Andrew Lokenauth | TheFinanceNewsletter.com
@FluentInFinance
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This is what $108 from Aldi gets you:
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Age at first $1 Billion:
• 23 Mark Zuckerberg
• 31 Bill Gates
• 33 Tiger Woods
• 34 Rihanna
• 35 Jeff Bezos
• 40 Mark Cuban
• 41 Elon Musk
• 49 Oprah
• 50 Jay-Z
• 51 Michael Jordan
• 56 Warren Buffett
1 important lesson from each:
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Age at first $1 Million:
• 20 Beyoncé
• 23 Steve Jobs
• 26 Bill Gates
• 26 Michael Jordan
• 26 Jay-Z
• 27 Elon Musk
• 29 Naval
• 30 Warren Buffett
• 32 Oprah
• 34 Gary V
• 33 Jeff Bezos
1 important lesson from each:
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Never let a job steal your life, use your salary to invest in passive income so that passive income replaces your salary.
Here are 7 popular ways to create passive income:
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$30,000 is the cost of the average wedding,
4 hours is the length of the average wedding.
Taking out a $30,000 loan to pay for a 4-hour wedding is crazy to me.
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Age at first $1 Billion:
• 23 Mark Zuckerberg
• 31 Elon Musk
• 31 Bill Gates
• 32 Rihanna
• 35 Jeff Bezos
• 35 Steve Jobs
• 39 Beyoncé
• 40 Oprah
• 42 Jay-Z
• 51 Michael Jordan
• 56 Warren Buffett
1 important lesson from each:
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Never allow a job to steal your life.
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Never let a job steal your life
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I've used Microsoft Excel for 20 years, and these 20 tips & functions will make you an expert and increase your productivity 100X📊
Don't ever use Excel again without knowing these 20 tips & functions:
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US States with no State Income Tax:
• Texas
• Alaska
• Florida
• Nevada
• Wyoming
• Tennessee
• Washington
• South Dakota
• New Hampshire
Would you live in any of these States?
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You see the BMW but not the $70,000 car loan.
You see the trip to Bali but not the $10,000 credit debt.
You see the designer clothes but not the $0 Roth IRA.
Social media is an illusion. Don't be fooled by what you see.
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Every job interview ends with Q&A
But most people never ask questions at the end of job interviews
Here are 10 questions I used to get hired at JP Morgan, Goldman Sachs and Citi:
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Age at first $1,000,000:
• 18 Beyoncé
• 26 Jay-Z
• 23 Steve Jobs
• 27 Elon Musk
• 29 Naval
• 30 Michael Jordan
• 31 Bill Gates
• 32 Warren Buffett
• 32 Oprah
• 34 Gary V
• 35 Jeff Bezos
1 lesson from each (to develop a millionaire mindset):
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I've been hired by JP Morgan, Goldman Sachs, Citi and received many other job offers, because I was prepared for the job interview, not because I was the "smartest"
Here are 10 commonly asked interview questions, and how to prepare for each, so you stand out and get an offer:
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The root of procrastination isn't laziness, it's anxiety.
If you struggle with procrastination, read this:
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The cost of procrastination is the life you could’ve lived.
If you suffer from procrastination, read this:
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Don’t let a job steal your life
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I've worked 15+ years in Finance and am an expert in Microsoft Excel, here are 12 Excel tips & functions that will increase your productivity and make you feel like an expert:
Don't use Excel again without knowing these 12 tips & functions:
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People who locked in a 3% mortgage in 2021:
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1997: Apple loses $1 Billion
2023: Apple makes $1 Billion every 3 days
Today: $AAPL launches a new savings account paying 4.15% (10x the national average) with NO fees or minimums
The era of Banks paying 0.01% is over
Here is why Apple will become one of the biggest "Banks":
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Car prices are about to drop, an oversupply of vehicles will lead to manufacturers slashing prices. There are too many cars and not enough buyers.
UBS reports that the production of cars is outpacing sales by 6%, this leaves about 5 million cars just sitting around, unsold. To…
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If you don't take advantage of AI tools you're going to be left behind.
Here are 20 must-know AI tools, to work smarter, not harder in 2023 (and finish hours of work in seconds):
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Use your salary to invest in passive income so that passive income replaces your salary.
Here are 7 ways to create passive income systems:
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I've been hired by JP Morgan, Goldman Sachs and Citi, and received job offers from many others. Here are 10 common interview questions and tips for answering each so you stand out & get a job offer:
1) What sets you apart from other candidates?
🧵1-10 with tips for each:
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Use your salary to invest in passive income, so that passive income replaces your salary.
