Wyly

@UziCryptoo Delta Reserve card is worth it. Especially if you are spending the money any way. It’s not up for debate.

CALLER: I put $3,000 worth of monthly expenses on my credit card and pay off in full. I get 2% cash back, so that's $60 back every month. DAVE RAMSEY: Get rid of the card. You're telling me that you spend $3,000 on a high interest credit card, just to get $60? That's not how you get rich! CALLER: I don't pay interest, I pay it off every month and get $60. DAVE RAMSEY: Get rid the card, use debit cards ONLY! CALLER: So give up the $60 I get back monthly? DAVE RAMSEY: That's not how you get rich! In reality, if you are resposible, USE credit cards. It's not just cash back. It's also liability protection. Every dollar matters.

@Budgetdog_ Have around 125k saved. In cash. Have gone back and forth. 50k or so for emergency fund. Roth is maxed 401k match is matched. DCA into ETFs for the win or rental property and then keep DCA with extra and bonuses?

If you can’t handle $10,000 you definitely won’t be able to handle $1,000,000

@Legal_Eagle_52 @Budgetdog_ You don’t always add years though? If I’m ten years down and I take a 20 year mortgage to refinance how is that not smart if the rate has dropped by 2 percent. Or even shave 5 more years and take a 15 year but save in interest so payment is the same as old loan but 5 less years

@browngrady1 @Budgetdog_ 1-2% closing fee of the entire loan and adding years back to your mortgage payment.

I'm 34. I've spent 13 years in finance. I have a multimillion dollar net worth. These are 25 things I'll NEVER do with my money: (even if you pay me) 1. "Time the market." 2. Invest in anything I can't explain in a sentence. 3. Day trade. You're more likely to climb Everest than turn a profit. 4. Buy individual stocks. If 92% of investors can't beat an index fund, I'm not dumb enough to think I'm special. 5. Buy a new car off the lot. 6. Pay for insurance without getting 3 quotes first. 7. Lease a car. This is literally the worst financial product ever invented. 8. Pay minimums on a credit card. 9. Buy whole life insurance. 10. Take financial advice from broke people. 11. Die without a will. The government takes 30%+ and your kids get the scraps. 12. Use a financial advisor. 1% in "fees" can cost 28%+ of your lifetime returns. 13. Trust a "get rich quick" program. If it worked, they wouldn't be selling it. 14. Keep more than 3 weeks of expenses in checking. 15. Pay bank fees. Just switch banks if they won't waive them. 16. Use a savings account under 3% APY. HYSAs exist for a reason. 17. Celebrate a big tax refund. You literally gave the IRS a tax free loan. 18. Co-sign a loan for anyone. 19. Buy a house I won't live in for 5+ years 20. Refinance just to "lower your payment." 21. Skip the employer 401k match. It's literally part of your salary. 22. Fund my kids' college before securing my own retirement. 23. Pay a medical bill without asking for an itemized receipt. 80% of them have "mistakes." 24. Blame the economy for problems my budget created. 25. Wait for the "right time" to start investing. None of these are complicated. None of them require a degree. All of them are available to you. So save this before you forget it... And follow me @Budgetdog_ more 🤝🏻

@RadarHits Ah yes the missile going a full 50 miles per hour

💥IRANIAN MISSILE SMASHES INTO U.S. NAVY SHIP Watch how it ignore 3-4 other ships and specifically targets the Maritime Strike Tomahawk support vessel, which replenishes other ships with missiles.

@SECUnfiltered Not sure about happiest. Baton Rouge for sure feels different. Bama will be most miserable soon. Their NIL is cooked. Going to be sad times in T town in the near future. Not a slant at Bama either but the hurt will be there soon.

Which SEC fanbase is currently the HAPPIEST? Which fanbase is currently the MOST MISERABLE?

@StoolMintzy If they win this Sumrall has a legit argument for any position in the country. The coaching carousel is a wild place right now and he will be the potential G5 entry into the playoff beating memphis. IMO I'm also an idiot.

ROLL MF WAVE!!!!

@zrkc_ Not even kidding when i take the emergen-c 1000 packets it is so noticeable.

@MyLordBebo This is probably Turkey

🇮🇷 IRAN TODAY: Just watch this short walk through Teheran! -> Count the women that wear a head scarf and those who do not. Now tell me, is this what you expected? Iranian women can wear a headscarf if they choose to, but if they don’t … then they don’t. It’s a modern Muslim nation. 1/

@ncole_r Not praising. Just don’t want our soldiers fighting Israel’s war….. again. Netanyahu told us Iraq had WMDs as well. Look where that got us.

Ideology has replaced morality and the West will pay the price.

@TheNateVibez @CODUpdates Mine is still Doing it this morning. Yours?

❗️ Call of Duty: #Warzone We are currently investigating reports of intermittent performance issues in Warzone following today's update.

@CharlieK_news 100 percent yes

YES or NO?

@nickgerli1 @grok what is the net population moving into Florida every month?

I don't think people understand what's happening in housing market right now. Florida now has 177,00 listings. Highest level on record. Entire Northeast U.S. has 79,000 listings. Lowest level on record. People are leaving Florida. And moving back north. A structural trend that will likely last years, and cause Florida's housing market to decline for an extended period.

@V_ShapeFitness This with no shoes is the way

1. Quads: Hack Squat Arguably the best quad builder. ▫️ Takes strain off the back ▫️ Increased range of motion ▫️ Prioritizes muscle failure over task failure Training Cues: ▫️ Narrower stance ▫️ Feet lower on the platform ▫️ Control the eccentic for 3 seconds ▫️ Keep torso engaged with back flat againse the pad

The only 17 Exercises you'll ever need to get in the best shape of your life: (Videos of each included)

@morellifit Soooo how much test you taking? 300 a week? You can be honest and still tell people all these great habits. But Noone at your age is going to look like that without gear.

Getting lean after 40 is impossible… That's what they told me when I was: • Overweight • Sleeping 4 hours a night • Watching my health deteriorate daily Until I discovered these 13 fat loss tips that got me shredded:

@historyrock_ Love November Rain. That guitar solo.

What’s the greatest Guns N' Roses song?

@hereforstorm @BowTiedPhys Amazing results. Especially in post menopausal women. For cognitive and muscle retention.

@BowTiedPhys What’s the effect on women? I just got mine today and put it in my coffee

A lot of things you can do to improve your health in 2025 The simplest one: 10 g creatine daily

@zrkc_ Truest statement I’ve seen

It’s true. Any former baseball player should never play softball. Everyone expects you to hit it 700 feet and 9 times out of 10 you roll over it because never in your life have you tried to time up a youth pastor throwing it underhand from 45 feet. Even when you do hit it well, you’ll likely hit a knuckle ball line drive that will kill a receptionist because proper baseball mechanics don’t translate. It’s a stressful experience. Then some guy on the other team built like a 300 pound wine glass chops it and it backspins to the moon and all the trailer park girls in the stands turn into water parks.

RIP red 40 and yellow 5

elon drafting his “what did you get done this week?” emails to the head of every federal agency right now