I talk about stocks & personal finance
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Ever notice your stock price drops right after you get paid a dividend?
That’s not a coincidence.
Here’s how dividends actually work (and why most investors misunderstand them):
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Sports Illustrated once estimated that 60% of NBA players go broke within five years of retiring.
Not Herbert Jones.
Last July, Jones signed a 3-year, $68 million extension with the Pelicans.
But instead of wasting money on designer tunnel fits, he just wears the free Pelicans gear.
“If my family is good, I’m cool. I don’t really care what anybody says about clothes, especially going to a basketball game.”
The lesson?
Take care of your money. Don’t live to impress other people.
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My wife’s uncle passed away earlier this year.
Made $200k+ the majority of his career.
But when he passed, he had $50k in credit card debt, and no investments.
You can’t out earn bad spending habits.
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I have a friend who works for Nike.
• Makes $120k+
• Travels internationally
• Encouraged to workout
• Flexibility to work remote
• Meets professional athletes
• Half-day Fridays in the summer
• 1 month sabbatical every 5 years
• Generous stock purchase program
Is he living the American dream?
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“I trained 4 years to run 9 seconds and people give up when they don't see results in 2 months” - Usain Bolt
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The older I get the more convinced I am that happiness is living near water like a lake or the ocean
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Sports Illustrated estimated that 80% of NFL players go broke in their first three years out of the league.
Adrian Peterson is no exception.
Adrian earned $103 million during his NFL career, and remains the highest-earning running back in NFL history.
But Adrian got caught up in the image and lifestyle the NFL provides.
He is allegedly broke, with debts that he is struggling to pay back due to…
• financial fraud
• luxurious lifestyle
• lavish 30th birthday party
The lesson?
Wealth that comes quick goes the same way.
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My coworker mentioned he has about $20K sitting in his HSA earning 0.01%.
I told him he could invest it, let it grow tax-free, and later reimburse himself for medical expenses.
He opened a Fidelity HSA and transferred the funds right there in the office.
Normalize talking about money.
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The Health Savings Account (HSA) is one of the most powerful investment accounts.
But 99% of people don’t use it to its full potential.
Here’s why my wife and I are maxing out our HSA in 2025:
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My wife just hit $100k in her 401(k) and she’s not even 30. If she doesn’t contribute another dollar, she’ll retire a millionaire.
Compounding is truly amazing.
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Life gets a lot better when you’re not tied to a:
• $2,500/month mortgage
• $700/month car payment
• $200/month credit card payment
• $250/month student loan payment
Less debt = more freedom.
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Life gets 10x better when you’re not tied to a:
• $2,500/month mortgage
• $700/month car payment
• $200/month credit card payment
• $250/month student loan payment
Less debt. More freedom.
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Save $7,000 a year and you'll have $175,000 after 25 years.
Invest $7,000 a year in a Roth IRA and you'll have $750,000 after 25 years.
Once I saw the difference between saving and investing, the choice was obvious.
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5 best purchases I’ve made in the last decade.
• AirPods
• Air Purifier
• Dyson Vacuum
• TSA Pre-Check
• Espresso Machine
What’s the best purchase you’ve made recently?
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Sports Illustrated estimated that 60% of NBA players go broke within 5 years of retirement.
Trevor Ariza is no exception.
Trevor earned $116 million in career earnings over 18 seasons.
He even won a championship with the ‘09 Los Angeles Lakers.
But Ariza recently went through a heated divorce with his ex-wife.
Trevor’s assets were listed as…
• $438,278 in cash
• $1.9 million in stocks and bonds
• $6 million in real and personal property (includes his cars and his NBA 401k)
“I am in the process of reducing my monthly expenses as I am now unemployed and cannot maintain my former lifestyle”
There’s a lesson here:
High income ≠ high net worth.
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34% of Americans make less than $50k.
50% of Americans make less than $75k.
63% of Americans make less than $100k.
80% of Americans make less than $150k.
89% of Americans make less than $200k.
It may not be what it used to be, but $100k is still a lot of money for most.
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My wife’s 401(k) hit $100K back in April. Six months later, it’s already over $120K. Compound interest is no joke once you hit six figures.
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Signs you’re doing good financially:
• Used Toyota
• No credit card debt
• Costco membership
What else?
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Save $7,000 a year and you'll have $175,000 after 25 years.
Invest $7,000 a year in a Roth IRA and you'll have $750,000 after 25 years.
Once I saw the difference between saving and investing, the choice was obvious.
