TJ
@MillionsWithMe
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| 26 | Documenting my journey to financial freedom. Current portfolio value: $103k 💸
Joined October 2023
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Pinned Tweet
Anyone else get tempted to quit your job, move to Alaska, buy a plot of land and build a log cabin?
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My girlfriend just told me she has an 860 credit score
I didnt believe her so she showed me this….
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My boss sold his company for $40M and still drives a 2012 Honda Accord.
I asked him why, and he said he enjoys showing up to meetings where people flaunt their fancy cars, knowing he has more money while driving a humble ride.
Now that’s a power move.
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I changed my own oil for the first ever time recently.
Cost breakdown:
-Oil: $35
-Oil filter: $10
Total: $45
Took about two hours.
My local oil change place charges $80 and finishes in 15 minutes.
Is DIY oil changing worth it? 🤔
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Call me crazy, but I prefer working a 9-5 over the stress of running a business.
My low stress office job allows me to invest a significant portion of my income while maintaining a healthy work-life balance.
Whats up with the obsession of being a business owner?
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I'm starting to realize that homeownership in my 20s/30s is something society pushes, but I don’t really need.
Why not just rent, invest the savings, and focus on owning when I’ve built more wealth?
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This is my plan to retire a multimillionaire by the age 55.
Invest $2,000 a month into low cost index funds.
Then live off the dividends and enjoy life 😎
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@Invested_In_You
@indexnforgetit
Probably to avoid the people that will be coming out of the woodwork to talk to her
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Hot take:
Making $100K from a 9-5 is better than making $200k from a business.
The added stress, uncertainty and responsibility from being a business owner is not worth the extra income.
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My brake pads started squealing yesterday.
The dealership quoted me $600 for new pads + replacement.
AutoZone had the brake pads for $70.
I bought the pads, watched a YouTube video, and changed them myself.
I saved hundreds of dollars and learned something new 💪😎
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My 34-year-old sister, married with three kids, has a $1.4M investment portfolio and is completely debt-free.
She only buys used toys for her kids, and family trips are rare because she wants to retire by 45.
Is she being selfish or is this the path to financial freedom?
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Has anyone ever regretted the amount of money they spent on their wedding?
I will be getting married soonish and the idea of spending $20k+ hurts to think about.
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Unpopular opinion: Remote work is overrated.
In-person interaction and collaboration is very important.
A hybrid schedule is the way to go.
Agree or disagree?
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My friend recently graduated from college and landed a job with an annual salary of about $50,000.
One of his first major decisions was to finance a 2020 Ford Mustang GT on a 72-month loan with a 12% interest rate.
As a friend, should I express concern or stay out of it?
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Call me crazy but id take a $100k remote mouse jiggler job over a business owner that brings home $200k a year.
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My goal is to retire by the age of 50.
Do you think it's worth making sacrifices in your 20s and 30s to retire early?
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Am I saving too much for retirement at 25?
- No debt
- No house
- 6-month emergency fund in a HYSA
- $45k in retirement accounts, $50k in a brokerage
- Every extra dollar I have goes to long-term investments
Is this overkill, or am I setting myself up for a strong future?
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I’m 25 years old with a $90k investment portfolio.
Some people assume I have a high-paying job to achieve this, but I don’t.
I’ve invested >50% of my salary for the past two years.
I’m determined to achieve financial freedom and willing to make sacrifices now to get there.
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I'm 25 years old and have a net worth of $100k.
However:
- I rarely travel
- I'm not married
- I live a frugal lifestyle
- I have a repetitive job
- My social life is limited
I've realized that I need to work on balancing success with living life, or I might regret my choices.
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Why do the cheapest customers always cause the most headaches?
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Hot take:
Having a child without being financially stable is irresponsible and unfair.
It’s not right to put your child in a position where they will likely have to support you in the future because you didn’t plan or save for retirement.
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If I never added another dollar to my $76,000 investment portfolio, it would grow to over $1,200,000 by the time I'm 60.
This is the power of compound interest.
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My net worth by age:
21: $0
22: $-10k
23: $-15k
24: $20k
25: $100k
Don't get discouraged over a slow start, things can turn around quickly.
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Checking account: $350
Investment portfolio: $100,000+
Why don’t more people understand this?
