 is at...
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
Vanguard's NY Municipal Fund Offers Triple Tax-Free Returns
About a year ago, Vanguard launched a municipal bond fund for New York residents ticker $MUNY that is triple tax free for New York residents with a low expense ratio. Seems pretty good.
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
Invest in Untapped Operating Leverage for Hidden Profit Explosions
My favorite type of investment? Businesses with embedded operating leverage that hasn't fully flexed yet. The market is notoriously bad at pricing long-term optionality. It sees the red line and the green line moving together today, but misses the "breakout"...
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
Educating Seniors to Safeguard Their Money and Taxes
I want to help protect seniors/their money via education and in person workshops. I have personal experience w/my beautiful dad, am a #CPA in TX/FL and have a teachers heart. Manage #financial risk. Add #tax tips. What are others doing?...
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...
Investing at Market Peaks Beats Timing Any Other Day
Are you ready to have your mind blown? Since 1989, money invested when the market is at all-time highs has actually outperformed money invested on any given day. 🤯🤯🤯 https://t.co/qDhqxMLUZg
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
Germans Shift €5.5bn From Stocks to €18bn Funds
Good Morning from Germany, where investors are moving money out of individual stocks and into investment funds. In Q4 2025 alone, Germans pulled €5.5bn from individual stocks, the largest outflow in more than a decade. At the same time, they...
US Tech's Edge Fades; Global Markets Take Lead
To outperform MSCI World Index was easy in the past due to the following: US mkt was outperforming rest of world US tech was outperforming US market Mag7 plus a few more similar stocks were outperforming US tech So you bought 5-7 US tech...
Independence First, Wealth Follows Through Patience
Charlie Munger never set out to become a billionaire. He just wanted to never need permission from anyone. The money? That came from the same place the independence did — patience, compounding, and not doing dumb things. Financial freedom isn't a destination. It's...
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 —...
HSAs’ Triple Tax Benefit Can Be Outweighed by HDHP Costs
Why Health Savings Accounts (HSAs) Aren’t Always Worth The ‘Triple Tax Savings’ Advantage: https://t.co/6zrY3GAuEd HSAs require individuals to be covered by a High Deductible Health Plan (HDHP), which has tradeoffs compared to traditional health insurance plans. While HDHPs are often expected to...
Borrowing Against Assets Is Not Income, It's Debt
Borrowing against your own assets isn’t income. It’s the opposite of income since you have to pay it back with interest. Don’t believe me? Quit your job and live off a home equity loan. See how long that works for...
Even the Clueless Can Thrive with Low‑fee Index ETFs
Someone dumber than you is getting rich by just investing in a low fee index etf
Financial Checklist for 35: Essential Steps
By age 35 you should have: - A maxed Roth IRA - 1-5 low cost ETFs - A zero based budget - $0 non mortgage debt - Auto investments on payday - 4-6 months expense in a HYSA - Term life insurance for dependents What am I...
Black Families Lose $2.1T Due to Trust Fund Ignorance
Sometimes I care enough to make yall real cntent but who has time to curate this every day when you are actually actively sustaining wealth for over 60 black families. I had been called to personally set up 1,000...
Get My Tax Savings Toolkit for 2026 Wealth
Comment “toolkit” and I will send you my full Tax Savings Toolkit to show you how to use this and other strategies to save on taxes and build wealth in 2026
Silence Cost Siblings $1.8 Million in Lost Growth
$1.8 million. Sitting in a joint estate account for 2 years. 3 siblings. One dad, now gone. Nobody at the dinner table wanted to be the one to raise it. So nobody did. Here is what 2 years of silence actually cost them.
Begin with a Family Mission, Then Build Trusts
Start with a family mission statement. Core values, governance documents, who gets what and when. Once that is in place, the legal structures follow naturally. Trusts are just contract law and the options are wide. Dynasty trusts, spendthrift provisions, three...
AI-Created Crypto Portfolio Beats DIY Returns
I gave Claude $10,000 and it build a portfolio for me, including a dashboard to manage my #Crypto portfolio. The main question: is it better or worse than building a portfolio myself? Watch the update here: https://t.co/vevtO3nDS0 Thanks to @DepoCoin, sponsor of this...
High Income, High House, Cash Drain: A Financial Trap
You’re 34, $280k TC, dual income, 1 kid. $300k in your 401k. $12k in checking. You just bought a $950k house. 20% down wiped your cash. Mortgage + taxes + childcare = $8,400/mo. **Here’s the trap**:
Profit From Microcap Extremes: Buy Low, Sell High
Investor expectations swing wildly in most microcaps from euphoria to despair and vice versa which results in the stocks swinging wildly. It's on the extremes where the astute stock picker knows when to buy and sell and take advantage of...
Five Funds Rarely Provide True Diversification
5 funds. That's what most clients are told is a diversified portfolio. 5 funds is almost never diversification. Open them up and you usually find the same 30 stocks repeated five ways.
Grumpy Old Men’s Playbook: Gold, Real Assets, Bearish Outlook
Perfect newsletter for grumpy old men: • Complain about western politicians • Buy gold because inflation is out of control • References to the South Sea bubble and 1929 • Buy real assets: mining / shipping / oil & gas • Lean bearish, because...
Bitcoin Strategy Delivers 38% Growth, 1% Monthly Returns
Since 2020, this strategy has never liquidated collateral and has grown client Bitcoin holdings by 38 percent. Put in 100 Bitcoin, you have 138 Bitcoin today. The returns are in Bitcoin, not dollars. Assets custody at Fidelity through 2 Prime. Average...
Permanent Death‑tax Relief Paves Way for Full Repeal
This is what two generations of steady work gets. Lesson for other issues. Now death tax relief is permanent thanks to the Working Families Tax Cuts. As a result, it’s much easier to kill the death tax now compared to...
Recent Dip Fuels Multi‑
The past 3-6 month provided opportunities for all 6 accounts. 401k 403b 529 lower prices helped long term average cost. BOS account carved out 7% Swing account got active again when $SPX & $qqq reclaimed the 8/21day Active account is active same...
Know Your 401k Vesting Schedule Before You Quit
If you have a 401k, you need to understand vesting rules. It means how long you need to be employed to receive your employer’s match (your money is always yours) Common vesting schedule is ~33% per year for 3 years Check your vesting...