Mattyb burnham

@Jason Wealth is measured in time not money. Upper middle is slave

Upper middle class surging — while lower middle class and poor contract Discuss

Breaking 🚨 Florida senate finally passed the law to abolish property taxes!!! Starting Jan 1 2027, all property taxes will be removed other than the portion that funds schools. 💪 (homestead properties) 🇺🇸

@BillAckman @grok how could this logically turn into a 10x investment? Give me context.

And Fannie and Freddie are stupidly cheap. Asymmetry at its best. They could be a 10X and it could happen soon.

Some of the highest quality businesses in the world are trading at extremely cheap prices. Ignore the MSM. One of the most one-sided wars in history that will end well for the U.S. and the world. And we have the potential for a large peace dividend. One of the best times in a long time to buy quality. Ignore the bears.

@AdvisorJohn Nothing new but now more options. Hell yeah. YOLO and die with piles of debt. Tomorrow may not come! 🤪

I'm working on a high-DTI, low-credit-score FHA loan right now. Total Affirm and Klarna payments for one month: 11 Charges for $368.34 The loan approval is a struggle due to a lack of cash reserves... but rather than limit spending, they continue borrowing to maintain their lifestyle. The buy now, pay later economy will continue to be fascinating to observe.

@mortgagetruth Who cares, it’s at least 20% down payment to fire approved and probably higher

Remember when Fannie and Freddie got rid of their 620 minimum credit score? This loan just got approved with scores of 428, 480, and 483. In addition, it received an appraisal waiver and doesn't require tax returns or reserves from the borrower. 🤯

@AdvisorJohn What’s your cost for soft?

Loan Officers - I turned off my soft-pull credit reports in my online app last week. Best decision ever. I was honestly tired of remembering to trigger the hard pull once they went under contract... and then having scores change, which in turn meant the pricing/rate would change. I was also tired of running soft-pulls for people who weren't really committed and spending the money. If you are on the fence, you should try it.

@BarbellFi Obviously most just don’t have a million dollars lol.

20 Year Treasury yield now up to 5% You can buy $1 million of these bonds Collect $50k/year for 20 years Pay no state and local taxes Then get $1 million back in 20 years Why aren’t more people doing this? 🤔

@smburns Never going to happen. The govt is over employed on purpose.

Anyone running for state or local office in MN or St Paul should be talking about how to massively reduce workforce and costs. Between AI, better use of other tech, and better management, the government workforce can be reduced dramatically.

@AdvisorJohn Sex sells. Old as time

I rarely go to Facebook and IG these days… but when I do, I am bound to see at least 10 to 15 realtors, videoing themselves working out in the gym. I really just don’t understand that. “ Look at me, squatting 55 lbs in my super tight Lulu’s… who wants to buy a house?!?”

@andyantiles_ Missing key detail. Where is this family located? Literally can’t answer without it.

How much money do you need to be set for life? Nice house, 3 kids in private school and extracurriculars, nice family trips What’s the number?

I truly believe it’s associated with the amount of taxation and the fraud and waste of those taxes. Congress insider trades. After a while people just think this is the incentive structure. I can’t understand the rationalization of doing anything just to not be stolen from. Right or wrong, I don’t know anymore.

sorry but I would actually pay to watch some of you get audited by the IRS or FTB and have to defend yourself

@atrupar Too many diapers in congress

Coons: "Right now, the clearest winner from this war in Iran is Russia. It's stunning that President Trump is on the phone with Vladimir Putin and spending more time consulting with him than he is with Congress and the American people."

@jonbrooks Not where I live

The rental market just flipped. 2021–2022: landlords had the power. 2025: tenants are renegotiating leases. Vacancy rates jumped from ~6% → as high as 10–13%. The era of easy rent increases is over. Tenants now have leverage.

3k a month in cars means you deserve to be broke

People think $15k/month is enough After tax $10,500 - $2000 rent - $3000 cars - $800 fuel - $200 utilities - $1000 food - $300 random stuff - $1000 travel expenses - $1000 shopping - $500 health - $200 gym Total: $10,000 You're left to survive with $500

@Codie_Sanchez US is full of grown boys then.

I'm sort of convinced that until a man is financially stable he won't have peace... *he still might not after that, but he definitely will not before.

@adamobrien False, real estate is only bad, with a bad strategy.

Real estate is a terrible investment. It's just a big liability: - You pay property tax every year just to keep owning it - You pay to maintain it - You can't move it, you can't split it, and if you need to sell fast you're at the market's mercy. The only reason an entire generation believed houses were wealth is because dollars kept losing value and houses kept absorbing that inflation. But if you take the inflation away, you're left with a building that costs money just to exist.

@themoviedadsc Whatever’s clever

@MattBurnham I'll never complain if I get lower income taxes!

Just realized after my raise this year + 401k match bump after hitting 5 years at my company, my annual employer match ($7,187) is now almost as much as an entire years worth of maxed out IRA contributions ($7,500). Anyone telling you a 401k is a scam is a moron.

@AdvisorJohn When I opened my own branch I stopped doing them up front. TWN doesn’t pull enough info either half the time either. Often need written VOE during contract to code. Garbage

Loan Officers: Did you know that using The Work Number costs $93? If you had to pay that $93, would you do it...or would you say, "Hi Borrower, can you send me your pay stub and 2025 W-2 and upload that to our secure portal?" I find that I'm using it on real loans, but I'm still curious why I do it. Almost $100 for something that takes someone five minutes tops in most cases these days. Side note: I shut off all digital services since late 2022, when the market worsened, and our margins went down the drain. Now that margins/volume is back, it's easy to get back to using them...but I still think it's a complete waste of money.