Josh Baker

In the fire service, there’s a saying: ‘You’re either a humble firefighter, or you’re a firefighter about to be humbled.’ Being humble is how you grow. This applies to anything in life. 💪🔥

@RealJGBanks So true!

Financial Freedom comes from 5 years of focus to erase 50 years of working a job you hate Lock in

@CoachRolfes I would just add get completely out of debt. Good list though.

If I had to start my finances over, I’d follow this order: 1. Create a budget 2. Build a $5k emergency fund 3. Pay off high-interest debt 4. Give generously 5. Invest 15% of income 6. Build a Taxable brokerage 7. Pay cash for cars Simple beats complicated.

@GuyTalksFinance Exactly… it cracked me up people on here losing their minds when the market goes down a bit lol

The best investors in the world can’t outperform the S&P 500. What makes you think you can do it?

Just out here enjoying God’s country!

@REDWRITER @XMoney X Money is coming out of the gate swinging!

X MONEY FOR BUSINESS?💼 It looks like @XMoney is working on separate account features for businesses too. Could this mean we may see micro loans and lending in the future? It certainly could include features like payroll, Grok powered book keeping, and invoicing. X Money seems determined to go after everyone’s lunch.

@JL_BYWealth Yeah I get it. A lot of our runs on the ambulance were basically a taxi service.

@JoshCBakerr And he was less pleasant when I explained to him, there is nothing I can do for him...apart from taking him to the hospital, so we are basically just a taxi in his case...

Good morning X friends! ☕️ Just in case you were wondering: it’s Thursday, the sun is out, and it’s a crisp 10°C. ☀️ in Czechia 🚑🚑​Two calls down so far... One broken arm and one guy whose ICD (Implantable Cardioverter Defibrillator) decided to kick him like a horse to the chest 11 times before we got him stabilized. ​How’s the weather and the vibe in your part of the world today?

@JL_BYWealth Haha good strategy!

Rising gas prices don't bother me. I always just put in $20.

@JL_BYWealth Haha I bet he wasn’t!

@JoshCBakerr We had a good call in total...apart from the guy with the back pain for 2 months which got worse 2 weeks ago...but his wife was fed up and called us to do something about it finally. He wasn't a pleasant guy

@MoneyJrod They shouldn’t .

Someone please sell me on the idea of why a happily married couple should have separate finances

Spend less than you earn, invest the surplus, and avoid debt.

@billlee lol morning!

good morning

@joeyyochheim It’s science.

Fats don’t make you fat Carbs don’t make you fat Sugars don’t make you fat Seed Oils don’t make you fat Consuming more calories than you burn makes you fat

@ItsJamesHall That’s an unstoppable combination! Haha

Top 3 financial moves that changed my life: 1. Locked in a 10-year low-rate mortgage 2. Married a low-maintenance woman 3. Automated investing into $VOO I recommend all three.

@NotA_Bull Not too shabby!

900K TO GO! 🤯🤯🤯 I started Jan. 30th, 2026!

@siddharthwv Boring is good!

"You're so boring." No. I have goals and you don't.

@Tim_Denning All these young kids better learn… there isn’t a get rich quick scheme. Haha

Going broke because you keep chasing get-rich-quick schemes is extremely painful to witness.

@OffensiveWealth Agree. Get out of all debt (minus the mortgage) then build up a good emergency fund!

Is your emergency fund quietly making you poor? Keeping 6 months of expenses in a HYSA "just in case" while carrying a 22% APR credit card balance isn’t being responsible, it’s financial theater. Keep at least 3 months of expenses, pay off the debt, and use your income to rebuild your emergency fund. Stop feeling financially responsible and start being financially responsible.

@money_cruncher Exactly… people think they can beat it but it’s a fact that like 96% of people don’t.

Beating the S&P 500 isn't difficult. But beating the S&P 500 consistently, over the long term, is very very difficult. Many people overestimate their ability to pick good stocks over the long term. They eventually realize that it’s a losing game. That's why just buying the market could be a good strategy.

@Liathetrader Consistent investing wins. That’s a fact.

This buy-and-hold crowd will not do well next year. I wrote about it in January. People who started investing then, and those starting now, will have a hard time. We're headed for a big mess. Lost decade? Bear market? You must trade and be selective. This is a trading environment, not an investing environment.

Workout time.