@BrattoBiz Avatar @BrattoBiz Nicholas Bratto

Nicholas Bratto posts on X about $schd, dividend, $dgro, money the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence finance 69.09% celebrities 4.55% cryptocurrencies 3.64% stocks 2.73% technology brands 0.91%

Social topic influence $schd #15, dividend #166, $dgro #3, money 13.64%, retirement 11.82%, $btci #30, if you 8.18%, stocks #4761, investment 5.45%, epstein files 4.55%

Top accounts mentioned or mentioned by @devoteddividend @cliffcornell @dougboneparth @schdaccumulator @collinrugg @barbellfi @chriscamillo @apompliano @schdetf @ankurnagpal @bitcointeddy @alicemiax @tkopelman @loudc2255 @codiesanchez @jofijoseph99 @measuretwicemny @leotraydes @pepemoonboy @austinhankwitz

Top assets mentioned Bitcoin (BTC) Spotify Technology (SPOT)

Top Social Posts

Top posts by engagements in the last [--] hours

"What actual problem do Bonds solve in practice when you can invest in dividend ETFs like $SCHD and $DGRO Even Dave Ramsey one of the most risk adverse financial experts doesnt recommend Bonds"
X Link 2026-02-08T01:10Z [----] followers, [---] engagements

"My dividends pay for Spotify so this egregious 12% price increase doesnt bother me. Even though this is one of my smallest bills the principles of financial independence still apply. Anyone can offset this bill and once you have youll never pay for it again even if they raise the price. Thats the beauty of managing your bills in terms of invested assets and thinking like someone who wants to become financially independent"
X Link 2026-02-12T12:24Z [----] followers, [--] engagements

"Did T-bills and bonds also go up 15% the past month"
X Link 2026-02-13T17:51Z [----] followers, [--] engagements

"I know you want the 12%+ yield now but if you're patient dividend growth ETFs like $SCHD will give you an even higher yield than options ETFs do in 10-15 years. When you're retired your original investment will have a 50%+ yield"
X Link 2025-08-22T20:32Z [----] followers, [----] engagements

"400000 shares of $SCHD then you can ease up a bit $400000/year $100000 every three months $33000/month"
X Link 2026-02-04T01:34Z [----] followers, [----] engagements

"Maxing out a 401k IRA Mega backdoor Roth IRA etc. will DELAY your financial independence and retirement by decades. Its completely unnecessary unless you like asking for time off as a grown adult"
X Link 2026-02-04T21:23Z [----] followers, 54.4K engagements

"Guy sold his $8.6M crypto portfolio that produced $0 of cashflow for a $9.8M portfolio of 60/40 $SCHD / $SCHY Now he makes $27000/month and will get a 10% raise every year You can do basically anything you want with this level of of wealth [------] shares of $SCHD then you can ease up a bit $400000/year $100000 every three months $33000/month https://t.co/UYwzFonoPl [------] shares of $SCHD then you can ease up a bit $400000/year $100000 every three months $33000/month https://t.co/UYwzFonoPl"
X Link 2026-02-05T13:18Z [----] followers, 24.4K engagements

"You didn't answer the question. You're pushback is regurgitating "but I can access the contributions anytime" so what This is about achieving financial independence well before the age of [--]. Retirement planning (for pre and post 60) is great. A mix is great that's what I do but maxing retirement accounts only optimizes for the 60+ goal"
X Link 2026-02-05T16:01Z [----] followers, [---] engagements

"@DevotedDividend Wow to both Knew this one would come back one day. I remeber I had the opportunity to buy $50000 at $45/share in November [----] but I just dont like those (mostly) ordinary income taxes and lower dividend growth"
X Link 2026-02-08T04:14Z [----] followers, [---] engagements

