# ![@FranWalsh73 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::515984611.png) @FranWalsh73 Fran Walsh

Fran Walsh posts on X about money, retirement, debt, investment the most. They currently have [-----] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::515984611/interactions)
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- [--] Month [---------] +2,723%
- [--] Months [---------] +76%
- [--] Year [---------] +80%

### Mentions: [--] [#](/creator/twitter::515984611/posts_active)
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- [--] Month [---] +68%
- [--] Months [---] +3.30%
- [--] Year [---] +132%

### Followers: [-----] [#](/creator/twitter::515984611/followers)
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- [--] Week [-----] +3.20%
- [--] Month [-----] +12%
- [--] Months [-----] +25%
- [--] Year [-----] +124%

### CreatorRank: [-------] [#](/creator/twitter::515984611/influencer_rank)
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### Social Influence

**Social category influence**
[finance](/list/finance)  [technology brands](/list/technology-brands)  [stocks](/list/stocks)  [countries](/list/countries)  [social networks](/list/social-networks)  [cryptocurrencies](/list/cryptocurrencies)  [nfl](/list/nfl)  [celebrities](/list/celebrities)  [travel destinations](/list/travel-destinations)  [musicians](/list/musicians) 

**Social topic influence**
[money](/topic/money), [retirement](/topic/retirement), [debt](/topic/debt), [investment](/topic/investment) #2197, [inflation](/topic/inflation), [insurance](/topic/insurance), [stocks](/topic/stocks) #2118, [longterm](/topic/longterm) #1135, [cash flow](/topic/cash-flow), [if you](/topic/if-you)

**Top accounts mentioned or mentioned by**
[@ryanopulus](/creator/undefined) [@investedinyou](/creator/undefined) [@zachmelloh26](/creator/undefined) [@marketpalmer](/creator/undefined) [@mattgottshall](/creator/undefined) [@nxtgenplanning](/creator/undefined) [@nfldovkleiman](/creator/undefined) [@chrisrahill](/creator/undefined) [@ryanhaiss](/creator/undefined) [@mrnqdc](/creator/undefined) [@deanttraining](/creator/undefined) [@markcecchini](/creator/undefined) [@cliffcornell](/creator/undefined) [@opulusllc](/creator/undefined) [@evanpdrury](/creator/undefined) [@matthewgarasic](/creator/undefined) [@tkopelman](/creator/undefined) [@mlfootball](/creator/undefined) [@patrickbetdavid](/creator/undefined) [@ryanhaisscfp](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Gains (GAINS)](/topic/gains)
### Top Social Posts
Top posts by engagements in the last [--] hours

"This week's newsletter is my favorite one yet - case study on one of our NFL Athletes. No guaranteed signing bonuses No big contracts Yet still a multi-millionaire at age [--] all because he did the right things consistently https://www.masteryourmoney.finance/blog/mym-012 https://www.masteryourmoney.finance/blog/mym-012"  
[X Link](https://x.com/FranWalsh73/status/1699032552579748206)  2023-09-05T12:11Z [----] followers, [---] engagements


"That's it Take action today. It won't be perfect and to be honest it never will be but getting started is what's important. Your future self will thank you. Have a great day everyone"  
[X Link](https://x.com/FranWalsh73/status/1844733140872429986)  2024-10-11T13:33Z [----] followers, [---] engagements


"@NewRetirement Looks awesome Definitely going to check out the software"  
[X Link](https://x.com/FranWalsh73/status/1845097947433742722)  2024-10-12T13:43Z [----] followers, [--] engagements


"2. Establish & Fully Fund a Cash Reserve Account An emergency fund is non-negotiable. - Aim for 3-6 months of essential expenses - Keep it in a high-yield savings account - Use it only for true emergencies Life happens. Be prepared"  
[X Link](https://x.com/FranWalsh73/status/1890024393050353984)  2025-02-13T13:05Z [----] followers, [---] engagements


"8. Balance Building Giving Back & Enjoying Life Money is a tool not the goal. - Build generational wealth through smart investing - Give back to causes that matter to you - Enjoy lifeexperiences are just as valuable as assets Financial success means balance not numbers"  
[X Link](https://x.com/FranWalsh73/status/1890024423488442542)  2025-02-13T13:05Z [----] followers, [---] engagements


"TL;DR The [--] Financial Planning Fundamentals [--]. Set goals build a budget & automate your system [--]. Fully fund an emergency savings account [--]. Use a strategic debt paydown method [--]. Invest at least 20% of your income [--]. Protect yourself with life & disability insurance [--]. Have an estate plan in place [--]. Pay off home early if possible [--]. Build wealth give back enjoy life Master these and your financial future is in great shape. As always this thread is for educational purposes only. Always consult your qualified tax financial or legal advisor before making any decisions for your family. The"  
[X Link](https://x.com/FranWalsh73/status/1890024429993722093)  2025-02-13T13:05Z [----] followers, [---] engagements


"@T_Gatzemeier Yep and taking this one step further - if some of the best active managers in the world who do this all day everyday - still can't outperform. I promise you your uncle Joe who spends [--] mins a night on reddit & robinhood cannot beat the market either"  
[X Link](https://x.com/FranWalsh73/status/1890029070630674549)  2025-02-13T13:23Z [----] followers, [---] engagements


"Most people dont think about financial planning until theyre in the middle of a major life change. By then Its often too late to avoid costly mistakes. Heres how to prepare for marriage parenthood career shifts retirement and morebefore they happen"  
[X Link](https://x.com/FranWalsh73/status/1891481401054106023)  2025-02-17T13:34Z [----] followers, [----] engagements


"6. Losing a Loved One - One of the hardest transitions to prepare forbut also one of the most important. To protect your family: - Have an updated estate plan (Wills trusts POAs) - Ensure beneficiaries are correct (Outdated beneficiaries = nightmare)"  
[X Link](https://x.com/FranWalsh73/status/1891481434516262997)  2025-02-17T13:34Z [----] followers, [--] engagements


"- Have life insurance in place (Term insurance gofundme) - Understand social security survivor benefits Financial planning isnt just about wealthits about protecting those you love"  
[X Link](https://x.com/FranWalsh73/status/1891481438236680678)  2025-02-17T13:34Z [----] followers, [--] engagements


"@zachmelloh26 Great thread. Basic financial literacy needs to become a requirement in school"  
[X Link](https://x.com/FranWalsh73/status/1891563745870053795)  2025-02-17T19:01Z [----] followers, [--] engagements


"That's a wrap Don't try to time markets. There is no perfect time. Just start today & keep going. [--]. Follow me @FranWalsh73 for more of these [--]. RT the tweet below to share this thread with your audience Every investor thinks they can time the market Reality Missing a handful of the markets best days can destroy your returns. A study from JP Morgan showed that missing just the [--] best days over [--] years cut your returns in half. Here's why market timing is a losing game Every investor thinks they can time the market Reality Missing a handful of the markets best days can destroy your returns."  
[X Link](https://x.com/FranWalsh73/status/1891846254021189831)  2025-02-18T13:44Z [----] followers, [---] engagements


"@B_Holmer Pretty sweet data from Coros - havent seen this before. Do you prefer over garmin"  
[X Link](https://x.com/FranWalsh73/status/1891877526097563732)  2025-02-18T15:48Z [----] followers, [---] engagements


"#3: Lifestyle Creep Most people dont have a spending problem. They have an upgrading problem. You get a raise You upgrade your car. You get a bonus You upgrade your house. You make more You spend more. A high income doesnt build wealth. How you use it does"  
[X Link](https://x.com/FranWalsh73/status/1892197612146622758)  2025-02-19T13:00Z [----] followers, [---] engagements


"#4: Not Taking Your Credit Seriously A single missed payment can tank your credit score for years. A bad credit score means: - Higher mortgage rates - Higher insurance premiums - Getting denied for loans Check your score every month set bills to autopay you'll thank yourself"  
[X Link](https://x.com/FranWalsh73/status/1892197618874208581)  2025-02-19T13:00Z [----] followers, [---] engagements


"#7: Not Having a Plan 73% of Americans dont have a written financial plan. (Probably even more than that) Would you drive cross-country without GPS So why approach your finances without direction"  
[X Link](https://x.com/FranWalsh73/status/1892197634489696630)  2025-02-19T13:00Z [----] followers, [---] engagements


"Here is all that is encompassed in basic financial planning: Hint - it's not just investing & being debt free"  
[X Link](https://x.com/FranWalsh73/status/1892197642161049845)  2025-02-19T13:00Z [----] followers, [---] engagements


"TL;DR [--] Financial Mistakes Youll Regret in [--] Years [--]. Delaying investing [--]. Ignoring tax-advantaged accounts [--]. Letting lifestyle creep kill your savings [--]. Ignoring your credit score [--]. Not having an emergency fund [--]. Overpaying for financial products [--]. Not having a plan As always this thread is for educational purposes only. The contents expressed are my thoughts alone and you should always consult your qualified tax legal or financial rep before making decisions for your family"  
[X Link](https://x.com/FranWalsh73/status/1892197645373878372)  2025-02-19T13:00Z [----] followers, [---] engagements


