Matthew Theal, CFP®

Financial Advisor with Evermont. Fee-only, I help people retire. Podcast: Retirement Plan Playbook. Plays golf. Father of 2

[Matthew Theal, CFP® @MattTheal]

@sweatystartup proper cloth or j hilburn

[Matthew Theal, CFP® @MattTheal]

"I'll just sell the company when I'm ready to retire."

We hear this all the time. But selling a business takes 6 to 12 months on a good day. And way longer if the books are messy or the buyer pool dries up.

That means your entire retirement is riding on one transaction going perfectly. That's not a plan. That's a coin flip.

Build the real plan now: liquid money outside the business, a tax strategy for the sale, and a timeline that works even if the sale takes twice as long as you think.

A sale should be a bonus, not a requirement.

[Matthew Theal, CFP® @MattTheal]

@randal_olson These are very old models. AI changed on the release of opus 4.5

[Matthew Theal, CFP® @MattTheal]

@firstadopter Can't you pull it in via API and MCP server?

[Matthew Theal, CFP® @MattTheal]

@dee_bosa very cool. cc is powerful

[Matthew Theal, CFP® @MattTheal]

@BillDA What model did you use?

[Matthew Theal, CFP® @MattTheal]

@ShorealoneFilms Just got power back

[Matthew Theal, CFP® @MattTheal]

@JulianGoldieSEO N8N

[Matthew Theal, CFP® @MattTheal]

@Jacobsklug Memo

[Matthew Theal, CFP® @MattTheal]

We are going to win the 2026 world cup

[Matthew Theal, CFP® @MattTheal]

Trump is really making america great again

[Matthew Theal, CFP® @MattTheal]

Trump is really making america great again

[Matthew Theal, CFP® @MattTheal]

Trump is really making america great again

[*Walter Bloomberg @DeItaone]

USA CARDINAL PREVOST ELECTED POPE

[Matthew Theal, CFP® @MattTheal]

@jdmarkman We said Jon.

[Jon Markman 🛸 @jdmarkman]

This isn’t like 2008 or 2020.

It’s not a crisis that happened—it’s a choice.

Trump’s choice.

But people forget his real superpower:

He knows how to declare victory—even when nothing’s won.

[Matthew Theal, CFP® @MattTheal]

@MebFaber Good point. Refreshing take compared to what others are saying

[Matthew Theal, CFP® @MattTheal]

@Jacobsklug Add a card for money in.

In my experience, most people don't know how much comes into the bank account monthly

[Matthew Theal, CFP® @MattTheal]

Low retest in 98 👀

[Jurrien Timmer @TimmerFidelity]

One example of a (brief) non-recession bear caused by a rapid deleveraging was the LTCM cycle in 1998. The chart below shows a near-perfect analog of today’s cycle and 1998.

Fundamentally, the two cycles couldn’t be more different, but they both revolved around an unwinding of crowded trades. Back then it was corporate and sovereign bonds (levered 50 to 1) and today it has been the Mag 7 and the momentum trade in general.

[Jurrien Timmer @TimmerFidelity]

One example of a (brief) non-recession bear caused by a rapid deleveraging was the LTCM cycle in 1998. The chart below shows a near-perfect analog of today’s cycle and 1998.

Fundamentally, the two cycles couldn’t be more different, but they both revolved around an unwinding of crowded trades. Back then it was corporate and sovereign bonds (levered 50 to 1) and today it has been the Mag 7 and the momentum trade in general.

[Matthew Theal, CFP® @MattTheal]

@TheStalwart You are right, summer vacations are canceled.

[Matthew Theal, CFP® @MattTheal]

It was always China