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I see a lot of unnecessary hate about 401(k)s, and I think these four reasons explain some of that hate! What is important to understand is that a 401(k) is just an investing account. In fact, it’s better than a normal investing account because it gives you some great tax perks. But there are a few things you need to be weary of. 401(k)s are sponsored by your employer, so you will only be able to select from a few investment options. Sometimes those include active funds that will try to beat the market (and almost never do in the long term). Sometimes you will be in a target date fund that will have some bonds included in it that will cause it to underperform the total market. That’s okay depending on your age - you don’t want to have all your money in the stock market as you get older. While the expected returns are higher, so is the volatility. If you have time, that’s okay, but if you don’t it can be risky. Related to point #1, sometimes employers just give bad investment options that have super high fees. There is ALMOST always at least one low-fee index fund option, so make sure you choose that. And if there isn’t one, your employer is scamming you. Avoid super high fees (>0.5%) at all costs. Finally, your 401(k) might be underperforming because you’re trying to manage it. Just like any other investment account, you need to let it do its thing over a LONG time. Don’t pull your money out, don’t switch funds every quarter, just pick a low fee option and forget about it. 401(k)s are an AMAZING tool for building wealth. Don’t let the anti-401(k) propaganda get to you! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
You’re brokerage firm DOES NOT MATTER. That’s a bit of an overstatement, it does matter a little bit, but there are MANY brokerage firms that provide great options. You shouldn’t delay your investing journey at all because you can’t decide which brokerage firm to use. Vanguard, Fidelity, and Schwab (sometimes called “the big three”) all offer GREAT options to invest. They all have index funds that track the same set of stocks and bonds, and their performance will BASICALLY be the same. They all have different algorithms to track the index and they all have (slightly) different fees, but within the passive space they are basically the same. Vanguard did slightly worse over the last 5 years, but I can confidently say that is 100% random variation. In another 5 years, Vanguard could just as easily be a few hundred dollars ahead. The main point is that they all do a great job of tracking their intended indices. While I don’t like brokerage firms like Robinhood because they encourage trading, you can even by the ETFs of brokerage firms like Vanguard through Robinhood. I fundamentally disagree with trading because data shows that the vast majority of traders lose money, but if you trust yourself to buy and hold through Robinhood, they could even give you the same portfolio shown here. I’ve said it once and I’ll say it again - your brokerage isn’t super important. Just pick a reliable brokerage and start investing! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
We all hear about money making money, but there is a flip side to that. NOT having money COSTS money. There are so many costs of being poor that it makes it really hard to get out of it. There are many listed here, and even more when you get into the weeds of it. There is a lot of “hustle culture” content on Instagram that I don’t agree with, but the one “hustle” aspect that I do encourage is trying extra hard to get your finances together while you’re young. Working extra hard and maybe living a bit below more below your means than you would like when you’re just getting started can make a huge difference. Once you get a buffer on your net worth, you won’t be NEARLY as worried about your money. You can avoid all of the traps listed here, but more importantly, it’s GREAT for your mental stability. My first 3-4 years out of college I lived SUPER frugally and was making high income. I still had a ton of fun, but I never blew my money on random things that I knew wouldn’t make me happy. Fast forward to now and I am not making any money (I’m in grad school) but I don’t stress about money at all because I’ve gotten such a buffer. Hustle to get that buffer ASAP and your personal finances and mental health will thank you! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
We all need some form of transportation, and there is no shame in paying for it, but you should make sure you know the TCO (total cost of ownership) of your transportation! It’s easy to go to a dealership and figure out the monthly payment for a new car. What isn’t so easy is figuring out the TCO! Gas, insurance, maintenance and repairs, and other fees won’t always be as apparent, but they will certainly still be taking from your pocket. The average monthly payment for a new car in 2023 was $738 ($532 for used), but the monthly TCO was $1,271! That means that 42% of the cost is OUTSIDE of the monthly payment! What makes this EVEN MORE difficult is the fact that certain expenses (mainly maintenance and repairs) won’t occur on a regular basis. You could go months without having to fix your car, then have an expense for several thousand dollars. This isn’t to say you shouldn’t buy a car - like I said, we all need transportation. Just make sure you’re budgeting for the TOTAL cost of a car and not just the monthly payment. The other costs can sneak up on you! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
HONDA CIVIC VTI ORIEL PROSMATEC 1.8 MODEL : 2012 MILEAGE : 150K ( ORIGINAL MILEAGE ) FULL ORIGINAL ( LEFT REAR FENDER TOUCHUP ) 17 INCH LOW PROFILE ALLOY RIM WATANABLE DEEP HOLLOW INSTALLED WITH NEW LOW PROFILE TYRE CARBON FIBER DUCK TAIL SPOILER INSTALLED FRONT AND BACK LIGHTS ARE SMOKE BLACK TINED CARBON FINER STEERING FACE CARBON FIBER HAND BRAKE ANDRIOD PANEL INSTALLED ORIGINAL NISSAN 350Z SPORT MUFFLER EXHAUST FOR MORE DETAIL CALL 03332102578 Honda Honda Civic #honda #civic #vti #oriel #prosmatec #hondacivic #hondacivicvti #hondacivicvtioriel #2k12 #black #sport #muffler #sportmuffler #low #profile #lowprofile #rim #lowprofilerims #themkmotors The MK Motors