"What to do instead: - If you can do 20% great - it avoids PMI. - But 5-10% down (or even 3% for first-time buyers) can still make homeownership possible. - Just dont buy too much house & make sure ALL costs align with your CASH FLOW (50-20-30)"  
[X Link](https://x.com/FranWalsh73/status/1892560808598467054)  2025-02-20T13:03Z [----] followers, [---] engagements


"Outdated Rule #2: All Debt Is Bad Debt isnt the problembad debt management is. Not all debt is created equal: ✅ Good debt: Mortgages student loans (for high ROI careers) low-interest business loans. ❌ Bad debt: Credit cards payday loans high-interest car loans"  
[X Link](https://x.com/FranWalsh73/status/1892560811308011831)  2025-02-20T13:03Z [----] followers, [---] engagements


"Everyone says theyre comfortable with risk until the market drops 30% in six months. If youve only been investing for the past decade your risk tolerance may not be what you think it is. Heres how to truly understand your ability to handle risk"  
[X Link](https://x.com/FranWalsh73/status/1894371988702957836)  2025-02-25T13:00Z [----] followers, 10.6K engagements


"Your risk tolerance is your ability to emotionally and financially handle market volatility - Emotional tolerance How well you handle market drops - Financial tolerance Your ability to recover from losses. Your real risk tolerance is only revealed during a downturn"  
[X Link](https://x.com/FranWalsh73/status/1894371992398135327)  2025-02-25T13:00Z [----] followers, [---] engagements


"What would a Real Simple Plan Look Like [--]. Low cost term insurance instead of overpriced permanent policies [--]. Investing First (taking advantage of different tax-diversified accounts) [--]. No unnecessary complexity - finance should be simple [--]. A deep dive into YOUR goals and a clear roadmap to get there"  
[X Link](https://x.com/FranWalsh73/status/1894734356884656606)  2025-02-26T13:00Z [----] followers, [----] engagements


"@Jeff66982155 These were not annuities. Just life policies. Annuities can make sense for some pre-retirees depending on their specific goals and the riders of the annuity however theyre also a red flag for young individuals"  
[X Link](https://x.com/FranWalsh73/status/1894824635335577859)  2025-02-26T18:59Z [----] followers, [---] engagements


"You could not come up with a worse place if you tried for emergency funds than an account with both market risk & high fees. Just an insane thing to have someone do"  
[X Link](https://x.com/FranWalsh73/status/1907766498631766083)  2025-04-03T12:05Z [----] followers, [----] engagements


"Next: [--] Separate Brokerage Accounts Different account names. Different timelines. Different goals. But heres the kicker: All [--] invested in the EXACT same A-share mutual fund. No strategy. No diversification. Just pure account clutter with no purpose"  
[X Link](https://x.com/FranWalsh73/status/1907766501458755991)  2025-04-03T12:05Z [----] followers, [----] engagements


"That's a wrap The best retirement plans aren't built for perfect conditions they're build for tough ones [--]. Follow me @FranWalsh73 for more of these [--]. RT the tweet below to share this thread with your audience Disclaimer; This thread is for educational purposes only. The contents expressed are my thoughts alone. You should always consult a qualified tax legal or financial advisor before making decisions for your family. You could do everything right. Save $2M. Retire on time. Earn average returns for [--] years And still run out of money. The reason Sequence of return risk. Heres what it is -"  
[X Link](https://x.com/FranWalsh73/status/1921181110848860472)  2025-05-10T12:30Z [----] followers, [----] engagements


"Step 2: Build the first $100K as fast as possible. This is your financial flywheel. $100K invested early can turn into $1M+ without adding another dime - if you give it 40+ years. No crypto no options no chasing. Just boring consistent compounding"  
[X Link](https://x.com/FranWalsh73/status/1941829593993777554)  2025-07-06T12:00Z [----] followers, [---] engagements


"Step 3: Keep housing and lifestyle in check. Making six figures doesnt mean spending $12K/month. Rent or house-hack smartly keep fixed expenses under control and avoid anchoring identity to lifestyle. Flexibility beats flash"  
[X Link](https://x.com/FranWalsh73/status/1941829596627735031)  2025-07-06T12:00Z [----] followers, [---] engagements


"A 401(k) gets you started. But real retirement planning includes: Tax diversification Inflation hedging Social Security strategy Longevity protection You dont need more accounts. You need a smarter plan"  
[X Link](https://x.com/FranWalsh73/status/1946207202282205515)  2025-07-18T13:55Z [----] followers, [----] engagements


"This is built for people who: - Income is unpredictable - Bonuses come late in the year - RSUs or business income is hard to time Safe harbor gives you predictability in an unpredictable world"  
[X Link](https://x.com/FranWalsh73/status/1956325884110987679)  2025-08-15T12:03Z [----] followers, [---] engagements


"Many CPAs focus primarily on filing so be sure to confirm theyre helping you plan ahead If your income includes RSUs bonuses K-1s or lumpy cash flow make sure theyve set your safe harbor strategy up"  
[X Link](https://x.com/FranWalsh73/status/1956325886501769369)  2025-08-15T12:03Z [----] followers, [---] engagements


"Most of the baller lifestyles you see online They dont match the numbers. Heres the real breakdown of U.S. income - and why comparison is the fastest way to feel broke:"  
[X Link](https://x.com/FranWalsh73/status/1963935275991585017)  2025-09-05T12:00Z [----] followers, [----] engagements


"Becoming a millionaire used to mean you made it. In [----] $1000000 meant freedom. In [----] it barely means comfortable. If your retirement plan still uses $1M as the number - you may be [--] years behind. Heres what changed"  
[X Link](https://x.com/FranWalsh73/status/1975531659354079487)  2025-10-07T12:00Z [----] followers, 11.8K engagements


"The goal isnt to be busy - its to be free. Freedom comes from alignment not exhaustion. You dont need more hours. You need clearer priorities. Clarity beats hustle every time"  
[X Link](https://x.com/FranWalsh73/status/1977010896812568801)  2025-10-11T13:58Z [----] followers, [----] engagements


"Only 31% of Americans have a written financial plan. That means [--] out of [--] people are winging their financial future with no roadmap. Its no wonder stress levels are sky-high. Heres how to fix that - [--] core steps to build a rock-solid financial plan that actually works"  
[X Link](https://x.com/FranWalsh73/status/1978068367492739223)  2025-10-14T12:00Z [----] followers, [----] engagements


"First off - this number comes from a [----] Charles Schwab survey. My guess is the number with a REAL plan (by a financial planner's terms) is less than 10%. Anyways - let's change that"  
[X Link](https://x.com/FranWalsh73/status/1978068377605185982)  2025-10-14T12:00Z [----] followers, [---] engagements


"4. Invest at Least 20% of Your After-Tax Income If youre serious about financial freedom investing isnt optional. - Consider tax-advantaged accounts (401k Roth IRA HSA) - Use low-cost index funds & automate contributions - Let time and compounding do the heavy lifting"  
[X Link](https://x.com/FranWalsh73/status/1978068415404204166)  2025-10-14T12:00Z [----] followers, [---] engagements


"5. Protection Planning Nobody plans for disaster - but you can prepare. Term life insurance to protect your family Long-term disability to protect your income Dont assume your employers plan is enough If others rely on your paycheck Best to be insured"  
[X Link](https://x.com/FranWalsh73/status/1978068419359445281)  2025-10-14T12:00Z [----] followers, [---] engagements


"8. Build Wealth While Living a Great Life This is what its all for: Invest for your future Give to causes that matter Spend intentionally on what brings you joy Money is just a tool. The real goal Freedom fulfillment and impact"  
[X Link](https://x.com/FranWalsh73/status/1978068429157326931)  2025-10-14T12:00Z [----] followers, [---] engagements


"TL;DR The [--] Financial Planning Fundamentals - Set goals budget wisely & automate - Build an emergency fund (36 months) - Tackle bad debt with a clear strategy - Invest 20%+ of your after-tax income - Basic Insurance Planning - Basic Estate Planning - Pay off your home early - Build wealth give back enjoy the ride"  
[X Link](https://x.com/FranWalsh73/status/1978068431778767218)  2025-10-14T12:00Z [----] followers, [---] engagements


"@MrNQDC @ryanOpulus 100% Ive even seen financial planners who use another financial planner for their personal stuff"  
[X Link](https://x.com/FranWalsh73/status/1978069656154902856)  2025-10-14T12:05Z [----] followers, [--] engagements


