Did you get a raise at the end of 2025? If you did avoid “lifestyle creep”. Just because your income increased doesn’t mean your expenses do as well. If you got 3% raise, increase your 401k contribution by 1% and use the other 2% to fund a Roth IRA, HSA, or brokerage account.

Automated index fund investing: set it, fund it, forget it. 📈 Low fees. Broad diversification. Long-term growth. Consistency beats timing—every time.

VOO from Vanguard delivers low fees, S&P 500 exposure, and long-term growth potential 📈. $VOO lets you own America’s biggest companies while the magic of compounding does its thing. #Investing #ETF #Vanguard

I fully supported our strike on Iranian nuclear facilities last year. Build on this momentum if further kinetic actions are necessary. These brave protesters deserve our full support to break this brutal regime.

$AIS ETF Easy way to play the AI wave with holdings like NVIDIA, AMD, TSMC, Intel, Micron & SK hynix. Actively managed, focused on the AI supercycle. The expense ratio is 0.75%, so higher than an index but if you don’t want to try and pick winners yourself check this one out .

Massive layoffs announced by UPS and Amazon. A reminder to get your financial house in order: - Emergency fund with 3-6 months expenses - No bad debt (basically anything but a mortgage. - If retirement accounts are funded then invest regularly in a taxable brokerage account

If you have credit card don’t fall into the trap of just paying the minimum payment. It will take you YEARS to pay off. Start with your highest interest rate and pay as much as you can each month. Once that card is paid off move on to the next one. Simple and efficient.

Paying off credit card debt? ❄️ Snowball: pay smallest balance first = quick wins, big motivation 🏔️ Avalanche: pay highest interest first = saves the most money Math favors avalanche. Psychology favors snowball. The best method? The one you’ll actually stick to.

On a 30-yr mortgage, extra payments = faster payoff: ⬇️ $300k loan at 6.5%: • 1 extra payment/yr → paid off in ~25 yrs (~5 yrs saved) • 2 extra payments/yr → paid off in ~21–22 yrs (~8–9 yrs saved) With rates higher than a few years ago this is making more and more sense

High earners locked out of Roth IRAs still have a move: the Backdoor Roth. Contribute to a Traditional IRA → convert to Roth → future growth tax-free. Just watch the pro-rata rule. If you have other pre-tax IRAs part of the conversion is taxable.

If you’re just starting to invest, you don’t need anything fancy. Open an account at Fidelity, Vanguard, or Schwab. 1. Roth IRA if you’re under the income limit 2. Taxable brokerage when you’re over the limit 3. Invest regularly in a low cost index fund. Time does the rest.

SCHD gives you one-stop access to high-quality dividend machines 🇺🇸 Top holdings include Lockheed Martin, Texas Instruments, Chevron, Merck, Coca-Cola, PepsiCo, Verizon and more. A diversified basket of profitable, cash-generating companies — built for income + longevity

Your biggest investing edge isn’t stock picking — it’s when and how much. you invest. In your high-earning years, the % matters way more. Example 👇 • $60k income, save 10% = $6k/yr • $150k income, save 25% = $37.5k/yr That’s over 6X more capital working for you.

New to investing? Start here 👇 1️⃣ Put money in your 401(k) up to the company match (that’s free money) 2️⃣ Choose a Roth 401(k) if your job offers it 3️⃣ Then open and fund a Roth IRA Simple steps. Big long-term payoff.

Frugality does not equal cheap. Being frugal means focusing on quality over quantity and consumerism. Be thoughtful about how spend your money, save regularly, and focus on what is most important to you.

Term life insurance is the simplest, easiest type of coverage. You pay a fixed premium for a set period. If you die your family gets the full payout. No confusing investment components. No hidden fees. Just protection. Low cost. High coverage. Peace of mind. That’s it.