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Having a 900k mortgage (w/ a 6,500/mo payment on a 12k/mo income)... with 700k saved for retirement is back-ass backwards. You only have your kids for a short time... Screw having a 7-figure retirement acct. at 36... Instead, pay the mortgage down, have a 2,000/month

I have a friend like this too. Risk-averse too. My advice to him... after he's thrown out different ideas for years & hasn't done anything... "Go find a job you enjoy going to" and leave it at that. Trying to push people like this into 'starting a business' is a bad idea.

Someone asked me recently how to think differently about money & how to stop worrying about running out of money everyday This is how I 're-trained myself' as someone who grew up in a big family, has to pay for everything, has 4 kids etc. 1 --- You have to choose to make more

My wife is a SAHM of 4 kids + trad wife stuff is made up She doesn't walk around in sundresses + makeup because: - She is on the PTA - She's on a separate pre-school board - Runs the cheerleading program for 5 grades - Volunteers at church - In multiple mom/social groups -

The best argument to spend your money now on your spouse & kids vs. saving for when you're dead. They'll remember everything while you'll alive... the experiences you create with them... Vs. giving them a check at your funeral

Actions that instantly tell you everything about someone: 1. Reclining your seat on an airplane 2. Treatment of waitstaff 3. How/what you order at a restaurant & changes 4. Leaving your shopping cart in middle of lot 5. Asking for a manager for minor issues w/ a line behind

TIL there are husbands who do nothing for their wives on Mothers Day because "she isn't my mother." Who thinks like this? No wonder the birth rate is declining.

Favorite movies in no order - Remember the Titans (2003) - The Shining (1980) - Dark Knight (2008) - Dirty Dozen (1967) - Sandlot (1994) - Ten Commandments (1956) - Gladiator (2000) - Social Network (2012) - Godfather (1972) - Singing in the Rain (1952) Theaters died in 2000s

Age 22 is the perfect time to do something like this. Daughters Pre-K teacher told me her daughter just graduated college & moving to Manhattan. I said "that's the perfect time to do that..." Spend your 20s grinding it out, in a new city, save some money + find a spouse.

Dating apps are like applying for jobs on Monster .com They attract the laziest people who aren't willing to put in the work, or do the hard stuff If you can't find a job right now... how many Directors of XYZ position have you cold called or emailed? If you can't find a

This is groundbreaking for Americans, but commonplace in most other countries. Millennials will be the ones to restart the chain & importance of the 'extended family' community. So many millennials don't have that We've told our (young) kids already when they have kids,

When you have kids... Buy a bigger house than you can afford Especially... And this is most important... If it's to get into a great n'hood & school district. Throw the excel sheet away at that point. Do not buy a dump on the outskirts b/c the "ROI on your $" is better

Elon will stick with unprofitable ventures for years before they become successful/fail Him giving up after 5 months to stop government inefficiency means you should be more bullish on gold & Bitcoin than ever

I'm telling you from experience... once you hit around 300k/yr, your life doesn't get "more happy" grinding to "millions" - Make ~300k+ - Have a lot of kids you go to recitals for, coach etc - Date your wife - Make new friends - Live in a great area/community - Keep trying new

This is typical of performative people She gets all she needs from a prestigious MIT for 4+ years, then tears the school down as she leaves Same with people who benefit from America and say "America is awful" Or people who say "stand on your own two feet" then get upset

You spend extra to live in a great community for stuff like this We had an impromptu pool party earlier this afternoon with 7 families & and there's nothing like it Spend more than you're comfortable with when you find an awesome area to live in