Darrell Talks Finance
@darrelltalksfi
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I talk about investing & personal finance. Building wealth through stocks, bitcoin, and real estate. Paid off $30,000 in debt in 28 months.
Joined April 2022
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🚨 Exciting news 🚨
I’m sharing a free budget template to help you hit your money goals and work toward financial freedom.
It’s the exact template that helped me pay off $30,000 in student loan debt in just 28 months and grow my net worth exponentially.
Want a copy?
Subscribe
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@historyinmemes
“I trained 4 years to run 9 seconds and people give up when they don't see results in 2 months” - Usain Bolt
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Sports Illustrated estimated that 80% of NFL players go broke in their first three years out of the league.
Adrian Peterson is no exception.
Adrian earned $103 million during his NFL career, and remains the highest-earning running back in NFL history.
But Adrian got caught up
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5 best purchases I’ve made in the last decade.
• AirPods
• Air Purifier
• Dyson Vacuum
• TSA Pre-Check
• Espresso Machine
What’s the best purchase you’ve made recently?
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Sports Illustrated estimated that 60% of NBA players go broke within 5 years of retirement.
Trevor Ariza is no exception.
Trevor earned $116 million in career earnings over 18 seasons.
He even won a championship with the ‘09 Los Angeles Lakers.
But Ariza recently went
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1K
34% of Americans make less than $50k.
50% of Americans make less than $75k.
63% of Americans make less than $100k.
80% of Americans make less than $150k.
89% of Americans make less than $200k.
It may not be what it used to be, but $100k is still a lot of money for most.
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Signs you’re doing good financially:
• Used Toyota
• No credit card debt
• Costco membership
What else?
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My friend just had floors installed in his home.
Original quote: $20k.
But once they ripped up the old carpet they found that the subfloor was uneven.
And if they laid the new floor on the uneven subfloor the contractor would have them sign a waiver and it would void any
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My wife and I recently moved and called to cancel our wifi with Xfinity.
They offered to drop the price with a two-year price guarantee:
Current: $71/month
New: $40/month
That’s a savings of $372 per year.
In the end, we decided to go with Verizon 5G home internet for a
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Is it really a flex to travel with a Louis Vuitton duffle bag if you can’t afford first class?
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My friend told me his girlfriend asked for two weeks off to go see her grandparents overseas.
The company said no and declined her PTO.
It wasn’t until she threatened to quit that they approved her time-off request.
This is why financial independence is so important. So you
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Last year, my wife and I spent two weeks bouncing around Europe.
We spared no expense, and the trip cost us ≈ $10k.
We could have stayed home and invested that money instead.
But we talk about that trip at least once a week and reminisce on how fun it was.
Travel is one
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Is it really a flex to spend $2,500 on a Louis Vuitton duffle bag that was made in a factory oversees for $250?
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My dad just received a pretty sizable bonus.
I congratulated him, and said he should treat himself to something nice and invest the rest.
He immediately got defensive and said there were too many expenses this month, that he’d invest what’s leftover at the end of the month.
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@JoePompliano
@SquawkCNBC
And there is no signs of them slowing down.
I recently bought my wife one because she said she was “bored” of drinking water out of her hydro flask.
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My friend is getting married this spring and it’s out of state for us.
We have to fly into a small airport in the South.
Flights + hotel for me and my wife will come out to around ≈ $2,000.
I’m having a hard time justifying the cost for being there a little over 48hrs.
What
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My wife works with someone who has no desire to build generational wealth. He doesn’t care about leaving a legacy, climbing the corporate ladder, or passing down a large sum of money to his future kids. All he wants is to spend his money enjoying what little time he has on this
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Pro athletes are notorious for being big spenders and living lavish lifestyles.
Not Herbert Jones.
Jones recently signed a 4 year / $53,827,872 contract with the New Orleans Pelicans.
But he is happy being frugal now if it means financial security for his family in the
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My wife and I are doing no-spend January.
And dry January.
(Boring, I know)
But after the holidays we decided it would be good to do a financial reset.
Rules are:
• no fast food
• no house stuff
• no new clothes
• no coffee shops
• no alcoholic drinks
• only
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My friend missed a credit card payment.
His score dropped: 800 -> 760.
A 40 point swing…
He had the card on autopay for years with no problems.
• sufficent funds
• didn’t change cards
• card wasn’t expired
So he called the lender and explained the situation.
They
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Most of life’s problems can be solved by…
• exercise
• investing
• sleeping well
• eating healthy
What did I miss?
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If the S&P 500 goes to zero, you’re better off stockpiling…
• food
• guns
• ammo
Then you are gold.
