Someone who’s a real expert in their field can explain something in a way anyone can understand.

If they can’t, they don’t know what they’re talking about or they are over complicating it to take advantage of you.

I used to think that acts of service was my love language but now I realize I responded to that because I was chronically burned out. I now value quality time preferably somewhere that requires a plane ticket.

Guess who’s paying a $550 invoice for a plumber? Not me! Landlord is paying it.

This is why I love renting. My costs are fixed. Hers aren’t.

Y’all! Furnishing a home from scratch is expensive 😅 To be fair, this is the first time I’m not buying furniture from Ikea or Wayfair.

I’m tracking the cost of everything. I gave myself a $25K budget and I’m about to go over it. Do y’all know how expensive it is to hire…

Getting paid $15,044 from your own money is wild!

Dividends YTD:

Vanguard
Brokerage: $11,985
Solo 401K: $781

Fidelity
Brokerage: $517
IRA: $1627
Roth IRA: $134

How most people feel about their investments: “I don’t know how much is enough, but I know I don’t have enough.”

Not only is this unhelpful, it’s also demotivating. Knowing how much is enough & how to get there is an essential step to becoming financially secure.

Why do Americans find it so hard to believe that other Americans can find happiness outside of the US? And why do they take it personally & get so offended when people talk about moving abroad?

Xenophobia will age you prematurely & give you acid reflux. Y’all be safe.

Should you invest in a Traditional (pre-tax) or Roth account?

It depends on your tax bracket:

10-12%: Roth

22-24%: Split

32-37%: Traditional

One way to lose a friend is by giving them unsolicited advice about money, relationships, or children.

Investing is so much more than just retirement.

Investing allowed me to start a business & quit my 9-5.

It helped qualify me for my Portuguese visa.

It allows me to financially support my mom.

It allows me to spend guilt free.

It gives me peace of mind knowing that I…

Employees are happier & more productive with a 4-day work week. The ideal schedule:

Mon
Tue
Wed OFF
Th
Fr
Sat OFF
Sun OFF

Here’s a top 1% worth shooting for.

If you read more than 5 books a year, you’re in the top 33% of readers.

More than 10? Top 21%

More than 50? Top 1%

Also, fiction readers have better empathy skills than non-fiction readers.

Index funds & ETFs that allow you to buy the entire stock market so you don’t have to stock pick and have an 8%+ yearly average return over time:

Vanguard: VTSAX, VTI
Fidelity: FZROX, FSKAX, ITOT
Schwab: SWTSX, ITOT

Everyone talks about how inflation or market returns will impact your retirement, but a major overlooked factor are your spending habits.

The data shows that retirees spend significantly less as they age which decreases your chances of your money running out:

65-75: -19%…

How to gift your child $1,000,000 tax free.

Invest into index funds using a custodial Roth IRA until it reaches $35,000.

Let that compound for 45 years.

The account is already in your child’s name & they can withdraw from it tax free once they’re 59 1/2.

Anyone who says a million dollars isn’t that much money doesn’t have a million dollars saved & invested.

If they did, they would know how hard it is to acquire this much money and they would never diminish that.

“Be fearful when others are greedy and be greedy only when others are fearful.” - Warren Buffett