@JrdnMcFarland Avatar @JrdnMcFarland Jordan McFarland, CFP®, EA

Jordan McFarland, CFP®, EA posts on X about business, ea, if you, 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 countries 99.01% finance 48.51% stocks 6.93% technology brands 3.96% social networks 0.99%

Social topic influence business #1541, ea #109, if you 10.89%, money 10.89%, this is 6.93%, in the 5.94%, retirement 4.95%, insurance 4.95%, future 3.96%, books #3075

Top accounts mentioned or mentioned by @raydalio @mrnqdc @receptivedesign @mikecjunior @kurtsupecpa @moneycruncher @upholdreality @proeraassoc @spxsatoshi @mariosewnice @realestatetrent @mattgray @wwmiloww @johndewey122925 @azebenezer @jnissikim @txcardboyz @themoviedadsc @seviay31 @thegeodexes

Top Social Posts

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

"@KurtSupeCPA Hes talking about the AFR rate. Its a fraction of what current interest rates are decided by the government. Essentially they dont want rich families letting their kids avoid paying the credit card companies interest for having the bank of mom and dad instead of Capital One"
X Link 2026-02-01T15:42Z [---] followers, [----] engagements

"We were at war with Nazi Germany in [----]. Our president was assassinated shortly after avoiding nuclear war with the Soviet Union only to be followed up with tens of thousands of college age men dying in Vietnam. Those are two random examples from [---] years of history. And now with no men on the ground in foreign nations the stock market near all time highs interest rates below 5%our future has never been more grim Oh pal there are podcasts for this. https://twitter.com/i/web/status/2019592998116311234 https://twitter.com/i/web/status/2019592998116311234"
X Link 2026-02-06T02:04Z [---] followers, [---] engagements

"45 year old business owner was referred in last week. Just sold his business. Owes $900k in taxes this April. Hurts. There are many things a business owner can do to eliminate a portion of their taxes owed to the IRS but it's all about getting ahead. You must plan for your sale years before you even receive an offer to make the most out of your sale proceeds. Don't believe me Ask any of your entrepreneurial friends. Everyone who has sold has at least one thing they would've changed. It's often around taxes"
X Link 2026-02-07T22:01Z [---] followers, [---] engagements

"@rohanpaul_ai Just wait until St. Joe County residents see their utility bills creep over time. Supply and demand is undefeated"
X Link 2026-02-08T16:23Z [---] followers, [--] engagements

"What's the worst tax advice you've ever been given"
X Link 2026-02-09T13:08Z [---] followers, [----] engagements

"This is a true and advanced one. Wealthy people hate taxes and still pay way more than they need to simply because they believe they'll always be in that higher tax bracket. It really is about future tax brackets but when your average tax rate is 25% above (average not highest) you need to do some serious thinking"
X Link 2026-02-09T16:41Z [---] followers, [---] engagements

"Owning a business with your spouse can be great but there are a few tax disadvantages that come along with it. When you earn a profit as a business owner you have self-employment or "payroll tax" regardless of whether you lower that profit through retirement contributions etc. Because of this your profits are taxed at 15.3% per spouse. And that's a big distinction to make. Let's run through it"
X Link 2026-02-09T17:06Z [---] followers, [---] engagements

"@BoringBiz_ Good take. "Out of sight out of mind." Not to mention much of learning is through osmosis. Being around the best naturally teaches you without having to ever sit down for a Zoom call"
X Link 2026-02-09T19:16Z [---] followers, [----] engagements

"Not true at all. His advice still works for most people in America just not when finances get complex. Does he still insist on mutual funds instead of ETFs Sure but thats a small bit. Either outpace inflation. His core message of eliminate debt learn to spend and invest regularly plays for most Americans. Calling it financial malpractice is just flat out wrong"
X Link 2026-02-10T02:32Z [---] followers, 15.1K engagements

"@money_cruncher Ranges from 1-6 years. Only counts for the employer portion which is usually around 2-3 years in my experience. The reason they do it is to incentivize employees to stay as well as not overcomp quick turnover employees"
X Link 2026-02-10T02:34Z [---] followers, [----] engagements

