Curtis Hearn, MBA, CFP, CEPA

2.4K posts

Curtis Hearn, MBA, CFP, CEPA banner
Curtis Hearn, MBA, CFP, CEPA

Curtis Hearn, MBA, CFP, CEPA

@curtis_hearn

Your finances flowing in the right direction. Wealth mgmt & planning for execs and biz owners. Posts not advice. https://t.co/HSCfmYTYQP

Atlanta Katılım Ekim 2012
623 Takip Edilen398 Takipçiler
Curtis Hearn, MBA, CFP, CEPA
@AustyUSA Simplest answer is probably just capex cycle. They already have gas tools and it would be stupid not to run them long enough to get a decent ROI. So even if it does make economic sense, it will take a while.
English
0
0
0
111
Austin 🇺🇸
Austin 🇺🇸@AustyUSA·
All the lawn care companies in my area still use gas tools. Seems like it would be a no brainer to get an electric pickup and all-electric tools, then you can charge batteries from the truck all day and be way less noisy/stinky. Is there a reason this hasn’t happened at all?
Austin 🇺🇸 tweet media
English
395
28
644
71.7K
Ⱥᴀʀᴏʜɪ 📍
Ⱥᴀʀᴏʜɪ 📍@aarohiyadav100·
What is the biggest number you can make by moving only 2 match sticks🤔 97% failed 😱
Ⱥᴀʀᴏʜɪ 📍 tweet media
English
2K
97
290
88.7K
Arden Gray 🇺🇸
Arden Gray 🇺🇸@Arden_2210·
Your calculator won’t save you here. Only real ones know answers
Arden Gray 🇺🇸 tweet media
English
2.2K
84
298
58.2K
ANII
ANII@Anna_xb2·
Only for mathematician 0.00001% will be successed..
ANII tweet media
English
3.5K
117
404
82.4K
Sehrish 🧢
Sehrish 🧢@SqSehrish·
Even AI struggles with this one Are you smarter than a robot..?
Sehrish 🧢 tweet media
English
1.8K
69
209
47.2K
Elias 💫 Vandreax
Elias 💫 Vandreax@VandreaXinc·
@WatcherGuru If there is a hell he is surely going there. Money is finite. If hes holding then there is less money for the rest.
English
38
0
15
2.9K
Watcher.Guru
Watcher.Guru@WatcherGuru·
JUST IN: Elon Musk says his goal is to reach a $10 trillion net worth. "$10T or bust"
Watcher.Guru tweet mediaWatcher.Guru tweet media
English
1.8K
1.2K
13.7K
3.6M
Ethan Levins 🇺🇸
Ethan Levins 🇺🇸@EthanLevins2·
Iran is attacking on a Monday to cause PANIC in the American stock market. Trump cannot hide from this one. Iran holds the upper hand.
Ethan Levins 🇺🇸 tweet media
English
64
235
1K
14.9K
Curtis Hearn, MBA, CFP, CEPA
That implies govt spending is the secret to economic growth. If that were true, every communist state would be rich today, and not the opposite. Defense spending is a tax on the US and we as citizens have to pay for it, either in higher taxes or via debt, which ultimately gets paid via inflation/dollar devaluation. So no, it does not "benefit" the US citizen.
English
2
0
0
17
Krasnov Bonespursky
Krasnov Bonespursky@KrsnvBonespurky·
@curtis_hearn @JuanCastel21756 @nicksortor You missed a few key points: US' defense expenses stay in the US, are that high regardless of NATO membership, and the US sells the majority of weapons and equipment to other NATO members. The US greatly benefits from being in NATO.
English
1
0
0
16
Nick Sortor
Nick Sortor@nicksortor·
🚨 JUST IN: President Trump says the US will be withdrawing "A LOT" more troops from Germany than the 5,000 announced yesterday FINALLY. Bring our troops home! We don't need NATO — NATO needs US! "We're going to cut WAY down and we're cutting a lot further than 5,000" 🇺🇸
English
6.4K
13.9K
70.5K
2.2M
Ethan Brooks
Ethan Brooks@alt_w_v_g·
My 5 year old set up a lemonade stand on the driveway this morning By 11am he'd cleared $10 I sat him down at the kitchen table to walk through the financials Lesson one: taxes Had him lay all ten singles flat on the table Pulled $3.70 for federal at the top marginal rate $1.53 for self-employment $0.83 for state and local Slid $3.94 back across the table He stared at it I told him that's why owners don't pay themselves W-2 Lesson two: adjusted EBITDA We rebuilt the income statement Cups. Added back Lemons. Added back Sugar. Added back Water. One-time normalization Driveway rent. Above-market related party Founder hours marked to a $25/hr opportunity cost By the end he had $10 of revenue and $47 of adjusted EBITDA I told him to apply a 12x multiple Enterprise value of $564 Lesson three: continuation vehicles I stood up Brooks Lemonade II, LP Son sold the stand from Fund I to Fund II at 14x I took 20% carry on the markup He kept the rest Said it didn't feel like he sold anything I told him that's the point Now for Monday He's mapped three other kids on the cul-de-sac running stands Plans to acquire all three at 4x at recess Roll them into the platform Piggy bank provides the unitranche. SOFR plus 600. Covenant lite Mark the platform at 16x in Brooks Lemonade III LPs are first graders with allowance money Take a recap dividend Reset the clock I didn't say anything He was already in Excel Make common sense common again Sent from my iPhone
