Fang Lin

@felixprehn Retirement

Just created a complete workbook on how to how to retire early and live well. It includes age-based plans, the 3 key phases and income targets. I shared with my 20,000+ students. For 24 hours, it's yours for FREE. Like + comment "RETIREMENT" and I'll DM it to you

@felixprehn 2026

Want the complete 22-minute tutorial covering all 5 warning signs, checklists, and exact positioning strategies? Just comment "2026" and I'll send it within minutes. It's completely free—and follows the same playbook institutions use to build their portfolio.

The market is expensive right now. • S&P 500 is up 77% since October 2022—it’s typically 30% so it's more than double normal returns. • P/E ratio is 28—it’s typically 17. Does this mean 2026 will be another 25% gain or is there a market crash imminent? Here's what I think:

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@felixprehn Could you comment on SPMO ETF?

@felixprehn ETF

Growth ETFs are perfect if you want higher potential returns and can handle the ups and downs that come with it. Vanguard Growth ETF (VUG) is my primary growth pick. VUG owns 185 large-cap growth companies—businesses growing earnings faster than the overall market. Their expense ratio is 0.04% (meaning if you invest $10,000, you pay only $4 per year in fees—extremely cheap). Their top holdings are Apple, Microsoft, Nvidia, Meta, Google, Tesla (which makes sense). The key difference between them and the S&P 100 is they don't include the other 94 stocks like Coca-Cola, Procter & Gamble, and Walmart (which provide more stability but slower growth). In VUG, you're overweighting specifically the growth companies. You're saying "I believe in technology and innovation, and I want concentrated exposure to that theme." So here's the trade-off: VUG is more volatile. When markets rally, it outperforms. When markets crash, it drops harder than the S&P 100. That's why you don't put 100% of your portfolio into VUG. It's your growth sleeve, not your whole strategy. Here's what I'd recommend: - Under 35: Up to 50% in growth - Over 50: Maybe 20-30% VUG gives you growth across multiple sectors—tech, consumer (Amazon), healthcare, communication. Another great growth ETF is VGT, which is the Vanguard Information Technology ETF. It has a 0.09% expense ratio and focuses purely on tech companies—more concentrated, more risk. I prefer VUG because it gives you growth across multiple sectors, not just tech. — This is just one of the ETFs I covered in my 22-minute video on ETFs that beats the S&P 500. I also covered how the S&P 500 is dangerously concentrated in 10 companies, which growth ETFs outperform during rate cuts, and why dividend ETFs exclude the best-performing stocks. Just comment "ETF" and I'll DM it into your inbox in the next few minutes.

@felixprehn AI

Just created a complete analysis of AI infrastructure opportunities covering chip manufacturers, power companies and system integrators. I shared this analysis with my 20,000+ students. For 24 hours, it's yours for FREE. Like, RT & Comment "AI" and I'll DM it to you.

@money_crunchr Do you have any thoughts on young high earners in 32% tax? Make sense to do pretax contribution first?

A lot of tax planning comes down to your current tax rate vs the future If your marginal tax rate is 24% right now, but will be 12% in retirement, it makes sense to defer your tax now (e.g pre-tax 401k) If you are in a 12% right now, but expect to grow your income in the future

@money_cruncher How could you avoid that? That is robbery.

5 states with highest estate taxes, if over the exemption: > Washington up to 35% > Hawaii up to 20% > Illinois up to 16% > Maryland up to 16% > Oregon up to 16% Good to know if you are wealthy and want to pass as much as possible to heirs.

@money_cruncher I agree, and take your suggestion to buying Vanguard funds.

One thing I dislike about Fidelity is how expensive their MMFs are. For example: $SPAXX - expense of 0.42%, net yield 3.62% $FDLXX - expense of 0.42%, yield of 3.54% But Vanguard has: $VMFXX - expense of 0.11%, yield of 3.75% $VUSXX - expense of 0.07%, yield of 3.83% That’s why I keep my cash in Vanguard’s MMF.

@AndrewYang We can afford endless war, but not health of citizens.

If your health insurance premiums double in January (which is on track to happen for millions of Americans), who would you blame?

@Med1_Ai YouTube

YouTube is not luck. If you start a YouTube channel now, you'll be earning $10,000/month in January 2026. Like & comment "YouTube" and I will send you my proven guide for FREE. You must be following me to get it in DM. FREE for 24 hours only.

I am giving Chat GPT Mastery Book for free. 𝐖𝐨𝐫𝐭𝐡 $𝟐𝟗, 𝐛𝐮𝐭 𝐟𝐫𝐞𝐞 𝐭𝐨𝐝𝐚𝐲! Simply: 1. Follow me (for sure DM) 2. Like and Repost 3. Comment "GPT"

@Med1_Ai GPT

@money_cruncher I move all funds that I can to Fidelity.

Vanguard has the worst UI and mobile app. But that's by design. They want you to stop staring at the app and prevent you from trading too much. It stops people from making irrational FOMO decisions. Set up automatic buys and just don't even log in.

@genXmars @money_cruncher I agree!

@money_cruncher it is really layout, can not find information easily!

@money_cruncher Great post!

If this is your only income, you will have: $60,000 LTCG - $15,750 SD = $44,250 of taxable income Now, let's look at the tax impact:

You could make $100,000/year and pay $0 in taxes. This is because the tax code is created for investors, not regular workers. Here's how it works (and how you could live tax-free):

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@NosyNurari Yeah, plus more practical tax stuff

@money_cruncher Backdoor

Backdoor Roth is the best loophole for high income earners to save on taxes. I'm giving away a 25-page, in-depth guide that shows you how to do it correctly. 1. Like and bookmark 2. Comment "Backdoor" & I'll DM you • 24 hrs only. Must follow.