💰Let's breakdown 4 ways to create passive income & change your life:
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Microsoft Excel Shortcuts A to Z, to maximize your productivity (bookmark these for later):
CTRL + A ➡️ Select All
CTRL + B ➡️ Toggle BOLD (font)
CTRL + C ➡️ Copy
CTRL + D ➡️ Fill Down
CTRL + E ➡️ Flash Fill
CTRL + F ➡️ Find
CTRL + G ➡️ Go To
CTRL + H ➡️ Find and Replace…
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Mortgages are now 7.5%
People who locked in 3% mortgages in 2021:
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16K
Taxes will be the biggest expense in your lifetime, so strategic tax planning is a must.
Tax code is 75,000+ pages, the wealthy use every page of it to legally avoid taxation and you should too.
Here are 7 tax tips to save you thousands:
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I'm an expert in Microsoft Excel and used it for 15 years working in finance. Here are 10 tips & functions to increase your productivity 100X and make you feel like an expert:
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Every job interview ends with a Q&A.
But 99% of job applicants don’t ask good questions.
Here are 10 questions to get more job offers:
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11 Microsoft Excel functions to make you an expert:
(1) XLOOKUP
(2) Pivot Tables
(3) Goal Seek
(4) Sparklines
(5) IF
(6) SUMIFS
(7) COUNTIFS
(8) Index Match
(9) VLOOKUP
(10) Transpose
(11) Wildcards
🧵Examples of each formula:
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How does the 16th largest bank in America collapse in 48 hours? Can this happen to your bank too?
I've worked in Banking for 10 years so let me explain WHY the Silicon Valley Bank failure happened, and how it impacts YOU:
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Many don't realize the importance of Silicon Valley Bank to the economy & the ripple effects coming
SVB's failure is the beginning of a domino effect throughout tech & start-ups
I've worked in banking for 10+ years so let me explain why you should care & what it means for you:
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Never ever let a job steal your life.
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I've been hired by Goldman Sachs, JP Morgan Asset Management and Citi to name a few. Here are 10 commonly asked interview questions and how to prepare for each so you stand out & get an offer:
1) What sets you apart from other candidates?
🧵1-15 with advice on each:
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BREAKING: China & Brazil have agreed to trade in their own currencies, ditching the US dollar.
If more countries start to trade in their own currencies, it could reduce the demand for the dollar. This could lead to a weaker dollar.
Here’s everything you need to know:
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The most important investment you can make is an investment in yourself. The more you learn, the more you can earn
― Warren Buffett
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A Roth IRA's can make you a tax-free millionaire in retirement, it's the ultimate tax loophole but less than 10% of people actually have one.
Here is everything you need to know about Roth IRAs:
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I've used Microsoft Excel for 15 years working in Finance and these 10 tips will make you an expert (and increase your productivity 100X)
📊Don't ever use Excel again without knowing these 10 functions:
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If you win this week's $650 Million lottery jackpot (the 10th largest in history), here are 6 things to do ASAP:
1) NEVER sign the ticket (because you want to set up a trust & stay anonymous)
2) NEVER tell anyone so you don't become a victim of robbery, extortion or death
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Use your salary to invest in passive income so that passive income replaces your salary.
Here are 7 popular ways to create passive income:
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AI-generated images of "The Office" in "Grand Theft Auto":
1) Michael Scott:
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Use your salary to invest in passive income so that passive income replaces your salary.
Here are 7 passive income streams to build wealth:
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A $400,000 mortgage is $3,000 per month today.
A $400,000 mortgage was $1,500 per month in 2021.
$1,500 more a month for the same house. Wild.
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Roth IRAs can make you a tax-free millionaire in retirement, but only 10% of people actually invest in one!
Roth IRAs are the ultimate tax loophole so here is everything you need to know about investing in one:
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Your job can now match your Student Loan Payments as 401(k) contributions, due to a new law.
This is HUGE for millions struggling with debt.
Here's everything you need to know:
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A Roth IRA can make you a millionaire and you'll pay $0 taxes (but less than 10% of people actually own a Roth IRA)
~30% of people have $0 retirement savings (and Bloomberg estimates $3 to $5 million is needed for retirement)
Here's everything you need to know about Roth IRAs:
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I've used Microsoft Excel for 20 years and these 10 functions will make you feel like an expert (so don't use Excel again without knowing them):
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YouTube is free education.
But there are over 38,000,000 channels and 99% don't know the best channels.
Here are 10 channels to make you smarter (and teach you new skills):
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Become an Excel Guru in 5 minutes with these 20 Must-Know Functions to Maximize your Productivity 100x:
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If you don't take advantage of AI tools in 2023 you may get left behind.
Here are 10 must-know AI tools to increase your productivity 100x and finish hours of work in seconds:
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Taxes are your biggest expense in life so strategic tax planning is a must, pay your legal share and not a dollar more.
