Nikki Dunn, CFP®
@SheTalksFinance
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Wealth Planning For DIY Traders/Investors & Biz Owners. *Market, Macro & Money Takes* Work with me :
Joined August 2012
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Robert Kiyosaki has been the ultimate financial doom and gloomer.
He’s been calling for a major all-around asset crash for years.
Here are a few of his INSANE predictions and how much $ you would have LOST if you followed him:
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I know 4 people personally in Austin that bought homes because they wanted to make money on Airbnb.
They're all trying to sell now as negative cash flow and property tax increases eat them alive.
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Why do people still debate this?
Put your primary residence value as an asset, and your mortgage as a liability on your balance sheet, please.
If you own a primary residence, do you consider it an asset or a liability?
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I front loaded my retirement & if I never put in another $$, I’d still retire with millions (assuming historical returns).
Too many ppl are hesitant to “lock the money up”. It’s not locked up, if my life went to shit, I could access it.
Stop overthinking it and start planning
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If you would have listened to him in 2016 and NOT invested in stocks (S&P 500) because of crash fears...
you would have missed out on MORE THAN DOUBLING YOUR MONEY.
Total market returns since 2016 have been ~150%!
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Kiyosaki was predicting a stock market "crash" in 2016.
It took 4 years and a global pandemic to finally see one.
The S&P 500 had been up over 60% since 2016 when the crash started…
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If you would have invested in Silver since 2008 instead of stocks (S&P 500)...
you'd have roughly HALF the money you could have had…
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Additionally, he has an obsession with silver as an investment.
Silver has had lackluster returns historically compared to the stock market (S&P 500).
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I am truly disturbed by how much a Chipotle burrito bowl costs now...
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Hot take:
Drive whatever the hell car you want, as long as you can afford it.
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Finally, in July of 2022, Kiyosaki predicted a depression & a real estate crash.
Not only have existing housing prices not budged much but the unemployment rate is still historically low.
Since July of 2022, the S&P 500 is up ~16%.
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Always do your own research, even if investment celebrities sound competent and confident with their predictions!
If you want more deep dives and insights into so-called investment ‘specialists’ sign-up for our FREE newsletter below 👇
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@AaronStine5
@Mayhem4Markets
Having a business doesn’t eliminate contributing to social security. It’s paid still through self-employment taxes.
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@theficouple
I literally haven't noticed this. All the wealthy people I know (and I know a lot of them being in financial planning), drive really nice cars.
Where is this statistic coming from is my question.
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@Mayhem4Markets
It definitely saves the asses of people who don’t know how to save/invest.
It’s certainly a social system that doesn’t favor financially responsible people in order to help lower income people.
I know many retirees who’d be screwed w/out it.
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Real Estate investing is NOT always a sure thing.
In fact, it's the epitome of "it depends"...
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49% of respondents in a recent Harris poll believe the S&P 500 stock market index is DOWN for the year.
It's up 15% YTD (which is a very healthy year so far). It was up 26% in 2023.
Is this the proof of just how badly Americans need financial education?
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Dave Ramsey shows his complete IGNORANCE about investing and more specifically retirement planning.
He doesn't understand sequence of return risk at all. The average return of the stock market doesn't just show up in your account every year.
Things that can affect your
From the Ramsey Show (November 2, 2023):
This disturbing video rant from Dave Ramsey demonstrates an ongoing ignorance of safe withdrawal rates and sequence of returns risk, plus a combative insistence on using 12% average linear returns assumptions over decades.
Dave publicly
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Being a landlord sounds like the least appealing thing to me. I prefer building my wealth in other assets.
Others love being a landlord.
How we ENJOY building wealth is unique to each person. Don't build wealth how people have told you to- build wealth how you enjoy it most.
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Myself and
@ChrisDunnTV
flew first class on the longest flight in the world (NYC to Singapore)... for FREE.
How?
1. Racked up points on rewards cards for essential personal & biz expenses (don't spend just to spend & let miles accumulate).
2. Transferred our points to
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No... a whole or universal life insurance policy is NOT
a retirement plan.
I am having this convo way too much lately.
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@PaulRiz504
Ya I feel really bad for them, because not only are they having negative cash flow- but they'd have to come to the closing table with a lot of money to sell bc of lower valuations.
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My ears are bleeding... this woman has 700k followers on TikTok.
