Nicholas Jenkins

Empowering Christians Through Faith-Centered Financial Planning & Business Ventures | LSU alum 🐯 | Habakkuk 2:3 👑 | Tweets ≠ advice

[Nicholas Jenkins @NicholasTreyJ]

@T_Rey_19 @AdvisorJobs Out of curiosity, have you been able to keep it mostly solo, or do you have a small team? I'm really interested in learning more about the lifestyle practice model and the different ways people structure it.

[Nicholas Jenkins @NicholasTreyJ]

This is one of the things I've been struggling with most in my faith. I feel like I'm always asking, "God, why?" instead of trusting His timing. I really needed this reminder and I appreciate you sharing it.

[Wes Huff @WesleyLHuff]

If I'm honest this has been a hard season for me lately. I've been struggling with trusting God's timing. I was reminded when reading Psalm 37 today that I am to be still before Yahweh and wait patiently. That Yahweh is good to those who wait for him and seek him, and it is good to wait quietly for God’s salvation (Lam. 3:25–26). This quiet waiting involves hoping in God’s word while the soul waits more intensely than watchmen awaiting morning (Psalm 130:5–6).

I was reminded that prior to preaching to thousands, for a season Peter went back to fishing after thinking he failed Jesus. That Paul sat in prison cells, Lazarus lay in a tomb, Jonah prayed in the belly of a fish, Hannah wept on the steps of the tabernacle, Joseph was locked in the captivity, and Moses stood in the fields of Median herding sheep. All before God made moves in his timing.

Times of waiting, while hard, remind us of the confidence we should have in God’s timing and character. When direction seems slow in coming, we're called to wait for it, assured it will come when the time is ready (Hab. 2:3). Yahweh himself waits to be gracious and show mercy, and those who wait for him are blessed, for he is a God of justice (Isa. 30:18). Rather than taking matters into their own hands, like I often am tempted to do, we are instructed not to repay evil but to wait for the Lord, who will deliver us (Prov 20:22).

Hoping for what is unseen involves waiting with patience (Romans 8:25), and through the Spirit and faith, believers eagerly wait for the hope of righteousness (Galatians 5:5). Waiting involves expectancy and hope regarding events and contingencies still in the future, it's the outworking of a spiritual posture directed at trusting God’s promises and timing rather than our own understanding.

Knowing all of this, writing here on X doesn't make my season of needing to wait any easier, but the consistent, inspired, inerrant testimony of scripture nonetheless gives me something solid to trust in. I am fickle, impatient, and finite. God is trustworthy, forbearing, and infinite. And his timing is right even if I don't know how or when things will happen.

[Matt Gottshall, CFP®, ECA @matt_gottshall]

"Won't AI just replace financial advisors?"

I hear some version of this almost every week now

It's a very fair question, and something that is on my mind too, but here is my honest take:

AI is going to be incredible at what the average financial advisor does:

- Running basic retirement projections
- Generic portfolio not tailed to clients or tax conscious
- Telling clients to limit withdrawals to 4% in retirement

The advisors who are not specialists and doing basic level planning should be nervous about this wave...

But after 10 years of doing this work, here's what I know:

People don't lie awake at night thinking about the Monte Carlo simulation that you ran

They lie awake over:

"Did I make the right call leaving that job?"
"Are we okay if something happens to me?"
"Am I being a good steward of this for my kids?"
"Am I optimizing my financial resources to work for me?"

AI can give you an answer... but it doesn't want to take accountability for giving advice

It can't sit with your spouse after a diagnosis and make sure their affairs are handled

It can't talk you off the ledge when the market drops 20% and your gut says sell

It can't know your family the way a real relationship does, and be able to help you feel fully confident you are doing what is right for you

The future to me isn't about good advisors being replaced... it's about good advisors leveraging AI and tech to allow them to focus way more heavily on the "human stuff" that we do

[Peter Mallouk @PeterMallouk]

The most valuable things parents pass on aren't found in a trust fund.
They're found in daily habits, values, and examples.
What would you add to this list?

[Brian Armstrong @brian_armstrong]

I think it’s time to revisit the accredited investor laws in the US.

Companies are staying private longer, where only accredited investors (aka rich people!) can invest. Retail investors can only come in after IPO, when much of the upside has already been captured.

These rules were created with the best of intentions, to protect regular people from scams - a noble idea. Unfortunately, in practice they've often made it illegal to get richer, unless you're already rich. A regressive tax!

We have to judge policies based on their outcomes, not on their intentions.

These are two possible routes I see:

1) Replace the rule with something merit-based, like a financial literacy test. Pass it and you're accredited. Having a qualification based on competency rather than your bank balance or income seems far more fair.

2) Remove the rule entirely. Let consenting adults assess their own risk. Disclosure requirements stay and fraud enforcement stays to punish bad actors.

[J.C. Parets @JC_ParetsX]

I'm not a Knicks fan. But I'm really happy for the Knicks, Knicks fans everywhere and New York City. They deserve it.

