I've published over 160 posts and grown my email to 5,000 subs since starting it 5 years ago. I'm still sending, but there is a lot of good content in the archives. Here is a handful of the best ones... Memes still included 🧵

Choosing to drive a $30k car vs a $60k car is a $400,000 decision. Let me explain:

Fidelity CD rates… Cash is no longer trash folks.

Fidelity CD rates. Wild times.

The recipe to be a millionaire. $262 a week in a S&P 500 fund. At an 8.5% return. For 25 years. You’ll have $1,034,000. It’s as simple as that.

The new Roth IRA max is $7,000 To max it out this year you have to invest. $582 a month. $134 a week. $19 a day. Make it happen.

Top 1% net worth by age. Pretty impressive numbers.

The new Roth IRA max is $6,500. To max it out this year you have to invest. $542 a month. $125 a week. $18 a day. Make it happen.

If you are in your 20’s you should be excited for this market. Because in 30 years none of this is going to matter.

Another Sunday, another lunch prep complete. $16.70 total. $4.18 per meal. Healthy and affordable.

Half the US can’t figure out how to get the NFL playoff game on Peacock But Bitcoin and blockchain is going to replace cash? 😅😅😅

"I'm too dumb to invest." No, you just need to learn about ETFs. $VOO - S&P 500 $QQQ - Nasdaq 100 $VTI - Total US Market $SCHD - US Dividend 100 Index Investing on easy mode.

Unpopular opinion Spending $5 a day on coffee isn’t what makes most people broke. It’s the $600 car payment, $300 credit card bill, and $2800 mortgage that does.

Another successful lunch prep for the week. $13.92 total for ingredients. $3.48/meal.

Rich people act broke to blend in. Broke people act rich to stand out.

Another successful lunch prep for the week. $23.24 total. $5.81/meal.

Flatbread master. Shelter architect. American hero. Luke is the man 🫡

The most underrated way to build wealth???? Get a job. No one is talking about this.

Monthly investment to become a millionaire at retirement. 20 - $95 25 - $184 30 - $340 40 - $1,052 50 - $3,155 The earlier you start, the better.

The 11 stock market sectors every investor needs to know:

Monthly investment to become a millionaire at retirement. 20 - $95 25 - $184 30 - $340 40 - $1,052 50 - $3,155 The earlier you start, the better.

10 of my favorite stocks to hold for the next 10 years. $V - Visa $SQ - Square $DIS - Disney $AAPL - Apple $GOOG - Google $AMZN - Amazon $MSFT - Microsoft $HD - Home Depot $JNJ - Johnson & Johnson $WM - Waste Management

Want to be a passive millionaire? Put $100 a week in a S&P 500 fund. At an 8.5% return. For 35 years. You’ll have $1,047,000. Set up automatic deposits and this requires ZERO time. And in a Roth IRA you’ll pay ZERO capital gains tax. You can’t beat this strategy.

A 20-year-old has the potential to become a millionaire in retirement by investing $187 a month. They only contribute $90,000. The other $910,000 is from compound interest. Wild. (Assuming a 10% annual return)

Roth IRA limits are expected to increase to $7,000 in 2024. That is $500 more than the current limit of $6,500. Maxed out over 30 years with an 8% annual return gives you another 60k tax-free in retirement. Sign me up.

$VOO Vanguards S&P 500 ETF has returned an average of 13.0% annually over the last 10 years. $VTI Vanguards Total US ETF has returned an average of 12.5% annually over the last 10 years. Pick one, and invest.

Officially a home owner 🙌

If Chick-fil-A ever IPOs I’m putting my whole account in it. Seeing a consistent line of 20+ cars is all the research I need.

Lunch prep for the week complete. $20.74 total. $5.19 per meal.

Vanguard has $6.2 trillion is assets under management and an app that looks like it was made for the original iPhone.

"I'm too dumb to invest." No, you just need to learn about ETFs. $VOO - S&P 500 $QQQ - Nasdaq 100 $VTI - Total US Market $SCHD - US Dividend 100 Index Investing on easy mode.

Industries of the future: - EV - 5G - Travel - Gaming - Robotics - Cannabis - Telehealth - Blockchain - Gene editing - Data security - Clean energy - Cloud computing - Space exploration - Artificial Intelligence What would you add?

Another successful lunch prep for the week. 4 meals. $18.26 total. $4.56/meal.

