Pursuing Freedom
@PursuingFreed0m
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8,303
Following
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Media
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20,426
Late 20s. NW 1M+. Don’t want to work until you’re 65? Me either. Follow for tips on how to retire early. I post my NW monthly. Not financial advice.
Indianapolis, IN
Joined December 2022
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Pinned Tweet
Yesterday, I had my salary review. I was given a little over a 14% raise.
Here is a look at my raises since starting with my current company.
Year 1: 5% raise
Year 2: 15.5% raise
Year 3: 18% raise
Year 4: 5% raise
Year 5: 14.2% raise
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Just to be clear:
Paying off a 2.75% rate mortgage early is NOT a good financial move.
It, for some, is a good mental health decision though.
But you can't call it a good financial move, its actually a horrible financial move.
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My wife and I agreed to not get each other presents this year.
That means I still have to get her a present, right?
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Actual Life hack:
Get your Costco order delivered.
It’s the only delivery service that actually saves you money.
Costco delivered: $187.75
Costco in person: $504.32
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Net Worth: $1,001,694.03
Savings: $20,543.58
Checking: $3,914.65
Don’t leave money in the bank, it doesn’t do anything for you.
Put it to work.
Your Net Worth grows when you turn your money into an employee.
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Want to hear something wild?
A $40,000 salary in 1970 had the same purchasing power as a $311,171.13 salary today.
🤯🤯🤯
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@unusual_whales
I feel like managers just always shit on the generation below them.
I remember when millennials use to take all the heat.
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Breaking down what happened with Silicon Valley Bank into bite sizes.
🧵🧵
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Federal Housing Administration gave the OK to 40-year mortgages.
🤯 🤯
Look at this.
$300,000 Mortgage
6.5% interest rate
For a 30-year mortgage:
Monthly payment = $1,896.20
Total paid over 30 yrs = $683,832.00
Total interest = $383,832.00
For a 40-year mortgage:
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I refuse to be in my 60s and still putting in a PTO requests.
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Late 20s is such an interesting age.
Half my friends are married with a kid.
The other half are still going to EDM concerts and doing drugs lol.
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Hear me out:
You should be able to pay back school loans with pre-tax money.
Thoughts?
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I refuse to be in my 60s and still putting in a PTO requests.
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I have a REAL unpopular opinion:
Chick-fil-A is overrated.
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Which situation would you rather be in:
Option A:
500k invested in the S&P500
400k Mortgage @ 6.6% paying $2,555/mo
Option B:
100k invested in the S&P500
Fully paid off home.
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Daycare is insane:
We pay the equivalent of a second mortgage to send our son to daycare.
In return..
Our son is always sick and has to stay home 50% of the time.
I have heard that your kid either gets sick in daycare or you delay it and they get sick when they start
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Just a reminder:
$25,000 invested in the S&P 500 with an average return of 8% a year will be worth $38,015 in 5 years.
$25,000 sitting in your Chase savings account getting .01% a year will be worth $25,001.25 in 5 years.
Put your money to work!
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@spectatorindex
After logging in with your bank info? So they know exactly who withdrew lmao
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Median Net Worth by age in the US
For Households without a Home:
Under 35 yrs old: $4,000
35-44 yrs old: $17,900
45-54 yrs old: $24,900
55-64 yrs old: $29,100
65-74 yrs old: $25,700
75 yrs old+: $20,700
For Households with a Home:
Under 35 yrs old: $70,000
35-44 years old:
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THE DAY HAS COME.
My wife and I finally joined the 2 comma club.
December 5th NW: $1,001,694.03
🥳🥳🥳
Accounts this includes:
-Checking
-Savings
-Roth IRAs
-Taxable Brokerages
-401ks
-HSAs
-529s
-Ibonds
Properties:
-Rental Prop Value (just initial investment)
-Home Value
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Understanding the Federal Funds Rate.
(This is playing a major role in the bank collapses)
🧵🧵🧵
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Only 18% of Americans make over 100k.
Does this seem low or high to you?
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I really don’t want to be 60 years old asking someone else if I can take a vacation.
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Crazy fact:
Top 1% salary worldwide:
Solo w/ no kids: $60,000/yr after tax.