"@upholdreality Guys relax. Ray has been preaching this stuff since [----]. Hes been right once (2008) and the rest is just throwing stuff against a wall and seeing what sticks"
X Link 2026-02-10T02:53Z [---] followers, [---] engagements

"Yeah as someone already shared lower fees to own it. The other piece is dependent on what type of account you own them in. At the end of the year every mutual fund kicks off taxable capital gains it made during the year regardless of if you owned it at the time. So you could technically pay tax on a gain that you never had. https://twitter.com/i/web/status/2021227899508961767 https://twitter.com/i/web/status/2021227899508961767"
X Link 2026-02-10T14:20Z [---] followers, [---] engagements

"@ReceptiveDesign @halstonvalencia Yeah the interest rate game is so annoying. But when you take a loan against your home you are paying interest still"
X Link 2026-02-10T14:23Z [---] followers, [---] engagements

"@ProEraAssoc @bloggersarvesh Is it a separate app or directly on Claude"
X Link 2026-02-10T14:24Z [---] followers, [--] engagements

"FSAs are built with pre-tax money meaning you can avoid paying income tax on the funds. They have a "use it or lose it" provision which means you must empty the account before the end of the year. Sometimes you can receive a grace period of a few extra months but it's not worth testing it out. Max this year is $3400 per employee (not household)"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"HSAs are "triple tax advantaged". Money goes in pre-tax grows tax-deferred and comes out tax-free. As long as spent on a qualified medical purchase. The reason I mentioned HSAs are better for long term expenses are: - You can invest the funds - There's no time limit during your life - Once you turn [--] you can withdraw money without penalty* HSAs can be a great "next account" when you've maxed out your retirement account and want to lower your taxable income even further. Sometimes employers will even match the HSA similar to a 401(k) like the electrical company I'm speaking at today."
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"Typically you can only pick one. And that is decided by your health insurance plan. If you are in a "high deductible plan" through your employer you are eligible for the HSA. If you are in non HDHP you are only eligible for the FSA"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"Special Note: Parents there is also a Dependent Care FSA. This is a unique one. Every household gets a max $7500 to contribute to this for '26. This allows pre-tax funding for an account that will pay for: - Daycare - Pre-school - Even elderly care Most pay for their kids' daycare out of their checking account that has already been taxed. This offers you the ability to pay $7500 before it's been taxed. https://twitter.com/i/web/status/2021230252014567601 https://twitter.com/i/web/status/2021230252014567601"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"2. Insurance Most people couldn't care less about insurance. That's why the commercials are so tacky. Anything to get your attention. But the honest truth is they're a non-negotiable for most families. Mainly: life + disability"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"Life insurance replaces income. Most look at 10x their income but in reality it's more complex: - Age - Debt - Health - Job/Income - Family situation Some families are able to self-insure others aren't. Some families have tons of debt others have none. It's all about knowing your weaknesses and then insuring them. https://twitter.com/i/web/status/2021230275842408699 https://twitter.com/i/web/status/2021230275842408699"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"Disability insurance is also about replacing your income but it's for the event where an event leaves you unemployable/compromised. Several of the factors listed above are a good start for disability also but typically this is how disability insurance would "play out". [--]. You get disabled (God forbid) and cannot work. [--]. You get put on "short-term disability" which will cover 100% of your income for some time (normally around [--] weeks). [--]. From [--] weeks to 26% that might drop from 100% to 60%. [--]. At [--] weeks "long term disability kicks in" where typically 50% of income is covered up to a max"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"3. Retirement benefits Everyone has heard it. "Contribute up to the match." This simply means adding enough to your company 401(k) to get the "free money" or "automatic return" the employer provides by matching your contribution. Typically you will see this as a percentage of your income. If you contribute the max $24.5k for [----] and your company matches 6% this will be based on 6% of your income not the contribution. https://twitter.com/i/web/status/2021230299624112208 https://twitter.com/i/web/status/2021230299624112208"
X Link 2026-02-10T14:30Z [---] followers, [--] engagements

