Jim Wang
@WalletHacks
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Curious about money, entrepreneurship, and self-improvement. Personal finance blogger at & father of four, @Forbes contributor
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What's one financial concept you are shocked more people don't understand?
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@EllenYChang
If you get fish, it’ll usually be whole. Face and eyes. The cheeks are delicious. Steamed means the fish is freshest or they go with fried if it’s a little older.
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I think it's funny that when I send an email to my FREE email newsletter about matching charitable donations, I'm told to stick to personal finance - I'll stick to whatever the f I want to haha
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If you invest with
@sofi
- be aware that they may keep your cash while a "Risk" team reviews it and not let you withdraw it. It's been TWO MONTHS.
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@kimmythepooh
@centsiblelife
I remember eating dumplings on the school bus in the morning as a kid, someone complaining about smell, and wanting to hide. But they tasted sooo good.
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People who spell doughnut without the ugh, what do you do with all the time you’ve saved?
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As an accredited investor, I have access to investments that non-accredited investors cannot invest in.
But most of them are trash!
They’re worse than a similar low-cost fund from Vanguard or Fidelity or Schwab.
Just because you can doesn’t mean you should.
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If you don’t know what to do or say, as I find myself at this time, support someone who does.
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.
@Ticketmaster
your ad is on : a site promoting racism and xenophobia under the guise of news.
@slpng_giants
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There are well intentioned people who are trying their best, try to help them do better without attacking them for not doing enough
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People happily accept "tax cuts" but vehemently oppose "handouts" - they're the same, except by definition one heavily benefits higher higher income
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Would you rather have $500,000 or no desire to ask ridiculous questions for likes and retweets?
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If you believed financial news at the start of the year, you would've missed out on the S&P having increased nearly 20% so far this year
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Why I don’t engage/debate with jerks online - why am I going to spend my time improving someone’s life against their will? There so many others who want help that I could and should focus on them instead.
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@xsakuraphie
@EllenYChang
That’s why I always got it!!!!! Jk I had to fight like an animal for it
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@IamShaneMorris
@generalelectric
While seemingly minor, this is a signal that
@generalelectric
cares more about the bottom line than its consumers (which is their prerogative). When it's time to replace my fridge, I guarantee I'll remember this.
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@ramit
tell me you've never traveled outside of the US without telling me you've never traveled outside of the US
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The good news is that during the pandemic I've cut my own hair and it doesn't look half bad. The bad news is that the other half doesn't look good.
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when this is all over, is anyone else going to keep wearing masks so no one talks to them? :)
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It’s important, but very hard, to remember that you don’t lose when someone else gets help. Do you get upset at people who need wheelchairs? Do you wish you had to use one? This applies to money too.
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Now seems like a good time to implement a few policies whose only downside is that it would "hurt the economy" - let's start with a national holiday for election day
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“Think of how stupid the average person is, and realize half of them are stupider than that.” - George Carlin
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What are the good reasons for paying 1% AUM to an advisor vs. a flat retainer?
If I have a $3MM portfolio, what do I get for $30,000 a year?
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If you're buying more in the stock market because you see it's down, that's still market timing.
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@ramit
Then, show them how amortization works and how much equity they're building those first few years...
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You do you but I’m leaving up our Christmas tree all year. We need more celebrations, not less. Who’s with me?
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If you're reading finance news and lamenting how you didn't own shares of Nvidia (which shot up today) ... don't!
Because if you owned shares of any S&P 5500 index fund, you joined in.
$NVDA is the 4th largest component in the S&P 500.
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People who are or know medical professionals are experiencing this all much differently. And they are not saying we are overreacting.
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@disfordemocrats
@DrEricDing
Skip the parade and put it towards their student loans- medical school is expensive!
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What are the benefits of paying a financial advisor a 1% fee on AUM? (trying to play devil's advocate)
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On 12/1/2008, the S&P500 closed down 8.9% - if it felt bad today, you should reassess how you answer those risk tolerance questions :)
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If aliens appeared from the sky and started vaporizing hundreds of people a day, you’d hope we’d band together to fight them. After 2020, I’m not so sure.
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The Rydex S&P 500 Fund Class H is an S&P 500 index fund and charges 1.56% annually. That's insane.
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With the Biden tax plan, it feels like there’s more anger from those earning less than 400k than those who earn more
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An emergency fund is crucial but do you have an emergency plan? Start one today so you know how you'll handle those emergencies so you don't try to wing it when they happen!
#TeamingUpWithAlly
@ally
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I started looking at high end office chairs and realized I was trying to solve the wrong problem.
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When I was a kid (I was born in 1980), I thought
@dennisrodman
was crazy and wild and whatever - as an adult, I realize now that he was and is what we all hope to become one day - our authentic selves - much respect
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@ramit
Thanks Ramit, I told my kids no more mac and cheese and they're looking for a guillotine
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You have immunocompromised friends and you don’t even know it. Don’t go out. Stay home.
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When my son tries to make something with legos and it falls apart, he calls it a disasterpiece. Not a masterpiece dad, a disasterpiece.
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Our kids get to dress up as their heroes for "school" today. It's sweet because they chose to dress up as me! Then I realized it's because I wear sweatpants and a hoodie all day. womp womp
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If I’m the average of the five people I spend the most time with, I’m 14
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If you believe any theory that involves Bill Gates wanting more money... you must not know who Bill Gates is.
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Debating stimulus checks during a pandemic is like asking for proof of health insurance from a gunshot victim.
