FluentInFinance

FluentInFinance, 3 months ago to random

Good employees don't quit jobs, they quit:

• Low pay
• Bad bosses
• Office politics
• Toxic workplaces
• Micro-management
• Feeling undervalued
• Lack of opportunities
• Zero work-life balance

It's 100% okay to leave jobs that no longer serve you.

Remember, it's important to be happy where you work. You spend a lot of time there.

FluentInFinance, 1 month ago to random

My credit score dropped when I paid off my car.

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

Credit reporting agencies told me: "You should get more loans to increase your credit score."

The system punishes you for not owing them money.

They want you to be in debt.

Credit scoring is one of the biggest scams.

FluentInFinance, 4 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, 6 months ago to random

Career Advice: The company you work for is NOT your family and you don't owe your job anything beyond the work that you're being paid to do.

Prioritize your own growth and well-being over misplaced loyalty. Companies are not families, they're businesses, it's a business relationship and their goal is to make as much money as they can. If they can make more money by laying you off, they will.

If you ever have an opportunity to better yourself, never feel guilty about taking it.

FluentInFinance, 16 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, 2 months ago to random

Working your whole life only to enjoy a few years when you're close to death is one of the biggest scams.

We need to shift this mindset.

FluentInFinance, 6 months ago to random

Life is too short to spend more time at work than with your own family.

Never kill yourself over a job that won’t hesitate to replace you — No money can ever buy back missed time with your family.

FluentInFinance, 1 month ago to random

Government: You owe taxes

You: How much?

Government: You have to figure it out

You: Can I pay what I want?

Government: No. We know how much you owe but you have to guess the number

You: What if I guess wrong?

Government: We penalize you

FluentInFinance, 1 month 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, 1 month ago to random

The Flintstones owned this home on a single salary, from a husband with only a high school diploma.

This was considered normal in 10,000 BC, when the documentary began.

FluentInFinance, 3 months ago to random

Never let a job steal your life.

The company you work for is not your family, you don't owe a job anything beyond the work you're being paid for.

Prioritize your well-being over misplaced loyalty, and never feel guilty about leaving a job.

Companies aren't families, they're businesses. It's a business relationship and their goal is to make money.

If they can make more money by laying you off, they will.

If you have an opportunity to better yourself, never feel guilty about taking it.

FluentInFinance, 3 months ago to random

People don't quit jobs, they quit managers.

Having a great manager isn't a blessing; it's a crucial part of your career.

A manager who's a great mentor is a cheat code for success.

They break down complex tasks, share their own experiences, and answer your questions — no matter how silly they might seem.

Studies have shown that when your manager creates a positive vibe at work, it can make you feel less stressed.

You deserve a manager who believes in you.

It can make or break your career.

FluentInFinance, 5 days 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, 3 months ago to random

Companies after announcing layoffs:

Here’s a $7 Million Super Bowl ad

FluentInFinance, 1 month 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.

FluentInFinance, 5 days 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, 3 months ago to random

In 1987 Al Bundy was able to afford this house while selling women's shoes for $6 an hour:

FluentInFinance, 3 months ago to random

Unpopular opinion: The 40-hour work week is broken.

Employees should be judged on their productivity and results, not on time spent in the office.

The 40-hour work creates a culture where employees are judged on the amount of time they spend at their desks, instead of the quality of work produced and their impact.

This leads to burnout and diminishing returns as workers put in long hours just for the sake of clocking more face time.

FluentInFinance, 2 months ago to random

You are replaceable at work.
You are irreplaceable to your family.

Remember this when prioritizing your time.

If you die tomorrow, your job will replace you within a week.

But your family cannot. Your family will miss you forever.

Don't get so busy making a living that you forget what matters in life.

FluentInFinance, 5 months ago to random

Never let a job steal your life.

Time is a non-refundable resource and when it’s gone, it’s gone forever.

Life is too short to spend more time at work with your boss & co-workers, than with your own family.

FluentInFinance, 24 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, 26 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, 18 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, 1 month ago to random

In 1929 the stock market crashed 90%
In 1973 the stock market crashed 50%
In 1987 the stock market crashed 35%
In 2008 the stock market crashed 55%
In 2020 the stock market crashed 35%

And recovered to all-time highs each and every time.

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

Never let short-term fear control long-term decisions.

FluentInFinance, 2 months ago to random

What people think is wealth:

• Big house
• Fancy cars
• Material things

What real wealth is:

• Family
• Good health
• Financial freedom

Stop being fooled by the illusion of wealth.