Financial Wellness Guy

Most people don’t fail with money because they’re lazy. They fail because their systems are fragile. Financial wellness is about: • fewer decisions • better defaults • less stress I write about predictable money systems for real life — not finance influencers.

@UziCryptoo Certainly a strategy. Pretty sure you can’t rent either

Honestly, at 40, what's stopping me from taking out a $100,000 personal loan and maxing my credit cards to take a few dream trips, and buy all the shit I want, and then declaring bankruptcy? I probably won't be able to buy a house in the next 7 years anyway, so who really gives a shit about credit scores?

@BaseballQuotes1 Wait is this real? This can’t be real

Never seen an outfielder put sunglasses on while the ball was in flight

@cmsinvests Facts. I gotta get those shares asap

So you're telling me if I own 5,000 shares of $JEPQ at around $0.64 monthly dividend I will get $3,200 every month for literally doing nothing You could retire off of that income. Why aren’t more people doing this?

@TheICHpodcast Underwater welding kinda breaks my brain

Mike Rowe knew an underwater welder who increased their income from $70,000/year to $320,000/year tax free by moving to the Gulf of Oman Mike’s Friend: "I was making maybe $70,000 a year. So, I knew a guy who got me into an underwater welding program. And as it turns out, I was pretty good at it. And so I did that for a year and was making about $130,000. And then, something opened up overseas Gulf of Oman, pipeline underwater. $320,000 grand tax-free."

@0xBassey Honestly shout out to TGI Fridays

Chris Paul reveals how he spent his first NBA money after having just $151 in his bank account “I had $151 in my bank account when I declared for the NBA Draft.” “My financial advisor wanted to send me $100,000.” “My parents said, ‘No, that’s too much.’” “So they sent me $25,000.” “I took my girlfriend, who’s now my wife, to the mall.” “I told her, ‘Buy whatever you want.’” “Then we went to TGI Fridays.” “That was the first time we paid with one check.” “It’s been one check ever since.” “The first thing I bought for myself was a BMW 750.” “To me, that was the nicest car in the world.”

@darrenrovell Kinda crazy how much bank directors make

Highest earning celebrities in 1998.

@katsuxbt Just because you make good money doesn’t mean you should live above your means

JJ Redick says $10,000,000 is supposed to last an NBA player forever “During my career the average NBA career was like four and a half years. So if you play four and a half years, that means you’re not getting to a real second contract” “You’re likely making 750, 1.2, 1.5 maybe you get an exception, 2.9. So you’ve made $8 million over four and a half years. Let’s call it $10 million over five years” “You’ve got $5 million to spend. You’re in the NBA, you’re going to get a nice car, you’re probably going to buy a nice house, but you’re going to take care of your parents before you spend another dollar” “Then you’ve got to pay your agent. How is that supposed to last you the rest of your life?” “It’s not about the intake, it’s about the outtake”

@WallStreetApes Like just do whatever you want but no one cares about this stuff

Black American on social media emphasizes over and over again that the business she’s at is “Black owned” and she is only visiting “Black owned businesses” for social media Just imagine if someone was to visit businesses and repeatedly say “White owned, white owned, white owned” The comments are on the right side of this one

@WallStreetApes I’m all for processes but some processes (this) are stupid

American is given a misdemeanor because he caught a fish that was over 16 inches The fish and game warden even called in backup police for this serious incident You are only allowed to have 1 fish over 16 inches at this location, so the officer measures each of his fish to ensure he’s in compliance, then gives him a misdemeanor Our founding fathers never meant for this level of Government intrusion in our lives In places like Florida for example, there are bad limits and size limits. Failure to follow these laws can land a misdemeanor, jail time and a fine

@WallStreetApes I can’t take any more of these stories

Americans are convinced they are being sold fake chicken The last chicken breasts she shows from the package is so mushy and stringy it can easily be pulled apart just by pinching it What’s really happening is the way modern chickens are grown no longer allows chicken breast to grow correctly Modern chickens go through an extremely rapid growth cycle. Commercial chickens grow 4x larger in half the time as chickens sold 50 years ago They grow so fast the breast muscle outgrows its blood supply and connective tissue strength. The muscle fibers weaken and don’t hold together well. This is what causes the meat to separate into long stringy strands We need to go back to smaller family farms and get away from massive commercial food plants

@theficouple One of the biggest issues we face as a society

Saddest thing you will read all day: A 71 year old grandma from Ohio owes ~$108k of student loans. She was as a therapist for 40 years making minimum payments. Compound interest tripled the amount she originally borrowed. ....Millions of people are in this silent trap.