"@SCHDaccumulator Thats an awesome goal and exactly what my content is centered around My budget template stacks up all your bills in terms of invested assets so you know exactly how much it will take to offset your next bill will dividend income (more options too) Heres a few bills I dont worry about anymore because my dividends pay for them. [--]. Netflix [--]. Water [--]. Energy Download my budget template today and see what it takes for you to stop worrying too #budget https://t.co/jltyKptjv7 Heres a few bills I dont worry about anymore because my dividends pay for them. [--]. Netflix [--]. Water 3."
X Link 2026-02-08T13:19Z [----] followers, [--] engagements

"@Codie_Sanchez As someone who works in big companies that is not how it works lol If you want to make more money: start a biz buy a biz and/or invest aggressively Remote or in person doesnt matter and is a constraint by letting it matter regardless of your preference Stop the cope people"
X Link 2026-02-10T00:12Z [----] followers, [--] engagements

"The Epstein Files ICE raids etc. are 100% entertainment for the masses. There will be no outcome or solution from either that makes any meaningful impact on your life at all. These are distractions to keep your mind off the only reality that matters: your money. The nation will be significantly less angry with less debt and lower taxes. 100% of life's problems for 95% of people would be solved by deleting income taxes property taxes and student loan debt. Your money is all that matters. https://twitter.com/i/web/status/2021257000399544720 https://twitter.com/i/web/status/2021257000399544720"
X Link 2026-02-10T16:16Z [----] followers, [--] engagements

"@Jofi_Joseph_99 @MeasureTwiceMNY I just heard about this book and am interested in reading as someone who pushes back hard on the Roth or KYS narrative The effective tax rate of retirees is typically far less than the marginal tax rate people pay for Roth 401ks and IRAs"
X Link 2026-02-11T02:42Z [----] followers, [--] engagements

"@CollinRugg Epstein files = entertainment"
X Link 2026-02-11T03:00Z [----] followers, [--] engagements

"Whats horrendous about investing 15% of your gross income in retirement accounts and investing the rest in real estate private businesses and stocks in a taxable brokerage account Im not saying dont invest in retirement accounts (I do) Im saying maxing out retirement accounts over everything else is something you should reconsider if you want to become financially independent sooner than later. https://twitter.com/i/web/status/2022087081002926080 https://twitter.com/i/web/status/2022087081002926080"
X Link 2026-02-12T23:15Z [----] followers, [--] engagements

"@Leo_Traydes @pepemoonboy If you can barely max a Roth you probably arent paying capital gains taxes on your brokerage account anyway 😂"
X Link 2026-02-13T01:29Z [----] followers, [--] engagements

"@CollinRugg Epstein files are entertainment"
X Link 2026-02-13T03:34Z [----] followers, [--] engagements

"How the tables have turned on the dividend haters. After [--] years. $DGRO an ETF focused on companies which grow their dividends (not market cap) is outperforming the S&P [---] $SCHD an ETF focused on companies which grow their dividends (not market cap) has gone parabolic nearly catching up to the S&P [---] in one month of [----] 😂 So glad I purchased thousands of shares of $DGRO and $SCHD the last few years https://twitter.com/i/web/status/2021394878630879467 https://twitter.com/i/web/status/2021394878630879467"
X Link 2026-02-11T01:24Z [----] followers, [----] engagements

"My my my how the tables have turned. How the tables have turned on the dividend haters. After [--] years. $DGRO an ETF focused on companies which grow their dividends (not market cap) is outperforming the S&P [---] $SCHD an ETF focused on companies which grow their dividends (not market cap) has gone parabolic nearly https://t.co/nKFacRdhzf How the tables have turned on the dividend haters. After [--] years. $DGRO an ETF focused on companies which grow their dividends (not market cap) is outperforming the S&P [---] $SCHD an ETF focused on companies which grow their dividends (not market cap) has gone"
X Link 2026-02-11T15:20Z [----] followers, [---] engagements

"Stop paying for private school. Your kids will not get any further ahead in life by you wasting money on schooling thats no better than a solid public school. Instead invest that private school tuition to take your family to the next level and help your kids succeed"
X Link 2026-02-14T23:33Z [----] followers, [--] engagements

"$BTCI holding up better than Bitcoin I could really use another $50000 right now"
X Link 2026-02-06T15:43Z [----] followers, [---] engagements