Healthy and affordable taco bowl meal prep. $20.65 total. $5.16/meal.

Black Friday deals you won't see in stores.

S&P 500 returns over the last 5 years 2019: +28% 2020: +16% 2021: +27% 2022: -19% 2023: +24% 2024: +23% Imagine not investing and missing this historic run.

Cubicle employee: $70k Electrician: $150k Society would have you automatically think the first is more successful.

Cubicle employee: $70k Electrician: $150k Society would have you automatically think the first is more successful.

$VOO Vanguards S&P 500 ETF has returned an average of 11.9% annually over the last 10 years. $VTI Vanguards Total US ETF has returned an average of 11.4% annually over the last 10 years. Pick one, and invest.

Steps to be a millionaire passively. 1. $100 a week into an S&P 500 fund 2. Repeat for 35 years Simple.

90% of my portfolio is invested in ETFs. Here are the top 6:

Dividend rundown: ETF edition $1,000 in $QQQ earns $6/yr $1000 in $VOO earns $16/yr $1,000 in $DGRO earns $25/yr $1,000 in $VYM earns $31/yr $1,000 in $SCHD earns $36/yr $1,000 in $JEPI earns $107/yr Which are you buying?

This year’s first meal prep. $22.62 for ingredients. $5.65 per taco bowl.

Brought back the taco bowl meal prep. $22.64 total. $5.66/meal.

Don’t spend money to show people that you have money.

Three steps to double your Christmas money. 1) Open a brokerage 2) Invest in $VOO 3) Wait 9 years Santa doesn't tell you this.

Vanguard ETFs can do it all: $VGT Tech $VUG Growth $VOO S&P 500 $VB Small Caps $VNQ Real Estate $VXUS International $VIG Dividend Growth $BND Total Bond Market $VYM High Dividend Yield $VTI Total US Stock Market These make investing simple.

The 4 types of stocks you need to know before investing: - Value Stocks - Dividend Stocks - Growth Stocks - Spec Stocks Here's each one explained:

The S&P 500 just went back-to-back. 2023 gain: +24% 2024 gain: +23% Hope you haven’t been “stacking cash.”

The stock market is the only sale people run away from. Don't ignore the discounts. Here are 10 stocks down 50%+ this year:

There are 82 Vanguard ETFs. But most investors only know about $VTI and $VOO Here are 3 under the radar ETFs to consider for your portfolio. — VDE - Energy While it isn’t the growth king, VDE offers a healthy dividend for investors. Inception Date: 2004 30 Day Div Yield: 3.2% 3 Yr Avg Annual Return: 50.4% 5 Yr Avg Annual Return: 8.5% 10 Yr Avg Annual Return: 3.4% Top 5 Holdings: Exxon, Chevron, ConocoPhillips, EOG Resources, Schlumberger — VIS - Industrials You might think industrials are boring, but there is nothing boring about the long term returns of VIS. Inception Date: 2004 30 Day Div Yield: 1.3% 3 Yr Avg Annual Return: 21.6% 5 Yr Avg Annual Return: 8.2% 10 Yr Avg Annual Return: 10.9% Top 5 Holdings: Raytheon, United Parcel Service, Honeywell, Union Pacific, Caterpillar. — VFH - Financials Worried about an individual bank going bust? Then consider buying a variety of them with VFH. Inception Date: 2004 30 Day Div Yield: 2.6% 3 Yr Avg Annual Return: 18.4% 5 Yr Avg Annual Return: 4.7% 10 Yr Avg Annual Return: 9.7% Top 5 Holdings: JPMorgan, Berkshire Hathaway, Bank of America, Wells Fargo, Morgan Stanley — Note the 3 year return numbers are inflated due to the March 2020 Covid crash. (yeah time flies) — If you found this helpful I'm sending out an email tomorrow going deeper into these three. Also, including two others that I think are Vanguard's most underrated ETFs. Click the link in my bio to get signed up and join 3,300 readers.

Not trying to jinx it but about to hit a big milestone in the traditional brokerage account. $100k club soon 🤞

Meal prepping is one of the easiest ways to save money. 7 meals. $26.65 total. $3.81/meal. (And it’s healthy)

ETFs vs Index Funds Here are the differences every investor needs to know:

Vanguard is stacked when it comes to ETFs. Total US Stock Market - $VTI High Dividend Yield - $VYM Total Bond Market - $BND International - $VXUS Real Estate - $VNQ Small Caps - $VB S&P 500 -$VOO Growth - $VUG Energy - $VDE Tech - $VGT Which one is your favorite?

