Treasury

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80% of millionaires are first-generation rich. They didn't inherit it — they tracked it, built it, and protected it. Know your number. Track it monthly. Build it intentionally.

3 myths that cost you: "High income = high net worth" → 36% of $100K+ earners live paycheck to paycheck. "My home is my net worth" → Home equity is illiquid and fluctuates. "Net worth is for old people"→ The habits that build it start young. Compounding doesn't wait.

36% of people earning $100K+ live paycheck to paycheck. A $200K salary means nothing if you spend $200K. Your net worth is the real measure of financial health. Here's everything you need to know: 📊

The tax code rewards patience and planning. Use both. Hold for 366+ days. Harvest losses year-round. Use the 0% bracket if you qualify. Keep tax-inefficient assets in tax-advantaged accounts. Every day you hold matters. Every loss has value. Plan accordingly.

3 myths that cost people money: "Gains are tax-free" → Only under $49,450 (single). "Never sell at a loss" → Losses offset gains and carry forward. "All investments taxed the same" → Collectibles 28%, real estate 25%, QSBS 0%. Different assets, different rules.

Selling a $100,000 investment on day 365? $37,000 in tax. Selling on day 366? $20,000. One extra day. $17,000 saved. Here's how capital gains taxes actually work: 📊

The biggest barrier to investing isn't money or knowledge. It's overthinking it. Start simple. One index ETF. Add money regularly. Let time do the rest.

3 myths that keep people from investing: "ETFs are for beginners" → Institutions manage trillions in ETFs. "They're risk-free" → S&P 500 dropped 34% in 2020, 57% in 2008-09. Diversified ≠ safe. "You need a lot of money" → $1 with fractional shares at Fidelity and Robinhood.

One share of VOO gives you ownership in 500+ companies. Apple, Microsoft, Amazon, Google, Tesla, and hundreds more. Annual fee: 0.03%. That's $3/year on $10,000. Here's everything you need to know about ETFs: 📊