Seth Hansvick, CFP® (@S_Hansv) - Twitter Profili

Seth Hansvick, CFP® retweetledi

Anticipated wealth doesn’t reduce stress. It often increases it. I see this when I speak with people. A future inheritance or large sale. More money is likely coming. On paper, life looks better than ever. But they don’t feel better. You expect it to change how you feel now. It doesn’t. Because anticipated wealth lives in the future. Your life still runs on today. Wealth only changes how you feel when it becomes usable. What often happens with money you expect: Timing → arrives later than expected Amount → less than expected Counting on it → lifestyle starting to adjust to it So don’t build your life around money that isn’t here yet. Make your current life work without it. Spend based on today’s income. Save like the future might be delayed. Keep risk at a level you can live with now. Then when it arrives, it’s upside. Not something you needed.

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Seth Hansvick, CFP®@S_Hansv·30 Nis

Buying a home won’t fix your finances and renting doesn’t mean you’re falling behind both can be right both can go wrong A home is not an investment - it’s where your life happens - the money part comes later, if at all what actually matters → income steady income covers mistakes without it, a house becomes stress … fast → timeline if you might move in a few years buying may be a big risk for you → cash owning comes with surprises repairs .. often not cheap ones → flexibility renting can buy you options buying may trade that for stability there is something real about owning, it does feel different more settled and permanent just don’t confuse that feeling with a guaranteed financial win both are tools - use the one that matches where you actually are

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Seth Hansvick, CFP®@S_Hansv·28 Nis

@GenZMultifamily Nothing like teaming up with friends on a property just make sure the friendship can handle a roof, a loan, and a few surprises

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GenZ Multi Family@GenZMultifamily·28 Nis

You can sit there and cry about not being able to afford a house, OR... You and a few buddies can lock in and scoop up a 4 plex like this in the beautiful city of Dayton Ohio. You just don't want it bad enough

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Seth Hansvick, CFP®@S_Hansv·28 Nis

Buying vs renting requires math but that’s not the main point it’s a priorities decision Buying → locks in part of your housing cost over time → can hedge inflation Renting → keeps you flexible → usually cheaper in the short run Different tools for different seasons pick the one that fits where you are right now

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Seth Hansvick, CFP®@S_Hansv·22 Nis

Most people hear “stronger position” and think bigger number That’s not it

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Seth Hansvick, CFP®@S_Hansv·22 Nis

Most net worth targets after 40 aren’t that useful They ignore what actually drives momentum I’ve seen $2M portfolios feel tight and smaller ones feel completely fine What matters more than the total → steady income → positive cash flow → expenses you can actually adjust Lower fixed costs = more options High income doesn’t save you if your spending isn’t in check A better question: Are you getting into a stronger position every week, month, year That tells you more than any round number Net worth is a snapshot Track the numbers that change your life not the ones that impress strangers

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Seth Hansvick, CFP®@S_Hansv·16 Nis

@bankertobuilder feels questionable at 2pm

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Mason Home Builder@bankertobuilder·15 Nis

This is so cool Instead of grass, this neighborhood uses black artificial turf No water needed Looks sleek Perfectly blends into the desert landscape of Arizona

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Seth Hansvick, CFP®@S_Hansv·1 Nis

A few simple ways people protect their income: Emergency cash enough to cover a few months of core expenses Disability insurance because your ability to earn is usually your largest asset Keeping skills current so you’re still employable if your industry slows down or shifts And sometimes: avoiding lifestyle costs that require every dollar of your paycheck The goal isn’t perfection. You just need enough staying power

Seth Hansvick, CFP®@S_Hansv

Your biggest asset probably isn’t your portfolio. It’s your income. Everything else gets funded by it. Your paycheck is what: pays the bills funds investments covers taxes keeps retirement accounts moving No income, none of that happens. But there’s another reason it matters. Income gives you time. If markets fall ➝ you can still keep investing. If something expensive shows up ➝ you don’t have to sell assets. If an opportunity appears ➝ you can act instead of scrambling. For most people in their working years the income you’ll earn over the next 20 years is greater than the portfolio you've built so far. The investments matter. But the thing behind them is still your ability to earn. Protect the ability to earn.

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Seth Hansvick, CFP®@S_Hansv·13 Mar

Income risk rarely shows up the way people think it will. Most of the time it’s not permanent. It’s usually just an interruption. Examples: ➤ a layoff that lasts longer than expected ➤ a health issue (out of work for a while) ➤ a bonus that just doesn’t show up one year ➤ commissions fall Even short interruptions can force people into actions they wouldn’t normally make: ➤ selling investments at the wrong time ➤ draining savings ➤ taking on expensive debt That’s what stable income really does. It prevents a lot of those situations.

Seth Hansvick, CFP®@S_Hansv

Your biggest asset probably isn’t your portfolio. It’s your income. Everything else gets funded by it. Your paycheck is what: pays the bills funds investments covers taxes keeps retirement accounts moving No income, none of that happens. But there’s another reason it matters. Income gives you time. If markets fall ➝ you can still keep investing. If something expensive shows up ➝ you don’t have to sell assets. If an opportunity appears ➝ you can act instead of scrambling. For most people in their working years the income you’ll earn over the next 20 years is greater than the portfolio you've built so far. The investments matter. But the thing behind them is still your ability to earn. Protect the ability to earn.

