almost wealthy.

Building wealth in real time. Transparent financials on my journey to a $1M portfolio.

[almost wealthy. @imAlmostwealthy]

The full Bill Stacking Plan spreadsheet, finally on video. All 10 phases. Every single column explained. The entire path from Phase 1 to $145K at Phase 10.

New video is live: https://t.co/IR9N06gYlm

#PersonalFinance #DividendInvesting #FinancialFreedom

[almost wealthy. @imAlmostwealthy]

I finally showed the entire Bill Stacking Plan spreadsheet. All 13 phases. Every column explained. The whole path from Phase 1 to Phase 10 at 145K. New video: https://t.co/IR9N06gYlm

#PersonalFinance #DividendInvesting #Investing

[almost wealthy. @imAlmostwealthy]

I’m excited to share a new video with you all. It’s a detailed walkthrough of my Bill Staking plan spreadsheet, All 10 phases. Every column explained.. Don’t miss it! Stay tuned at 4:00 PM today.

#FinancialFreedom #Investing #MarginLoan

https://t.co/37mxX1tyns

[almost wealthy. @imAlmostwealthy]

People assume a Fed hike is bad news for anyone who borrows. My rate floats automatically, and the dollar impact is tiny. 5.65% today, maybe 5.90% after September 16. Either way, rounding error. New video: https://t.co/QRSnOxATPl

#Investing #FinancialFreedom #StockMarket

[almost wealthy. @imAlmostwealthy]

Everyone assumes margin means margin calls. Forced selling. Wipeout risk. The real math is boring: even a 50% crash only pushes my LTV to 9.7%. The call line is 75%. New video: https://t.co/OD13ASGZox

#DividendInvesting #PassiveIncome #PersonalFinance #FIRE

[almost wealthy. @imAlmostwealthy]

People hear "margin" and picture one bad week wiping you out. The real answer: I stress tested my spreadsheet against 2008, COVID, and the dot com crash. Worst case, 9.7% LTV, nowhere close to the 75% line. New video soon!

#DividendInvesting #FinTwit #WealthBuilding #Investing

[almost wealthy. @imAlmostwealthy]

Everyone wants a side hustle. The real move was boring: put the bill on margin, invest the money I would've used to pay it. $2,321 until electric joins it. New video: https://t.co/eKOd7NOj8D

#DividendInvesting #PassiveIncome #PersonalFinance #FinancialFreedom #DividendGrowth

[almost wealthy. @imAlmostwealthy]

Everyone desires a raise, a side hustle. The most significant move was simply following my Bill Stacking Plan: Electric bill, going on margin soon. This means that I’m investing a total of $358 per month. New video: https://t.co/eKOd7NOj8D

[almost wealthy. @imAlmostwealthy]

If I told you there was a way to grow your investments faster without earning a single extra dollar or cutting a single expense, would you believe me? I've been doing it for months. Links in Bio

#DividendInvesting #PassiveIncome #PersonalFinance #FinancialFreedom #DividendGrowth

[almost wealthy. @imAlmostwealthy]

Everyone wants a lower rate. The real move is boring: same $61,990 Tesla, margin at 5.65% instead of financing at 5.69%. $291.87 a month instead of $993, portfolio never touched. New video: https://t.co/8f2fjFOxcp

#DividendInvesting #MarginLoan

[almost wealthy. @imAlmostwealthy]

Bills feel fixed: rent, phone, internet, car. Mine aren't. $203/mo already runs through a margin loan instead of my paycheck. The dividends cover the interest, the paycheck compounds instead.

#PassiveIncome #FinancialFreedom

[almost wealthy. @imAlmostwealthy]

The FIRE crowd chases $1M so they can start selling 4% a year. My number is $145,000. Not because I need less, because I never sell. Dividends cover the loan interest, the portfolio just keeps compounding.

#FIRE #BuyBorrowDie

[almost wealthy. @imAlmostwealthy]

Everyone stacks more US ETFs and calls it diversification. The real move is boring: VYMI, the international ETF nobody mentions, feeding my 5.33% yield against a 5.65% borrow rate. New video: https://t.co/UlGmxm7ENw

#VYMI #DividendInvesting

[almost wealthy. @imAlmostwealthy]

Margin gets called reckless because of margin calls and forced liquidation. Fair, that's real. But my LTV target is 12%, nowhere near the 75% margin call threshold. The risk lives at the max, not at a real strategy.

#Margin #DividendInvesting

[almost wealthy. @imAlmostwealthy]

Everyone assumes buy, borrow, die only works at Elon or Bezos scale. The truth is boring: it comes down to dividends covering the interest. $833,000 covers $40K a year, nothing sold. New video: https://t.co/66fDCDH7eB #DividendInvesting #PassiveIncome #FinancialFreedom

[almost wealthy. @imAlmostwealthy]

Everyone assumes you grab your biggest bill first for margin. The real rule is boring: start small. Mine was a $98 phone bill. New video: https://t.co/l8PIyIhHsX #BuyBorrowDie #FinancialIndependence #PassiveIncome #WealthCreation #M1Finance

[almost wealthy. @imAlmostwealthy]

Everyone wants the magic LTV percentage. The guru's rule of thumb. The real fix is boring: size your limit off what you've deposited, not what it's worth today. New video: https://t.co/UqdLAvJbSN
#BuyBorrowDie #FinancialIndependence #PassiveIncome #WealthCreation #M1Finance

[almost wealthy. @imAlmostwealthy]

Everyone says get a HELOC. Your home equity. The "safe" way to borrow. The real difference is boring: one borrows against your house, the other against your portfolio. 5.65% margin. 7.43% average HELOC. Only one can cost you your house. New video: https://t.co/WSFhjAXE5O

[almost wealthy. @imAlmostwealthy]

Everyone assumes margin needs a big portfolio to make sense. It doesn't. No minimum balance, no application, no credit check. The real floor is whether your safe room covers something real in your life. Mine started at $6,000. New video: https://t.co/6JkA2jLRx0

[almost wealthy. @imAlmostwealthy]

Everyone wants the raise. The side hustle. The budget cut that finally makes room. The real fix was boring: borrow against what I already own instead of paying bills out of pocket. Phone and internet, $203/mo, off my paycheck for good. New video: https://t.co/1CF77k8abf