Patrick Stephenson

[Patrick Stephenson @Patrick84092]

Guys do you think if I give Af police my Lego mini figure from my key chain I can get out of a ticket?

[Patrick Stephenson @Patrick84092]

@realsaltlake God job boys!!! Great game.

[Brennan Schlagbaum, CPA @Budgetdog_]

After 13 years in finance & helping 3,000+ families gain millions in net worth, here are the best money tips I wish I knew when I started:

1. Stop saving money. Start investing it

2. You only need 25x your annual expenses to never work again

3. 90% of investors can't beat a simple ETF, so don't try to beat them

4. You only need 1-5 ETFs for your entire portfolio. I like $VTI, $VWO, and $VXUS

5. Auto-invest on payday. Willpower isn't a financial strategy

6. Keep investment fees under 0.2%

7. IULs are a scam. Stay far away

8. Whole life insurance is a scam. Stay far away

9. Buy term life insurance and invest the difference

10. Add umbrella insurance once you're worth $500k+

11. The tax code is 6,871 pages of loopholes

12. Hire a CPA before you think you need one

13. Adjust your W-4 to break even. Stop giving the IRS a 0% loan

14. Tax loss harvest when your stocks are down. Losses carry forward forever

15. Set "maximums" for monthly discretionary spending

16. Set "minimums" for monthly investing & debt payoff

17. Use Vanguard, Fidelity, or Schwab to invest

18. Audit your subscriptions every quarter. The average family finds $2k/mo of leaks

19. Max your HSA

20. Max your 401k

21. Max your Roth IRA

22. Use a Backdoor Roth IRA if you earn too much

23. Use a Mega Backdoor Roth if you want to invest more

24. $300/mo in the right accounts can make your kid a millionaire

25. Open a 529, Parent Taxable Brokerage, & Roth IRA as soon as they're born

26. Add them as an "authorized user" on your credit to boost their score & history

27. Don't pay more than 5x gross income for a home

28. Don't pay more than 25% of take-home on housing

29. Don't buy unless you're staying 5+ years

30. One extra "principal only" payment per month can save $150k & 7 years on a 30-year mortgage

31. Never carry a credit card balance

32. Never finance furniture

33. Never finance a wedding

34. Never lease a car

35. You will never out earn bad habits

36. It doesn't matter what you make. It matters what you keep

37. Choosing a great spouse is the highest-ROI decision you'll ever make

38. Boring investments pay for exciting lives

Apply these 38 and you won't recognize your finances 12 months from now.

Send it to someone who could use it...

And follow me @budgetdog for more family finance content 🤝🏻

[Patrick Stephenson @Patrick84092]

@IHateSoccerPod What makes me think soccer is never going to happen and not about developing talent. Is when in the initial high school soccer team info session they ask for donations. And then talk about tryouts. So if you want your kid to make it they need to donate.

[Patrick Stephenson @Patrick84092]

With all the problems in the world I am glad this bill is being pushed.

Thanks Kirk Cullimore R sandy

https://t.co/fZ7jJvbIG0

[Patrick Stephenson @Patrick84092]

@rauchg @vercel @aisdk @v0 @nextjs Expo - ability to vibe code a published app on the apple store.

[Patrick Stephenson @Patrick84092]

@rauchg @vercel @aisdk @v0 @nextjs How about a https://t.co/21HmnzVn51 that is usable? I try to vibe code on it and get really close to a small usable website then ask it to change some text or something and it rewrites the whole website and look at feel of every page.

[Patrick Stephenson @Patrick84092]

I counted about half of the 74 messages were to fix bugs that it created.

[Patrick Stephenson @Patrick84092]

@v0

[Patrick Stephenson @Patrick84092]

Fievel Is my favorite mouse.

[Patrick Stephenson @Patrick84092]

@utahhockeyclub Hey can we add the cast feature? I would love to chromecast to watch the games with the family. @utahhockeyclub @RyanQualtrics

[Patrick Stephenson @Patrick84092]

@RyanQualtrics @deltacenter There are 5 of us

[Patrick Stephenson @Patrick84092]

@RyanQualtrics @deltacenter My family

[Patrick Stephenson @Patrick84092]

@rauchg Well now I feel dumb I have ideas but can’t get ai to help me get to the finish line. Ai is only good for static pages and forms. I get too many errors when coding with ai.

[Patrick Stephenson @Patrick84092]

The amount of whistleblowers that are being found dead in the USA is a sign of oligarchy and corruption. Corporate profit over life and safety is a sign of government priority shift from the people to oligarchy and corporate profit

[Patrick Stephenson @Patrick84092]

@rauchg Can you get it to work mobile?

[Patrick Stephenson @Patrick84092]

@rauchg @vercel v0 should tell the user to install the version that it knows and never tell the user to install the latest. . . . . In anything they will help coding errors for us newbies.

[Patrick Stephenson @Patrick84092]

@vercel @rauchg do you know when v0 will have tailwind V4?

Also if v0 is not up to date with schadcn components then it should never tell me to install latest. It should tell the user to install the version that it knows. If not it creates errors due to version differences

[Patrick Stephenson @Patrick84092]

@rauchg @vercel @rauchg that is great to hear because I was using premium v0 and I was getting shadcn erros that it could not fix due to version differences. So v0 is not usable for a non programmer like myself.

[Patrick Stephenson @Patrick84092]

Panama 51st state of the united states. #panama51