Warren Buffetts’s solution to end the US government shut down: "I could end the deficit in five minutes. You just pass a law that says that any time there’s a deficit of more than three percent of GDP, all sitting members of Congress are ineligible for re-election." Do you agree with him?

People who locked in mortgages at 2% in 2021.

This is what $108 from Aldi gets you:

Costco is building apartments above its stores to address the affordable housing crisis, starting early this year. Walking downstairs and getting a $1.50 hot dog gives new meaning to “affordable walkability.” It includes free membership, a rooftop pool, fitness area, gardens/ courtyards, and a community space. Los Angeles is the first residential complex with 800 apartments and a built-in store. Would you live in Costco?

People who locked in a 3% mortgage in 2021:

This is what $107 gets you from Aldi

Age at first $1 Billion: • 23 Mark Zuckerberg • 31 Bill Gates • 33 Tiger Woods • 34 Rihanna • 35 Jeff Bezos • 40 Mark Cuban • 41 Elon Musk • 49 Oprah • 50 Jay-Z • 51 Michael Jordan • 56 Warren Buffett 1 important lesson from each:

People who locked in a 3% mortgage for 30 years

Mastering Profit and Loss ‼️

You're LEGALLY entitled to compensation for flights canceled or delayed — Here's what you say: Save this script to complain via email, chat, text, or phone: "Hi, my name is [Your Name], and I'm reaching out to request compensation for my flight from [Origin] to [Destination] on [Date], which was [delayed/canceled]. I understand that flights can sometimes be delayed or canceled due to unforeseen circumstances, but I am entitled to compensation for the inconvenience caused by this [delay/cancellation]. I have attached copies of my ticket and any relevant receipts or documentation, including expenses for meals, accommodations, and transportation incurred due to the [delay/cancellation]. I would appreciate it if you could please review my case and provide me with a response as soon as possible. Thank you for your attention to this matter." When flights are canceled or delayed, you're legally entitled to: • Refunds • Alternate transportation • Compensation for additional expenses • Reimbursement for flight-related expenses In the U.S., the Department of Transportation (DOT) requires airlines to compensate passengers for delays and cancellations. The DOT's rules do not specify an amount but require airlines to provide meals, accommodations, and transportation to and from the airport. Under European Union (EU) regulations, if your flight is canceled or significantly delayed, you may be entitled to compensation from the airline if the delay or cancellation was within the airline's control. The first thing you should do is contact the airline to determine your options. • If your flight has been canceled, many airlines offer to either reschedule your flight later or provide a full refund for the ticket. • If your flight has been delayed, many airlines offer compensation or assistance, such as meals or hotel accommodations, depending on the length of the delay and the circumstances. If you experienced a significant delay or other inconvenience, you may be able to receive additional compensation to cover any additional expenses you incurred as a result. If you cannot find a satisfactory resolution, you can file a complaint with the Department of Transportation. Save this cheatsheet:

If you win tonight's $760,000,000 lottery jackpot (8th largest in history) here are 7 things to do ASAP: 1) Don't sign the ticket (first set up a trust to stay anonymous & protect your assets) 2) Don't tell anyone. Don't be a victim of robbery or death. 3) Hire 6 experts ASAP:

This is the definition of broken: United States housing data shows home sellers now exceed buyers by over 500,000, the largest imbalance ever recorded, per Redfin. Do you realize what's happening?

Age at first $1 Million: • 20 Beyoncé • 23 Steve Jobs • 26 Bill Gates • 26 Michael Jordan • 26 Jay-Z • 27 Elon Musk • 29 Naval • 30 Warren Buffett • 32 Oprah • 34 Gary V • 33 Jeff Bezos 1 important lesson from each:

Master time management:

Never let a job steal your life, use your salary to invest in passive income so that passive income replaces your salary. Here are 7 popular ways to create passive income:

$30,000 is the cost of the average wedding, 4 hours is the length of the average wedding. Taking out a $30,000 loan to pay for a 4-hour wedding is crazy to me.

