# ![@MrNQDC Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1066609436.png) @MrNQDC Mr NQDC

Mr NQDC posts on X about money, private equity, financial planner, retirement the most. They currently have [-----] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1066609436/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1066609436/c:line/m:interactions.svg)

- [--] Week [------] +368%
- [--] Month [-------] +43%
- [--] Months [-------] +50%
- [--] Year [---------] +110,067%

### Mentions: [--] [#](/creator/twitter::1066609436/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1066609436/c:line/m:posts_active.svg)

- [--] Month [--] -78%
- [--] Months [-----] +70%
- [--] Year [-----] +20,555%

### Followers: [-----] [#](/creator/twitter::1066609436/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1066609436/c:line/m:followers.svg)

- [--] Week [-----] +2.60%
- [--] Month [-----] +4.20%
- [--] Months [-----] +69%
- [--] Year [-----] +1,214%

### CreatorRank: [-------] [#](/creator/twitter::1066609436/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1066609436/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  #6528 [countries](/list/countries)  [cryptocurrencies](/list/cryptocurrencies)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [currencies](/list/currencies)  [travel destinations](/list/travel-destinations)  [social networks](/list/social-networks)  [automotive brands](/list/automotive-brands)  [celebrities](/list/celebrities) 

**Social topic influence**
[money](/topic/money), [private equity](/topic/private-equity) #200, [financial planner](/topic/financial-planner) #188, [retirement](/topic/retirement) #1763, [investment](/topic/investment), [insurance](/topic/insurance) #90, [inflation](/topic/inflation), [if you](/topic/if-you), [longterm](/topic/longterm), [compound](/topic/compound)

**Top accounts mentioned or mentioned by**
[@tkopelman](/creator/undefined) [@moneycruncher](/creator/undefined) [@jonluskin](/creator/undefined) [@zachmelloh26](/creator/undefined) [@ryanhaiss](/creator/undefined) [@investedinyou](/creator/undefined) [@cliffcornell](/creator/undefined) [@themattviera](/creator/undefined) [@measuretwicemny](/creator/undefined) [@marketpalmer](/creator/undefined) [@nathanielsford](/creator/undefined) [@jennyrozelle](/creator/undefined) [@ryanopulus](/creator/undefined) [@unusualwhales](/creator/undefined) [@jakeoliver](/creator/undefined) [@mrfamilyoffice](/creator/undefined) [@olsonplanner](/creator/undefined) [@darrelltalksfi](/creator/undefined) [@franwalsh73](/creator/undefined) [@cpataxteam](/creator/undefined)

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

"@MJA_Editor @drkerrynphelps As an Australian in New York Ive been dumbfounded to watch this debate & discussion about masks in Oz. Learn from successes & failures in US: New York literally went from death to safety by everybody wearing masks"  
[X Link](https://x.com/MrNQDC/status/1284182967682826240)  2020-07-17T17:47Z [----] followers, [---] engagements


"@DrRachie @MJA_Editor @drkerrynphelps Thank you fellow Aussie Dr Rach in Wyoming Lots of fails in the US but Oz may as well learn from our mistakes quickly - no need to spend time talking about masks"  
[X Link](https://x.com/MrNQDC/status/1284271621210079232)  2020-07-17T23:39Z [----] followers, [--] engagements


"Quote tweeting timeless threads All this asset allocation talk reminds me of that 4-Part tweetstorm from a few years ago.fun to revisit: Part [--] https://t.co/9U2TrTl3D1 Part [--] https://t.co/MaseIU9bJI Part [--] https://t.co/H2rPAh83LC Part [--] https://t.co/N9lICzAsog All this asset allocation talk reminds me of that 4-Part tweetstorm from a few years ago.fun to revisit: Part [--] https://t.co/9U2TrTl3D1 Part [--] https://t.co/MaseIU9bJI Part [--] https://t.co/H2rPAh83LC Part [--] https://t.co/N9lICzAsog"  
[X Link](https://x.com/gage_roads/status/1622376929562136583)  2023-02-05T23:29Z [---] followers, [----] engagements


"@wealthandlaw @tjryanesq Love this list of [--] & avid listener of your podcast - copied/pasted into checklist for next estate plan review w attorney. Q: given this creditor issue does 2/ become remove even age based withdrawal rights Would love podcast on this"  
[X Link](https://x.com/gage_roads/status/1718591542032568609)  2023-10-29T11:32Z [--] followers, [--] engagements


"@AriDavidPaul @MebFaber @BillAckman @Harvard Agree w Ari. Oh the irony: didnt the [--] x uni Presidents use 1st Amendment / free speech justifications for antisemitic actions & statements on campus Naming authors of public statements is perfectly in line w the very standard the Presidents advocated"  
[X Link](https://x.com/gage_roads/status/1735133023761211845)  2023-12-14T03:02Z [---] followers, [--] engagements


"@iRobot Complaint: my Roomba broke down & I cant get anybody to return my call after Ive called multiple times & emailed iRobot. My Roomba Serial Number ends in 202512"  
[X Link](https://x.com/gage_roads/status/1737656833991475640)  2023-12-21T02:10Z [---] followers, [---] engagements


"@iRobot I have emailed you many times and called your phone number. Pls see my direct message on X just sent now"  
[X Link](https://x.com/gage_roads/status/1737862221005201533)  2023-12-21T15:46Z [---] followers, [--] engagements


"@iRobot @iRobot I have emailed you many times and called your phone number. Pls see my direct message on X just sent now"  
[X Link](https://x.com/Glen_NQDC/status/1737969022350545140)  2023-12-21T22:51Z [---] followers, [--] engagements


"@girdley @Chilis Youre meant to be the good guy of FinTwit RETwit & PETwit. Every billionaire in America will be shaming you on social media"  
[X Link](https://x.com/anyuser/status/1743617660946952424)  2024-01-06T12:56Z [--] followers, [---] engagements


"Social media marketing A lot of people ask how I went from [--] to more than [----] followers in [--] months while building a business from scratch. If you're curious this is the exact blueprint I've used. A lot of people ask how I went from [--] to more than [----] followers in [--] months while building a business from scratch. If you're curious this is the exact blueprint I've used"  
[X Link](https://x.com/anyuser/status/1745930622416081252)  2024-01-12T22:07Z [--] followers, [--] engagements


"@DarkfireCapital @rhunterh Sincere question due to my ignorance: is there a government plan to stop 1031s"  
[X Link](https://x.com/gage_roads/status/1767504294775751011)  2024-03-12T10:53Z [---] followers, [--] engagements


"@moseskagan @mhprvpmvp @RobertLBurns61 Theres a great Taylor Swift line for everything: play stupid games get stupid prizes. They brought it on themselves and the schools have been way too lenient on antisemites"  
[X Link](https://x.com/gage_roads/status/1790939685998518306)  2024-05-16T02:57Z [---] followers, [--] engagements


"@ferventfinance I stay a short stroll from Central Park in the best neighborhood in Manhattan especially for families: UWS. The Arthouse is very good value & great location"  
[X Link](https://x.com/gage_roads/status/1815433737003561418)  2024-07-22T17:08Z [---] followers, [--] engagements


"Personal finance"  
[X Link](https://x.com/gage_roads/status/1840443214433812524)  2024-09-29T17:27Z [---] followers, [--] engagements


"@moseskagan @NickatFP Noticed you had a late night Moses. Trump comedians Puerto Rico vile *was* the October Surprise. A GIFT to Harris (& democracy). Then Uncle Joe entered the chat. As predicted by those who know him best. https://www.axios.com/2024/10/27/harris-biden-distance-campaign https://www.axios.com/2024/10/27/harris-biden-distance-campaign"  
[X Link](https://x.com/MrNQDC/status/1851574387264127073)  2024-10-30T10:38Z [----] followers, [--] engagements


"@PeterAttiaMD @PeterAttiaMD Shocked to hear Jim VanDehei Axios CEO/Founder claim on CNNs Inside Politics today Peter Attias followers tend to lean toward RFK Jr. False. Have never heard you question vaccines. Youve advocated for interventionist pharmacology when appropriate"  
[X Link](https://x.com/gage_roads/status/1853069434543345851)  2024-11-03T13:39Z [---] followers, [--] engagements


"@realEstateTrent Proud Dem here. As Chris Cuomo said: when Dems focus on policing the language but not the streets this is the election result we get. That was a resounding defeat for lawlessness. Hopeful the pendulum is rightly swinging back to pro-enforcement candidates"  
[X Link](https://x.com/gage_roads/status/1857771611375481331)  2024-11-16T13:04Z [---] followers, [---] engagements


"@moseskagan I know a small landlord in anti-landlord jurisdiction who quietly wont touch tenants with credit score [---] AND requires [--] x incomes that are EACH $150K"  
[X Link](https://x.com/gage_roads/status/1864137144400244961)  2024-12-04T02:38Z [---] followers, [---] engagements