English
81
79
2K
115.4K
Curtis Hearn, MBA, CFP, CEPA
The United States spends significantly more on defense than Germany, consistently leading all NATO allies in total expenditure. As of 2025 estimates, the US accounts for roughly 62% to 66% of NATO's total defense spending, far exceeding the contributions of all European members combined. 2025 Defense Spending Comparison (Estimates) •United States: ~$980billion •Germany: ~$114billion Key Points •Total Volume: The US outspends Germany, and all other NATO members, by a massive margin in absolute dollar terms. •Germany’s Rise: Germany has significantly increased its military spending to become the largest military spender in Western Europe, moving toward 2.3%–3.1% of its GDP by 2025-2027.
English
1
0
0
23
Curtis Hearn, MBA, CFP, CEPA
I get that you're upset, but your tantrum comes off like a confused toddler. This is a complex issue and given our MASSIVE deficit and ballooning debt, it makes some sense to stop disproportionately supporting countries that could and should be protecting themselves. It arguably makes them stronger in the long run as well.
English
1
0
1
60
DEBUNKING MAGA 101
DEBUNKING MAGA 101@JuanCastel21756·
2028 Can't come fast enough before this moron destroys this country and breaks it to a point we won't be able to recover from. "We don't need NATO" Only a brain dead imbecile can think something this stupid is true. NATO is basically a force multiplier for the U.S.: Yes, we spend a lot, but we get troops positioned globally, allies buying our weapons, and partners in missions like Iraq, Libya, and fighting ISIS. It helps counter China, keeps Russia in check, and keeps Europe stable (which means safer trade + bigger markets for U.S. companies). Is it perfect? No. But scrapping it would likely cost more and make the world more dangerous. Give our enemies more power over the region and affect our global arms sales. SOMEONE NEEDS TO CONTROL THIS MORON!
English
49
18
403
16K
Curtis Hearn, MBA, CFP, CEPA retweetledi
Yogi
Yogi@Houseofyogi·
Spirit Airlines died tonight at the hands of the socialist crusader, Elizabeth Warren She must be so proud to add another casket to her achievements. Tonight at 3am, Spirit turns off the lights. 14,000 jobs gone. 30+ smaller airports lose service. JetBlue offered $3.8 BILLION in cash to buy Spirit in 2022. Shareholders, flight attendants union, literally everyone voted yes. The combined company would have held 9% of the US market against a Big 4 that already owned 80%. For anyone who understands numbers: 9% isn’t a monopoly against 80%. Warren said no. She wrote letters. She pressured Buttigieg. Biden’s DOJ sued. A federal judge killed the deal in January 2024. Her argument: the merger would cost consumers $1 billion a year. Now look at her collateral damage she dusts under the rug. 510 pilots gone in the months after. 1,800 flight attendants furloughed in December. 14,000 jobs in 2023. 7,500 last week. Zero tonight. And that’s just the people in Spirit uniforms. Catering goes. Fuel guys go. Baggage crews, gate agents, airport coffee shops, hotels and rental cars in 70 cities Spirit flew to. Every airline job carries 3 more on its back. 40,000 people out of work because of one woman’s moronic crusade against the market. And the math ain’t mathing. Spirit abandoned 90 routes during the death spiral. Fares on those routes are up 14% on average. Oakland to Newark: $135 to $288. Fort Myers to San Juan: $92 to $219. Kansas City to Newark up 66%. That’s reality. Not some BS number from a “study.” So @SenWarren tell me how this saves the consumer money? Cheap carriers in a market drop fares 21% across the board. Southwest did this in the 90s and saved Americans $68 BILLION over 20 years. Warren killed it. That’s what moronic politicians led by socialism do. Then with her own blind arrogance, she tweeted Spirit’s collapse is “a Biden win for flyers.” A win. 14,000 people are reading termination letters tonight. And she’s taking credit. This is socialism in 2026. A senator who’s never made payroll thinks she knows how to run a market better than the people who own and work in the company. She saved you a billion on imaginary paper. She cost you ten times that in real life. She didn’t protect consumers from anything. 14,000+ will go from working to welfare. She will make sure to blame billionaires, hardworking tax payers, AI, capitalism and whatever monster they will make up tomorrow hiding under your bed. Higher taxes. Fewer jobs. More expensive everything. She called it a win. I hope you enjoy winning.