Age at first $1 Billion: • 23 Mark Zuckerberg • 31 Elon Musk • 31 Bill Gates • 32 Rihanna • 35 Jeff Bezos • 35 Steve Jobs • 39 Beyoncé • 40 Oprah • 42 Jay-Z • 51 Michael Jordan • 56 Warren Buffett 1 important lesson from each:

No car payments 700+ credit score $0 credit card debt 6-figures in the bank 2-3 rental properties 6-month emergency fund $100,000 in your Roth IRA Multiple streams of income Claim it.

Never allow a job to steal your life.

BREAKING: Warren Buffett just updated his investment portfolio. He has $280 Billion invested in these 41 stocks:

“50-year mortgages. A cutting edge strategy to the housing crisis. You only pay $500,000 more in interest but it’s $600 less each month”

Never let a job steal your life

You just had to be there.

Never let a job steal your life. Layoffs this year: • UPS: 12,000 • Meta: 11,000 • FedEx: 12,000 • Google: 12,000 • Amazon: 27,000 • Walmart: 12,000 • Citigroup: 20,000 • Microsoft: 10,000 Job security is an illusion. Never feel guilty about leaving your job for a better opportunity.

I've used Microsoft Excel for 20 years, and these 20 tips & functions will make you an expert and increase your productivity 100X📊 Don't ever use Excel again without knowing these 20 tips & functions:

Profit and Loss:

US States with no State Income Tax: • Texas • Alaska • Florida • Nevada • Wyoming • Tennessee • Washington • South Dakota • New Hampshire Would you live in any of these States?

You see the BMW but not the $70,000 car loan. You see the trip to Bali but not the $10,000 credit debt. You see the designer clothes but not the $0 Roth IRA. Social media is an illusion. Don't be fooled by what you see.

99% of people don't ask good questions at the end of job interviews. Here are 10 questions I used to get hired by JP Morgan, Goldman Sachs and Citi:

Every job interview ends with Q&A But most people never ask questions at the end of job interviews Here are 10 questions I used to get hired at JP Morgan, Goldman Sachs and Citi:

Age at first $1,000,000: • 18 Beyoncé • 26 Jay-Z • 23 Steve Jobs • 27 Elon Musk • 29 Naval • 30 Michael Jordan • 31 Bill Gates • 32 Warren Buffett • 32 Oprah • 34 Gary V • 35 Jeff Bezos 1 lesson from each (to develop a millionaire mindset):

I've been hired by JP Morgan, Goldman Sachs, Citi and received many other job offers, because I was prepared for the job interview, not because I was the "smartest" Here are 10 commonly asked interview questions, and how to prepare for each, so you stand out and get an offer:

The root of procrastination isn't laziness, it's anxiety. If you struggle with procrastination, read this:

President Trump’s 50-year mortgage explained:

The cost of procrastination is the life you could’ve lived. If you suffer from procrastination, read this:

Don’t let a job steal your life

I've worked 15+ years in Finance and am an expert in Microsoft Excel, here are 12 Excel tips & functions that will increase your productivity and make you feel like an expert: Don't use Excel again without knowing these 12 tips & functions:

Mastering Time Management:

People who locked in a 3% mortgage in 2021:

You need 3 daily wins:

1997: Apple loses $1 Billion 2023: Apple makes $1 Billion every 3 days Today: $AAPL launches a new savings account paying 4.15% (10x the national average) with NO fees or minimums The era of Banks paying 0.01% is over Here is why Apple will become one of the biggest "Banks":

Car prices are about to drop, an oversupply of vehicles will lead to manufacturers slashing prices. There are too many cars and not enough buyers. UBS reports that the production of cars is outpacing sales by 6%, this leaves about 5 million cars just sitting around, unsold. To sell these cars, manufacturers might have to cut prices. Data also shows that vehicle prices have fallen for three straight months. This is good news for consumers, who will be able to find great deals on new cars. However, it is bad news for automakers, who will see their profits squeezed.