"@moseskagan @radfugee Moses what gave you a change of heart Recall youve always passionately advocated the ROI of Andover & other elite private elementary & high schools"  
[X Link](https://x.com/gage_roads/status/1865881961270497762)  2024-12-08T22:11Z [---] followers, [---] engagements


"@MeasureTwiceMNY Vanguard has the best index capabilities but the worst platform right I see this in comparing my spouses 401k at Vanguard vs. mine at Fidelity. It feels early 2000s user experience vs. 2024"  
[X Link](https://x.com/gage_roads/status/1865942037360717833)  2024-12-09T02:10Z [---] followers, [---] engagements


"Do you mean missing on 50bps of gross tax alpha is not worth the extra [--] or [--] bps of extra fee over ETF .& the complexity of 200-300 securities @MebFaber also points out that ETF fees are effectively tax deductible (by netting against distributions) which is not so for direct indexing fees"  
[X Link](https://x.com/NQDC_Nerd/status/1895453626933366840)  2025-02-28T12:38Z [---] followers, [---] engagements


"@MebFaber Whats your view of the most popular commentators / capital market forecasters on financial TV"  
[X Link](https://x.com/NQDC_Nerd/status/1895455293750014312)  2025-02-28T12:45Z [---] followers, [--] engagements


"Found your angle on recent podcast thought provoking about the liquidity benefits of a home mortgage even if youre affluent and can afford to pay cash: dont get too excited about the tax deduction (marginal benefit at best given the high standard deduction) but often very worthwhile if you value liquidity"  
[X Link](https://x.com/Glen_NQDC/status/1895883790066827647)  2025-03-01T17:08Z [---] followers, [---] engagements


"@AdviserCounsel You mean the talk about exempting crypto from capital gains tax"  
[X Link](https://x.com/NQDC_Nerd/status/1896755395139694846)  2025-03-04T02:51Z [---] followers, [--] engagements


"@TheStalwart on a new age of orality in our post-literate age the oral word replaces the written word reminded me of something @ChrisCillizza said: when youre running for President Gavin Newsoms launch of his own podcast is the modern-day equivalent of writing a book BLOWING UP THE USMCA IN THE AGE OF ORALITY In today's Odd Lots newsletter I wrote about Trump's oral intuitions and how they help explain his willingness and comfort with ripping up a trading arrangement that he himself established. https://t.co/226fjKExoH BLOWING UP THE USMCA IN THE AGE OF ORALITY In today's Odd Lots newsletter"  
[X Link](https://x.com/Glen_NQDC/status/1897824814565400652)  2025-03-07T01:41Z [---] followers, [--] engagements


"@MeasureTwiceMNY Is this your every dollar needs a use by date approach to investing in action"  
[X Link](https://x.com/Glen_NQDC/status/1900232220562145552)  2025-03-13T17:07Z [---] followers, [--] engagements


"@TKopelman Hear hear. Love the shout out for deferred comp plans in moderation & with an eye to the credit risk of the employer"  
[X Link](https://x.com/Glen_NQDC/status/1900243768403447987)  2025-03-13T17:53Z [---] followers, [--] engagements


"Im a fan of the solo financial planner model and the small boutiques for a personalized edge over the big firms Rachael Camp is disrupting the traditional model of the bigs I remember entering this industry and finding the way advisors gave advice very weird. Two important things I found that transformed the way I work: 1) Present advice the way I would want to receive advice. 2) Good financial advice doesn't scale. I remember entering this industry and finding the way advisors gave advice very weird. Two important things I found that transformed the way I work: 1) Present advice the way I"  
[X Link](https://x.com/Glen_NQDC/status/1900505241449021574)  2025-03-14T11:12Z [---] followers, [--] engagements


"@investing_law Grinding it out with educational & researched posts on Twitter no where near your huge following yet but dreams are free"  
[X Link](https://x.com/Glen_NQDC/status/1901338303494062243)  2025-03-16T18:22Z [---] followers, [--] engagements


"@money_cruncher I agree with you that its nuts (a nonpartisan comment as both presidential candidates proposed it) & yet isnt this exactly what we have in the enormous tax concessions on qualified dividends and capital gains: favors one type of income over another type of income"  
[X Link](https://x.com/Glen_NQDC/status/1901346121235992941)  2025-03-16T18:53Z [---] followers, [----] engagements


"Compare the ordinary income tax rates for a married couple on the left vs. tax on long term capital gains & qualified dividends circled on the right - almost 100k income tax free I agree with rewarding capital for taking risk but theres no denying that Federal taxes favor that over ordinary income"  
[X Link](https://x.com/Glen_NQDC/status/1901372007909925157)  2025-03-16T20:36Z [---] followers, [--] engagements


"@petticoattweets @money_cruncher Your question inspired me to post this table comparing ordinary tax rates vs dividends & long term capital gains tax. Will also give you a follow https://x.com/glen_nqdc/status/1901372007909925157s=46&t=VrpfcyslLy8iC83Ak4Kmrg @money_cruncher Compare the ordinary income tax rates for a married couple on the left vs. tax on long term capital gains & qualified dividends circled on the right - almost 100k income tax free I agree with rewarding capital for taking risk but theres no denying that Federal taxes favor that https://t.co/cpOCEDXEuD"  
[X Link](https://x.com/Glen_NQDC/status/1901374462387503496)  2025-03-16T20:46Z [---] followers, [--] engagements


"@susanweiner Love it Susan. Do you subscribe to the master copywriter David Ogilvys golden rules on How To Write You just nailed rule number [--] I literally hang this above my desk"  
[X Link](https://x.com/Glen_NQDC/status/1901408108682863056)  2025-03-16T22:59Z [---] followers, [--] engagements


"This is why I push back on #FinTwits call for financial literacy in schools. In the United States & across the western world: we 1st need to teach democracy and how to be engaged informed voters. @frazerrice is a favorite follow THE IMPORTANCE OF CIVICS with LINDSEY CORMACK https://t.co/kPEn4gUJMk THE IMPORTANCE OF CIVICS with LINDSEY CORMACK https://t.co/kPEn4gUJMk"  
[X Link](https://x.com/Glen_NQDC/status/1901675453238428144)  2025-03-17T16:42Z [---] followers, [---] engagements


"@moseskagan Literally live above the shop Just like [--] Downing St or Pennsylvania Avenue"  
[X Link](https://x.com/Glen_NQDC/status/1902164086579982618)  2025-03-19T01:03Z [---] followers, [---] engagements


"@acmejla Great opportunity for a financial planner to join a fee-only boutique"  
[X Link](https://x.com/Glen_NQDC/status/1902444946139050144)  2025-03-19T19:39Z [---] followers, [--] engagements


"@money_cruncher Pity the poor bastard who makes $201K. That extra $1K of income just costed $50K a year"  
[X Link](https://x.com/Glen_NQDC/status/1902484042769162571)  2025-03-19T22:15Z [---] followers, [--] engagements


"And here I was thinking the small pocket in my Levi jeans is for physical cash Turns out the small pocket on the right front side is called a watch pocket since it was intended to store a pocket watch a typical possession during the late 1800s"  
[X Link](https://x.com/Glen_NQDC/status/1902509110056382849)  2025-03-19T23:54Z [---] followers, [---] engagements


"@rohindhar Real life evidence of value of Mag [--] underwriting mortgages and even cash offers in the Bay Area"  
[X Link](https://x.com/Glen_NQDC/status/1902569207168164166)  2025-03-20T03:53Z [---] followers, [----] engagements


"I often get asked: how much is too much to invest in a non-qualified deferred compensation (NQDC) plan Unlike a 401k these plans arent ERISA-protectedif your employer goes bankrupt your savings could disappear. While its wise to evaluate your employers credit risk most people never think their company will fail. So how much of your wealth would you feel comfortable locking up to benefit from an employer match and tax savings Paging @DadInvest and @wbridgefa"  
[X Link](https://x.com/Glen_NQDC/status/1902821815535407205)  2025-03-20T20:37Z [---] followers, [---] engagements


"@zachmelloh26 Was thinking more of my neighborhood financial planner who also operates a real estate private equity firm: amazingly the best investment manager he can find on the planet for his planning clients is his own funds"  
[X Link](https://x.com/Glen_NQDC/status/1902835179070324778)  2025-03-20T21:30Z [---] followers, [--] engagements


"@knowclarified Did you see the hysterical all caps tweets by @Jason when - shux - he found out that the FDIC guarantee limit of $250K for SVB & other bank deposits applied even to his portfolio companies Thats all you needed to know about him"  
[X Link](https://x.com/Glen_NQDC/status/1903192306737615079)  2025-03-21T21:09Z [---] followers, [---] engagements


