Tom | The Investing Tiger
@SavingsCaptain
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Host of the Money Happy Hour Podcast. Former Wealth Advisor, Current Clemson Fan/Alum, Future Carolina Panthers Fan
Charlotte, NC
Joined March 2023
Episode 123 is up "Starbucks, Leadership Matters". In this episode I cover how to evaluate the words/actions of leaders on the companies you own. They matter, give it a listen.
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Restaurant dining costs have gotten outrageous. Last night went to Texas Roadhouse. Was actually pleasantly surprised by the value. Impressive how they have controlled costs. What is your best value restaurant?.
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Most people consider this idiotic. I made my next to last mortgage payment today. Perhaps foolish, but I like the thought of not being in debt.
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The average person. -Doesn't know Bitcoin hit $100k.-The S&P 500 broke 6k.-Still won't invest when the market corrects. They'll complain how bad things were, are and will be. Don't be average.
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I started investing in 1991, the S&P500 was in the 300's. If I listened to all the bad news since 1991 I'd still be in cash waiting for a buying opportunity.
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For many Vanguard is a great place to invest. I found Vanguard a great place to work as well. Fortunate to have spent 14 years there. Regularly, I would have to fly for work. I remember being instructed NEVER fly first-class, not even on a free upgrade. Sounded silly. The reason.
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Berkshire Hathaway has . -25 employees (staff).-$167.6 billion in cash.-$6.70 billion in cash per employee . Not too shabby for a company that doesn't make anything. Credit to @brentmasters1 for calling this out.
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@unusual_whales Translated: Your late will decrease, but your interest rate will increase. Don't carry a balance.
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Today is my 1yr Anniversary of leaving the 9-5. Yesterday we made our final mortgage payment. Freedom 55 is here.
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Nick Saban, 72.Bill Belichick, 71. They had to work into their 70's outdoors and on weekends. Important lesson: Invest early and live within your means.
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I know a person who has been bearish on US Stocks since 1992. The S&P500 is +2,360% during that time. They still believe they are right.
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When my company provided unlimited PTO. It felt like the corporate gift that you can't use.
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Something we can all agree on. $62 million in company stock is FU Money
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@BarbellFi Wouldn't tell her anything. I'd ask her, something to the tune. If your Xray came back positive for_______ what would you do with your limited time?. That could help her calibrate her thoughts.
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I rarely buy a new stock. I rarely sell a stock. Here are a few I have owned for years. 22 yrs $KO.21 yrs $WMT.20 yrs $DUK.11 yrs $SBUX.7 yrs. $O. Long term and being selective has served me well.
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We are listing our house. This amazed me. The estimated mortgage on my house is now $6,195. We pay $1,300 . Not a real estate expert, but this feels like a bubble.
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@unusual_whales Translated, managers are unable to communicate across generations, this lack of communication creates a breakdown on expectations. I am Gen X and find Gen Z very ambitious.
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The oddest argument I hear against being mortgage free. " You still have to pay insurance and property tax".
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If I just started investing here are the two things I would buy. 1) $VOO or $VTI.2) A good set of earplugs.
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I lost a lot of followers yesterday for suggesting it is difficult to beat the market over an extended period of time. Let me reintroduce myself. I am not a 23 yr old living in my mamas basement (no disrespect to 23yr olds sofa surfing). I have invested for over 30 years and.
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Would this help?. Before a student signs a personal loan they should receive a disclosure with an estimated annual earnings figure for their degree?.
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If you are in your 20's or 30's. Scratch and claw your way to $100,000 invested. The power of compounding will work its magic.
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We are excited to make this unpopular move. My wife and I are selling our house. Our interest rate is 3.06% . We will be mortgage free after we downsize.
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I turn 55 soon, damn that's old. If you are younger than me and you probably are. Here are 3 simple tips:. 1) Invest 20% of every dollar you earn. You are investing to replace your income. You will want options later in life. 2) Splurge occasionally. Cherish time with.
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Just got done moving. Hereās a tipping question. Do you tip movers?. Mine did an excellent job. Tipped $100ea on the move out and move in.