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It may not be flashy…
But driving a car with no monthly payment hits different.
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My manager retired a few months ago at the age of 63.
He’s done well for himself, and said he’s been work-optional since 50.
I was worried he’d get bored in retirement.
But I talked to him yesterday and he said he’s loving it. Happier than ever.
Said he wishes he would have
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Dave Ramsey’s investment strategy is pretty straightforward. He recommends a 4-fund portfolio:
• 25% - $VUG (growth)
• 25% - $VO (mid-cap)
• 25% - $VB (small-cap)
• 25% - $VXUS (international)
For the average investor, is this a good portfolio?
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One thing that’s criminally underpriced:
TSA pre-check.
$78 for 5 years.
(bonus if your credit card pays for it)
Even if you only fly a few times a year, it’s well worth the investment.
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Nobody ever got rich off 2% cash back from a credit card.
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Sports Illustrated once estimated that 80% of NFL players go broke in their first three years out of the league.
Not Chad ‘Ochocinco’ Johnson.
The former Bengals wide receiver earned nearly $49 million over 11 seasons, and he claims to have saved 83% of that.
How?
• wore
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There is no right or wrong way to build wealth.
$1 million made at a 9-5 has the same value as $1 million made as an entrepreneur.
Don’t let anyone tell you different.
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Sports Illustrated estimated that 80% of NFL players go broke in their first three years out of the league.
Not Marshawn Lynch.
Marshawn aka “Beast Mode” earned more than $56 million over 12 seasons.
He even won a Super Bowl with the Seattle Seahawks in 2014.
But one thing
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My parents weren’t good with money.
They always said “we can’t afford that.”
I didn’t understand…
My dad had a good job.
It bothered me.
So one winter break I read “The Richest Man in Babylon.”
And after that I read everything I could about money.
Even studied finance
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Consumer:
Spends $700/mo on a new BMW that depreciates 15-25% per year.
Investor:
Invests $700/mo in a low cost index fund like $VOO which returns an average of 11% per year.
Which one are you?
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Spending $5 a day on Starbucks will cost you $1,825 per year.
But a $1/hr raise will pay you an extra $2,080 per year.
The lesson?
Buy the coffee if it makes you happy.
And figure out how to increase your income.
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@unusual_whales
"Smart men go broke three ways - liquor, ladies and leverage."
Charlie Munger
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If paying off your credit card balance every month was so easy, credit card companies wouldn’t make any money.
Something to think about.
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If you were laid off today, what’s your first move?
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If you’re new to personal finance, read:
1. Rich Dad Poor Dad
2. Think and Grow Rich
3. Psychology of Money
4. The Richest Man in Babylon
What else?
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Is it me, or does it feel like everything at the grocery store costs a minimum $5?
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My coworker said the number one thing he and his wife argued about was cleaning.
So now he pays someone every other week to come clean his house.
Cleaner: $300/month.
Happy wife: priceless.
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I used to teach personal finance at the local middle school.
But in 2020 everything blew up.
Because of that I wasn’t able to volunteer.
And the kids weren’t learning about finance anymore.
So I decided to teach finance on IG & Twitter.
And that’s why I created this acct.
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Pro athletes are often notorious for spending carelessly and living lavish lifestyles.
Not Jalen Hurts.
Last year, Jalen signed a 5-year $255 million contract with the Philadelphia Eagles, making him one of the highest-paid QBs in the NFL.
But he isn’t a big spender.
During
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Take any 100 people at the start of their working careers.
Follow them for the next 40 years until they reach retirement age.
Here's what you'll find (according to Social Security): 🧵
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Unpopular Opinion:
Obsessing over your $11.89 quarterly dividends is not how you build wealth.
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We pay $723 every 6 months for auto insurance on two cars.
What’s everyone else paying?
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I like my 9-5.
Is there a problem with that?
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Just got hit with a bill for $3,083.18 to fix the well at one of our rentals. I get why people stick with bitcoin and index funds. Real estate is not for the faint of heart.
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The second you drive a new car off the lot, it loses ~10% of its value.
Does that sound like a good investment to you?
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In 2002, 19 year old Michael Carroll won 10 million pounds ($12.7 million) on the lottery.
But over the course of 8 years, he spent it all on…
• drugs
• alcohol
• women
And guess what?
Now he’s back working his old job as a garbage man.
The lesson?
Money isn’t always
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In his late 40s, my now-retired manager tweaked his back while lifting a mountain bike off the roof rack of his car.
Now in his 60s, after multiple surgeries, he can’t do the things he once loved like skiing and golfing.