Fidelity CD offerings. Rates are looking juicy.

"I'm too dumb to invest." No, you just need to learn about ETFs. $VOO - S&P 500 $QQQ - Nasdaq 100 $VTI - Total US Market $SCHD - US Dividend 100 Index Investing on easy mode.

Vanguard is an ETF beast. $VUG Growth $VOO S&P 500 $VTI Total US Stock Market $VYM High Dividend Yield $VIOG Small Cap Growth $VNQ Real Estate $VIG Dividend Growth $BND Total Bond Market $VXUS International (Non US) What’s your favorite Vanguard fund?

“Why do you invest?” So I can have the option to disappear in a place like this one day.

An HSA is triple tax-advantaged investing account. (the only of its kind) 1) Money goes in tax-free 2) Money grows tax-free 3) Money comes out tax-free Here are a few things to know about this powerful account:

$7,000 sounds like a lot to invest but here is the breakdown: $583 per month. $134 per week. $19.10 per day. Make this happen over 30 years in a Roth IRA with an 8% annual return. It turns into $820,000 tax free.

Dear Vanguard, Thank you for making great index funds and ETFs at a low cost. Sincerely, Every "average" investor

You could invest for a lifetime and only use these 5 Vanguard funds. 1. $VTI 2. $VUG 3. $VYM 4. $VNQ 5. $VXUS Some might say this is to simple. But you’ll still outperform 95% of people.👌

The 4 types of stocks you need to know before investing: - Value Stocks - Dividend Stocks - Growth Stocks - Spec Stocks Here's each one explained: -- Value Stocks Anyone new to the stock market needs to learn the basics of valuations, financials, management teams, cash flows, etc. Value stocks make this easier. Traits: - Low P/E ratio - Low P/B ratio - Low volatility Examples: $PG $BRK $FDX -- Dividend Stocks These can be great especially when starting early. Dividends are often referred to as “true passive income" as not many other things pay you for doing nothing. Traits: - Pay dividend - Medium volatility - Can double as value stocks Examples: $JNJ $MCD $SBUX -- Growth Stocks Typically these are stocks expected to grow revenues at least 10% annually. Look for businesses approaching new markets with large potential. Traits: - High P/E ratio - High P/B ratio - High volatility Examples: $TSLA $GOOGL $SHOP -- Spec Stocks This should be the smallest percentage in a portfolio. These have ultra high growth potential but carry large amounts of risk. When investing in these know it’s possible to lose 100% of your money. Traits: - Very high everything... -- Each of these brings something different to the table. You have to decide what's best for your strategy and goals. If you aren't sure, then consider investing in ETFs. They let you buy 100's of stocks at one time. -- If you found this helpful, I'd appreciate a RT or sharing with a friend. For more content like this shoot me a follow.

60 days ago tariffs were going to “ruin the economy forever.” Since then the S&P 500 is up +20%. Buying the dip wins again.

The classic chicken, broccoli, rice meal prep this week. $17.48 total $4.37 per meal (plus hot sauce) Eating healthy doesn’t have to break the bank.

Reminder that Vanguard’s money market account $VMFXX is yielding 5.26% Not a bad spot for spare cash.

Long term investors don’t panic sell. We panic buy.

Vanguard ETFs can do it all: $VGT Tech $VUG Growth $VOO S&P 500 $VB Small Caps $VNQ Real Estate $VXUS International $VIG Dividend Growth $BND Total Bond Market $VYM High Dividend Yield $VTI Total US Stock Market These make investing simple.

Long term investors don’t panic sell. We panic buy.

Taxes are the worst. That's why you should max out your Roth IRA. 1) $7,000 invested annually. 2) 8% yearly return. 3) Wait 30 years. Congrats you have $826,000 to enjoy tax free.

How much you need to invest by age to reach $2 million by 65. Assuming a 9% annual return before taxes and inflation: 20 - $310/mth 25 - $471/mth 30 - $738/mth 35 - $1,878/mth 40 - $3,110/mth Time is money my friend.

The S&P 500 has returned negative 29 years. Of those 29, only 8 have been followed by another down year. In other words, we have a 72.5% chance of positive returns in 2023.

