The Money Professor, CPA

Personal finance without the hype. Evidence. Math. Systems.

A licensed CPA talking about money, investing, and personal finance

Not financial or tax advice

[The Money Professor, CPA @the_money_prof]

@FinPlan_CPA At 22-24% marginal rates, I think a mixed strategy can be prudent.

Helps to hedge the known and unknown risks

[The Money Professor, CPA @the_money_prof]

Trump accounts are a simple small stakes way to do this without complexity of trusts.

Funding $5k per year per child for first 10 years ($50k per year) is all it takes.

That is legitimately a house, business, or retirement fully funded.

Large enough to be meaningful. Small enough not to “hand millions” to a 21 year old

[The Money Professor, CPA @the_money_prof]

With @Strategy and @Strive both starting to print and with stronger balance sheets than ever, the case for a recursive flywheel feels pretty strong.

Retail enthusiasm still seems muted.

Wondering if this might be the first cycle we really don’t have retail tailwind because they feel priced out via unit bias

[The Money Professor, CPA @the_money_prof]

@cre_cashflow @ThinkAppraiser That’s the core value proposition for real estate (and business ownership). Cash flow produces wealth in 2 ways.

With a salary, a bigger check is just a bigger target on your back for the next restructuring.

[The Money Professor, CPA @the_money_prof]

@BlackMambaMilli Most people struggle setting a plan and sticking to it!

[The Money Professor, CPA @the_money_prof]

@FinXRob Nice work Rob 👏

[The Money Professor, CPA @the_money_prof]

@BlackMambaMilli That’s frustrating. Been there many times over the years.

But best thing to do is learn from it and understand what you’ll do differently next time!

[The Money Professor, CPA @the_money_prof]

@loveleesfinance The skill is being willing to ask uncomfortable questions… and not caring if you look “dumb”

If you develop that skill, it will take you far in life

[The Money Professor, CPA @the_money_prof]

@SparkingFIRENC Just wait until you get the BREAKING post on every $1000 increment 😅

[The Money Professor, CPA @the_money_prof]

@nic_carter Maybe the first example of a car increasing in value immediately after you drove it off the lot

[The Money Professor, CPA @the_money_prof]

@MikeZaccardi Clearance for takeoff 🚀

[The Money Professor, CPA @the_money_prof]

Eliminating fraud in government benefits has broad public support, but we’ve made substantially no progress to reduce or eliminate it.

What are realistic options to solve this problem?

[Elon Musk @elonmusk]

@WSJ There hundreds, maybe thousands, of fraud rings of almost every nationality stealing money from US taxpayers

[The Money Professor, CPA @the_money_prof]

@loveleesfinance Well this aged poorly 😂

[The Money Professor, CPA @the_money_prof]

@TheBrilliantBu1 For the home, it’s the mortgage doing the heavy lifting since you’ve borrowing money that is repaid with dollars worth far less over 30 years

[The Money Professor, CPA @the_money_prof]

In an inflation-driven debt-based monetary system, you have very few defenses against a currency that’s designed to lose value over time.

Some good options for the lay man:

-Own productive assets
-Long duration low fixed-rate debt (like a mortgage)
-Build a business

[Hedgeye @Hedgeye]

The U.S. Dollar has lost 30% of its purchasing power over the last six years

[The Money Professor, CPA @the_money_prof]

@TheBrilliantBu1 Seem frothy indeed. These companies have insane potential, but that feels very fixed into the IPO valuations

[The Money Professor, CPA @the_money_prof]

Another reminder that great companies can be terrible investments.

IPOs in today’s markets are more akin to exit liquidity than buying opportunities.

Remember the words of Warren Buffet:

“Price is what you pay. Value is what you get.”

[Watcher.Guru @WatcherGuru]

JUST IN: Claude AI developer Anthropic plans to IPO in November at an estimated $2 trillion valuation.

[The Money Professor, CPA @the_money_prof]

@TheMattViera 4HWW changed my life too… Not in the sense that I work a 4 hour week or even have a lifestyle business…

But in the sense that it helped me realize that the possibilities were endless

[The Money Professor, CPA @the_money_prof]

@xBitcoin_Teej I love $SPCX , but these seem to be reasons to buy $TSLA

[The Money Professor, CPA @the_money_prof]

@BoujeeFinances The bullish consensus is what scares me

[The Money Professor, CPA @the_money_prof]

@loveleesfinance