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My friend just had floors installed in his home.
Original quote: $20k.
But once they ripped up the old carpet they found that the subfloor was uneven.
And if they laid the new floor on the uneven subfloor the contractor would have them sign a waiver and it would void any warranty.
So they opted to have it done right, and get the subfloor leveled.
New quote: $32k.
An additional $12k they weren’t expecting.
A good reminder that the cost of homeownership is not just the monthly mortgage payment.
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My wife and I recently moved and called to cancel our wifi with Xfinity.
They offered to drop the price with a two-year price guarantee:
Current: $71/month
New: $40/month
That’s a savings of $372 per year.
In the end, we decided to go with Verizon 5G home internet for a similar price (and because Xfinity is the worst) but the lesson remains the same:
Always negotiate your bills.
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Is it really a flex to travel with a Louis Vuitton duffle bag if you can’t afford first class?
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My friend told me his girlfriend asked for two weeks off to go see her grandparents overseas.
The company said no and declined her PTO.
It wasn’t until she threatened to quit that they approved her time-off request.
This is why financial independence is so important. So you don’t have to put up with this kind of BS.
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Last year, my wife and I spent two weeks bouncing around Europe.
We spared no expense, and the trip cost us ≈ $10k.
We could have stayed home and invested that money instead.
But we talk about that trip at least once a week and reminisce on how fun it was.
Travel is one thing we will never skimp on and always budget for and prioritize.
What’s one thing you always make room for in your budget?
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6 best purchases I’ve made in the last decade.
• Apple AirPods
• Away Luggage
• Dyson Vacuum
• TSA Pre-Check
• Blueair Air Purifier
• Breville Espresso Machine
What’s the best purchase you’ve made recently?
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I own a few rental properties.
Not a month goes by without some kind of issue.
Meanwhile, my index funds and Bitcoin just keep quietly compounding.
Makes you think about what “passive income” really means.
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Is it really a flex to spend $2,500 on a Louis Vuitton duffle bag that was made in a factory oversees for $250?
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My dad just received a pretty sizable bonus.
I congratulated him, and said he should treat himself to something nice and invest the rest.
He immediately got defensive and said there were too many expenses this month, that he’d invest what’s leftover at the end of the month.
I told him that’s ass-backwards. He should pay himself first because knowing him, that money will be gone before he knows it.
He told me “you don’t get it” and that that’s not realistic. He said I’ll understand when I have a house, kids, and more stuff.
Love my Dad, but he’s the one who doesn’t get it.
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After spending 10+ years studying personal finance, I’ve realized something.
Most people SUCK with money.
Here are 11 money rules of thumb to level up your finances (in 2 minutes):
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And there is no signs of them slowing down.
I recently bought my wife one because she said she was “bored” of drinking water out of her hydro flask.
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I paid off $30,000 in student loans in 28 months.
Making just $16/hour.
It’s boring… but here’s how I did it anyway:
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My friend is getting married this spring and it’s out of state for us.
We have to fly into a small airport in the South.
Flights + hotel for me and my wife will come out to around ≈ $2,000.
I’m having a hard time justifying the cost for being there a little over 48hrs.
What would you do?
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The 9–5 you complain about puts a roof over your head, food in your fridge, money in your retirement account, and health insurance you can actually afford. Stop complaining and be grateful.
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My wife works with someone who has no desire to build generational wealth. He doesn’t care about leaving a legacy, climbing the corporate ladder, or passing down a large sum of money to his future kids. All he wants is to spend his money enjoying what little time he has on this planet.
I can’t blame him. Money is important, but don’t waste your life chasing a piece of paper that can be printed out of thin air.
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My mom passed away last week. She’s in heaven now.
We had a beautiful last day together. Lots of laughter, smiles, and a few tears.
Looking back, she never cared about:
• My job title
• The car I drove
• The size of my investment account
What mattered to her was time.
Time with me, my wife, and her granddaughter.
Don’t lose sight of what really matters in your pursuit of wealth.
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Pro athletes are notorious for being big spenders and living lavish lifestyles.
Not Herbert Jones.
Jones recently signed a 4 year / $53,827,872 contract with the New Orleans Pelicans.
But he is happy being frugal now if it means financial security for his family in the future.
Herbert reportedly…
• thinks long term
• wears free team gear
• drives the same 2018 Dodge Charger from college
“Save that money. That’s how I think. I’m not worried about what somebody would say about my appearance if my family is doing good or better than what they were.”