"@SPXSatoshi Most also don't realize there's a third bucket many employers allow which can be used for a "mega backdoor Roth." Can push $72k in total in [----]. $80k if [--] or over"
X Link 2026-02-10T21:44Z [---] followers, [---] engagements

"1) 401(k) Options Most thought the 401(k) had to be either "Roth" or "Traditional." In reality you can choose both or either and you get up to $24500 as the employee in [----]. + $8k if you're [--] and over. (catch up contribution) The catch up contribution MUST be Roth if you made $145k last year"
X Link 2026-02-10T22:44Z [---] followers, [--] engagements

"2) Insurance Most are underinsured. Sure your employer probably covers your income x [--] or something similar but if you're [--] years old with: - Kids - Mortgage - Increasing Income You're probably going to want to look at adding more life and disability. The benefit of buying insurance outside your employer is that it follows you if you leave. https://twitter.com/i/web/status/2021354674343874798 https://twitter.com/i/web/status/2021354674343874798"
X Link 2026-02-10T22:44Z [---] followers, [--] engagements

"3) Donations Most give out of checking accounts with after-tax cash. Good not great. Donor advised funds allow you to take: [--]. Present day deductions [--]. Invest the money over time [--]. Donate on your schedule same as before"
X Link 2026-02-10T22:44Z [---] followers, [--] engagements

"While you can technically give any appreciated asset to a 501(c)3 organization and you will get the present day deduction based on the value at the time the DAF allows for: - Long term investing - More control over timing and amount - Ability to "front load" giving to take bigger deductions Bottom line: You don't want to give cash to a charity. If you're going to give there are more efficient ways. https://twitter.com/i/web/status/2021354679871885721 https://twitter.com/i/web/status/2021354679871885721"
X Link 2026-02-10T22:44Z [---] followers, [--] engagements

"What industry or profession are you in Do you actually think AI is going to take over your job or your industry in the next ten years Past that point it's not worth predicting IMO. Curious to hear answers"
X Link 2026-02-11T15:03Z [---] followers, [---] engagements

"@MarioSewNice @upholdreality Yeah I agree but he's been wrong about a thousand times in the last [--] years or so. Not so much that I care if he's right or wrong but he sounds the alarm and keeps investors spooked and they end up missing out on life changing money"
X Link 2026-02-11T20:58Z [---] followers, [--] engagements

"@CREwithGarrett Yeah if someone is willing to invest in commercial real estate with the "approval" of AI or find the best deals on the market through it they're going to have a heck of a time"
X Link 2026-02-11T22:51Z [---] followers, [--] engagements

"Lol I think you took this article a little too seriously. I dont care if you have your mortgage paid off youre in danger if you dont have an income. Theres no scenario where theres a oh good I lost my job but at least I dont have a mortgage. Income at our age is crucial. https://twitter.com/i/web/status/2021767634954436914 https://twitter.com/i/web/status/2021767634954436914"
X Link 2026-02-12T02:05Z [---] followers, [---] engagements

"@realEstateTrent Maybe so. I just tried coding on Claude and can see why its gotten all of the rage though"
X Link 2026-02-12T02:42Z [---] followers, 22.7K engagements

"In [----] Fidelity saw [---] million grants go out from their donor advised funds (DAFs) which saved investors MILLIONS in taxes. Don't know what a DAF is Give me three swipes and I'll get you there"
X Link 2026-02-12T12:45Z [---] followers, [---] engagements

"@TheMattViera Some click-hungry finfluencer is currently taking this list copying into GPT and inverting it to post later today"
X Link 2026-02-12T14:46Z [---] followers, [--] engagements

"There's no easy fix for it. Just a slow walk up hill. Most people think the answer is go on a social media fast go on a weekend getaway or do something over the top. My opinion Short consistent spurts every single day of: - Reading long form content (doesn't need to be books but they're the easiest to keep from clicking off) - Walks without headphones podcasts music etc. Just move man. - Keep a book next to the bed. If you actually struggle that badly with reading for long periods of time you'll bore yourself so badly you'll fall asleep. Dead serious about no. 3."
X Link 2026-02-12T14:49Z [---] followers, [---] engagements

