Blake | PathwayToFI

Many people’s definition of success: - $1,500,000 house 🏠 - $150,000 car 🚘 - $150,000 boat 🛳️ - $10,000 ring 💍 - $2,000 suit🤵‍♂️ My definition of (financial) success: - $1,000,000 401k 💰 - $250,000 Roth 💵 - $100,000 HSA 🏥 - $0 car payment 🚗 - $0 mortgage 🏡 What are you working toward?

Can You Really Get a 6% Safe Withdrawal Rate in Retirement? I'm excited to announce a FREE 1-hour webinar on April 24th, where I'll be discussing construction of the Descent portfolio, which has historically achieved a safe withdrawal rate (SWR) of over 6%.

Register here to watch and ask questions LIVE: event.on24.com/wcc/r/4782662/…

What about the 4% "rule" that everyone talks about? Can you really do BETTER?! How much can we rely on past data to set our future withdrawal rates? We'll be discussing these questions and more this Thursday at 2pm ET.

I started my social media journey while on sabbatical. Now I’m taking a sabbatical from social media. Stepping back to focus on what truly matters—just as I’ve encouraged here for the past 2.5 years. See you on the other side. 👋

Pay off high interest debt immediately! It’s a 100% guaranteed return. Better than any investment.

It’s much easier to look smart because you bought than to look smart because you sold.

@Invested_In_You I’ve always held international in my portfolio. Hasn’t worked out yet for me, but I’m convinced it will some day.

“Lost decades” during investing are a very real thing From 2000-2012 the S&P500 was flat. 0% gain in 12 years. The Nasdaq 100 didn’t break even until 2015. But at the same time international equities were in a bull market. This is why international exposure is a must in a truly diversified portfolio.

@Invested_In_You Even better!

@PathwayToFI Agreed. And it’s after tax!

The typical American has to earn $150 for every $100 in extra spending! 💰 Why? They pay ~33% in taxes for every additional dollar they earn: • 22% federal tax • 7.65% payroll tax (SS + Medicare) • ~4% state tax (wide variation by state) $150 x 33% = $50 in taxes $150 - $50 = $100 to spend

Someone needs to hear this: Money is not life. Life is not money.

@AdultingIsEasy Asset, yes. Profit producing asset, no. Expense offsetting asset, yes.

It's 2025 And your primary house is still an asset kthxbye

@Invested_In_You That’s a big mistake for first-time home buyers: Underestimating the total cost of homeownership. It’s not as simple as replacing a rent payment with an equal-sized mortgage payment.

Clients are buying a home and want their housing costs around $4,000/m That doesn’t mean we look for a mortgage of $4,000/m! When you include: - Insurance - Taxes - PMI - Utilities - Maintenance Their mortgage should only be $3,000/m Same goes for down payment The upfront cost is more than a downpayment when you include closing costs & the fact that you still need an emergency fund after the purchase You can be looking at a much more expensive investment than you planned for

@lindsaystamp3 Believing you can do it is the first step to success.

As soon as you start approaching life with a “why not me” attitude, everything changes. You have to believe you’re just as intelligent, deserving, and capable as the next person and then go out there and make something happen

@lindsaystamp3 Not a bad problem to have at the same time. 😀

@PathwayToFI Taxes suck 😂 just got my bonus and want to cry about how much was taken in taxes lol

Happiness does not come from obtaining more. It comes when you’ve concluded that you already have everything you need.

@PathwayToFI I have something billionaires will never have - knowing when I have enough

@itsthewealth4me There’s no such thing as overnight success. What seems to happen overnight is the compound effect of many small advances.

Some results you see people having by 35, are due to something they started working on at 20-25 We don’t realize how much of the “overnight successes” we see, really took years of dedication