"No matter how many finance & actuarial degrees & designations Ive accumulated Ive never been able to figure out the upside of car loans. Even in the low rate days everybody I knew who financed a purchase or lease inevitably ended up buying a brand new car which feels like a 20% loss the moment you drive it off the lot"  
[X Link](https://x.com/Glen_NQDC/status/1903494207605715046)  2025-03-22T17:09Z [---] followers, [---] engagements


"@Invested_In_You Gimme that free money of tax alpha only possible with a top-notch financial planner or a tax pro who does more than just tax prep"  
[X Link](https://x.com/Glen_NQDC/status/1903544668794618137)  2025-03-22T20:29Z [---] followers, [--] engagements


"@TheStalwart @bennpeifert A hill Ill die on from brutal personal experience across private & public sectors: every organization of [---] people has shocking levels of bureaucracy sacred cows & head scratching dumb stuff in the internal mechanics"  
[X Link](https://x.com/Glen_NQDC/status/1903545921054392372)  2025-03-22T20:34Z [---] followers, 15.6K engagements


"@bogleheads @Rick_Ferri @michaelrpiper Happy Birthday @Rick_Ferri Keep fighting the good fight & stirring up the critics in the cause of hourly fee financial planning"  
[X Link](https://x.com/Glen_NQDC/status/1903559060869280051)  2025-03-22T21:27Z [---] followers, [---] engagements


"@FinPlanz @Rick_Ferri @bogleheads @michaelrpiper Gimme an advice-only adviser for actual financial advice without forcing me to bundle it with asset management or insurance"  
[X Link](https://x.com/Glen_NQDC/status/1903846247489819021)  2025-03-23T16:28Z [---] followers, [--] engagements


"@girdley @Chilis And Non-Qualified Deferred Compensation"  
[X Link](https://x.com/Glen_NQDC/status/1904012557532192975)  2025-03-24T03:29Z [---] followers, [--] engagements


"@MebFaber @profgalloway A [---] ETF conversion may be the best (or only) off ramp for direct indexing accounts to get out without triggering a taxable gain"  
[X Link](https://x.com/Glen_NQDC/status/1904323972872749509)  2025-03-25T00:06Z [---] followers, [---] engagements


"@zachmelloh26 Its wild how many high earners skip the tax deferral of a pre-tax 401(k) in favor of a Roth. Most retirees even high-income ones wont be in the 37% Federal bracket. Deferring taxes now could mean big savings later"  
[X Link](https://x.com/Glen_NQDC/status/1904935321336246566)  2025-03-26T16:35Z [---] followers, [---] engagements


"Sincere question: Im a big fan of retirement accounts for their tax deferral and tax-exempt growth but wouldnt the IRR on the equity in your business AllStreet Wealth likely outperform even a tax-exempt account Why not prioritize reinvesting in the business Heres a quote I found fascinating from the godfather of financial planning Michael Kitces about his personal finances"  
[X Link](https://x.com/Glen_NQDC/status/1905024307673080184)  2025-03-26T22:29Z [---] followers, [----] engagements


"@unusual_whales @tastytrade This one falls into the category of not worth the Return on Hassle h/t @baldridgecpa"  
[X Link](https://x.com/Glen_NQDC/status/1905338506630537489)  2025-03-27T19:17Z [---] followers, [---] engagements


"@Rick_Ferri Spot onskepticism is a critical skill in investing. As public market smart money increasingly goes passive private credit funds are booming. Why Its the new playground for managers to extract hefty fees. Clients beware"  
[X Link](https://x.com/Glen_NQDC/status/1905721248581382258)  2025-03-28T20:38Z [---] followers, [---] engagements


"@drgurner Interesting on your point about the sheep shearers high paying job: @sama predicted that white collar/knowledge worker jobs are at greater risk from AI than blue collar jobs"  
[X Link](https://x.com/Glen_NQDC/status/1906024991788789834)  2025-03-29T16:45Z [---] followers, 20.1K engagements


"The idea that the stock market has half the great companies it did 15-20 years ago smells like a convenient narrative for those pushing high-fee private equity funds. With mutual fund margins shrinking thanks to low-cost index ETFs some are simply looking for the next way to extract fees from investors Dont fall for it As public markets got over regulated - private markets stepped up. Now a quasi-public late-stage market exists with massive liquidity & financing rounds that look like private IPOs. OpenAI SpaceX Databricks etc. Grt for late stage firms - bad for retail investors. 🎯📈 As"  
[X Link](https://x.com/Glen_NQDC/status/1906304581564334192)  2025-03-30T11:16Z [---] followers, [---] engagements


"@StojBoj Gotta say even after getting a CFA CFP & a few other financial qualifications I find Social Security a rabbit warren of complexity the further I get into it. Its def another use-case for a true financial planner"  
[X Link](https://x.com/Glen_NQDC/status/1906320175470694401)  2025-03-30T12:18Z [---] followers, [--] engagements


"@unusual_whales Color me skeptical: as public market smart money increasingly goes to passive ETFs private equity funds are booming. Why Its the new playground for managers like BlackRock to extract hefty fees from investors. Clients beware"  
[X Link](https://x.com/Glen_NQDC/status/1906780379798782231)  2025-03-31T18:47Z [---] followers, [----] engagements


"Larry Finks BlackRock has made billions yet they cant help but envy the massive fees private equity firms rake in. So theyre diving into that space chasing the next big opportunity to charge sky-high fees to investors. Now theyve set their sights on Mom & Dads retirement accounts as the next golden goose"  
[X Link](https://x.com/Glen_NQDC/status/1906784222117069034)  2025-03-31T19:02Z [---] followers, [---] engagements


"Color me skeptical: Larry Finks BlackRock has made billions yet they cant help but envy the massive fees private equity firms rake in. So theyre diving into that space as the next big opportunity to charge sky-high fees to investors. Now theyre coming for Mom & Dads accounts as the next golden goose"  
[X Link](https://x.com/Glen_NQDC/status/1906787162449744373)  2025-03-31T19:14Z [---] followers, [--] engagements


"@rohindhar Love your real time updates on both the San Fran property market & all your observations on short term rental investments across the US"  
[X Link](https://x.com/Glen_NQDC/status/1907556992635359697)  2025-04-02T22:13Z [---] followers, [---] engagements


"@KeithKail Thanks Kail Lots of people lost interest in I-Bonds because of the lower interest rate but I think they still have a potential place as an alternative to cash in the bank given the tax & inflation-hedging benefits"  
[X Link](https://x.com/Glen_NQDC/status/1907821347008360640)  2025-04-03T15:43Z [---] followers, [--] engagements


"@MariaBartiromo Only time will tell if its an overreaction or not but as As Warren Buffett put it: The stock market is a device to transfer money from the impatient to the patient"  
[X Link](https://x.com/Glen_NQDC/status/1907918385041551567)  2025-04-03T22:09Z [---] followers, [---] engagements


"Sure. To illustrate that youll end up paying income tax on a smaller portfolio balance since taxes are due at the time of the Roth conversionspecifically on the amount distributed heres an example: if your traditional IRA was worth $200000 at the start of the year converting it to a Roth then wouldve meant paying income tax on the full $200K. But if market declines brought the value down to $160K youd now only owe tax on that reduced amount. That drop could translate into significant tax savings"  
[X Link](https://x.com/Glen_NQDC/status/1907988506716033288)  2025-04-04T02:48Z [---] followers, [--] engagements


"As the late great Jack Bogle founder of Vanguard said: My rule and its good only about 99% of the time so I have to be careful here when these crises come along the best rule you can possible follow is not Dont stand there do something but Dont do something stand there H/T: @mebfaber"  
[X Link](https://x.com/Glen_NQDC/status/1908215899284238817)  2025-04-04T17:51Z [---] followers, [--] engagements


"As the late great Jack Bogle founder of Vanguard said: My rule and its good only about 99% of the time so I have to be careful here when these crises come along the best rule you can possible follow is not Dont stand there do something but Dont do something stand there H/T: @mebfaber"  
[X Link](https://x.com/Glen_NQDC/status/1908216261445620024)  2025-04-04T17:53Z [---] followers, [----] engagements


"@money_cruncher @unusual_whales 🎯 After big announcements market prices may reflect the liquidity needs of hedge funds/leveraged traders and market makers as opposed to medium term fundamentals"  
[X Link](https://x.com/Glen_NQDC/status/1908224813295878383)  2025-04-04T18:27Z [---] followers, [---] engagements


"@jennyrozelle Ive said this before: we need you to launch your own Netflix show Jenny to educate people on all the estate planning horror stories in real time 🍿"  
[X Link](https://x.com/Glen_NQDC/status/1908230620683161917)  2025-04-04T18:50Z [---] followers, [---] engagements