"@Bitcoin_Teddy Kindle would like a word"
X Link 2026-02-12T14:50Z [---] followers, [---] engagements

"It's just a four year cycle. Always. That's why no party will ever reign for long. "Hey remember that thing you've hated for the last [--] years We'll fix it." *People find new stuff to hate. Next election cycle: "Hey remember that thing you've hated for the last [--] years We'll fix it." https://twitter.com/i/web/status/2021976127405707574 https://twitter.com/i/web/status/2021976127405707574"
X Link 2026-02-12T15:54Z [---] followers, [---] engagements

"@TheCompoundNews [--] mil portfolio. sell [--] mil buy house. [--] mil increases at 8% a year for [--] years. [--] mil increases at 5% a year until I sell or not. Two totally different types of personal capital. One's an investment one's not. One's liquid one's not"
X Link 2026-02-12T22:59Z [---] followers, [---] engagements

"@Tekeee Do you mean private equity as in being an investor or just owning private businesses Same with crypto"
X Link 2026-02-13T00:11Z [---] followers, [---] engagements

"@The_Money_Buddy Also my algorithm loves it. I comment on like one or two of those bad boys and my entire feed is liquidating to cash and calling for AI to end the world while the housing market crashes and we're all doomed"
X Link 2026-02-13T03:01Z [---] followers, [--] engagements

"@Invested_In_You Its a common scenario. One of the difficult things about this too is the return on properties come from [--] things. Scaling and tax deductions. They also go hand in hand so if you stop scaling its not only your returns that may lag but also your future tax deductions"
X Link 2026-02-13T14:28Z [---] followers, [--] engagements

"@ShawnOnTheRight @WellsFargo Good move. Dont go to BofA next then"
X Link 2026-02-13T14:29Z [---] followers, [---] engagements

"@paulswaney3 To play devils advocate a bit it's a bit unfair to refer to PE as a collective when there are only around [----] public companies left to invest in. Granted I have not read this book - will soon but that's my hesitation"
X Link 2026-02-13T16:50Z [---] followers, [---] engagements

"@GenZMultifamily We need to talk about your Chipotle bowl bro. Youve got plenty more in the tank with this haul"
X Link 2026-02-14T01:47Z [---] followers, [--] engagements

"@BarbellFi That is a great portfolio. The 35% real estate is remarkably high for a normal [--] year old unless you have one of two things: knowledge or money. Guessing you have both so well done sir"
X Link 2026-02-14T14:30Z [---] followers, [----] engagements

"@matt_gray_ The amount of iterations it takes to get there too Version [--] typically sucks. Version [--] Not so bad"
X Link 2026-02-14T23:22Z [---] followers, [--] engagements

"@wwmiloww @RayDalio Who tends to make more"
X Link 2026-02-15T14:42Z [---] followers, [----] engagements

"@GenXmillionaire It all depends on the actual dollar figure behind cash and stocks. Retirement is all about liquidity"
X Link 2026-02-15T17:57Z [---] followers, [--] engagements

"Two more quick rules: [--]. Depending on your income you could technically "over gift" and not be able to deduct it all in one year. No sweat it has a 5-year carry forward so you can take deductions in future years. [--]. You'll want to consider gifting "long term gains" if you're thinking about doing this as if you gift "short term gains" you'll only be able to use the cost you paid towards cutting your taxes not the full present value"
X Link 2026-02-12T12:45Z [---] followers, [--] engagements

"Business owners are typically terrified of the day they exit their business but not for the reasons that are pure overused word vomit. They get to a certain point and realize "Hey I'm pretty good at this." Its not about the concern that they won't have enough money someday but that theyre going to do something at the pinnacle of their success that they regret later. Selling too soon. Selling too late. Selling for too little. Selling to the wrong buyer. Paying too much in taxes in the process. Money is rarely the ultimate problem but putting the puzzle pieces together before the game is over"
X Link 2026-02-12T17:30Z [---] followers, [---] engagements