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@FreedomGoat_
Older eggs and I boil for 12 minutes and then drop them in ice water for a minute and peel. I drop them in pairs, peel while the eggs themselves are still fairly hot. Not a guarantee easy peel but it’s what I’ve found to be best.
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It's really nice when someone emails just to say they liked a post. Simple, kind, and much appreciated. If you enjoy someone's work, please let them know.
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When you diminish another person’s accomplishments, especially one you haven’t achieved, you only show the world how small you are.
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Hey -
@Ally
is running a fun augmented reality game where you can win prizes for scanning paper money! Go to and scan money to get a shot at daily prizes plus a $50,000 grand prize
#allydigitaldollar
#teamingupwithally
Rules:
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I just saw a headline that a man was fined $3,500 for breaking Taiwan's coronavirus quarantine for 8 seconds... and clicked through hoping it wasn't my dad! (it wasn't)
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If you run a blog with recipes, please put a link at the top to jump to the recipe please. I get the ads, the floating video, and even the backstory - but please add a link.
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I am honored to share with
@ally
what we're doing today to make next year the BEST year ever (financially!)
#TeamingUpWithAlly
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I get a lot of emails from readers complaining about the stimulus package and all the handouts... not a peep back when the Tax Cuts and Jobs Act ($1.9 trillion) gave tax cuts to corporations and the wealthy... just easier to comprehend checks, unemployment, etc. than tax law
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2020 is the year to stop being so hard on yourself because everything else is doing it for you
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Absolutely legendary - thank you and I am honored
@AllStarMoney_
@BudgetsAreSexy
@themotleyfool
(ps. Our kids are losing their minds over this)
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Hey so we are a few months away from the election, when is America gonna be great again? Or do we have to pay more for that.
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January 31st, 2003 was the day I published my first blog post.
Before then, I had a site that listed bargains (hence "Bargaineering") and slowly moved towards personal finance.
It was over 20 years ago!
I started it on a whim... and it changed my life.
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our kids have "early dismissal" on friday... it's cute when it's virtual. my initial reaction was "wtf!" but as I thought about it I realized, these little joys are good for the kids. It's a little treat in the shit sandwich that has been 2020
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@ramit
But would rather get a $135 million dollar estate today or $135 dollars a day for the rest of your life
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After 2020, I can think we can all agree that boring is not longer a bad thing
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@AlanRMacLeod
I invite you to read the article, it was written in response to a CNBC article that said a family making $400,000 isn't wealthy and could barely make it in a HCOL state
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One of the ironies of self isolating with kids is that when this is over I’m going to need more self isolating
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What is something simple that anyone can do to improve their quality of life?
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Just a quick heads up - I just put our snowblower away so it’ll probably snow. Wherever you are.
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One party wants to control how you live. The other wants to help you live the life you want. Choose carefully.
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This shit pisses me off. Why would someone knowingly buy into a target date retirement fund with 5.75% load and a 0.7% expense ratio? Oh they didn't, they're "financial advisor" did
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Many aspects of social media would improve if every account were verified. Accountability is fundamental.
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Today is the first day we’ve ever run our dishwasher three times in a single day - fun times
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Why is buying a home ingrained in American culture? If you look at the assets of retirees (according to Census), it's practically all in some form of real estate. It's incredible.
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Don’t get distracted by alternative investments. The wealthy are predominately invested in the stock market, they may *talk* more about alternatives because they’re more interesting. But they’re still mostly invested in stocks and bonds. Don’t get it mixed up!
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Honestly, when did you realize it was the bad place? For me, it was June.
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Going through the speaking submissions for
@FinCon
and there are a LOT of good talks in here (and over 450ish submissions!)
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I’ve known
@noahkagan
since his days at Mint, watched him build Gambit and then Sumo and then Appsumo.
He’s no fluff, all actionable “start today” and it’s reflected in his book. Worksheets, tables, challenges.
It sounds fantastic and it is. Get it.
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People who get very upset about participation trophies think too highly of trophies.
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Someone replied to one of my emails with “spammer pig” and I really want to reply “oink oink”
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I wonder if people on the Titanic argued about the band’s music or that going on a lifeboat meant they were being herded around like sheep? I bet they did.
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Avoid ridiculous hypothetical debates about money on Twitter. You’re better off transferring $20 to savings a la
@herfirst100K
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HI
@safalniveshak
- Your post about how to win at anything in life (and investing) headlined today's Apex Money!
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I sent an email newsletter out today that highlighted charitable giving... had someone send an angry reply that he paid 70% in taxes and I was preaching he should give more. Love the internet. (I hit unsubscribe for him)
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Remember that when you look down on someone or something, you have a double chin.
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My almost 7-yo did someone's homework for $5 - i have so many questions
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I wrote a blog post for
@doyouevenblog
on 10 things I wish I knew before starting my business and he said he was going to read it aloud for his podcast... I"M SO SCARED
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What’s a habit or activity you picked up during the pandemic that you’re proud of and will continue?
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@oneunderscore__
@EllenYChang
Reminds me of those stories where some 20-something "paid off $100,000 in debt in 3 years" but also "got $2mm from parents in a trust to get started"
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You can try to beat the market but it will require you to spend many hours researching, studying, reading, and analyzing companies.
Even then, you have to be lucky and not get caught up in market volatility.
Or you take a few seconds and buy shares of VTI or VTO and enjoy life.
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If someone is drowning, do you debate whether we’re printing too many life preservers? Or if that person made the best life choices before taking action? Something to ponder.
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