Blake | PathwayToFI

Simplest path to make your kid a millionaire:💰 Invest $6k in a 529. After 15 years, it will be worth $27k. Don’t spend it on college. Convert it to a Roth IRA. Let it ride for 40 more years. Your $6k gift will grow to $1.4M! Better yet, it’s all tax free!! 🤑

5 myths about Health Savings Accounts (HSAs) debunked: Myth 1: You need to use it or lose it every year. Nope. HSA isn’t like the FSA. You can keep it as long as you want, and even pass it on to heirs (with potential tax consequences). Similar to an IRA. 🧵 myths 2 thru 5👇

The first $100k comes slowly. The last $1 million comes quickly. The last $1 million is only possible because the first $100k was built. Start building that foundation.

@MagnetMyPic It’s your money. There has to be a way to contact the HSA provider and regain access. They can’t legally take your money.

In my experience with a single HSA, the bank account was behind the healthcare site login. When I changed jobs (and insurance), they nuked my healthcare login which nuked access to the account. My mistake was going paperless statements, and now I cannot access the HSA since my card expired and my address has changed a couple times. Lesson learned: mathematically, they're awesome. Realistically it's not worth the headache.

@itsthewealth4me My best advice: celebrate this win. Then, if there’s something you aren’t spending on that would drastically improve your life, consider it strongly. You can now afford it.

@PathwayToFI After this year, I'm thinking to pull back a bit, invest another 7 years then stop at 42. By then I'll have more than enough to coast, I'd like to transition my money to a few other things

I recently hit my coast fire number I'm actually very proud of myself for that because its been 10 years straight of dedication I am proof that the boring way still works, you just have to run the play

@Smartnetworth1 The only person you need to impress is your wife 😊

Financial freedom begins the day you stop buying things to impress people who aren't paying your bills.

@itsthewealth4me Nice 👏

$7452.92 away from $100K invested this year, goal is to do it by July 31st Still working towards the challenge of trying to invest $150K this year (if I can stay employed)

@itsthewealth4me Instead, I work, get paid, invest, and buy back my time! 💰-> ⏰

Logically ask yourself what sense does it make to work, get paid, and then give all your money away to Amazon, Tik Tok Shop, celebrities, etc resulting in you being left with nothing Imagine doing that every year of your adult life

@b_co_co Top performing sectors have always rotated from year to year. Tech underperformed in 2025. That’s why I diversify.

Top S&P 500 sectors over time: 1960 → Industrials, Utilities 1990 → Industrials, Consumer Staples 2026 → Information Technology, Financials 2050 → Information Technology, Biotechnology Stay invested. The index adapts and finds the winners for you.

Myth 5: HSAs are only for young people. Truth: Even older people can benefit from the immediate tax deductions of an HSA. Paying medical costs tax free. And using it as an extra retirement savings account. It’s much better than putting the same amount of after-tax money in a brokerage right before you retire!

Myth 4: You won’t have enough medical expenses to use up a large HSA in retirement. Truth: there is no deadline for how quickly you have to be reimbursed for an expense. So start saving receipts as soon as you open an HSA. Then redeem them later in life after the investments have had time for the magic of compounding! Plus, you can use it for Medicare premiums in retirement. And everyone needs more medical care toward the end of their lives. 👇

Myth 3: Your healthcare costs are too high for a High Deductible Health Plan. Truth: many HDHPs (that come with HSAs) also have a low enough premium to make up for the higher deductible, when compared to a lower deductible plan. And your employer may also contribute to your HSA as an incentive. Like a 401k match, that’s free money! 👇

Myth 2: It’s a spending account, not a savings account. Wrong. It can be saved & invested for the future. And with all of its tax advantages, that’s its best use! 👇

@GuyTalksFinance So much more effort and so little chance of beating the market. Why try?

The best thing you can do as an investor is stop buying single stocks and just buy the S&P500 Don’t make the mistake of trying to outperform the market — it won’t end well

@theficouple Wow

@PathwayToFI What a whirlwind 2018-2023 was..and parents along the way 🤣

At 27 & 28: Checking: $875 HYSA: Nope Brokerage account: Nope Roth IRA: Nope 401k: $14,200 HSA: Nope Car loan: $17,000 Student loan: $84,500 Outcome: Financial freedom at 32 & 33 and $0 of debt. Don’t stop, keep pushing.

@tweetRRANDO True, it must be built on good habits and not just come from luck in order to scale

@PathwayToFI Some people on X believe that because they got to $100k in a few timely trades, that they now possess a secret winning formula. But that first $100k was just a fluke. So the next $1M never comes, because luck does not repeat or scale. It doesn't work that way.

@b_co_co Same habits, bigger numbers down the line.

@PathwayToFI That first $100k is proof your habits are working

@theficouple That payment represents 1/3 of their after-tax income. That’s the definition of “house poor”.

If a middle class couple earns ~$190,000/yr before tax & they buy a home with a $4,200/mo payment? ...That home is now a trap & that never ends well.