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People are experts with others money. Bought $META at $19. Rode it up to $375 and down to $98. Some ask, why didn't you sell it at $375 and buy it back at $98?. I ask them, how much did you buy at $19?š¤£š¤£š¤£.
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Just an observation. flame away. I'm on vacation, where is all the money coming from?. Everywhere I go is packed with people spending. This doesn't resemble any pre-recession I have seen.
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Yesterday I was reminded there are two economies separated by just a few miles and zip codes. We were driving around around suburban Charlotte yesterday. Crowded upscale shopping centers, healthy/trendy restaurants, luxury cars, large banks and wealth management offices, people.
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A bit grumpy today. It's tough when you are 60 and lose a job. Tougher when both a husband and wife aged 60 lose a job. That happened to a couple we know. They were tossed to the curb like old furniture. Not everyone wants to retire at 40. Ageism?.
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Wish all my investing conversations went this easy. Age 30.Owns index ETF's.Invests in a 401k and Roth.20k emergency fund.Owns a home.No debt. The only tweak was use a HYSA, not a Wells Fargo savings account.
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I had a friend who called his 401k, his 401"kryptonite". He would say each contribution into his 401k "kryptonite" weakened his employers ability to retain him for life.
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Realize we pay either way. A fast-food worker in Cali makes $20 hour, higher menu prices. A fast food worker paid less, higher use of gov't entitlement programs. Which do you prefer?.
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If credit card interest was capped at 10% how do you think consumer behavior would change?.
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Be sure to invest in your kids. As a father of a 22 yr old, I'm frequently reminded. My daughter remembers the time I spent with her, not the money spent on her. Invest wisely, you don't get a "do-over".
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@theDividendKid The money YOU invested is yours. Feel free to DM anything from the SPD if you have one and I can look.
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@BarbellFi The common thread. These jobs offer great financial and personal reward but you have to be built for it or you will burn out. These are not 40 hr a week careers.
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I like to add to holdings when people ignore them. BUY.$O $51.$TSLA $180.$MCD $250. NO THANKS.$O $63.$TSLA $260.$MCD $305. Adding Now. $HSY.
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Dave Ramsey's 8% withdrawal rate holds up real well when the S&P goes up 20%+. Unfortunately that is not reality.
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Why are people panic buying toilet paper because of the strike?. One of the few items we produce in the US.
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No brainerā¦. If you have $14k in the bank and a $9k credit card balance. PAY IT OFF!!!
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Is a $100,000 income still a lot?. Recognize the Federal Poverty Level in the US for a family of 4 in the US is $31,200. I think an income over $100k for most is still significant.
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I may have found the ultimate wealth hack. 2 Silver Corollaās. Thoughts?
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Bankrate says. To feel ācomfortable,ā Americans think they need a $233,000 salary and $1.3 million for retirement. I think the salary figure is high and retirement too low. What do you think?. š.
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$190,000 yr income and money stressed. What would you advise?
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I think us Gen X folks have it rough. People throw shade at Boomers, Millennial and Gen Z. We are forgotten and always left outš. Why?.
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Near disaster yesterday . My daughter was traveling from college yesterday to visit her dying granddad and was an accident that totaled her car. She was in stop and go traffic on the highway and hit from behind. Car is totaled be she walked away scratch free. I took her to the ER.
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@BarbellFi My advice would be:. 1) They have a NW north of $6million, don't take advice from social media vagrants trying to scratch their first $100k. 2) Live their life, not others.
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Invest while you are young. When you are 50 you don't want to rely upon. Chloe a 26 yr old in HR, living in a 2 room apartment with a cat named Toodles determining your outcomes. Call your own shots.
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NEWSFLASH:. If a person selling investing courses says there are only 5 spots left. there are more than 5 spots left.
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This will be my final post about BTC. I am convinced it is impossible to have an intelligent conversation on BTC. When I mention I own BTC I get the following: Why do you own that scam? Or why is it not 100% of your portfolio?.
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I'll break it down. ā”ļø If you want $100k a yr you need a $2.5m portfolio.ā”ļø If you want $75k a yr you need a $1.9m portfolio.ā”ļø If you want $50k a yr you need a $1.2m portfolio. What's your number?.
