David | Filled With Money
@FilledWithMoney
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Goal of financial independence. My blog: . Not financial advice.
Joined December 2020
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An Austin house listed for $400k in July 2022.
It’s listed for $230k today.
It’s happening.
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No matter what others say
$100k/year is life changing money.
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Wells Fargo reported a NINETY percent decline in mortgage originations.
That is *insane*.
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11K
A $400k mortgage at 2.75% is $1.6k/mo.
A $400k mortgage at 8.25% is $3k/mo.
An 87.5% increase for the same house.
This can’t be real life.
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10K
“8.25% mortgage rates are normal! That’s what it was in the 90s”
Bro, houses sold for $125k back then.
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10K
A $400k mortgage at 2.75% is $1.6k/mo.
A $250k mortgage at 6.75% is $1.6k/mo
Price has to decline by 37.5% for the same monthly payment.
This isn’t good.
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8K
My landlord wanted to increase my rent from $1,375/mo to $1,415/mo.
I said no thanks and moved out.
He now has my room for rent for $1,200/mo after 4 months of vacancies.
All’s right with the world.
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8K
How one couple legally made $300k through a loophole:
1. They got a 5% cash back AmEx cc
2. Spent ~$6.5m on prepaid cards
3. Used prepaid cards on money orders
4. Used money orders to pay the cc
5. Got paid ~$300k in cc rewards
IRS sued them for taxes.
IRS lost.
Genius.
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$200k jobs working only 40 hours a week ARE out there.
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BREAKING:
IRS increases 401k contribution limit to $22,500 in 2023.
Wow.
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@EndWokeness
All I had to pay was just an extra quarter for the business to pay their employees $20/hr? 😳
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I took out $25k from my credit card.
3% upfront fee. 0% interest. 1-year term.
Then I put $25k into 1-year treasuries paying 5.4%.
I will take the free $600.
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I just went to Chick Fil-A today.
100% empty.
The recession is here.
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Johnson and Johnson, a $365B company, is considering bankruptcy.
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The average American drives a $50k car on a $50k salary with $50k of student loans.
A crisis.
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Working 60 hours a week to make $400k/yr is worth it.
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State Farm lost $6.3B in 2023.
They lost $6.7B in 2022.
Holy moly.
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A $100k 9-5 is better than a $50k business.
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“Mortgage rates are at 6.5%, which was normal 50 years ago!”
Bro, houses sold for ~$25k back then.
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At 7% mortgage rates
You are better off buying a house in cash.
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Unpopular opinion:
A $150k 9-5 is better than a $100k business.
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This recession will make you a millionaire.
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CostCo is selling MacBook Pros for $899.99.
This is an unbelievable deal.
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A $400k mortgage at 2.75% is $1.6k/mo.
A $400k mortgage at 6.25% is $2.4k/mo.
A 50% increase in housing costs for the same house.
Something is coming.
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“It’s just going to ask you a question”
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$100k salary is the start
$150k salary is respectable
$200k salary is where you should be
Life is less stressful at $200k.
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Costco is selling $100 Domino’s gift cards for $75.
Deals are starting.
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Short summary of Silicon Valley Bank:
SVB had more deposits than what they knew to do with in 2021, holding ~$200B.
So they invested ~$80B into MBS’s in 2022. 10-year duration. 1.5% yield.
Then the Fed raised rates.
Bonds fell in value.
They no longer exist today.
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30 year treasuries are yielding ~4%.
If I invest $400k into the 30-year and cut to my bare bones budget of $15k/yr
I can live on risk free returns for the next THIRTY years without lifting a finger.
This is insanity.
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My landlord wants to increase my rent from $800/mo to $850/mo.
So I found another place for $675/mo that’s 200 sq. ft. larger with better reviews.
Wish me luck!
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Only 9 million people made $200k+ in 2022 and 90 million of them are on Twitter.
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If I invest $400k in 2-year treasuries that yields ~4%, that’s $16k/year in risk free money.
My rent is only $9,600 per year.
That is insane.
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30-year mortgage rates crossed 7%.
That is insane.
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You can’t expect a $100k salary with a $50k work ethic.
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I don’t know who needs to hear this but a $150k 9-5 is better than a $100k business.
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A $150k 9-5 is better than an $80k 9-5 with a $20k side hustle.
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My landlord charged $1.6k/mo for rent.
They currently list the same vacant units for $1.4k/mo.
I asked to renew at that rate.
They refused.
So I’m moving 😬.
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People who say $200k/yr isn’t a lot of money
Have never made $200k/yr.
