Middle Class Dad

💸 What it actually cost a normal family of 4 to live in Austin, TX in 2025. 💰 Income: $116,587 🛍️ Expenses: $63,214 ✅ Savings: $53,373 🔥 Savings rate: 45.8% Details + year-over-year comparison. Full transparency. 👇

@dividendology 20x for a company with Meta’s margins and cash flow doesn’t scream expensive. The only thing that matters now is growth.

$META IS NOW UNDER $600 A SHARE. Their forward P/E is now at 19.98. How low do you think the valuation can go?

When you worry about the future — you buy gold. When you fear the present — you sell. That’s what historic times look like: a lot happens, and it happens fast. #gold

What I’d give to know what I know today… back when I was 20. You can’t turn back time — but you can pass it forward. If you could give advice to your 20-year-old self, what would it be?

👉 What does it actually cost to live as a middle-class family with two kids in the U.S. in 2026?

@theficouple Not surprising. Inflation + lifestyle creep = $1.6M “needed”.

Are you saving enough: The average cost of retirement in the US is now $1.6 million. ....Does this surprise you!?

@lexfridman @nvidia Super interesting guy — clearly has a lot to say, but delivers it in a way that actually keeps you listening. Rare mix of deep knowledge and the ability to communicate it well.

It was an honor to hang out with Jensen Huang, CEO of @nvidia, and do a long-form podcast with him. Really fun & fascinating technical deep-dive conversation on & off the mic. One of the most brilliant & thoughtful human beings I've ever met. NVIDIA is the most valuable company in the world by market cap and is the engine powering the AI revolution. Podcast probably out tomorrow (Monday) unless I get stuck in too many interesting conversations while running around in SF ;-) PS: I haven't checked my messages in days. Sorry for slow replies 🙏 Trying to stay deeply focused at in overwhelmingly intense time & barely hanging on. Love you all ❤️

@GlennDivInvest $MSFT Looks boring for a mega cap… but it’s quietly becoming the backbone of AI infrastructure.

The best dividend stocks often feel boring because the business keeps working without drama What’s your favorite boring stock in your portfolio?

@DudeWhoInvests because it is NOT safe haven

Explain to me like I am a toddler why crypto is crashing??

@elonmusk If that’s even half true, we’re entering a world where decisions scale faster than understanding.

“Anthropic”

📌 WHERE WE STAND: February confirmed the baseline. No bonuses, no windfalls — 28% savings rate. The 2026 structure as it stands: → Income: ~$11,600/mo → Daycare: $2,325/mo → Mortgage: $2,289/mo → Everything else: ~$3,755/mo → Savings: ~$3,230/mo We set a 35% target for the year. February is below that. The math catches up when the older one hits kindergarten in September — that's $985/month gone, which pushes the rate to ~36% without changing anything else. Until then: stay consistent, don't do anything dumb, let the compounding do its thing.

🎁 Gifts: $165 (Valentine's — flowers, something small for my wife, a card) 🧥 Clothing: $212 (spring stuff for the kids, a couple things for my wife) 📬 Subscriptions: $59 (Spotify family, iCloud, one streaming service — we rotate the others quarterly) 💄 Personal care: $58 (haircut, toiletries) 🏨 Other: $353 (parking $72, school fundraiser donation $50, Amazon misc $98, cash withdrawals $133) The "other" category is just life. Nothing exciting, nothing worth a story. The long tail of a family budget — individually none of it matters, together it's $847.

What it cost a family of 4 to live in Austin, TX in February 2026. 💰 Income: $11,624 🛍️ Expenses: $8,369 ✅ Savings: $3,255 🔥 Savings rate: 28.0% First month with no bonus. Two paychecks, full daycare, no one-time anything. This is the actual baseline. Thread 👇 #personalfinance #budgeting #Austin