"Every few months someone goes viral claiming something just like this: The 401(k) match isnt free - you have to sacrifice capital to get it. Clever soundbite. Terrible math. Lets dive in to the "math" he claims nobody will debate. If your employer matches 100% of the first 5% of your salary and you contribute $5000 your employer gives you another $5000. Youve instantly doubled your money. Thats not a sacrifice. Thats a guaranteed 100% return before a single investment dollar grows. Saying its not free because you had to contribute is like saying: My boss only paid me because I showed up to"  
[X Link](https://x.com/FranWalsh73/status/1978094541564436730)  2025-10-14T13:44Z [----] followers, [----] engagements


"10 years ago stock options were king. Today 72% of companies use RSUs as part of long-term incentive plans. Theyve taken over - but most people still dont understand how to use them strategically. Heres the RSU playbook every high earner needs"  
[X Link](https://x.com/FranWalsh73/status/1979155531588616556)  2025-10-17T12:00Z [----] followers, [----] engagements


"Your vesting schedule determines when shares become yours. Common types: - 4-year graded 25% per year - 3-year cliff 0% until year [--] then 100% - Performance-based tied to company goals Know your vesting calendar - it drives both tax timing and cash flow"  
[X Link](https://x.com/FranWalsh73/status/1979155538194694553)  2025-10-17T12:00Z [----] followers, [---] engagements


"RSUs are taxed when they vest not when theyre granted. At vesting taxed as ordinary income based on the fair market value. At sale any price change = capital gain or loss. You owe taxes even if the stock drops tomorrow"  
[X Link](https://x.com/FranWalsh73/status/1979155542166630623)  2025-10-17T12:00Z [----] followers, [---] engagements


"Most people think diversified means holding more funds. True diversification is also across tax buckets: Taxable Tax-deferred Tax-free The wealthy dont just diversify portfolios. They diversify how money is taxed"  
[X Link](https://x.com/FranWalsh73/status/1979538182879248634)  2025-10-18T13:20Z [----] followers, [----] engagements


"Ive reviewed hundreds of 401(k)s. 59% of participants never change their investment elections. Thats not long-term discipline. Its neglect. Heres how to review your allocation risk and fees - and manage your 401(k) like an investor not an afterthought"  
[X Link](https://x.com/FranWalsh73/status/1980975389305438524)  2025-10-22T12:31Z [----] followers, [----] engagements


"1. Start with allocation - not fund picking. Before worrying about which fund decide how much risk you can actually take. Asset allocation (your stock vs bond mix) drives 90% of your long-term returns and volatility. This will evolve over time with age & time horizon"  
[X Link](https://x.com/FranWalsh73/status/1980975394057556228)  2025-10-22T12:31Z [----] followers, [---] engagements


"Review each funds fact sheet. If you cant explain in one sentence what it owns or why you own it - simplify"  
[X Link](https://x.com/FranWalsh73/status/1980975400810402108)  2025-10-22T12:31Z [----] followers, [---] engagements


"3. Check the fees (they compound too). A 1% annual expense ratio doesnt sound like much until you do the math: - $500000 1% = $5000 per year - Over [--] years thats $200K+ This is where low-cost institutional index funds can make a major impact"  
[X Link](https://x.com/FranWalsh73/status/1980975403561894038)  2025-10-22T12:31Z [----] followers, [---] engagements


"5. Dont ignore the match. Your employer match is PART OF YOUR COMP PLAN Example: 100% match on the first 5% you contribute = 100% return instantly"  
[X Link](https://x.com/FranWalsh73/status/1980975411874951523)  2025-10-22T12:31Z [----] followers, [---] engagements


"6. Understand your tax options. Most plans now offer both: - Traditional 401(k): pre-tax contributions taxed later - Roth 401(k): after-tax contributions tax-free growth Younger higher-growth investors often benefit from Roth. High earners closer to retirement may benefit more from Traditional"  
[X Link](https://x.com/FranWalsh73/status/1980975414752276669)  2025-10-22T12:31Z [----] followers, [---] engagements


"8. Review annually. Life changes - your investments should too. Each year: - Check your allocation - Review fees & overlap - Confirm contributions & match - Adjust as goals evolve Small tweaks prevent big mistakes"  
[X Link](https://x.com/FranWalsh73/status/1980975424394916337)  2025-10-22T12:32Z [----] followers, [---] engagements


"TL;DR - A 401(k) isnt a set it and forget it box to check. Its a tax-advantaged account not a strategy. You need: - Allocation - Diversification - Rebalancing - Low fees - Tax coordination - Treat it like a portfolio not paperwork"  
[X Link](https://x.com/FranWalsh73/status/1980975427364491400)  2025-10-22T12:32Z [----] followers, [---] engagements


"@MrNQDC For sure actually dealing with a few of those right now that were done incorrectly and its been a nightmare to fix"  
[X Link](https://x.com/FranWalsh73/status/1980978705632829633)  2025-10-22T12:45Z [----] followers, [--] engagements


"The simplest wealth formula most overlook: - Earn more. - Shelter what you can (401k HSA Roth). - Invest the rest in a taxable brokerage. - Automate it all. Tax-efficient wealth isnt built by accident - its engineered"  
[X Link](https://x.com/FranWalsh73/status/1980996656104378388)  2025-10-22T13:56Z [----] followers, [----] engagements


"Translation: If you bailed out in [----] March [----] or [----] You probably missed the recovery that created most of the decades gains. Markets punish emotion - but reward patience relentlessly"  
[X Link](https://x.com/FranWalsh73/status/1981336041127629040)  2025-10-23T12:24Z [----] followers, [--] engagements


"And this isnt just an investing problem. Its a financial planning problem too. - You cant say budgeting doesnt work after trying it for two weeks. - Or the plan failed because your cash flow changed for a month. - Or saving doesnt move the needle after [--] days"  
[X Link](https://x.com/FranWalsh73/status/1981336043669303387)  2025-10-23T12:24Z [----] followers, [--] engagements


"The same mindset that hurts investors hurts planners: - Chasing the new thing instead of refining the right one. - Mistaking discomfort for failure. - Expecting linear progress in a non-linear process. Wealth isnt built by intensity - its built by endurance"  
[X Link](https://x.com/FranWalsh73/status/1981336048572522755)  2025-10-23T12:25Z [----] followers, [--] engagements


"3 rules to avoid abandoning the plan: [--]. Automate what emotion sabotages (investing savings debt paydown). [--]. Focus on decades not days. [--]. Treat boring consistency as a competitive advantage"  
[X Link](https://x.com/FranWalsh73/status/1981336051152032116)  2025-10-23T12:25Z [----] followers, [--] engagements


"@MarketPalmer_ Tend to agree with this take however - my follow up question would be - do most believers even care My view is most view it as an "investment" and couldnt care less if mass adoption never occurs & actual utility never actualizes"  
[X Link](https://x.com/FranWalsh73/status/1981342003364291050)  2025-10-23T12:48Z [----] followers, [----] engagements


"Dont leave free money on the table: If your employer matches 5% your first 5% contribution returns 100% - instantly. No investment beats that ROI. Contribute to the match before you chase anything fancier"  
[X Link](https://x.com/FranWalsh73/status/1981359049980457341)  2025-10-23T13:56Z [----] followers, [----] engagements


"If you need a bull market to feel confident in your plan you dont have a plan - you have exposure. A real plan accounts for drawdowns tax drag and rebalancing through pain. The best investors dont just survive volatility - they harvest it"  
[X Link](https://x.com/FranWalsh73/status/1982445947473793316)  2025-10-26T13:55Z [----] followers, [----] engagements


"@ryanOpulus Brace Yourselves for the incoming Bitcoin Warriors 😂 Great thread as always - fantastic way to approach this"  
[X Link](https://x.com/FranWalsh73/status/1983509780841832800)  2025-10-29T12:22Z [----] followers, [---] engagements


"Most people think the key to wealth is picking the right stocks or investments. Its not even close. The average investor underperforms the market by 6.3% per year because they worry about the wrong skills. Here are [--] money skills that matter far more than stock picking"  
[X Link](https://x.com/FranWalsh73/status/1983873557986763216)  2025-10-30T12:28Z [----] followers, [----] engagements


"1. Cash Flow Management You cant invest what you dont save. Cash flow is the foundation that fuels every other part of your plan. Smart investors know exactly where their dollars go - and automate savings before lifestyle spending"  
[X Link](https://x.com/FranWalsh73/status/1983873561191129203)  2025-10-30T12:28Z [----] followers, [---] engagements


"3. Risk Management - You dont get rich taking big risks. - You get rich taking calculated ones. Liquidity insurance and allocation discipline keep compounding alive when life throws punches - volatility layoffs or health events"  
[X Link](https://x.com/FranWalsh73/status/1983873573404999962)  2025-10-30T12:28Z [----] followers, [---] engagements


"4. Asset Allocation Picking the right stock matters less than picking the right mix. Asset allocation explains 90%+ of long-term return variance. Yet most investors spend 90% of their time debating stocks instead"  
[X Link](https://x.com/FranWalsh73/status/1983873576320070097)  2025-10-30T12:28Z [----] followers, [---] engagements