TikTok providing the solid financial advice as always.
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I know there are a lot of personal finance books out there... but, the goal with mine is to avoid the fluffy theory and arm you with knowledge you can use right away in your money life.
Get my book on Amazon and leave me a review if you learn something new!
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I'm learning the way to get a lot of followers on Finance Twitter is to just put out really value-less, vague, and often incorrect money takes.
Wild times!
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There may be a war on diversification (worldwide and style) in investing portfolios.
Everyone wants to invest in large cap U.S. stocks because they've done the best.
Ever heard of the " $VOO and chill" bro?
It's leading to an interesting question of ... is it so bad that
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@Zok82
Most people would be better off paying state tax somewhere else! Few understand that part.
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Some of you are going to hate me for this b/c you might be nervous looking at your crypto-folio right now... but....
I think that BTC selloff was the healthiest thing to happen for the longer term trend.
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There's a load of credentialed CERTIFIED FINANCIAL PLANNER™ professionals dishing out some of the most high-value financial content out there... but yet, most people are still following the wrong types of "finfluencers".
Go get some REAL financial education from some of my
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My new book ‘Do This With Your Money’ is now available on Amazon!
It’d make a great gift 🎁💰
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Reason 1,000 why you should follow credentialed finance professionals … here’s what she gets wrong:
1. Salary likely not being “reasonable”= audit flag- choose carefully.
2. Self employment taxes for non W-2 are calculated completely incorrectly (it’s not a straight 15.3%)
Tax Write-offs.
Here's an updated breakdown accounting for potential write-offs:
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Same me, just a new profile pic going across all socials!
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Remember when all the realtors were putting out TikToks in the beginning of the year that we're going to see 6 interest rate cuts?
This is why when you buy a house- buy what you can afford in that moment. New buyers who bought with hopes of refinancing quickly are going to be
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@TikTokInvestors
That’s a solid entrepreneur right there - he’s def too smart to be one of your analysts
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@NeelyTamminga
@texasrunnerDFW
It’s DEFINITELY happening now. In fact, many parents are preferring to help their millennial kids while they’re alive.
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TikTok insurance salespeople are just making up "cute" names for expensive insurance policies to sell more of them (while slandering traditional retirement accounts)...
Make it stop.
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Too many financial gurus are on social giving all kinds of financial advice on Roth IRAs, backdoor IRAs, complex life insurance, and trusts- with NO context.
These are all strategies that have nuances and you can get yourself in a real pickle without knowing about these
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It felt like a scary, uncomfortable time to buy some stocks today...
therefore, I bought some stocks.
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My new recession indicator is "how busy is the Lululemon store?"
It was a damn mad house yesterday, I couldn't believe it.
$LULU
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The more liquid net worth you build, the more peace of mind you get.
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It's nice to see Bitcoin have some relative strength compared to the S&P 500 lately.
@ycharts
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Unemployment rate almost back to pre-pandemic lows while inflation at a 40 yr high with stocks near highs and interest rates at lows.
The Fed is going to disrupt stocks... there is no way around it. I would be preparing for a volatile year.
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This trader lost his retirement money and said that Robinhood has ruined his life.
Here are 6 reasons newbie stock traders often lose it all & what this trader did VERY wrong:
@TikTokInvestors
1. They don’t understand the level of competition in financial markets (and that
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@TikTokInvestors
Ah, the “I don’t know what’s going on but I bought some shares” strategy ... beautiful.
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Did you know that above $160,200 no more social security tax is taken out?
Am I the only one who thought this was wild considering social security funding concerns?
It feels inevitable that this will increase.
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@TikTokInvestors
This is why we follow your analysts ... for practical reminders that 100% returns over and over is really easy.
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We're in a very strong bull market.
We're not in a recession.
Two things most people thought would be impossible.
If you're not open to being open minded & flexible with your bias, the market will eat you alive.
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I don't check my portfolio balance everyday.
But- I do check the market action everyday.
Some people may shame you for checking the market too much, but, people who have a love for it are a different breed (🙋♀️), and that's okay!
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As the S&P 500 rips new all-time-highs after listening to all of the DOOM in 2023...
Let us realize...optimism builds wealth. Investors are long-term optimists.
You can manage pessimism & optimism in your favor through market cycles... but, in the end, pessimism costs you.
