MoneyDad

If you like trading gap fills on stock charts, look no further than $SNAP. Every time it gaps up or down, it comes right back to fill it. It's not 100% if you go back more than a couple years, but it has been a near lock since then.

@Liathetrader Why is he part time? He should be working overtime.

Just took a ride with a friend of mine. He is 62, has a paid-off condo, and $100,000 to invest. That’s all he has. He works a part-time job making at most $2,000 monthly and can’t find a better one. He is short on bills every month. Needs 3,5-4k. He wants to buy a shitty real estate property with his $100k and rent it out. (I don’t even know what you buy in FL for 100k? Garage? ) I suggested passive income from dividend stocks instead. I believe the market provides a better investment with this money. Am I right?

@mcuban $2100/month for health insurance is insane no matter what plan, account, or family size.

What if there was a bank account available, that required you to deposit monthly, what you would have paid an insurance company in premiums, for an ACA silver plan. So for a family of 5 about $2100. The amount would then be used for Stop Loss Insurance set at $30k dollars. About $300. Another $200 would be used for local Direct Primary Care for your family The balance would be in YOUR bank account. Like an HSA, It could only be used for approved medical expenses. If you never have any medical expenses, you will get to keep the money plus checking act level interest, when you turn 65 If you have a medical event that is more than what you have saved, your bank will loan you the money you need to pay for it, up to the $30k stop loss trigger You would repay that amount using the monthly $1600 net deposit. Once the loan is paid off, the deposits start to accrue to you again. This is not insurance. It’s a specially designed bank account that gives you control, support, a doctor to work with and catastrophic financial protection. Lots of work and issues to be addressed. But I was curious what people think Let me know !

@GrahamStephan It’s not real estate. It’s California.

I’ve spent a decade telling people to do what I do: "Buy and Hold." Now I've decided to list my entire real estate portfolio for sale and walk away. It started slow. The bills, the maintenance, the tax increases... but the final straw was when I tried to develop an ADU to do exactly what the city of LA claims it wants investors like me to do: Create more housing. You'd think they'd make it easier, but after two delayed inspections, a sewer pipe replacement that needed 75 days advance notice, and a city-owned tree that became my responsibility, I'd had enough. The identity of being a real-estate guy is very hard to walk away from, trust me. For a long time, I stayed just because real estate was my "thing." It’s how I started. It’s what I’m known for. It led to every good thing in my life. But that blinded me to the fact that just because something served me in the past, it doesn't mean things haven't changed in the present. The reality of 2026 finally stripped the emotion away. My LA rentals are netting about 4-5% after the constant background noise of taxes, insurance spikes, and repairs. Meanwhile, a risk-free Treasury pays 5%. The trade-off just doesn't make sense any more. I’m reallocating to a liquid portfolio that actually lets me focus on the work I love. I published a deep dive on my Substack about the ADU nightmare that broke my patience, the exact numbers behind the exit, and where I’m moving the money next to buy back my sanity. I'll drop the link here in a bit.

@FurkanGozukara Checkmate? Think about it for 2 seconds. They don’t own the strait. They have no authority to do this. And they have no way to enforce it.

Brilliant move by Iran. They are planning to levy a 10% toll on all ships passing through the Strait of Hormuz. This will generate $73 billion a year, completely offsetting US sanctions and paying for war damages. Checkmate.

@allenanalysis And that was a mistake. Iran just lost their entire Navy.

🚨 Iran just closed the Strait of Hormuz to everyone except China. Let that sink in. The waterway that carries 20% of the world’s oil supply — gone. Controlled by Iran. Reserved for China. Remember what we said about the petrodollar? This is it. This is the moment. Gulf states already pausing LNG supplies. AI investment drying up. And now China just secured exclusive access to the most strategically vital shipping lane on earth — while America’s bases lie in ruins and six soldiers are dead. Trump started an unauthorized war built on lies to distract from Epstein. China just won it without firing a single shot.

