Andy Brown

My opinions are not financial advice.
BDM, CMG Financial | All In One Loan Finance | NMLS#1820 Equal Housing Opportunity

[Andy Brown @acuathlete]

Before a household can prosper in the longer term, it must first be able to survive in the short term.

[Andy Brown @acuathlete]

@SaraEisen Well the silence didn't last long.
https://t.co/HJMXGvVwis

[Andy Brown @acuathlete]

@GrowthwealthBP @iamcoriarnold You would need a pre-tax rate of return of 7.5%-9.5% in this scenario to achieve the 5.75% gauranteed rate of return of paying down the mortgage. The reason most don't pay down the mortgage is loss of liquidity.

[Andy Brown @acuathlete]

@FirstSquawk @grok is this true? Can you cite the source?

[Andy Brown @acuathlete]

@CryptoTaxFixer This is not true. You cannot be liquidated if the price of Bitcoin decreases.

[Andy Brown @acuathlete]

@nopostacabron19 City Connect is only worn in home games. Should be white jersey right?

[Andy Brown @acuathlete]

@grok @ramit Is that adjusted for inflation?

[Andy Brown @acuathlete]

@grok @ramit So if the $200k investment as stated in the post was used on a down payment to purchase a $1m home, they would have $4.1m vs the $1.6m. Seems like the home might be a better investment.

[Andy Brown @acuathlete]

@TheOneandOmsy Why is nobody mentioning that this is comparing monthly rate caps to a yearly treasury yield?

[Andy Brown @acuathlete]

@greiser Try an All In One Loan. If you owe money on a mortgage, replace it with an AIO and park your idle funds against mortgage principal while retaining access to the funds 24/7. Saves interest at the rate of your mortgage which is more than you can earn in interest bearing accounts.

[Andy Brown @acuathlete]

@Budgetdog_ This is a great post and so true. Another path to creating cashflow is a reduction in debt. Debt service inhibits cashflow and by reducing payments, cashflow can be increased.

[Andy Brown @acuathlete]

Total Gross income required for this home is $147,518. A married couple filing jointly with a household income of $130,728 in 2025, the estimated federal income tax would be approximately $11,988.16. If the couple resided in California the estimated state income tax would be approximately an additional $4,802.46.

[Andy Brown @acuathlete]

@Budgetdog_ Well said.

[Andy Brown @acuathlete]

@Blind__Luck Amortized interest

[Andy Brown @acuathlete]

@iluminatibot Unfortunately this does not work but try something that does.
https://t.co/vyOICVUlGB

[Andy Brown @acuathlete]

@T_Gatzemeier A cash dividend is realized payback however which does decrease your risk and cost basis associated with the stock. Since it is realized it could technically increase your net worth, no?

[Andy Brown @acuathlete]

@jackiekenoyer Preach! When deciding whether to invest or pay down debt first, the guaranteed return of paying off debt is usually the best decision for most households. The increase in cash flow with the same income is a huge win.

[Andy Brown @acuathlete]

@scenicnights Big time Celsius vibes. Be careful.

[Andy Brown @acuathlete]

Net Worth = Assets - Liabilites

Paying off debt has exactly the same effect on Net Worth as accumulating assets. Dollar for dollar.

The guaranteed return of paying off debt is usually the best decision for most households. The increase in cash flow with the same income is a huge win.

[Andy Brown @acuathlete]

@iamcoriarnold Net Worth = Assets - Liabilites
Paying off debt has exactly the same effect on Net Worth as accumulating assets. Dollar for dollar.

The guaranteed return of paying off debt is usually the best decision for most. The increase in cash flow with the same income is a huge win.