The lesson?
Take care of your money, and don’t worry about what other people think.
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My wife and I are doing no-spend January.
And dry January.
(Boring, I know)
But after the holidays we decided it would be good to do a financial reset.
Rules are:
• no fast food
• no house stuff
• no new clothes
• no coffee shops
• no alcoholic drinks
• only essential groceries
• only eat out twice all month
Essentially no fun…
But my wife and I both have to work a lot this month, so it’s as good a month as any to try it.
Wish us luck!
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My wife hit $100K in her 401(k) before turning 30.
Here’s why that’s a big deal (and what it means for you):
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The world’s biggest financial market isn’t stocks.
It’s bonds.
And it’s worth $145.1 trillion.
But almost no one understands how they work.
Here’s what you need to know:
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My friend missed a credit card payment.
His score dropped: 800 -> 760.
A 40 point swing…
He had the card on autopay for years with no problems.
• sufficent funds
• didn’t change cards
• card wasn’t expired
So he called the lender and explained the situation.
They agreed there was a mistake and removed the penalty on his credit report.
And his score shot back up into the 800s.
It never hurts to ask.
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Most of life’s problems can be solved by…
• exercise
• investing
• sleeping well
• eating healthy
What did I miss?
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If the S&P 500 goes to zero, you’re better off stockpiling…
• food
• guns
• ammo
Then you are gold.
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Fannie Mae removes minimum credit score requirements for mortgages.
The current 620 minimum credit score will be eliminated for new loans starting on Nov. 16, 2025.
I don’t see this ending well 😬
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My manager retired a few months ago at the age of 63.
He’s done well for himself, and said he’s been work-optional since 50.
I was worried he’d get bored in retirement.
But I talked to him yesterday and he said he’s loving it. Happier than ever.
Said he wishes he would have left the corporate world back when he was 50, and told me to get out as soon as I can.
Do you think that’s wise advice?
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A married couple can withdraw up to $124.050 per year from investments…
And pay $0 in federal income tax.
Here’s one of the biggest “secrets” in the tax code (and how you can use it to retire early):
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My mother-in-law is twice divorced, never made six figures, and still retired at 62 with a $4.5M net worth. If she can do it so can you.
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My friend recently sold his house. He’d owned it for 5 years, and once he factored in maintenance, improvements, and closing costs, he’s pretty sure he lost money. Buying only makes sense if you plan to stay.
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One thing that’s criminally underpriced:
TSA pre-check.
$78 for 5 years.
(bonus if your credit card pays for it)
Even if you only fly a few times a year, it’s well worth the investment.
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I have friends who’ve traveled to 20+ countries and have no savings, and others with a million-dollar net worth who’ve never left the country. Which one is really rich?
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Sports Illustrated once estimated that 80% of NFL players go broke in their first three years out of the league.
Not Chad ‘Ochocinco’ Johnson.
The former Bengals wide receiver earned nearly $49 million over 11 seasons, and he claims to have saved 83% of that.
How?
• wore fake jewelry
• flew on budget airlines
• only ever leased his exotic cars
“Everybody’s caught up in image, looking a certain way and being rich. It’s pointless.”
The lesson?
It’s better to be wealthy than to look rich.
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My wife works with someone who has no interest in building generational wealth.
He doesn’t care about leaving a legacy, climbing the corporate ladder, or passing down a fortune to his future kids.
All he wants is to spend his money enjoying what little time he has on this planet.
Can you blame him?
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I recently came to realize that everything costs a minimum of $5.
$5 is the new $1.
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There is no right or wrong way to build wealth.
$1 million made at a 9-5 has the same value as $1 million made as an entrepreneur.
Don’t let anyone tell you different.
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Sports Illustrated estimated that 80% of NFL players go broke in their first three years out of the league.
Not Marshawn Lynch.
Marshawn aka “Beast Mode” earned more than $56 million over 12 seasons.
He even won a Super Bowl with the Seattle Seahawks in 2014.
But one thing you might not know about him is he’s financially savvy. And while he was still in the league, he reportedly never spent any of his actual playing money. Not a penny.
In fact, he lived solely off his endorsements which was about $5 million per year through deals with…
• Nike
• Pepsi
• and most famously Skittles
"Take care of y'all bread, so when y'all done, you can go ahead and take care of yourself."
The lesson?
Take care of your money.
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The taxable brokerage account is one of the most powerful investment accounts.
But 66% of people don’t own any taxable investments.