English
5.9K
33.5K
124.3K
6.5M
♡
@Elsie_560·
Can you think of an answer to this question ?🤔 Only for Top iQ level mathematicians
♡ tweet media
English
3.1K
121
544
110.4K
Barack Obama
Barack Obama@BarackObama·
Today’s Supreme Court decision effectively guts a key pillar of the Voting Rights Act, freeing state legislatures to gerrymander legislative districts to systematically dilute and weaken the voting power of racial minorities - so long as they do it under the guise of “partisanship” rather than explicit “racial bias.” And it serves as just one more example of how a majority of the current Court seems intent on abandoning its vital role in ensuring equal participation in our democracy and protecting the rights of minority groups against majority overreach. The good news is that such setbacks can be overcome. But that will only happen if citizens across the country who cherish our democratic ideals continue to mobilize and vote in record numbers - not just in the upcoming midterms or in high profile races, but in every election and every level.
English
52K
50.3K
297.8K
71.8M
Simi🦋🇺🇸
Simi🦋🇺🇸@Simi_2210_·
This question separates smart from smarter Solve this if you're legend
Simi🦋🇺🇸 tweet media
English
15.1K
304
3K
3.5M
Curtis Hearn, MBA, CFP, CEPA retweetledi
Matt Van Swol
Matt Van Swol@mattvanswol·
You are total moron who doesn’t understand anything about the healthcare system. Let me help you out. Picture a town with 1 hospital. A doctor wants to open a clinic across the street. He has the money. He has the patients. He needs one thing first… Permission from the hospital he’s about to compete with. That’s not a joke. It’s called Certificate of Need. Thirty-five states still do it. The hospital that’s already there gets to vote on whether the new one exists. They always vote no. That’s why your local hospital can charge $4,000 for an MRI that costs $400 in cash at an independent clinic two states away. There is NO competition because regulations has strangled it. It gets worse. The AMA caps how many doctors America trains every year. On purpose. They’ve done it since 1997. We have a shortage they manufactured. A nurse practitioner who could handle 80% of what a GP does is banned from doing it solo in half the states. Why? Because doctor lobbies wrote the laws. Hospitals lobby to block hospitals. Doctors lobby to block doctors. You don’t have a market. You have a cartel. Every wall in this maze was built by someone who profits from you being lost in it. The fix isn’t complicated. It’s just illegal in too many places. 1) Kill Certificate of Need. Let anyone build a hospital. Let surgery centers open across the street from the big systems. Watch prices drop DRAMATICALLY. 2) Uncap residencies and medical schools 3) Let nurse practitioners and pharmacists practice to the full scope of their training in every state. Most of what you go to a doctor for doesn’t need a doctor. 4) Untie insurance from your job and make individual plans fully tax-deductible. The reason healthcare is a shit show is because there is ZERO competition because it is strangled by regulations and funded by the government. Everything that is funded by th government goes this way. Look at college tuition… same route. The best thing you can do for prices is to pull out the government in every possible area.
English
518
3.7K
12.5K
100.1K
Curtis Hearn, MBA, CFP, CEPA retweetledi
Megan Basham
Megan Basham@megbasham·
No one tried to assassinate Barack Obama. No one tried to assassinate Joe Biden. No one tried to assassinate Kamala Harris. But President Trump has now survived three serious assassination attempts. This is not both sides issue.
Megan Basham tweet media
English
351
980
3.4K
199.1K
Curtis Hearn, MBA, CFP, CEPA retweetledi
Neuralink
Neuralink@neuralink·
We are working to restore mobility that was lost due to disease or spinal cord injury by allowing participants to control robotic arms with their thoughts. See how this is possible.
English
538
1.6K
10.2K
15.7M
Sassafrass84
Sassafrass84@Sassafrass_84·
She can do what she wants. She owns the place. People need to stop shaming Christianity. Everybody else's religion is protected, but ours. I fully support Lynsi Snyder. Do you?
Sassafrass84 tweet media
English
4.1K
8.5K
53.8K
1.2M