Justine | Financial Educator (CFEI)
@msfinancialfit
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👩🏻🏫 Financial Educator (CFEI®) 🏋🏻♀️ Hybrid Athlete Helping women & DV victims and survivors become Money Smart and Body Strong!
My FREE money resources! 👇🏽
Joined April 2020
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Last Seen Profiles
Pinned Tweet
YO GIRL DID IT! 🔥
Second marathon in the books!
And I did them in my earthing sandals!
Beautiful but challenging course. The heat, humidity, and hills took my damn soul BUT it didn’t take my spirit 💪🏽
Now it’s time to recover 💕
Thanks for the support everyone!
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Checking: $600
Investments: $131k
Few will understand.
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If you have a million dollar dream, don’t let someone with a $40,000 salary talk you out of it
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2K
Two years ago I told my parents that I'm going to retire at 40 years old.
I'm 33 now and I believe I can retire before 40.
My plan:
- Continue to invest aggressively
- Continue to spend below my means
- Continue to increase my income streams
Consistency will set me free!
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1K
I get gas from Chevron.
I own shares of $CVX
I drink Starbucks.
I own shares of $SBUX
I run in Nike shoes.
I own shares of $NKE
I do my work on a MacBook.
I own shares of $AAPL
I invest in what I consume daily. Do you? 👇
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I started aggressively investing at 30 years old.
I'm 34 now.
Am I upset I started at 30?
No.
I'm grateful I started. PERIOD.
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At 29, I made $0 a year in dividends.
Now at 34, I’m on my way to making $3000 a year in dividends.
A lot can change if you take action and stay consistent.
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My investment strategy:
1) $1000 every month in low-cost index funds
2) Live my life
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At 33, I’m addicted to:
- saving my money
- investing my money
- making my money work for me
Retiring at 40 years old—here I come!
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My goal was to hit $2,000 in annual dividends this year.
I'm officially at $2,051.25!
Let's goooooo 🔥
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You can make $170,000 a year and be BROKE
You can make $50,000 a year and be RICH
This is a result of your spending habits and lifestyle choices
Choose carefully
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When I was 25, I had to choose between paying rent or buying food.
Also at 25, I decided to take control of my financial journey.
Now at 33, I am:
- an investor
- certified financial educator
- have a financial services business
Don’t give up.
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I’m 127lbs.
This beast is 155lbs.
Damn it feels good to lift more than my bodyweight 💪🏽🙌🏽
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I started aggressively investing at 30 years old.
It's never too late to start.
The point is to start and stay consistent!
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Maxed out my Roth IRA today 🎉
Feeling grateful.
Next up—HSA!
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Maxed out my Roth IRA this morning!
Feeling so grateful 🥹
Building wealth and generational wealth every day 💪🏽
Happy Monday, everyone!
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I use my active income to buy passive income.
Few will understand.
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If you know what this is, you should be investing 🤣
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Before I buy something for fun, I invest:
- $800 into index funds
- $400 into individual stocks
- $100 into my HSA
Pay yourself FIRST.
The Golden Rule ⭐️
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Teaching Financial Literacy at a local HS!
I ❤️ what I do!
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I focus on my health, so I can build my wealth.🏋🏻♀️💸
Remember—at the end of the day, you can’t enjoy the fruits of your labor if you’re not healthy!
Get your movement in today! 🔥
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At 29, I started investing $100 a month.
Now at 34, I invest $1,945 a month.
Small steps lead to big jumps.
Stay the course.
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Made $212.65 in dividends for January! Woohoo!
Starting the year off strong!
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I get gas from Chevron.
I own shares of $CVX
I drink Starbucks.
I own shares of $SBUX
I run in Nike shoes.
I own shares of $NKE
I have lotion from CVS.
I own shares of $CVS
I do my work on a MacBook.
I own shares of $AAPL
Invest in what you consume daily. Keep it simple.
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I’m going to become a millionaire before I turn 40 years old.
I’m 33 now.
Speaking it into existence now! ✨
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I started investing at 29.
I started aggressively investing at 30.
I’m 35 now and still investing.
Bitten by the investing bug and never looked back.
Start NOW.
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I am $734 shy from maxing out my 2023 Roth IRA.
Have you maxed out your Roth this year? 👇
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With my $VOO dividends hitting my account, I officially reached and surpassed my goal of $4000 annual dividends!
Currently at $4034.59!
Waiting for 5 more dividend payments before the year ends.
So emotional right now 🥹
Grateful I stuck to my plan 💕
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“I invest in index funds” is my love language 🤓
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You cannot become rich unless your enrich others
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I don’t beat myself up for investing $100 into the stock market at 29 years old.
Nor do I beat myself up for starting at 29.
I’m grateful that I started.
That’s what matters.
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I set an annual dividend goal of $7,000.
As of today, I'm at $3,976.26.
More than halfway there!
Cheers to the final push in this last quarter of 2024!