If you don't take advantage of AI tools you're going to be left behind. Here are 20 must-know AI tools, to work smarter, not harder in 2023 (and finish hours of work in seconds):

Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 ways to create passive income systems:

10 finance movies you should watch this weekend: 1. The Big Short

The “middle-class” debt trap: New Car: $65,000 Wedding: $40,000 Mortgage: $600,000 Student Loans: $150,000 $800,000+ in debt before 30. Society is built on getting you into a lifetime of debt. Break free.

I've been hired by JP Morgan, Goldman Sachs and Citi, and received job offers from many others. Here are 10 common interview questions and tips for answering each so you stand out & get a job offer: 1) What sets you apart from other candidates? 🧵1-10 with tips for each:

The S&P 500 is up 57% since Michael Burry said, "Sell."

Use your salary to invest in passive income, so that passive income replaces your salary. 💰Let's breakdown 4 ways to create passive income & change your life:

Microsoft Excel Shortcuts A to Z, to maximize your productivity (bookmark these for later): CTRL + A ➡️ Select All CTRL + B ➡️ Toggle BOLD (font) CTRL + C ➡️ Copy CTRL + D ➡️ Fill Down CTRL + E ➡️ Flash Fill CTRL + F ➡️ Find CTRL + G ➡️ Go To CTRL + H ➡️ Find and Replace CTRL + I ➡️ Toggle Italic (font) CTRL + J ➡️ Input line break (in Find and Replace) CTRL + K ➡️ Insert Hyperlink CTRL + L ➡️ Insert Excel Table CTRL + M ➡️ Not Assigned CTRL + N ➡️ New Workbook CTRL + O ➡️ Open CTRL + P ➡️ Print CTRL + Q ➡️ Quick Analysis CTRL + R ➡️ Fill Right CTRL + S ➡️ Save CTRL + T ➡️ Insert Excel Table CTRL + U ➡️ Toggle underline (font) CTRL + V ➡️ Paste (when something is cut/copied) CTRL + W ➡️ Close the current workbook CTRL + X ➡️ Cut CTRL + Y ➡️ Redo (Repeat last action) CTRL + Z ➡️ Undo

Mortgages are now 7.5% People who locked in 3% mortgages in 2021:

Top Cities people are moving to: 1. Phoenix, AZ 2. Dallas, TX 3. Austin, TX 4. Denver, CO 5. Charlotte, NC 6. Las Vegas, NV 7. Tampa, FL Top Cities people are moving from: 1. New York City, NY 2. Los Angeles, CA 3. Chicago, IL 4. Washington, D.C. 5. San Francisco, CA 6. Seattle, WA 7. Boston, MA Would you live in any of these Cities?

Taxes will be the biggest expense in your lifetime, so strategic tax planning is a must. Tax code is 75,000+ pages, the wealthy use every page of it to legally avoid taxation and you should too. Here are 7 tax tips to save you thousands:

Master Time Management

I'm an expert in Microsoft Excel and used it for 15 years working in finance. Here are 10 tips & functions to increase your productivity 100X and make you feel like an expert:

Every job interview ends with a Q&A. But 99% of job applicants don’t ask good questions. Here are 10 questions to get more job offers:

11 Microsoft Excel functions to make you an expert: (1) XLOOKUP (2) Pivot Tables (3) Goal Seek (4) Sparklines (5) IF (6) SUMIFS (7) COUNTIFS (8) Index Match (9) VLOOKUP (10) Transpose (11) Wildcards 🧵Examples of each formula:

How does the 16th largest bank in America collapse in 48 hours? Can this happen to your bank too? I've worked in Banking for 10 years so let me explain WHY the Silicon Valley Bank failure happened, and how it impacts YOU:

From age 20-50, I can't stress this enough:

Many don't realize the importance of Silicon Valley Bank to the economy & the ripple effects coming SVB's failure is the beginning of a domino effect throughout tech & start-ups I've worked in banking for 10+ years so let me explain why you should care & what it means for you:

Never ever let a job steal your life.

Learn to control your mouth, mind, and mood.