"Indiscriminate selling is so true. After big announcements market prices may reflect the liquidity needs of hedge funds/leveraged traders & market makers rather than medium term fundamentals. As Vanguards founder the late Jack Bogle said: When these crises come along the best rule you can possibly follow is not Dont stand there do something but Dont do something stand there"  
[X Link](https://x.com/Glen_NQDC/status/1908248659281764843)  2025-04-04T20:01Z [---] followers, [----] engagements


"@unusual_whales Nobody likes that red ink but long-term investing in growth assets is the best way to build wealth & outpace inflation. As Warren Buffett put it: The stock market is a device to transfer money from the impatient to the patient"  
[X Link](https://x.com/Glen_NQDC/status/1908256499505229934)  2025-04-04T20:32Z [---] followers, [----] engagements


"@wufbro @awealthofcs Can be episodic for sure See the Lost Decade": period from Jan [----] to Dec [----] when the S&P [---] generated an annualized total return of -0.9%. But a total return of over 800% in the years since"  
[X Link](https://x.com/Glen_NQDC/status/1908558388818026986)  2025-04-05T16:32Z [---] followers, [--] engagements


"@DaveRamsey Mistakes are part of life & learning especially in investing. A good financial planner be valuable to help make higher quality decisions"  
[X Link](https://x.com/Glen_NQDC/status/1908586094230151170)  2025-04-05T18:22Z [---] followers, [---] engagements


"@unusual_whales Funny enough in managing investments wed all be better off expecting a recession every yearits part of the economic cycle. The big uncertainty is when it happens. The key is to build a long-term portfolio that suits you and that you can stick with through the ups & downs"  
[X Link](https://x.com/Glen_NQDC/status/1908677612282556862)  2025-04-06T00:26Z [---] followers, [----] engagements


"Truflation data will surely be analyzed by forecasters trying to predict the future path of inflation. But no matter the environment long-term investors are wise to prepare for all [--] potential scenariosinflation deflation recession & growth. True diversification is building a portfolio that can hold up in any of these conditions. The real key Crafting a long-term strategy that suits your personal goals& that you can stick with through every phase of the cycle"  
[X Link](https://x.com/Glen_NQDC/status/1908865244023156927)  2025-04-06T12:51Z [---] followers, [----] engagements


"Seeing lots of forecasters trying to predict recession & inflation. But long-term investors should prepare for all [--] potential scenarios: inflation deflation recession & growth. True diversification is a portfolio that can hold up in any of these conditions. Rather than try predicting the future Id rather craft a long-term strategy that suits personal goals& that you can stomach through every phase of the cycle"  
[X Link](https://x.com/Glen_NQDC/status/1908880174910685507)  2025-04-06T13:51Z [---] followers, [---] engagements


"True about him having this belief in tariffs for a long time. I dont agree with him at all. But anybody assuming they know the future & that hell reverse this decision when he has talked about his belief tariffs for [--] years should search for the clip of Trump talking to Oprah in 1998"  
[X Link](https://x.com/Glen_NQDC/status/1908906213301215432)  2025-04-06T15:34Z [---] followers, [----] engagements


"@disruptovator @charliebilello Stagflation = inflation + stagnant or recessionary economy. Sounds like one when Treasury Inflation Protected Securities (TIPS) could do well (depending on interest rate movements)"  
[X Link](https://x.com/Glen_NQDC/status/1908983271876067781)  2025-04-06T20:40Z [---] followers, [--] engagements


"@karupaiahr1962 @zerohedge Precious metals & commodities can be good diversifiers in the satellite of a portfolio"  
[X Link](https://x.com/Glen_NQDC/status/1909089184653910492)  2025-04-07T03:41Z [---] followers, [--] engagements


"@camp_wealth This👆🏻 Unlike mid-career investors retirees face sequence of returns riskthe danger of needing to sell investments during a downturn to cover living costs. It can drain a portfolio fast. A real financial advisor helps plan for & manage this critical risk"  
[X Link](https://x.com/Glen_NQDC/status/1909235045165891921)  2025-04-07T13:21Z [---] followers, [---] engagements


"@TKopelman Exactly. The value of real financial planning"  
[X Link](https://x.com/Glen_NQDC/status/1909238043074011385)  2025-04-07T13:33Z [---] followers, [----] engagements


"@justinmilleresq Exactly. Thats the value of real financial planning"  
[X Link](https://x.com/Glen_NQDC/status/1909261439426019759)  2025-04-07T15:06Z [---] followers, [---] engagements


"@money_cruncher 100% yes to continuing to invest in the market using index funds & ETFsautomating it through your 401(k) is ideal. As Warren Buffetts business partner the late Charlie Munger said: index funds are the logical thing to do for most folks"  
[X Link](https://x.com/Glen_NQDC/status/1909347215354519568)  2025-04-07T20:47Z [---] followers, [---] engagements


"Yes to lifestyle changes that get you back on track As these high income earns discovered its not what you make but what you keep. Skip the budgeting grindpay yourself 1st Pay down debt & automate savings to your 401(k) IRA NQDC brokerage before you can spend it. $$$ you never see = $$$ you wont miss"  
[X Link](https://x.com/Glen_NQDC/status/1909371397782028635)  2025-04-07T22:23Z [---] followers, [----] engagements


"Only a financial advisor who understands your unique situation can truly answer this. In my [--] years in capital markets Ive never seen anyonenot even the prosconsistently time market entry & exit. Getting both the buy & the sell right is incredibly tough. Thats why we stay invested and keep buying to average in over time. In this case one key consideration is when you anticipate needing the money from the NQDC. Theres real tax alpha & often an employer match contribution that a good advisor can uncover by analyzing your NQDC plan in the context of your full financial picture. But be wary of"  
[X Link](https://x.com/Glen_NQDC/status/1909378365611524197)  2025-04-07T22:50Z [---] followers, [--] engagements


"@lisaabramowicz1 Seemingly every story in equity & bond markets this week is triggering even long-term investors to question if they should act. @morganhousel said it best: 99% of good investing is doing nothing; the other 1% is how you behave when the world is going crazy"  
[X Link](https://x.com/Glen_NQDC/status/1909384267622211816)  2025-04-07T23:14Z [---] followers, [----] engagements


"@DadInvest Given the expertise youve developed as a financial & wealth pro what are your thoughts on ditching the big institution to set up on your own as a solo financial planner or at a small ensemble"  
[X Link](https://x.com/Glen_NQDC/status/1909413759048695831)  2025-04-08T01:11Z [---] followers, [---] engagements


"To each their own& if 100% equities works for you thats great. I value diversification because it allows different parts of the portfolio to perform well at different times. Many in the 100% equities camp highlight the S&P 500s incredible total return of over 800% since the financial crisisa remarkable stretch. Few seem to remember the Lost Decade from January [----] to December [----] when the S&P [---] delivered an annualized total return of -0.9%"  
[X Link](https://x.com/Glen_NQDC/status/1909422858365026689)  2025-04-08T01:47Z [---] followers, [--] engagements


"@zachmelloh26 100% In [--] years in capital markets have never seen anyonenot even the prosconsistently time market entry & exit. Getting both the buy & the sell right is incredibly tough. Better to stay invested & keep buying to average in over time"  
[X Link](https://x.com/Glen_NQDC/status/1909717321632907570)  2025-04-08T21:17Z [---] followers, [--] engagements


"@MeasureTwiceMNY @Mark_AFO If they were both top [---] stocks Id agree with Mark but in this case they are NOT substantially identical in substance at all VTI = [----] stocks (broad based) vs VOO = top [---] stocks (S&P 500) irrespective of correlation thats substantially different"  
[X Link](https://x.com/Glen_NQDC/status/1909720706184552889)  2025-04-08T21:31Z [---] followers, [---] engagements


"@AtlasWealthMgmt Love this take on the aftermath of Trumps moves. Also the market drop may have felt worse in real life than when you completed the risk questionnaire. Thats normaluse this moment to reassess your true risk tolerance & make sure your asset allocation still fit"  
[X Link](https://x.com/Glen_NQDC/status/1910277463004918249)  2025-04-10T10:23Z [---] followers, [--] engagements


"@MeasureTwiceMNY @UNTsocial Youre the master of sharing everything there is to learn about financial planning. Dont know how you get around it Cody but please keep the insights flowing"  
[X Link](https://x.com/Glen_NQDC/status/1910476561360306457)  2025-04-10T23:34Z [---] followers, [--] engagements


"@TheStalwart Maybe international diversification into non-US equities was a good idea after all"  
[X Link](https://x.com/Glen_NQDC/status/1910501050546593997)  2025-04-11T01:12Z [---] followers, [----] engagements


"@jnordvig Since [----] investors have largely ignored the diversification lesson below dismissing international exposure as purely theoretical while the S&P was the only game in town that delivered super normal returns"  
[X Link](https://x.com/Glen_NQDC/status/1910507114864275649)  2025-04-11T01:36Z [---] followers, [----] engagements