"$SCHD is up 13.58% in one month You should own $SCHD its a great fund for your investment portfolio"
X Link 2026-02-06T22:38Z [----] followers, [----] engagements

"@DevotedDividend DCA is definitely the way with crypto .Even though I would totally drop $50k on $BTCI right now if I could 🤡"
X Link 2026-02-07T01:35Z [----] followers, [--] engagements

"only showing my fixed expenses in this example I need a lot more than $238000 to retire"
X Link 2026-02-07T04:24Z [----] followers, [--] engagements

"Bonds are terrible investments Bonds are NOT safe places to park your money Dividend Growth ETFs like $SCHD and $DGRO are https://t.co/xQ6nLYHAiA Bonds are NOT safe places to park your money Dividend Growth ETFs like $SCHD and $DGRO are https://t.co/xQ6nLYHAiA"
X Link 2026-02-08T01:10Z [----] followers, [---] engagements

"💰 My dividend income increased from $1139/month to $1149/month ♟ FIRE StrategyHow paying off your mortgage earlier = retire earlier 📈 Read My Investment Publications Bratto Biz Stan Store http://x.com/i/article/2020597286980444160 http://x.com/i/article/2020597286980444160"
X Link 2026-02-08T20:43Z [----] followers, [---] engagements

"We pinch pennies on the food and clothes we need but waste thousands on debt we dont need why If youre still at restaurants debating $10 price differences and purposefully making your vacation worse while keeping around hundreds and thousands of dollars of debt you need to think again"
X Link 2026-02-09T03:17Z [----] followers, [--] engagements

"If people have nothing else e.g. no 401k then invest in a Roth IRA and a taxable brokerage account 15% of your gross income MINIMUM For me investing in a pre tax 401k and a taxable brokerage account will give me a lower and more stable effective tax rate over my life time and allow me to retire much earlier than [--] y/o My kids will inherit my taxable brokerage account tax free as well Roth tax is paid at the marginal level only. Also its not tax free forever your kids will have to (most likely) move it into a taxable brokerage account once they inherit it where they will pay the capital gains"
X Link 2026-02-13T00:22Z [----] followers, [--] engagements

"People who make a lot of money must do this one thing: have a taxable brokerage account you have conviction in and are willing to scale to [--] figures. The two money skills 1) knowing how to make money and 2) knowing how to manage money are both critical to your ability to become financially independent one day. https://twitter.com/i/web/status/2022529022924636498 https://twitter.com/i/web/status/2022529022924636498"
X Link 2026-02-14T04:31Z [----] followers, [--] engagements

"@BarbellFi I like it except Id trade the bonds for more US stocks and maybe more international or US stocks for 10% less real estate"
X Link 2026-02-14T15:27Z [----] followers, [---] engagements

"@SCHDaccumulator $530 from $UWMC every quarter. Just one of my positions 😀"
X Link 2026-02-14T22:17Z [----] followers, [---] engagements

"Why paying off your mortgage early can help you retire earlier with LESS money. My budget template can do a lot more than just budget your basic billsit automatically tells you how much you need invested to cover them without you working"
X Link 2026-02-07T04:15Z [----] followers, [--] engagements

"Why is everyone against dividends Social media loves raging against dividends due to their extreme risk aversion to taxes and financial freedom before the age of [--]. Invest 15% of your gross income in a low cost index fund in retirement accounts and the rest in dividend ETFs in a taxable brokerage account to offset every single one of your bills and create financial security BEFORE youre [--] years old. https://twitter.com/i/web/status/2021013288361095571 https://twitter.com/i/web/status/2021013288361095571"
X Link 2026-02-10T00:08Z [----] followers, [---] engagements

"I make $38/day in passive dividend income regardless of what the market is doing or what fraud is being conducted on my behalf with my tax dollars. I never worry about buying lattes lunch or covering my friends and family for the same. I dont worry about most of my fixed expenses; like water internet and energy because I dont pay for them my dividends do. My goal is $10000/month of passive income. Whats your goal👇🏼 https://t.co/2gMlvlqdyc https://t.co/2gMlvlqdyc"
X Link 2026-02-10T20:50Z [----] followers, [---] engagements

