Dividend Buff

I refinanced my mortgage with $SOFI 🏡: 📉6.9% to 4.8% ⬇️20yr to 15yr (total cut 3yrs) 🟰Same monthly payment 📈2x the amount to principal each pmt Interest saved: over $150k💰

Congrats! My advice as a dad is you will find more people and places telling you that you’re not raising your kid right or doing enough. Ignore them and the guilt/shame that comes with it. Work together, do what’s right for you, and enjoy each phase or parenting. It goes by fast…

I don’t talk about my personal life much on here, but I wanted to share a BIG life update with you all! I got married back in August of 2024 and we decided to wait at least a year before having kids. Well, about a year and a half later, here we are with baby #1 on the way! We are very excited, but if I’m being completely honest, I’m also terrified. Being the one to go through the physical changes and the labor process has always seemed scary to me. And now that it’s a reality, I’m even more scared 😅 That being said - moms out there, I’d love some tips and tricks to help guide me through this pregnancy along the way 💕 We definitely have a lot to figure out when it comes to finances, so plans are going to have to change for a while. No more maxed out IRA, unfortunately 😅 I’ll keep grinding my best with what we have already accumulated in our brokerage accounts and IRAs, though! Finances aren’t everything, and this journey will be so worth the financial sacrifice 🥰

@ElijahColeman21 Oh man…. That is troubling.

@dividendbuff within an hour 1k impression.. vs something thats more real received no traction!

I am 27 years old. Here's my problem: Savings account: 60k Liabilities: -100k Investment account(s) value: 45k Low-paying job and highly stressed. What am I doing wrong? Help me figure out what I'm doing wrong so I can change my life.

@ElijahColeman21 And…. How did it do?

@dividendbuff sorry to troll you, but i got curious with this one

@ElijahColeman21 😆nice!

@dividendbuff I appreciate your feed back, but i should let you know x.com/ElijahColeman2…

@WallStSimple Great work 👏

We just hit 1,200 followers. 🥳 This page was at 1,000 just 4 days ago. Appreciate every new follow. It’s been awesome meeting so many of you lately. If you’re new here, reply and say hi. I’d love to connect.

BREAKING🚨 My portfolio📉 In all seriousness, this will pass. Like the tariff scare at this time last year, the markets will recover. I am not worried!

@ThatRothGuy As long as you live within what it can produce, you’re golden📈

@dividendbuff My amount is so much less than that. And that’s completely fine.

A retirement nest egg of $5 million will earn roughly $350k-$500k a year in interest. For most, that’s enough without even having to touch their principal (RMDs aside). What’s your retirement target?

@WallStSimple Agreed. My kids and grandkids are most likely to benefit from Papa Buff’s hard work….😆

@dividendbuff That is PLENTY

Side hustles can create additional income. They also surprise a lot of people at tax filing time thanks to spending everything the side hustle made throughout the year. To avoid this surprise, we automatically put aside 25% of everything we earn into a HYSA.

@WallStSimple @NEOSInvestments

@dividendbuff @NEOSInvestments Love that cash flow

It’s my favorite time of the month. @NEOSInvestments just declared their dividends for the month💵: $QQQI: $0.6089 $SPYI: $0.5104 Solid, consistent returns every month📈

@goooonnney Yes. It’s work, but you are a better person for it.

is marriage worth it?

@HassiOnTheMoon True, but also the risk of a single stock

@dividendbuff Palantir did 1000%+ in that time

For those who invested in $VOO and chilled, your money has double in 3.5 years. Not bad🤝

@SoFi response.

@talkingstocks81 True…. But still an incredible return

@dividendbuff Right but 3.5 years ago was the end of a 24% crash. So it's not always that easy

@GrindeOptions Still holding a long term on a good amount of shares….

If you’re a $SOFI shareholder and believe in their long term mission, Leave a comment below! The short sellers are outnumbered.

@ZWilt13 You can’t see the forest through the trees my friend….

@dividendbuff It’s not? On a million dollar portfolio that’s 100k. You’re honestly going to tell me that’s not significant?

I bought 100 shares of $SOFI at $16.66 with today’s dip. Sold them 30 minutes later at $17.36. This wasn’t a long term move, but took advantage of a short term dip. $70 gain in 30 minutes.