Brandon Ledyard

Husband, Father, Cleveland sports fan, Cleveland Browns 8X Champs, Indians 2X Champs, Cavs 2016 Champs, Jackson State & WMU grad and member of Omega Psi Phi.

[Brandon Ledyard @BrandonLedyard]

I had you playa. Had to think twice about Darren Williams though. OH-

[Michael Redd @MichaelRedd_]

Heard a lot of people are losing this challenge because of me. …sorry? 😂

[Brandon Ledyard @BrandonLedyard]

@DevaronPerry Cavs should make this trade. Gives Dallas two expiring contracts and a young player.

[Brandon Ledyard @BrandonLedyard]

Make this happen with DeRozan and this.

[Mack Perry @DevaronPerry]

👀

[Brandon Ledyard @BrandonLedyard]

Have to include Mary J and Tony Rich.

[Carron J. Phillips @carronJphillips]

Bobby V
Jodeci
Ginuwine
Leon Thomas
112
Teedra Moses
dvsn
Maxwell
Carl Thomas
Floetry
The Dream
Xscape

[The Tennessee Holler @TheTNHoller]

PASTOR LORAN LIVINGSTON (@CentralChurchNC): “There has never been a Christian nation, and never will be. You don’t live in one now. A Christian nation wouldn’t have killed and displaced 20 million Native Americans, or thought owning slaves was pleasing to God.”

[Brandon Ledyard @BrandonLedyard]

I always find your posts very beneficial and they are inspiration for me.

[Ben Kelly @benkellyone]

If I lost my job tomorrow & had to replace my salary in the next 12 months, here's exactly what I'd do:

1. Go to Claude. Enter this prompt:

[Brandon Ledyard @BrandonLedyard]

What about a plumbing and electrical company? Are they boring enough?

[Ben Kelly @benkellyone]

7 businesses I'd buy today if I were starting over:

1. HVAC companies
2. Mobile car detailing
3. Waste management
4. Commercial cleaning
5. Property management
6. Medical billing services
7. Landscaping companies

Boring. Profitable. Recession-resistant.

[Brandon Ledyard @BrandonLedyard]

I just donated to Rudolph W Snowden Memorial Scholarship Fund, Inc.! Will you join me in supporting their cause? https://t.co/1ohnqJO7WS

[Brandon Ledyard @BrandonLedyard]

Nice and fitting!

[Brandon Ledyard @BrandonLedyard]

@LanceReisland Any feedback on how QB Green is looking in camp?

[Lucas Sanders 👊🏽🔥🇺🇸 @LucasSa56947288]

RETWEET if you support Scott Pelley after CBS News has just fired him.

[Greta Berlin @Truegreta]

I stood at this pool, at both monuments and saw both reflections…
He’s a God damn idiot, as are the fools that support him. The “Reflection Pool” wasn’t designed by American architect Henry Bacon a hundred years ago to look like a swimming pool. It’s designed to have a darkened characteristics that has reflective qualities to reflect the monuments.
That way, the Washington Monument is reflective to you when at the Lincoln Memorial, and when at the Washington Monument, the Lincoln Memorial is reflective to you.
It’s designed to enhance the grandeur of monuments, create an illusion of reflection, and inclusion of expansive space of unity.
He’s a tacky vulgar person that vulgarizes everything he touches. America isn’t becoming great, it’s becoming vulgar.

Credit - Mathew Reed

[Brandon Ledyard @BrandonLedyard]

@marksmelley @SECUnfiltered Maybe he hasn’t been in this spot before. He chose to take in the moment. The opposing team paid him too much attention. I would have ignored him and took care of business when we got to the plate. This generation of parents are way too sensitive and created sensitive kids.

[hunter @hxxntrr]

You can take $130,000 from your 401k to start a business. No tax. No 10% penalty. The IRS wrote a form for it in 1974 and nobody talks about it.

It's called ROBS. Rollovers as Business Startups.

Normal way to use 401k money before retirement: withdraw it, pay 24-37% income tax, pay the 10% early withdrawal penalty, end up with $78,000 on $130,000.