"I own [----] shares of $SCHD These shares pay me $610 of passive income every quarter Its not enough to retire but it is enough to pay a few bills and have some fun"
X Link 2026-02-14T22:44Z [----] followers, [---] engagements

"💰 My dividend income increased from $1149/month to $1159/month ♟ FIRE Strategywhy bills you offset are immune to price increases 📈 Read My Investment Publications Bratto Biz Stan Store Financial http://x.com/i/article/2023091454290141184 http://x.com/i/article/2023091454290141184"
X Link 2026-02-15T17:51Z [----] followers, [--] engagements

"@austinhankwitz This was a great episode Definitely want to learn more about his social arbitrage investing method"
X Link 2025-04-15T02:21Z [----] followers, [--] engagements

"The safest income I have is from dividend growth ETFs like $SCHD $DGRO $SCHY Crazy people view investing in funds like these as risky. Your job is way more risky"
X Link 2025-06-22T17:22Z [----] followers, [---] engagements

"@ChrisCamillo @teekaycap @DumbMoneyTV Im the same way you turned me onto social arbitrage investing at the GRIT Money Summit"
X Link 2025-07-25T03:06Z [----] followers, [--] engagements

"International equities only meaningfully outperformed US equities once [--] years ago before massive globalization and technology yet people think Ex-US is relevant 😂"
X Link 2025-08-21T18:22Z [----] followers, [----] engagements

"LET'S GO $NIHI IntroducingtheNEOSMSCIEAFEHighIncomeETF(NIHI). Learnmoreathttps://t.co/beRpVVsSzS https://t.co/tFeaUsC8gN IntroducingtheNEOSMSCIEAFEHighIncomeETF(NIHI). Learnmoreathttps://t.co/beRpVVsSzS https://t.co/tFeaUsC8gN"
X Link 2025-09-18T16:02Z [----] followers, [---] engagements

"@DevotedDividend $IYRI if you want to stay in REITs $SCHD and/or $DGRO for dividend growth $BTCI if you dont own a whole coins worth yet"
X Link 2025-10-21T19:00Z [----] followers, [--] engagements

"@Budgetdog_ $SCHD $DGRO $SCHY $BTCI Maybe some others"
X Link 2025-12-01T00:59Z [----] followers, [---] engagements

"@APompliano This is def what weve seen given the rise of social arbitrage investing too @ChrisCamillo"
X Link 2025-12-02T00:40Z [----] followers, [--] engagements

"How $FDVV $DGRO and $SCHD's dividend metrics stack up Free no paywall link to full article: https://seekingalpha.com/article/4832924gt=ded1375b0f5c09f5 https://seekingalpha.com/article/4832924gt=ded1375b0f5c09f5"
X Link 2025-12-07T19:21Z [----] followers, [---] engagements

"Why is anyone still buying Bonds when you could buy a more diversified and less risky fund like $SCHD or $DGRO If youre walking into retirement with $1M of capital you and your family will be set [--] years later for generations to come"
X Link 2025-12-09T21:29Z [----] followers, [----] engagements

"Hows everyone feeling about international holdings these days My only direct international holding $SCHY has done really well this year but Im not sure its a good long term play to add to consistently"
X Link 2025-12-10T16:47Z [----] followers, [---] engagements

"@SpencerHakimian Noooooooo could have blopped that $1M $SCHD $DGRO"
X Link 2025-12-10T23:21Z [----] followers, [---] engagements

"Bonds are NOT safe places to park your money Dividend Growth ETFs like $SCHD and $DGRO are"
X Link 2025-12-15T00:44Z [----] followers, [----] engagements

"@SCHDETF HOLY CRAP this is huge I was concerned the streak would be broken this year. Glad I kept stacking and holding own about [---] shares"
X Link 2025-12-16T14:48Z [----] followers, [---] engagements