@markcecchini True. Focus on tech and assume 15%

my brother in Christ please do not assume a 10% average investment growth rate for long term planning

@Saylor_lll $100k is no where near enough. You need enough to be able to lose a years salary and it not bankrupt you. There will also be years that you break even but still need to pay bills. If you want to live on $100k a year, you should have $500k saved up before you go full time.

Genuinely thinking of quitting my job to start trading full time. I have 100k saved up. This could be a huge mistake or a huge turning point in my career. Is it time to burn the fucking boats?

@Liathetrader The entire north east is covered in ice. Kids are back in school. The USA is risky to travel to for foreigners right now. Not a very desirable situation.

I went to NYC last week and hotels were $95–$150 for 3-4*. Decent hotels! 5* $400–$500. Four Seasons $1k! I haven’t seen prices like this since 2013. No tourists to be found. Today, British Airways cancelled my parents’ flight back to London. Probably empty plane. What’s happening?

@HustleBitch_ Aren’t sellers covering closing costs right now? This makes no sense.

🚨 AI JUST REPLACED REALTORS - THIS FIRST TIME BUYER USED AI TO BUY HIS HOME AND KEPT ALL THE COMMISSION A first time buyer in Florida skipped the traditional realtor and used an AI platform called Homa to find, analyze, and purchase his home. The AI searched MLS listings, ran pricing comps, generated the offer and then rebated the buyers agent commission back to him at closing, minus a flat fee. No 3% cut. No commission middleman. Over $10,000 kept by the buyer instead of an agent. Critics say buyers lose “local expertise.” Supporters say AI just exposed how inflated real estate commissions really are. Would you trust AI over an agent?

@Leo_Traydes Sounds like the perfect setup for a career in fintech

To my financial advisors out there Is it unreasonable or possible to become one with where I’m at in life? I’m going to get a degree in IT in May but I have found a love for Finance over the past year May be a silly question but do I have to go back to school if I wanted to?

@WheelieInvestor If I averaged 26% a year, I wouldnt have it in an account that locks it up until retirement. I want to enjoy that money whenever I want.

If I do nothing for the next 41 years, I could retire with over $45 million All I have to do is get the same return as I did this year, every year That is why I have a Roth IRA. The single greatest tool for retirement

@Mindsetfx Except the loan has to be paid back

Dad buys stock at $250K. It grows to $12M. If he sells, he owes tax on an $11.75M gain. Instead, he puts it in a trust. Borrows against it. Borrowing is not income. So no tax. He lives on loans. Never sells. He dies holding the asset. Kids inherit at a $12M basis. IRS gets $0.

you’re offered 15M to do a line of coke, wyd???

So this just happened 😂 @CNBC @KristinaParts @contessabrewer @CNBCTheExchange

Honestly didn’t even realize the market was open today. Still in Christmas mode.

@cryptofergani $0.

How much is your debt? I’ll pay Real answers only.

@vrexec I bought a $300,000 house in 2018 and sold it for $600,000 in 2022. Best financial decision of my life.

Never buy a home unless you think you’ll never leave it. For example, buying a so-called “starter home” in your 20s is the worst financial decision you can make as it relates to shelter. Keep renting and keep most of your liquid capital in the S&P500 or QQQ until you’ve found the forever house.

@Leo_Traydes Don’t think of it as monthly expenses, think of it as surge expenses. Like if you break your leg and get a huge medical bill, or you car breaks down and you need to buy a new one

Everyone always suggests 3, 6, or 12 months emergency fund I have such minimal expenses. Should I plan for more? My expenses are about $700-$800 a month depending on the month I’m fortunate enough to live at home. I bought my car in cash and have a great insurance rate. My phone bill I’m also lucky enough to be on a family plan making my monthly payment $11 The only other expenses I have are food, gas, and student loans I feel like only holding $2,500 in cash isn’t enough My goal is to almost double that number but relative to my portfolio size that seems counterproductive

@BellaBaddie__ I lost 7 lbs in 2 days once from food poisoning

@NefflynBe Mostly myself out of trial and error, playing in the kitchen, making meals out of whatever’s in the fridge, looking at recipe blogs, and watching cooking videos on socials