DelyanneTheMoneyCoach ®
@DelyanneMoney
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I teach investors how to Slay The Stock Market® // FORBES contributor // CNN Pod Host: Diversifying// Award-Winning Education, Not Advice l FREE GUIDE!
Lisbon, Portugal
Joined January 2020
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Pinned Tweet
I’m officially a MILLIONAIRE!!!!
Net Worth: $1,011,925
I’m 67% of the way to my Financial Independence goal.
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I watched an ex blow through a $300,000 inheritance because he had no idea what to do with it. He spent $100k investing in a marijuana business that went nowhere. Another $100k lost on a single stock that he went all in on.
Money without purpose or direction will be wasted.
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Most people who are anti-WFH are using the office to escape their home life. They have made work their entire personality or it’s their main source of social interaction.
I had a coworker who commuted 4hrs a day to the office even on his WFH day. He had 4 kids at home.
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Yale is offering free access to one of its online personal development classes: The Science of Well-Being. It has a 4.9 score and over 35K ratings.
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I wish more people could experience a slow, soft life. Wake up naturally, no alarms. Quiet self-care filled mornings without meetings. Long carefree dog walks. Midweek pickleball games with friends. Reading by the pool in the afternoon. Asleep by 9pm.
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Everyone should be using a VPN.
I use ExpressVPN and I set it to another country.
You’ll get lower prices for flights, hotels, & car rentals.
This also allows you to get access to different content on Netflix.
It’ll also protect your IP address for privacy reasons.
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There’s this teacher blowing up on social media who quit teaching to go work for Costco and is now happier than ever. She gets paid more, works less, and has great benefits. We need reform! Teachers deserve better!
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I’m 41, child free, financially independent, and living alone in Portugal.
I’ll be spending Thanksgiving on my own doing exactly what I want to do. My life has never been more peaceful.
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I used to think that having a washer/dryer inside your home meant you were rich. What did you think “rich” meant growing up?
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2 years ago I decided that I would retire in Portugal. A year ago I decided to move there ASAP. 6 months ago I took my mom & she wants to move to Portugal too. Today I turned in my visa application. In 3 months I’ll be getting ready for my big move abroad!
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A year ago I sold everything I owned and moved to Portugal.
The biggest difference has been how safe & calm I feel living here.
My insomnia is gone.
300 days of sunshine a year has done wonders for my mood.
Turns out I wasn’t depressed. I just needed to leave the US.
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After telling my date the horrible story about how I had to spend $10k to save my dog’s life he responded: “That’s why women need men. You all let your empathy control you. A man would’ve shut that down.” YIKE. The red flag is officially on fire.
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I made a post about my PERSONAL CHOICE to not have kids. It wasn’t advice. It didn’t include any judgment on parents. It was simply me sharing my story. I received several offensive comments & DMs and over 500 people unfollowed me. This is why women stay silent.
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Why are teeth and eyeballs not covered by health insurance?!
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The best financial decision I’ve ever made has been not having children.
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I told my date that if I ever lived with a man again we’d have to hire a housekeeper because I don’t enjoy cleaning & I’d rather outsource it. I pay for one now & I’m not going back. He couldn’t wrap his head around it. The thought of a woman not cleaning literally blew his mind.
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I’m a very resilient woman. But I don’t want to lean on my resiliency to be around you.
I want to surround myself with people who bring out my gentle side. Resiliency is for the things I can’t control, but I can choose who I allow into my life on an intimate level.
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I don’t think women talk enough about how a relationship can completely derail their finances.
One bad relationship can set you back for years.
It’s so important to be extremely careful with who you allow into your life.
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The top five most reliable cars & average monthly payments for a 2023 model (60 month term):
1) Toyota Camry: $535
2) Honda Accord: $553
3) Toyota Prius: $583
4) Toyota Corolla: $444
5) Honda Civic: $500
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Today I canceled my $700 a month health insurance policy with BlueCross! I’ve spent almost $17K on insurance for the last 2 years since I left my full-time job.
In Portugal I can get free healthcare or private insurance for less than $100 a month.
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My sister and I are celebrating our birthdays together by taking a luxury-filled trip to Colombia. She’s turning 36 & I’m turning 40. We are also business owners making 6 & 7 figures each. We are the epitome of breaking generational cycles of poverty in our family.
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I’m reframing the term emergency fund. It’s incredibly triggering and fear is rarely a good motivator. Instead I’ll be calling it a Solution Fund because that’s how I see money. It’s a problem solver. A stress reducer. A convenience provider.
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MY VISA TO PORTUGAL HAS BEEN APPROVED!