I've been hired by Goldman Sachs, JP Morgan Asset Management and Citi to name a few. Here are 10 commonly asked interview questions and how to prepare for each so you stand out & get an offer: 1) What sets you apart from other candidates? 🧵1-15 with advice on each:

BREAKING: China & Brazil have agreed to trade in their own currencies, ditching the US dollar. If more countries start to trade in their own currencies, it could reduce the demand for the dollar. This could lead to a weaker dollar. Here’s everything you need to know:

The most important investment you can make is an investment in yourself. The more you learn, the more you can earn ― Warren Buffett

A Roth IRA's can make you a tax-free millionaire in retirement, it's the ultimate tax loophole but less than 10% of people actually have one. Here is everything you need to know about Roth IRAs:

I've used Microsoft Excel for 15 years working in Finance and these 10 tips will make you an expert (and increase your productivity 100X) 📊Don't ever use Excel again without knowing these 10 functions:

Teaching children about money should be part of parenting because most schools won't do it. Here are 10 finance terms everyone should know:

If you win this week's $650 Million lottery jackpot (the 10th largest in history), here are 6 things to do ASAP: 1) NEVER sign the ticket (because you want to set up a trust & stay anonymous) 2) NEVER tell anyone so you don't become a victim of robbery, extortion or death

Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 popular ways to create passive income:

AI-generated images of "The Office" in "Grand Theft Auto": 1) Michael Scott:

Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 passive income streams to build wealth:

A $400,000 mortgage is $3,000 per month today. A $400,000 mortgage was $1,500 per month in 2021. $1,500 more a month for the same house. Wild.

We don’t need 50-year mortgages. The U.S. already has $13.1 trillion in mortgage debt, a record high. Ban hedge funds from buying homes.

Roth IRAs can make you a tax-free millionaire in retirement, but only 10% of people actually invest in one! Roth IRAs are the ultimate tax loophole so here is everything you need to know about investing in one:

Your job can now match your Student Loan Payments as 401(k) contributions, due to a new law. This is HUGE for millions struggling with debt. Here's everything you need to know:

A Roth IRA can make you a millionaire and you'll pay $0 taxes (but less than 10% of people actually own a Roth IRA) ~30% of people have $0 retirement savings (and Bloomberg estimates $3 to $5 million is needed for retirement) Here's everything you need to know about Roth IRAs:

I've used Microsoft Excel for 20 years and these 10 functions will make you feel like an expert (so don't use Excel again without knowing them):

YouTube is free education. But there are over 38,000,000 channels and 99% don't know the best channels. Here are 10 channels to make you smarter (and teach you new skills):

10 finance movies that will make you smarter: 1. The Big Short

Become an Excel Guru in 5 minutes with these 20 Must-Know Functions to Maximize your Productivity 100x:

If you don't take advantage of AI tools in 2023 you may get left behind. Here are 10 must-know AI tools to increase your productivity 100x and finish hours of work in seconds:

Taxes are your biggest expense in life so strategic tax planning is a must, pay your legal share and not a dollar more. Tax code is over 75,000 pages and the wealthy use every page to legally avoid taxes (and you should too) Here are 7 tax tips that can save thousands:

I can accept failure because everyone fails at something, but I can't accept not trying ― Michael Jordan

When you win the $1.9 Billion lottery jackpot, here are 6 things to do ASAP: 1. Don't sign the ticket yet 2. Keep quiet & don't tell anyone 3. Make copies of the ticket then hide it somewhere safe 4. Hire these 5 professionals ASAP:

By age 30 you should have: • A budget • A Roth IRA • Term life insurance • $0 credit card debt • A 3-6 month emergency fund • At least two streams of income • A HSA (health savings account) • Basic knowledge of personal finance What would you add?

Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 common ways to create passive income:

The most important job interview question of all time: "Tell me about yourself" Here's how to prepare a great answer (and get a job offer):

Age at FIRST $1 Billion: • 31 Bill Gates • 33 Tiger Woods • 34 Rihanna • 35 Jeff Bezos • 41 Elon Musk • 48 Ralph Lauren • 49 Oprah • 50 Jay-Z • 51 Michael Jordan • 56 Warren Buffett • 58 Ray Dalio 💰Advice from each to develop a billionaire mindset:

2023 Tax Tip: If you own a business & have kids under 18, you can pay them $13,850 tax-free and deduct it from your taxable income Your child will owe $0 in taxes and you legally avoided tax on $13,850 Then invest their first $6,500 in a tax-free ROTH IRA. Let's discuss this:

The only thing between you and success is self-discipline. If you lack discipline, read this:

When the average first-time buyer is almost 40, the “American Dream” is an illusion.