"You make [-----] decisions a day. Your brain's exhausted - and your wallet pays the price. When saving requires effort 401(k) participation is 47%. When its automatic 93%. The silent killer of wealth isnt bad advice. Its friction"  
[X Link](https://x.com/FranWalsh73/status/1984231184952365455)  2025-10-31T12:09Z [----] followers, [----] engagements


"Obviously everyone has the right to do whatever they want with what theyve earned - but Ill never understand this line of thinking. For all of human history every mans ambition - to work harder build more create stability was rooted in one purpose: to provide a better life for his family and his future family than he had himself. That instinct has built civilization drove innovation and gave meaning to sacrifice. Personally my entire mindset around building my business and helping others themselves succeed is centered on that same belief - that my future children and their children will have"  
[X Link](https://x.com/FranWalsh73/status/1984244943829746027)  2025-10-31T13:03Z [----] followers, [----] engagements


"@chris_rahill On this point with the ultra wealthy you generally see [--] routes with kids: [--]. Kids who sit back relax and do nothing. [--]. Kids who are driven to surpass and do even better than their parents Think its solely about how your parents raise you"  
[X Link](https://x.com/FranWalsh73/status/1984254607904899272)  2025-10-31T13:42Z [----] followers, [--] engagements


"Appreciate your thoughts James certainly agree in some aspects here. My general worldview is that parenting and raising your kids the right way will result in great people and giving them a boost in life will simply enhance what they're already doing. If they've been taught to be lazy it will compound that as well. There are also ways to delay money being released to kids and I guess my final issue with Simon's commentary is even if you're going to give it all away the impact you could make on thousands of families would be way more beneficial in my view than giving to a charity of which a"  
[X Link](https://x.com/FranWalsh73/status/1984292078969323827)  2025-10-31T16:11Z [----] followers, [--] engagements


"@NxtGenPlanning 100% - my point is it's essentially a parenting issue. If you raise your kids the right way they won't become the entitled hollywood bunch people think of. I've seen it firsthand through tons of high net worth families as I'm sure you have"  
[X Link](https://x.com/FranWalsh73/status/1984292473624236294)  2025-10-31T16:12Z [----] followers, [--] engagements


"Not an expert in many things But I can pack a fridge/cooler with the best of the best 🤝"  
[X Link](https://x.com/FranWalsh73/status/1984653987627622747)  2025-11-01T16:09Z [----] followers, 14.8K engagements


"Multiple streams of income sounds great - until you realize most people are just diversifying their distractions. Focus scales. Dabbling doesnt. Master one thing so well it funds everything else"  
[X Link](https://x.com/FranWalsh73/status/1985333207667978335)  2025-11-03T13:08Z [----] followers, [----] engagements


"This is exactly why real financial planning is taking off. Its more important than ever. Index Universal Life (IUL) products are one of the most predatory strategies being sold to unsuspecting families today (and has been happening for decades) - disguised as retirement plans or tax-free wealth hacks. Theyre not. Theyre insurance policies dressed up as investments. Most are sold by commission-based salesmen not fiduciary advisors. The market upside no downside pitch is marketing BS - your returns are capped fees are hidden and projections are wildly unrealistic. The agent gets paid upfront."  
[X Link](https://x.com/FranWalsh73/status/1985360334354288989)  2025-11-03T14:56Z [----] followers, 112.3K engagements


"We live in a culture obsessed with optimization. Every minute tracked. Every dollar maximized. Every system automated. But heres the paradox: The pursuit of efficiency often destroys the very wealth its meant to create"  
[X Link](https://x.com/FranWalsh73/status/1985704694245662798)  2025-11-04T13:44Z [----] followers, [----] engagements


"Studies show perfectionists experience 33% higher burnout rates than their peers. The same thing happens financially. People delay joy delay freedom delay life - all in the name of optimization"  
[X Link](https://x.com/FranWalsh73/status/1985704700910469251)  2025-11-04T13:44Z [----] followers, [--] engagements


"Take the investor who spends months hunting for the lowest-fee index fund. They save 0.3% in fees. but miss 15% of potential returns by sitting in cash during the research phase. Efficiency became fragility"  
[X Link](https://x.com/FranWalsh73/status/1985704704291017057)  2025-11-04T13:44Z [----] followers, [--] engagements


"Efficiency makes you faster. Margin makes you stronger. The most resilient plans are slightly inefficient on purpose: - Extra cash reserves - Time buffers - Backup plans - Unstructured days That waste is actually insurance against chaos"  
[X Link](https://x.com/FranWalsh73/status/1985704718941745228)  2025-11-04T13:44Z [----] followers, [--] engagements


"You dont win by perfectly optimizing every variable. You win by designing a system that survives the imperfect ones"  
[X Link](https://x.com/FranWalsh73/status/1985704721839964498)  2025-11-04T13:44Z [----] followers, [--] engagements


"The most dangerous phrase in personal finance: Ill start saving when I make more. If you cant manage $5K/month youll never manage $15K/month. Discipline doesnt scale with income - it scales with habits. Build the system before the surplus"  
[X Link](https://x.com/FranWalsh73/status/1986420427539759586)  2025-11-06T13:08Z [----] followers, [----] engagements


"@academic_degn For sure definitely a fair point. I'd argue that spending money to develop a skill to make more money is just another form of investing"  
[X Link](https://x.com/FranWalsh73/status/1986429249423659409)  2025-11-06T13:43Z [----] followers, [--] engagements


"79% of Americans with a 401(k) say they contribute enough to get the match. But heres the problem: most dont actually understand how the match works - or how to use it as a tax optimization tool not just a free money bonus. Lets fix that"  
[X Link](https://x.com/FranWalsh73/status/1986780771747561961)  2025-11-07T13:00Z [----] followers, 11.9K engagements


"If your employer offers a 100% match up to 4% and you earn $100000: - You contribute $4000 - They contribute $4000 - Youve doubled your investment immediately. Thats the obvious part. But the real optimization starts when you understand how those dollars are taxed"  
[X Link](https://x.com/FranWalsh73/status/1986780774226333872)  2025-11-07T13:00Z [----] followers, [----] engagements


"Even if you choose Roth 401(k) contributions your employer match is always pre-tax. That means: - Your contributions (Roth) grow tax-free - Employer contributions (Traditional) grow tax-deferred Translation: Youll owe tax later on your employers match portion"  
[X Link](https://x.com/FranWalsh73/status/1986780781272822259)  2025-11-07T13:00Z [----] followers, [---] engagements


"Calling it free money misses context. Your match is part of your total compensation - and understanding its tax breakdown is key to long-term planning. Its not a gift. Its deferred income that comes with specific tax strings attached"  
[X Link](https://x.com/FranWalsh73/status/1986780796930130051)  2025-11-07T13:00Z [----] followers, [---] engagements


"Many employers have a true-up rule - meaning if you max out early in the year theyll still give you the full match at year-end. But not all do. If your plan doesnt have a true-up and you front-load contributions you could miss out on thousands in matching dollars"  
[X Link](https://x.com/FranWalsh73/status/1986780800721826174)  2025-11-07T13:00Z [----] followers, [---] engagements


"Heres how to use your match as a tax lever instead of a static benefit: [--]. Know your marginal bracket. If youre in a high bracket now but expect lower income in retirement Traditional 401(k) could be the way to go. If the opposite Roth 401(k) could make more sense"  
[X Link](https://x.com/FranWalsh73/status/1986780803737481700)  2025-11-07T13:00Z [----] followers, [---] engagements


"Lets take two coworkers earning $120000 with a 4% match: Person A contributes evenly across [--] months. Person B maxes early and misses [--] months of match due to no true-up. Lost match = $800 this year. Over [--] years at 7% growth = $76000 lost wealth"  
[X Link](https://x.com/FranWalsh73/status/1986780808661594185)  2025-11-07T13:00Z [----] followers, [---] engagements


"Your employer match is powerful - but its not just free money. Its: - A tax lever - A behavioral incentive - A compounding accelerator Understand how its taxed when its credited and how to align it with your bracket"  
[X Link](https://x.com/FranWalsh73/status/1986780810922295523)  2025-11-07T13:00Z [----] followers, [---] engagements


"TL;DR: Your 401(k) match isnt a gift. Its a tax tool. - Learn the rules - Adjust your strategy - And dont leave money (or tax savings) on the table"  
[X Link](https://x.com/FranWalsh73/status/1986780813308928035)  2025-11-07T13:00Z [----] followers, [---] engagements


"Theres a reason so many high earners feel broke. They optimized for income not freedom. Every raise became a bigger house nicer car and well-deserved upgrade. You cant out-earn poor decision-making - you can only out-discipline it"  
[X Link](https://x.com/FranWalsh73/status/1987163605729456610)  2025-11-08T14:21Z [----] followers, [----] engagements


"People spend 40+ hours a week earning money and [--] hours managing it. Thats like running a business and never checking the books. You dont need to become an expert - just become aware"  
[X Link](https://x.com/FranWalsh73/status/1987504806299066598)  2025-11-09T12:57Z [----] followers, [----] engagements