When I started investing, the only goal was to quit law & retire. I never imagined that my boring index funds would also qualify me for a visa and a whole new life abroad. It sounds corny AF, but investing literally changed my life.
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Things I never expected to become luxury items:
- Buying a home
- Retirement
- Having kids
- Daycare
- Medical care
- Bodily autonomy
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A brand I like reached out to me today asking for my rate. I responded with a one line email. They immediately accepted. $20K for 1 reel & 3 stories.
This is why I only do 2-4 sponsored posts a year. I’m extremely picky with who I collaborate with & I don’t budge on my price.
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I don’t want to find a job that I like. I want to stop working. Why is this so hard to understand?
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I just managed an international move abroad with a dog and three suitcases and everything went EXACTLY as planned. Relaxing in my new apartment now staring at the Tagus river. 😍
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I’ve reached my Financial Independence goal!!!
Current Net Worth: $1.5 Million
Next goal: FAMILY FIRE- $ 2 Million
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@ZuneitZuu
@kittyDuncannon
So you’re assuming he’d listen to my advice? Well he didn’t. I told him to stop investing in Valeant & to sue the partners in the marijuana business. But keep judging when you don’t have all the facts.
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Im debt free & just paid the equivalent of a mortgage in taxes, so I can say this with my chest: CANCEL STUDENT LOANS!!!!
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My “boring” index funds just paid me over $2,000 in dividends this month. This is money that I can choose to spend without having to sell any of my shares. But for now I have it all set to reinvest to buy me even more index funds.
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I got paid $10k to make three
30-second reels. Social media is wild.
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My mom worked as a housekeeper for 20 yrs to raise us. This week I’m taking her to Portugal on a 2-week all expenses paid vacation. We’ll be staying in 5-star hotels & she’ll be flying first class for the first time. I can’t think of a better way to spend my money.
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Keeping your lifestyle relatively the same for 2-3 years even as your income increases is a huge life hack.
Even when I started making multiple six figures I kept living in my $1,900 studio apartment. Even after I hit a million, I still only upgraded to a $2,800 2-bedroom…
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How much you have invested and how much you can safely withdraw & not run out of money:
$150K = $500/month
$300K = $1K/month
$375K = $1,275/month
$450K = $1,500/month
$600K = $2K/month
$750K = $2,500/month
$900K = $3K/month
$1.2M = $4K/month
$1.5M = $5K/month
$2M = $6650/month
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Why is it ok for someone with a $500k mortgage to invest but someone with $30,000 in student loans has to become debt-free before they can do so?
This BS being promoted by some PF gurus has got to stop.
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I’m sorry if you just started investing & the market’s down. There’s no free lunch in investing.
I invested $50,000 4 months before the 3/2020 crash. It sucked to see $15,000 disappear but the market recovered & so did my account. Remember that you’re in this for the LONG TERM.
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Things I did that did not make me a millionaire:
❌ Buying a used car
❌ Home-cooked meals
❌ Shopping less
❌ Travel hacking
❌ Paying off all debt
What did make me a millionaire?
✅ My income.
Stop trying to convince people that frugality is how you build wealth.
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Turns out I wasn’t a depressed anti-social introvert.
I just needed to leave the US.
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Employees are happier & more productive with a 4-day work week. The ideal schedule:
Mon
Tue
Wed OFF
Th
Fr
Sat OFF
Sun OFF
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To all the boomers saying “I paid for mine, you should pay yours.” We are not the same.
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Why is it ok for someone with a $500K mortgage to invest, but someone with $30K in student loans has to become debt-free before they can start?
The personal finance community has got to stop promoting this BS.
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I think if you really knew how your parents were doing financially you would be shocked at how they’ve been able to keep it together for so long. It might be worth having this conversation sooner than you think.
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BREAKING: Bank of America accused of opening fake accounts & charging junk fees.
I don’t know which is worse, BOA or Wells Fargo. Stay away from these banks!!!
Here are some alternatives that also pay way more in interest:
✔️ Ally 4%
✔️ Marcus 4.15%
✔️ Bask Bank 4.85%
✔️ CIT…
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What personal finance concept blew your mind when you first learned about it?
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SCAM ALERT!!
There are people on LinkedIn posing as real companies hiring for remote positions. They’ll offer you a job, send you a check for supplies, tell you to Zelle the $$ to the “supplier” which is the scammer. The check is fraudulent so you’re out thousands of dollars.…
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You want to live longer? Stay single if you’re a woman.
The happiest & healthiest cohort of people are single, child-free women.