"3/ More flexibility on withdrawals Compared to a 401(k)/IRA NQDC plans can give more options for the timing & form of distributions Choose a retirement lump sum annual installments or even inservice pay while youre still employed Planning to withdraw before [--] No IRS penaltygreat for early retirement funding a spouses startup or any financial goal"  
[X Link](https://x.com/Glen_NQDC/status/1910738266925523221)  2025-04-11T16:54Z [---] followers, [---] engagements


"4/ Not protected by ERISA The main catch: NQDC plans are not ERISAprotected If your employer goes bankrupt your deferred comp is just unsecured debtand you could lose it all Always: - Check your employers creditworthiness - Limit your NQDC exposure relative to your total net worth *These posts are education not advice and only skim the surface of NQDCtheres more complexity and loads of landmines to navigate. Talk to a tax pro & a licensed financial adviser who knows your unique circumstances*"  
[X Link](https://x.com/Glen_NQDC/status/1910738580508450880)  2025-04-11T16:55Z [---] followers, [---] engagements


"@girdley Your fellow Texan the late great Herb Kelleher founder of Southwest Airlines had a legendary answer to journalists who asked how he coped with stress:"  
[X Link](https://x.com/Glen_NQDC/status/1910770106184892609)  2025-04-11T19:01Z [---] followers, [---] engagements


"💯 In my [--] years in capital markets with multi-hundred billion $ institutions Ive never seen anyonenot even the prosconsistently predict the economy or markets. Getting both the buy & the sell right is incredibly tough. Thats why we stay invested & keep buying to average in over time"  
[X Link](https://x.com/Glen_NQDC/status/1910788446785782012)  2025-04-11T20:14Z [---] followers, [--] engagements


"@BlakeTOliver Heck Id remove my CFA marks and change my entire name for a private equity exit check"  
[X Link](https://x.com/Glen_NQDC/status/1910813708948746734)  2025-04-11T21:54Z [---] followers, [--] engagements


"@Rick_Ferri 💯 [--] yrs in capital markets with multi-hundred billion $ institutions Ive never seen anyonenot even the prosconsistently predict the economy or markets. Never mistake conviction for accuracy. In this business its often an inverse signal"  
[X Link](https://x.com/Glen_NQDC/status/1910876153725800603)  2025-04-12T02:02Z [---] followers, [---] engagements


"@unusual_whales Active traders play a key role in capital markets but I tend to side with Warren Buffetts business partner Charlie Munger on what most of us should dohe called investing in index funds the logical thing to do for the average person"  
[X Link](https://x.com/Glen_NQDC/status/1911073911187333506)  2025-04-12T15:08Z [---] followers, [---] engagements


"@realEstateTrent Exactly. In my [--] years in capital markets with multi-hundred billion $ institutions Ive never seen anyonenot even the prosconsistently predict market movements like that"  
[X Link](https://x.com/Glen_NQDC/status/1911133108314726873)  2025-04-12T19:03Z [---] followers, [---] engagements


"@biancoresearch This story about US bonds this week deserves way more attention than the equity market volatility"  
[X Link](https://x.com/Glen_NQDC/status/1911134881947562095)  2025-04-12T19:10Z [---] followers, [----] engagements


"@MeasureTwiceMNY @SeanMoneyandTax Ive really enjoyed your podcasts & webinarsespecially hearing about all the times youve ditched off-the-shelf financial planning software to build your own spreadsheets & templates for advice-only planning both for your clients and your network of advisors"  
[X Link](https://x.com/Glen_NQDC/status/1911203873697706174)  2025-04-12T23:44Z [---] followers, [--] engagements


"@unusual_whales Funny enough youd probably be right to predict a recession every yearits part of the cycle. The trick isnt timing it its building a long-term portfolio that fits you and one you can actually hold through the ups & downs"  
[X Link](https://x.com/Glen_NQDC/status/1911407584403132483)  2025-04-13T13:14Z [---] followers, [----] engagements


"@Reno_239 @unusual_whales Exactly Use a fee-only financial advisor. Even better value: hire an advice-only financial planner"  
[X Link](https://x.com/Glen_NQDC/status/1911412564543537264)  2025-04-13T13:34Z [---] followers, [--] engagements


"@money_cruncher This kind of tax alpha is a prime reason to hire a fee-only financial plannerso much of the real value in planning happens outside of investment management"  
[X Link](https://x.com/Glen_NQDC/status/1911413469938590207)  2025-04-13T13:37Z [---] followers, [----] engagements


"@KobeissiLetter To avoid whiplash during these volatile times & conflicting tariff headlines focus on what you can controlyour savings rate asset allocation & staying disciplined through the noise"  
[X Link](https://x.com/Glen_NQDC/status/1911419281205571747)  2025-04-13T14:00Z [---] followers, [----] engagements


"@GuyTalksFinance Its not how much money you make but how much money you keep. Small expenses add up quickly. Skip the budgeting struggle & instead pay yourself 1st by automating your savings habit"  
[X Link](https://x.com/Glen_NQDC/status/1911465946473955454)  2025-04-13T17:06Z [---] followers, [--] engagements


"@zachmelloh26 Much-needed clarity here for those who fixate on dividends. Big fan of the total return mindsetthats what really matters"  
[X Link](https://x.com/Glen_NQDC/status/1911825212007497762)  2025-04-14T16:53Z [---] followers, [---] engagements


"@money_cruncher I invest in index ETFs for my own portfolio. Warren Buffetts long-time business partner Charlie Mungercalled investing index investing the logical thing to do for most folks & declared the fees charged by active managers to be adeep moral depravity"  
[X Link](https://x.com/Glen_NQDC/status/1911848216045502838)  2025-04-14T18:25Z [---] followers, [----] engagements


"@BrianFeroldi Exactly why I told my people in the aftermath of recent volatility to notice if the market drop felt worse in real life than when you completed the risk questionnaire. Thats normaluse this moment to reassess your true risk tolerance & make sure your asset allocation still fit"  
[X Link](https://x.com/Glen_NQDC/status/1911919544710332685)  2025-04-14T23:08Z [---] followers, [--] engagements


"Check out this weeks @MrFamilyOffice newsletterespecially the piece on portfolios evolving beyond the traditional 60/40 split. The primer on real assets like infrastructure commodities & farmland was spot-on & timely as inflation hedging is back on every investors radar Yesterday's Magnificent 7: most popular in yesterday's Family Office Buzz newsletter. multi-family offices liquidity events succession planning and more: [--] Imagine not working a day in your life but spending $80000 per month of money you didn't earn [--] UBS Family https://t.co/3mbaMpUD4w Yesterday's Magnificent 7: most popular"  
[X Link](https://x.com/Glen_NQDC/status/1912105088878866555)  2025-04-15T11:25Z [---] followers, [---] engagements


"@Rick_Ferri Unless the financial planner is highlighting the **overwhelming evidence** that index funds outperform most active managers theyre leaving out a critical part of the conversation"  
[X Link](https://x.com/Glen_NQDC/status/1912108176054366557)  2025-04-15T11:38Z [---] followers, [---] engagements


"@ramit Thats where real financial planning should come in"  
[X Link](https://x.com/Glen_NQDC/status/1912225890664067536)  2025-04-15T19:25Z [---] followers, [--] engagements


"@TKopelman For the busy executive or business owner who knows the highest & best use of their time hiring a financial planner is a power move"  
[X Link](https://x.com/Glen_NQDC/status/1912278062726590768)  2025-04-15T22:53Z [---] followers, [---] engagements


"The stock market ultimately bounces back [--] of the last [--] drops between [----] and [----] (when the S&P [---] dropped from its previous all-time high) saw it hit new highs within a year. Since [----] you couldve closed your eyes for a decade & opened them to find the S&P [---] higher than before. Resilience is its superpower"  
[X Link](https://x.com/Glen_NQDC/status/1912659653550387495)  2025-04-17T00:09Z [---] followers, [---] engagements


"@charliebilello The bond market including High Yield is often considered a better indicator of economic activity than the stock market because it directly reflects market expectations about interest rates and inflation which are key drivers of economic performance"  
[X Link](https://x.com/Glen_NQDC/status/1912662350135538156)  2025-04-17T00:20Z [---] followers, [---] engagements


"Private credit investors beware: according to the Wall Street Journal tech companies have become big borrowers via leveraged loans over the past decade. An uptick in tech defaults would foist losses on the private-credit funds which bought much of the debt. Just because private equity and private credit dont show exchange-traded volatility doesnt mean theyre immune to risk. Lack of price swings isnt the same as lack of exposure"  
[X Link](https://x.com/Glen_NQDC/status/1912680702295883983)  2025-04-17T01:33Z [---] followers, [---] engagements


"@unusual_whales Today Powell spooked the markets. Tomorrow it will be something else that either boosts or bruises stocks. Long-term investors should focus on what they can control"  
[X Link](https://x.com/Glen_NQDC/status/1912681559083081948)  2025-04-17T01:36Z [---] followers, [---] engagements


