Joe Baltz

BBQ fanatic and have the gut to prove it. It’s great to be a Tennessee Vol!

[Ace Makes Cents @AceMakesCents]

My neighbor finished paying off her house in 2024.

She bought it in 1994 for $78,000. Thirty years of payments at $593 a month.

She's 74 now. Social Security pays her $1,910 a month. That's $22,920 a year.

The place two doors down sold for $615,000 last spring, so the county reassessed hers to match.

Her tax bill this year: $8,100. That's $675 a month.

She paid $593 a month to buy the house.

She pays $675 a month to keep it.

Thirty years of payments ended and the bill went up.

The deed says she owns it. The county bills her like she's renting.

[Joe Baltz @JoeBaltz]

@DvdndDiplomats

[Joe Baltz @JoeBaltz]

The future is doomed.

[NoLimit @NoLimitGains]

The average 401k balance is $167,970.

The median is $44,115.

4.6 million accounts, Vanguard's 2026 report.

Here's what the middle person has:

Under 25: $2,234
25 to 34: about $16,000
35 to 44: about $40,000
45 to 54: about $68,000
55 to 64: $84,700
65 and older: $103,202

That last one is the number.

$103,202 at a 4% withdrawal is $4,128 a year. $344 a month.

Fidelity says you should have 10x your salary saved by retirement. On a $60,000 income that's $600,000.

The median 65 year old has 17% of it…

28% of Vanguard 401k accounts hold less than $10,000.

And 25.8% of Gen X savers currently have a loan out against theirs. Highest of any generation.

So the typical American is retiring on $344 a month plus Social Security, and the average number everyone posts makes it look 4 times better than that.

Follow me with notifications on so you know when I make a new move in the market. This is very important.

If you don’t, you will regret it later. Your choice.

[Tennessee Football @Vol_Football]

Dobbs to the house 💨

#NFLVols

Stream on @NFLPlus

[Lethal Shooter @LethalShooter__]

God Please Remove Anyone In My Life Who Don’t Want Me To Win.✅

[Joe Baltz @JoeBaltz]

@BiggzyRips Load up on the SPX for me!

[Joe Baltz @JoeBaltz]

@DaCardShop @XMoney I’m all eyes and ears! Sounds great.

[Spencer Pratt @spencerpratt]

Isn’t it weird how unsubsidized consumer goods like TVs, appliances, clothes, all get cheaper and cheaper…while anything government puts its hands on, healthcare, housing, food, tuition, cars, utilities…just gets more and more unaffordable?

Oh well. Probably nothing.

[NoLimit @NoLimitGains]

Day trading is a scam.

Long-term investors always win.

[Cernovich @Cernovich]

Believe it or not, when I was telling people to get those 3% loans while they lasted, all of the reply guys were claiming housing was in a bubble and was going to crash.

[Joe Baltz @JoeBaltz]

@BiggzyRips Do you need cheaper singles for your WhatNot show?

[ESPN Cleveland @ESPNCleveland]

10 years ago today. Champions forever.

Relive the final 3:39 of Cavs vs. Warriors from 2016.

[Joe Baltz @JoeBaltz]

What an event! Congrats to @Justin_Gaethje for making it happen!

[Mostly Peaceful Memes @MostlyPeaceful]

Sorry, no amount of propaganda is gonna convince people that this sucks

[Spinnin Backfist @SpinninBackfist]

FULL CARD FOR THE DAY BOYS

LETS GOOOOOOOOO
#UFCWhiteHouse

[Joe Baltz @JoeBaltz]

@BiggzyRips I should have went! I enjoy your content and that’s where I’m at.

[Joe Baltz @JoeBaltz]

@Jylesss Really surprised at the lack of vintage in the replies! Probably my favorite card.