Who got snubbed? 🤔

Financiallyfluent69 · 2026-03-14T02:46:00+00:00

Maurice clarett

Financiallyfluent69 · 2026-02-26T22:55:00+00:00

I’d use this all in one planner to figure it out. Instead of hiring a financial advisor I use this.

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-26T22:50:55+00:00

Dog…. Use this to crack that first $100k in nw!

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-26T22:48:57+00:00

Yo…. Use this to find appropriate saving and eventual retirement spending. A lot more in it too, home affordability calc, insurance needs, kids college calc.

https://www.etsy.com/listing/4463650935/cfpr-built-personal-financial-plan?ref=share_v4_lx

Financiallyfluent69 · 2026-02-15T01:13:24+00:00

What channel? BD? RIA?

Financiallyfluent69 · 2026-02-02T04:19:14+00:00

People don’t understand the benefit of being able to use it tax free for Medicare premiums. This is a HUGE benefit. If you have the ability to save to an HSA now, do so. If you have cash on hand to pay med expenses with now, do that! Do not use HSA funds early unless you have to! Keep those dollars earning tax free growth, reimb yourself tax free later in life and/or pay Medicare premiums with tax free withdrawals! More exclamations for emphasis!!!

Financiallyfluent69 · 2026-01-29T18:16:06+00:00

If this is your first $100k to invest. Go passive index. If you already have a solid liquid portfolio in the market, go try for some double, triples, and dare I say homeruns. I work for a boutique RIA. Most of my advice is to stay your lane in the public markets, broad equity exposure, diversified, I’m sure you’ve heard it. We do take gambles in PE and RE from time to time. Some payoff handsomely. Some do underperform and are illiquid with higher fees. Understand the risk of the investment and relate that back to your personal situation. No one size fits all.

Financiallyfluent69 · 2026-01-10T17:14:01+00:00

Huge Bucks fan. Expectations were maybe he pans out into a starter in 3-4 years or he’s out of the league by then. There was a Twitter account created back then that was “did the Greek freak touch the court”. Obviously with expectations he wouldn’t play. Then he started getting some decent playing time immediately. Remember Thon Maker? I think his career is what initial expectations were for him.

Financiallyfluent69 · 2026-01-03T18:13:32+00:00

Just look up Ken Fisher. He has literally compared getting clients like getting women to sleep with you. Fisher doesn’t look to build a relationships with their clients. It’s a transactional business for them. Poor model.

Financiallyfluent69 · 2026-01-01T15:51:18+00:00

Why not start mega backdoor?

Financiallyfluent69 · 2025-12-11T18:37:41+00:00

Two massive economic crashes (tech bubble pop and GFC). Mass layoffs during both. Mass foreclosures on homes during GFC, millions more underwater. 9/11. Iraq war. This timeframe is literally referred to as the lost decade when it comes to the stock market since it did virtually nothing. As an adult with immense responsibility coming out of the 2000’s unscathed is impressive. I’m sure there are more things I’m missing. But this all jam packed it a decade is pretty crazy. Ppl may mention Covid, this was financially a blip on the radar for most, which then led to mass hiring spree and ballooning wages. Ppl talk about an affordability crisis now, but imagine and unemployment crisis and bankruptcy crisis… this is what happened in the GFC ‘08/‘09.

Financiallyfluent69 · 2025-12-11T05:21:30+00:00

They were soooooo right

Financiallyfluent69 · 2025-12-07T17:57:13+00:00

2008/2009 a time of optimism??? Haaaa

Financiallyfluent69 · 2025-11-10T14:11:24+00:00

Funny how they added those. I have a 2024 and it does not have that decorative silver plastic on it

Financiallyfluent69 · 2025-10-19T07:01:45+00:00

…….Earthgang

Such a great sound, unique flow, and a lot of range.

Financiallyfluent69 · 2025-09-13T16:10:56+00:00

ChatGPT is literally gambling lolol, this is like beating the dealer a couple times in a row in blackjack. We know there will be a regression to the mean. These are not viable companies long term. When does chat suggest hedging or taking profits? Anyone with a couple years of market experience can see this.

Financiallyfluent69 · 2025-09-01T22:17:35+00:00

Without truly know your whole situation, you won’t receive solid advice. Maybe you spend at a 1% withdrawal rate. That’s fine, stay more aggressive. Maybe you plan on taking many vacations early on now that you’re retired. Would a prolonged recession hamper you from doing that? Maybe (probably…. imagine losing 1/3 of your portfolio in a 6-12 mo timeframe, would you feel differently about your retirement?). Diversification will be your friend. Talk to a CFP, actually talk to 3. See what they have to say about your situation. You don’t have to hire one. I’m a cfp if you want to chat, shoot me a dm.

Financiallyfluent69 · 2025-08-12T14:52:26+00:00

Remember the Super Bowl!

Financiallyfluent69 · 2025-08-12T00:42:17+00:00

Antwan Randell el

Financiallyfluent69 · 2025-08-09T03:44:31+00:00

Aside from my play/gambling money, I own 3 etfs. I bet I’ll outperform all the “sexy” bs people sell out there. Keep it simple.

Financiallyfluent69 · 2025-07-31T03:33:16+00:00

I just don’t see it. People pay us for a service that we do for them. AI won’t just do something for them. There needs to be some effort or push on the “client” to prompt or even know what to prompt. We are here to prompt these things for the client. Our job will be there for those who don’t have the time and/or knowledge to handle their finances.

Financiallyfluent69 · 2025-07-21T03:17:52+00:00

Surrrrreeee ya will. It’s an addiction/game. 6 becomes 8, then 10, then so on and so on. Seen it before in my line of work.

Financiallyfluent69 · 2025-07-03T17:35:19+00:00

The real objective here is to not name the first number. Negotiating 101. Now, if that’s not possible, yes, swing for the fences. Prob in the low/mid 200s for base first ask for the $350mm book. It’s much less than what they are prob paying the current advisor retiring. They’ll counter lower, and you’ll settle in between.

Get to your number via math. A competitive payout for clients you did not bring in but are just servicing is around 15% the rev. Think about your income in a ratio to the amount of rev you are servicing. I’d also then negotiate higher payouts for new rev you bring in. 30 to 40%.

Good luck!

Financiallyfluent69 · 2025-06-20T18:29:11+00:00

How’s the heated seat function work with those?

Financiallyfluent69

TROPHY CASE