"@unusual_whales About heightened fear in the equity market @morganhousel said it best: Napoleon's definiton of a military genius was The man who can do the average thing when everyone else around him is losing his mind"  
[X Link](https://x.com/Glen_NQDC/status/1912870427862479310)  2025-04-17T14:07Z [---] followers, [---] engagements


"@themotleyfool In [--] years in capital markets Ive yet to see anyonepro or notconsistently nail both when to get in and when to get out. Timing the market is incredibly tough. Thats why we stay invested and keep buying using time and consistency to our advantage"  
[X Link](https://x.com/Glen_NQDC/status/1912873386608336991)  2025-04-17T14:18Z [---] followers, [---] engagements


"@FortWayneCPA Check out the Queenstown Trail & the Otago Rail Trail in New Zealands South Island. Youve never seen scenery anything like it except in The Lord of the Rings" (literally where they filmed)"  
[X Link](https://x.com/Glen_NQDC/status/1913034981284237796)  2025-04-18T01:00Z [---] followers, [---] engagements


"@TheTaxNomad @cordes_tax 💯Know the difference between tax prep & tax planning So many folks wrongly believe they are getting both"  
[X Link](https://x.com/Glen_NQDC/status/1913192984738156587)  2025-04-18T11:28Z [---] followers, [--] engagements


"@DeItaone The irony Lets hope the fate of capital markets doesnt depend on the Chinese Communist Party 😂"  
[X Link](https://x.com/Glen_NQDC/status/1913194762783367415)  2025-04-18T11:35Z [---] followers, [----] engagements


"@zachmelloh26 Love it. Youre a real financial planner - the value add goes way beyond investment management"  
[X Link](https://x.com/Glen_NQDC/status/1913308268308332722)  2025-04-18T19:06Z [---] followers, [--] engagements


"@money_cruncher Contributing to HSA is the ultimate win-win-win Contribute pre-tax enjoy tax-free growth and tax free withdrawals for healthcare expenses now & in the future. Let it compound for decades and it could help fund long-term care down the road"  
[X Link](https://x.com/Glen_NQDC/status/1913361847832453188)  2025-04-18T22:39Z [---] followers, [---] engagements


"@StockMKTNewz Some days its Navarro spooking marketsothers it will be a Powell Bessent or Trump statement that boosts or bruises stocks. Longterm investors should zoom out for this perspective:"  
[X Link](https://x.com/MrNQDC/status/1913553203070743028)  2025-04-19T11:20Z [----] followers, [----] engagements


"@TKopelman 🎯 Thats what sets apart a real financial planner vs most financial advisers: responsive & hyper focused on client needs"  
[X Link](https://x.com/Glen_NQDC/status/1913568883245551895)  2025-04-19T12:22Z [---] followers, [---] engagements


"@TKopelman Love it - real financial planning to leverage the multitude of tax & other opportunities for business owners & this list is just the beginning:"  
[X Link](https://x.com/Glen_NQDC/status/1913659115202634240)  2025-04-19T18:21Z [---] followers, [----] engagements


"@KobeissiLetter Whatever the short-term outlook for inflation or even stagflation long-term investing in growth assets is the best way to build wealth & outpace inflation. Warren Buffett said it best: The stock market is a device to transfer money from the impatient to the patient"  
[X Link](https://x.com/Glen_NQDC/status/1913663348521984254)  2025-04-19T18:37Z [---] followers, [---] engagements


"@TKopelman This is Exhibit A on how real financial planning for business owners goes way beyond portfolio management"  
[X Link](https://x.com/Glen_NQDC/status/1913946876161782237)  2025-04-20T13:24Z [---] followers, [---] engagements


"@ankurnagpal 🎯 Most people dont realize that #2 is a thing because of the hidden markups when you accept ATM or credit card currency conversions while traveling overseas. By declining the currency conversion youll typically get a better rate & avoid extra fees"  
[X Link](https://x.com/Glen_NQDC/status/1913965810202091989)  2025-04-20T14:39Z [---] followers, [---] engagements


"@jennyrozelle Heres our actual Easter egg hunt from just a few hours ago. Also in my office theres a hard copyand a digital version on Google Driveof a 3-page list covering every asset liability insurance policy bill to pay & bill to cancel + letter of instruction. Happy Easter 🐰"  
[X Link](https://x.com/Glen_NQDC/status/1914107670962876911)  2025-04-21T00:03Z [---] followers, [---] engagements


"@money_cruncher Yesstay investedand focus on what you can control After the markets tariff tantrum the drop may have felt worse than your risk questionnaire suggested. Thats totally normal. Use this as a chance to reassess your true risk tolerance & ensure your asset allocation still fits"  
[X Link](https://x.com/Glen_NQDC/status/1914108817748480293)  2025-04-21T00:07Z [---] followers, [---] engagements


"@TheStalwart Rising long-term bond yields (the risk free rate no less 👀) are a much bigger story than the declining equity market"  
[X Link](https://x.com/Glen_NQDC/status/1914398178566398088)  2025-04-21T19:17Z [---] followers, [----] engagements


"@KobeissiLetter Rising long-term bond yields (the risk free rate no less 👀) are a much bigger story than the declining equity market"  
[X Link](https://x.com/Glen_NQDC/status/1914411539622174912)  2025-04-21T20:10Z [---] followers, [---] engagements


"@TKopelman That makes sense. I tapped a HELOC on another property at a hefty 8.2% to finance part of the homeno brainer to pay that down as theres no alternative investment offering an expected riskfree return which is that high even accounting for itemized tax deduction"  
[X Link](https://x.com/Glen_NQDC/status/1914665015988179267)  2025-04-22T12:58Z [---] followers, [---] engagements


"@unusual_whales Heres the best strategy for long-term investors to avoid being whipsawed by conflicting Trump-Bessent-Powell headlines:"  
[X Link](https://x.com/Glen_NQDC/status/1914811850748723589)  2025-04-22T22:41Z [---] followers, [----] engagements


"@zachmelloh26 Shhhover 95% of financial advisers push annuities & permanent life insurance at that first meeting Youre one of the rare advisers doing real financial planningfocused on your clients needs not chasing fat commissions"  
[X Link](https://x.com/Glen_NQDC/status/1914818856515743801)  2025-04-22T23:09Z [---] followers, [---] engagements


"@money_cruncher In a world where many 65-year-olds will live past [--] delaying Social Security to age [--] is a smart hedge against longevity riskand hands down the best value lifetime annuity out there"  
[X Link](https://x.com/Glen_NQDC/status/1914821701889634394)  2025-04-22T23:20Z [---] followers, [----] engagements


"Im all for enjoying life and retiring in your 60sspend down your nest egg so you can delay Social Security to 70its hands down the best annuity for mitigating longevity risk. Personally I cant think of anything worse than outliving savings in my most vulnerable elderly years if I happen to hit a run of unusually bad market returns"  
[X Link](https://x.com/Glen_NQDC/status/1914842401807519915)  2025-04-23T00:42Z [---] followers, [--] engagements


"@DeItaone Volatility of the risk free bond market yield should be a bigger story than the equity market"  
[X Link](https://x.com/Glen_NQDC/status/1915034774885855618)  2025-04-23T13:27Z [---] followers, [---] engagements


"@themotleyfool Social Security is the OG lifetime annuitycheapest US-guaranteed & inflation-protected. Instead of buying a private annuity just wait to claim at [--]. You wont find a better deal"  
[X Link](https://x.com/Glen_NQDC/status/1915045105469395393)  2025-04-23T14:08Z [---] followers, [---] engagements


"@MeasureTwiceMNY Another reminder to avoid one-size-fits-all rules of thumb like its not worth the higher mortgage ratewhats right for you depends entirely on your personal circumstances"  
[X Link](https://x.com/Glen_NQDC/status/1915078637591634219)  2025-04-23T16:21Z [---] followers, [---] engagements


"@SpencerHakimian [--] yrs in capital markets working at multi-hundred billion dollar institutions Ive never seen anyonenot even the prosconsistently call the economy or markets Never mistake conviction for accuracy In this business its often a reverse indicator"  
[X Link](https://x.com/Glen_NQDC/status/1915376592022315112)  2025-04-24T12:05Z [---] followers, [---] engagements


"@wallstengine Long-term investors who have an asset allocation thats right for them wont need to pray"  
[X Link](https://x.com/Glen_NQDC/status/1915397427978190918)  2025-04-24T13:28Z [---] followers, [--] engagements


"@MarkCCrowley A dinosaur mindset that insists on in-office attendance leaves mega-corporations vulnerable as modern competitors use flexible work-from-home options to attract top talent"  
[X Link](https://x.com/Glen_NQDC/status/1915542132279910404)  2025-04-24T23:03Z [---] followers, [--] engagements


