The Cheapskate Investor

'Look after the pennies and the pounds will look after themselves'

***Not bonefide investment advice just my musings***

[The Cheapskate Investor @Cheapsk8_invest]

@grok how do you disable "for you" on X

[Zach Melloh, CFP® @zachmelloh26]

President Trump promised to abolish the federal income tax and replace it with tariffs.

Here are 5 ways it would impact investors: (And why it likely won’t happen)

[Zach Melloh, CFP® @zachmelloh26]

Mismanaging your investments can be a drag on your investment returns.

And The Tax Foundation says 6 out of 10 investors don’t understand basic tax concepts.

Here are 5 ways to keep more of your money: (and give less to Uncle Sam)

[Inverse Cramer @CramerTracker]

Happy Roth IRA contribution day to those who celebrate

[Zach Melloh, CFP® @zachmelloh26]

Asset location in 30 seconds:

- Highest growth investments -> Roth

- Conservative / income producing assets - > Pretax (IE: Taxable bond allocation)

Reason: You’ll have to pay income tax on the balance when you withdraw

- Tax efficient assets - > Brokerage

[Jesse Cohen @JesseCohenInv]

Investment guru Peter Lynch talking about pullbacks in the stock market.

A must watch.

Well worth the 2 mins and 20 seconds.

[Ramp Capital @RampCapitalLLC]

Something I’ve been thinking about lately:

Access to high-quality food has become increasingly difficult, contributing to the obesity epidemic. But beyond food, think about how much has changed since the 1960s—especially in household dynamics.

In the 60s, only about 30% of married couples were dual earners. By 1978, that number rose to 51%, and today it’s around 66%. This shift means more families are juggling long work hours, often with kids, leaving less time for home-cooked meals and more reliance on fast food or takeout.

Contrast that with the 60s, when obesity rates were much lower and home-cooked meals were the norm. My theory? Households with a stay-at-home partner might enjoy better health simply because they have more time to prepare fresh meals.

Research backs this up:

Nutritional advantages: Home cooking is linked to fewer calories, less sugar, and less fat—reducing the risk of chronic diseases.

Improved diet quality: Homemade meals typically include more fruits, veggies, and quality fats and proteins while takeout tends to pack sodium and unhealthy fats.

Portion control and savings: Cooking at home lets you control portions and costs compared to dining out.

Of course, health outcomes depend on many factors, like income and access to quality food, but the connection between home cooking and better health is clear.

Living in a more expensive world, I don’t see the dual earner trend reversing back to the levels from the 60s any time soon.

This raises a crucial question: How can we create a society where people have the time and resources to prioritize healthier living, even in a dual-income world?

[Just a Dude Who Invests @DudeWhoInvests]

Just a reminder that you aren't a genius investor. 👇

It's definitely easy to feel that way when the market is up so much. It keeps hitting new all-time highs and is up damn near another 30% YTD. A rising tide lifts all boats...

When the tide is no longer rising only the strongest boats will remain. This holds true with businesses as well. Make sure you're invested into wonderful businesses at fair prices for the long run and you'll be more than OK. 👍

[Dividend Hero @HeroDividend]

Black Friday reminder:

You didn’t “save $50” if you spent $300. You still spent $300 no matter the original cost of the item

[Zach Melloh, CFP® @zachmelloh26]

When used correctly... HSA’s can COMBINE the tax benefits of:

Roth AND Traditional IRA’s

But I rarely see it being used to its fullest potential...

How to optimize your HSA:

[The Cheapskate Investor @Cheapsk8_invest]

It's FRIYAY cheapsk8 family!! Think of a small downgrade to your plans to stack up a few more 💰💰

[The Cheapskate Investor @Cheapsk8_invest]

IT'S NOT ALL OR NOTHING - CONSIDER A "DOWNGRADE"

Fancy Dinner Out 🍽 $200
⬇️
Modeate Dinner Out 🍔 $100
⬇️
Order Takeaway 🛵 $70
⬇️
Collect Take away 🚶‍♂️🚶‍♀️ $50
⬇️
Cook a nice Meal 👨‍🍳👩‍🍳 $35
⬇️
Drinks/ nibbles at home 🍷 $30

One step down on 🪜 and a few more 💰 in the bank!

[The Cheapskate Investor @Cheapsk8_invest]

JOIN US AT ONE OF THE FASTEST GROWING FINANCE ACCOUNTS ON X*!!

*Past performance is not a guarantee of future returns

[The Cheapskate Investor @Cheapsk8_invest]

This Veg has gone all floppy, it's going in the bin...

NOT IN THIS HOUSE!!

A few days in the sun 🌞 and he is ready to join his friends for dinner 🍽

No food waste: part of the CHEAPSK8 MINDSET!!

[The Cheapskate Investor @Cheapsk8_invest]

GM America!

[The Cheapskate Investor @Cheapsk8_invest]

I always have the same doubt related to HSA. Should I?

A) Expense all the little things straight away. The receipts will get lost or disintegrate in the long run

B) Forget everything until retirement. It will be taxed but not for 20-30 years
@RampCapitalLLC @HeroDividend @DividendDude_X @DecadeInvestor @financialfate

[The Cheapskate Investor @Cheapsk8_invest]

I always have the same doubt related to HSA. Should I?

A) Expense all the little things straight away. The receipts will get lost or disintegrate in the long run

B) Forget everything until retirement. It will be taxed but not for 20-30 years
@RampCapitalLLC @HeroDividend @DividendDude_X @DecadeInvestor @financialfate

[The Cheapskate Investor @Cheapsk8_invest]

True story!!

[Ramp Capital @RampCapitalLLC]

Seeing as it’s an election year, maybe one of the campaigns can tell me why the dependent care FSA limit ($5,000) hasn’t been adjusted for inflation in 38 years.

In today’s dollars it should be $14,384, which for many working parents only covers a fraction of the cost of childcare.

RT and tag your Congressional Representative and/or Senator.

[The Cheapskate Investor @Cheapsk8_invest]

Just finished Re-educated by @lucykellaway

Biggest takeaway: How is it possible to have to only have ONE career and ONE set of training for a working life than will span 50+ years?

Great read

[The Cheapskate Investor @Cheapsk8_invest]

Hadn't seen this, makes total sense

[Martin Lewis @MartinSLewis]

It's time to ban unnecessary Christmas presents - for less cost, less stress, more joy. Here's why (from @itvMLshow), spread the message if you agree...

[Martin Lewis @MartinSLewis]

It's time to ban unnecessary Christmas presents - for less cost, less stress, more joy. Here's why (from @itvMLshow), spread the message if you agree...

[The Cheapskate Investor @Cheapsk8_invest]

@Turki_alalshikh

Thank me later

@Klitschko vs Itauma

To create the OLDEST or the YOUNGEST hw champion ever