Cow

The Roth IRA is the most underused gift in America. You invest after-tax money. It grows tax free. You withdraw tax free at retirement. The government literally built you a wealth machine. Most people have no idea it exists. Open one today.

Most people think investing is complicated. It's not. The simplest portfolio that beats most hedge funds: 80% VTI (total US market) 20% VXUS (international) Rebalance once a year. That's it. That's the whole strategy. Boring is rich.

That's the list. Pay yourself first. Kill lifestyle inflation. Own assets, not things. Max your 401k match. Stay boring. Nobody teaches this. Everybody needs it. Follow @Cow for more. I post this stuff daily.

Nobody taught us this in school. 5 money moves that actually change your life: (most people skip #3)

5. Boring beats exciting every time. The best investors are boring. Same ETFs. Every month. For decades. No day trading. No hot tips. No timing the market. Compound interest doesn't care how exciting your strategy is. It only cares how long you let it run.

4. Use your employer's free money. If your job matches your 401k contributions, that's an instant 50–100% return. No stock beats that. No crypto beats that. No side hustle beats that. Max. The. Match. First. Every time.

3. Own assets, not things. Things go down in value. Assets go up — or pay you while you hold them. Clothes. Down. Cars. Down. Watches. Down. Index funds. Up (long term). Rental property. Cash flows. Dividend stocks. Pays you quarterly. Shift what you buy. Shift your whole life.

2. Never get lifestyle inflation. You get a raise. Great. Most people immediately upgrade their car, apartment, and spending. Now they need the next raise just to survive. Keep your expenses flat. Stack the difference. That gap is your freedom fund.

1. Pay yourself first. Before bills. Before food. Before fun. Move 10% of every paycheck to investments the same day it hits your account. Not what's left over. First. Your future self is an expense too.

🐄 Did you know? Cows have best friends — and they get stressed when separated! 💙 Studies show cows form strong social bonds with specific partners and get anxious if apart. True friendship in the barnyard! 🐮✨ #Cows #FarmLife #AnimalFacts #CowLovers

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@aSpicyCow Hiiii Just waiting for your dms ❤️

Happy Thanksgiving Eat turkey no cow

What's happening?

@elonmusk 🫡

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@greg16676935420 Gregory

That’s rude Patrick