Steve · Millionaire Habits

By age 30, you should have a group of friends that talk business, money, and fitness, not politics and pop culture.

Here’s your weekly reminder that $1 million isn’t nothing, and 99% of people who say it is nothing don’t have anywhere near it. 

@DeanTTraining "But it's mainly water weight!" Lol.

2,000 2,000 2,000 2,000 2,000 4,000 3,500 The Monday-Sunday calorie intake of many If maintenance calories are 2,500…that means ZERO fat loss progress was made It’s amazing how many people do something just like this for DECADES and are still stunned w/ their lack of results

@JayTrading_Loot Right, that's what I was asking. What's YOUR number?

@SteveOnSpeed So many variables here, one can’t set a number. Cost of living area, spending habits, goals…. What seems like wealth to one will not be to someone else in an entirely different situation. Equation needs to account for these things. And that’s YOUR amount to be wealthy.

How much net worth do you need to consider yourself wealthy?

@nickpetru75 @BarbellFi Smart to take it as early as possible. Invest it if you don't need it.

@SteveOnSpeed @BarbellFi This is the exact reason why I’m taking SS at 62. I don’t even know if I’m gonna make it that long!

Start collecting Social Security at 62 My friend’s Dad delayed until 70 He wanted the maximum benefit Dropped dead on his 70th birthday Heart attack Paid $300k into it during his career And never saw a dime back of it 😬

@Budgetdog_ Can confirm.

Stress goes down 87% when you’ve got $1M invested

@beinlibertarian Most people would opt out, that’s why it’s not an option. It would go bankrupt overnight.

Everyone is talking about the National Debt But nobody is offering solutions. So here goes… If Social Security were optional, would you opt out?

Pick one: A paid‑off $2.5M home in your dream city $3M invested in index funds Rule: You can’t sell, borrow against, or move for 5 years.

@nikitabier For me, no. I don't see how it would affect my posting strategy at all.

Would it valuable to know how many of your followers have been active on X in the last 24 hours?

Most of y’all don’t need a financial advisor or any type of complicated strategy. You just need to stop spending money like a drunken sailor and give a shit about your future. That’s always step #1.

Most people don’t have an income problem as much as they have a “I immediately upgrade my lifestyle after every raise and bonus I’ve ever gotten” problem. 

@BTCDeepThoughts Wow, that’s nuts.

@SteveOnSpeed We got a quote last summer for basically the same thing you're talking about and they said "$400K minimum." So it looks like we're never adding on or building anything ever again.

Just got a quote for a new garage at our lake house. $70,000. Includes: Foundation. 24x30 garage. Loft area upstairs with full plumbing. Earth leveling. Running utilities, like power, water, and sewer. This is good, terrible, or about right?

@StockStreamer25 Yes, never pay interest!

@SteveOnSpeed The rewards are nice, but they only work if the card never turns into a loan. Points are great. Paying 20% interest to earn 2% back is where the math falls apart.

“Steve, don’t you feel bad that all those credit card rewards points you get is because people are in massive credit card debt?” No, because people will be in massive credit card debt whether or not I use all those juicy rewards points. 

After my very first job, every job since then came directly as a referral from someone in the company. Build that network and utilize the hell out of it. 

@genxtxn Holy crap.

@SteveOnSpeed That would be extremely low in my area. Working on one now and bids came in around $140k w no plumbing and unfinished upstairs storage.

@Isolveissues 24x30.

@SteveOnSpeed How large is the garage?

@theficouple Poor people wanna feel rich, and rich people wanna stay rich.

Ever notice this pattern: Rich people often drive cheaper cars but broke people drive luxury cars? ...Why is this!?

@LonestarMoney Just the one so far.

@SteveOnSpeed Sounds about right to me… How many quotes have you gotten ?