Tax code is over 75,000 pages and the wealthy use every page to legally avoid taxes (and you should too)
Here are 7 tax tips that can save thousands:
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I can accept failure because everyone fails at something, but I can't accept not trying
― Michael Jordan
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When you win the $1.9 Billion lottery jackpot, here are 6 things to do ASAP:
1. Don't sign the ticket yet
2. Keep quiet & don't tell anyone
3. Make copies of the ticket then hide it somewhere safe
4. Hire these 5 professionals ASAP:
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Use your salary to invest in passive income so that passive income replaces your salary.
Here are 7 common ways to create passive income:
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The most important job interview question of all time:
"Tell me about yourself"
Here's how to prepare a great answer (and get a job offer):
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Age at FIRST $1 Billion:
• 31 Bill Gates
• 33 Tiger Woods
• 34 Rihanna
• 35 Jeff Bezos
• 41 Elon Musk
• 48 Ralph Lauren
• 49 Oprah
• 50 Jay-Z
• 51 Michael Jordan
• 56 Warren Buffett
• 58 Ray Dalio
💰Advice from each to develop a billionaire mindset:
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2023 Tax Tip:
If you own a business & have kids under 18, you can pay them $13,850 tax-free and deduct it from your taxable income
Your child will owe $0 in taxes and you legally avoided tax on $13,850
Then invest their first $6,500 in a tax-free ROTH IRA. Let's discuss this:
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Top 7 Cities people are moving from:
1. New York City, NY
2. Los Angeles, CA
3. Chicago, IL
4. Washington, D.C.
5. San Francisco, CA
6. Seattle, WA
Top 7 Cities people are moving to:
1. Phoenix, AZ
2. Dallas, TX
3. Austin, TX
4. Denver, CO
5. Charlotte, NC
6. Las Vegas, NV
7.…
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BREAKING: The National Association of Realtors is eliminating the 6% realtor commission.
Here’s everything you need to know:
With the end of the standard commission, real estate agents in the United States will now have to compete for business and likely lower their commissions…
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You're LEGALLY entitled to compensation for flights canceled or delayed — Here's what you do:
Many flights are canceled or delayed, but you are legally entitled to:
• Refunds
• Alternate transportation
• Compensation for additional expenses
• Reimbursement for…
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I've used Microsoft Excel for 20 years and these 10 tips will make you an expert & increase your productivity 100X
Don't use Excel again without learning these 10 functions:
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The rich avoid taxes with a strategy “Buy, Borrow, Die”:
1) Buy assets & hold (to avoid capital gains tax)
2) Use assets as collateral to borrow money (while assets appreciate)
3) Interest paid on loans is a tax deduction
4) Die & pass on assets tax-free
Let's discuss this:
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Age at first $1 Million:
• 18 Beyoncé
• 26 Jay-Z
• 23 Steve Jobs
• 27 Elon Musk
• 29 Naval
• 30 Michael Jordan
• 31 Bill Gates
• 32 Warren Buffett
• 32 Oprah
• 34 Gary V
• 35 Jeff Bezos
1 important lesson from each:
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Use your salary to invest in passive income, so that passive income replaces your salary.
💰Let's breakdown 5 ways to create passive income & build generational wealth:
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Microsoft Excel has 1 Billion users and is used by 99% of the World's businesses, so here are 20 must-know Excel functions that everyone should learn:
1) =VLOOKUP: This function allows you to search for a value in a table and then return a corresponding value from the same row.…
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Teaching children about money should be part of parenting because schools won't do it.
If you want to become the first millionaire in your family, here are 20 tips everyone should know about money:
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Microsoft Excel shortcuts A to Z to maximize your productivity 10x:
• CTRL + A ➡️ Select All
• CTRL + B ➡️ Toggle BOLD (font)
• CTRL + C ➡️ Copy
• CTRL + D ➡️ Fill Down
• CTRL + E ➡️ Flash Fill
• CTRL + F ➡️ Find
• CTRL + G ➡️ Go To
🧵H to Z:
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10 images every investor need to memorize:
1) Retirement Accounts:
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The Benner Cycle predicted most major downturns so far.
Samuel Benner published this ~150 years ago in 1875.
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Become a Microsoft Excel expert in 90 seconds with these 7 Must-Know functions and increase your productivity 100X
Excel is used by 99% of the World’s businesses and by over 1 Billion people, so bookmark these 7 formulas for later:
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Taxes will be the biggest expense in your life so strategic tax planning is a must.
Tax code is 75,000 pages and the wealthy use every page of it to legally avoid taxes. And you should too.
Here are 7 tax tips to save you thousands:
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STOP GAMBLING AND START INVESTING YOUR MONEY IN INDEX FUNDS!
There are over 2,500 index funds to invest in so here are the 5 best:
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I've used Microsoft Excel for 15 years working in Finance and these 10 tips will make you an expert & increase your productivity 100X.
📊Don't ever use Excel again without knowing these 10 functions:
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Negotiation should be taught in all schools, it's the most important skill when it comes to building wealth.