"@nathanielsford Spot on. I'm interested in seeing how the higher level education system looks in [--] years. Cant imagine people will continue to accept six figures+ of debt for career paths that don't put them in a substantially better financial position"  
[X Link](https://x.com/FranWalsh73/status/1987509274692518036)  2025-11-09T13:15Z [----] followers, [--] engagements


"@brian_drago_ Saucony endorphin speed for daily trainer have been through a few pairs and absolutely love them. They have a decent amount of cushion which I like as a heavier guy but definitely less than the novablast"  
[X Link](https://x.com/FranWalsh73/status/1987531902484410639)  2025-11-09T14:45Z [----] followers, [----] engagements


"Testing new shorts from @WolaCo on the off day with some speed work [--] miles 5:47 pace ✅ Have a great Sunday everyone"  
[X Link](https://x.com/FranWalsh73/status/1987539936342642720)  2025-11-09T15:17Z [----] followers, [---] engagements


"Most people think wealth is built by investing. It is but that's not the full story. Wealth is built by creating a repeatable surplus - that automatically turns income into assets month after month. Heres how to build the cash flow flywheel that makes wealth inevitable"  
[X Link](https://x.com/FranWalsh73/status/1987867933263990930)  2025-11-10T13:00Z [----] followers, 16.7K engagements


"Reminder: The market doesnt care how smart you are. It rewards patience humility and the ability to sit still while others panic. Your biggest edge isnt knowledge - its emotional control"  
[X Link](https://x.com/FranWalsh73/status/1987898849193611459)  2025-11-10T15:03Z [----] followers, [----] engagements


"The true test of your financial plan isnt when the markets up 20%. Its when its down 30% and you still sleep well. If volatility breaks your peace your allocation is too risky or your goals arent aligned"  
[X Link](https://x.com/FranWalsh73/status/1988234982041469420)  2025-11-11T13:18Z [----] followers, [----] engagements


"@MrNQDC Absolutely - always good to revisit because the reality is life evolves & our views do as well"  
[X Link](https://x.com/FranWalsh73/status/1988237023983849819)  2025-11-11T13:27Z [----] followers, [--] engagements


"Stop comparing your chapter [--] to someone elses highlight reel. Some of the millionaires you see online are broke behind the scenes - leveraged to the bone drowning in payments and terrified of slowing down. Real wealth isnt built on leverage its built on peace of mind"  
[X Link](https://x.com/FranWalsh73/status/1988593230791758081)  2025-11-12T13:02Z [----] followers, [----] engagements


"@MrNQDC @ryanOpulus "Wealth is built with concentration and kept with diversification""  
[X Link](https://x.com/FranWalsh73/status/1988602259102728509)  2025-11-12T13:38Z [----] followers, [--] engagements


"Most six-figure earners dont have a budgeting problem - they have a systems problem. Wealthy people dont track every dollar. They build money systems that run on autopilot. Here are the [--] systems every high earner needs"  
[X Link](https://x.com/FranWalsh73/status/1988958349036052508)  2025-11-13T13:13Z [----] followers, [----] engagements


"You dont build wealth by timing markets. You build wealth by making investing unavoidable"  
[X Link](https://x.com/FranWalsh73/status/1988958359853183062)  2025-11-13T13:13Z [----] followers, [---] engagements


"3. The Tax System: High earners lose more money to taxes than bad stock picks. A tax system reduces drag automatically. It includes: - Traditional vs Roth planning - HSA (triple tax advantage) - Tax-Loss Harvesting - ESPP + 83(b) - Asset location"  
[X Link](https://x.com/FranWalsh73/status/1988958362470383829)  2025-11-13T13:13Z [----] followers, [---] engagements


"Inflation isnt your biggest financial threat. Your biggest threat is that the IRS keeps raising retirement savings limits and most people arent taking advantage. Here are the new [----] 401(k) limits you need to know"  
[X Link](https://x.com/FranWalsh73/status/1989310468033237188)  2025-11-14T12:32Z [----] followers, [----] engagements


"If youre a high earner and not automating contributions youre leaving tax savings on the table every single year"  
[X Link](https://x.com/FranWalsh73/status/1989310475750736088)  2025-11-14T12:32Z [----] followers, [---] engagements


"Catch-up contributions are getting a boost Beginning in 2026: - Age 50+: $8000 catch-up (up from $7500) - Age 6063: $11250 catch-up (unchanged Secure [---] rule) - Both amounts stack on top of the $24500. Meaning if youre [----] your limit becomes: $35750 total This is one of the most underutilized tax-advantages windows"  
[X Link](https://x.com/FranWalsh73/status/1989310478024155142)  2025-11-14T12:32Z [----] followers, [---] engagements


"For anyone doing backdoor Roths Roth conversions or spousal IRAs - these increases give you even more room. But again none of it matters if you dont use the space"  
[X Link](https://x.com/FranWalsh73/status/1989310482839203998)  2025-11-14T12:32Z [----] followers, [---] engagements


"Most people still arent saving enough Vanguards [----] How America Saves report: - Only 14% of Americans maxed their 401(k) in [----] - Average savings rate (employee + employer): 12% Fidelitys [----] report shows the same: average combined rate is about 14.2%"  
[X Link](https://x.com/FranWalsh73/status/1989310486089724336)  2025-11-14T12:32Z [----] followers, [---] engagements


"The #1 reason people never build wealth Theyre always resetting their progress. New job. New house. New car. They mistake movement for momentum. You dont need more motion - you need direction"  
[X Link](https://x.com/FranWalsh73/status/1990071680014635305)  2025-11-16T14:57Z [----] followers, [----] engagements


"Every Tuesday our subscribers get [--] proven strategy to cut their tax bill boost their income and build lasting wealthso they can live life on their terms. Always a 4-minute read. Join free here: https://www.opulusmethod.com/ https://www.opulusmethod.com/"  
[X Link](https://x.com/FranWalsh73/status/1990208507111477628)  2025-11-17T00:00Z [----] followers, [---] engagements


"I dont know where my money goes every month. Thats not a financial problem - thats a feedback problem. You cant fix what you dont measure. Every dollar untracked is a silent leak stealing your freedom"  
[X Link](https://x.com/FranWalsh73/status/1990407997164564611)  2025-11-17T13:13Z [----] followers, [----] engagements


"6. Playing it too safe with investments Many high earners are sitting in cash because they dont want risk. But risk isnt just market volatility - risk is not growing fast enough to hit future goals. A portfolio earning 23% may not support a 30+ year retirement"  
[X Link](https://x.com/FranWalsh73/status/1990784170625257945)  2025-11-18T14:08Z [----] followers, [---] engagements


"7. Failing to automate money systems High earners are too busy to micromanage money. Without systems they: - Overspend - Under-save - Miss investing windows - Fall behind on taxes - Operate in chaos Systems build wealth. Willpower doesnt"  
[X Link](https://x.com/FranWalsh73/status/1990784172848300168)  2025-11-18T14:08Z [----] followers, [---] engagements


"9. Not preparing for life updates Marriage. Kids. A move. A home. Private school. Aging parents. These arent surprises - but they hit like financial earthquakes when you dont plan ahead. Run scenarios before you make big decisions"  
[X Link](https://x.com/FranWalsh73/status/1990784177285861743)  2025-11-18T14:08Z [----] followers, [---] engagements


"TL;DR; High earners dont fail from bad investments - they fail from: - Lifestyle creep - No tax strategy - Too much employer stock - Disorganization - Under-investing - No automation - Career stagnation - Poor planning for major life events"  
[X Link](https://x.com/FranWalsh73/status/1990784179512963526)  2025-11-18T14:08Z [----] followers, [---] engagements


"The most underrated financial skill Knowing when to say no. - No to lifestyle creep. - No to pointless comparison. - No to major purchases that dont move the needle. - No to trying to impress people who arent paying your bills. - No to investments you dont understand. - No to the pressure of keeping up with people who arent even happy. Your no is what protects your future yes. Every wealthy person Ive ever worked with has this in common: Theyre ruthless about what they allow into their financial life. - They dont chase every opportunity. - They dont absorb every trend. - They dont let people"  
[X Link](https://x.com/FranWalsh73/status/1991129403993035003)  2025-11-19T13:00Z [----] followers, [----] engagements


"Most people think a windfall makes life easier. But 70% of inherited wealth is gone by gen [--] and 90% by gen [--]. Not because the math is bad - but because no plan + old habits = wealth evaporation. Here are the [--] traps (and safeguards)"  
[X Link](https://x.com/FranWalsh73/status/1991854178759536786)  2025-11-21T13:00Z [----] followers, 17.2K engagements


"2. Tax Blindness People inherit property brokerage assets or employer stock then sell immediately. Ignoring step-up basis can equal a big tax bill. Understand tax implications before touching anything. Defer. then decide"  
[X Link](https://x.com/FranWalsh73/status/1991854188280639784)  2025-11-21T13:00Z [----] followers, [----] engagements