As a personal finance guy, I love a good “rule”! A lot of concepts around personal finance can be kind of hazy without exact answers, so a good heuristic to help base your decisions or estimations on can be VERY helpful. Before I get flamed for any of these, keep in mind these are all ROUGH rules, not meant to be taken exactly. Especially the rule of 3x, or the rule of 20/4/10... these are meant to give you a STARTING POINT, not be 100% accurate. Let me know if you have any favorite money rules that I missed here! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Starting off 2024 by giving you ALL the steps you need to get RICH. Getting rich won’t happen overnight, so you better start working your way up this ladder now 🙂 This guide is very general but gives a good basis for how to progress as your personal finances improve. There are fantastic accounts like HSAs and 529s that I left off of here because they are situation dependent, but if it makes sense for you you should absolutely take advantage of them. The return calculations all use 8% as a rate of return. This is a conservative estimate on the return you could get from a broad market index fund. People get hung up on the numbers a LOT, and I get it, but the core point of these projections is not to pinpoint an exact number, but to show you how big of a difference investing over the long term makes. Drop a comment if you have any questions about any of the steps. Happy New Year everyone!🥳 - Matt #MatttheMoneyGuy #personalfinancetips #moneysaver #moneysavingtips #investingstrategy #investingeducation #vti #indexfunds
If you’re Mia and you’ve been investing for 20 years, you may think you’ll NEVER be a millionaire! 20 years feels like a long time, and while $284k is a TON of money, it’s not super close to a million... ...but that’s where you’re wrong! $284k isn’t very close to $1M nominally, but by TIME it’s way over half way! Compounding growth is the most powerful force in investing and it’s the reason for success of the best investors in history. Warren Buffet (CEO of Berkshire Hathaway) and Ray Dalio (manager of the world’s largest hedge fund), to name a few, have quoted compound interest as a driving force in their success. Big wins are NOT how the vast majority of rich people get rich. Sure, you may pick Tesla or Nvidia early on, but even many of the people who do don’t do as well long term as you’d think. It’s hard to time your buying AND selling at the exact right time. And even if you do, many people fail after due to their misplaced confidence in picking the next big thing. Investing in an index fund isn’t just an OK option for a typical investor, it’s THE BEST option over the long term. Decades and decades of data proves it. All you need to do is understand why and be consistent over a LONG period of time and you WILL be rich! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
I knew credit card debt is common, but these stats even shocked me as to the extent of it. This is a PROBLEM. Credit card debt falls into the category of things that make it HARD to get out of financial distress. It’s commonly said that being poor is expensive, and credit card debt is one of the main reasons for that. Let’s say your $100 short for the month. You get in a pinch and don’t know what to do, so the easiest option is to just put it on the credit card. The problem comes in the next month when you’re $100 short again. And the month after when you’re $100 short AGAIN. Now because you were short on your bills, you aren’t just $300 short after 3 months, your $300 short + CRAZY interest (often 20%+)!! As you can imagine, it usually doesn’t get better from there. Because you were short on your bills, you have to pay more and more money. Someone who had more money than you would have paid LESS than you for the exact same amount of stuff. Pretty tough system that punishes those who have the least. This is why I emphasize getting a buffer in your finances ASAP. It actually saves you money just to HAVE money. I don’t think cutting out tiny luxuries is the key to getting rich, but foregoing some comforts for a period of time to get a buffer is certainly worth it in my opinion. This isn’t to shame you if you’re a part of the group that is holding credit card debt, but rather to encourage you to focus on paying it off! That is step number 1 on the road to getting your personal finances together, and I promise you’ll be a lot less stressed if you focus on doing it! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Most personal finance pages: “Buy my course to learn how to invest to be a millionaire!!” Me: *Pins free guide to profile showing you the step-by-step guide to retire a millionaire with Vanguard* Sometimes it’s easy to understand the concepts of investing, but the mechanics of ACTUALLY doing it are a bit tougher. Hopefully this post helps make it a bit easier. This being said, it’s hard to fit all the details in one insta post, so here are a few things to be mindful of: 1️⃣ Due to the 10 slide limit, I had to leave a few pages out. The one that I would like to call out is that before setting up auto-investments, you will have to make a purchase of the mutual fund first 2️⃣ If you are starting with smaller contributions, you will have to buy ETFs and will not be able to auto-invest with Vanguard. Just do it manually until you have enough to convert to a mutual fund! 3️⃣ The Roth vs traditional IRA decision is a whole different concept to dive into, which I cover on my page frequently 4️⃣ I have no allegiance to Vanguard, but I do like them as a company. Fidelity and Schwab could provide you a nearly identical service. 5️⃣ If you can’t invest a lot now, you can do this with VERY little. Investing takes TIME to be successful, so starting now with just a bit will still make a huge difference in the long term. Hope this is helpful - doing this and only this will literally single-handedly make you a millionaire (pretty good deal free if you ask me 🙂) - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide Have you set up an IRA with Vanguard?
