FluentInFinance

FluentInFinance, 4 months ago to random

Just because you can afford a $1,500/month car payment doesn’t mean you need to spend $1,500/month on a car.

Car A: $1,500/ month payment

Car B: $600/ month payment

Both cars drive you to work, and one car keeps you stuck working there.

FluentInFinance, 4 months ago to random

Success comes down to priorities.

Watch Netflix for 3 hours — no problem
Learn something new for 3 hours — no time

Choose wisely.

FluentInFinance, 4 months ago to random

10 companies that own "everything":

FluentInFinance, 4 months ago to random

Best websites for finding remote jobs:

• Hired
• Flex Jobs
• Remote OK
• Just Remote
• Daily Remote
• Remote Leads
• Angel List Talent

Any others I missed?

FluentInFinance, 4 months ago to random

Most people will trade their time for money, to pay for their needs and wants, their entire lives.

Wealth isn’t created by exchanging time for money — It’s created by putting your money to work for you.

The truth is, you get rich by investing.

When you start using money to make money instead of time to make money — becoming wealthy is only a matter of time.

FluentInFinance, 4 months ago to random

No job is worth it if it costs your:

• Health
• Happiness
• Time with family

Never let your job steal your life.

Your job prioritizes its profits — not you.

FluentInFinance, 4 months ago to random

The average person dies ~11 years after retirement.

But retirement doesn’t have to be an age, it can be a number in an investment account.

Every dollar you invest today buys time in the future that you won't have to work for someone else.

The goal is for passive income to replace active income, so that having a job becomes a choice, and not an obligation.

Retirement can come at any age.

FluentInFinance, 4 months ago to random

Never be fooled by the illusion of wealth.

Many people who show off flashy cars and expensive homes are usually in debt.

Don’t go broke trying to look rich.

The ultimate status symbol is time freedom.

The real flex is being able to do what you want, when you want, surrounded by people you love.

FluentInFinance, 4 months ago to random

You wake up to $10 Million in your bank account, what you doing this weekend?

FluentInFinance, 4 months ago to random

90% of Millennials had regrets about buying their first home (per Real Estate Witch)

This is up from 82% in 2023

The most common regret is:
• Bad location (27%)
• Bad neighbors (26%)
• High-interest rate (25%)

Do you regret buying a home?

FluentInFinance, 4 months ago to random

Do you remember when McDonald's was affordable?

FluentInFinance, 4 months ago to random

Home builders have a "solution" for the housing crisis:

FluentInFinance, 4 months ago to random

Can't go wrong with a $15 emergency kit from Costco!

FluentInFinance, 4 months ago to random

I don't know who needs to hear this but your job is not your family.

Companies are not families, they're businesses, it's a business relationship and their only goal is to make money. If they can make more money by laying you off, they will.

You don’t owe your job anything beyond the work you're being paid to do.

Prioritize your own growth and well-being over misplaced loyalty. If you have an opportunity to better yourself, never feel guilty about taking it.

FluentInFinance, 5 months ago to random

Your boss won't remember the long hours or late nights you spent working.

The people who will remember are you and your family.

Working hard is important, but your health and family are what matter most in the long run.

While work serves a purpose, it should never define you, or come before your well-being.

FluentInFinance, 5 months ago to random

The wealthy avoid taxes using the “Buy-Borrow-Die” strategy:

Step 1: Buy assets and hold (to avoid capital gains taxes from selling)

Step 2: Borrow money from Banks for living expenses using assets as collateral, at low interest rates (while assets appreciate)

Step 3: Interest paid on borrowed money is a tax write off

Step 4: Wait and repeat. The long-term gains on assets outweigh the short-term cost of borrowing money

Step 5: Pass assets to kids, tax-free (with stepped-up basis) and repeat

FluentInFinance, 5 months ago to random

A great leader will help others rise.

Here are 11 sentences all great leaders should memorize:

• Thank you.
• Let’s celebrate.
• You’ve got this.
• I believe in you.
• I trust your judgment.
• How are you really doing?
• Tell me more about your idea.
• How can I support your growth?
• What challenges are you facing?
• What do you think we should do?
• What do you need to be successful?

Great leaders inspire.

FluentInFinance, 5 months ago to random

The best measurement of wealth is time.

Value is derived from scarcity, and time is the most scarce resource we will ever have.

Time is non-renewable, non-replenishable and non-refundable. Once time is spent, you can never get it back.

Money is an exchange of value, for time — And not enough people protect their time.

FluentInFinance, 5 months ago to random

If your debt won't make you wealthier, don't do it.

FluentInFinance, 5 months ago to random

Credit Score Hack:

Add your child to you credit card as an authorized user as soon as their born, and when they’re 18 they’ll have an 800+ credit score with a long credit history (just pay the balance on time, and in full!)

Here are the credit card age requirements:

FluentInFinance, 5 months ago to random

Don’t be fooled by the illusion of wealth. According to many, wealth looks like:

• Mansions
• Sports cars
• Designer clothes
• Luxury vacations

But, true wealth is:

• Health
• Time freedom
• Location freedom
• Financial freedom

Freedom is true wealth. The sooner you realize this, the better.

FluentInFinance, 5 months ago to random

7 NEW YEAR'S RESOLUTIONS:

✓ Spend more time with people you love
✓ Leave behind what isn't good for you
✓ Have a more positive outlook
✓ Don't respond to negativity
✓ Smile and laugh often
✓ Practice self-care
✓ Get more sleep
✓ Eat healthier

What would you add?

FluentInFinance, 5 months ago to random

Has anyone had success turning themselves into a "morning person"?

How'd you do it? What are your best tips?

FluentInFinance, 5 months ago to random

Job hopping every 2-3 years is one of the best life hacks.

You create a higher baseline for your future earnings — such as higher salary and bonuses, better stock options and more opportunities for advancement. You may also find better:

• Benefits
• Work culture
• Career growth
• Work-life balance

Job hopping may get a lot of bad press but it's one the best ways to increase your wealth over your lifetime.

Agree or disagree?

FluentInFinance, 5 months ago to random

Cities with the highest and lowest inflation: