Matt Calcagno, CFP®, CKA®

I help you retire early with confidence. | Tweets ≠ advice

[Matt Calcagno, CFP®, CKA® @mattycalc]

Financial news headlines gain off your fear and should be read with healthy skepticism.

Here's my spin on a few today 👇

News Headline: Stocks on Track for Worst Year Since 2008

How to read: Millenial investors buy at a discount all year long and should hope this continues.

[Matt Calcagno, CFP®, CKA® @mattycalc]

@maxxmalist Hormozi

[Matt Calcagno, CFP®, CKA® @mattycalc]

@camp_wealth I feel you. Some days the bots feel like your most loyal fans.

[Matt Calcagno, CFP®, CKA® @mattycalc]

@JaroslavCoe hook

[Matt Calcagno, CFP®, CKA® @mattycalc]

@markcecchini Grabbed this a few months back and it’s been extremely useful.

Shoutout Mark 👏🏻

[Matt Calcagno, CFP®, CKA® @mattycalc]

@RyanPKirlin @altruist Great seeing you there!

[Matt Calcagno, CFP®, CKA® @mattycalc]

@atomicplanning What software is this? Looks clean 👌🏼

[Matt Calcagno, CFP®, CKA® @mattycalc]

@markcecchini Congrats Mark!

[Matt Calcagno, CFP®, CKA® @mattycalc]

Is $3 million in savings enough for an early retirement?

In this weeks video I walk through a real life financial plan of a couple set to retire early with $3M in savings.

https://t.co/39Tk77ILl7

[Matt Calcagno, CFP®, CKA® @mattycalc]

Is $3 million in savings enough for an early retirement?

In this weeks video I walk through a real life financial plan of a couple set to retire early with $3M in savings.

https://t.co/39Tk77ILl7

[Matt Calcagno, CFP®, CKA® @mattycalc]

In this video, I explain how RSUs are taxed, so you won't be blindsided when your RSUs vest.
https://t.co/kAhKWaF5jW

[Matt Calcagno, CFP®, CKA® @mattycalc]

Don't let RSUs or a future bonus handcuff you to a job you hate

Vesting is designed that way to keep you on the wheel

Know when its time to call it and move on

[Matt Calcagno, CFP®, CKA® @mattycalc]

5. If you return something and get a refund, you made money

[Matt Calcagno, CFP®, CKA® @mattycalc]

No finance course will ever fully prepare you for girl math

[Matt Calcagno, CFP®, CKA® @mattycalc]

5 pillars (as explained by my wife):

1. You’re losing money if you don’t purchase something when it’s on sale.
2. Using cash = free
3. You’re making money whenever you skip your daily coffee run.
4. Anything in your Venmo wallet that isn’t immediately spent is free money.

[Matt Calcagno, CFP®, CKA® @mattycalc]

Can you retire early at age 45 with $2 million?

Is that enough?

In this video I break down a couples financial plan to show you how a few small (but important) tweaks can make early retirement successful.
https://t.co/36Lv04r89C

[Matt Calcagno, CFP®, CKA® @mattycalc]

How I Manage My Money as a Financial Planner | 5 Step System
https://t.co/qAokxQEA5W

[Matt Calcagno, CFP®, CKA® @mattycalc]

Being frugal is the best hedge against inflation

You won’t care if the price of something you don’t want increases.

[Matt Calcagno, CFP®, CKA® @mattycalc]

My grandpa turns 92 today

So I asked him:

“After 92 years on this earth what is the key to a long and meaningful life?”

His answer:

“My wife”

Valuable lesson here.

[Matt Calcagno, CFP®, CKA® @mattycalc]

At the beginning of the year many asked the question:

"Why stay invested in equities when I can lock in a 5% yield?"

And those 5% yields looked pretty darn good

But we stayed the course

Staying the course means thinking and acting for the long term even when it doesn’t feel right in the short-term.

[Matt Calcagno, CFP®, CKA® @mattycalc]

"Maxing" your 401(k) means putting $22,500 in your account in 2023 (if under 50 years old)

But "maxing your match" is different

If your job matches 50% on the first 6% and you make $100k

Contribute $6k (6%) in order to "max your match"

You receive a free $3k

100% ROI