I LOVE high yield savings accounts (HYSAs)! In fact, seeing the interest on a high yield savings account vs. a normal savings account was one of the first things that caught my eye and got me into personal finance. Everyone should have one! As much as I love them though, I do have to be honest with you. I see a ton of overhype on these accounts on Instagram, so I just want to set the record straight. Here is EXACTLY what high yield savings accounts should be used for: 1️⃣ Holding your emergency fund (3-6 months of living expenses) 2️⃣ Savings up for major purchases in the next 3-5 years and.... that’s it! The problem I see with people hyping up HYSAs online is that they give people this false illusion that they will make a ton of money on HYSAs and that they can hold all their money there. If you hold any money beyond money for the reasons listed above in an HYSA, you are LOSING MONEY in the long term! HYSA rates are even as high as 5% right now, but the stock market returned 25%+ last year. HYSAs feel “safe” because they have protection from the downside of the market. They also only capture a fraction of the compounding that the market will give you over the long term. HYSA rates WILL go down when inflation gets fully under control and the fed cuts the federal funds rate again. The stock market will continue to crush whatever the HYSA rate is long term. Please get an HYSA - it will help you earn way more than a traditional savings account. Please DON’T hold off investing because you feel like an HYSA will help you get rich. - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
It’s normal to have your relationship with money to change as you gain more financial freedom. I think these 7 levels do a good job of describing the different levels of financial security! One thing you may notice is that there is ZERO mention of age here. You could be born into abundant wealth and stay there your whole life or you could never even reach financial clarity after working for decades. Most of us, however, can move through these ranks as we get older and trade our human capital (our ability to work) for financial capital (money) and hopefully some accompanying financial knowledge. If you ever want to retire, you need to reach level 6. For some (if not most), this is all you ever need. I think dreaming about reaching abundant wealth is something all of us have done at some point, but the seldomly talked about part about reaching abundant wealth is that it usually requires working for WAY longer. If you give me the choice between working an extra 15-20 years to reach abundant wealth, or retiring and doing only work that I want to do and on my terms but stay at level 6, I’m choosing 6 all day. To me, having more freedom is more important than having more money than I need. I see money as a tool buy me time and freedom, not just a means to acquire more stuff. The good part is that anyone reading this has the ability to reach AT LEAST level 6. All it requires is making a plan and sticking to it! What level are you at right now? - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Follow @mattthemoneyguy for DAILY content like this 💸 There’s a LOT of noise on IG when it comes to personal finance. I see so much harmful advice that preys on people looking to get rich quick or improve their situation overnight. Not on this page though. I show you the tried and true methods to build wealth - learning how to budget, living below your means, and investing over a LONG period of time. That’s how most people who are rich got there, despite what social media might want you to believe. I don’t sell anything - I have NO reason to mislead anyone. I’ve learned a ton from some of the best finance professors in the world in my MBA, reading ungodly amounts about personal finance, and managing my own money and I’m trying to get that out into the world for FREE. If you want to see more content like this, give me a follow 🙂 - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
One of the BIGGEST deterrents for investing is when people hear about the bad years. While bad years DO happen, they aren’t anything to be worried about. When people want to start investing, one of the first things I tell them is that you should ONLY invest money that you don’t need for 5+ years. When we group returns in 5-year increments, the picture already looks a LOT better. Almost every 5 year period has positive returns! The stock market goes up ON AVERAGE, but it also has a lot of variability as it goes up. Any given year could be down, and despite what some people might try to convince you, no one knows when it’s going to go down or even when it will come back up. The best approach, which is backed by a TON of research and data, is to invest consistently over long periods of time. Even in periods where the stock market “stays flat”, consistently investing will lead to a lower cost basis that will still allow you to profit, and that doesn’t even take dividends into account. When you zoom out, investing gets a lot less scary. Setting it and forgetting over a LONG period of time is truly is the best strategy, so don’t let the bad years scare you away from starting in the first place! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Kids have an advantage that puts them ahead of EVERYONE else in terms of their investing potential, and that advantage is TIME! Granted, most children don’t have income, but that’s where responsible and forward looking parents come in 🙂 If you’re in a position to invest not only for your self, but for a child, you are doing fantastic. This isn’t a post necessarily saying this is what you *have* to do, but rather what you can do if you are able. When it comes to investing for kids, even a really small amount can put them way ahead. No one wants the stereotypical “trust fund kid,” but a kid who already has money working for them is going to have a LOT of opportunities. Higher education, more career flexibility and no money trauma are just a few of the benefits that a child who has money being invested for them can take advantage of. Each of the accounts listed here has a different purpose and a different set of benefits & restrictions. Use this as a starting point for a few of the more common accounts that you can take advantage of and research which one may fit best for you and your child’s situation! To me, a 529 that can help pay for some or all of a child’s college education (and have a portion rolled over to a Roth IRA if not used for education) is a GREAT starting point, but everyone’s views differ on that. Last but not least, don’t feel guilty if you are still getting your own personal finances together and don’t have the extra money to contribute to any of these! Just like oxygen masks on a plane, you have to get yours on before you help anyone else 🙂 - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
