If you listen to Dave Ramsey, you’re either a boomer or a masochist.

I never claimed to have the answers to everything or for everyone.

Most people can’t afford to invest.

Most people will never be millionaires.

Most people will never retire.

If you’re lucky enough to be in a position to do any of this, don’t waste it.

The Biden administration has forgiven another $7.3 billion in student loans today for 277K borrowers.

These individuals who have been paying their loans for 10+ years & had already paid back what they borrowed. However the predatory interest had accumulated so fast they…

If you’re going to help out family members financially, do it without strings attached.

Do it if you can afford to never see that money again.

Do it without resentment or expectation.

Do it with a full heart.

Otherwise don’t bother. It’ll only cause chaos.

I’m gonna call BS on this one. Most people keep working because they can’t afford to retire.

America has successfully commodified every aspect of our lives that used to be free.

You’re lacking social interaction so you hire a therapist.

Cities aren’t walkable so you pay for a gym to walk on a treadmill.

You’re inside on a computer all day so you buy an LED lamp…

Even taking Oliver to the vet is less stressful in Portugal. Scheduled his dental cleaning the week prior and it only cost $100!

In San Diego this would’ve cost around $1,000.

Wanting what you already have is a massively underrated mindset.

It’s great to have goals but constantly moving the goalpost can lead to a lot of regret when you’re older.

Learn to appreciate what you’ve already accomplished and make sure you always prioritize relationships…

A relationship can easily derail your dreams. My biggest achievements have happened when I was single.

When I decided to move to Portugal I opted out of dating for two years because I didn’t want anyone distracting me from my goal.

Embrace your single good and go after BIG…

Things I did that did not make me a millionaire:

❌ Buying a used car
❌ Home-cooked meals
❌ Shopping less
❌ Travel hacking
❌ Paying off all debt

What did make me a millionaire?
✅ My income.

Stop trying to convince people that frugality is how you build wealth.

My latest rabbit hole is following a family who got a pet octopus as their first pet. The octopus unexpectedly laid eggs which are now hatching. This is extremely rare!!

The dad has spent thousands of dollars and has essentially become an amateur marine biologist to house more…

Your education is over when you say it’s over.

It’s never too late to learn something new, pick up a hobby, start another career, get a tattoo, learn how to invest, overcome money trauma, make new friends.

If you need to take out a 401K loan to make a down payment, you probably can’t afford that home.

Draining your retirement account isn’t the answer to most of your financial needs.

When you invest $100,000, you own assets that appreciate $10,000 a year over the long term.

When you save $100,000, you own a depreciation asset that’s losing $3,000 a year in value.

Don’t ever listen to realtors who refuse to negotiate on your behalf.

I was considering making an offer on a property in Portugal and told my agent that I wanted to offer €50K below asking. He insisted that I should offer full asking price. I decided to pass on the property.…

On average women in the US between 55 and 64 years old have $88,000 in retirement savings.

Men have about $136,000 by that age.

The average social security check is $1767 a month.

This is why I say that investing is both a privilege and a necessity.

There’s a retirement crisis in America. People are not saving or investing at all for several reasons & are retiring into poverty.

Saying that $500k or $1 million isn’t that much money is completely tone deaf. It may not be enough FOR YOU but it will be a life line for many.