I talk about stocks & personal finance
Joined April 2022
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I’m 31 with $100k saved.
I can put it toward a house down payment, or invest it and keep renting.
What would you do?
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Jun 12
Just fyi:
A Roth IRA is an account, not an investment.
If you opened one and left the money sitting in cash, it's probably earning next to nothing.
You still have to pick what to invest inside it.
Take 10 minutes to log in and check that it’s actually invested in something.
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Jun 11
A 32-year-old couple with two children making $500K a year claims they're living paycheck to paycheck.
Here’s their budget:
• $4,083/mo retirement accounts
• $6K/mo mortgage
• $6K/mo on credit cards
• $1,500/mo on flights and hotels
• $1,200/mo on eating out
• $500/mo for their kids' college
• $800/mo on shopping
• $600/mo on groceries
• $480/mo on gas
• $400/mo on diapers
• $300/mo on health bills
Total: $21,863
Imagine making half a million a year and feeling broke.
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Jun 11
SpaceX employs 20,000 people and is about to mint 4,000 millionaires on Friday.
But tell me more about how billionaires are the worst.
Jun 10
BREAKING: SpaceX's IPO is expected to create 4,000 new millionaires, including some cafeteria workers whose compensation packages include employee stock options, per Bloomberg.
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Jun 10
I use my @RobinhoodApp card when I tithe.
Robinhood saw my donation history and capped my rewards.
Generosity has a limit, apparently.
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Jun 9
"401ks are a scam.“
Wrong.
Your 401k is one of the best ways to build wealth.
Here's how:
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Jun 9
5. Contribution limits
In 2026, you can contribute up to $24,500 (excluding employer match)
If you’re age 50–59, you can contribute an additional $8,000 as a catch-up contribution.
And If you’re 60 you can contribute an additional $11,250 as a super catch-up contribution.
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Jun 9
Thanks for reading!
If you enjoyed this thread, follow me @darrelltalksfi for more practical finance tips & strategies.
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Jun 8
$DAVE was quietly added to the S&P Composite 1500, S&P 600, S&P 600 Financials, and S&P 1000 last month.
And almost nobody on FinX talking about the company.
Don’t sleep on $DAVE.
Mar 18
I can’t believe more people aren’t talking about $DAVE...
P/E: 15.6x
ROE: 73.1%
ROIC: 58.3%
Net margin: 35.3%
Gross margin: 86.7%
Revenue: 59.7% YoY
What am I missing?
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Jun 8
Someone who set up a $625/month auto-contribution to an index fund within their Roth IRA at 25 and never changed it will have roughly $1.4 million at 55.
That one decision will make them tax-free millionaires.
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Jun 6
The average 100-bagger takes 26 years to get there.
Most of them dropped 50% or more along the way.
A lot of investors will miss out on these opportunities because they lack patience.
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Darrell Aden retweeted
Jun 5
A married couple can pull $131,100 from their brokerage account in 2026.
Federal tax bill: $0.
This is completely legal. It’s just buried in the tax code:
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Jun 5
A married couple can pull $131,100 from their brokerage account in 2026.
Federal tax bill: $0.
This is completely legal. It’s just buried in the tax code:
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Jun 5
TL;DR
Withdraw $131,100 in long-term capital gains -> $0 tax.
Or convert $32,200 to Roth withdrawal $98,900 in gains -> $0 tax.
Either way, you control your tax bracket and keep more of your money.
The tax code favors long-term investors.
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Jun 5
Thanks for reading!
If you enjoyed this thread, follow me @darrelltalksfi for more practical finance tips & strategies.
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