"3. Lifestyle Inflation A windfall makes you feel richer. So rent goes up restaurants upgrade vacations scale. The inheritance isnt the issue - your new baseline is"  
[X Link](https://x.com/FranWalsh73/status/1991854190667108860)  2025-11-21T13:00Z [----] followers, [---] engagements


"Try to live on your pre-inheritance budget for [--] months. Invest the rest Let your money increase your margin not your baseline"  
[X Link](https://x.com/FranWalsh73/status/1991854193263411653)  2025-11-21T13:00Z [----] followers, [---] engagements


"4. Family Issues Grief + money = landmines. Siblings fight over fair and tiny differences create long-term resentment. Have the giver document intent while alive. And if conflict pops up bring in a neutral third party immediately"  
[X Link](https://x.com/FranWalsh73/status/1991854197612892416)  2025-11-21T13:00Z [----] followers, [---] engagements


"Most people arent just overwhelmed - theyre misaligned. They confuse being busy with making progress. - Working late feels productive. - Answering emails feels important. - Being stressed feels like effort. - A full calendar feels like status. But heres the uncomfortable truth: A lot of people are drowning in commitments that dont move them any closer to the life they actually want. "Busyness" is the easiest trap to fall into because it gives you the illusion of meaning. What matters is direction. Are you building a career that compounds Are you strengthening relationships or letting them"  
[X Link](https://x.com/FranWalsh73/status/1992578943988236321)  2025-11-23T13:00Z [----] followers, [----] engagements


"The fellas got it done Philadelphia Marathon ✅ 2:57:07 - what a morning proud of this one"  
[X Link](https://x.com/FranWalsh73/status/1992642828942315749)  2025-11-23T17:14Z [----] followers, [----] engagements


"Ten years ago I couldnt run a mile. This past Sunday I ran a 2:57 marathon. I was a 272-pound college football player who treated conditioning days like punishment. My identity was built on size strength and being one of - if not the - hardest workers in the room. Not endurance. Not longevity. Definitely not running. Two completely different versions of me separated by a decade - but connected by one simple truth: You can rebuild your life as many times as youre willing to start. I talk a lot here about compounding in money & personal finance. But compounding in life works the exact same way."  
[X Link](https://x.com/FranWalsh73/status/1993303751415758921)  2025-11-25T13:00Z [----] followers, 27.6K engagements


"Your first $100K isnt about the money - its about who you become getting there. Discipline patience awareness control. If you can build those on $50K You will scale them on $500K"  
[X Link](https://x.com/FranWalsh73/status/1993332917435535658)  2025-11-25T14:56Z [----] followers, [----] engagements


"@IneffableQualia Just spent [--] minutes scrolling your page. You aint Socrates brother 😂"  
[X Link](https://x.com/FranWalsh73/status/1993450150707290208)  2025-11-25T22:42Z [----] followers, [--] engagements


"If I had to start from scratch in [----] No savings. No investments. No business. No head start. Just a new job and a clean slate. Heres the exact system Id use to build wealth in my 20s & 30s - the same one I wish I had when I started"  
[X Link](https://x.com/FranWalsh73/status/1993666136060104880)  2025-11-26T13:00Z [----] followers, [----] engagements


"4. Avoid the "Hot" Stuff In my 20s Id ignore: - Day trading - Options - Crypto gambling - Stock picking - Passive income grifts And stick to: - Index funds - Diversified portfolios - Long horizons Boring gets rich. Exciting often gets wrecked"  
[X Link](https://x.com/FranWalsh73/status/1993666150756999367)  2025-11-26T13:00Z [----] followers, [---] engagements


"5. Make Taxes My Offensive Weapon High earners win by avoiding unnecessary taxes. - Maxing Roth IRA - Getting every dollar of 401(k) match - Funding HSA (stealth retirement) - Understanding capital gains - Asset location (tax-efficient placement) Tax Alpha = Real Alpha"  
[X Link](https://x.com/FranWalsh73/status/1993666153156145523)  2025-11-26T13:00Z [----] followers, [---] engagements


"If you dont have a plan for your money someone else will: Your landlord the IRS your employer the economy inflation. Control or be controlled"  
[X Link](https://x.com/FranWalsh73/status/1994753281562664999)  2025-11-29T13:00Z [----] followers, [----] engagements


"The number one money mistake Waiting for perfect conditions. Markets wont care about your feelings. Start now. Fix it & optimize later"  
[X Link](https://x.com/FranWalsh73/status/1995115665678581858)  2025-11-30T13:00Z [----] followers, [----] engagements


"The internet says the path to $1M is: - Side hustles - Options trading - Crypto - Passive income hacks - Waking up at [--] am. But reality (and math) says otherwise. Heres the real $0 $1M playbook that actually works time & time again"  
[X Link](https://x.com/FranWalsh73/status/1995838052187398406)  2025-12-02T12:50Z [----] followers, 13.6K engagements


"2. Save 2030% automatically. Wealth = the gap between income and lifestyle. - 401(k) contributions - Roth IRA auto-transfer - Brokerage weekly auto-invest - HSA via payroll Automation motivation"  
[X Link](https://x.com/FranWalsh73/status/1995838059401666954)  2025-12-02T12:50Z [----] followers, [----] engagements


"3. Keep investing boring. No day trading. No gambling. No hot picks. Use simple diversified building blocks: - Total US market - International - Bonds (as needed) - Low-cost ETFs Boring outperforms most people over decades"  
[X Link](https://x.com/FranWalsh73/status/1995838064594215055)  2025-12-02T12:50Z [----] followers, [----] engagements


"4. Use taxes as a weapon. Depending on your situation & cash flow options include: - Max Match - Max Roth IRA - Max HSA - Backdoor/Mega Options - Dependent Care FSA - Know capital gains - Tax Loss Harvesting/Direct Indexing Tax alpha is real alpha"  
[X Link](https://x.com/FranWalsh73/status/1995838069103022375)  2025-12-02T12:50Z [----] followers, [----] engagements


"Weve got [--] month left in [----]. Most people coast into the new year. Wealth builders use December to lock in tax savings optimize accounts and set up [----] to be their best financial year yet. Heres your [----] Year-End Financial Checklist"  
[X Link](https://x.com/FranWalsh73/status/1996197344383991886)  2025-12-03T12:38Z [----] followers, [----] engagements


"1. Max Your 401(k) Before Dec [--] [----] limit: $23500 (+$7500 catch-up if 50+). - Contributions must hit payroll this year to count. - If you're behind & have the cash flow temporarily increase your percentage"  
[X Link](https://x.com/FranWalsh73/status/1996197349626990988)  2025-12-03T12:38Z [----] followers, [---] engagements


"14. Rebalance Your Portfolio If the market ran hot or cold this year your allocation could be off from what you originally planned. Rebalancing = risk management"  
[X Link](https://x.com/FranWalsh73/status/1996197383856640020)  2025-12-03T12:38Z [----] followers, [---] engagements


"15. Set Your [----] Contribution Plan Before Jan [--] Decide now: - 401(k) % - Roth IRA (auto monthly) - HSA - Brokerage auto-invest Dont hope to start in January. Automate it"  
[X Link](https://x.com/FranWalsh73/status/1996197389040800199)  2025-12-03T12:38Z [----] followers, [---] engagements


"If you ever feel stuck remember this: - You can rebuild your habits. - You can rebuild your income. - You can rebuild your net worth. - You can rebuild your entire life. But only if you stop waiting for permission"  
[X Link](https://x.com/FranWalsh73/status/1996232031982739813)  2025-12-03T14:56Z [----] followers, [---] engagements


"@dukemstyles Thank you Dave Glad you enjoyed"  
[X Link](https://x.com/FranWalsh73/status/1996307610954236213)  2025-12-03T19:56Z [----] followers, [--] engagements


"Every week I meet people in their 40s who say the same sentence: I wish I learned this [--] years ago. Here are the [--] money decisions youll regret at [--] - if you dont fix them in your 20s & 30s"  
[X Link](https://x.com/FranWalsh73/status/1996565230143353233)  2025-12-04T13:00Z [----] followers, 11.2K engagements


"4. Not Automating EVERYTHING - Humans fail. Systems dont. Automation is the only way busy people stay consistent long enough to see results"  
[X Link](https://x.com/FranWalsh73/status/1996565245041521018)  2025-12-04T13:00Z [----] followers, [---] engagements


"5. Carrying high-interest debt and tolerating it. Credit card debt is a wealth killer. If youre paying 20% you're not building wealth - you're funding someone elses"  
[X Link](https://x.com/FranWalsh73/status/1996565250334745021)  2025-12-04T13:00Z [----] followers, [---] engagements


"6. Ignoring taxes until April. The wealthy dont file taxes. They plan around taxes. Understand: - 401(k) match - Roth IRA - HSA - Capital gains - RSU timing Small moves = big savings"  
[X Link](https://x.com/FranWalsh73/status/1996565252494778371)  2025-12-04T13:00Z [----] followers, [---] engagements


