Steve · Millionaire Habits
@SteveOnSpeed
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Joined May 2009
I became a millionaire in my 30s. No side hustles. No inheritance. No tricks. Here are 16 choices that made me rich. 1: I chose a high-paying career field (information technology), not liberal arts. 2: I cut out the losers. All you wanna do is drink? Bye.
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"Just wait until you're my age!" I've been told that my whole life. Yet somehow, I'm now at their ages, and none of that shit they said would happen...happened. I'm happy. I'm healthy. I'm productive. I'm energetic as ever. Don't let these people bring you down.
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The truth is, you don't have much real competition. Most people are robotically going through life, blind to everything around them, stressed out by fake outrage, and thinking they are smarter than everybody else.
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Damn, neither my wife nor I will get our precious stimulus check this time.
BREAKING: US Treasury Secretary Bessent announces that $2,000 tariff stimulus checks will most likely be going to all Americans who make less than $100,000/year.
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$0.
The average American spends ~$1,700 per year on food delivery. That comes out to ~$142 per month. Do you spend more or less?
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So many are completely missing the point. I’m not saying he should pay for his kid’s college. The problem is the reason why he isn’t. It’s a tit-for-tat, thing. He didn’t get help, so he won’t help either? Ridiculous.
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Premium men’s jewelry that elevates every fit. Black Friday deals live now!
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Want to stop living paycheck to paycheck? When will you give up yearly phone upgrade, season tickets, daily $15 lunches, streaming subscriptions, and luxury vacations? If the answer is “never,” you want your lifestyle more.
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A friend of mine told me he's not paying for his kid's college. I asked him why. He said, "Because my parents didn't pay for mine, so why should I pay for theirs?". So dumb it left me speechless.
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One of my biggest goals is to stay off prescription drugs for as long as I can. I'm 44 and still going strong.
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Because nothing says solid retirement planning like “I hope Grandma doesn’t outlive her 401(k)."
More than 50% of Gen Zers and nearly 60% of millennials reported that they’re depending on their inheritance to achieve financial security and retire in comfort, per Northwestern Mutual.
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From digital assets to real-world ownership, we’re building a wallet designed for the next era of finance, where you can transact, invest, and verify all in one place. Your wallet. Your data. Your freedom. We’re already rolling out new features, but we want to hear from you:
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Note: These are similar benefits to getting a 30-year mortgage over a 15-year mortgage. Lower payments increase cash flow. And extra payments are within your control. Discipline = success.
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There are two scenarios where a 50-year mortgage is better than a 30: - Make principal-only payments to build equity sooner, then refinance when rates go down, and - Invest the difference every month in the market Savvy people will do this. Most won't.
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Unpopular fact: Productivity apps won't do a damn thing if you refuse to change your habits.
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I have zero people blocked. Blocking shouldn’t even exist at all. Mutes do the job.
𝕏’s block system is broken. Big accounts (not mentioning any names but... @TheFigen_ who has 2.4M followers) are openly bragging about mass-blocking smaller creators—not for spam or harassment, but to purposely tank their reach to make more room in the feed for them. I asked
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We collected over 4000 remote viewing sessions, and made them publicly available for anyone to see! 20% of these are recorded on-chain in a way that any skeptic in the world can validate the experiment is double blind. Here is a walkthrough of the data we collected, which
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Pretty sure we're still a long way away from AI being able to fix your leaky sink or put in a ceiling fan. Want work forever? Get good at a trade. Start your own business. Almost guaranteed success.
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High food prices sucking up your budget? Meal prep, buy in bulk, choose foods that are on-sale (and healthy), and use discount grocery apps. Small savings add up FAST when prices spike.
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So, the question is: Is a 50-year mortgage preferable to renting? Maybe. Maintenance costs, HOA fees, and property taxes (paid with the mortgage) are factors. Then again, appreciation and some equity can make up the difference. In some cases. As usual, it'll depend.
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There are two scenarios where a 50-year mortgage would be better than a 30: - You make principal-only payments to build equity sooner, then refinance when rates go down, and - You invest the difference every month in the market Savvy people will do this. Most won't.
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Financially intelligent people can make a 50-year mortgage worth it. Sadly, the vast majority of people aren't financially smart.
@SteveOnSpeed More than likely they'll spend it on booze, entertainment, and lottery tickets.
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Yes, because everyone who chooses a 50-year mortgage because they can’t afford a 30-year mortgage will definitely invest the difference to get rich.
If you choose a 30 year mortgage over a 50 year mortgage you’re financially retarded. The difference between a $400k loan at 6% interest is $300 a month. Sure you end up paying $600k more in interest. But the $300/month is equivalent to $4.4m if invested in the s&p500…
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For the people who need a clear explanation of why "rent freezes" are a Trojan horse.
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