John In Finance
@JohnToThePoint
Daily finance tips for beginners • Build wealth, not stress • Ex-corporate accountant • Rat race escapee • Not advice • Start simple, win long-term💪
Gratitude kills jealousy. Someone will always have more. Focus on your own number going up. 🙏
One extra year of working can be the difference between “comfortable” and “very comfortable” in retirement. Think about it. 🕰️
Dividends are nice, but total return matters more. Don’t chase yield traps. 📉
Crypto for beginners: max 5% of portfolio. Treat it like a lottery ticket, not a retirement plan. 🎟️
Every raise = higher savings rate. Never let lifestyle catch up to income. 📈
Stop trying to time the market. Time in the market beats timing the market 90% of the time. ⏳
Build the habit before you build the amount. $50/month into an index fund beats $0. Start tiny. 🌱
Your house is definitely not an investment. It’s a place to live. Treat it that way. 🏠
Your salary is the bribe they pay you to forget your own dreams. Read that again and decide if the price is right.
Index funds > stock picking for beginners. $VOO is a great long-term winner. Low fees, broad market, zero stress. 🛒
“Never, ever, tell anyone about your problems. 90% of the people really don't care. The other 10% are glad you have them.” —Charlie Munger
Compound interest is the closest thing to free money. Start small, stay consistent, watch it explode later. 📈
My mom: “A penny saved is a penny earned.” She was right — and today that penny compounds. 🪙
Crashes are opportunities to pick up bargains. If your favorite store is selling merchandise at a 20% discount, wouldn't you buy more?
Never take financial advice from someone who needs you to buy their course. Real advice is usually free. 📢
Dollar-cost average into the market every month. Removes emotion, buys more when cheap. Genius. 📉➕
Read “The Psychology of Money” or “Rich Dad Poor Dad”. One book can change how you see money forever. 📚
Track your net worth monthly. Even if it’s negative at first, watching it climb is addictive. 📊
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