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Here is my simple plan as a 25 year old to become a millionaire by 40.
The idea that index funds are for preserving wealth and not for accumulating wealth is laughable.
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At what age do you think it is realistic to have $100,000 invested in the stock market?
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Here’s how my net worth is allocated at 25 years old:
Roast me 👇
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My girlfriend thinks im crazy because I use a new towel everyday when I shower.
Is she right or is she nasty?
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One of my proudest achievements is growing my stock portfolio from $0 to nearly $80k in about 3 years.
$100k coming this year 💪
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Your first $100k invested should be in index funds.
Agree or disagree?
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Stock portfolio up big on the week!
Decided to take the lady out for a nice steak dinner last night.
Cheers 🍻
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For the past year, I’ve been focused on hitting a $100k investment portfolio.
Now that I’m close, I’m worried I won’t feel as fulfilled as I thought.
Have you ever chased a financial goal, only to feel underwhelmed once you reached it?
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The longer I invest the more I realize index funds are the way to go
Do you agree?
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I majored in accounting in college because, honestly, I didn’t know what I wanted to do, so I just picked something.
I finished my degree, got my diploma, and landed a steady job.
Am I passionate about accounting? Not at all.
But I am passionate about achieving financial
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If your portfolio looks like this,
you should probably just buy $VT, delete the app and come back in 20 years.
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If I have $50k in a brokerage account, do I really need a separate cash emergency fund?
Wouldn't it make sense to just tap into my investments if an emergency comes up?
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I started investing in Dec 2021, spent nearly 2 years in the red. Stayed committed, kept investing, and now, over 3 years later, my patience is rewarded—portfolio's finally in the green!
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My retirement goal: $5M at age 50 with a paid off home 🏠
I am currently 25, do you think this will be enough in 25 years?
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What car do you see in traffic and say, “they must be broke”?
For me its a Dodge Charger
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My girlfriend makes me close the toilet lid immediately after flushing so that “poo particles” don’t go everywhere…
Is she crazy or is this a thing?
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I have maxed out my Roth IRA 3 times so far:
2022 ✅
2023 ✅
2024 ✅
If I continue to max it out every year I should have over $3M in tax free money at retirement 🤯
Don’t underestimate the power of compounding.
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I wonder how long it will take for people to open their eyes to investing internationally.
By the time they see the US lagging behind international equities they will have already missed out on large gains.
US equity dominance will not last forever ⏰
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One of the best perks of working at my current company is the option to skip the one-hour lunch break and leave an hour earlier.
I’d much rather get home sooner than spend an hour on lunch.
More companies should allow this in my opinion.
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My side hustle is reselling clothing on ebay.
Currently my 90 day sales total is about 18k.
This allows me to invest thousands of dollars each month into the stock market
Do you have a side hustle?
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What stock do you feel 100% confident holding for the next 5+ years?
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Every time I get worried about a market downturn I take a look at this chart and go on with my life 😴
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9-5 jobs are the best.
-Stable source of income
-Good benefits
-Routine and predictability
-Weekends off
Do you agree?
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My dad lost his fortune due to mental health struggles.
My mom worked most her life as an assistant teacher and made pennies.
They’ve never been financially savvy, and now they’re paying the price.
I’m determined to break this cycle and give them the life they deserve.
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Someone messaged me congratulating me on reaching a $100k portfolio, saying I’d now ‘unlocked’ compound interest.
When I asked what they meant, they said they’d heard compound interest only works after $100k.
People don’t actually believe that’s how it works, right?…. 😭
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I really just drove all the way to the office, started working for an hour, and wondered why the place was a ghost town—only to realize it’s a holiday, and I don’t even have to be here. 🤦🏻♂️
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If you cant live comfortably on a $100k salary in any US city, you’re spending irresponsibly. 🚩
Agree or disagree?
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Paying the minimum balance on a credit card is unacceptable. 🚩
It should be paid off in full each month.
If you cant, you aren’t a credit card person and shouldn’t have one.
Agree?
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My goal is to build a $500k stock portfolio by the time I turn 30.
That gives me just over 4 years to grow my portfolio from $90,000 to $500,000
The entire process will be documented right here on X 💪
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Starting in September, my girlfriend and I will be contributing weekly to a house fund.