Everything in life is negotiable, and not negotiating will cost you thousands.
Here are 10 negotiation tips everyone needs to know:
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Teaching children about money should be part of parenting because most schools won't do it.
If you want to become the first millionaire in your family, here are 10 tips everyone should know:
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Use your salary to invest in passive income so that passive income replaces your salary.
💰Let's discuss 7 ways to create passive income:
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I've used Microsoft Excel for 15+ years, and these 15 tips will make you an expert and increase your productivity 15X:
🧵 Excel it's the most valuable skill in many careers, so don't use Excel again without knowing these 15 tips:
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Don’t let a job steal your life, here are 21 tips (from millionaires I've interviewed) on how to retire earlier and build more wealth:
(these 21 money habits have a high rate of return):
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Microsoft Excel shortcuts A to Z to maximize your productivity 10x (Don't use Excel again without knowing these shortcuts):
CTRL + A ➡️ Select All
CTRL + B ➡️ Toggle BOLD (font)
CTRL + C ➡️ Copy
CTRL + D ➡️ Fill Down
CTRL + E ➡️ Flash Fill
CTRL + F ➡️ Find
CTRL + G ➡️ Go…
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The most important investment you can make is an investment in yourself. The more you learn, the more you can earn
― Warren Buffett
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Biggest growth hack:
Reading books.
Give yourself a personal MBA by reading these 10 books:
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Credit card points = passive income
Use credit cards to save thousands by earning reward points, cash back, travel rewards, free insurance, travel protection, purchase protection & to raise your credit score
Here are 7 credit cards everyone should own & use responsibly:
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You get paid in direct proportion to the difficulty of problems you solve
― Elon Musk
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US States with NO State Income Tax:
• Texas
• Alaska
• Florida
• Nevada
• Wyoming
• Tennessee
• Washington
• South Dakota
• New Hampshire
Would you move to any of these States?
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Never let a job steal your life, use your salary to invest in passive income so passive income replaces your salary.
Here are 7 popular ways you can create passive income:
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7K
Teaching children to invest should be part of parenting because schools won't do it.
Here are 10 things about money to teach kids (to put them 10 years ahead of 90% of people):
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Mortgages are now over 7%
People who locked in a 3% mortgage in 2021:
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7K
You can now use ChatGPT inside Microsoft Excel or Google Sheets.
Here's how:
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Mortgage interest rates are now over 7%
People who locked in a 3% mortgage for 30 years:
212
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Microsoft Excel is used by 99% of the World’s businesses but most people don't know how to use it.
Here are 10 must-have Excel skills everyone should know:
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When you win tonight's $750 Million Powerball Jackpot (the 6th largest in history), or Friday's $560 Million Mega Millions ($1.3 Billion combined), here are 5 things to do ASAP:
1) Hire these 7 professionals:
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10 Microsoft Excel shortcuts to learn ASAP:
(I'm an Excel expert and these 10 shortcuts will save you hours of time & increase your productivity 10x):
1) AutoSum: Alt + =
2) Create pivot table: Alt + N, V
3) Insert todays date: Ctrl + ;
📊4-10:
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I've worked in Banking for 10+ years and hired by JP Morgan, Goldman Sachs and Citi to name a few.
Here are 10 common interview questions that I've faced, and tips on how to prepare for each, to help you stand out & get a job offer:
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The genius thing that we did was, we didn't give up
― Jay-Z
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Age at first $1 Million:
• 20 Beyoncé
• 23 Steve Jobs
• 26 Bill Gates
• 26 Michael Jordan
• 26 Jay-Z
• 27 Elon Musk
• 29 Naval
• 30 Warren Buffett
• 32 Oprah
• 33 Jeff Bezos
1 important lesson from each:
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Age at FIRST $1 Million:
• 18 Beyoncé
• 26 Jay-Z
• 23 Steve Jobs
• 27 Elon Musk
• 29 Naval
• 30 Michael Jordan
• 31 Bill Gates
• 32 Warren Buffett
• 32 Oprah
• 34 Gary V
• 35 Jeff Bezos
• 57 Average Millionaire
💰Advice from each to develop a millionaire mindset:
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Median Salary:
2024 — $54,000
2004 — $42,500
+27% increase
Median House Price:
2024 — $532,000
2004 — $184,000
+190% increase
Affordability has never been worse
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If your Nike sneakers are damaged you can get a new pair for free, without a receipt, within 2 years of purchase. Nike will either give you a brand-new pair or a gift card for the same value.
Nike's return policy allows customers to return sneakers or apparel within 2 years of…
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Tax Tip:
If you own a business & have kids under 18, you can pay them $12,950 tax-free & deduct it from your taxable income.
Your child will owe $0 in taxes & you avoided tax on $12,950!
Hire your child for marketing materials & invest the first $6,000 in a tax-free ROTH IRA!
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