If you’re Mia and you’ve been investing for 20 years, you may think you’ll NEVER be a millionaire! 20 years feels like a long time, and while $284k is a TON of money, it’s not super close to a million... ...but that’s where you’re wrong! $284k isn’t very close to $1M nominally, but by TIME it’s way over half way! Compounding growth is the most powerful force in investing and it’s the reason for success of the best investors in history. Warren Buffet (CEO of Berkshire Hathaway) and Ray Dalio (manager of the world’s largest hedge fund), to name a few, have quoted compound interest as a driving force in their success. Big wins are NOT how the vast majority of rich people get rich. Sure, you may pick Tesla or Nvidia early on, but even many of the people who do don’t do as well long term as you’d think. It’s hard to time your buying AND selling at the exact right time. And even if you do, many people fail after due to their misplaced confidence in picking the next big thing. Investing in an index fund isn’t just an OK option for a typical investor, it’s THE BEST option over the long term. Decades and decades of data proves it. All you need to do is understand why and be consistent over a LONG period of time and you WILL be rich! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
I knew credit card debt is common, but these stats even shocked me as to the extent of it. This is a PROBLEM. Credit card debt falls into the category of things that make it HARD to get out of financial distress. It’s commonly said that being poor is expensive, and credit card debt is one of the main reasons for that. Let’s say your $100 short for the month. You get in a pinch and don’t know what to do, so the easiest option is to just put it on the credit card. The problem comes in the next month when you’re $100 short again. And the month after when you’re $100 short AGAIN. Now because you were short on your bills, you aren’t just $300 short after 3 months, your $300 short + CRAZY interest (often 20%+)!! As you can imagine, it usually doesn’t get better from there. Because you were short on your bills, you have to pay more and more money. Someone who had more money than you would have paid LESS than you for the exact same amount of stuff. Pretty tough system that punishes those who have the least. This is why I emphasize getting a buffer in your finances ASAP. It actually saves you money just to HAVE money. I don’t think cutting out tiny luxuries is the key to getting rich, but foregoing some comforts for a period of time to get a buffer is certainly worth it in my opinion. This isn’t to shame you if you’re a part of the group that is holding credit card debt, but rather to encourage you to focus on paying it off! That is step number 1 on the road to getting your personal finances together, and I promise you’ll be a lot less stressed if you focus on doing it! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
If you have credit card debt, there should be NO OTHER PRIORITY financially other than PAYING IT OFF! Clearing credit card debt is more important than investing and it’s even more important than an emergency fund. It IS an emergency! Think about it like this - if you have $10k of credit card debt at a 20%+ interest rate, every dollar invested in that is saving you money at an annualized rate of 20%+ (it’s like an investment return, but it’s actually avoiding losses). If someone gave you a 20% guaranteed investment return, you should take that IN A HEART BEAT. I think this example lays it out well in hard numbers - if you have $1,000 to use each month and you put it ALL towards your debt before you start investing, you’ll come out WAY ahead of someone who puts half of it towards debt and half of it towards investments. There is no use in investing if you have high interest debt, you’re simply not allocating your money efficiently if you’re doing so. See paying off your credit cards as an investment and continue putting that money towards assets after, you won’t regret being high interest debt free!! Assumptions: 19.99% credit card interest rate, 8% annualized returns on investments - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Being happy in life is SO much more than net worth. I even went back and forth on posting this data. But I frequently get the question “I have $XX at XX age, is that good?” so I wanted to post a distribution. Frankly, even with the distribution of wealth in different age groups, I can’t answer that question the question of “am I doing well?”. That’s because it really depends on what YOU want in life. A distribution can tell you roughly how you’re stacking up to your peers, but being behind or ahead of your age group doesn’t inherently mean anything good or bad, it’s just something that some people like to know. I always emphasize that wealth depends on your goals. If you want to retire early at 40 and travel for the rest of your life, you should probably aim to build wealth when you’re young. If you want balance in life and are okay working a job that you like until you’re older, maybe being “behind” your age group’s median net worth isn’t an issue. There is no right or wrong here. Personal finance is all about meeting your personal goals and nothing else. If someone else has tens of millions of dollars at your age, that doesn’t make you a failure. You could very well be happier than them if they’ve given up things that are important to them for that money. I personally find this data really interesting to look at, but I don’t spend too much time thinking about it. Maybe you’ll find it interesting too, but never forget, money is a TOOL not a GOAL! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