"$DGRO Q4 [----] dividend announced $0.4470/share 🤯 This is an 18% increase compared to last years Q4 payout and a 4.75% raise overall for [----]. I own [---] shares and will receive $400 of passive income this month 😎 I was seriously concerned $DGRO would not raise its dividend this year breaking its streak of uninterrupted dividend growth but Im happy to report I was wrong My job doesnt give me raises this big. This is why Im buying $DGRO and $SCHD every day to replace my salary with passive income from dividends. https://twitter.com/i/web/status/2000947340803244519"
X Link 2025-12-16T15:13Z [----] followers, [---] engagements

"@Lucky_8819 $SCHD and $DGRO have delivered uninterrupted dividend growth for over a decade through many periods so yes"
X Link 2025-12-18T01:06Z [----] followers, [--] engagements

"I buy $15 of annual income every. single. day. $50 of $SCHD $50 of $DGRO $50 of $BTCI Stocks Real Estate and Private Businesses are the only way to financial independence. I am prepared to lose it all if this fails"
X Link 2025-12-19T16:55Z [----] followers, [---] engagements

"@SStricklandMMA No but there will be volatility along the way. If you're worried about your portfolio get $4M-$5M in dividend ETFs like $SCHD and $DGRO and relax. Check out my stuff I give away all my research"
X Link 2025-12-19T22:49Z [----] followers, [--] engagements

"@ankurnagpal I do the exact same thing this is great financial advice $SPAXX"
X Link 2025-12-21T19:58Z [----] followers, [----] engagements

"If you own $DGRO ETF check out this free analysis of the annual reconstitution I published this morning https://seekingalpha.com/article/4855831gt=181bb3f926861885 https://seekingalpha.com/article/4855831gt=181bb3f926861885"
X Link 2025-12-26T17:03Z [----] followers, [---] engagements

"@ankurnagpal Ticker $BOXX does this"
X Link 2026-01-12T20:57Z [----] followers, [----] engagements

"You should invest for total returns not for dividends Thats why I invest in $SCHD $SCHD has posted a 12.30% annualized return vs. the S&P 500s 10.68%"
X Link 2026-01-14T18:27Z [----] followers, [----] engagements

"@kevinxu Still just as painful. I want you to have this money NOW. $10M gets you $300000/year in dividends via $SCHD $DGRO. 15% capital gains tax. Move to Florida for 0% state tax. Meme out a few times year to feel something. Christ what a life"
X Link 2026-01-16T19:53Z [----] followers, [---] engagements

"@cryptofergani Absolutely invest it in $SCHD $DGRO and forget"
X Link 2026-01-19T23:42Z [----] followers, [---] engagements

"Have the people with extremely aggressive timelines for AI & robotics investments ever been to a corporate office or factory floor Ive worked in both for the last [--] years: industrial equipment repair automotive manufacturing and healthcare. I assure you none of the advancements are being utilized AT ALL in big and small businesses. They wont be for a very long time in any meaningful way. The IT systems are a mess. The staff are a mess. The robots they do have cant reliably do basic tasks. Constant maintenance and troubleshooting. Cant even imagine a robot doing something more advanced than"
X Link 2026-01-22T17:50Z [----] followers, [--] engagements

"@Bitcoin_Teddy 401ks are way better than pensions not even close"
X Link 2026-01-24T19:12Z [----] followers, [----] engagements

"@Alice_MiaX My goal is to own one Bitcoins worth of $BTCI (currently at around 10%) and you have like two bitcoins worth lol"
X Link 2026-01-25T03:49Z [----] followers, [---] engagements

"@RurbanHermit @Bitcoin_Teddy Cant pass a pension down to your kids"
X Link 2026-01-25T13:15Z [----] followers, [---] engagements

"Robinhood $HOOD will always struggle to bring their average account balance up because its filled with normies meming stonks and investing like Kalshi prediction markets Most users would be better off dividend maxxing $SCHD 😂"
X Link 2026-01-25T21:40Z [----] followers, [----] engagements

