Finance Guy @Guytalkfiinance
Sharing opinions about money and good financial habits - Index Investor - Building Wealth Debt Free X Joined February 2013-
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If you need debt to afford the purchase, you can’t afford the purchase 💯
A personal home mortgage is the only form of acceptable debt 💯
Finance 101: Being able to afford the debt payment, is not the same as being able to afford the item 💯
On average it takes a person less than two years to pay off all of their consumer debt. If someone can’t make the sacrifices required to pay off consumer debt. They will not make the sacrifices required to become a millionaire.
People on social media will try to put me down but let’s remember: ↳ Under 30 with over a $100k net worth. ↳ My household has zero consumer debt including student loans. ↳ We have a six-figure household income with great jobs. ↳ Planning to purchase a home within the…
When they join forces to take down Dave Ramsey
Unpopular Opinion: I really don’t mind spending over $20k for a wedding. It’s a one day event that will create a lifetime of amazing memories. It’s well worth the money. Plus you get most of the money back from family gifts.
I will never give financial advice on something I haven’t done myself: ✔️ I’ve sold stocks to pay off a low interest car loan. ✔️ I’ve paused investing to build an emergency fund. ✔️ I don’t use credit cards for daily purchases. ✔️ I sold my single stocks and mainly invest…
Shop for a Certified Pre-Owned Car to avoid depreciation.
Shop for a Certified Pre-Owned Car to avoid depreciation.
My fiancée and I plan to cancel our honeymoon trip. We’re thinking of taking a smaller local trip after the wedding. Then we will join our family on a trip to Italy later in the year. The experience will be much better and something we can enjoy as a family.
Investing is easy with a simple plan 🥱
Buying a car is necessary for most people. Make sure it’s done properly: ↳ Buying a car with cash is always best. ↳ Car Payments cannot exceed monthly investments/savings. ↳ Shop for a Certified Pre-Owned Car to avoid depreciation. ↳ Car must be paid off within one year.…
The look dividend investors give a stock with a nice yield 😍
My goal is to show people that it’s possible for the average person to build wealth. Without leveraging debt with minimal risk while working a regular job. I’m looking forward to showing that it’s possible for a middle class worker to succeed.
If I was drowning in debt, I would absolutely consider pausing my 401k to pay it off. Including the match 💯
Building wealth does not require debt. Just time, patience & contentment 💯
Top 10 Stocks of the S&P 500 in the Year 2000: $GE ~ General Electric $INTC ~ Intel $CSCO ~ Cisco $MSFT ~ Microsoft $PFE ~ Pfizer $XOM ~ Exxon $WMT ~ Walmart $ORCL ~ Oracle $T ~ AT&T $NT ~ Nortel What do you think the Top 10 S&P 500 stocks will look like 20 years from now?
Boy math: Betting $15 on a 9 leg parlay hoping to make millions during the Super Bowl
My mission is way bigger than financial freedom for myself. It’s for my future family. So my wife, and kids won’t have to work as hard as I do. I’ll work for as long and hard as it takes to make sure that happens. Trust me
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@GuyTalksFinance I got killed buying my first place in 2007. Prices had already come down 10% and the property appraised for 7% higher than what I paid. Over a decade later, after paying $250,000+ in interest and property taxes over that time, I had to sell it for less than I bought it for.
@vanessasierra00 Guys, this is what she means by not shredded.
These are some Stranger Things decorations we built. More to come. #Halloween #StrangerThings #demogorgan #vecna
@calstanvard Had my spleen removed years ago. They were worried it was going to explode if I kept it.
@Govro12 Another way to look at it… assume 20x PE of the profit from Termont Montreal. $24MM / 0.5 x 20 x 25% = $240MM for Logistec. Based on comments from CEO, Termont earnings should be stable
@GuyTalksFinance You are right. Renting is always cheaper. But owning land protects you against currency devaluation and inflation. Long hard asset / short fiat money via mortgage, and tax free capital gains. Don’t overthink it.
@GuyTalksFinance Yes, but you typically have a yard and garage leveraged at 4 to 1, so 10% price appreciation is a 50% ROI. Just don’t overbuy.
Eclipse visual aid - let me explain before I get thirsty,
If you are being critical of Elon but still own Tesla stock, I will never take you seriously again. If you own Tesla stock and vote against his compensation plan I can never take you seriously again. He could walk away and Tesla would die a slow and painful death.
Like he doesnt even see Hogan. @HulkHogan is no wrestling god. @HeymanHustle is a wrestling god!
THANK YOU @HeymanHustle. THE TRUE REAL AMERICAN. x.com/uzinq/status/1…
@GuyTalksFinance Until your rent gets doubled over 3 years
OK UCLA basketball is absolutely loading up now. My lord
Let’s get it Bruin Nation💙💛 #4’sUp
@GuyTalksFinance We bought after renting for years. Pros & cons to both but we now have a fenced in backyard we can use anytime, laundry we can use anytime, tons of extra storage space, & the ability to change & modernize how we want to. A lot of value in all of that
Michael Yon - Secrets of the Darién Gap | SRS #101 youtu.be/K-cKQ-emN6Y?si… via @YouTube
@the_transit_guy Bring these back and I might consider riding a train now and then. Otherwise, I'm driving.
“Stand your ground. Don’t fire unless fired upon, but if they mean to have a war, let it begin here.” - Captain John Parker, Colonial Militia, April 19, 1775.
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