You might have to squint to find the difference in what Frank and Phil did here, but I promise the math checks out here - Frank invests for 10 years and OUTPERFORMS Phil who invests for 30 YEARS. How can this be the case? Well, it’s because of compounding growth! By the time Phil even STARTED investing in this scenario, Franks money had reached the point where the growth was outpacing Phil’s contributions. Once your money is making money for you, it’s like you have a whole other person working to get you rich - and you don’t have to do anything but wait. Sure, Phill did get to spend that extra $500 a month from age 25-35, there is certainly some utility in that. Frank on the other hand got to spend an extra $500 a month for 30 years AND retired with $200k+ more. If you’re reading this and kicking yourself because you’ve already lost your chance to be Frank, DON’T WORRY. Frank is way ahead of the curve, but so is Phil. What you really don’t want to be is the person who knows they should start investing, but puts it off another 10 years. It’s GREAT to start early if you can and the benefits will amaze you, but it’s not actually a contest between Frank and Phil, it’s a contest between you and yourself. Do the best you can and be mindful about your personal finances and you’ll be better off than if you try to ignore it altogether! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Follow @mattthemoneyguy for new content like this DAILY 💸 Another two weeks, another great set of conversations around topics like investing, inflation, home ownership, budgeting, and much much more! The more I get to know you all, the more excited I am to keep starting these discussions and keep helping bring more personal finance eduction to the world. Excited for the upcoming content that I’ve been working on for you all! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
HSAs have got to be one of the most slept on RETIREMENT accounts. And yeah, you read that right, they are retirement accounts! HSAs work a lot like other retirement accounts - you are allowed to invest money into them and get a huge tax benefit from the government, but you are subjected to some restrictions. HSAs benefits are that you don’t pay taxes on contributions, growth, or withdrawals - the ONLY account with this triple tax advantage. The restriction is that in order to get the full advantage, the money has to be used for qualified health expenses. While the qualifications are pretty loose, this is still what often scares people from using this account. That is a bit short sighted to me for 2 reasons: 1) Everyone will need to spend on healthcare at some point in their life, so you’re already going to be paying these expense in some capacity 2) If you don’t use it for health expenses, it can just turn into a retirement account! When you’re 65, you can withdraw the money and pay income tax on it, JUST LIKE A 401(k)! While 65 might sound late for a lot of you, I see it that this should be supplementary income. I wouldn’t bank on retiring with an HSA, but properly utilizing it can save you a lot on your healthcare expense and can also give you a great extra buffer on your retirement nest-egg. Not everyone is eligible for HSAs because you need to have a high-deductible health plan to have one, but if you do have one, I HIGHLY recommend learning about it so you can get the most from it! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Who wants some more money rules?!? While having simplistic rules is really nice psychologically, I want to emphasize that these are ROUGH guidelines! You can use these as a starting point for your research, but they shouldn’t be something you live or die by. One great example of this is the 2x savings. If you make $70k at age 35 and you have a net worth (combo of all your assets minus all your liabilities) of $140k, that’s awesome. But if you don’t, that is NO REASON to get down on yourself. There are many valid reasons that people get later starts towards building wealth, and a relatively arbitrary savings benchmark at age 35 will not determine your ability to retire comfortably. All that being said, I like to think these rules can be a good basis - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
We all know home prices have gotten CRAZY in the past few years, but it’s even crazier when you put it in the context of the median income. The ratio of median home sales price to median household income has gone from 3.5 to 5.8 over the past 40 years, an increase of 66% 😮 This is stating the obvious, but this means that less people nowadays can afford to buy a home. I fall in the camp that buying a home can be a great lifestyle choice if you choose to do so, but I don’t think you NEED to buy a home to build wealth. A home is an illiquid asset that will never really make you rich - you always need to live somewhere, so if you ever want to “cash out” on your home, you will either need to buy another home or rent. Either way, you’re paying to live somewhere. That being said, this graph is supporting evidence that real estate has been an asset class that has continued to appreciate over the past few decades, even more so than wage growth. Buying a home can be a good way to lock in cost of housing if you plan to stay in the same place for long period of time and can afford it. I wouldn’t, however, recommend forcing yourself into purchasing a home before you’re financially ready - being “house poor” (having most of your net worth tied up in your primary residence) is a real problem for a lot of Americans right now. No matter what you’re thoughts on purchasing a primary residence are, I think we can all agree the rising home cost versus income in this country is a problem. Unsustainable housing costs seem to be becoming a huge problem for everyone, and if it continues, buying a home won’t be attainable for the middle class in the coming years. - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
So cecils old winter wheels have now become the daily’s new wheels after finally getting new tyres fitted to them 😎👌🏼 #honda #hondacivic #aerodeck #civicaerodeck #hondacivicaerodeck #vtec #civicmb #sohcvtec #d16 #d16w4 #dseries #nighthawkblack #titansilvermetallic #wagon #longroofmafia #longroofsociety #advan #advanlivery #rota #rotawheels #rotawheelsuk #rotaslipstreams #whiterotaslipstreams #yokohama #yokohamaadvan #advanad08r #uniquewagon #hondahinkon #vti #vtis
Bbyy ♥️🔥 #ek3 #Vti #3stagevtec #hondacivic
Honda civic fn2 Onwer: @nik_fn2 • • • • • #honda #jdm #vtec #hondacivic #usdm #fk8 #dc5 #civicsi #egcity #slammed #stancenation #canibeat #japan #acura #loweredlifestyle #vti #hondaday #s2k #jdmgram #si #rsx #vossen #modifieddaily #stance #familiacivic #civicnation #stanceworks #love #like4like #airmadz
Ustedes son la luz que alumbra al mundo. Una ciudad que está en un monte no se puede esconder. Ni se enciende una lámpara para ponerla debajo de un cesto, sino sobre el candelero para que ilumine a todos en la casa. Mateo 5:14-15 PDT Nos vemos mañana luces 🔥❤️🔥 #VTI #VisionTeen