"Pessimism just sounds smarter and more plausible than optimism." "Tell someone that everything will be great and theyre likely to either shrug you off or offer a skeptical eye." "Tell someone theyre in danger and you have their undivided attention. - Housel"
X Link 2026-02-13T02:40Z [---] followers, [---] engagements

"Most people think that when a couple makes $500k$750k most of their problems go away. And no this is not one of those posts about "money does not equal happiness." I don't know and it very likely COULD. Now from my experience working with dozens of couples in this income range I can say "moving goal posts" are real. Many of these couples still feel behind due to the high cost of living events that every family faces: - Kids - New home - Business expenses go up A lot of times these couples live in higher cost metro areas drive nicer cars to keep their profile (not judging stating a fact) and"
X Link 2026-02-13T12:45Z [---] followers, [---] engagements

"Decision fatigue strikes most successful business owners its only a matter of when. Rarely will you lack optionality in your choices but rather lack the time to intently prioritize the options consult and execute. Between. - kids - sleep - exercise - business - marriage - spiritual life Theres only so much time a man has in a day. Use leverage when you can. Outsource the important yet untouched"
X Link 2026-02-13T18:30Z [---] followers, [---] engagements

"Why does it feel like were not as wealthy as our neighbors I live in Dallas one of the top 5% wealthiest cities in America. This is a common scene even for families making north of $1M a year or those with north of $10M to their name. Between. - saving for/paying taxes - increasing expenses with kids - more charities asking for support - assets tied up in the business operations - assets tied up in real estate/private investments Income evaporates rather quickly. You take a step outside your door and see your neighbor has got himself a new shiny Ford Raptor. I mean McLaren. Sorry I guess"
X Link 2026-02-13T21:45Z [---] followers, [---] engagements

"This is definitely something I had not come to a conclusion on. The tough part is there is no standard fee like you have with a CPA. Example you come in they spend [--] mins filing your return. They move on. Done. With wealth management I look at some our clients portfolios several times a week Im juggling tax/estate/personal decisions constantly and they can pick up a phone and call me. So I definitely get the argument but its so tough to know whats fair. Flat fee makes sense may make sense for ridiculously large accounts but I think itd be more on a case by case basis"
X Link 2026-02-14T15:02Z [---] followers, [---] engagements

"You bet. I think its a conversation that needs to be had more often. I think from both perspectives it could be unfair because if Im getting the same service at 1% of 500k why am I paying 1% on [--] mil some years later But also just this past week Ive been working with a business owner going through selling their business estimated taxes this year etc. and were doing AUM on a 250k Roth IRA so then its terrible for us ya know. To answer the question though I guess it could but itd be a really expensive fee. No good advisor wants to bid themselves down and until we have advisors charging 1% to"
X Link 2026-02-14T15:28Z [---] followers, [--] engagements

"If you own a business you need to get one thing straight with the IRS. You're not paying them once per year. You're paying them every few months. These are known as "estimated payments." It's crucial to understand or you'll constantly feel: - You're overpaying your taxes - You have no handle on your personal/business plan - You're "building the plane" while flying it at [-----] feet"
X Link 2026-02-14T17:00Z [---] followers, [---] engagements

""I have no idea how much I'm going to make this year." Many high earners regardless of whether they own businesses or not have fluctuating income. - a lawyer who switched firms - a salesman produces less in a down year - a business owner hires employees for the first time There are these "surprise" events that take place in all of our careers that we cannot predict but must face to be successful. Throughout this time having a "bucket of cash" to turn to is crucial. The basic rule of thumb says: - Two incomes = [--] mo's expenses - One income = [--] mo's expenses Past this point you may be missing"
X Link 2026-02-15T14:30Z [---] followers, [---] engagements

"@MichaelAArouet For those of you who have family wealth read a couple of books written by Dr. Richard Orlando. Discusses the shirt sleeves to shirt sleeves issue with these families"
X Link 2026-02-15T14:58Z [---] followers, [---] engagements

