Personal Finance
@PennyProficient
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Following
695
Media
201
Statuses
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Entrepreneur | B.S. Finance | Former D1 Athlete | Investment Banking Analyst | Difference-Maker | Transform your finances & achieve your life goals |
Detroit, MI
Joined January 2024
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Pinned Tweet
Hey everyone just got home after eight days without cellular.
Such an amazing and life-changing trip.
Very happy to be back and will slowly be getting back into the swing of things. Have lots to catch up on if you can imagine haha.
Hope you all had a great weekend!
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What are reasons someone would choose a Roth 401k as opposed to a Traditional 401k?
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Love him or hate him Dave Ramsey is the personal finance GOAT.
Agree or Disagree?
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Health is wealth. No matter what you have in your bank account or invested, it all means $0 without your health.
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Have you found that dogs are worth the money?
I think they are no doubt about it!
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Does anyone else prefer to watch YouTube over regular TV?
I do occasionally, unless there is a sporting event or something of significance on TV.
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What amount is sufficient for you to retire immediately?
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What does your emergency fund look like?
For me it is 3 months in a high yield savings account.
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If you had to hold $BTC or $VOO until retirement which would you choose and why?
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After two posts I made earlier this week I realize that most people do not know the difference between an individual retirement account (IRA) and an employee sponsored retirement program (401k).
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The 8 step blueprint to helping you achieve your financial goals.
(See Thread):
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Treat everyone with kindness because behind every face is a story that could use a little more love.
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Success is a series of small victories compounded over time!
Compound the little wins today.
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In life you will never meet a hater that is doing better than you.
That is a fact. Be content from within.
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America is built on debt.
Credit Cards, Mortgages, Student Loans, etc.
There is a reason that personal finance is rarely taught to our youth in America.
We are going to change that
@PennyProficient
.
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1,000 followers. I’ve met some truly amazing people on this platform and that’s what it is all about.
This number is merely just a milestone, because I am enjoying every step along the way.
“The man who loves walking will walk further than the one who loves the destination.”
Let’s get to 1,000 followers before morning!
About to put my phone down, give me something good to wake up for haha! Have a great night everyone.
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You guys are amazing, woke up to over 800 followers. Thank you for each and every one of you!
Just like life. It is only up from today!
Have a blessed weekend everyone, I’m extremely grateful!
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Take pride in how far you have come and have faith in how far you can go.
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400 followers!! Thank you all for your support on my page, it never goes unnoticed.
Let’s keep growing this TOGETHER. 📈
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Hey everyone, I have been inactive for a few weeks as life has picked up recently and I am beginning a new chapter of my life. I am uncertain of whether or not I will continue posting, but if not thank you all for the tremendous support!
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Be honest, did you hit the alarm clock this morning? 😂
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Wake up
Drink water
Get sunlight
Workout
Eat a protein dense breakfast
Watch your mood shift & life change.
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Surround yourself with the people who bring out the best in you.
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Wow you people are amazing. Well over 500 followers before noon!
To say I’m thankful for you all would be an understatement. Everyone have a great Friday.
Do something that challenges you and pushes you closer to your financial, fitness, and life goals over the weekend.
500 followers by end of day, setting my mind to it and we are getting there!!
Let’s make it a great Friday everyone!
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Is anyone currently training for an athletic event? If so what are you doing?
I am currently training for a marathon in June!
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500 followers by end of day, setting my mind to it and we are getting there!!
Let’s make it a great Friday everyone!
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If you have a child would you give them an allowance?
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What is the best personal finance advice you have ever received?
I will start. Automation removes emotion.
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What is a brand you will pay extra for?
I don’t mind the prices at $LULU, because their quality is unmatched and have multiple pieces of clothing that are 5+ years old and I still wear on a daily basis.
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I am leaving for a mission trip today, March 3rd and returning Sunday, March 10th.
I will still be having scheduled posts, but unable to respond or interact, because I will be without WiFi and cellular data for the most part.
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What are your plans for the weekend?
I have a 12 mile run and 36 holes of golf.
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What is your favorite thing to do in your free time?
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Let’s get to 1,000 followers before morning!
About to put my phone down, give me something good to wake up for haha! Have a great night everyone.
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4 months ago I did my first run. It was 3.5 miles and I had never ran over a mile previously.
Now I am cranking out 30-40 mile weeks and long runs in the teens.
Just start that thing you are pushing off. You are so much more capable than you think.
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What do you wish you would have known earlier about investing?
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Do you automate your investing?
If not, I HIGHLY recommend it. It takes out the guesswork of how much you can invest, removes emotion and creates consistency.
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Stare at your past and you’ll end up staying there. Sleep on a win and you’ll end up with a loss.
Always be forward looking and constantly improving.
1% better daily.
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Don’t tell others your plan, small minded thinkers will just ridicule and belittle your ideas.
Sometimes it is best to just show them your results.
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When you see your worth, you’ll find it harder to stay around people who don’t.
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If you had $1,000,000 and you had to invest it all how would you allocate it across different asset classes?
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Happy Tuesday!! Up and at it early today. Hope everyone has a great day.
Do something that challenges and pushes you out of your comfort zone!
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One of the best investments you make is to START.
Start investing, start working out, start eating health, start working on your relationships, start learning.
"Analysis Paralysis" is real. Ask yourself what if I can pull this off? Your mindset will shift!