💯 Ein Muss für Familiencamper! 👨👩👧👦 Wer mit Kindern campt und viel Wert auf Unterhaltung, Animation, Meernähe und saubere Sanis legt, der sollte mindestens einmal beim beliebten Villagio Turistico Internazionale gewesen sein 🚐 🙌 Umgeben von schönen Seekiefern im Norden Italiens und nur wenige Schritte vom beliebten Urlaubsort Bibione entfernt, ist der rund 20 Hektar große Campingplatz Villaggio Turistico Internazionale ein wahrer Camping-Planet. Mit eigenem, feinen Sandstrand sowie einem riesigen Badeparadies für Groß und Klein wählen gerade Familiencamper die schöne Anlage immer wieder gern als Reiseziel ☺️ 🔜 Den beliebten Platz kannst du auf camping.info direkt online buchen. Alle Infos zum Platz am Meer findest du in unserer Story 🥰 #camping #campingurlaub #campingplatz #wohnmobil #wohnwagen #camper #zelt #campinginfo #wirsindcampen #italien #travel #adventure #campsite #campingtrip #urlaub #caravaning #campen #campinglife #bewertungen #campingitaly #campingintalien #italy #campinginitaly #campingbibione #campingvillagiointernazionale #vti #bezahltewerbung
🔊인덱스 펀드의 실질적 창시자, ‘존 보글’의 ETF를 배워볼까요? “모든 주식을 소유하라”⠀ ⠀ ⠀ 💡VTI⠀ ▶️글로벌 운영투자사 뱅가드의 전체 주식시장 지수추종 ETF⠀ ⠀ 📌섹터/ 산업⠀ MSCI 미국 대형주,중형주,소형주⠀ ⠀ 📌 구성종목⠀ 6.13% 마이크로소프트⠀ 4.94% 애플⠀ 4.21% 엔비디아⠀ 3.31% 아마존⠀ 2.1% 메타⠀ 등⠀ ⠀ 📌워렌버핏은 이렇게 말했습니다.⠀ ”존 보글은 미국 투자자들과 나의 영웅이다, ⠀ 투자자를 위해 가장 많은 일을 한 사람을 ⠀ 기리는 조각상이 세워진다면 ⠀ 그건 바로 존 보글의 것이어야 한다.”⠀ ⠀ ⠀ —————————————-⠀ 🧀배당치즈 opinion🧀⠀ ⠀ 2002년 6월, 월드컵 시즌 여러분은 몇 살이셨나요?⠀ 22년이 지난 2024년,⠀ 미국지수는 꾸준히 우상향을 ‘변치않고’⠀ 그리고 있습니다.⠀ ⠀ 한 번에 3,668개의 주식을 소유할 수 있는⠀ VTI⠀ ⠀ 이 상품을 월드컵 당시 ⠀ 100만원 구매했다면, 현재 800만원⠀ 500만원 구매했다면, 현재 약 4천만원⠀ 1만달러 구매해뒀다면, 현재 1억 942만원이 되었네요.⠀ ⠀ 저는 월드컵 때, ⠀ 붉은악마 춤추고 있었는데,,^^; ⠀ 그 당시 투자하고 놀았다면 더 아름다운 오늘을 맞이했을 겁니다.⠀ ⠀ 2024년에 VTI를 알았으니⠀ 2044년엔 800%이상의 수익률과 함께⠀ 춤추는 시간이 오게 만들어보자구요^^! ⠀ ⠀ ⠀ ——————————————-⠀ 💡 안정적인 현금흐름을 만들려면 지출의 우선순위를 바꿔야 한다.⠀ 💡 [부자들이 돈을 굴리는 시스템] ⠀ 소득을 바로 소비하지 않고 투자를 통해 얻는 돈을 소비하는 구조다. ⠀ ⠀ 🧀 배당으로 돈이 들어오는⠀ 🧀 @dividend_cheese⠀ 🧀 @dividend_cheese⠀ 🧀 @dividend_cheese⠀ ⠀ (참고문헌)⠀ Dividend Channel/ Google Finance/ The rich, App/ Tipranks/ SeekingAlpha⠀ *투자에 대한 선택과 책임은 본인에게 있으며, 원금손실에 가능성이 있습니다.⠀ *게시물은 이해를 돕기위한 예시일 수 있습니다.⠀
HUGELY common misunderstanding here - your tax refund is NOT an extra bump to your income! It’s simply the IRS giving you back taxes that were over-withheld throughout the year! If you’re a W2 employee who receives a steady paycheck from an employer, your employer is legally mandated to withhold taxes from your pay to give to the IRS. They estimate this based on your expected annual income, but they will rarely be 100% accurate. Working less than the full year, getting bonuses as part of your income, or having side-hustle income are all common occurrences that could throw off your estimated taxes. When you go to file taxes at the end of the year, they basically assess whether that withholding from your employer was too much or too little. If it’s too much, they give you back the money (with no interest, by the way), and if you paid too little, well, you better be ready to pay up. The goal should be to adjust your withholding to be AS CLOSE to the real taxes owed AS POSSIBLE! No one likes to pay extra when filing comes around. And while a refund might feel nice (like “extra income”), it’s actually money that should have already been in your pocket. You don’t have to be a CPA, but you should try your best to understand some basic tax concepts so you don’t get burned. This one is a common one that people don’t understand! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
For the love of all things personal finance, PLEASE take advantage of your employer 401(k) match! This is part of your compensation, so if you don’t take advantage of it, you’re literally giving yourself a pay cut. If you’re like Felix, you ignored it for your whole career and it cost you almost ONE MILLION DOLLARS. It seems small, I get it. If you make $70k and get a 4% match, that equates to your employer contributing $2,800 per year to your 401(k). It might sound small enough for you to ignore (although I think ignoring any free money is a bad idea...). But you know that thing we always talk about called “compound growth”? This is a GREAT example of that. That extra money your employer contributes each year will continue to grow and grow. Over the course of your working career, it can end up being A LOT. 401(k)s do have restrictions, but that is not a good reason to ignore them. There are SEVERAL ways to access the money in your 401(k) if you make so much money that you want to retire early. Maximize your dollars now and you will be rewarded down the line, I promise! Take your employer 401(k) (or 403(b)) match people. Don’t give yourself a voluntary pay cut! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Jim loves his job so much that he works from ages 22 to 72. Or maybe his side hustle funds his investment contributions in retirement. That’s not really the point of this post, I just wanted to show how crazy this can get over 50 years! The point of this post is the impact of FEES. And it’s not insane to look at a 50 year time frame - even when you retire, your financial advisor would be taking their annual fee. This looks at a 2% annual fee scenario - something that used to be SUPER common (and still is relatively common). 2% sounds like a reasonable fee until you see the impact over the long term. The thing with % based fees is that as your wealth grows, they sap more and more from you. Fees compound just like your investments do, but it’s not the type of compounding that we want to focus on. Financial advisors can be GREAT if you find one that takes a flat fee and gives you advice on how to improve your financial situation. You simply do not need to be paying your advisor a % of your portfolio each year, especially if its >0.5%. No one will ever care about your money more than you do. Learn the basics of investing and you will benefit from it more than any financial advisor could ever provide you! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