Let's do this! 🔥
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Put $85 into $SCHD this morning.
Building day-by-day
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I hold my Roth IRA at Vanguard.
I maxed out my 2023 Roth IRA and now I’m saving up for 2024.
So when January 1, 2024 hits, I’m dropping a lump sum into it 💪🏽
Building day by day!
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My parents didn’t invest.
But I do.
You can break generational patterns.
It all starts with one person—YOU!
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REITS are required to pay out 90% of their taxable income in the form of dividends to their shareholders.
My favorite REIT—$O
What’s yours? 👇🏽
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I buy index funds and ETFs then chill 🤓
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2 out of 3 Americans can’t cover a $400 emergency expense.
Do you have $400 in an emergency fund? 👇🏽
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Here is what I currently hold in my Roth IRA:
15.61 shares of $VOO
17.54 shares of $VTI
13.00 shares of $VXUS
18.35 shares of $MAIN
28.04 shares of $O
Will continue to invest and reinvest in 2024.
There's more work to be done!
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Breaking up with Robinhood has never felt so great!
Shout out to
@CharlesSchwab
for having fucking incredible customer service.
Love being a client and investor of yours!
What brokerage do you use and like? 👇🏽
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Made $10.05 in $O dividends today 🎉
A win is a win!
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I started investing at 29.
I started aggressively investing at 30.
It's never too late to start.
The point is to start and stay consistent!
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For 5 years, I traveled all over for work. I was alone.
People would strike up a convo.
"Why are you here by yourself? I could never eat by myself"
My response:
"If you can't enjoy being alone with yourself, what makes you think others would enjoy you?"
LOVE you FIRST
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If someone shits on your $1.38 dividend payout, ignore them.
We all start with $0.
Great job on starting and KEEP GOING 💪🏽
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My annual dividend goal for 2023 is to hit $4000.
A lot going on in my personal life right now, so I had to shift around my DCA amounts.
However, I will do whatever it takes to hit $4K.
Winners. Find. A. Way
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I currently invest 19% of my monthly income.
Some may shit on this.
Some may cheer.
I'm just happy that I'm investing. PERIOD.
Keep going, friends.
You deserve financial freedom!
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I’m so close to hitting my goal of $2000 in annual dividends.
What’s your annual dividend goal? 👇🏽
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If you recognize and know this logo, you should be investing 😅
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I’d rather BE rich than LOOK rich.
What about you?
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I get gas from Chevron.
I own shares of $CVX
I drink Starbucks.
I own shares of $SBUX
I run in Nike shoes.
I own shares of $NKE
I do my work on a MacBook.
I own shares of $AAPL
Invest in good quality stocks that you are a consumer of.
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I've made $890.33 in dividends this year so far!
My goal is to make $4000 by the end of the year.
I'm 22.25% there! 💪🏽
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Extremely Grateful to have my breath this morning.
My boyfriend and I got into a terrible car accident last night.
Sandwiched between a big tow truck and a mini SUV.
I wasn’t able to run my half marathon this morning.
Hug your loved ones 💕
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I am not upset that I received $3.04 in $SCHD dividends this month.
Why?
Because it's better than receiving NO dividends at all.
Will be re-investing!
Building day-by-day!
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My first ever investment into the stock market was $110.
Now, I put in $1595/month with no regrets.
Play the long-game and watch compound interest change your life.
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Made $146.62 in dividends in July!
Getting closer to financial freedom day-by-day!
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Bought another share of $O this morning.
I've been prioritizing this stock.
Hoping to have 40 shares by the end of the year.
What stock are you focusing on? 👇🏽
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4 Steps to Grow Your Wealth
1. Get rid of debt ASAP
2. Multiple income streams
3. Passive income
4. Use your money to make more money
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Betting on myself to retire by 2028.
I’ll be 40 years old.
I’m 33 now.
7 years is enough time 💪🏽
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Paid myself first today 🎉
4 shares of $O
4 shares of $MAIN
1 share of $VTI
1 share of $VOO
Did you buy more time today?
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I've made $2,074.12 in dividends so far this year.
I'm 51% closer to hitting my $4000 annual dividend goal.
I'm loving the journey so far 💪
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Started August with buying 6 shares of $SCHD.
On my way to:
Making $4000 annual dividend goal
AND
Becoming a future millionaire 💪
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I invest in:
- ETFs
- Index Funds
- Individual Stocks
- Bonds
- REITS
No crypto
What do you invest in? 👇🏽
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Sat down with one of my girlfriends to talk about money.
She wants to start investing.
I recommended she start with index funds.
What would you recommend? 👇🏽
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Tacos and Medal ✅
I did it! 💪🏽
(2:16:48)
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I started investing at 29.
I started aggressively investing at 30.
Bitten by the investing bug and never looked back.
Start NOW.
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Every week I give myself a pay raise.
How?
I invest in index funds and high-quality dividend stocks.
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Your high net worth doesn’t mean shit if you’re an asshole.