"@TheStalwart I voted but lets not fool ourselves: in [--] yrs in capital markets Ive never seen anyone reliably predict the marketnot even the pros Conviction is often an inverse signal"  
[X Link](https://x.com/Glen_NQDC/status/1915772815745146944)  2025-04-25T14:20Z [---] followers, [----] engagements


"@TKopelman @benjamindlake Wow thats a power move for the ultra-wealthy: using direct indexing to harvest tax losses & holding the assets until death so the heirs get a step-up in basis & avoid capital gains entirely"  
[X Link](https://x.com/Glen_NQDC/status/1915782666839880166)  2025-04-25T14:59Z [---] followers, [---] engagements


"@biancoresearch What % of Berkshire Hathaways holdings does that represent"  
[X Link](https://x.com/Glen_NQDC/status/1915784201695056320)  2025-04-25T15:05Z [---] followers, [---] engagements


"@TKopelman Thats the difference between a true financial planner like you and the social media influencers just pretending to know what theyre talking about"  
[X Link](https://x.com/Glen_NQDC/status/1916119592654565798)  2025-04-26T13:18Z [---] followers, [---] engagements


"@MarkCCrowley I agree that the move fast and break things approach make work in startups but not so much in government. To what extend do you believe the waste fraud and abuse is overstated by Musk & the DOGE gang"  
[X Link](https://x.com/Glen_NQDC/status/1916149580200050997)  2025-04-26T15:17Z [---] followers, [--] engagements


"@TKopelman Tax diversification is a power flex"  
[X Link](https://x.com/Glen_NQDC/status/1916162562028196183)  2025-04-26T16:08Z [---] followers, [--] engagements


"@ryanOpulus Exactly. These products arent bad in themselvesif they come out of a real financial planning process tailored to your needs But heres the rule: if whole life insurance or annuity comes up in the first meeting with a financial professional run dont walk"  
[X Link](https://x.com/Glen_NQDC/status/1916190078705057956)  2025-04-26T17:58Z [---] followers, [--] engagements


"@JonLuskin @TKopelman Absolutely Jon. Figure out the amount thats right for you then set it and forget it. Other than investments and insurance premiums what else do you automate"  
[X Link](https://x.com/Glen_NQDC/status/1916227756771115174)  2025-04-26T20:27Z [---] followers, [--] engagements


"@KobeissiLetter The bond market is a bigger story than the equity market"  
[X Link](https://x.com/Glen_NQDC/status/1916261579537973492)  2025-04-26T22:42Z [---] followers, [----] engagements


"@ehelpmann @KobeissiLetter Agree. And weve seen wild things like the safe haven US Treasury bond yields go up during risk off moments"  
[X Link](https://x.com/Glen_NQDC/status/1916456222611456471)  2025-04-27T11:35Z [---] followers, [--] engagements


"@TheTaxNomad Tax planning is where the real alpha is If I had a dollar for every person who told me I have an accountant who does my tax planning when that tax pro barely has time to do their tax prep"  
[X Link](https://x.com/Glen_NQDC/status/1918351055181451551)  2025-05-02T17:05Z [---] followers, [--] engagements


"@unusual_whales [--] years in capital markets at multi-hundred billion dollar firms I can tell you: no one not even the experts consistently predicts the economy or markets Conviction accuracy In this industry its often an inverse indicator"  
[X Link](https://x.com/Glen_NQDC/status/1918640469673758906)  2025-05-03T12:15Z [---] followers, [---] engagements


"@TKopelman Even if youre financially savvy its hard to step back with an unbiased lens on your own situation Speak with a real financial planner like Thomas"  
[X Link](https://x.com/Glen_NQDC/status/1918642202504315293)  2025-05-03T12:22Z [---] followers, [---] engagements


"@ryanOpulus Seriously impressed with the easy to understand yet level of detail in your post A [--] or 4% mortgage rate is hard (but not impossible) to justify paying off You covered the spectrum of rate possibilities & how to think about it"  
[X Link](https://x.com/Glen_NQDC/status/1918642574719397923)  2025-05-03T12:23Z [---] followers, [--] engagements


"And its notable that his safe haven asset of choice is US Treasuries not Bitcoin Warren Buffett said it best: If you told me you own all of the crypto in the world and you offered it to me for $25 I wouldn't take it because what would I do with it. I'd have to sell it back to you one way or another. It isn't going to do anything"  
[X Link](https://x.com/Glen_NQDC/status/1918644126813225248)  2025-05-03T12:29Z [---] followers, [----] engagements


"Every time you pass one of those flashy injury attorney ads remember the value of your umbrella insurance These lawsuits often target high earners and individuals with substantial assetspeople like you & me Dont become the next target of the injury attorney industry protect yourself before youre in their sights"  
[X Link](https://x.com/Glen_NQDC/status/1918655074634441007)  2025-05-03T13:13Z [---] followers, [---] engagements


"Warren Buffetts safe haven investment of choice is US Treasuries not gold Buffett said it best: The idea of digging something up out of the ground in South Africa or someplace and then transporting it to the United States and putting it into the ground in the Federal Reserve of New York does not strike me as a terrific asset"  
[X Link](https://x.com/Glen_NQDC/status/1918655304545251588)  2025-05-03T13:14Z [---] followers, [---] engagements


"@DeItaone Warren Buffett is the walking talking embodiment of patient capital Heres how he described investing in equities: A device to transfer money from the impatient to the patient"  
[X Link](https://x.com/Glen_NQDC/status/1918666032249491713)  2025-05-03T13:56Z [---] followers, [----] engagements


"Hardly a crash when it has since recovered Warren Buffetts right hand man Charlie Munger said it best when it comes to stock market crashes: If you're not willing to react with equanimity to a market price decline of 50% [--] or [--] times a century you're not fit to be a common shareholder & you deserve the mediocre result youre going to get"  
[X Link](https://x.com/Glen_NQDC/status/1918667057102483946)  2025-05-03T14:00Z [---] followers, [---] engagements


"@TKopelman Everybody is their own conflicted and biased adviser Get an independent perspective from a real financial planner like Thomas"  
[X Link](https://x.com/Glen_NQDC/status/1918704602398048275)  2025-05-03T16:29Z [---] followers, [--] engagements


"Thats what he says about DOGE We already know what Warren Buffett thinks of Dogecoin: If you told me you own all of the crypto in the world and you offered it to me for $25 I wouldn't take it because what would I do with it. I'd have to sell it back to you one way or another. It isn't going to do anything"  
[X Link](https://x.com/Glen_NQDC/status/1918720284426961105)  2025-05-03T17:32Z [---] followers, [----] engagements


"@GuyTalksFinance Not gonna happen Warren Buffett on gold: The idea of digging something out of the ground in South Africa or someplace and then transporting it to the United States and putting it into the ground in the Federal Reserve of New York does not strike me as a terrific asset"  
[X Link](https://x.com/Glen_NQDC/status/1918765519982707095)  2025-05-03T20:32Z [---] followers, [---] engagements


"@dividendology Heres one my favorite quotes from Warren Buffett: A rising tide floats all boats. Only when the tide goes out do you discover who's been swimming naked"  
[X Link](https://x.com/Glen_NQDC/status/1918771186789421343)  2025-05-03T20:54Z [---] followers, [---] engagements


"@MikePolicarNGP Oh yeah and to get that employer match - he knows theres no other investment that comes close to a 100% guaranteed upfront return"  
[X Link](https://x.com/Glen_NQDC/status/1918771527228461186)  2025-05-03T20:55Z [---] followers, [--] engagements


"Pro tip: LTC costs & LTC insurance premiums may be deductible if unreimbursed medical expenses 7.5% of AGIso maybe dont convert your entire pre-tax retirement funds to Roth or youll miss out on that tax deduction Also LTC is a valid reason to fund an HSA since funds can be used tax-free for qualified expenses including LTC LTC is extremely expensive.you need to either self-fund or qualify for Medicaid For those in between options include LTC insurance or a hybrid whole life policy with a LTC rider"  
[X Link](https://x.com/Glen_NQDC/status/1919001757193023565)  2025-05-04T12:10Z [---] followers, [---] engagements


"@ryanOpulus A daily reminder that financial planning necessarily involves tax planning If your advisor is not talking with you about tax strategies you dont have a financial advisor you only have an investment manager Tax offers some of the biggest alpha"  
[X Link](https://x.com/Glen_NQDC/status/1919003210330575114)  2025-05-04T12:16Z [---] followers, [---] engagements


"@GuyTalksFinance Strictly speaking ROI may favor alternative investments over a home But for most a mortgage acts as built-in disciplineturning housing costs into forced savings that build wealth over time"  
[X Link](https://x.com/Glen_NQDC/status/1919006502129447398)  2025-05-04T12:29Z [---] followers, [---] engagements


