JB

About Me - 38 Years Old Married Raising Two Kids Working Full Time I am working on generating income through projects that bring me joy. Current Projects: Book: Optimize Every Dollar Book: Optimize Every Day Website: Sports-Standings .com

@brockpierson Great game! Introduced my son to it and it’s one of his favorites. There is a newer game out with similar game play.

This is 1 of my favorite video games of all time! Turtles in Time from 1991. Did you play it?

@DividendRob We have a great rate too! My only regret is not pulling all my equity out at those rates.

I didn’t realize it at the time but locking in this 3.5% interest rate on my mortgage was one of the best financial decisions I’ve ever made. Rates today are almost double. Feels like I won the lottery.

@teostealth Definitely! I've always come across some credit card charge that we thought we canceled. Bonus: I started paying off the credit card in full every Friday instead of Monthly and my credit score hit 850.

@RedBarSystems The weekly review part is what most people skip - that's where you actually catch problems before they become expensive ones

A lot of people complain about things being too expensive. Everything complaint can be completely true and valid. The problem is that complaining won’t solve the problem. You need a simple, repeatable financial system. My system: Review Weekly Adjust Monthly Measure Quarterly

@ForgeWithJeremy "AI told me"

What’s the new verb for looking things up with AI? - I [ChatGPT/Claude/Other]’d it - I looked it up - I still say "I Googled it" out of habit - Other

@TheHeroicFather Great list! Going on family hikes has been my favorite activity lately. I’m also trying to get into reading. Still figuring out which authors I like.

@RedBarSystems Fair! And thanks for asking! We workout, read, play basketball/soccer/softball, go on walks, cook together.

My unpopular opinion: You cannot get me to care to ever play a video game.

@jess_tradez You have my support.

@RedBarSystems Pretty much but if the small accounts team up we can become massive!!!!

Being a small account is tough. You can only join other people’s discussions. You try to start your own, and get zero responses.

@SteveOnSpeed And passive index fund investing takes so much less time/effort. Setup reoccurring automatic buys and adjust once a month as your budget changes.

The numbers show he’s right. Passive index investors almost always outperform active investors. That’s not to say it doesn’t happen. But most don’t.

@CGInvesting10 No idea. I prefer to check once every 3 months.

Just checked my portfolio for the first time today… Down .5% How did y’all do today?

I’ve been quiet quitting at work for years and I just received my biggest raise ever.

@SergFolio Every dollar gets treated the same. Spend 50%, Invest 30%, Save 20%. Since all my expenses are covered right now, I’d most likely invest 60% and save 40%.

If you got handed $10,000 today, what are you doing with it first?

@RoaringHammy I decided not to go to a World Cup Match because it was going to be over $1,000 for our family for bad seats. That was just tickets.

Be honest, how much are you willing to spend to go to a world cup game or some type of sporting event like a Super Bowl? I don't know if i can pay more than $1k per ticket for any event.

@nickventuri Yup. Just takes time to figure out how to increase the income.

@RedBarSystems yep cutting buys time, making more changes the whole thing

The solution to your finances: Short Term Solution - Cut Expenses Long Term Solution - Increase Income

@UKWealthLog 🤝

@RedBarSystems So true

@BalliacheM70281 We just have to stay consistent and eventually we will be big accounts.

@RedBarSystems Very true 🤔

@authormjcaffrey All my sports posts have more impressions than any of my finance or fitness posts. I guess people are just more passionate about sports.

My largest impression post over the past few weeks was about sports 😅 is it to late to switch niches? ⛹️

Very well said. I posted something similar recently. All the complaining may be valid and true but unfortunately, it won't solution the problem. Prices are out of control but there is more opportunity than ever to make money. information is easier than ever to acquire, and the entry point to investing is lower than ever.

Now that I’m done shitposting, real talk. Yeah inflation is a b!tch. The cost of goods is insane. House prices are ridiculous. As are interest rates. I have 2 zoomer daughters. I worry about them all the time. I don’t know how they’ll afford a home, groceries, or anything else. Even in Michigan, a decent COL area, starter homes are $400k+. But the whole point of my Boomer-ish takes on this app are because of one fact: This isn’t going to change any time soon. You are wasting your time rage posting and getting bent out of shape on social media. Instead, do something about it. Find ways to save money. Increase your skills. Job hop to increase income. Grind, hustle, and do what you gotta do. When I first started teaching the old head union dudes would pressure me to go to protests in Lansing (capital building). They’d say “we are going to yell and scream until we get what we deserve!” I never went. It rubbed me the wrong way. I’m not about to whine, cry, beg, and complain about “the system” or “the man”. Because it’s damn near impossible to change that. But it’s not overly difficult to change yourself and your situation if you have some perseverance, grit, and a baseline of intelligence.

@FinancialWarden I have a plan for every dollar that hits my account. If I'm holding cash (in a savings account) it has a specific purpose. (Emergency Fund, Vacation Savings, Car Savings, etc.) Every dollar should be put to work.

Cash is trash or cash is king, where do you land right now in this market?

@Fsl_X FSL… I know I can count on you to reply. Appreciate you!

@RedBarSystems Hi JB!!