We literally shorten our lifespan & decrease our happiness when we get married while men lengthen their lifespan & increase their happiness. This is…
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My dog was only 8 months old when he was hit by a car. A neighbor was walking him and dropped his leash. This was one of the most traumatic experiences of my life. I went through hell rehabbing him but he’s 100% recovered and happy now! He just turned 5! 🥰
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Generational wealth isn’t just about getting money. Generational wealth also includes:
- Knowledge.
- High self-esteem.
- Healthy relationships.
- Emotional intelligence.
- Quality time with friends/family.
- A good relationship with money.
- Having financially…
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When I chose Portugal as my retirement destination it was mostly because of the cost. But now that I can afford to live anywhere in America I’m still choosing Portugal for its safety.
Portugal ranks as the 6th safest nation on the planet (Global Peace Index). The U.S. is 129th.
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Do not let people gaslight you into believing you need to cut your expenses & live a frugal miserable life to get ahead.
Focus your energy on increasing your income instead.
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I hear people say “I shouldn’t have to invest for 30 years to retire” or “I shouldn’t have to side hustle to earn more money” but I never hear anyone criticize the gov’t for incentivizing marriage to build wealth. I shouldn’t have to get married to afford buying a house!
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The IRS just gave HSA contributions a 7% bump for 2024!
Individual -> $4,150
Family -> $8,300
It’s the ONLY investment account that is truly 100% tax free. The money going in is PRE-tax & it’s TAX FREE coming out for eligible expenses.
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A Roth IRA is NOT an investment. It’s an account that allows your investments to grow tax free. Don’t forget to actually buy your investments after you deposit money into the account.
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“I ONLY have $100 a month to spare. Is it even worth investing it?”
Me: In 25 years you’ll have $118,000. That means you invested $30k & the market grew it by $88,000. Sounds like it’s worth it to me.
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One of my followers said this & it hit me HARD:
Being a first generation wealth builder can feel like building for 3 generations simultaneously.
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My Portuguese residency has been approved!!
It’s been 4 months since I left the US and I hope to never move back.
In 5 years I can apply for my EU citizenship.
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If I could actually be honest during a job interview:
Interviewer: What’s your greatest strength?
Me: I could finish all my work in half the time that you require me to be here.
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He’s a very happy and healthy boy unlike some of these men out there. 🤪
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Why haven’t you opened a high yield savings account yet? There’s no catch & it takes 15 minutes.
Here are a few:
Primis Bank: 5.03%
MySavingsDirect: 4.35%
Bask Bank: 4.25%
Cit Bank: 4.05%
Synchrony: 3.75%
Ally: 3.4%
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In Spain, kids get a 3-hour lunch break during the school day & they go home to eat. In America kids are lucky to get 30 minutes to scarf something down. School schedules are structured to indoctrinate you into a 9-5 job that has you eating at your desk everyday.
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Banks can’t even manage the money we deposit without federal intervention but students should know how to manage student loan debt without any help? Got it.
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America’s a country where you can make a lot of money but you need to move abroad to actually enjoy it.
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SVB bank, the 16th largest bank in the US, has collapsed. This is the largest bank failure in 15 years. The last one of this size was Washington Mutual in 2008.
Here’s what happened & what you should do to protect your bank assets.
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I’m shook at how many people misunderstand the term paycheck to paycheck. If you’re putting money away for saving & investing, you are not living paycheck to paycheck.
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I asked my mom why she never checked up on me growing up & she said “I never had to worry about you. You always did well in school & you took care of your sisters.”
Tell that to my fear of failure, people pleasing tendencies, mother wound, & elder daughter empathy fatigue.
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Feeling a little overwhelmed at the moment but hopeful this move will be the beginning of an incredible chapter in my life. It’s a massive privilege to make a move like this especially with a financial safety net. I’m beyond humbled and grateful.
#PortuGOcountdown
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How to semi-retire early:
Once you reach $400K in investments, stop investing & scale back to working part-time just to cover your living expenses.
The $400K will continue to compound for the next 15 years and grow to $1.6 million.
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Taxes will be the biggest expense of our entire life yet schools don’t teach us how tax brackets work.
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Just like a partner can’t fulfill all your needs, neither can a job. Do not become codependent on your career for validation and purpose. You are valuable even when you are not working.
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We should all take a page out of Rihanna’s book tonight. She delivered on what was asked of her, nothing more, nothing less. And she ATE IT UP!
No imposter syndrome, no over delivery, and no unnecessary theatrics. The music said it all and it said it loudly! Let your work speak…
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Net worth update: $1,113,849
$977k invested, 72% in index funds.
$136k in cash (money for real estate in Portugal).
Full breakdown on my IG
@delyannethemoneycoach
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I became a millionaire at 38 years old.
Some people think that is a mediocre achievement for someone my age.
Thankfully I don’t care what people think. I know what I’ve been through & this milestone is nothing short of miraculous.