"Forget MBAsthe new billionaire track is becoming a private credit exec How many W-2s on this billionaire list got there without ever launching their own business How many MBAs in this list: https://t.co/9b5qf0elcY How many MBAs in this list: https://t.co/9b5qf0elcY"  
[X Link](https://x.com/Glen_NQDC/status/1919008601110159576)  2025-05-04T12:37Z [---] followers, [----] engagements


"Source: Bloomberg Markets Magazine The Big Take Wall Street's New Money Is Shaking Up the Ranks of the Superwealth Worth $61 billion the private credit titans made their fortunes in a once obscure corner of finance"  
[X Link](https://x.com/Glen_NQDC/status/1919009528412000693)  2025-05-04T12:41Z [---] followers, [---] engagements


"Its not what you make but how much you keep Automate your saving to invest your pay check before you get a chance to spend Invest in equities for long-term growth & to outpace inflation To quote the man of the hour Warren Buffett said it best: The stock market is a device to transfer money from the impatient to the patient"  
[X Link](https://x.com/Glen_NQDC/status/1919010843762504044)  2025-05-04T12:46Z [---] followers, [---] engagements


"@olsonplanner The man of the moment nailed it on the power of saving and investing for your future self: Someone's sitting in the shade today because someone planted a tree a long time ago - Warren Buffett"  
[X Link](https://x.com/Glen_NQDC/status/1919012094113894717)  2025-05-04T12:51Z [---] followers, [--] engagements


"@TKopelman Love it lots of tax alpha & other sources of value-add that goes beyond capital allocation So much alpha in real financial planning is outside the investment space"  
[X Link](https://x.com/Glen_NQDC/status/1919014523836530984)  2025-05-04T13:01Z [---] followers, [--] engagements


"The only worthwhile part of the paper is the honest admission that adviser alpha is virtually impossible to quantify Dont waste time trying to slap a $ figure on financial plannings value Focus on showing people how you solve their problemsand let them **feel** the value of your work"  
[X Link](https://x.com/Glen_NQDC/status/1919016455397339454)  2025-05-04T13:09Z [---] followers, [---] engagements


"@biancoresearch Shadow banker vs bond market vigilantes Choose your fighter"  
[X Link](https://x.com/Glen_NQDC/status/1919027098712228276)  2025-05-04T13:51Z [---] followers, [---] engagements


"@FortWayneCPA Funny enough youd probably be right to predict a recession every yearits part of the cycle The trick isnt timing it - even the pros have a terrible record at that - its being prepared to survive when an economic downturn hits"  
[X Link](https://x.com/Glen_NQDC/status/1919126516278993146)  2025-05-04T20:26Z [---] followers, [---] engagements


"@FortWayneCPA A hill Ill die on: at least contributing enough to 401(k) to get the full match is an unbeatable investment immediate 100% ROI .literally dollar-for-dollar That even beats paying off high-interest debt"  
[X Link](https://x.com/Glen_NQDC/status/1919137901771645249)  2025-05-04T21:11Z [---] followers, [---] engagements


"What do gold advocates say about Warren Buffetts comments on their prized asset The idea of digging something out of the ground in South Africa or someplace and then transporting it to the United States an putting it into the ground in the Federal Reserve of New York does not strike me as a terrific asset"  
[X Link](https://x.com/Glen_NQDC/status/1919368123834085650)  2025-05-05T12:26Z [---] followers, [---] engagements


"@Rick_Ferri @AswathDamodaran One of the greatest active managers of all time Charlie Munger - Warren Buffetts business partner - called investing in index funds the logical thing to do for most folks and the fees charged by active managers to be a deep moral depravity"  
[X Link](https://x.com/Glen_NQDC/status/1919369705980064183)  2025-05-05T12:32Z [---] followers, [----] engagements


"@gedbrochill @DeItaone Isnt that the point His safe haven asset is to trust good old US Treasuries not the shiny metal"  
[X Link](https://x.com/Glen_NQDC/status/1919371382946709573)  2025-05-05T12:39Z [---] followers, [--] engagements


"Charlie Munger business partner of Warren Buffett had a famously multidisciplinary approachdrawing from his self-taught study of fields as diverse as architecture psychology mathematics physics and law to solve and invert problems If you skillfully follow the multidisciplinary path you will never wish to come back. It would be like cutting off your hands - Charlie Munger"  
[X Link](https://x.com/Glen_NQDC/status/1919380990411035098)  2025-05-05T13:17Z [---] followers, [--] engagements


"@ChadGreenblatt @MrFamilyOffice If equity market returns turn out poorly .say 5% over a [--] yr horizon on equities wouldnt a 1% AUM fee (the standard for most that Ive seen) chew up at least 20% of your growth"  
[X Link](https://x.com/Glen_NQDC/status/1919401768007479589)  2025-05-05T14:40Z [---] followers, [---] engagements


"Even after the massive fees Private equity & venture capital fees are even higher - theyre the king of the kingdom on fees and charges And if public and private company is both participating in the same economy why would we reasonably expect a higher return unless theyre just doing that via higher risk and leverage"  
[X Link](https://x.com/Glen_NQDC/status/1919402378983268787)  2025-05-05T14:42Z [---] followers, [---] engagements


"I appreciate the response Bryan It was Warren Buffett who said: "If returns are going to be [--] or [--] percent and you're paying [--] percent for fees that makes an enormous difference in how much money you're going to have in retirement Doesnt your comment that finding a discount advisor for $35 million is a mistake imply that high quality advice is only available from AUM charging advisers& that advisers charging retainer fees all give low quality advice Whats the evidence for that"  
[X Link](https://x.com/Glen_NQDC/status/1919405624741257680)  2025-05-05T14:55Z [---] followers, [---] engagements


"@pointsnfigures1 @MrFamilyOffice @CliffordAsness Thats a fair bet to dabble with privates as a satellite holding And good call on paging Cliff. Just please dont trigger my favorite fund manager with any mention of #VolatilityLaundering 😆"  
[X Link](https://x.com/Glen_NQDC/status/1919438613596565517)  2025-05-05T17:06Z [---] followers, [--] engagements


"@pointsnfigures1 @MrFamilyOffice @usv Still think the surer path to riches is to become a private equity GP and charge those outlandish fees but a small holding in an IRA can give you some tax efficient optionality"  
[X Link](https://x.com/Glen_NQDC/status/1919439474318045471)  2025-05-05T17:10Z [---] followers, [--] engagements


"@pointsnfigures1 @MrFamilyOffice Heres another on topic"  
[X Link](https://x.com/Glen_NQDC/status/1919444721501364247)  2025-05-05T17:30Z [---] followers, [--] engagements


"@pointsnfigures1 @MrFamilyOffice Ha a very low cost fund manager"  
[X Link](https://x.com/Glen_NQDC/status/1919445342619070895)  2025-05-05T17:33Z [---] followers, [--] engagements


"@thexcapitalist What do gold investors have to say about Warren Buffetts view of their so-called precious metal"  
[X Link](https://x.com/Glen_NQDC/status/1919446383993499972)  2025-05-05T17:37Z [---] followers, [---] engagements


"@MeasureTwiceMNY Isnt the CFP credential the professional gold standard for the minimum education and experience necessary to do real financial planning"  
[X Link](https://x.com/Glen_NQDC/status/1919448437088497881)  2025-05-05T17:45Z [---] followers, [---] engagements


"@GuyTalksFinance Warren Buffetts business partner Charlie Munger called investing in index funds the logical thing to do for most folks & declared the fees charged by active managers a deep moral depravity"  
[X Link](https://x.com/Glen_NQDC/status/1919498723740074322)  2025-05-05T21:05Z [---] followers, [---] engagements


"@WCInvestor 💯 Its not how much you makeits how much you keep. Many high earners lack financial security because they spend most of their income Automate your regular saving & investing habits so that it transfers to your 401k IRA NQDC or brokerage before you get the chance to spend it"  
[X Link](https://x.com/Glen_NQDC/status/1919522907899695433)  2025-05-05T22:41Z [---] followers, [---] engagements


"@Yield_Finder @money_cruncher Im with you on the Treasury Direct UI being the worse But $25K a year for a couple can add up How many other chances do you get for tax deferral & inflation hedging"  
[X Link](https://x.com/Glen_NQDC/status/1919546771799195834)  2025-05-06T00:16Z [----] followers, [---] engagements


"@Khanfuzed1 @money_cruncher I I agree that better returns have been available elsewhere but isnt that the nature of diversification where not all of your assets are firing at the same time"  
[X Link](https://x.com/Glen_NQDC/status/1919573416039862668)  2025-05-06T02:02Z [---] followers, [---] engagements


"@BillyCuth @Yield_Finder @money_cruncher Stocks as an alternative to cash"  
[X Link](https://x.com/Glen_NQDC/status/1919728174029476259)  2025-05-06T12:17Z [---] followers, [--] engagements

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