"@loganallec Most financial advisors are legit clueless on taxes beyond the basics of like Roth conversions and RMDs. When I got my EA one of my first takeaways was Oh so the CFP teaches like 10% of this lol"
X Link 2026-02-15T15:12Z [---] followers, [---] engagements

""In x years people with x job are going to be unemployed." Why do we do this To me this is right up there with Fox News or CNN putting "BREAKING" before everything. Pure word vomit for clicks and views. Have we not learned that we know almost nothing about nearly anything Much less the future Give it a break. Take a walk. Do your best today and try to evade the boulders on your journey as they come"
X Link 2026-02-15T16:09Z [---] followers, [---] engagements

"When you go to file your taxes this year you may notice you have a "better shot" at itemizing your deductions and reducing your taxable income. If you made below $500k you now get up to $40k from SALT* to add to your itemized deductions. This is 4x the previous year where you could only add up to $10k. This applies to BOTH single filers and MFJ. * = state and local taxes"
X Link 2026-02-15T17:45Z [---] followers, [--] engagements

"This is a great post. I think most people think real estate is not working and getting paid passive income but the start is brutal as you mentioned. This is why it could be ideal for one spouse to focus on building a RE portfolio get the tax benefits while the other spouse stays employed. https://twitter.com/i/web/status/2023093943114534925 https://twitter.com/i/web/status/2023093943114534925"
X Link 2026-02-15T17:55Z [---] followers, [--] engagements

"@JohnDewey122925 @RayDalio 2030: "Nevermind there's a new world order. I'm releasing a book about it.""
X Link 2026-02-15T17:58Z [---] followers, [---] engagements

"Gentlemen Ive found the next value investment to shoot for. Shall we make an institutional push to make the day after Valentines DayValentines Day"
X Link 2026-02-15T18:34Z [---] followers, [---] engagements

"@matt_gray_ Ha okay. Maybe we could extend out a little further. I get it [--] years is a long time but [--] hrs is also too short. Maybe meet me in the middle"
X Link 2026-02-16T16:06Z [---] followers, [--] engagements

"What's a simple way to avoid tax penalties with the IRS while not overpaying them throughout the year as an entrepreneur Understand safe harbor. Safe harbor allows you to avoid penalties from the IRS in [--] simple ways: [--]. You owe less than $1k in taxes come filing date [--]. You paid at least 90% of this year's tax liability owed [--]. You paid either 100% or 110% of last year's tax liability owed* This is only one step in the process as this is more of a "shield from penalties" than a process to find how much you'll owe from profits. *Depends on income"
X Link 2026-02-14T21:45Z [---] followers, [---] engagements

"@RayDalio Ive never seen Ray Dalio say one positive thing about the market or the economy and he owns one of the largest hedge funds in the world. Theres something to be said for that"
X Link 2026-02-14T22:37Z [---] followers, 242.1K engagements

"@TKopelman Thomas how many private credit or private equity emails do you get a day More or less than 10"
X Link 2026-02-14T23:30Z [---] followers, [--] engagements

"@MikeCjunior @RayDalio Ive read his books and theyre great. Systems make a lot of sense and he deserves his respect. But from a historical perspective hes called a depression about 20x and got right once in 08"
X Link 2026-02-14T23:31Z [---] followers, [----] engagements

"@AzEbenezer @RayDalio Shoot depending on the hedge fund strategy it might be required to be a pessimist. Shorting companies takes a ton of stones"
X Link 2026-02-15T01:08Z [---] followers, [--] engagements

"@BrianLaManna_ Several of the teens listed I assumed were younger. Stripe Datadog and a few others are huge players in the private markets right now but its crazy to see theyve already been around for a decade +"
X Link 2026-02-15T01:30Z [---] followers, [----] engagements

"@jnissikim @RayDalio Noah built the ark on a righteous mission for God and led to humanitys saving. Ray is essentially sowing discord by telling people a market crash is coming for [--] decades while keeping a close relationship with China in the process. So yeah theyre not all that similar"
X Link 2026-02-15T02:05Z [---] followers, [---] engagements

