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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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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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Massive Trump Win. What’s next for the most pro-stock market administration?
The Trump 2.0 economy is experiencing significant growth, with the stock market reaching new heights following Trump's election. Pro-business policies, tax reform prospects, and retail investor enthusiasm drive this rise. Despite potential risks from tariffs and inflation, there is optimism for strong returns in the coming years, underscoring the importance of personal financial planning.
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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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Stock Market to Perform better after the Fed Rate Cuts?
Since 2019, the stock market has performed exceptionally, with a 95% gain or an average of 19% annually by 2024. Despite prior downturns, economists predict a new bull supercycle, offering investment opportunities. Staying aware of market trends and adopting a smart investment strategy is crucial for wealth growth amidst economic volatility.
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Where’s Your Money Going? How to Track Your Expenses.
According to a 2024 Debt.com survey, nearly 94 percent of households noted that they have a budget. And yet, Americans are struggling with their expenses. With higher-than-average inflation, low wages, and high revolving consumer debt, it’s time to modify your behavior. Tracking and managing your expenses is the difference between barely making it and becoming wealthy. As you may know, the TNFG household reviews our expenses monthly or as often as needed. It’s a great opportunity to make cash flow changes instead of unexpected changes. Life happens. I repeat Negative Financial challenges will happen just as often as Positive ones. Know that they are coming and learn to adapt and…
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Here’s the Solution to The $4 Million American Dream
Based on the last 12 months’ CPI number, the American Dream costs over $4 million. A recent analysis estimated the median cost for a family of four to live the Dream in each state was $156,666 annually. A number that seems to be rising at least 4%-5% year over year. All of this is at a time when 80% of millennials and Gen-Zers think it’s impossible to attain. As of August 2024, the median savings account balance in the United States was $8,000. Inversely, the average credit card balance for QTR 2 was $6,329 per consumer. Folks are going broke while arguing which multi-millionaire should be elected. Just 41% are…
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How to Multiply $100k Worth of Opportunities Using the Net Max Financial Plan
Reaching a total investment portfolio of $1M and now it's time to draft, plan and multiply $100k worth of opportunities.
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4 Tips on How to Beat Inflation. Stock Market Performance Between 2020 and 2024
As of April 2024, the stock market was down 5% and inflation is still up 3.4%. Although the market recovered since, day-to-day life has become unaffordable for most Americans. In 2024, money isn’t cheap anymore; proving that financial illiteracy is expensive. At this rate, your knowledge or financial awareness equals your family’s future purchasing power. If you want to compete in modern times, it’s now mandatory to invest. Investing $100 in the S&P 500 at the beginning of 2020, you would have about $145.67 at the end of 2023, assuming you reinvested all dividends. This is a return on investment of nearly 46% percent, or an annualized average return of 10.8% per year. But that’s…
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How We Made $5k+ in Passive Income for Q2 2024
The second quarter of 2024 was tight. High prices raged on and it's likely that the passive income economy dragged down. With price inflation up, some goals might not materialize this year but we will likely still land in the positive. Nearly $7k in gross passive income is still income.