Household w/ 1 kid: $130,000/yr after tax.
🤯 🤯
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My wife and I crossed over the $1M mark in December 2023 at ages 29 & 30.
Below is our savings account balance:
Savings: $20,543.58
Simply saving your money won't grow it, you need to put it to work.
Start investing.
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Crazy fact:
Only 3% of men in the US are over 6 feet tall and make 6 figures.
🤯 🤯
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Nikki Haley wants to raise the minimum age of Social Security to 70+.
This is your reminder to not rely on the government for your retirement.
Invest and secure your own future.
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Apple has launched a new high-yielding savings account with a 4.15% (APY) for Apple Card users
Everything you need to know
👇👇👇
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Net Worth: $1,001,694.03
Savings: $20,543.58
Checking: $3,914.65
Buy assets.
You aren’t going to save your way to wealth.
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@unusual_whales
Ah millennials actually getting credit for something good! This is abnormal!
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Want to hear something wild?
A $40,000 salary in 1970 had the same purchasing power as a $311,171.13 salary today.
🤯🤯🤯
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Age 22-28: sick maybe twice total.
Have a kid
Age 29: sick 30 times in 1 year.
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IMPORTANT DATE FOR $GME:
6/7 -
@TheRoaringKitty
Live stream
6/8 -
@TheRoaringKitty
Birthday
6/11 - $GME Earnings
6/13 - $GME Stockholder meeting
6/21 -
@TheRoaringKitty
Calls expire
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Interesting thing I’ve noticed:
In wealthy families.
The spouse that created the wealth is extremely humble and reserved.
The spouse that did not create the wealth is extremely loud and obnoxious.
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I think LinkedIn is the cringiest place on earth.
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Do you think the owner of this is an index fund investor?
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I can’t stress the importance of living close to family when you have kids.
It makes life infinitely easier.
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If you don’t know the difference between Their/There/They’re….
Your an idiot.
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Who has the best cult following?
Costco
Chick-fil-a
Tesla
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I have roughly $275,000 left on my mortgage.
I have a fixed rate of 2.75%, which means my payment is $1,123 a month.
If I got the same mortgage today at 8%, it would be $2,018 a month.
Almost DOUBLE.
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I am still holding 55 shares of $NVDA up 400%+.
I have the urge to sell daily.
I have no clue how OG $BTC holders held for so long.
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@unusual_whales
Oh just trade on your insider info like everyone else. No need to increase salaries.
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A CDS is similar to an insurance policy.
Lets say you lend a large sum of money to me. At the time you made the loan, I had a perfect credit rating.
Some time later, my credit rating drops and you start to worry that I won't be able to keep paying you back.
For a fee (the
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Breaking down the 10-year Treasury Yield and why it's important.
👇👇👇👇
What is a 10-year Treasury?
A 10-year Treasury is a bond that guarantees interest plus repayment of the borrowed money in a decade.
Treasury notes are one of four main types of U.S. government debt
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Unpopular opinion:
I am pro Credit Card points.
If I am going to spend the money anyways, I may as well get some CC points.
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If your company is willing to pay you a 100k salary, what do you think your actual value to the company is?
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My net worth goal is $3M.
There are roughly 5,671,005 households with $3 million or more in America, 4.41% of all US households.
Do you think you could retire on $3M?
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I’m naturally a saver.
My wife is naturally a spender.
She reminds me we need to enjoy the present, and I remind her we need to save for the future.
It’s all about finding a balance.
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If we all started over with 50k…
Do you think the rich would be rich again?
And the poor would be poor again?
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The average house now costs $430,300.
With a down payment of $86,000.
Interest rate of 8%
30 year mortgage.
You need to earn $108,178 to be able to afford this.
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A healthy person has a thousand wishes, a sick person only has one.
Health is wealth.
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Unpopular opinion:
Coming from someone who had student loans, there shouldn’t be any student loan forgiveness.
You signed up for the loans, you’re responsible for them.
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Understanding Treasury Yields and what they tell us.
🧵🧵🧵
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Median Annual Salary:
Doctoral degree - $108,316
Professional degree - $108,160
Master’s degree - $86,372
Bachelor’s degree - $74,464
Associate degree - $52,260
Some college, no degree - $48,620
High school diploma - $44,356
I think it's safe to say that education matters.