$VOO Vanguards S&P 500 ETF has returned an average of 12.7% over the last 10 years. $VTI Vanguards Total US ETF has returned an average of 12.1% annually over the last 10 years. Which is your favorite?

Another lunch prep done. Cook time 30 minutes. $16.30 total. $4.08/meal.

I don’t need 100M dollars. I just want to be able to drop my future kids off at school, fish on a random Tuesday, and hit the gym at 9 AM. That’s the dream.

Another affordable and healthy meal prep for the week. 7 meals. $34.65 total. $4.95/meal.

Vehicles are one of the biggest wealth killers. One of my favorite rules for knowing how much car you can afford is the 20/3/8 rule: • 20% down • 3 year payoff • Payment is 8% or less of income Don’t be car broke.

"ETFs don't get good returns" So far this year.... +33% - $VUG +27% - $QQQ +26% - $VOO +18% - $VYM +19% - $IWM +19% - $VB Reminder, these are PASSIVE.

Looking to build your passive income? Here's 5 dividends ETFs that will pay you for doing nothing. // Thread //

Maxed out my Roth IRA for 2024 💪

Vanguard is an ETF beast. $VOO S&P 500 $VTI Total US Stock Market $VUG Growth ETF $VYM High Dividend Yield $VB Small Caps $VEU International $VNQ Real Estate ETF $BND Total Bond Market What’s your favorite Vanguard fund?

The number of years it takes to double your money at different return rates. 2% - 36 yrs 4% - 18 yrs 6% - 12 yrs 8% - 9 yrs 10% - 7 yrs 12% - 6 yrs Lesson here, every percentage point matters.

Vanguard can cover all of your needs. $VOO - S&P500 $VONE - Russel 1000 $VTI - Total Stock Market $VGT - Information Tech $VFH - Financials $VNQ - Real Estate $VHT - Healthcare $VDE - Energy $VPU - Utilities When it comes to ETF providers, they are the GOAT.

$VTI largest holdings: 1. $AAPL 2. $MSFT 3. $GOOG 4. $AMZN 5. $TSLA 6. $NVDA 7. $FB 8. $BRK 9. $JPM 10. $HD The best companies in the world, all in one ETF.

Want to retire with a $1,000,000 portfolio? Here's what you need to invest by age: 20 - $155/month 30 - $367/month 40 - $932/month 50 - $2,686/month Stop waiting. Start investing.

Average net worth by age group. Are you above or below?

ETFs and their Index Fund equivalent Owing any of these is a win S&P 500 $VOO = $VFIAX Total US Stock Market $VTI = $VTSAX Dividend Appreciation $VIG = $VDADX High Dividend Yield $VYM = $VHYAX Small Caps $VB = $VSMAX Real Estate $VNQ = $VGSLX

Industries of the future: - EV - 5G - Travel - Gaming - Robotics - Cannabis - Telehealth - Blockchain - Gene editing - Data security - Clean energy - Cloud computing - Space exploration - Artificial Intelligence What would you add?

Lunch prep for the week complete. $22.98 total for ingredients. $5.75/meal. Healthy and affordable.

5 websites every investor should use: // Thread //

$10,000 in the S&P 500 in 1980 would be over $1.1 million today. That's an ROI of 11,000% or 11.55% per year. Invest...please.

ETFs that could make you a one click millionaire: $VOO - S&P 500 $SCHD - Dividend Yield $QQQ - Nasdaq 100 $DGRO - Dividend Growth $VTI - Total US Stock Market

This isn't a dip. It's a crash. The Nasdaq 100 is down over 30%, the S&P 500 is down over 20%. Here's what the numbers say is next:

The recipe to be a millionaire. $105 a week in a S&P 500 fund. At an 8.5% return. For 35 years. You’ll have $1,022,000. It’s as simple as that.

The S&P 500 is only 5% from a new all time high. That’s the tweet.

A little extra thankful this Thanksgiving.

Over the next 30 years the $39,920 Shaun invested will grow to $397,000. That new car Mike wanted cost him over a quarter million dollars and likely years of retirement.

Don't know how much to spend on a vehicle? Try the 20-3-8 rule: - 20% down payment - 3 years financing max - 8% or less of monthly income Shout out to The Money Guy Show for this blueprint.

Investing in a bear market looks dumb, until it turns into a bull market. Remember that.

How to save $100 in 45 min, change your own oil. One Youtube video, few quarts of oil, new filter, oil pan, wrench, and you are set.