He told me he’d pay any amount of money for his pain to
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Quick tip:
Social Security should be an added bonus to your retirement savings account.
Not your only source of income.
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If I gave you $70,000, would you buy a Tesla Model 3 Performance or $TSLA shares?
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It’s official.
I’m the last of my friend group to have not bought a new car since graduating college.
Still driving the same Toyota I bought with my own money back in high school.
Like they always say…
If it ain’t broke, don’t fix it.
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My work just rolled out a wellness & lifestyle reimbursement.
I can get reimbursed up to $40/month on qualified purchases.
The list includes:
• massage
• dog walker
• ski/lift pass
• house cleaner
• wellness books
• fitness trackers
• cooking classes
• gym membership
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Details about AP’s 30th birthday party.
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People spend more time in one week researching their March Madness bracket than they ever do learning about their 401(k) and investments.
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@APompliano
"During the gold rush it's a good time to be in the pick and shovel business.”
- Mark Twain
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Last night I grabbed a drink with a friend.
Ordered a bourbon on the rocks.
The waiter asked me big cube or little cubes.
I said big.
All was good.
Until…
Today when I looked at the receipt and there was a $1 charge for “ice”
Is this the kind of world we live in now?
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@lindsaystamp3
The crazy thing about climbing the corporate ladder is you can work your ass off and do everything right, and still not get rewarded/promoted or ever make it to the top.
I prefer to work towards my own things where I’m 100% in control of my destiny.
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I have a finance degree.
And let me tell you…
You don’t need a finance degree to take control of your money and start investing.
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Question:
For the average investor, do you think investing in a fund that tracks the S&P 500 is enough diversification?
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Kids these days are more interested in sports gambling and meme coin chasing than they are learning about personal finance and how to build wealth.
And the worst part is it’s only going to get worse.
How can we fix this?
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Unpopular opinion:
You don’t need the new Apple iPhone every year.
Last years model works just fine.
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@KobeissiLetter
Soon it’s going to be cheaper to rent a whole office floor than a 3 bed 2 bath.
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The most expensive line item in most peoples budget:
Keeping up with the Joneses.
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My wife found out one of her longtime friends just opened her first credit card.
She mentioned she was maximizing her card by paying it off every month.
But it turns out she was only making the minimum payment…
And the worst part?
The same girl carries around a Louis
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@BleacherReport
Bowl games are such a joke with players opting for transfer portal or going pro.
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A brokerage account is one of my favorite accounts.
Why?
Flexibility.
• no income limit
• no contribution limit
• unlimited investment options
• withdrawal money at any time
Don’t overlook the benefits of a taxable brokerage account.
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I have a few friends who work for the same Fortune 500 company.
As part of their benefits they have a very generous employee stock purchase plan (ESPP).
One friend cashed out to pay for a wedding.
Another sold to pay for a water heater.
Everyone’s circumstances are
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@famandfire
All of the US food is processed junk.
When I went to Europe I ate like a king and never felt gross or bloated.
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The key to financial success is being a good saver and a consistent investor.
That's pretty much it.
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Question:
Would you roll a traditional 401(k) from a past employer into in a Roth IRA (and trigger a taxable event) or keep it as is and roll it into a traditional IRA?
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Learn about money in your 20s so you don’t have to learn the hard way in your 50s.
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@famandfire
So sad that having kids is considered “luxury”
All because our dollar is being devalued by excessive printing.
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One of my coworkers asked the office, “what’s the first thing you’d do or buy if you won $1 million?”
People took turns shouting all the generic answers you’d expect.
“Ferrari!”
“Beach house!”
“Trip to the Maldives!”
But my answer was simple: a private chef.
Other than
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Be honest…
How much did you spend on Amazon Prime Day?
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According to Northwestern Mutual, Americans say they need around $1.43 million to retire comfortably.
But the median retirement savings for American households is only $87,000.
How can we close this gap?
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Easily one of my favorite quotes.
Knowledge and wisdom are worth more than any material possessions.
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One of my coworkers is retiring today. Fortunately, he did well for himself and is able to retire early.
I asked him if he had any advice for the younger people at the company.
His answer?
“Don’t get fancy. Invest consistently in low-cost mutual funds and ETFs, and let
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House flipping is the equivalent of day trading but for real estate investing.
Yes or no?
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My wife and I just moved into a new apartment.
We’ve reached a point in our lives where it’s time to stop bribing our friends to help us move with beer and pizza and hire professional movers instead.
We paid $805 for 4.5 hours of work.
It saved us a lot of time, headache and
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