Opulus @OpulusLLC

Building a firm to help millennials crush their money goals • @Greiser • @FranWalsh73 • Tweets ≠ Advice opulusmethod.substack.com Join Our Subscribers → Joined April 2020

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Ryan Greiser, CFP® @Greiser

a week ago

A decade in this business has taught me one thing above all others: The gap between people who become wealthy and people who stay wealthy isn’t investment selection. It’s decision quality under pressure. The wealthy person in a down market doesn’t find better stocks. They don’t time the bottom. They just don’t do the thing that feels obvious—selling—because they understand that obvious and correct are different things in volatile markets. Most wealth isn’t built. It’s preserved through the moments when destroying it felt completely rational.

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Ryan Greiser, CFP® @Greiser

2 weeks ago

Sitting in cash feels responsible. It’s visible. It’s stable. The number doesn’t move. But at 3% inflation and a 32% marginal rate, a 4% HYSA earns roughly 2.7% after taxes—and loses ground in real purchasing power every year. The feeling of responsibility is real. The financial result is the opposite of what it feels like. The right question isn’t “is this safe?” It’s “what is this money for, and when do I need it?” Everything beyond 2 years deserves a different answer.

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Ryan Greiser, CFP® @Greiser

2 weeks ago

The HSA-as-IRA strategy isn’t a loophole. It’s an intentional design. Here’s how it actually works: 1. Contribute the max ($4,300 individual / $8,550 family in 2025) 2. Invest the full balance—most custodians let you invest once you hit $1,000 3. Pay every medical expense out of pocket and keep the receipt 4. Let the account compound untouched for as long as possible 5. Reimburse yourself later—years or decades later—for the documented expenses At 65, the HSA behaves like a traditional IRA for non-medical expenses: ordinary income tax on withdrawals, no penalty. For medical expenses at any age: tax-free. The receipt step is non-negotiable. That’s what makes the future withdrawal defensible.

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Ryan Greiser, CFP® @Greiser

2 weeks ago

A pattern I keep seeing with clients earning great money: They’re not failing. Their playbook is. They’re following advice passed down from parents who built wealth in a completely different world with: • Pensions • 30-year careers at one company • Houses that cost 3× salary Those rules worked then. But they don’t match a world where: • Houses run 10× income • Careers shift every few years • The pension is gone If you’re doing everything right and still feel stuck, that’s probably why.