Real Money Moves

Content Creator and ETF nerd empowering investors to build wealth on their own terms. Not financial advice. No DMs.

[Real Money Moves @Real_Money_Blog]

See The Best Performing Mutual Funds Of All Time

👉 https://t.co/7MyqRT41r3

We ranked the all-time record holders, 20-year survivors, and 10-year leaders.

The winner pulled 29.2% annual returns.
A $10,000 investment would've become ~$280,000.

The numbers are wild.

[Real Money Moves @Real_Money_Blog]

@travisdelzell An important lesson, lol.

They really come in handy when it comes to sequence of returns risk.

But thats not important for most until 10-15 years before retirement.

[Real Money Moves @Real_Money_Blog]

The old “Rule of 100” is outdated.

Today it’s the Rule of 120:

Bonds shouldn’t even enter your mind until at least age 20, and they should be no more than 10% of your portfolio by 30.

[Real Money Moves @Real_Money_Blog]

@MonkModeCapital Lol, if youre not within 10 or 15 years of retirement,

thats probably not a bad move.

[Real Money Moves @Real_Money_Blog]

@HunterAllen4

[Real Money Moves @Real_Money_Blog]

“Being too far ahead of your time,

is indistinguishable from being wrong.”

— Howard Marks

[Real Money Moves @Real_Money_Blog]

The old “Rule of 100” is outdated.

Today it’s the Rule of 120:

Bonds shouldn’t even enter your mind until at least age 20, and they should be no more than 10% of your portfolio by 30.

[Real Money Moves @Real_Money_Blog]

$MSFT is an enterprise infrastructure company built on entrenchment, integration, and switching cost.

Its core advantage is simple:
Businesses operate on top of Microsoft products.

Across Windows, Microsoft 365, and Microsoft Azure, Microsoft has constructed a full-stack ecosystem that reduces decision-making friction for enterprises to near zero.

That creates three durable advantages:

1. Operational lock-in: Replacing Microsoft means disrupting workflows, retraining staff, and risking system stability

2. Ecosystem bundling: A single vendor solution across OS, productivity, cloud, identity, and security

3. Default positioning: Embedded in procurement, IT standards, and long-term contracts

This moves beyond preference, into infrastructure-level dependence.

Competition exists, but it is fragmented:

-Amazon Web Services leads in cloud scale
-Google competes in productivity

Neither replicates Microsoft’s end-to-end enterprise integration, which is where the moat actually lives.

[Real Money Moves @Real_Money_Blog]

@drayinvests

[Real Money Moves @Real_Money_Blog]

@HunterAllen4 Thanks bro 🤝

[Real Money Moves @Real_Money_Blog]

"If you think you're so good that you can pick stocks and beat the index, give it a try!

Learn the hard way...
Virtually no one beats the index."

— Kevin O'Leary

[Real Money Moves @Real_Money_Blog]

@freedombill3 It works 🤌

[Real Money Moves @Real_Money_Blog]

"To invest successfully, you need not understand beta, efficient markets, modern portfolio theory, option pricing, or emerging markets.

You may, in fact, be better off knowing nothing of these"

— Warren Buffett

[Real Money Moves @Real_Money_Blog]

@MikeSchiemer @MatthewSpositi @orryano @LazaroInvestor @JohnProv1 @CaffeineCraig @ElijahColeman21 @tropicaltrader7 @DivDegenerates @Cash_D66 @cashflow_king94 @thefrugalexpat1 @MFT_Get_Funded @RealSPXSniper @OnaCarlosX @InvestifyDaily @EdgeReport91 Thank you Mike! 🤝

[Real Money Moves @Real_Money_Blog]

@KingMakerIQ @earnlearninvest @loveleesfinance @SandraMushale @Dividend_Engine @DivIncomeBcast @ArchitectIncome @Financewisdom01 @Mindset4Money_X Much obliged Mr King 🫡🥳

[Real Money Moves @Real_Money_Blog]

@BrutusVTI I can relate. 💯

Math has always been one of my favorite tools, but probabilities are not facts.

You can’t put an equation to chaos and expect precision every time.

What you can do is improve your odds, then make the best decision you can with the information available.

[Real Money Moves @Real_Money_Blog]

It really can be this simple🤷‍♂️

[Real Money Moves @Real_Money_Blog]

“The secret for success in investing

is buying things for less than they’re worth.”

— Howard Marks

[Real Money Moves @Real_Money_Blog]

@morrison_r Correct 👌

[Real Money Moves @Real_Money_Blog]

When Dave Ramsey was asked,

“What’s wrong with having a credit card if you pay the balance every month?”

his response was simple:

Most people don’t.

[Real Money Moves @Real_Money_Blog]

@Dboybruh You must, or avoid them entirely.

[Real Money Moves @Real_Money_Blog]

"Yes, the market goes down.

But when you’re dollar-cost averaging, downturns let you buy more shares of great companies at lower prices.

Bonds rob you of that opportunity."

— Paul Merriman

[Real Money Moves @Real_Money_Blog]

@PSInvestor @MidlClassMoney Start at the driving range 🫡

[Real Money Moves @Real_Money_Blog]

@CMtalks_