Our goal is to buy a home in two years.
Any advice on where to park these funds?
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A lot of people at my company are quitting because they’re being forced back into the office.
Are they justified, or have people become too accustomed to remote work?
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Want a side hustle that actually works?
You need to give reselling clothing on eBay a shot. 👕💰
I started reselling clothing on eBay part time one year ago and it currently provides me with $2-3K a month in additional income.
Here’s a thread on exactly how to do it: 🧵👇
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My old boss once told me that “every dollar invested cuts a minute off of your working life”.
Meaning retirement comes one minute sooner for every dollar invested.
That is why I invest so much of my money.
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My target retirement age is 50 with $5M+, currently 25.
What is your target retirement age?
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I’m in my 20s and here's what I'm focusing on to get a 500k net worth before 30:
• Job hopping every 2-3 years
• Maxing out 401k
• Maxing out Roth IRA
• Adding weekly to a brokerage account
Would you add anything else?
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The opportunity cost of chasing hyped individual stocks is extremely understated on this platform.
Take SoFi, for example—down 58% over the past 5 years.
Meanwhile, if you’d stuck with $VOO, you’d be up over 90%.
In comparison, that’s like being down nearly 150%.
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It is unfortunate that index investing isn't as popular here because it isn't as “fun” as picking individual stocks.
Many new investors are being influenced to buy individual stocks on this platform.
Sadly, they may learn the hard way and miss out on prime years of growth.
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I’ve been selling thrifted clothing on eBay for about a year for extra income.
Some people claim that I am stealing from those who are less fortunate and could have bought those items.
Personally I think this is ridiculous, what do you think?
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Paid $42.63 from x today 💰
About what I expected with taking a couple days off.
Just grateful to be able to earn anything on here 😊
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Which stock will people look back on in 10 years and say, "Why didn’t I buy it?"
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This is the vast majority of my investment portfolio:
$VTI 80%
$VXUS 20%
It may not be popular on x but this is how you build guaranteed wealth over the long term.
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What improved your quality of life so much, you wish you did it sooner?
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Today’s contributions of $500 will finally start my position in $FBTC
Next week I will add another $300 to make bitcoin a 1% allocation in my portfolio.
Bitcoin bros we cool now?
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@SaiyanFinance
Trust me, I would be buying nice cars in his position.
He doesnt think hes smarter he just likes to roll up in a cheap car when they all know he has hella money
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I got paid $82.13 from X!
My highest payout yet, lets see if the trend can continue 💰📈
Hope everyone has a good weekend!
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Portfolio up +.81% on the day (+$809) 🟩
Current balance: $101,061.35
Great end to a great week 🤑
How did your portfolio do today?
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My girlfriend is almost done paying off her student loans and plans to start investing ASAP.
Our plan is for her to put 15-20% of her income into the S&P500 every week.
Would you add/change anything or keep it simple?
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In one year, my portfolio grew from $17k to $94k, driven mostly by a focus on steady contributions.
In 2023, I made investing a priority, and the results speak for themselves.
I could slow down and still retire comfortably, but there's more I want to accomplish. 💪
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In just 4 months, my portfolio has gone from $60k to $92k 😳
One day, I’ll hit a million and be able to look back at how far I’ve come.
Portfolio ended up .93% or +$557.46 on the day
This is the largest gain ive had on a single day!
How did your portfolio do?
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Seeing the market hit all-time highs is great, but the smart investor in me is hoping for a big sell-off.
The longer the market stays low while I’m in my 20s and putting 50% of my income to work, the better.
Anyone else feel the same?
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In 2021 I bad $3,000 in my bank account and $15,000 in student loan debt.
Today my net worth passed $100k and I have 0 debt!
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In less than a year, my Fidelity account has gone from $16,500 to $46,000+
8 months ago, I decided to prioritize my long term goals over short-term gratification, and it's paying off big time.
I encourage everyone to give it a shot, big or small, just start!
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My father has been living in a shelter for the past several years after his mental health struggles wrecked his finances.
Yesterday, he told me he was finally able to afford and get approved for his own apartment and have a place to himself, I am so incredibly happy for him 😊
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