The story of Alan and Pete is a story that occurs ALL the time in real life. So many people who make a lot of money don’t put it to work! Alan got to spend on average $30k more than Pete per year, but Pete retired with TWICE as much in his retirement. I kept the values constant over time for simplicity, but you could adjust ALL of these numbers up over time with inflation. Did the extra $30k a year make Alan significantly happier, enough so that he would be happy with retiring with half as much? Maybe. I won’t pretend like there isn’t any reason to spend more in the moment. I just want people to realize the impact it could have down the line. The name of the game in personal finance is finding the plan that works for you. YOLOing all your money when you’re young is going to lead to a harder and longer work life, but saving every dollar will lead to unnecessary suffering. The point in between those two extremes that works for you is what you need to find! I personally spend ~$60k per year right now and greatly enjoy my life. Spending and incremental $30k might be nice, but I don’t value it more than the security I get from investing so much at a young age. My thoughts on this WILL change over time (as they do for everyone), but for now I’ve found a balance that works for me. It’s okay if you’re Alan or if you’re Pete, just make sure you’re consciously deciding who you want to be and not spending so much that you’ll regret it later! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
I LOVE high yield savings accounts (HYSAs)! In fact, seeing the interest on a high yield savings account vs. a normal savings account was one of the first things that caught my eye and got me into personal finance. Everyone should have one! As much as I love them though, I do have to be honest with you. I see a ton of overhype on these accounts on Instagram, so I just want to set the record straight. Here is EXACTLY what high yield savings accounts should be used for: 1️⃣ Holding your emergency fund (3-6 months of living expenses) 2️⃣ Savings up for major purchases in the next 3-5 years and.... that's it! The problem I see with people hyping up HYSAs online is that they give people this false illusion that they will make a ton of money on HYSAs and that they can hold all their money there. If you hold any money beyond money for the reasons listed above in an HYSA, you are LOSING MONEY in the long term! HYSA rates are even as high as 5% right now, but the stock market returned 25%+ last year. HYSAs feel "safe" because they have protection from the downside of the market. They also only capture a fraction of the compounding that the market will give you over the long term. HYSA rates WILL go down when inflation gets fully under control and the fed cuts the federal funds rate again. The stock market will continue to crush whatever the HYSA rate is long term. Please get an HYSA - it will help you earn way more than a traditional savings account. Please DON'T hold off investing because you feel like an HYSA will help you get rich. - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
🙂 #JuniorTravego SAHNEDE.. - - - - - -Hepsi ve Daha Fazlası İçin 👉👉 @ertugrul.yildiiz @servisgarage 📷 🔝 🔝 🔝 #dapper #canibeat #cambergang #dohc #vtec #vti #hondaday #air #airlift #jdm🔰 #jdmgram #etiket #minibüs #servisaracları #servis #etiket #anadoluyakasıetiketçileri #midibüs #okultaşıtı #mercedessprinter #sprinter #mercedes #ducato #jumper #fiat #citroen #ford #transit #ne #makyajlıservis
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Nouveau pommeau de vitesse de @greddyperformance . . . . . . . . . . . . . . . . . . . . #greddy #delsol #honda #hondadelsol #hondavti #vti #vtec #hondavtec #hondavti #delsolvtec #delsolvti #b16a2 #hondab16a2 #delsollife #delsolgang #delsolgroup #swissdelsol #delsolswiss #hondadelsolvtec
Merci bebou @dje_pictures pour la photo 🫶🏻🔥 #honda #hondadelsol #vti #vtec #hondapower #delsol #jdm #japancar #cargram #carphotography #carshow
- 四月份基本上也是一直放著，好棒棒的是茶茶阿姨領到季獎金啦🤩🤩 領到的瞬間也趕緊不定期不定額的投入在股市中(深怕自己花掉)🤣🤣 - 這一兩個月股市的動盪真的比較不穩，加上以伊戰爭跟美國經濟持續發熱，降息之路遙遙無期～所以影響了股市很多！🧐🧐茶茶阿姨資產變化非常少 - 茶茶這次的定期定額配置為： 台股 📍006208:6000元/月 📍00878:3000元/月 美股 📍VOO:160美元/月 📍VTI:160美元/月 📍QQQ:120美元/月 - 萬年台詞： 茶茶阿姨一直相信，人類文明經濟越來越進步，世界的科技跟社會也會持續進步，所以股市都是往上的，只是在往上的時候會遇到大起大落。 祝福各位在投資的路上，穩定致富！朝著自己想要的理想大地持續前進！！ #投資 #定期定額 #理財 #富邦台50 #006208 #00878 #投資心法 #小資理財 #fire運動 #提早退休 #財務自由 #茶茶阿姨理財中 #美股投資 #voo #vti #qqq #etf
𝐆𝐞𝐭 𝐜𝐞𝐫𝐭𝐢𝐟𝐢𝐞𝐝 & 𝐛𝐨𝐨𝐬𝐭 𝐲𝐨𝐮𝐫 𝐜𝐚𝐫𝐞𝐞𝐫 𝐰𝐢𝐭𝐡 𝐕𝐞𝐥𝐨𝐬𝐢! Velosi is conducting online training for Certified Process Design Professionals/Experts (CPDP/CPDE). This certification is structured in two levels, testing the fundamentals of Process Design Engineering. It provides the participants with the skills and knowledge of current trends in process layout and process design calculations. 𝐋𝐞𝐚𝐫𝐧 𝐌𝐨𝐫𝐞 & 𝐑𝐞𝐠𝐢𝐬𝐭𝐞𝐫: https://velosiaims.com/product/certified-process-design-professional-expert-cpdp-cpde/ #design #training #engineering #cpdp #cpde #vti #uae #certification #adnoc #certnexus #actvet #cpd #mobius #trainers #dxb #abudhabi
Curb your enthusiasm… more like curb your $2000 set of Rays ce28s. Rip. . . . . #ek #ekhatch #ekcivic #ek3 #vtec #vtecclub #civic #vti #civicvti #rayswheels #sohcvtec #nightcarphotography #ek9 #ek4 #hondacivic #civichatchback #kanjo #kanjoracer #kanjostyle #jdm
Hand Tufted Carpets crafted with intricate designs and plush texture. Enhances the aesthetic appeal of any room while providing warmth and comfort underfoot. #HandTuftedRugs #HandcraftedCarpets #LuxuryCarpets #DecorativeRugs #RugsManufacturer #CarpetSupplier #BulkOrders #VTI #B2BPortal #lifeaboveb2bportal 𝗖𝗮𝗹𝗹 𝗢𝗿 𝗩𝗶𝘀𝗶𝘁 𝗨𝘀 𝗧𝗼 𝗚𝗲𝘁 𝗥𝗲𝗮𝗱𝘆 𝗕𝘂𝘆𝗲𝗿𝘀: 📱 +91- 9821992479 🌐 https://visiontradeindia.com 𝐅𝐨𝐥𝐥𝐨𝐰 - https://www.instagram.com/visiontradeindia/ 𝐋𝐢𝐧𝐤𝐞𝐝𝐢𝐧 - https://www.linkedin.com/company/vision-trade-india/ 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐑𝐞𝐯𝐢𝐞𝐰 - https://www.youtube.com/channel/UCkdCIkJHsD5lNa0iS_EGyR
Taxes have GOT to be one of the most misunderstood topics in personal finance, and for GOOD reason (they can be hard to understand!!). The key part to understand is what a “marginal” tax rate means. Marginal taxes are taxes that apply to a SPECIFC part of your income. If you have ever heard the phrase “I’m being bumped into the next tax bracket,” it DOES NOT MEAN that ALL of your income will be taxed at a higher rate. ONLY that the incremental dollars you make will get taxed at a higher rate. I can’t emphasize this enough that you will never take home less money by making more money (except in a circumstance where you lose government benefits, which only occurs in lower income levels and is a problem that needs to be fixed). In this example, the example income is $125k. The highest tax bracket is 24%, but only ~$10k is being taxed at that rate. The rest of the income is being taxed at a lower rate, which makes the average effective tax rate ~16%. Want to save money on taxes? Your options as a W2 employee are relatively limited, but contributing to a traditional 401(k) would save you money on your HIGHEST marginal rate, so if you made $125k and took the standard deduction, contributing $1 to a traditional 401(k) would save you $0.24 on taxes this year. Like I said, this can be a bit confusing at first, but it is WELL worth it to understand. You’ll always be paying taxes! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Înjură el mașina, dar îi place 😆. #cazanlife #eg6 #vti #b16a2