"Once you get above the "high income threshold" you're not all the way out the door. You may still be able to claim partial SALT deductions on top of the $10k that is permitted for ALL taxpayers"
X Link 2026-02-15T17:45Z [---] followers, [--] engagements

"These are just one of the many ways working with a CPA or even a financial advisor who factors taxes into your planning can be helpful. Follow me for more tax-related visuals to help you understand your wealth. Disclosure: Visuals for illustration only; consult with a tax or financial professional for your situation. https://twitter.com/i/web/status/2023091236870168906 https://twitter.com/i/web/status/2023091236870168906"
X Link 2026-02-15T17:45Z [---] followers, [--] engagements

"@SPXSatoshi Crazy thing is I Peloton now. Didn't then. But would never invest in it"
X Link 2026-02-15T17:56Z [---] followers, [----] engagements

"Einstein was correct when he said compound interest was the 8th wonder of the world. But at times we forget it's the gap between what you earn and what you spend that matters the most at first. Compounding on small numbers takes a LONG time to start seeing any growth. Think back to how hard it was to get to your first $100k invested and you'll have a great reason for why"
X Link 2026-02-15T20:56Z [---] followers, [---] engagements

""Most people don't fail at business because of bad ideas." ."they fail because they spent [--] months building something nobody asked for." In the age of "create anything you want on Claude or ChatGPT" what stays the same is humans. Humans have needs. Businesses create solutions for those needs. The human departs with their dollar to meet their needs. I like to think that apart from small businesses being inherently brutal to succeed in the first place if more entrepreneurs focused on the needs aspect theyd have a better shot. Before you launch the next Microsoft to meet the needs of no one."
X Link 2026-02-15T23:45Z [---] followers, [---] engagements

""My accountant said to set up a SEP IRA." The number of times I've heard this from a business owner around this time of the year is incredible. Yes a SEP IRA can be a tax-advantaged way to save for retirement. Yes there are probably better ways to do so. Mainly the 401(k). [--] things to understand about the difference: https://twitter.com/i/web/status/2023378088269369447 https://twitter.com/i/web/status/2023378088269369447"
X Link 2026-02-16T12:45Z [---] followers, [----] engagements

"@TxCardBoyz @money_cruncher I dont necessarily know your situation but [--] is the max. Some defined benefit plans like pensions can have their own rules however"
X Link 2026-02-10T03:17Z [---] followers, [--] engagements

"Disclosure: Speak with a CPA advisor professional about your taxes and investments before creating and funding a donor-advised fund. They're not for everyone"
X Link 2026-02-12T12:45Z [---] followers, [--] engagements

"How many of you run a business that's squeaky clean financially but your personal finances look like a college group project Most business owners I speak with do not have the same "personal systems" as they do "professional systems." And that's not a dig that's because they've got better things to do than tracking @monarch_money (s/o to the best budget app they don't even know me). It takes more than attention to a few numbers for a business to scale: - profit margins - balance sheets - profit & loss for last 2-3 yrs - costto obtain new customer - repeat buyers and customers But as the"
X Link 2026-02-12T22:15Z [---] followers, [---] engagements

"As a Certified Financial Planner and Enrolled Agent admitted to practice before the IRS this Valentine's Day I say. Dude just buy it. Look up "asymmetric returns" and you'll thank me later"
X Link 2026-02-14T12:30Z [---] followers, [----] engagements

"@themoviedadsc Finish with the cafeteria and get a big slice and a sundae for like $4. Youll feel better. But not really"
X Link 2026-02-14T23:25Z [---] followers, [--] engagements

"@Seviay31 @RayDalio Honestly I think its a I already made my money so now Im just going to try to get invited onto tv shows and sell books lol"
X Link 2026-02-15T01:31Z [---] followers, [----] engagements

"@TheGeodexes @RayDalio Im not sure I understand. Ray has been both negative and wrong. See Bridgewaters returns to literally any other quality hedge fund and it will tell a story"
X Link 2026-02-15T02:59Z [---] followers, [----] engagements