ROBS way: roll the $130k into a new C-corp's retirement plan, the C-corp buys business stock from itself with those funds. You walk away with $130,000 in business capital. Zero tax. Zero penalty.

The structure:

Step 1: Form a C-corp. Not LLC. ROBS requires C-corp
Step 2: C-corp opens its own 401k plan
Step 3: You roll your old 401k into the new C-corp's 401k
Step 4: The 401k buys company stock with the funds
Step 5: Company now has $130K cash. Your retirement account owns the stock. You run the company as CEO and draw a salary

Total setup cost: $4,500-$6,000 in legal and admin fees. Companies like Guidant Financial and Benetrends do these every day.

Now stack ROBS with the 0% credit play:

ROBS: $130,000 from your own 401k, tax-free
0% business cards: $100,000-$150,000 at 0% APR

Combined funding: $230k-$280k. Zero traditional debt. Zero credit pulled on the 401k portion. Zero tax owed.

The catch:

The C-corp must operate as a real business. Passive investments don't qualify. You draw a real salary. Annual compliance filings required.

A woman opened a daycare in Ohio with $94,000 in ROBS funds. Three years later the daycare is worth $1.2M and her 401k holds the stock. She built a million-dollar retirement asset without ever putting in another dollar.

Your 401k is sitting in some Vanguard target-date fund earning 6%. It could be funding a business you own.

dm me "funding" and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

[Ben Kelly @benkellyone]

Every family should own a boring laundromat because…

[WizKay @WizKayTV]

Official dream for the 2026-2027 Cavs :

PG : Defensive minded guard
SG : Donovan Mitchell
SF : LeBron
PF : Giannis
C : Stretch big (or Allen with stretch big off the bench)

HC : not Kenny Atkinson

[Scott Morrison, CFP® @SMorrison_]

$1.2M NIL deal at 18.
Most keep $588K. Michael kept $805K.
The $217,000 gap was four decisions wide.

Meet Michael. 18 years old. From California. Never filed a tax return in his life. Just walked into more money than most adults will see in a decade.

Here’s how we drew it up.

𝗠𝗼𝘃𝗲 𝟭: 𝗦𝘁𝗮𝘁𝗲 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝗰𝘆.
California has a 13.3% top tax rate. Texas has none. NIL income is taxed based on your state of domicile, not your school’s state. We established Michael as a Texas domiciliary.
Saved: $127,000.

𝗠𝗼𝘃𝗲 𝟮: 𝗘𝗻𝘁𝗶𝘁𝘆 𝘀𝗲𝗹𝗲𝗰𝘁𝗶𝗼𝗻.
NIL income is self-employment income. As a sole proprietor, Michael would pay self-employment tax on every dollar. We set up an LLC taxed as an S-corp, paid him $190K in salary, and took the rest as distributions.
Lower SE tax. And it unlocked the next move.

𝗠𝗼𝘃𝗲 𝟯: 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀.
Remember that $190K salary? It wasn’t random.
It maxed out his solo 401(k): $24,500 employee + 25% employer match = $72,000.
Add a backdoor Roth IRA at $7,500.
Tax savings today: ~$26,000. Plus 50 years of compounding.

𝗠𝗼𝘃𝗲 𝟰: 𝗗𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻𝘀.
Here’s the one most athletes never hear:
Off-field NIL income lets you deduct agent fees. On-field salary doesn’t.
Agent fees ($60K+) + business expenses ($20K) = $80K off the top.

Four moves. $217K back in his pocket. Now we invest.

If Michael puts $685K to work at age 18 and never adds another dollar, an 8% return gets him here:

Age 30: $1.7M
Age 40: $3.7M
Age 50: $8M
Age 60: $17M
Age 70: $37M
Age 80: $80M

He’s 18. His superpower isn’t the $1.2M.
It’s the 60 years of compounding nobody his age understands he has.

What he does in the next 12 months decides whether $1.2M stays $1.2M or becomes $80M.

If you’re on a big NIL deal, let’s talk.

[Brandon Ledyard @BrandonLedyard]

Let us not forget!

[Bron’s Best @LBJsBest]

The way LeBron moved back then seems even crazier now 😭😭