CJ

Cashmere knits for the nighttime boat rides

When the student is ready, the teacher will appear

@Nathan8hpp @money_cruncher Are you assuming every investor should be invested in 100% equity ETFs?

@money_cruncher You really have to ask yourself if your investment fund manager can beat the market consistently. A lot try, but fall short over long periods and charge you a hefty price in the process

1% investment fee per year will lower your portfolio by ~25.8% over 30 years. 0.10% investment fee per year will lower it by only ~3% over 30 years. That 22.8 percentage point difference could cost you $$$. Fees also compound. Pay attention.

@markcecchini A lot of my clients have 100% VA disability and a pension from military, and a pension from government. 150k annual without adding social security, and nearly 50k in income tax free

...Husband (69) social security: $45K/year ...Wife (68) social security: $35K/year ...Husband (69) private pension: $40K/year = $120k/year of "mailbox money" before having to touch their portfolio. All 3 income adjusted by inflation every year. No mortgage payments. Damn.

@0xleegenz That’s not how income tax works. It’s progressive, not dollar for dollar

If you make $100k/yr from your job 24% federal tax 5% state tax =29% total tax 29% of the year = 106 days You’re literally working hard 106 days for free before you make any money for yourself and family Let that sink in

Reach for the stars don’t need my tippy toes

@DougBisio @markcecchini @scaling_shields An advisor’s value isn’t in their ability to outperform an index. It’s a laundry list of other things that the DIY fools are too dense to comprehend.

@markcecchini @scaling_shields It is buddy. Not you certainly, but dont tell me most advisors give one sh#t about their clients. Every CFA who I worked with couldnt out perform the S+P for 1 year yet alone any. They were ivy leage idoits we could raise capital. Thats more valuable than picking stocks

my mates financial advisor manages $40m yet forbids his own kids from hiring one he told me this after 4 drinks at dinner last week "never. i would never let my kids pay an advisor" this is a man who feeds his family on advisory fees his public advice to 120 clients: - buy index funds - diversify - be patient - trust the process - pay me 1% annually to manage it his actual portfolio: - 60% in one tech stock - leveraged rental properties - undisclosed stake in his mate's bar - zero index funds the man selling diversification bets everything on concentration 4 drinks in he stopped performing "my advice is designed to not get me sued. not to build wealth." direct quote "compliance tells me what i can recommend. not what works. so i sell what's safe. safe for my career." asked what he'd actually tell clients "stop paying me" "buy one rental property. manage it yourself. you'd make more in 10 years than i'll ever make you." "but if i told them that i'd be out of a job" the fee he hopes you never calculate: 1% on $500k 30 years at 8% growth year 1: $5,000 year 10: $62,000 cumulative year 20: $159,000 cumulative year 30: $236,000 cumulative a quarter million dollars for someone to put you in these 3 funds: - VTI (total us market) - VXUS (international) - BND (bonds) that's it you can google those in 10 minutes that's the $236,000 secret "the industry isn't built to make you rich. it's built to make your money manageable. for us. we get paid whether you win or lose." asked about his biggest regret "teaching rules i stopped following at 35. telling pensioners to be patient while i take concentrated bets on my lunch break." what he sells: diversification. patience. index funds. what he owns: concentrated bets. leveraged property. private deals. what he tells clients: "stay the course" what he tells his kids: "never hire someone like me" asked why he doesn't just quit "and do what? i've spent 15 years building a practice around advice i don't believe in. the golden handcuffs are real." "every month 120 people pay me 1% to do something they could do themselves" "i'm not going to be the one to tell them" so i am dinner cost $80 stop asking what your advisor recommends start asking what they own and whether they'd let their kids pay for it

Scary Hours when you realize that I’m no where close to my prime yet 🤷

@elonmusk @grok is this true

Terrible

@DannyNoonanGolf @elonmusk @anthony007 @grok is this real

@elonmusk @anthony007 Meanwhile the Left 😳

Congratulations, President Trump! This is a win for the world and a clear message to evil dictators everywhere.

@unusual_whales Stop taking advice online and go see a professional

What is your best financial advice for someone looking to start 2026 right?

@BarackObama Last time I checked we still live in America. Which means they have equal opportunity to work and improve their situation.

More than 47 million Americans — including one in five children — don’t have reliable, affordable access to nutritious food. And as the cost of living skyrockets, more families are depending on SNAP benefits, or food stamps, to put food on the table.

@kirawontmiss Drake Lil Wayne Kanye Eminem Future Kendrick Travis

i genuinely can’t name 5 Jay Z songs

@BarbellFi I guarantee you my investment accounts grew in value more in the last month than your home value did. You must have missed the lesson on Opportunity cost huh?

To all those saying I’m an idiot for paying off my house & being truly debt free Maybe you were just having a bad day But better days are right ahead for you Your rent & mortgage payments are coming due in 4 days 😂

@MrNQDC @markcecchini Just because ur not worth 1% doesn’t mean the rest of us don’t provide multiple times the value we charge. Also, permanent insurance doesn’t make u a bad guy. Using it as an investment instead of mitigation of risk does. Clients should avoid advisors who make blanket statements

@markcecchini C’mon Mark, all in good spirit 😊 Sharing perspectives on different fee models isn’t a knock on you And yes, I’ll keep beating the drum for advice-only approaches — hourly, project, and retainer models each have their role

This is a fun one. Onboarded a great couple last year, let's call them Mike & Michelle. After a flurry of referrals, I'm now entrusted with serving: ...Mike & Michelle ...Mike's Mom ...Michelle's Brother ...Michelle's Brother's Girlfriend ...Michelle's Brother's Girlfriend's Brother The referral chain runs deep!

@zachmelloh26 Why don’t I ever read about you guys recommending a buffered RILA

Wade Pfau. Michael Kitces. Morningstar. Different experts, same conclusion: The years just before and after retirement are the most critical for your portfolio. Here’s what they found:

@DashySZN Is this Frisco? I recognize the mugs haha

Sometimes, you just need a guarantee

@OpTic 1-2-4-5-6-3

From best to worst, rank the Call of Duty: Black Ops games 📝

@TRiversFantasy @atamanoyare @300mirrors Hunter is trans, tf are you talking about

Or....cast an actual woman.

Father forgive them, for they know not what they do