Here’s why my wife and I are prioritizing our brokerage account in 2025:
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My first real estate deal was a house flip.
I lost $10,000.
Never doing that again.
Flipping houses is the real estate version of day trading.
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My friend said his boss is easily worth $250 million.
The guy’s in his mid-60s and could have retired long ago, but he loves what he does. To him, it’s like a game.
But he’s not just playing to pad his own pockets. His goal is to make every one of his employees a millionaire.
Turns out the real flex isn’t hoarding wealth. It’s bringing others up with you.
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My parents weren’t good with money.
They always said “we can’t afford that.”
I didn’t understand…
My dad had a good job.
It bothered me.
So one winter break I read “The Richest Man in Babylon.”
And after that I read everything I could about money.
Even studied finance in college.
Because I never want to have to say that to my kids.
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Yesterday, I asked my Wife’s stepdad how he was enjoying retirement and if he was keeping busy.
He said:
“It has its ups and downs. I’m not bored, but now every day I wake up something new hurts, and it makes me not want to do anything.”
This is exactly why I plan to enjoy my money now, not wait until I’m 60+. What’s the point of working so hard and becoming a millionaire if you don’t have the energy to spend it?
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Consumer:
Spends $700/mo on a new BMW that depreciates 15-25% per year.
Investor:
Invests $700/mo in a low cost index fund like $VOO which returns an average of 11% per year.
Which one are you?
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I always say:
The time to buy is when you want to be a homeowner and you can comfortably afford the monthly payment.
Waiting is never a good option.
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My Robinhood credit card arrived.
It’s beautiful.
I can’t wait to test this bad boy out.
$HOOD
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Spending $5 a day on Starbucks will cost you $1,825 per year.
But a $1/hr raise will pay you an extra $2,080 per year.
The lesson?
Buy the coffee if it makes you happy.
And figure out how to increase your income.
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Our $27 Chipotle order turned into $50 with DoorDash. Unless we’ve got a gift card, we’re not paying that kind of premium. Delivery apps are a scam.
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If paying off your credit card balance every month was so easy, credit card companies wouldn’t make any money.
Something to think about.
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Stanford cornerback Collin Wright used his NIL money to invest in the stock market.
“I put it in index funds and ETFs that are very diverse, S&P and NASDAQ and all that. They give me a very diverse portfolio with consistent growth. I hate losing money.”
Smart kid.
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Bad take.
If you skip your friends’ weddings for 10 years, don’t be surprised when you have no real friends left.
What’s the point of financial success if you have no one to share it with?
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Just a reminder:
A 1,000% return on $1,000 is only $10k.
Your goal shouldn’t be chasing huge returns.
It should be getting more money invested.
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My wife’s coworker mentioned she has $10k just sitting in her Heath Savings Account (HSA).
She had no idea she could invest her HSA funds, grow them tax-free, and later reimburse herself for medical expenses until my wife mentioned it.
Today, she sent my wife a screenshot of the funds being invested.
Let’s normalize talking about investing with friends and colleagues.
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If you’re new to personal finance, read:
1. Rich Dad Poor Dad
2. Think and Grow Rich
3. Psychology of Money
4. The Richest Man in Babylon
What else?
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My coworker said the number one thing he and his wife argued about was cleaning.
So now he pays someone every other week to come clean his house.
Cleaner: $300/month.
Happy wife: priceless.
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I used to teach personal finance at the local middle school.
But in 2020 everything blew up.
Because of that I wasn’t able to volunteer.
And the kids weren’t learning about finance anymore.
So I decided to teach finance on IG & Twitter.
And that’s why I created this acct.
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Take any 100 people at the start of their working careers.
Follow them for the next 40 years until they reach retirement age.
Here's what you'll find (according to Social Security): 🧵
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Pro athletes are often notorious for spending carelessly and living lavish lifestyles.
Not Jalen Hurts.
Last year, Jalen signed a 5-year $255 million contract with the Philadelphia Eagles, making him one of the highest-paid QBs in the NFL.
But he isn’t a big spender.
During the season, Jalen opts to rent a small apartment in Philadelphia. In the offseason, he lives at his modest $215k home in Houston with his parents.
Jalen’s money-saving tips include:
• cook at home
• buy a used car
• switch to an affordable phone plan
“Of my first million, I probably spent $165,000.”
The lesson?
Just because you make a lot of money doesn’t mean you have to spend a lot of money.
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Unpopular Opinion:
Obsessing over your $11.89 quarterly dividends is not how you build wealth.
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