The Stock Market is a tool that allows average people making average salaries to build above average wealth over the long term.

We are more than halfway through 2025. Here’s the YTD Performance of these popular investments so far: . - $VOO: 6.75%.- $VTI: 6.22%.- $QQQ: 9.22%.- $SCHD: -1.21%.- $VUG: 8.73%.- $SCHG: 6.21%.- $VXUS: 17.34%.- $GLD: 25.61%.- $VB: 0.31%.- $BTC: 25.10% . Heavy main character.

The 9-5 to Assets Funnel: . - Take active income earned at the 9-5 .- Use that income to buy assets .- Repeat . For best results, continue until job optional.

I wish more people realized that money grants you the ability to focus on what’s really important. Not the other way around.

If you hate your job, the idea of “Early Retirement” gets more and more appealing. But not so much, when you’re passionate about the work you do.

Not to mention the possibility of withdrawing up to $126,700 and paying $0 Federal Income tax. (For married couples).

The Taxable brokerage might be the most underrated & underused account out there. Our goal is to stack it aggressively until it’s larger than our retirement accounts. All in on Optionality.

Things you know before buying a house… but don’t fully understand until you do:. - If something breaks, it’s solely on you. - The routine maintenance never ends . - The Mortgage stays the same… but taxes and insurance don’t. All things considered…. Would still rather own.

I mostly talk about personal finance on here but hiking is a huge passion (really an obsession) of mine. Will be road tripping through Washington and Oregon this month. Hope to share more places like this 🤘.

Get out and see places like this. You’ll realize just how small your problems really are.

We’re not rushing to pay off our house early. But I’d be lying if I said the thought never crosses my mind. Say what you want about the math—. Owning your home outright has gotta be one of the coolest feelings out there.

90% of our investments are in broad market index funds/ETFs. The remaining ~10% is allocated to single holdings. Those holdings are:. - Bitcoin $BTC.- Ethereum $ETH.- Cardano $ADA .- Tesla $TSLA . $TSLA being the newest addition. The rest we’ve been holding for a while.

I can’t think of anything better than the first sip of Coffee in the morning.

Investor Pitfall:. Thinking you’re good at picking stocks during a bull market.

Things that are heavily undervalued in today’s world: . - Long-term thinking.- Keeping your word.- Doing the right thing.- Delayed gratification.- Saying “no” without guilt.- Listening more than you speak.- The power of showing up daily.- Deep focus in a distracted world.- Boring.

Already pushing $117K since I posted this lol.

Updated Yearly Highs for Bitcoin $BTC:. 2010: $0.39.2011: $31.90.2012: $15.40.2013: $1,241.2014: $1,093.2015: $492.2016: $982.2017: $19,870.2018: $17,252.2019: $13,929.2020: $29,298.2021: $68,990.2022: $48,199.2023: $44,697.2024: $108,244.2025: $113,762 (as of today) . Wonder.

I think “rule” is too strong of a word. Guideline is better suited. Really just a thought exercise to get people thinking about this stuff. Many other things that can be considered. If you like conversations like these follow on.

Account/Asset Stack up:. - 401(k).- Roth IRA.- Taxable Account.- Rental Property.- Bitcoin & Crypto.- HYSA Account .- Regular Savings Account. I’m a fan of stocks, real estate, Bitcoin—honestly, all of it. But if I had to drop one?. It would be the rental. Just signed another.

Max the 9-5. Buy the assets. Follow along if that’s your kind of playbook.

Portfolio withdrawals using the 4% rule:. $1,000,000 = $40,000 per year.$1,500,000 = $60,000 per year.$2,000,000 = $80,000 per year.$2,500,000 = $100,000 per year.$3,000,000 = $120,000 per year. Now throw in a paid off house plus social security in retirement……. Not too.