Mario Ramirez

Thoroughbred Advisors

[Mario Ramirez @_ramirezmario]

What’s one money decision you wish you made five years ago?

[Mario Ramirez @_ramirezmario]

Your paycheck builds your lifestyle.

Your investments build your future.

Don’t confuse the two.

[Mario Ramirez @_ramirezmario]

Your paycheck builds your lifestyle.

Your investments build your future.

[Mario Ramirez @_ramirezmario]

The market rewards patience. Wealth rewards discipline.

[Mario Ramirez @_ramirezmario]

Happy Mother’s Day to the women who taught us love, strength, and sacrifice. Forever grateful. 🤍

Feliz Día de las Madres a las mujeres que nos enseñaron el amor, la fuerza y el sacrificio. Siempre agradecido. 🤍

[Mario Ramirez @_ramirezmario]

Most people chase what they can make and ignore what they can keep. Taxes, liquidity, and protection decide everything long term. That’s the real game.

[Mario Ramirez @_ramirezmario]

Wealth isn’t built from chasing returns, it’s built from controlling taxes, protecting downside, and keeping your capital in motion. Most people focus on growth and ignore everything else. That’s where the gap is.

[Mario Ramirez @_ramirezmario]

Everyone wants the Rolex, the G-Wagon, the penthouse view, few commit to the structure that affords it.

Wealth is built quietly through discipline, controlled spending, and consistent allocation over time.

[Mario Ramirez @_ramirezmario]

Prices aren’t going back to what they were.

So the real question is… did your income and strategy level up too?
If not, you’re falling behind quietly.

[Mario Ramirez @_ramirezmario]

People will spend years working hard
But avoid one uncomfortable conversation about money

That one conversation could change everything.

[Mario Ramirez @_ramirezmario]

You don’t need more information, you need more execution.

Most people already know what to do with their money. Save more. Spend less. Invest consistently. They just don’t do it long enough for it to matter.

The gap isn’t knowledge, it’s consistency.

[Mario Ramirez @_ramirezmario]

The strongest financial move is often the least exciting one:
Save consistently.
Protect wisely.
Stay patient.

[Mario Ramirez @_ramirezmario]

Money does not buy happiness, but it does buy options, time, and peace of mind.

What you do with that freedom is what matters.

[Mario Ramirez @_ramirezmario]

Wealth usually grows quietly before it becomes visible.

Do not underestimate small monthly decisions done consistently.

[Mario Ramirez @_ramirezmario]

Being rich is having strong cashflow today.

Being wealthy is owning assets that create cashflow forever.

One is earned.
The other is built.

[Mario Ramirez @_ramirezmario]

Since there is all this snow I wanted to explain what the snowball effect is.

What is the snowball effect?

It’s when the small deposits you barely notice turn into the momentum that changes your whole financial life. Consistency first, results later.

[Mario Ramirez @_ramirezmario]

The person you’ll be in 10 years is watching your habits today.
Save. Invest. Protect.
Thank yourself later.

[Mario Ramirez @_ramirezmario]

The best advice I can give: build discipline before you try to build wealth. Your habits will take you further than any hot investment ever will.

[Mario Ramirez @_ramirezmario]

Your income got you here.
Your strategy will decide how long you stay.

Most people focus on making more money.
My clients focus on keeping more, growing it tax-efficiently, and turning it into lifetime income.

That’s the difference between high earners and real wealth.

[Mario Ramirez @_ramirezmario]

The average person spends about $150 to $200 on Valentine’s Day and if that was invested every year at 8% it could turn into more than $20,000 over time, but hey money will grow again memories won’t so still spoil your significant other a little and enjoy the day ❤️