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When I see someone buy a $500k house with a $500k mortgage approval
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$100k income is the beginning
$200k income is when the fun starts
$300k income is having FU money.
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The person who benefits the most from you buying a $50k car is your boss.
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Median household income for Indian Americans is $140k/year.
That’s insane.
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“7% mortgages rates aren’t that bad, just refinance later”
Into what? 10% mortgage rates?
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10% mortgages are coming.
That is insane.
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Make $100k, spend $50k.
Make $150k, spend $50k.
Make $200k, spend $50k.
The formula to wealth.
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Drive a $10k car
Live in a $300k home
Wear $20 clothes
The millionaire lifestyle.
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$200k/yr income will change your life.
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A $10k S&P 500 investment in 1942 would’ve turned into ~$76M today.
Not bad.
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The amount of people who say $200k/yr salary isn’t a lot of money is wild.
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$100k portfolio is a lot of money.
$100k salary is a lot of money.
$100k cash is a lot of money.
$100k anything is a lot of money.
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BREAKING
Lamborghini’s are sold out until 2024.
The most bullish recession ever.
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Getting a $200k job is easier than starting a $200k business.
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Buying a $300k house after qualifying for $500k mortgage.
This is the way.
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$0 to $100k is harder than $100k to $250k.
Compound interest is your friend.
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The only 3 indexes you need to be a millionaire:
- $VOO
- $SPY
- $QQQ
Simple.
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My savings account now yields a risk free 3.85%.
This is insane.
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Only 1.5 million people made $400k+ in 2023 but 150 million of them are on Twitter.
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When I see someone say $100k/yr is not a lot of money
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Real estate agents telling buyers “not to be afraid” to buy over priced houses at 20 year high mortgage rates are the worst.
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Unpopular opinion:
We are going to see the greatest financial crisis the world has ever seen.
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The biggest lie sold to society is we need a $500k house with a $50k car to be happy.
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FHA mortgage delinquencies increased to 10.61% in 4Q ‘22.
Is it starting?
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Being miserable making $100,000/yr is better than being miserable making $50,000/yr.
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The goal is to make $200k/yr without working.
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Buying a $300k house after a $500k mortgage approval is a wealth hack.
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840
A $70k income afforded the median home 2 years ago at 2.75% mortgage
A $120k income affords the median home today at a 6.5% mortgage
Something has to give.
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Unpopular opinion:
$1,000,000 is enough money to retire early at 30.
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816
Make $5k/mo, spend $2k/mo
Make $10k/mo, spend $2k/mo
Make $20k/mo, spend $2k/mo
Millionaire in no time.
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Invest your money and act broke.
In 10 years, the world is yours.
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$1,000/month in passive income changes your life forever.
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With today’s paycheck:
- I am officially debt free
- My net worth hit all time highs!!!
2023 will be phenomenal.
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A $100k asset is worth more than $100k cash.
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The next bull run will mint many millionaires.
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A 15% decline in housing prices is meaningless with a 150% increase in mortgage rates.
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I just talked to a person in family medicine/OBGYN residency.
She got a job offer for $385k.
28 years old.
Maybe I’m in the wrong career.
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Normalize buying a $300k house after a $500k mortgage approval.
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Robinhood now pays 4.4% interest on uninvested cash.
That’s a lot.
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People say they’d rather make $50k working for themselves rather than $200k working a 9-5
Until they get offered a $200k 9-5.
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One $200k 9-5 is better than $100k from multiple income sources.
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Median home prices declined from $480k in 4Q 2022 to $437k in 1Q 2023 to $416k in 2Q 2023.
A *13%* decline in 6 months.
It’s happening.
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Real estate investors even with 3% mortgages rates will be forced to sell at a loss
If they can’t find a renter.
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The greatest buying opportunity of our lifetime is coming.
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With my $150k cash, I could put 20% down on a $750k house.
However, I refuse to because I don’t want or need a $750k house.
Lifestyle creep is not the answer.
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2021: “my house is worth $300k but I got a $500k offer”
2022: “my house is worth $500k but I got a $300k offer”.
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BREAKING
IRS increases HSA contribution limit to $4,150 for 2024.
This is big.
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Income distribution in 2022:
Top 1%: $450k
Top 5%: $200k
Top 10%: $150k
Top 25%: $95k
Top 50%: $55k
Top 75%: $35k
Top 99%: $1k
Now’s the time to make more money.
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$100k salary + paid off car + no debt = $100k net worth in no time
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The number of people who say $5mil isn’t enough to retire on is wild.
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