[James Clear @JamesClear]

Be forgiving with your past self. What's done is done. No sense in beating yourself up about it.

Be strict with your present self. Win the moment in front of you right now.

Be flexible with your future self. There are many paths to success. You don't need life to be a certain way to live well.

[Nicholas Jenkins @NicholasTreyJ]

Madison Square Garden is living up to the "Mecca of Basketball" nickname. I knew a Knicks Finals game would be crazy, but not this crazy 🤯

[The Kobeissi Letter @KobeissiLetter]

It's official.

Game 3 of the NBA Finals between the New York Knicks and San Antonio Spurs is now the most expensive NBA game in history.

The cheapest ticket available? $10,622 per seat.

This game will shatter every previous record by a mile.

[litquidity @litcapital]

AI companies would have better public support if ordinary US citizens were able to invest in the upside of generational businesses that threaten their livelihoods instead of being given the opportunity to enter at a frothy $1 trillion+ valuation that mints billions for VCs

[Joe Rogan @joerogan]

This was one of the most interesting conversations I’ve had in a while.
Michelle Thaller a wealth of fascinating information about space, time and all things the cosmos. And she’s an incredibly compelling speaker. These kinds of podcasts are some of my favorites

https://t.co/3dvFM9VXct

[Nicholas Jenkins @NicholasTreyJ]

Wow, very well said.

[🍂 @Lovandfear]

In fact, a mature person does not fall in love, he rises in love. The word ‘fall’ is not right. Only immature people fall; they stumble and fall down in love. Somehow they were managing and standing. They cannot manage and they cannot stand they find a woman and they are gone, they find a man and they are gone. They were always ready to fall on the ground and to creep. They don’t have the backbone, the spine; they don’t have that integrity to stand alone.

A mature person has the integrity to be alone. And when a mature person gives love, he gives without any strings attached to it: he simply gives. And when a mature person gives love, he feels grateful that you have accepted his love, not vice versa. He does not expect you to be thankful for it — no, not at all, he does not even need your thanks. He thanks you for accepting his love. And when two mature persons are in love, one of the greatest paradoxes of life happens, one of the most beautiful phenomena: they are together and yet tremendously alone; they are together so much so that they are almost one. But their oneness does not destroy their individuality, in fact, it enhances it: they become more individual.

Two mature persons in love help each other to become more free. There is no politics involved, no diplomacy, no effort to dominate. How can you dominate the person you love? Just think over it. Domination is a sort of hatred, anger, enmity. How can you think of dominating a person you love? You would love to see the person totally free, independent; you will give him more individuality. That’s why I call it the greatest paradox: they are together so much so that they are almost one, but still in that oneness they are individuals

Their individualities are not effaced they have become more enhanced. The other has enriched them as far as their freedom is concerned.

Immature people falling in love destroy each other’s freedom, create a bondage, make a prison. Mature persons in love help each other to be free; they help each other to destroy all sorts of bondages. And when love flows with freedom there is beauty. When love flows with dependence there is ugliness.
— Osho

[Thomas Kopelman 💵 @TKopelman]

I talk to a lot of people who consider themselves "very risk averse"

- They keep large amounts of cash
- They rush to pay off low interest debt
- They avoid the market because they are worried about volatility

Yet when we zoom out, their biggest risks are completely unaddressed

- No disability insurance
- Very little life insurance
- Auto and homeowners with low liability coverage
- No umbrella coverage
- No estate plan

This is where risk gets misunderstood

Risk is not just about the market going down

Risk is anything that can permanently damage your financial life:

- Losing your ability to earn income
- A lawsuit that exceeds your coverage
- A death that leaves your family financially exposed
- Inflation eating away at your wealth
- An outdated or nonexistent estate plan that creates chaos.

Ironically, many people eliminate small, temporary risks
and ignore the ones that can truly wipe them out

Holding cash feels safe, avoiding the market feels safe

But ignoring real risks is not conservative, it's just incomplete planning

True risk management is about protecting against what actually matters

[Attraction Matriarch @TheXMatriarch @TheXMatriarch]

The best thing you can do for your children is love one another in front of them!

[Thomas Kopelman 💵 @TKopelman]

And you thought it was great to hold cash and get 4%

You have to buy and hold assets to not get crushed by inflation long term

[Lala @hermithick]

lebron venting to this kid is the funniest thing i’ve seen in awhile

[Nicholas Jenkins @NicholasTreyJ]

@grok @TheICHpodcast This spearheads so many different ethical decisions in so many directions for humanity that that question can't really be answered without proper research and planning.

[Nicholas Jenkins @NicholasTreyJ]

Oh I don't know. Devaluing the journey of human bonding. What makes love special is not always life being perfect. Relationships go through so many things throughout life and is what makes some people who are married truly feel like they are "ONE" if they battle life together and survive it still standing.

[Nicholas Jenkins @NicholasTreyJ]

@grok @TheICHpodcast This could create damage to humanity in so many ways.