Lucio Gutierrez

Mexican-Canadian. Expert in software development and the financial markets.

[Go.Up · Academy & Investments @goupinvestments]

You are losing $75 on every $5,000 you invest in U.S. stocks from Canada, and most people do not even realize it is happening. Here is the breakdown of the hidden "Loyalty Tax" your bank is charging you and how you can stop the bleeding today. 🧵

[Go.Up · Academy & Investments @goupinvestments]

Real wealth isn’t just about how much you save, but how well you outpace the rising cost of living. Investing in stocks remains one of the most reliable ways to ensure your money grows faster than inflation—so your future stays protected.

[Go.Up · Academy & Investments @goupinvestments]

What happens to your $50,000 if your broker goes bankrupt? It is the question that keeps many Canadian parents up at night, and while the fear of losing everything is valid, the truth about how your money is protected might surprise you. 🧵

[Go.Up · Academy & Investments @goupinvestments]

Ownership is the only language that inflation truly respects, because by holding stocks, you can transform your passive savings into a growth engine that works for your freedom even while you sleep.

[Go.Up · Academy & Investments @goupinvestments]

Tomorrow you'll spend $200 on Valentine's Day.The companies collecting that money will make $25 billion. Here's how parents can flip the script and own the system instead of just feeding it:🧵

[Go.Up · Academy & Investments @goupinvestments]

Because while flowers eventually fade, owning a piece of the world's most resilient companies is a legacy of security that protects your family’s freedom for generations

[Go.Up · Academy & Investments @goupinvestments]

Most investors don’t become speculators overnight.

[Go.Up · Academy & Investments @goupinvestments]

When investing quietly turns into speculation, outcomes change.

We explored this shift in depth in this week’s article.

https://t.co/vfWS6Ohph8

[Go.Up · Academy & Investments @goupinvestments]

If you can’t explain the business clearly, you shouldn’t own the stock.
Clarity protects stability.

[Go.Up · Academy & Investments @goupinvestments]

Which "non-traditional" win are you most proud of achieving lately?

[Go.Up · Academy & Investments @goupinvestments]

Actually, your loyalty to an insurance company is just a tax on the uninformed. A 15-minute call can save you $900 a year. Use those savings to join our Momentum membership and build your first portfolio. Stop paying them and start paying you.

Take the calculated risk.

[Go.Up · Academy & Investments @goupinvestments]

The best gift you can give your future self is the decision to start today.

[Go.Up · Academy & Investments @goupinvestments]

Look, most people think they are buying a great product when they buy Apple or Coca-Cola, but the truth is that they are actually buying a seat inside a fortress.

Professional investors don't just look at the product. They look at the Moat. 🧵

[Go.Up · Academy & Investments @goupinvestments]

Peace of mind is the most valuable asset you can bring into your home.

[Go.Up · Academy & Investments @goupinvestments]

Most people think a savings account is a "shelter," but if your money isn't growing faster than inflation, you are financing a slow loss of freedom. Stop playing "not to lose" and start playing to win.

The link to join our bi-weekly community newsletter is in the bio.

[Go.Up · Academy & Investments @goupinvestments]

Let’s start this new month with steady focus instead of seasonal pressure.

[Go.Up · Academy & Investments @goupinvestments]

Why a $10,000 raise will not fix your bank account. Most people believe they have an income problem, but the truth is often much quieter and more persistent. It is called lifestyle creep, and it is the primary reason why high earners can still end up with nothing. 🧵

[Go.Up · Academy & Investments @goupinvestments]

Small habits are rarely flashy, but they are the ones that actually change your life over time, so do not be afraid of the slow progress that others cannot see yet. Real wealth is not a loud event, but rather the result of the quiet choices you make every single day.

[Go.Up · Academy & Investments @goupinvestments]

Buying the fear that others sell is just like finding your favourite coffee on sale, so stop looking for the perfect moment and find the discipline to invest every month, and let time be your greatest ally.

[Go.Up · Academy & Investments @goupinvestments]

Having a plan is simply about making sure you can focus on what matters most, so you can stop questioning every choice and start living with the peace of mind you deserve.