"7. Thinking a high income = financial security. It doesnt. Security comes from the gap between income and spending - not the income itself"  
[X Link](https://x.com/FranWalsh73/status/1996565254654841332)  2025-12-04T13:00Z [----] followers, [---] engagements


"10. Not defining enough. If you never define enough you will: - Overspend - Overwork - Compare - Chase things that dont matter Clarity is a wealth multiplier"  
[X Link](https://x.com/FranWalsh73/status/1996565265891418372)  2025-12-04T13:00Z [----] followers, [---] engagements


"TL;DR - Avoid These [--] Regrets: - Start early - Avoid lifestyle creep - Treat your career seriously - Automate - Kill high-interest debt - Plan taxes - Focus on your savings gap - Choose boring investing - Protect the downside - Define enough"  
[X Link](https://x.com/FranWalsh73/status/1996565270475776026)  2025-12-04T13:00Z [----] followers, [---] engagements


"If you want long-term wealth: Ignore trends. Ignore hype. Ignore panic. Focus on behavior. People with elite habits always win"  
[X Link](https://x.com/FranWalsh73/status/1996927598090244214)  2025-12-05T13:00Z [----] followers, [----] engagements


"Everyone obsesses over optimizing investment allocations. But the math is clear: Your savings rate has 1020x more impact on early-stage wealth than your returns. Yet almost nobody focuses on it. Heres how to fix that"  
[X Link](https://x.com/FranWalsh73/status/1998376082014155182)  2025-12-09T12:56Z [----] followers, [----] engagements


"Most people think their 401(k) is all they need for retirement. For 80% of Americans it's their only investment. Spoiler: Its usually not enough. Heres the truth about why retirement planning is broken - and how to fix it to bulletproof your future (with real numbers):"  
[X Link](https://x.com/FranWalsh73/status/1998739577305993449)  2025-12-10T13:00Z [----] followers, [----] engagements


"The 401(k) is a great tool but its not the whole solution. Heres why: - Limited investment options (Often Mutual Funds) - Contributions maxed at $23500/year ($30500 if youre 50+). - Withdrawals taxed as income in retirement - Just one Piece of the Puzzle"  
[X Link](https://x.com/FranWalsh73/status/1998739589192671676)  2025-12-10T13:00Z [----] followers, [---] engagements


"Deferring taxes sounds great - until you need the money. Example: - A $1M 401(k) balance might feel like 'enough.' - But that money is 100% taxable (if traditional 401k) and your "take-home pay" could be significantly less Worse"  
[X Link](https://x.com/FranWalsh73/status/1998739592736886844)  2025-12-10T13:00Z [----] followers, [---] engagements


"If tax rates rise in the future your withdrawals could cost even more. Without tax diversification youre putting all your eggs in one (taxed) basket. A 401(k) can get you started but it may not get you all the way there. Which leads us into our next point"  
[X Link](https://x.com/FranWalsh73/status/1998739597614862664)  2025-12-10T13:00Z [----] followers, [---] engagements


"Heres how tax diversification works: - 401(k): Tax-deferred growth lowers your taxable income today. - Roth IRA: After-tax contributions grow tax-free withdrawals are tax-free in retirement. - Brokerage: Investments grow and are taxes at lower capital gains rate when sold"  
[X Link](https://x.com/FranWalsh73/status/1998739600014004468)  2025-12-10T13:00Z [----] followers, [---] engagements


"Example: To fund retirement you could annually withdraw $50k from your 401(k) (taxed) $30k from a Roth IRA (tax-free) and $20k from a brokerage account (low capital gains). A mix of accounts gives you more control over how much tax you pay"  
[X Link](https://x.com/FranWalsh73/status/1998739602404671941)  2025-12-10T13:00Z [----] followers, [---] engagements


"Brokerage accounts are often overlooked in retirement planning but theyre incredibly flexible: - No contribution limits (unlike 401(k)s or IRAs). - Lower tax rates: Pay capital gains (0% 15% or 20%) instead of ordinary income tax. - No penalties for withdrawals at any age"  
[X Link](https://x.com/FranWalsh73/status/1998739604816507217)  2025-12-10T13:00Z [----] followers, [---] engagements


"Part [--] of Building the Home Gym Complete ✅ Got this [----] NordicTrack Commercial [----] off an older guy for $750. Only had [--] miles logged on it. Going to be a game changer this winter"  
[X Link](https://x.com/FranWalsh73/status/1999469794308063462)  2025-12-12T13:22Z [----] followers, [---] engagements


"@murphnc Lets go love to hear that Whats your must haves to consider"  
[X Link](https://x.com/FranWalsh73/status/1999512300110114870)  2025-12-12T16:10Z [----] followers, [--] engagements


"Only 31% of Americans have a written financial plan. That means most people are still guessing their way into [----]. Here are the [--] fundamental steps to dial in now so [----] becomes your most confident stress-free money year yet"  
[X Link](https://x.com/FranWalsh73/status/2000911367767834922)  2025-12-16T12:50Z [----] followers, [----] engagements


"1. Set Clear Goals & Build a Simple System Every strong financial year starts with intention. - Define [--] priorities for [----] - Build a flexible budget that supports them - Automate savings investing and bills Good systems remove willpower from the equation"  
[X Link](https://x.com/FranWalsh73/status/2000911380300349717)  2025-12-16T12:50Z [----] followers, [---] engagements


"1A. Use the 50/20/30 Rule as Your Baseline A simple framework that works at almost any income level: - 50% Essentials (housing utilities insurance food) - 20% Financial Goals (401k Roth brokerage HSA) - 30% Lifestyle (travel fun subscriptions) Structure then Opimize"  
[X Link](https://x.com/FranWalsh73/status/2000911386994491406)  2025-12-16T12:50Z [----] followers, [---] engagements


"5. Protect Your Income & Family [----] planning isnt just about growth - its about resilience. - Term life insurance - Long-term disability coverage - Dont rely solely on employer plans If others depend on your income protecting it is non-negotiable"  
[X Link](https://x.com/FranWalsh73/status/2000911404161708275)  2025-12-16T12:50Z [----] followers, [---] engagements


"6. Lock in the Basics of Estate Planning Not just for the wealthy. - Will - Power of attorney & healthcare proxy - Updated beneficiaries Youre not doing this for you - youre doing it for the people you love"  
[X Link](https://x.com/FranWalsh73/status/2000911406409883872)  2025-12-16T12:50Z [----] followers, [---] engagements


"This sounds clean and confident. Its also wildly incomplete - and for many people actively harmful. If investing were as simple as buy VOO and chill average investors would actually earn market returns. They dont. JP Morgans data shows investors consistently underperform the market by multiple percentage points per year due to poor timing emotional decisions panic selling and chasing performance. Behavior matters more than asset allocation and one-tweet advice ignores that entirely. Just hold the S&P [---] also assumes perfect behavior and zero recency bias. It sounds genius if you ignore the"  
[X Link](https://x.com/FranWalsh73/status/2001276711632052720)  2025-12-17T13:02Z [----] followers, 20.1K engagements


"@MrNQDC Exactly. Don't get me wrong I love the S&P [---] as much as anyone else - but hitching your entire wagon to it is a sign of recency bias and ignores a more long-standing history"  
[X Link](https://x.com/FranWalsh73/status/2001293191434097059)  2025-12-17T14:07Z [----] followers, [---] engagements


"2) Structural Decisions (Career housing business lifestyle) These are the load-bearing beams of a financial plan. Examples: - Career trajectory & income growth - Where (and how expensively) you live - Whether you own a business - Fixed vs flexible expenses"  
[X Link](https://x.com/FranWalsh73/status/2001636807667052604)  2025-12-18T12:52Z [----] followers, [---] engagements


"One good structural decision can outweigh years of perfect optimization. Income explains the majority of wealth accumulation differences in working years - far more than investment selection"  
[X Link](https://x.com/FranWalsh73/status/2001636810112262458)  2025-12-18T12:52Z [----] followers, [---] engagements


"Your portfolio didnt fail you last year. You: - Changed strategies mid-cycle - Panicked during volatility - Chased what already went up Thats not investing. Thats emotional whiplash"  
[X Link](https://x.com/FranWalsh73/status/2001667839342641634)  2025-12-18T14:56Z [----] followers, [---] engagements


"After years of building financial plans for high-income families one thing is clear: The biggest regrets arent about returns or tax brackets. Theyre about time presence and missed moments. As we approach the holidays lets talk about what money is really for"  
[X Link](https://x.com/FranWalsh73/status/2001998987608375609)  2025-12-19T12:52Z [----] followers, [----] engagements


"Net worth is a lagging indicator. Daily habits: - Spending discipline - Recurring Investments - Risk management Those are the leading indicators. Focus on inputs long enough and the outputs show up"  
[X Link](https://x.com/FranWalsh73/status/2002393107023761628)  2025-12-20T14:58Z [----] followers, [----] engagements