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Seth Hansvick, CFP®@S_Hansv·12 Mar

Most people spend a lot of time thinking about: asset allocation market returns which fund to pick But almost no time thinking about the thing actually funding all of it. Their income. A few questions to ask: ➜ How stable is it? ➜ What would happen if it stopped for 6 months? ➜ Could your household carry itself without it? Investments are important. But during your working years the bigger risk is the income stopping.

Seth Hansvick, CFP®@S_Hansv

Your biggest asset probably isn’t your portfolio. It’s your income. Everything else gets funded by it. Your paycheck is what: pays the bills funds investments covers taxes keeps retirement accounts moving No income, none of that happens. But there’s another reason it matters. Income gives you time. If markets fall ➝ you can still keep investing. If something expensive shows up ➝ you don’t have to sell assets. If an opportunity appears ➝ you can act instead of scrambling. For most people in their working years the income you’ll earn over the next 20 years is greater than the portfolio you've built so far. The investments matter. But the thing behind them is still your ability to earn. Protect the ability to earn.

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Seth Hansvick, CFP®@S_Hansv·11 Mar

Your biggest asset probably isn’t your portfolio. It’s your income. Everything else gets funded by it. Your paycheck is what: pays the bills funds investments covers taxes keeps retirement accounts moving No income, none of that happens. But there’s another reason it matters. Income gives you time. If markets fall ➝ you can still keep investing. If something expensive shows up ➝ you don’t have to sell assets. If an opportunity appears ➝ you can act instead of scrambling. For most people in their working years the income you’ll earn over the next 20 years is greater than the portfolio you've built so far. The investments matter. But the thing behind them is still your ability to earn. Protect the ability to earn.

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Seth Hansvick, CFP®@S_Hansv·11 Mar

@SteveSkojec Agreed. These spots would need to make money tho

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Steve Skojec@SteveSkojec·11 Mar

I know I’m on repeat, but there really need to be more cozy evening hangout spots for people who live alone to grab a cup of tea, sit in a comfy chair, and read a book with other humans around. This “Everything closes by 6PM but bars” thing is the worst.

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Seth Hansvick, CFP®@S_Hansv·11 Mar

@RomanPuglise @BarbellFi The amount of personal flexabily between the two is vast.

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Roman Puglise, CFP®@RomanPuglise·11 Mar

@BarbellFi I think it depends where you live... Metro areas where commuting adds 1-2 hours additional time, without a doubt.

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Barbell Financial 💪🏻💰@BarbellFi·11 Mar

I rather make $75k/year fully remote Than $125k/year in office 5 days And it’s not even a tough decision 🙂

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Seth Hansvick, CFP®@S_Hansv·10 Mar

@RomanPuglise Great message Roman. As I read these, I kept thinking how truly valuable they are. Thanks for sharing!

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Roman Puglise, CFP®@RomanPuglise·10 Mar

That's it! If you found this educational and helpful, share to your followers! 1. Follow me @RomanPuglise for more of these 2. RT the tweet below to share this thread with your audience twitter.com/RomanPuglise/s…

Roman Puglise, CFP®@RomanPuglise

This past weekend I officially announced my retirement from the sport of lacrosse🥍❤️ Here are the 5 biggest lessons I learned along the way👇

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Roman Puglise, CFP®@RomanPuglise·10 Mar

This past weekend I officially announced my retirement from the sport of lacrosse🥍❤️ Here are the 5 biggest lessons I learned along the way👇

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Seth Hansvick, CFP®@S_Hansv·10 Mar

@MetamateDaz Don't be a waiter.

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daz@MetamateDaz·9 Mar

a friend’s boomer parents bought their home for $67,000 in 1993. Today, it’s worth ~$1,200,000 and he’s their only son so he thought he’d be a millionaire when they die but they just sold the house last week to enjoy their retirement 💀

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Seth Hansvick, CFP®@S_Hansv·10 Mar

Wealth isn't primarily determined by investment performance. It's mostly determined by investor behavior.

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Seth Hansvick, CFP®@S_Hansv·9 Mar

Stocks are truly a marvelous way for most households to capture the most wealth creation for the long term. If you don’t have long term, it also presents some significant risks of an unfavorable outcome. It comes down to how you view risk. For many, the risk of outliving your money or lost purchasing power over time may be the greater risk. That is, if the anxiety or panic response of volatility doesn’t derail you.

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Seth Hansvick, CFP®@S_Hansv·8 Mar

@cole_flynn_ @RomanPuglise allocation decision. Good point

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Cole Flynn, CFP ®, APMA®@cole_flynn_·8 Mar

@S_Hansv @RomanPuglise Once a goal has a timeline and a price tag, it stops being a dream and starts becoming an allocation decision.

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Seth Hansvick, CFP®@S_Hansv·8 Mar

Be specific about your goals. What do you want? When do you want it? How much will it cost? This is absolutely necessary to fund your future income goals and your aspirational items

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Seth Hansvick, CFP®@S_Hansv·8 Mar

@0xleegenz Yes its quite the display of different experiences

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