"I mostly hold ETFs like $SCHD and $DGRO for this reason"
X Link 2026-01-28T00:48Z [----] followers, [---] engagements

"@cashcookr Not what I said but I agree what you wrote is pretty dumb"
X Link 2026-01-28T04:55Z [----] followers, [--] engagements

"Whats your $SCHD share goal👇 [-----] shares is my goal right now"
X Link 2026-01-28T23:28Z [----] followers, [---] engagements

"Tax drag is one of those things influencers and financial advisors love to harp on but have no idea what theyre talking aboutbecause theyve never had serious money in there account and hide behind theory. Ive never paid a significant amount of taxes in my taxable brokerage account and I never will thanks to the tax code. I hope I do actually because that means Im financially free 😂 https://twitter.com/i/web/status/2017025084188213257 https://twitter.com/i/web/status/2017025084188213257"
X Link 2026-01-30T00:00Z [----] followers, [--] engagements

"Im buying $BTCI HEAVY tomorrow My goal is to own one Bitcoin via $BTCI"
X Link 2026-01-30T02:24Z [----] followers, [----] engagements

"Unpopular opinion but financial independence isnt found by maxing out a Roth IRA every year"
X Link 2026-01-30T13:00Z [----] followers, [---] engagements

"@theficouple I do both. Mostly index investing and smaller stakes in high conviction high growth single stocks I research and follow"
X Link 2026-01-30T14:11Z [----] followers, [----] engagements

"@UltraRunner26 @SCHDETF A fat amount of $DGRO shares may be the most solid investment ever So strong"
X Link 2026-01-30T14:16Z [----] followers, [--] engagements

"Dividend ETFs like $SCHD and $DGRO are the only true forms of passive income but youre right it takes a lot of capital and therefore work to get there. Compounding and annual raises from your dividends help a ton though. Starting with a little is ok. People want passive income to have financial security. It is impossible for a job to give you financial security. Two different structures. https://twitter.com/i/web/status/2017601872253640860 https://twitter.com/i/web/status/2017601872253640860"
X Link 2026-01-31T14:12Z [----] followers, [--] engagements

"Maxing out a 401k IRA Mega giga sigma backdoor Roth IRA etc. will DELAY your financial independence by DECADES Its completely unnecessary unless you like asking for time off as a grown adult Financial independence isnt found in retirement accounts. Retirement accounts are just tax planning tools. https://twitter.com/i/web/status/2017621036372537809 https://twitter.com/i/web/status/2017621036372537809"
X Link 2026-01-31T15:28Z [----] followers, [--] engagements

"Can you imagine being [--] with $283000 or worse [--] with over $1000000 in an investment account you cant touch for another [----] years All because your parents were risk adverse to taxes"
X Link 2026-01-31T16:55Z [----] followers, [--] engagements

"How to retire your family multimillionaires if you die: term life insurance and a dividend portfolio in a taxable brokerage account. Thats it. Retirement accounts will not save your family and your risk aversion to taxes wont either"
X Link 2026-01-31T18:32Z [----] followers, [---] engagements

"I welcome the Bitcoin correction It will make becoming a whole coiner much easier May need to dig deeper Monday morning to pick up another [---] shares of $BTCI"
X Link 2026-02-01T01:04Z [----] followers, [---] engagements

"@WOLF_Financial @Kalshi Lmfao 🤣"
X Link 2026-02-01T03:19Z [----] followers, [--] engagements

"@BarbellFi Hope you didnt tie all your money up in retirement accounts"
X Link 2026-02-01T13:26Z [----] followers, [---] engagements

"@APompliano Things are still expensive. More deflation"
X Link 2026-02-01T16:19Z [----] followers, [---] engagements

"Working to pay for your living expenses is CRAZY make your dividends pay for them instead. Invest in dividend ETFs like SCHD and DGRO to offset every single one of your bills to become financially independent well before the age of [--] years old"
X Link 2026-02-02T19:18Z [----] followers, [---] engagements