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Here it isā¦. My 2023 RECESSION investing plan. Just like 2001, 2007-09, buy and hold. Whatās your plan?.
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Would you rather have?. 500 shares of $TSLA.2300 shares of $O.4.6 $BTC.Or. Mercedes G 550 $139,900
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If you are in your 20's please don't buy REIT's. there will be a time for that.
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Took a couple days off from X. I see Robert Kiyosaki is predicting a crash.Cramer thinks the market is going higher.Many X accounts still say spend less than you make. What else did I miss?.
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Some people play the Powerball I play the S&P 500. I like these odds
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I see posts talking about dividends received and annual dividend goals. That is awesome. one question. Are there any folks on here actually living off their dividends? . It would be great to hear inspiring examples.
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If a person has good money habits . What difference does it make if they use a credit card, debit card or dimes to make purchases?.
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The average age of a millionaire in the US is 57. What age is your goal?.
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If mortgage rates hit 5.25% will you be financially ready?. A 30 yr, $400k loan is $700 mo. lower than at 8%. Don't be lulled by 2023's headlines.
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A car with a heated steering wheel is not a necessity. "Cost of living" and "cost of choices" are blurred.
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The longest I worked at a company (Vanguard) was 14 years. Last night I had dinner with a former colleague. He has been at Vanguard 30 years. Longevity at a company is downplayed. IMHO and experience if you are aligned with a great company consider staying. You don't have to bolt.
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Would you rather have?. 1200 shares of $AAPL.Maybach S680. Maybach S680 MSRP $232,500
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CNBC reports, Americans need on average $68,499 (of post-tax) income yearly to live comfortably. Does this seem accurate to you?.
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Not sure who needs this. 10 years ago I remember coming home upset because of something that happened at work. Today, I couldn't even tell you what it was about. Don't sweat it, you'll soon forget it.
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I have found a surefire way for you to buy $TSLA below $200. Me establishing a position above $200. Your welcome.
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I realize I may sound hypocritical. I talk about investing for the long term but recently I have become cautious and sitting on cash. I am 56, and realize I am in a different stage of life than many on here. Hard stop, if you have a 20+ yr horizon stay invested. I WOULD.
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The S&P 500 is up 39% over the last 12 months. Despite constant fear of.-Inflation.-Recession.-Election Outcomes.-Geopolitical Events. This has to be the greatest "melt-up" in modern times.
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Not sure who needs to hear thisā¦. Big oil is not going away anytime soon. Buffett kinda knows what he is doing
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DoorDash, CEO says discretionary spending is strong. Target, CEO says discretionary spending is weak. So which is it? Who do you believe?.
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REIT's have underperformed for 3 years. Are you buying REIT's? What are your favorites?. Thanks, recording a pod on this.
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Just asking. If you could pay off your mortgage early would you?. š.
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We must do better. The median 401(k) balance for people in their 30s is $20,400, according to Fidelity. That represents investing ~$100 month for 10 years.
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Lets talk Dividend Stocks. At 21 I thought they were for people on Soc Security.At 30 I bought $25 of $KO, added and reinvested.At 40 I noticed the wonder of compounding.At 54 I left my 9-5. Just start! You can start late and win!.
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Holy egg prices!. $5 a dozen by me. This week the largest egg producing state GA, culled their flock. How much are eggs by you?.
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What do you think?. Would you take your date to Waffle House for Valentineās?
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Yesterday , McDonald's announced a new $5 value meal to win back stretched consumers. Starbucks, you are on the clock. What are you going to do?.
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The $O monthly dividend trainšjust rolled into the station for the 634th consecutive month.
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If you hang around 5 people who don't care about money, you'll be the 6th. If you hang around 5 high achievers, you'll be the 6th. Chose wisely!.
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I'm convinced. 401k scam believers, also believe flossing is a scam.
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Boomers staying in their homes is not THE reason people can't buy a home.
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Name a company you wish would IPO?. I'll start. it'll never happen but , Chick-fil-A. š.
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Earning a full share from a dividend is š. Here's what you need for some #DivTwit favs. -$O 244 shares. -$KO 140 . -$JNJ 136 . -$WM 242. Do you get paid a full share from any holdings?.
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