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If you want private health insurance in Portugal, you have to buy it through the bank. I just got the quote sheet and prices range from 14€ to 116€ a month. She recommended the 80€ a month policy which includes dental. Way better than the $700 a month I was paying in Cali!
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I’m single & turning 40 this year. Like most people I thought I’d be married by now & sharing living expenses with someone but that hasn’t happened. Being single is not a temporary state. It’s the default. Life will keep moving despite your relationship status so plan for it.
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Delyanne The Money Coach LLC, which I launched in 2020, has now crossed the $2 million mark in revenue. Less than 2% of female owned businesses reaches 7 figures.
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This is what I mean when I say having financially independent parents is a form of generational wealth. If you can’t pass on wealth to your kids that’s ok! Pass on knowledge & do your best to not become a financial burden on them.
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I understand that $6,100 a month is high for most people, but my income is not most people’s. What I’ll spend in a year men literally spend on a car & they’ll be congratulated for it with no questions asked.
I don’t mind being transparent, but I hate the double standard.
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This is how generational wealth is built:
Open an investment account the day your baby is born. Invest $150 a month into index funds for 20 years to reach $100K.
A 20-year old with $100K invested in index funds will have $4.5M by the time they’re 60.
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A $334 billion company asked me to speak at an event & promote it on social media. When I sent them my rate they said they didn’t have the budget for it.
Do NOT let these companies take advantage of you. Their stock price isn’t based on exposure & neither is yours.
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When a woman gets married her workload increases by 7 hrs/week while a man’s workload decreases by 1 hr/week.
A patriarchal marriage is antithetical to a woman’s journey for financial independence. It exploits her for her unpaid labor & upholds the wealth gap.
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It just hit me that in 2 weeks I’ll be starting over, at 40, in a new country.
It’s exciting!
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If an employer “can’t” or “won’t” pay you more, promote you, or treat you better, the effect is the same.
Your response should be to move on to a company that will provide those things. Don’t waste 3-5 years trying to convince them to give you what you know you deserve.
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The fact that my posts about high yield savings accounts goes viral but a post sharing the exact index funds to invest in barely gets any engagement is why I have to keep educating people about investing. No one becomes wealthy off the interest in a savings account.
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All the things you’re scared of doing, I’m doing it & I’m still going. I’m scared too, but I’m gonna do it anyway because it’s worth it.
Moved across the country.
Quit my job.
Started a business.
Rescued a dog.
Chose to be child free.
Made new friends.
Live alone.
Travel…
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Yale is offering a free online course called “Narrative Economics” on Coursera which studies the viral spread of stories that affect economic behavior. It covers topics like recessions, AI, stock market bubbles & job insecurity.
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As someone who went from having six figures of debt to making six figures a month, let me tell ya… that money does indeed buy happiness. Don’t let these rich people lie to your face.
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If you could ask a millionaire anything, what would you ask them?
It’s me. I’m the millionaire. Ask away.
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I don’t know why people keep using Wells Fargo. They are notorious for defrauding their customers. They just got hit with yet another fine for $3.7 billion for illegal activity. Don’t use this bank for any reason whatsoever!
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If I had kids or was planning to have kids, I’d be doing everything I could to move to a country with free education and free healthcare. But most Americans have a really hard time accepting the idea of becoming an immigrant.
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My boring boomer 401k is up almost 20% this year.
2017: $118,720
2018: $132,955
2019: $189,267
2020: $256,291
2021: $331,563
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No matter what I’m doing, I just can’t gaslight myself into believing that I love work. It’s a means to an end and I look forward to the day I no longer have to participate in this collective hamster wheel.
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What happened to Bitcoin being an inflation hedge & not correlated to the stock market? 🙄
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I have $403,000 invested in retirement accounts.
Solo 401K: $128K
Roth IRA: $38K
IRA: $237K
If I don’t add another dollar to these accounts, it’ll grow to $1.7 million by the time I’m 60.
28yr-old me thought this was a waste of time when I started. 41yr-old me is eternally…
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I don’t understand why real estate investors attack me when I say I prefer renting & investing in the stock market. Don’t you need renters for all those properties you own?
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Before you offer to go 50/50 on your next first date…. Add up how much everything your wearing costs including your hair products, makeup, perfume, clothes, shoes, etc.
Chances are your date prep costs more than the entire date & then some.
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@oldenoughtosay
I stock up the fridge for my DOG sitter. How can people not feed the person caring for their child??
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I knew very early on that having a child would derail my life. I had no money, no support system, and never found a partner that could meet those needs. For me personally, having a child would mean a life of struggle for both myself & my child. I chose to opt out and I have no…
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