It’s not hard to get to $1M invested with a typical 10% return and compounding. Invest $1K/month and it will take 22.4 years $2k/mo, 16.5 years $3k/mo, 13.4 years $4k/mo, 11.3 years $5k/mo, 9.8 years. It is very doable.

I don’t think money in an emergency fund is wasting away. It’s doing its job as a safety net so you don’t have to sell at a bad time if something comes up during a bad time in the market.

Eating at home is still super affordable if you plan right. Plan recipes to cook and you can eat real well on a slim budget.

So I'm 12 issues of my newsletter in, and what surprised me most is that the issues people connect with most aren’t the ones where I try to sound smart. They’re the ones where I admit something isn’t perfect, like telling readers my own emergency fund isn’t set up the way I’d tell them to set up theirs. Turns out honest beats polished ✏️

BREAKING: Binance has been hacked with wallets across the Ethereum, Bitcoin, and TRON networks seeing outflows of -$5.7 billion. The hack includes $1.45 billion worth of Bitcoin and $875 million worth of ETH. If confirmed, this would mark the biggest hack in crypto history. We expect more information shortly.

Truths you may need to hear: - Nobody is stopping you from going to school, getting a trade, or a cert - Nobody is stopping you from learning better financial and social skills - Nobody is stopping you from working out and considering healthy choices Just you

MASTERCARD $MA Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $9.8B (Est. $9.65B) 🟢; +14% YoY 🔹 Adj. EPS: $5.31 (Est. $5.16) 🟢; +21% YoY 🔹 Adjusted Net Income: $4.7B; +17% YoY 🔹 Adjusted Operating Margin: 60.5%; +70 bps YoY Segment Net Revenue: 🔹 Payment Network: +11% YoY 🔹 Value-Added Services & Solutions: +19% YoY Other Q3 Metrics: 🔹 Gross Dollar Volume: $3.0T; +7% local currency 🔹 Purchase Volume: +9% local currency 🔹 Cross-Border Volume: +11% local currency 🔹 Switched Transactions: +9% YoY 🔹 Cards Issued: 3.8B Capital Return: 🔹 Buybacks: 5.3M shares for $3.0B 🔹 Dividends: $763M Comments: 🔸 “Another strong quarter for Mastercard, delivering net revenue growth of 14%. More Mastercard credentials in more hands give us a powerful foundation, backed by our global reach and innovation. From advancing Agentic Commerce to our new Global Money Platform through BVNK, we’re shaping how people pay, manage and exchange across currencies. We’re not waiting for the future of commerce. We’re building it.”

🚨 Never forget… Your whole idea of buying every dip through ETF and chill is a 13-year illusion. 100 years of S&P 500 real returns, split into regimes: – 1928-1948: 0.6% a year – 1949-1968: 12.7% – 1969-1984: 0.5% – 1985-1999: 15.1% – 2000-2012: -0.8% – 2013-2025: 11.8% Notice the rhythm. A golden era, then a dead one. Feast, famine, feast, famine. Not one regime in a century simply continued. The long-term average of 7% real that everyone plans with? Almost no generation actually experienced it. You got 12%, or you got zero. The average is a fiction made of two extremes. Everyone who started investing after 2009 has only known the feast. Buy the dip worked every single time. Not because it's a law. Because you happened to live inside the blue bar. But the current run is already as long and as rich as the two golden eras before it. And every one of them ended the same way: not with a warning, with a decade. Mean reversion doesn't announce itself. It just stops paying. The next 0.5% decade will feel impossible right up until it starts. It always has.

I actually gave my retirement notice in my annual review. I knew I was going to do it (had nothing to do with performance). I let my manager do all her yapping, and then said, "yea, Im not going to do any of those things. This is my retirement notice. Your manager knows" That was 5 years ago next week.

How much cash should you keep in your checking account?

I'm going to be honest I don't want to work my 9-5 anymore lol

"Money won't matter in 2036." This is the craziest prediction of our generation. Elon Musk said it, and he believes robotics and AI will lead to so much abundance that money will become obsolete. Is this actually possible?

Over 250k bulk cards