@financedystop lol this seems insane

He built one of the most unique off-grid homes you’ll ever see and says it was a ton of work to build/maintain

@GuyTalksFinance Like in most areas of life. Leverage is key

You can buy a $500k home with a $100k down payment. If that home increases by 3% in value your equity would increase to $115,000. A 15% increase. If you invested that same $100k into the S&P500 with a 10% return you would have $110,000. You can’t underestimate the power of leverage.

@dickiebush Good systems scale

Your environment will always win over time. Bad food in the house? Good luck staying in shape. Bad friends around you? Good luck staying out of trouble. Negative people in your life? Good luck staying positive. Until your environment rewards the behaviors that get you closer to your goals, you will never make progress. So best to start curating it now.

@realEstateTrent It’s a beautiful area!

It’s been around a year and we are LOVING our Hudson Valley weekend hours. Under 2 hours from NYC, beautiful drive, you get a ton of land, can feel the stress leave your body as you arrive in nature, there is no “scene” - and it’s a vacation every weekend. Been a total game-changer, and the kids LOVE it even more than we do.

@WallStreetApes Small percentage increases will also go along way

Mass deportations solve all of our problems in America “Mass deportation solves literally all of our issues that we have in America today, whether it's the crime rate, whether it's the housing crisis, whether it's affordability, whether it's just, just standard of living, social cohesion, community gathering, charitable giving. Every single social metric and societal metric will drastically improve. All of these things can be drastically improved if America isn't focused on babysitting foreigners” But right now, all of American politics has been literally reorganized and restructured so that it's all about babysitting foreigners and the lowest common denominator in society. The criminals, the violent ones, the gangbangers, the baby mamas. You just have to have mass deportations, and it solves literally 90% of the issues And I think the rest of the 10% of the issues can be solved with mass incarcerations. That's it.” He’s right, American politics is no longer about helping Americans or anything Americans need. It’s all about foreigners, catering to foreigners, importing foreigners l, benefits for foreigners. American are completely forgot about America never used to be like this because mass migration. Deport them ALL

@realEstateTrent I’m glad the paper straws work in plastic cups

Serious question: Is there a law in nyc requiring restaurants to only use paper straws? If so, is it enforced? By who? Customers can’t want this.

@WallStreetApes Umm excuse me?! 3D printed?!

Campbell’s soups is trying to salvage their brand The new Campbell’s “High Quality Ingredients” soup line features “no artificial meat” This comes in response to an executive calling company products "shit for poor people" and claiming they contain 3D-printed bioengineered meat I would personally never trust Campbell’s again after that admission. It’s only a matter of time until they change the formula to make it cheaper for them to produce

@Budgetdog_ Nobody is!

Every year someone says: “This is the year international stocks win.” Or small caps. Or commodities. Or bonds. Sometimes they’re right. The problem is nobody knows which asset class will lead next. Diversification isn’t admitting defeat. It’s admitting you’re not psychic.

@WallStreetApes This is so beyond gross I can’t even

The Cyclospora outbreak proves that human fecal matter has made it way onto our food, and there is only a few ways that could happen “Cyclospora, the only known host that allows the parasite to mature is a human. No other animal, no other plant, just the humans. And it's shed through our feces” She goes over theories like grey water and human feces being used as a substitute during the fertilizer shortage taking place right now “Now, the plants can be carriers, like it can live on there, but it, it can't go through its cycle to maturity unless it's in a human body. So the only way they would have it on them is if they were splashed with Infected water or infected feces? “What the heck is going on?” Let me remind everyone investigations into the Cyclospora outbreak have linked to iceberg lettuce suppliers in Mexico And what were the migrants pouring across our border doing under Biden? They were causing a lettuce e. Coli outbreak by defecating in our lettuce fields…. It’s likely Mexico and third world foreigners are getting infected and then defecating in the fields The workers in the fields are just going on in the fields and infecting the plants