Finance Guy
@GuyTalksFinance
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Just a normal guy talking about personal finance and investing. S&P 500 and Chill 😎
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Joined February 2021
It’s still possible for the average person in middle class to build wealth. S&P 500.Gold.Bitcoin.Real Estate. Those are the assets you need to get there.
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Driving a car that’s worth more than your retirement account is inexcusable.
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Year to Date Returns:. S&P 500: +6%.Gold: +26%.International: +18%.Bitcoin: +25%. The S&P 500 is getting crushed this year compared to other investments.
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Gold has been moving sideways for about 3 months now. A big move is definitely coming soon.
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Wealth hack: get married. Married couples have a median net worth that’s 3x times higher than that of a single individual. Marrying the right person will be the best financial decision you ever make.
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Investing at least 15% of your income with a 10% average return should be plenty of money to retire on in 30 years. If that doesn’t seem like enough, you should focus on increasing your income — instead of gambling for higher returns.
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A married couple with zero consumer debt investing +15% of their income. That’s a couple that will be very wealthy in the future.
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I’m okay with being wrong about Bitcoin if I’m going to make a bunch of money with it.
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You can build wealth by dollar cost averaging into the S&P 500. You can build wealth by dollar cost averaging into Bitcoin. You can build wealth by dollar cost averaging into Gold. All of these are good options to build wealth — make sure you’re buying at least one of them.
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If you think real estate prices are high now… wait until mortgage rates go back down to 5% or lower.
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S&P 500 is at an all-time high. Bitcoin is near an all-time high. Gold is near an all-time high. Real Estate prices are near an all-time high. Asset prices aren’t getting any cheaper and if you’re not buying them — you’re getting broker.
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Trump is lying so much it’s getting hard to keep track.
Coca-Cola , $KO, has not confirmed of recipe change to sugar cane in the US and has said corn syrup is safe and widely used in US drinks, per the Guardian.
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From 2019 - 2022 Austin, Texas saw real estate prices increase by around +110%. From the peak in 2022 - 2025 real estate prices have dropped around -18% . This is not a real estate market crash — this is a buying opportunity.
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Everyone wants to live in a safe neighborhood, with good schools and reliable public services. Yet nobody wants to pay Property Taxes to fund all of these things.
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Property Tax is the price you pay to keep low income earners out of nice neighborhoods.
There is absolutely no rational reason for a 65 year old who owns their home to still be paying property taxes. It's absurd.
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The biggest financial problem Americans face is entitlement. Everyone feels entitled to live a more luxurious life than their income can provide. Life would be way more affordable for a lot of people if they lived with their means instead of always expecting more.
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They would never give an employee 6 months notice before laying them off.
JPMorgan Chase, $JPM, 'requires workers give 6 months notice' before quitting, per NYP.
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It’s funny when I say “$70,000 yearly is enough money for a person to live a comfortable life.”. Then people respond with “yeah, but you can’t raise 3 kids playing travel sports in LA or NYC while driving a brand new car.” . Living Comfortably ≠ Living Luxuries.
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