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@thewealthdad
I can't figure out if he has all those followers because they like his advice, or bc they're just there to "laugh" at the posts.
Like you said, he's probably a fine human... but, not everyone who paid off some debt or invested some money can be a finance expert.
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@TikTokInvestors
Tell me you don’t live in the real world without telling me you don’t live in the real world.
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Another 'Financial Planner Reacts To TikTok Investors' just dropped...
Sorry
@TikTokInvestors
... ya'll can roast me if AMC goes to $100,000 a share.
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@theficouple
Not really a great way to frame this.
A. You don’t know how much is yours until you’re in retirement of course and know your average tax rate then.
B. You got a tax deduction on that money going in- so that has to be accounted for. You may surely be better off depending on
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For many, it’s an easy decision to buy assets when they’re going up/at highs. Things feel great.
It’s way harder to buy assets when prices are crashing.
However, the money is usually made having to make the harder decision.
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Gen Z/Millennials get on TikTok..
They hear from bros like these that DOGE will moon to what’d be an impossible market cap.
More ppl talk about it (incl. celebs).
They believe, they buy, with no regard to fundamentals.
This is “social investing” & it’s about to get weird.
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Watching Bitcoin over the years has been so fascinating.
A totally new asset class has emerged before our eyes with some of the greatest returns we’ve ever seen in a short period of time.
I know many of you OG’s who were told you were nuts for investing are smiling.
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Alex, I’ll take “how to get sued” for $500
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Come join myself, and some millionaire guest speakers as we chat tips for building wealth next Thursday at 8pm EST!
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@TikTokInvestors
These gen Zers don’t know the struggle … All we got was a cold bathroom stall to cry out our corporate tears.
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Things I have learned about money & investing from talking to hundreds of people...
A thread 👇
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@TikTokInvestors
I elaborated on the cringe 'Tuna as an investment' tweet in my reaction vid (you know I had to):
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@GuyTalksFinance
Finance guy you should probably read this :
This claim is simply not true. A lot goes into which will actually leave you with more net worth in the end.
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Who wants to be my 10,000th subscriber on YouTube!?
Help a sister out if you like no BS personal finance & investing content that will actually teach you something.
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A lot of people LOVE having all of their money in one place for convenience...
but, once you get over $250,000 in assets... it's time to start optimizing for FDIC insurance purposes.
Bank failures are shining light on the importance of this.
A thread 🧵
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Major stock indices haven’t stopped going up since inception.
We’re talking 100 years for Standard & Poors and even more for the Dow.
And we still have people afraid to invest for the long run.
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Podcasts are the best thing to happen to us.
The education and insights that you can get while doing your chores are priceless.
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As someone who is on the fence about having kids … I appreciate this REALNESS.
Everything I hear is “it’s the hardest thing ever, I’m drowning.. but it’s amazing and worth it”
It’s soooo confusing for a fence sitter and ppl don’t talk about how agonizing the decision is.
I just spent 3 days with dear friends, all of whom have kids ages 8mo to 4y.
Something I need to get off my chest about being a parent of young kids and the culture we live in:
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Airbnb listing on search page: $140/night
Same listing at checkout: $1,548/night with taxes, cleaning, fees, and more fees on top of fees
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Great post if you want to understand the semiconductor industry a little better:
$ASML $NVDA $INTC $AMD
@Invesquotes
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Tell me you don’t understand retirement planning without telling me you don’t understand retirement planning…
Unable to become a credentialed financial advisor? Consider a career in MPI sales.
#tiktokfinance
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"Why would people want to pick individual stocks?"
The why:
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@ValueStockGeek
Sequence of return risk matters and it’s why we use guard rails as a withdrawal strategy-
but also- anyone who is 100% in stocks going into retirement with money they actually plan to distribute from is doing it wrong.
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Homeownership is not a requirement to become wealthy.
If homeownership is out of reach for you right now, don't let that stop you.
My husband and I became millionaires before we ever owned a home thanks to every other asset class.
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I had a lot of things to do today, but guess what I did instead ……
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Over 3 months ago and only 250 views... yet others calling the biggest stock market crash coming, hundreds of thousands of views.
Watch who you listen to...they might lose you a lot of wealth.
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Historically, interest rate cuts and recession go hand in hand...
It begs the question, will this time be different?
Here's a market update:
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