Unless this is poorly worded and the author is referencing becoming a millionaire before 30 Investing 10% of income intelligently with no tinkering can absolutely make you a millionaire over a career Outside of starting a business, inheriting wealth, or equity comp lotto

Generating income in retirement isn’t just about cash flow, it’s about avoiding tax surprises. Here’s how to stay ahead: -Map out all income sources -Withdraw in a tax-smart order -Watch for IRMAA and capital gains traps -Plan ahead for RMDs

The richest guy in your neighborhood isn’t in tech. He owns 6 plumbing vans and a storage facility off the highway. Nothing sexy, no LinkedIn, no interest in being the next Elon… Just boring businesses that work.

TAX & WITHDRAWAL STRATEGY Most retirees focus on how to invest. The wealthy focus on how to withdraw. Because the wrong withdrawal order can double your lifetime tax bill. 👉 Sequence matters more than returns once you retire.

A Popular Market Misconception “Not a bubble if everyone knows it’s a bubble.” In early January 2000, during the dot-com bubble, everyone called it a bubble before it burst in March 2000. Hope this helps.

Let's talk estate tax exemption Right now, it is really high, $13.99 million per person Double that if married One thing to look out If one spouse passes away the leftover exemption can be used by the other spouse But only if you file 706 correctly This is something you do

The dark side of the #AICode boom: Startups are 'vibe coding' apps faster than ever, but security is the first casualty. New data: For every $10 spent on shipping a vibe-coded app, less than $1 is spent on security. That 10:1 ratio is a disaster waiting to happen. ⚠️ From data

The goal is not to minimize taxes. The goal is to maximize after-tax return. Simple example: If you choose a 0.01% HYSA, you minimized your taxes by earning $1 in interest. But if you choose a 4% HYSA, your after tax return is ~3.2%. Big difference.

Tax brackets aren’t walls that trap you. They’re buckets you fill, one by one. Crossing into the next bracket only touches the spillover.

Goal of tax prep → minimize this year’s tax bill Goal of tax planning → maximize wealth and minimize lifetime tax bill

Managing your emotions during downturns is the hardest part of investing by far

CYBERSECURITY VC IS BACK! 🚀 Q2 2025 saw $4 BILLION invested across 163 deals—the best quarter since mid-2022. The AI security boom is real: 🔹Data Security deal value surged +420% QoQ. 🔹 Identity & Access fell -94% (lowest since 2018). The big bet? Mature, AI-enabled

Money talks, and in European football, it's screaming private capital. ⚽️ A new PitchBook analysis highlights that 36.5% of "Big Five" league clubs now have PE/VC/private debt backing. Even women's football is seeing big deals, like the reported valuation of West Ham United's

🤯 41% of ALL VC dollars this year went to just 10 startups. That's an astronomical concentration—a 75% increase from last year! Of those 10, 8 are AI companies. One company (OpenAI) raised $40 BILLION. Is this the Power Law in action or an overly-consensus, dangerous bubble

People undervalue how important it is to have a financial sounding board It is why you have a financial advisor They are someone you can spitball ideas with and come up with what is best for you Way too many overanalyze and never take action Or rush into a bad decision

High income earners oftentimes are paying 35-50% of their income to taxes That means 1/3 to 1/2 of your time working is going to tax It is worth spending time and investing in reducing your lifetime taxes This is how we earn our keep We help ensure our clients pay the least

If you know you're going to owe taxes next April I'd suggest having that cash set aside in → T-Bills → CDs → Money Market T-Bills are most ideal since the interest is tax free at the state level

80% of retirees make the same mistake with withdrawals: They wait until RMDs kick in at 73. Result? They end up paying more taxes than they ever needed to. 👉 Instead, start filling your tax brackets early. Withdraw strategically or do partial Roth conversions in your 60s to

The hardest part of financial planning isn’t math. It’s behavior. Budgeting, saving, investing consistently, ignoring noise. Wealth is simple. People make it complicated.

Many do-it-yourself investors end up with a *long* list of scattered accounts. One of the simplest ways a financial planner can help is with account consolidation: streamlining accounts so finances as easier to manage.