Matthew Frankel, CFP®

Will you buy SpaceX stock?

SpaceX IPO coming soon. Here's my take on it. Who's buying? (Poll in comments) youtu.be/edbBtrG9g4A

@TimothyBuffett I'll just hang on to my 2018 Expedition! I'd love to upgrade but its not worth the hassle. Dealerships are generally awful.

@MattFrankelUSC Get a Tesla!

Honest question: Why are car dealerships still a thing? I understand there are laws preventing direct-to-consumer auto sales, but why do those still exist? The third-party car dealership literally exists to get people to pay more than they have to for their cars. There is no other reason. And dont even get me started on the financing department and the various kickbacks they get, and the dealer "upsells," like the protection films and other nonsense they insist you have to buy. This antiquated model makes customers seriously uncomfortable and makes them consider manufacturers like Tesla with DTC sales, or simply buying used through easy channels like Carvana. I'd love to buy another @Ford or @GM but its such a nightmare of a process.

$SoFi Expands Loan Platform Business with Multiple New Agreements Totaling Over $3.6 Billion investors.sofi.com/news/news-deta…

Some of my largest stock positions have pulled back sharply, and of course nobody likes watching their portfolios going down. But it can help to zoom out: $SOFI 1-year gain - 48% $GM 1-year gain - 51% $SHOP 1-year gain - 31% All three are down big in 2026. But it's important to put things into perspective.

Bonus: The most dangerous phrase in investing — "This time is different." It never is.

5/ Dividend Yield: Annual dividends paid / stock price. A 3% yield on $100K = $3,000/year in passive income. Dividends + growth = total return. Don't ignore either.

I'm going to demystify 5 of the most important investing concepts in plain English 🧵

Everyone's heard of compound interest. Almost nobody feels it until it's too late. Here's the brutal reality of waiting: Invest $500/month starting at: → Age 25 → $1.7M at 65 → Age 30 → $1.2M at 65 → Age 35 → $830K at 65 → Age 40 → $567K at 65 Waiting from 25 to 35 = $870,000 lost. That's not because you invested less. That's because you gave compound interest less TIME. Einstein (allegedly) called compound interest "the eighth wonder of the world." He might have actually said that. He definitely should have. The best time to invest was 10 years ago. The second-best time is today.

Negotiating a $5,000 raise feels uncomfortable for 10 minutes. Not negotiating costs you $150,000+ over your career. The math: → Salary: $75,000 → Negotiate +$5,000 = $80,000 → Compounded with raises over 20 years at 3%/year → Difference: $185,000 in total lifetime earnings And that's BEFORE investment returns on the extra savings. The script that works (used by hundreds of my readers): "Based on my research and contributions, I was hoping to discuss my compensation. Based on market rates and my performance over the past year, I believe $[X] is appropriate. Is that something we can work toward?" Then stop talking. Silence is your ally. 68% of employees who asked for a raise in 2023 received one. The worst they can say is no. You'll survive.

Scary market headline today? Here's some data to calm you down: S&P 500 historical facts: → Positive years: 74% of the time since 1926 → Average annual return: ~10% (7% after inflation) → Worst 10-year period: still up 1% annually → Every time it dropped 30%+, it eventually hit new highs The people who lost money in the market: → Panic-sold during crashes → Tried to time the market → Kept cash "waiting for the right time" The people who built wealth: → Invested regularly regardless of headlines → Didn't look at their portfolio daily → Stayed boring for 30 years Market volatility isn't the risk. Reacting to it is. #StockMarket #Investing #SP500 #MarketNews #LongTermInvesting

Without sharing dollar amounts — are you AHEAD, ON TRACK, or BEHIND your age target? Reply honestly 👇

6/ The most important thing: Start. Not perfect. Not optimal. Just started. $100/month invested at 25 beats $1,000/month invested at 45 — almost every time.

Nobody tells you what your net worth SHOULD be at your age. Here's the real benchmark — and what to do if you're behind 🧵