After the oil pump it was time for the new oem 50 degree rbc vtc gear and fresh oem timing chain, guides and tensioner 💯✅️ #honda #civic #hondacivic #civicmb6 #mb6 #vtec #vti #k24a #jdmgram #allmotor #kseries #jdm #yokohama #carphotography #dragcartel #tegiwa #shoot #kseriesonly #vtecclub #vtec__society #hondaworldwide #kseries #civichatchback #hatchback #kanjo #civicnation #kanjozoku #bseries #bseriesonly #recaro
Del sol is so beautiful on this photo 🤩 My model is my co-driver and my co-driver is my model 🥹... P. S. I fall in love for my new phone camera 😍😍😍 #honda #hondacivic #hondacivic5gen #car #tuning #delsol #delsollife #bankai #b16a2 #vti #delsolsquad #delsolnation #streetcar #dog #cardog #cargirl #whitedelsol #codriver
Díky mami 😂 #hroch #musisvelapapat #vti #vtipnyobrazek #sranda
Daha Fazlası İçin 👉 @civiclubturkey💯🔰🇹🇷 Satılık 2. El Araçlar İçin 👉 @otonukesfet ✅ ———————————————————————— #civiclubturkey #honda #civic #vtec #modifiyeclub #makas #ek9 #jdm #vti #like #mugen #typer #usdm #follow #car #oem #service #turkey #cars #love #like4like #parlak #otoaksesuar #jant #modifiye #basık #hondalove #stance #oem
米国ETF、個人投資家に人気なのは？ 先週1週間の「保有残高」（持ってる量）でランキング。 10位のSPXLに代わってEDVがランクインしてます。 ①VOO ②VTI ③VYM ④VT ⑤QQQ ⑥SPYD ⑦SOXL ⑧HDV ⑨TMF ⑩EDV ネット証券のSBI証券のデータです。 各ETFに基準価額の前週比も加えてます。 #投資 #ETF #米国ETF #保有残高 #SBI #個人投資家 #人気 #VOO #VTI #QQQ #VT #SPYD #VYM #SPXL #SOXL #HDV #VIG #fire #安定運用 #資産運用 #お金増やしたい #お金貯めたい #お金貯まらない #分配金利回り #ETF何がいい #ETFなに選ぶ #ETF何が人気 #ETFどれがいい #ETFどれ選ぶ #AMONEY
Bryce and the boys were out at Port of Brisbane yesterday with the #vermeer #40x55dr #drilling #vac #vti #cca #civilcommsaustralia #comeworkwithus #hiringnow #teamworkmakesthedreamwork #hdd #boom
Early mortgage payoff is a CLASSIC example of allocating your money efficiently, and despite what some people say, there is NOT a right answer here. Paying off your mortgage early can be seen as a guaranteed return equal to that of your mortgage rate, meaning you SAVE the interest you would have paid if you didn't pay off your mortgage early. So if your mortgage has a 4% rate, you save that 4% by paying down the loan early. If your mortgage is lower than a high yield savings account (or any other relatively guaranteed fixed income like t-bills), it DOESN'T make sense to pay the mortgage early. You could keep the extra cash in a savings account (at say 5%) and then profit by making extra on your savings and then paying the loan on time. This is increasing your guaranteed return. As the interest rate on your mortgage gets higher, the decision is less straight forward. We always talk about how the stock market can get 7-8% real returns over a long period of time, but in any given year, that isn't guaranteed. If your interest rate on your mortgage is 5-8%, you may choose to invest your money in the market instead. While you could make a decent return if the stock market does well, over shorter time periods, you don't know what will happen. Your risk tolerance will determine if this is worth it. Finally, if you have a high interest mortgage at 8%+ (not as common nowadays), you should FOR SURE pay it off early (or refinance to a lower rate). Any good investor would take a guaranteed 8% return in a heartbeat, and your decision should be no different. The ranges here are my opinion, and your exact ranges and decision processes may be different, but this is a good framework to begin thinking about your decision! - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Do you understand the underlying assets to your investments??? People want to make money investing, but you need to first understand the basics of some of the most common asset classes: stocks and bonds. Fundamentally, these assets are actually quite simple. When you buy a stock, you are buying a piece of a company. That means that your share will (in theory) fluctuate depending on how well the company does, you may be entitled to direct payments of the companies profits, and sometimes you may even be able to vote for big decisions the company needs to make. When you buy a bond, you are lending your money to an institution. This could mean a company, but it could also be a government or another type of establishment. You are lending them money with the expectation that they will pay you premiums on that money for getting the loan. The premiums that you are paid will usually be higher if the loan is risky, and lower when the loan is safe (like when loan the U.S. government money). Understand your assets and you will understand why you are buying what you are buying! - - #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide
Time is your biggest ally when you’re investing, hands down! It’s hard for me to stay silent when young people say they aren’t worried about investing now because they will make a lot more money when they are older. While this may be true to some extent, it completely fails to take into account how powerful a dollar invested when you’re young is. Let’s say you’re 25 and can put away $500 a month (which would be extremely good). To match that amount when you’re 65, you would have to be putting away $12k/month or $144k/year. The income required to be able to match that $500/mo from age 25 would be several hundred thousand per year, which the vast majority of people will never reach at any point in their lives. I think it’s better to plan like you won’t make more money when you’re older, and if you do then even better! By the way, these numbers assume an 8% return, which is a conservative assumption for the REAL return of major index funds. That means that 24.27 dollars in 40 years for each dollar invested now is adjusted for inflation, so that’s real dollars in your pocket :) - Matt #MatttheMoneyGuy #investing #investingtips101 #investingmoney #wealthcreator #personalfinancetips #investing101 #investingstrategy #moneyadvice #moneytime #personalfinancetips #retirementplanning #retirementgoals #getrichordietryin #richwomen #richmen #stockinvesting #stockmarketinvestor #personalfinanceclub #retireearly #financialindependenceretireearly #bogle #indexfunds #vti #401k #rothira #debtfreegoals #debtisdumb #investingguide