"🚨 $SCHD just broke $30/share Its already up 8.71% in one month vs the S&P 500s measly 1.37% Glad I SCHDmaxxed last year hows your $VOO holding up 🤣"
X Link 2026-02-02T20:19Z [----] followers, [----] engagements

"You can't maintain "Past performance is not indicative of future results" (it is) while also peddling. "Max out a Roth IRA by investing in an S&P [---] index fund to retire a tax-free multi-millionaire one day""
X Link 2026-02-03T22:00Z [----] followers, [---] engagements

"Harsh truth The Epstein files ICE raids fraud in blue states etc. are entertainment Hopefully no one's looking at these as serious scandals expecting some sort of closure or outcome https://twitter.com/i/web/status/2018896069199876272 https://twitter.com/i/web/status/2018896069199876272"
X Link 2026-02-04T03:55Z [----] followers, [---] engagements

"The Epstein files are entertainment for the people This is not a scandal you get an outcome or closure from because its entertainment The best entertainment always leaves you hanging Needs to be above zero Needs to be above zero"
X Link 2026-02-05T03:55Z [----] followers, [---] engagements

"Well aware Doug. Other than that being an awful idea on several levels (irreversible decision and hurts your tax-free balance after [--] which is what makes a Roth IRA so powerful in the first place) can you retire early on [--] or [--] years of Roth contributions The GAINS are what make investing powerful and retiring at all possible not contributions"
X Link 2026-02-05T14:54Z [----] followers, [----] engagements

"But Dad is that what enabled you to retire early What assets and accounts are enabling you to be retired at [--] to pay this months bills I always say if you want to FIRE you invest in Real Estate Private Businesses and Stocks in a Taxable Brokerage Account (because everyone I know that's FIRE did that) For sure having the fat 401k will help later and life and your retirement plan but it's not what enabled your early retirement. https://twitter.com/i/web/status/2019426174372286805 https://twitter.com/i/web/status/2019426174372286805"
X Link 2026-02-05T15:01Z [----] followers, [---] engagements

"@cliffcornell_ The second CFP to object with no counter interesting. Is that all your "compliance" department will let you reply with"
X Link 2026-02-05T15:05Z [----] followers, [---] engagements

"@_viresInNumeris @dougboneparth That's not what I said at all lol I'm not against investing in retirement accounts. This post is about retiring EARLY ( [--] years old)"
X Link 2026-02-05T15:10Z [----] followers, [--] engagements

"@FiSurgi Yeah but why"
X Link 2026-02-05T15:15Z [----] followers, [---] engagements

"@Luke_Swanson_ Call me in [--] years when you retire using this convoluted method Warning: may be loud as I'll be on the beach when you do https://app.minnect.com/expert/NicholasBratto https://app.minnect.com/expert/NicholasBratto"
X Link 2026-02-05T16:19Z [----] followers, [--] engagements

"Again you're deflecting with a different topic. No one is retiring early doing what you're saying though Doug. The people that retire early invest is real estate private businesses and stocks in a taxable brokerage account. I'm sure you know wealthy people in your circle. Also 8.1k from a guy with [----] followers vs. 6.9k from a guy with 300k followers is not an impressive flex and your math is wrong anyway lol https://twitter.com/i/web/status/2019447822827856359 https://twitter.com/i/web/status/2019447822827856359"
X Link 2026-02-05T16:27Z [----] followers, [---] engagements

"@KylerNielsen Except that's not what I'm saying LOL Thanks for demonstrating your financial literacy"
X Link 2026-02-05T16:29Z [----] followers, [--] engagements

"@DrewTalksNFL @dougboneparth @MekanduhV I dont sell courses"
X Link 2026-02-05T17:36Z [----] followers, [--] engagements

"@T_Rey_19 @TKopelman I think providing a tool and content to visualize offsetting every single one of your bills which are never going away for the rest of your life using stocks real estate and private business income is a great proposition"
X Link 2026-02-05T18:24Z [----] followers, [--] engagements

