UncommonYield
@UncommonYield
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Obsessed with optimizing financial systems | Tweets are for educational purposes
Joined October 2020
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Reporter: Mr Musk when did you realize you could reduce headcount by 50%+ with no impact to operations
@elonmusk
: Exhibit A
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Reminder to anyone early in your career
HR is not your friend, ever
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Live look at holding onto investment gains in a recession
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10 Great ETFs
1 - $VTI - Total US Market
2 - $VXUS - International
3 - $VB - US Small Cap
4 - $VNQ - US Real Estate
5 - $GLDM - Gold
6 - $VWO - Emerging Markets
7 - $QQQ - Nasdaq 100
8 - $IWM - Russell 2000
9 - $VIG - Dividend Growth
10 - $SCHD - US Dividend
What did I miss?
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Every rich person I know, could care less about being debt free
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When I want a new car, I wash my current one
When I want new dress shoes, I shine the ones I already have
When I want a bigger house, I get rid of clutter
Take care of and appreciate what you already have and you will want less
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My oldest son hit a few milestones this month.
-He turned 9
-Saved $1,000 in his savings account
-Invested his first $75 dollars in the stock market. Equal weight into
-$AAPL
-$AMZN
-$DIS
-$FB
-$GOOGL
I’m so proud of you buddy!
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My brother in Christ
Keep that 3% mortgage as long as you can
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Top 10 ETFs
1 - $VTI - Total US Market
2 - $VXUS - International
3 - $VB - US Small Cap
4 - $VNQ - US Real Estate
5 - $GLDM - Gold
6 - $VWO - Emerging Markets
7 - $VUG - US Growth
8 - $VBR - Small Cap Value
9 - $VIG - Dividend Growth
10 - $VYM - High Dividend
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Maxing out a Roth is a great start to building wealth
After 9 years, your account will grow MORE from investment gains than contributions
Compounding is 🪄 magic 🪄
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Need monthly income?
These companies pay a dividend every month!
$DY 7.98% 🏘
$PBA 6.48% 🛢
$MAIN 5.98% 🧑💼
$LTC 5.82% 👴👵
$SLG 4.59% 🏙
$O* 4.12% 🏬
$STAG* 4.06% 🏭
$SJR 3.29% 📺
$LAND 2.33% 👨🌾
*I own
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Maxing out a Roth is a great start to building wealth
After 9 years, your account will grow MORE from investment gains than contributions
Compounding is 🪄 magic 🪄
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@NDrecruiting01
@HorsemenPod
I remember when Lou Holtz beat Ohio State
Wait, he lost twice 😆
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“I cAn’t BeLiEvE pEoPlE sPeNd MoRe ThAn $2k A mOnTh On LiViNg ExPeNsEs”
These dudes are
-Single
-Live with roommates
-Don’t have kids
Hard to be this frugal with a family
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I guess a bike with an iPad isn’t a good business after all
$PTON
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When you trade options but you don’t know what you’re doing
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F-E-A-R has two meanings:
Forget Everything And Run
or
Face Everything And Rise
The choice is yours
-Zig Ziglar
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I used to think Dave Ramsey was awesome
But then I..
-Read some books
-Thought for myself
-Ran some numbers
Now I think Dave’s advice is..
well..
you know 😉
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It is weird when married couples keep their money separate
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Some of my favorite high yielding dividend stocks. They give stability and cash flow in all markets.
ETF
$RYLD 10.57%
$AMLP 10.16%
$HIPS* 9.20%
$KBWD 7.41%
Energy
$PSXP* 10.93%
$SUN 10.02%
$MMP 9.20%
$ET 7.74%
REITs
$NLY 10.16%
$TWO 9.14%
$STWD 7.73%
$OHI* 7.13%
*I own
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Prime Day looks different depending on who you are
Amazon vs $AMZN
Shoppers Investors
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Being debt free is cool
Having enough passive income to never HAVE to work again is cooler
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How anyone can beat the market
1) Buy the market, $SPY or $VTI works
2) Sell WAY out of the money covered calls that are 42ish days out
3) Buy back at 50-75% gain or let them expire worthless
Easy 1% extra every year
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Some of my favorite high yielding dividend plays. They give stability and cash flow when the market is down
ETF
$MLPA 11.55%
$QYLD* 11.49%
$HIPS 9.02%
$SRET 8.01%
Energy
$CVX 4.94%
$PSXP* 11.88%
$ENB 7.42%
$XOM 5.71%
REITs
$IRM* 6.91%
$COR* 4.41%
$OHI* 7.14%
$SPG 4.68%
*I own
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If you are not
-Maxing out your HSA
-Getting your 401K match
-Maxing out your Roth IRA
-Have a full emergency fund
Paying extra on a mortgage is D U M B
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To have a $1M by 60 how much do you have to invest per month?