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I made a post yesterday and it received a lot of hate.
I entirely understand if you have a different opinion from me or others, but please interact in a respectful manner. Do not disrespect someone for no reason.
If you are going to disrespect someone do it to me I can take it
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Had my first tweet semi-blow up earlier!
Just wanted to come on here and say thank you to those of you who interact with my page on a daily basis!
To my new followers, welcome and I am excited & grateful to have you here.
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Did you know you can get ahead of 95% of the population by not participating in self-destructive habits:
Smoking.
Gambling.
Drinking
Drugs.
Vaping.
Binging.
There ya go, it’s as easy or as hard as that…the choice is ultimately yours.
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Jesus was being flogged, spit on, crowned with thorns, stripped naked, struck on the head, belittled and crucified.
He paid the ultimate sacrifice for us. For me and you. He died for our sins to allow us to reunite eternally with Him in Heaven.
Amen.
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Be Kind.
Work Hard.
Stay Humble.
Smile Often.
Stay Loyal.
Be Honest.
Travel When Possible.
Never Stop Learning.
Be Thankful.
And Love Always.
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Send a text right now to someone you love. Life is too short and we oftentimes forget that.
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America is built up on debt and has been for a long time now.
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Dream Big, Believe Big, Become Big.
It starts and ends with YOU, so don't let someone else tell you otherwise.
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What is one way you are trying to change your financial situation?
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Does your employer offer a Traditional or a Roth 401k? Which one did you choose & why?
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Have enough courage to live life the way you want.
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If you could recommend one book to a beginning investor what would you choose?
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How do you become self-confident?
Do the things you said you were gong to do.
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Do you have any fixed income (bonds) in your portfolio?
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A family member you trust approaches you for a loan.
What is your response?
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What is one thing you will spend too much on and feel no regrets?
For me, it’s easy, Golf!
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You owe yourself the love that you freely give to other people.
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I am a firm believer in buying a high-quality mattress. Is anyone else with me?
You spend 1/3 of your life on it!
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Surround yourself with who you want to be.
Can’t agree with this one more.
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Tired of waking up and going through the emotions. You want to take control but you cannot seem to do it?
Start working out. It can be as simple as going for daily walks.
Exercise is scientifically proven to boost your mood, increase your energy and improve your brain health.
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Rejoice for the Savior has risen and has fulfilled the Prophecy written thousands of years before.
Happy Easter to all.
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What is your go to brokerage?
Mine personally is Fidelity. Solid customer service, easy to navigate and they took care of a family member of mine!
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Forgot to mention, I am on a cruise this week and will not be on my phone much as well. However I am responding periodically.
Next week I will be back and hit the ground running fully🤝🏼
Thank you guys for your support!
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What is the best financial decision you ever made?
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Do you have a fixed amount that you invest each month?
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What is the most financially responsible fast food option?
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One of my favorite movie scenes is from Kung Fu Panda, which actually has a ton of great hidden life lessons within it.
Po finds the the Dragon Warrior scroll and he opens it. Upon opening it he looks and there is nothing besides a reflective scroll.
He then takes time to
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What is your favorite part about being an investor?
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How are you feeling about the market currently? Overvalued? Undervalued? Bullish? Bearish? Let me know with a comment or gif below.
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What should I post more content of?
Finance
Fitness
Marathon Prep
Personal Testimonies
Motivation
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Failure is life's greatest teacher. You will learn 10x more about yourself from a loss as opposed to a win.
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Time is everyone's greatest asset, so why aren't you the most selective with what you do with it?
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@HeroDividend
He has helped people save millions of dollars! Although I might not agree with his system entirely it works for a lot of people and that is the goal!
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Would you rather invest in $VOO, $VTI, or $QQQ right now?
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Pretty discouraged by a lot of these responses.
Entirely agree money reduces stress and helps you provide.
But TRUE AND GENUINE happiness comes from relationships, love, faith, giving, overcoming struggle, and so much more.
Money is a tool not a source of happiness!
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If you haven’t opened or contributed to a Roth/Traditional IRA in 2023 did you know you still can?
You are able to contribute to the previous year’s IRA up until April 15th the following year.
So get on it the clock is ticking. $6,500 can change your life.
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Don’t stop when you’re ready, stop when you are done.
Keep pushing. There is work to be done.
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Do you read a companies' 10-Q or 10-K?
Or do you just invest in Index Funds like me haha?
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Don't ruin a good day today by thinking about a bad day yesterday.
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I am going to change the world.
Who else is with me?
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I wake up every single day happy. Not every day is the best day, some days are tough to be honest.
I make a deliberate choice to be happy. You can choose to be positive or negative no matter your circumstances.
If you don’t like your life, take a long hard look in the mirror
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What area of your life are you focused on improving at the moment?
Faith? Relationships? Finances? Health? Sleep?
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If you didn't buy stock A at $100, but then it runs up to $1,000.
Why would you want to buy it at $1,000? Human psychology when it comes to investing is flipped.
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Why I named my account Penny Proficient is coming out tomorrow. I highly recommend everyone gives it a read!
Have a great night everyone.
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Optimist: My portfolio is at all-time highs! If the market crashes or dips I’ll just buy even more!
Pessimist: The market is at all-time highs, sell everything it is going to crash soon.
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