"Most financial anxiety comes from one thing: Not knowing what happens next. A written plan doesnt guarantee success - but it removes a level of uncertainty. And uncertainty is what people actually fear"  
[X Link](https://x.com/FranWalsh73/status/2002755240186073211)  2025-12-21T14:57Z [----] followers, [----] engagements


"If your plan only works when markets cooperate its not a plan. Its a hope. Good planning assumes things will go wrong - and prepares for it anyway"  
[X Link](https://x.com/FranWalsh73/status/2003842149578571996)  2025-12-24T14:56Z [----] followers, [---] engagements


"Your best investment might not be in the market. It might be: - A healthier body - A stronger marriage - A calmer nervous system Those compound too - and sometimes with a better ROI"  
[X Link](https://x.com/FranWalsh73/status/2005291950958587979)  2025-12-28T14:57Z [----] followers, [----] engagements


"A 1% fee isnt expensive or cheap. Its only worth it if: - It changes behavior - It improves outcomes - It removes costly mistakes Price without value is the problem"  
[X Link](https://x.com/FranWalsh73/status/2005655863286002090)  2025-12-29T15:03Z [----] followers, [----] engagements


"I love New Years. Not because of resolutions or goals - but because of non-negotiables. This is the one time of year people pause long enough to ask: What do I actually want [----] to look like The problem Most people quit by mid-January. Not just because theyre lazy (though many are.) Because theres no plan - just wishful thinking. Get healthier. Save more. Be more present. Good intentions. Zero execution. The people who actually change dont rely on motivation. They build systems. They need [--] things. [--]. Clear goals [--]. Simple actions [--]. Repeatable habits. They know: - What gets done weekly -"  
[X Link](https://x.com/FranWalsh73/status/2006349676509802826)  2025-12-31T13:00Z [----] followers, [---] engagements


"Most high earners are overexposed to one thing: Their own employer. Income. Benefits. Stock. Career risk. Thats not diversification. Thats concentration with confidence"  
[X Link](https://x.com/FranWalsh73/status/2006378881100427684)  2025-12-31T14:56Z [----] followers, [---] engagements


"I'm making more money than ever so why does it feel like I'm not getting ahead Your 30s and 40s are peak earning years. Theyre also peak spending years. Heres why this phase is so financially dangerous - and how to survive it without derailing your future"  
[X Link](https://x.com/FranWalsh73/status/2008524018387660971)  2026-01-06T13:00Z [----] followers, [----] engagements


"1. The Trap: Lifestyle inflation meets life complexity Your income goes up. So do your expenses. - Daycare or tuition - Mortgage + upgrades - Sports activities vacations - Aging parents student loans pets groceries (you name it) Suddenly your six-figure income is gone"  
[X Link](https://x.com/FranWalsh73/status/2008524023626424369)  2026-01-06T13:00Z [----] followers, [---] engagements


"3. The Cost: You miss the compounding window These are the years where: - You can save 2030% - You should be investing aggressively - You must avoid debt Missing that window now = playing catch-up in your 50s and 60s"  
[X Link](https://x.com/FranWalsh73/status/2008524029385130102)  2026-01-06T13:00Z [----] followers, [---] engagements


"4. The Plan: Make it Happen - Even if you feel stretched No matter how tight it feels build in margin: - Track your spending for [--] days - Set a % target: Save 20%+ of net income - Prioritize pre-tax buckets (401k HSA IRA) - Automate savings BEFORE spending Make it non-negotiable https://twitter.com/i/web/status/2008524032119902338 https://twitter.com/i/web/status/2008524032119902338"  
[X Link](https://x.com/FranWalsh73/status/2008524032119902338)  2026-01-06T13:00Z [----] followers, [---] engagements


"5. The Power Move: - Build a [--] month cash reserve - Get lean/cut where it doesnt matter - Invest where it does: tax strategy protection and growth Cut the noise. Build the core. Dont let lifestyle creep eat your financial future"  
[X Link](https://x.com/FranWalsh73/status/2008524037127840226)  2026-01-06T13:00Z [----] followers, [---] engagements


"6. Real clients who thrived through this phase: - Made budgeting a team sport - Created an opportunity fund for big goals - Rebalanced priorities yearly - Asked: Whats enough for us Financial peace is built on alignment"  
[X Link](https://x.com/FranWalsh73/status/2008524039279501823)  2026-01-06T13:00Z [----] followers, [---] engagements


"TL;DR - The Most Expensive Years of Your Life Your 30s40s are when you should build wealth not when you should defer it. - Get lean - Get clear - Get automated - Use this decade as a launchpad"  
[X Link](https://x.com/FranWalsh73/status/2008524043771670919)  2026-01-06T13:00Z [----] followers, [---] engagements


"That's a wrap Most won't do this. You can - make it happen [--]. Follow me @FranWalsh73 for more of these [--]. RT the tweet below to share this thread with your audience Disclaimer; This thread is for educational purposes only. The contents expressed are my thoughts alone. You should always consult a qualified tax legal or financial advisor before making decisions for your family. I'm making more money than ever so why does it feel like I'm not getting ahead Your 30s and 40s are peak earning years. Theyre also peak spending years. Heres why this phase is so financially dangerous - and how to"  
[X Link](https://x.com/FranWalsh73/status/2008524046967701639)  2026-01-06T13:00Z [----] followers, [---] engagements


"@ryanOpulus This is spot on - hence why the "just buy ____" crowd always gets it wrong. Nobody knows if todays winners will keep winning"  
[X Link](https://x.com/FranWalsh73/status/2008535213748765134)  2026-01-06T13:44Z [----] followers, [--] engagements


"55% of Americans have no retirement savings. The average 65-year-old has just $280000 saved. Most people dont fail in retirement because of the market. They fail because of bad planning assumptions. Here are the [--] biggest retirement planning mistakes (with real numbers)"  
[X Link](https://x.com/FranWalsh73/status/2008886408157569114)  2026-01-07T13:00Z [----] followers, [----] engagements


"1. Retiring Too Early on Shaky Math Ive got $1M. Im good. Lets do the math: - $1000000 4% = $40000/year - Median household spending (age 65+) $52000/year $1M feels rich. But it can still leave a gap - before taxes healthcare or surprises"  
[X Link](https://x.com/FranWalsh73/status/2008886414625124490)  2026-01-07T13:00Z [----] followers, [---] engagements


"2. Underestimating Healthcare Costs Healthcare is the quiet killer of retirement plans. Fidelity estimate: - $315000+ for healthcare costs - For a 65-year-old couple - Not including long-term care Thats a mortgage-sized expense many people never budget for"  
[X Link](https://x.com/FranWalsh73/status/2008886417099743563)  2026-01-07T13:00Z [----] followers, [---] engagements


"3. Treating the 4% Rule Like a Guarantee The 4% rule is a starting point Two problems people ignore: - Sequence-of-returns risk: Retire into a bad market withdrawals do permanent damage"  
[X Link](https://x.com/FranWalsh73/status/2008886419985420478)  2026-01-07T13:00Z [----] followers, [---] engagements


"- Inflation: At 3% your buying power is cut in half in [--] years. Withdrawals require flexibility not autopilot"  
[X Link](https://x.com/FranWalsh73/status/2008886425458966882)  2026-01-07T13:00Z [----] followers, [---] engagements


"Required Minimum Distributions (RMDs) begin at [--] - forcing taxable income whether you need it or not. Tax planning isnt optional. Its how you keep your money instead of donating it to the IRS"  
[X Link](https://x.com/FranWalsh73/status/2008886444371153308)  2026-01-07T13:00Z [----] followers, [---] engagements


"5. Saving Without an Income Plan Most people focus on accumulation. Very few plan the withdrawal plan. Without a clear income strategy: - You overspend early and run out - Or underspend forever and never enjoy it Neither is the goal"  
[X Link](https://x.com/FranWalsh73/status/2008886448494109169)  2026-01-07T13:00Z [----] followers, [---] engagements


"Retirement success isnt about hitting a number. Its about coordinating: - Social Security - Pensions - Portfolio withdrawals - Taxes - Healthcare - Market risk"  
[X Link](https://x.com/FranWalsh73/status/2008886452193493005)  2026-01-07T13:00Z [----] followers, [---] engagements


"Your friends $90K car doesnt mean theyre ahead. Their Italy trip doesnt mean youre behind. Income wealth. Spending success. Social media real life. This weeks newsletter breaks down the real math behind money comparison and what actually builds freedom"  
[X Link](https://x.com/FranWalsh73/status/2008901509493166270)  2026-01-07T14:00Z [----] followers, [----] engagements


"72% of Americans say they feel stressed about money. And most think the answer is earn more. And that certainly can help but for many people more income just means more confusion. Here are [--] simple systems that make your money feel less stressful"  
[X Link](https://x.com/FranWalsh73/status/2009248790155239811)  2026-01-08T13:00Z [----] followers, [----] engagements

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