"@TKopelman @cliffcornell_ Thomas you can't retire early on Roth contributions😭 stop the cope"
X Link 2026-02-05T18:39Z [----] followers, [--] engagements

"If you did the same thing in a Taxable Brokerage Account assuming 0.5% tax drag (my account is lower but w.e. even a full 1% is fine) you would have.$2050000. and instead of draining $750k (awful decision) or trying to live off the dividend/capital gains of $750k you can live off $80000/year of dividends/capital gains and maybe even pay 0% in federal income taxes. If not no problem let's assume the 15% federal income taxes so you'd make $68000 all-in because you or your spouse still works or has other sources of income. Sounds like a great life to me. And that account will keep growing your"
X Link 2026-02-05T18:58Z [----] followers, [--] engagements

"I appreciate your well thought out response and context. I can understand how it comes off. A lot watch the first [--] seconds and equate it to "don't use retirement accounts" like a life insurance scam. That's not my angle. In fact my views on financial planning balance risk and wealth better than Dave Ramsey and the money guys. At a high level I'm not against retirement accounts. I use them. They help manage taxes and safeguard retirement. I am against maxing out retirement accounts prior to contributing to a taxable brokerage account. There are other ways to retire early other than maxing"
X Link 2026-02-05T20:18Z [----] followers, [--] engagements

"@jarett_busacca @cliffcornell_ Another CFP somehow offering no response LOL this is concerning"
X Link 2026-02-06T00:00Z [----] followers, [--] engagements

"@loudc2255 The entire video is about aggressively investing money inside or outside retirement accounts. The most important behavior is investing money as early as possible not saving money. That is what the time value of money applies to"
X Link 2026-02-06T14:36Z [----] followers, [--] engagements

"@loudc2255 Saving and investing are two different things. Financially literate people understand this. Not licensed (on purpose) and posting advice 100%"
X Link 2026-02-06T17:06Z [----] followers, [--] engagements

"Its not false and I will pay to spread this message far and wide. No ones future is being damaged by investing money aggressively in diversified index fundsno matter the account. Research overwhelmingly indicates that individuals should utilize 401(k)s and IRAs as key components of retirement planning Where exactly in that video did I say you shouldnt utilize them You know theres a difference between maxing out three retirement accounts and investing 15% of your gross income in retirement accounts right Go watch that video and obsess over it bot."
X Link 2026-02-06T17:17Z [----] followers, [--] engagements

"I feel so bad for people that attempt to retire by using the 4% rule aka selling shares of their index funds. Never ends well like this poor man who now has to go work part time until he dies The only way to retire off equities and not go broke is by living off of dividends"
X Link 2025-06-26T23:32Z [----] followers, 10.8K engagements

"Not all financial advisors are financially literate. Heres one way to find out: ask if you need an emergency fund when you have a multi-million dollar dividend paying portfolio in a taxable brokerage account"
X Link 2025-08-14T11:41Z [----] followers, [----] engagements

"@sweatystartup @JackW832 This is why I buy $BTCI"
X Link 2026-02-01T03:16Z [----] followers, [--] engagements

"@dividendology Do the core and alt assets NEOS funds instead until all your core fixed expenses are covered Then all other money goes into $SCHD and $DGRO"
X Link 2026-02-01T16:25Z [----] followers, [---] engagements

"@Alice_MiaX $BTCI did not drop this much different currency"
X Link 2026-02-02T18:48Z [----] followers, [---] engagements

"@DevotedDividend I bought another [---] shares at $41 thinking it was a great buy. Almost did it again at $37. Now its at $32. My goal is [----] shares which is one Bitcoins worth. Im waiting till it drops more or stabilizes. If we go into the $20s Ill consider selling my $UWMC for [----] shares"
X Link 2026-02-06T01:28Z [----] followers, [---] engagements

"Heres a few bills I dont worry about anymore because my dividends pay for them. [--]. Netflix [--]. Water [--]. Energy Download my budget template today and see what it takes for you to stop worrying too #budget"
X Link 2026-01-24T23:33Z [----] followers, [----] engagements

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