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These are the two holdings I’m focusing on BUILDING in my brokerage account:
$O
$SCHD
What about you? 👇🏽
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“My passive income buys me more passive income” is my love language 🤓
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Making $2000 in annual dividend income was my goal this year.
I hit it.
Next year, I'm aiming to make $4000 in annual dividends.
The decisions and actions I take today will propel me into my future blessings 💪🏽
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I invest in what I consume.
Do you?
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Got my movement in today!
My workout schedule:
Mon - strength training
Tues - easy run
Wed - strength training
Thurs - easy run
Fri - rest
Sat - long run
Sun - rest
I prioritize my health so I can enjoy my wealth 💪🏽
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Just got off the phone with a Community College.
They want me to teach financial literacy to their foster youth population.
Let’s goooooo 🔥
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My goal is to make $7,000 in Annual Dividends this year.
Right now, I'm at $1,670.69
I'm 23.86% there!
Small but mighty steps towards my goal 💪🏽
What's your annual dividend goal this year?
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I didn’t start aggressively investing until I was 30 years old.
Am I upset about it?
No.
Only grateful that I started :)
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Being unhealthy in the US is expensive.
Agree or disagree? 👇🏽
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Do you think a person can start investing at 61 years old?
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There are two ETFs I am focusing on growing this year:
$SCHD
$VOO
Are you focusing on any particular ETFs? Share below! 👇
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You're teaching a personal finance class.
What's the first lesson you will teach? 👇
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I refuse to lower how much I invest each month.
I treat my investment contributions like mandatory monthly bills.
Paying myself first always.
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Annual Dividends
2020 - $20.14
2021 - $1285.07
2022 - $2635.33
2023 - ?
There's a trend here.
There's only one way to go...UP ⬆️
Start NOW and stay consistent.
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Made my first contribution to my 2024 Roth IRA! 💪🏽
Will be buying $VOO, $VXUS, and $O tomorrow when the market opens.
For the remainder of the year, I will:
1️⃣ Make a monthly contribution
2️⃣ Contribute extra money (if possible)
Goal is to make max contribution ASAP.
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Im more excited about investing and saving my money than spending my money.
Few will understand.
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How do you deal with a rude potential client?
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Made a beautiful $11.01 in $O dividends today 😍
Some will say “why so little?!”
I will say “This little is adding to my mountain of growing wealth.”
Pays to have a positive investing mindset 🤓
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Bought another 4 shares of $O today.
Getting closer to financial freedom every time I invest.
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Every time a dividend payment hits, I get one step closer to financial freedom.
I’m so happy I started investing.
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REITS are required to pay out 90% of their taxable income in the form of dividends to their shareholders.
My favorite REIT—$O
What’s yours? 👇🏽
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Current Dividend Goal 💸
Make $2000 in annual dividends this year
Right now, I'm at $1563.10 💪🏽
What is your current dividend goal? 👇🏽
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The two holdings I'm building up right now are:
$O - 50 shares by end of April
$SCHD - 15 shares by end of May
What stocks are you focusing on growing? 👇
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April, you were great to me!
Made $254.20 in dividends! 🎉
All re-invested.
Future millionaire in the making 💪🏽
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My $SCHD dividends finally hit! 😂
A beautiful $32.83.
All reinvested.
Feeling grateful 🥹
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Got paid $20.85 in $O dividends this month!
Your empire starts somewhere.
KEEP 👏🏽 INVESTING 👏🏽
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Morning! ☀️
Went shopping this morning:
1 share $SCHD
1 share $MAIN
1 share $O
1 share $VOO
Did you buy this morning?
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I’m willing to pay $500 for a plane ticket.
I’m not willing to pay $500 for a pair of shoes.
Experiences > materialistic items
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Life Hack 💡
Ask for what you want
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Want to know something funny?
Someone will look at this and say “ONLY $7.83?! That’s NOTHING”
But to me, $7.83 invested is just another step forward towards financial freedom.
GRATEFUL for fractional shares.
They allow people to START investing and STAY invested 💪🏽
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Shifted some things around in my budget so I can DCA $700 into $VTSAX every month.
When I tell you I'm retiring at 40 years old, I ain't playin.
Do whatever it takes!
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Yesterday I did one of the hardest things I’ve ever done in my life—run my very first full marathon!
Not only was it physically taxing, but also a mental mind game.
I said I would never do one again…but knowing me, I’ll be back out there again.
Challenge yourself every day 💪🏽
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It's a wrap for December 2023!
Made $820.56 in December dividends!
Bringing my annual dividends to $4,588.17! 🎉
All dividends have been re-invested to keep the momentum!
When you stay consistent and block out the noise, the results will come.
Proud long-term investor 💪🏽
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Bought 1 share of $O this morning.
That left me with $3.10.
I put that $3.10 towards $SCHD.
EVERY 👏🏽DOLLAR👏🏽 WORKS 👏🏽FOR 👏🏽ME
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