Age 20: $311
30: $710
40: $1,758
50: $5,552
Start NOW
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Bill and Bob are friends and bought identical houses next to each other in June ‘20 for $250K
Bill hates debt, and took a 15 yr loan at 2.25%
Bob took a 30 yr at 3% and invested the difference between the 15 and 30
They lose their jobs, all things equal, who is better off?
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Unpopular Opinion:
Most people hate their 9-5 because they hate any kind of work
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Would you rather have a $2M portfolio or $100K a year for life?
Defend your choice👇🏻
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I greatly underestimate how much people will pay for a little convenience.
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I often think I’m not very smart
Then people remind me the bar is low
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If you really believed in compound interest
You wouldn’t pay off your mortgage early
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With the next round of stimulus coming I’m going to give each one of my kids $100 for their brokerage accounts.
My oldest son is investing $25 into
$COST - Loves their hotdogs
$BRK.B - Geico commercials are funny
$TSLA - They look cool
$GOOGL - YouTube is the best
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You are making extra payments on your sub 3% mortgage when savings accounts are paying MORE than 3%
🤡🤡🤡
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If you have a $250K 30 year mortgage at 3%, you pay a total of $379K
If inflation is 3% annually, you pay $252K in inflation adjusted dollars
Only $2K to finance 🤯
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Last year I made a $4K outside of my 9-5
This year I am on pace to make $16K
Next year my goal is $30K
5 years from now I will double my 9-5 salary
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@JJOneOfOne
You all won twice 😆
I don’t think the Buckeyes are trying to duck the game like UM did in 2020
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People spend $5,000 on a vacation they can’t afford.
But think investing $1,000 in index funds is too “risky”.
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I love stocks, but the base of my investing is broad index funds
Foundational ETFs
$VTI - US Large Cap
$VO - US Mid Cap
$VB - US Small Cap
$VXUS - International
$VWO - Emerging Markets
$VNQ - US Real Estate
$VNQI - International Real Estate
$GLDM - Gold
$ARKK - Growth
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ABC of Divided Stocks
$ABBV*
$BMO*
$COST*
$D
$ENB
$FAST
$GIS
$HD
$IRM*
$JNJ*
$KO
$LMT
$MA*
$NNN
$O*
$PEP
$QCOM
$RY*
$STAG*
$T
$USB*
$V*
$WMT*
$XOM
$YUM
$ZTO
What are your favorites?
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MY Ranking of top ETF
1️⃣ $VB - US Small Cap
2️⃣ $VNQ - US REITs
3️⃣ $VTI - Total US
4️⃣ $VXUS - International
5️⃣ $VWO - Emerging Markets
6️⃣ $ARKK - Actively Managed
7️⃣ $VIG - Dividend Growers
8️⃣ $VUG - US Growth
9️⃣ $QYLD - Nasdaq Covered Calls
What would you change or add?
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Just landed a new job starting in the new year
50% increase in pay
The only way to get your worth is the leave your current employer
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You need a financial system and a plan to:
1) Maximize yield on cash 💰
2) Invest and grow stocks 📈
3) Combat inflation
#Bitcoin
🥇🏡
4) Get paid for spending 💳
5) Track every dollar 💵
....
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Your regular reminder to not make extra payments on a sub 4% mortgage
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You want to retire at 65
How much do you need to invest per month to retire with $1M assuming a return of 8%?
Starting at Age 25: $284.55
30: $433.06
35: $666.54
40: $1,055.53
45: $1,686.49
50: $2,870.72
55: $5,429.89
60: $13,519.60
Lesson?
Start NOW!
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How to win in the stock market
1) Buy when the market is up
2) Buy when the market is down
3) Hold
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When you invest $6K a year for 30 years at an 7% return
You put in $180K
💰💰💰💰💰💰
💰💰💰💰💰💰
💰💰💰💰💰💰
But it grows to $568K
💰💰💰💰💰💰💰💰💰💰
💰💰💰💰💰💰💰💰💰💰
💰💰💰💰💰💰💰💰💰💰
💰💰💰💰💰💰💰💰💰💰
💰💰💰💰💰💰💰💰💰💰
💰💰💰💰💰💰💰
🪄Magic 🪄
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If you’ve never used your emergency fund
You aren’t investing enough
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