Folk Who Invests

Engineer. Father of two.

Sharing the investing lessons I wish I’d learned 10 years ago, simple portfolios, better behavior, fewer expensive mistakes

[Folk Who Invests @FolkWhoInvests]

One thing I’ve learned about building wealth is that you need balance.

I invest consistently, but I also make sure debt stays under control.

Today I have no consumer debt. My only debt is a mortgage, equal to roughly 2.8% of my assets.

I think growing what you own matters. But controlling what you owe matters just as much.

[Folk Who Invests @FolkWhoInvests]

@V1adXBT Let’s go just missing 8 to hit the 500 followers mark

[Folk Who Invests @FolkWhoInvests]

@Albongo87 Too many people buy expensive cars to impress people who don’t really care

[Folk Who Invests @FolkWhoInvests]

Making more money doesn’t automatically build wealth.

If your expenses rise as fast as your income, the paycheck just gets bigger

[unusual_whales @unusual_whales]

12% of Americans making more than $250,000 a year say they are living paycheck to paycheck, per CNBC

[Folk Who Invests @FolkWhoInvests]

@unusual_whales At that income, I’d guess lifestyle inflation is doing a lot of the heavy lifting. The higher your income, the harder it becomes to tell the difference between wants and needs

[Folk Who Invests @FolkWhoInvests]

@GuyTalksFinance Money is a tool. In your case, it bought something tangible while keeping your mortgage from becoming unnecessarily large. That sounds like money well used

[Folk Who Invests @FolkWhoInvests]

@ItsJamesHall A common rule of thumb is 3–6 months of expenses, but there’s no perfect number. The right emergency fund is the one that lets you sleep well at night

[Folk Who Invests @FolkWhoInvests]

Your investment returns matter.

Your savings rate matters more.

Invest $100/month 👉 millionaire in ~45 years

Invest $1,000/month 👉 millionaire in ~25 years

Invest $5,000/month 👉 millionaire in ~10 years

Invest $10,000/month 👉 millionaire in ~6 years

Compounding rewards the money you actually put to work

[Folk Who Invests @FolkWhoInvests]

@garyvee I would say It’s no different than running a company. Take care of your first customers, and they’ll help you find the next ones

[Folk Who Invests @FolkWhoInvests]

@danhinvesting That’s great to hear! People often underestimate the freedom that comes from having cash on the sidelines. I like keeping a healthy cash buffer too, but the right amount is a personal decision

[Folk Who Invests @FolkWhoInvests]

@Kalshi_Finance Your cost of living compounds too. Make sure your investments do as well

[Folk Who Invests @FolkWhoInvests]

@iancassel @joinyellowbrick Most people study Buffett at 90 instead of Buffett at 30

[Folk Who Invests @FolkWhoInvests]

@Investinc_Intel My gut has predictions.

My portfolio doesn’t.

There are too many variables I can’t predict or control, so I stick with broad index funds. They protect me from my own biases

[Folk Who Invests @FolkWhoInvests]

I pulled the 10 worst months for U.S. stocks since 1926.

The next year was positive 7 times, with an average return of 21.8%.

The 3 losses are the useful part. Buying after a crash raised the historical odds. It never removed the risk.

[Folk Who Invests @FolkWhoInvests]

@Investinc_Intel Yes. I just have no idea whether it’s next month or in five years

[Folk Who Invests @FolkWhoInvests]

@GuyTalksFinance I agree but I’d remove the $100k threshold. For most people, index funds are the better choice regardless of net worth

[Folk Who Invests @FolkWhoInvests]

Data: Kenneth French, Fama/French 3 Factors. Broad U.S. monthly market return = Mkt-RF + RF, July 1926-Dec 2025. The 10 worst months were ranked, then the next 12 months were compounded.

Monthly data: https://t.co/cDxRSo4dpS

[Folk Who Invests @FolkWhoInvests]

@GrahamStephan I would say going viral is easy.

But building trust after going viral is the hard part

[Folk Who Invests @FolkWhoInvests]

Seriously… how much did this message cost?

[unusual_whales @unusual_whales]

Elon Musk has stated that Tesla, $TSLA, Terafab will be built in Grimes County, Texas, and that SpaceX and Tesla will invest $16.8 billion for the initial buildout.

[Folk Who Invests @FolkWhoInvests]

@unusual_whales How much did this message cost? Lol