Tubb Ramos

I focus on wealth accumulation and inspiration through positivity

[Davinci Jeremie @Davincij15]

People don't want money.

They want freedom.

[19keys @19keys_]

During darkness times remind yourself “who you are.”

[Tubb Ramos @TubbIsBack]

I agree My Brother! ✊🏿

[19keys @19keys_]

I don’t listen to negative things about Black Men

because when we do positive things NO ONE CARES

You can’t IGNORE our GOOD while highlighting our BAD.

That’s misrepresentation & narrative warfare.

[Tubb Ramos @TubbIsBack]

🎯

[Wallo267 @Wallo267]

Stay patient with results and aggressive with discipline.

[Tubb Ramos @TubbIsBack]

@stunnabreezy3 Out of control. Smh

[Tubb Ramos @TubbIsBack]

@EmilySm43 GOD!!

[Tubb Ramos @TubbIsBack]

@IAmSteveHarvey Things I can't control

[Tubb Ramos @TubbIsBack]

One who studies himself honestly, finds it easy to be silent about others.

[Tubb Ramos @TubbIsBack]

The man who has learned to pray and reflect, looks on self-perfection as his first and highest business.

[Tubb Ramos @TubbIsBack]

Reflect often on the eternal purpose of your earthly life.

You have to be a spiritual man to reach this goal.

[Tubb Ramos @TubbIsBack]

The soul is not a storage device. It is a vessel of discernment.

[Tubb Ramos @TubbIsBack]

@slim_ma97 You right about that

[Tubb Ramos @TubbIsBack]

@IAmLilRico Shows you how much things have changed 🎯

[Tubb Ramos @TubbIsBack]

@Chrissssjohnson This right here is the one! ✊🏿💯

[Tubb Ramos @TubbIsBack]

@The_MMW I agree! 🎯

[Tubb Ramos @TubbIsBack]

@drboycewatkins1 Definitely need to focus! ✊🏿🎯

[Tubb Ramos @TubbIsBack]

@Wallo267 Facts! 🎯

[Tubb Ramos @TubbIsBack]

Great Plan

[Brennan Schlagbaum, CPA @Budgetdog_]

If you die without a plan...

- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps

If you love your family, here's every document you need to protect them:

(from a CPA & father of two)

1) Emergency Access List

This should include:

-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code

Keep a digital & physical version for safety...

And make sure your spouse has access.

2) Legal Documents

-> Will (name guardians for kids)
-> Durable Power of Attorney
-> Healthcare Power of Attorney
-> Living Will/Healthcare Directive

Setting all of this up costs about $500...

($1,500 with an attorney)

But without them, the state decides everything.

3) Money Protection

Your family will need time to mourn.

Make sure they can do it without going broke:

-> Term life insurance (10x income)
-> Emergency fund (6-12 mo in a HYSA)
-> Retirement accounts with spouse access

4) The "First 48 Hours" Sheet

Write down clear instructions for your family:

Call this attorney: [Name/Number]
Call this CPA: [Name/Number]
File life insurance claim here: [Details]
Don't touch investments for 6 months
All bills are on autopay from [Account]

Grief destroys decision making.

This protects them.

5) Business Owner Addition

If you have a business, set up:

-> Buy sell agreements
-> Key person insurance
-> Business succession plan
-> Separate LLC owned by trust

If your company can't survive without you...

It's a 9-5 with extra steps.

6) Trust Setup

A proper trust can save your family $400k+ in probate costs.

But 90% of them are set up wrong:

-> Assets never get transferred in
-> Beneficiaries aren't updated
-> Pour-over will is missing

Here's how to fix that:

"Bulletproof" Trust System:

1) Revocable Living Trust
-> Avoids probate completely
-> Keeps finances private
-> Protects kids' inheritance

2) Pour-Over Will
-> Catches forgotten assets

3) Guardian Designation
-> Who raises your kids
-> How they get paid

Setting this up takes a weekend...

But ignoring it could cost your family everything.

So start before you're ready...

Because no one plans on dying.

Hope this helps!

Share with your spouse if you want to set this up...

And follow me for more 🤝🏻

[Tubb Ramos @TubbIsBack]

@Wallo267 True story 🎯💯

[Tubb Ramos @TubbIsBack]

@Tip @Pharrell @RIAA @EMPIRE Congratulations My Brother!
💯🎯🔥