FluentInFinance

FluentInFinance, 21 hours ago to random

All these groceries were only $105 at Aldi

FluentInFinance, 1 day ago to random

The company you work for is not your family and will never be.

They use the word "family" to manipulate you.

You are replaceable at work but never replaceable at home.

No amount of money can buy back lost time with your family.

Life is short. You get 4,000 weeks if you're lucky.

FluentInFinance, 1 day ago to random

Monthly mortgage on a $500,000 home today: $3,500

Monthly mortgage on a $500,000 home in 2021: $2,000

$1,500 more per month for the same home. Wild.

FluentInFinance, 4 days ago to random

If you make $20/ hour, that night out isn't $300, it's 15 hours of your time, or 2 days of work.

If you make $20/ hour, that car isn't $50,000, it's 2,500 hours of your time or 357 days of work.

Framing purchases in time instead of dollars will help you make better decisions with money.

Always consider opportunity cost.

Time is your most valuable asset, use it wisely.

FluentInFinance, 6 days ago to random

Life expectancy is 77.
Retirement age is 67.

50 years of work to enjoy 10 years?
Let that sink in for a moment.

We need to shift this mindset.
Retirement is a financial goal, not an age.

FluentInFinance, 6 days ago to random

BREAKING: A Bill to end the Federal Reserve has been introduced by US Congressman Thomas Massie!

FluentInFinance, 10 days ago to random

For the first time in history, Billionaires are now paying less taxes than working-class families:

FluentInFinance, 12 days ago to random

My credit score dropped when I paid off my car.

My credit score dropped when I paid off my student loans.

The system punishes you for not owing any money.

They told me: "You should get more loans to increase your credit score."

The system is predatory and wants you to be in debt.

Credit scores are one of the biggest scams.

FluentInFinance, 14 days ago to random

Wait 1-day before deciding on small purchases,

1-week for medium purchases, and

1-month for large purchases.

This will save you a lot of money on impulse purchases.

And if you still want it, then buy it.

If not, skip it.

You'll realize you never really needed it.

FluentInFinance, 14 days ago to random

If something costs $150 and is on sale for $100,

You're not saving $50.

You're still spending $100.

If you buy something you weren't going to buy in the first place, it’s not a good deal.

Anything is 100% off if you don't buy it.

FluentInFinance, 16 days ago to random

The Stock Market crashed:

-90% in 1929
-50% in 1973
-35% in 1987
-55% in 2008
-35% in 2020

And recovered to new all-time highs every time.

Since 1926, the stock market has returned 10.5% per year, on average.

Market drops are an opportunity for long-term investors, not a risk.

Generational wealth is built on red days.

FluentInFinance, 17 days ago to random

The person you will be in 5 years depends on:

• The skills you learn today
• The books you read today
• The habits you adopt today
• The network you build today

Start investing in yourself today.

FluentInFinance, 18 days ago to random

Are you looking for a Remote Job?

10 websites to find Remote Jobs:

• Hired
• UpWork
• Flex Jobs
• Remote OK
• Just Remote
• Simply Hired
• Daily Remote
• Remote Leads
• Angel List Talent
• Working Nomads
• We Work Remotely

Any others I missed?

FluentInFinance, 18 days ago to random

By age 30, you should form a circle of friends who talk about building wealth, investing, entrepreneurship, and self-improvement.

Not gossip.

FluentInFinance, 19 days ago to random

Scarcity mindset:
• Waiting 30 mins in line for gas, to save a few pennies.
• Waking up at 3 am to wait in line for a sale, to save a few dollars.

Wealthy Mindset:
• Not wasting your time to save a few pennies.
• Realizing your time is worth more than saving a few dollars.

Money is infinite. Time is not.

You can make more money if you run out of it.

You won't get more time when you run out of it.

Time is your most valuable asset. Never waste it.

FluentInFinance, 20 days ago to random

Reading 30 minutes a day is 20 books per year.

Saving $20 a day is $7,300 per year.

Making an extra $100 a day is $36,500 per year.

Focusing for 4 hours of deep work a day is 40 days per year.

Success is the compounding of small habits.

And small habits make a big difference.

FluentInFinance, 22 days ago to random

Teaching kids about money should be part of parenting because schools won't do it.

Here are 10 finance terms everyone should know:

FluentInFinance, 22 days ago to random

No job is worth it if it costs your:

• Health
• Happiness
• Time with family

Never let your job steal your life.

You are 100% irreplaceable to your family.

You are 100% replaceable at your job.

FluentInFinance, 22 days ago to random

You could have an $80,000 car loan with $0 invested, and people will think you're rich.

But when you have $100,000 invested and drive a $25,000 car, people think you're broke.

Don't be fooled by everything you see.

FluentInFinance, 25 days ago to random

8 uncomfortable truths about life:

• Life isn't always fair
• Failure is a part of life
• Life will never be perfect
• Not everyone will like you
• You can't please everyone
• Not everyone is your friend
• There is no easy route to success
• Life is full of uncertainty and unpredictability

What else?

FluentInFinance, 25 days ago to random

US States with NO State Income Tax:

• Texas
• Alaska
• Florida
• Nevada
• Wyoming
• Tennessee
• Washington
• South Dakota
• New Hampshire

Would you move to any of these States?

FluentInFinance, 26 days ago to random

Life expectancy is 77.

Retirement age is 67.

Work 50 years to enjoy 10?

We need to shift this mindset.

Retirement is a financial goal, not an age.

FluentInFinance, 26 days ago to random

Good people don't quit jobs. They quit:

• Low pay
• Bad leadership
• Toxic workplaces
• Micro-managers
• Zero work-life balance

Respect yourself enough to know that you deserve better.

Respect yourself enough to walk away from anything that no longer serves you, grows you, or makes you happy.

FluentInFinance, 28 days ago to random

What society tells you is normal:

• $60,000+ cars
• $800,000+ homes
• $40,000+ weddings
• $100,000+ college tuition

All before you turn 30.

Then another 30 years spent working to pay it off.

In reality, it's just a debt trap to keep you working forever.

FluentInFinance, 28 days ago to random

The real scam is normalizing mountains of debt for college, cars, weddings and vacations.

And then depending on a job you hate to pay it back until you die.

The biggest scam society pulled was normalizing the American debt trap.