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@AdamSchefter
@adamteicher
Remember when Caleb Williams asked for equity right out of college? Lol
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My net worth goal is $3M.
There are roughly 5,671,005 households with $3 million or more in America, 4.41% of all US households.
Do you think $3M is enough to retire on?
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Average US Mortgage a month: $1,768
Average US Car Payment a month: $729
Average US daycare cost a month: $1300
Average US food budget a month: $550
It's time to figure out how to make more money.
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A summary of what’s going on with CS (Credit Suisse) and UBS (Union Bank of Switzerland)
🧵🧵🧵
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Inflation is brutal especially when it comes to food, but Subways new promo is mind-blowing.
$6 for a 6 inch?!?!?
This is a slap in the face after they shoved the $5 foot long promo down our throats for a decade.
Not sure I will ever eat Subway again.
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On average, millionaires are 61 years old with $3.05 million in assets.
Would you be happy with those stats?
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My net worth goal is $3M.
There are roughly 5,671,005 households with $3 million or more in America, 4.41% of all US households.
Do you think you could retire on $3M?
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How do you stack up against the top 1% of your age group?
Age Top 1% Net Worth
18-24 $435,076.59
25-29 $606,188.36
30-34 $956,944.74
35-39 $4,034,486.45
40-44 $7,909,636.79
45-49
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My work optional goal is $3M invested.
With the 4% withdrawal rule, That is 120k/yr.
With Long-term capital gains tax, the first $89,250 will be taxed at 0%.
The remaining $30,750 will be taxed at 15%.
That leaves me $115,387.50/yr.
$9,615.62/month.
Could you live off
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Which situation would you rather be in:
Option A:
125k/yr at a job you absolutely love.
Option B:
225k/yr at a job you hate.
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PTO is part of your compensation package.
Use all your days.
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If there was a 4-day work week, what day would you want off?
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A breakdown of the Federal Funds Rate.
👇👇👇
The Federal Open Markets Committee (FOMC) (a committee within the Fed) sets the federal funds rate to guide overnight lending among U.S. banks.
Let's dig into what this means and how it works.
Customers make deposits at banks,
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Coffee is the second-most traded commodity in the whole world, behind oil.
There are over 2.25 billion cups sipped a day.
What’s your favorite way to drink it?
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If you bought $100 worth of $BTC in 2010 you would have ~16,666 coins.
Those would be worth ~$716M today.
This doesn’t matter at all because you would have sold a long time ago for a $200 profit.
😂 😂 😂
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My wife and I have built a ~930k Net Worth at 29 & 30.
We did this the easy way:
- We both have 100k+ salaries
- We live below our means
- We invest mostly in index funds
Increase your income and keep it simple, that is all.
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Feeling chunky after several Christmas dinners.
- 1 push up per like
- 2 push ups per comment
- 5 push ups per retweet
Will provide video proof 👀.
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Median home price: 410k
20% down: 82k
At 8% - Monthly payment w/taxes: ~3k
Median household income: 4.6k/month
This doesn’t work.
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What is the JOLTS report and why is it important?
🧵🧵🧵
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Can you imagine being 64 and asking someone else if you can have a day off.
And it gets declined…
I refused to be in that situation that’s why I’m investing in my 20s.
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Any time you get annoyed at work buy a share of an index fund.
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Unpopular opinion:
Coming from someone who had student loans, there shouldn’t be any student loan forgiveness.
You signed up for the loans, you’re responsible for them.
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What Is the PCE (Personal Consumption Expenditures Price Index) and why is it important?
Spoiler: Core PCE is the Feds preferred measure of inflation
👇👇👇👇
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My wife and I have built a $1M+ Net Worth at 29 & 30.
We did this the easy way:
- We both have 100k+ salaries
- We live below our means
- We invest mostly in index funds
Increase your income and keep it simple, that is all.
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Breaking down the Opec+ surprise oil cuts and what this could mean for the US.
🧵🧵🧵
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@FilledWithMoney
Only internet trolls say it’s not.
The same people saying $1 Million is not a lot of money lol.
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PTO is part of your compensation package.
Use all your days.
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