"@BoujeeFinances Anyone come in and miss safe harbor so far"
X Link 2026-02-16T14:55Z [---] followers, [--] engagements

"The numbers tell a story for sure. But the don't tell the ending. When the Roman Empire fell it wasn't because of one single thing it was because of several. Same with every ancient civilization that's been similar to America. Feels like this is assuming all variables are climaxing at the same time which truly only God knows and for us to claim otherwise would be insane. https://twitter.com/i/web/status/2023426340502778109 https://twitter.com/i/web/status/2023426340502778109"
X Link 2026-02-16T15:56Z [---] followers, [----] engagements

"I've seen this like [--] times lately. Do all of these accounts just copy paste from one another Again business owners take incredible amounts of risk to benefit themselves others and their communities as a whole. Most W2 empoyees take the risk they'll be fired and that's about it. This does not make sense to me"
X Link 2026-02-16T15:59Z [---] followers, 31.4K engagements

"@KurtSupeCPA You were going for don't help your kids I'm going for be uber careful with real estate rentals under $1 M net worth lol"
X Link 2026-02-16T16:03Z [---] followers, [---] engagements

"@shaig As a resident of this area I'd agree but my power bill has some concerns"
X Link 2026-02-16T16:56Z [---] followers, [---] engagements

"@AcdntlyRetired For sure. I think every kid is different but some learn through osmosis more than others"
X Link 2026-02-16T18:03Z [---] followers, [--] engagements

"@BeardyBrandon Love it. You're going to get so many headwinds to this post but those who know will get you man"
X Link 2026-02-06T16:31Z [--] followers, [----] engagements

"@MrNQDC @JonLuskin Maybe. In this case though money is just going to flow wherever the tax avoidance allows however. For example nobody would ever do something like a qualified opportunity zone if it weren't for the tax benefit. The incentive to not pay tax really does shift so much"
X Link 2026-02-06T16:57Z [--] followers, [--] engagements

"Real estate and rental owners take huge advantage of deductions from their physical properties to lower their tax bill but for most that's where the understanding stops. Let me share two visuals that walk you through "depreciation" and why it can be so powerful for the right person:"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements

"Depreciation is all about taking "paper losses" from your rental without feeling the impact the same way you would by selling a stock or bond at a loss. The IRS acknowledges that buildings (not land) get worse over time and therefore allow you to take depreciation on them"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements

"It's not as simple as you get to choose how much you think the property has gone down by. There are fixed schedules and amounts you will be able to reduce on an annual basis dependent on: - Type of property - How much you paid for it - What form of depreciation you're taking"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements

"In this visual I share an example. As you'll notice the land value must be taken out before finding your "depreciable basis" but at times you can add renovations made to the property"
X Link 2026-02-06T18:05Z [--] followers, [--] engagements

"Oh great question. I love the most boring ones because they can be repeated over time: - retirement accounts - health savings accounts But for business owners I like to make sure systems are there: - entity election that aligns with revenue - all expenses are accounted for and are timed right - qualified business income deduction is maximized There are so many great options once revenue is flowing"
X Link 2026-02-07T17:02Z [---] followers, [--] engagements

"Great question. Harvesting capital losses is a solid play in the right scenario but its often just the tip of the iceberg. If you really want to move the needle on the tax hit from a business sale you have to look at heavier hitters like strategic real estate plays gifting techniques and specialized trust structures. I'll continue to post more on these. https://twitter.com/i/web/status/2020310533547638817 https://twitter.com/i/web/status/2020310533547638817"
X Link 2026-02-08T01:35Z [---] followers, [--] engagements

"I thought the same thing. People forget businesses are "for profit" not there to make them happy. They provide us with a good or a service. We want their goods or services so much that we're willing to part with our money for it. Past a certain level we no longer see the value. Their goal is to find where this level is and push it over time through consistency and value. https://twitter.com/i/web/status/2020533312482058396 https://twitter.com/i/web/status/2020533312482058396"
X Link 2026-02-08T16:20Z [---] followers, [--] engagements

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