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Time to Retire Early at 50!
I've never seen people retire early. Let alone successfully. Where I'm from most work until their body give out. I won't. I'm out at 50.
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Tracking our Investment Portfolio from Zero to $4 Million
When it comes to building an investment portfolio, start where you are. Better yet, start right now.
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How to Secure a Brighter Financial Future in 2025
Coming off of 2020-2021 with $200k net worth increases year over year, the market slowed drastically for 2022 and 2023. We're Tracking Still Growth over Losses.
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The Election is Over, Setting Our $8M Wealth Goal for 2032
Finally no more election shenanigans, time to get back to building wealth again. Another added benefit of post-November, we can kiss the $12 billion election ad campaigns goodbye. It’s time for the Shen Yu ads to run through February 2025. Seriously, those election ads cost an estimated $12 billion. This is a hint for anyone who wants to pursue a political media, analyst, or strategist career. They get paid a median of $175,000 plus. That’s neither here nor there. For my household, it’s time to plan. In the shadow of election tension during Obama’s second term (2016), we realized that Investing (Not Policy) was our best bet toward financial freedom.…
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How will you invest in 2025. Could S&P 500 soar to +7,400?
Below are the newest 2025 stock market S&P 500 price forecasts, ranging from 6,400 to 7,000. This implies a return of +5% or +15% from the December 5, 2024, adjusted close of 6,075. We pulled through the cocaine bear market low (of 3,577 in October 2022). Clawed back victory on the back of 2023. Thank God, we survived the US Elections of 2024. We are now riding the irrational fumes of a Dark MAGA Bull Cycle. To make matters worse, Sports betting and Bitcoins are in vogue. Beware the finance bros with less than 0.00244 Bitcoin (BTC). They are up 40% and are over the moon for +$400 gains (pre-tax).…
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The Best Quotes from the Vanguard Founder, John C. Bogle
John Bogle revolutionized the investing world—becoming the king of the "Index-and-Chill" movement with the creation of the Vanguard ETF. A powerful way to invest for your future.
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How to Create $7k in Passive Income Quarterly – Q3 2024 Recap
Tracking TNFG’s QTR 3 2024 Passive Income Progress The third quarter numbers are in, a run-of-the-mill $7k month. The glory days of $20,000 quarters from 2020 are long gone. Relatively, I’m grateful for our +$6,000 average. My goal is to bring that up to an average of $10,000 monthly by 2027. Unfortunately, prices are up on our business expenses, and dividend yields are down. In positive news, Federal interest rates are easing to 2 percent. Times are harder. Reflected in the election results, the average American household lives check to check. As the new federal administration takes shape, the future is 50/50. There are fears that tariffs will drive up…
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Here are the Latest 401k, IRA, HSA, and Other Contribution Limits for 2025
One of the best ways to become an automatic millionaire in your lifetime. Don't skip on the contributions. And pay attention to the SECURE Act 2.0 changes.
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How We are Paying Down Our Debt Since 2019
It’s time to pay down the debt that we picked up. As always we are tracking this via an Excel sheet with validation from the Empower app. The app is FREE. It used to be known as Personal Capital. When it comes to wealth-building, half of the equation requires that you pick up assets. The other half requires that you pay off liabilities. Every month, we track our net worth. This includes two mortgages, one auto loan, and credit card debt. We also track your investments via the link, if you click on the photo below. For me, it’s therapeutic and helps keep my mind sharper. Most people run away…
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2024 Economic State of Hispanic Americans and its Long-Term Effects on Latino Wealth
Hispanic Americans have experienced notable financial growth over the past decades, with median wealth increasing from $10,000 in 1989 to $62,000 in 2022. This positive trend includes significant gains in equities and real estate post-pandemic. Despite challenges like high student debt and uneven homeownership rates, projections suggest Hispanic household wealth might become the second highest by 2050. Nonetheless, economic disparities remain, highlighting the need for strategic financial planning and education.