Top 7 Cities people are moving from: 1. New York City, NY 2. Los Angeles, CA 3. Chicago, IL 4. Washington, D.C. 5. San Francisco, CA 6. Seattle, WA Top 7 Cities people are moving to: 1. Phoenix, AZ 2. Dallas, TX 3. Austin, TX 4. Denver, CO 5. Charlotte, NC 6. Las Vegas, NV 7. Tampa, FL What else should be on this list?

BREAKING: The National Association of Realtors is eliminating the 6% realtor commission. Here’s everything you need to know: With the end of the standard commission, real estate agents in the United States will now have to compete for business and likely lower their commissions as a result. This could lead to a 30 percent reduction in commissions, driving down home prices across the board. Real estate commissions total around $100 billion per year in America. With commissions potentially dropping 30%, that could put tens of billions of dollars back in the pockets of American home buyers and sellers every year. A seller of a $500,000 home could save $9,000 or more on a 3% commission instead of 6%. This is expected to drive down housing costs and significantly impact the U.S. housing market. Housing experts predict that this could trigger one of the most significant jolts in the U.S. housing market in 100 years. Economists estimate that this change could save American homeowners billions of dollars annually. My advice - if you're selling a home soon, consider waiting to list until new lower commission models emerge to save thousands. Or negotiate commission rates aggressively.

You're LEGALLY entitled to compensation for flights canceled or delayed — Here's what you do: Many flights are canceled or delayed, but you are legally entitled to: • Refunds • Alternate transportation • Compensation for additional expenses • Reimbursement for flight-related expenses In the U.S., the Department of Transportation (DOT) requires airlines to compensate passengers for certain delays and cancellations. The DOT's rules do not specify an amount, but they require airlines to provide meals, accommodations, and transportation to and from the airport. Under European Union (EU) regulations, if your flight is canceled or significantly delayed, you may be entitled to compensation from the airline if the delay or cancellation was within the airline's control. Use this script to complain via email, chat, text or phone: "Hi, my name is [Your Name] and I'm reaching out to request compensation for my flight from [Origin] to [Destination] on [Date] which was [delayed/canceled]. I understand that flights can sometimes be delayed or canceled due to unforeseen circumstances, but I believe I am entitled to compensation for the inconvenience caused by this [delay/cancellation]. I have attached copies of my ticket and any relevant receipts or documentation, including expenses for meals, accommodations, and transportation, which were incurred as a result of the [delay/cancellation]. I would appreciate it if you could please review my case and provide me with a response as soon as possible. Thank you for your attention to this matter." The first thing you should do is contact the airline to determine your options. • If your flight has been canceled, many airlines offer to either reschedule your flight for a later date or provide a full refund for the ticket. • If your flight has been delayed, many airlines offer compensation or assistance, such as meals or hotel accommodations, depending on the length of the delay and the circumstances. If you experienced a significant delay or other inconvenience, you may be able to receive additional compensation to cover any additional expenses you incurred as a result. If you are unable to find a satisfactory resolution, you can file a complaint with the Department of Transportation.

Monthly mortgage on a $500,000 home today: $3,500 Monthly mortgage on a $500,000 home in 2021: $2,000 $1,500 more per month for the same home. Wild.

I've used Microsoft Excel for 20 years and these 10 tips will make you an expert & increase your productivity 100X Don't use Excel again without learning these 10 functions:

The rich avoid taxes with a strategy “Buy, Borrow, Die”: 1) Buy assets & hold (to avoid capital gains tax) 2) Use assets as collateral to borrow money (while assets appreciate) 3) Interest paid on loans is a tax deduction 4) Die & pass on assets tax-free Let's discuss this: