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

Mr NQDC posts on X about insurance, financial planner, money, if you 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 [------] +568%
- [--] Month [-------] +58%
- [--] Months [-------] +57%
- [--] Year [---------] +113,375%

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

- [--] Week [---] +42%
- [--] Month [---] -11%
- [--] Months [-----] +102%
- [--] Year [-----] +23,082%

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

- [--] Week [-----] +2.80%
- [--] Month [-----] +4.40%
- [--] Months [-----] +69%
- [--] Year [-----] +1,217%

### 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)  73.01% [countries](/list/countries)  1.23% [financial services](/list/financial-services)  0.61% [travel destinations](/list/travel-destinations)  0.61%

**Social topic influence**
[insurance](/topic/insurance) #227, [financial planner](/topic/financial-planner) #96, [money](/topic/money) 5.52%, [if you](/topic/if-you) 4.91%, [comp](/topic/comp) #842, [investment](/topic/investment) 4.29%, [life insurance](/topic/life-insurance) #15, [retirement](/topic/retirement) 3.68%, [private equity](/topic/private-equity) #200, [in the](/topic/in-the) 3.07%

**Top accounts mentioned or mentioned by**
[@themattviera](/creator/undefined) [@jakeoliver](/creator/undefined) [@revgroupllc](/creator/undefined) [@smbattorney](/creator/undefined) [@126613lbsub](/creator/undefined) [@jonluskin](/creator/undefined) [@ryanhaiss](/creator/undefined) [@lifetimeip](/creator/undefined) [@jrdnmcfarland](/creator/undefined) [@jennyrozelle](/creator/undefined) [@mitchdmoore](/creator/undefined) [@realmarkwygant](/creator/undefined) [@darrelltalksfi](/creator/undefined) [@nathanielsford](/creator/undefined) [@jjsfinclub](/creator/undefined) [@cpataxteam](/creator/undefined) [@cstudemeyer](/creator/undefined) [@husmanbits](/creator/undefined) [@timberhp](/creator/undefined) [@sguyuknow](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Paying high taxes isnt the price of success Overpaying is optional [--] steps Im using to pay less tax in [----] Paying high taxes isnt the price of success Overpaying is optional [--] steps Im using to pay less tax in 2026"  
[X Link](https://x.com/anyuser/status/2020912954028265750)  2026-02-09T17:29Z [----] followers, [---] engagements


"Trump accounts are great for investing $5K/year per kid But guess which massive tax break survived the new tax bill High earners can shift income out of this year's tax bill under Section 409A of the Tax Code Cut taxes Even get a company match Ask HR about a deferred comp plan Still approved by Congress Still the C-Suite cheat code https://twitter.com/i/web/status/2021232193914204229 https://twitter.com/i/web/status/2021232193914204229"  
[X Link](https://x.com/MrNQDC/status/2021232193914204229)  2026-02-10T14:38Z [----] followers, 10.2K engagements


"Think youre being a team player with 10% of your wealth in employer stock + deferred comp Thats not loyalty Thats double jeopardy Your paycheck and portfolio both rely on the same company staying afloat One bad quarter and youre trapped in the same car"  
[X Link](https://x.com/MrNQDC/status/1993337098414211445)  2025-11-25T15:12Z [----] followers, [---] engagements


"I used to think deferred comp was a scam then I saw the tax math Taxed like a 401k But no IRS limit on pre-tax contributions A high earner can: avoid 35% or 37% marginal tax withdraw at 20% effective tax in retirement Huge savings The catch Its a company IOU youre an unsecured creditor if the employer goes under That could be OK at a Fortune [---] Not so much at a startup https://twitter.com/i/web/status/2017661749688754406 https://twitter.com/i/web/status/2017661749688754406"  
[X Link](https://x.com/MrNQDC/status/2017661749688754406)  2026-01-31T18:10Z [----] followers, [---] engagements


"An exec was kicking himself for selling the wrong tax lot of employer stock I told him to relax he made the right mistake Missing tax alpha stings But its not fatal Over-concentration in employer stock can be catastrophic The stock of even great companies can drop 6080% overnight Eliminating single-stock risk perfect tax optimization Too many execs do nothing Thats the real mistake https://twitter.com/i/web/status/2018087421976457500 https://twitter.com/i/web/status/2018087421976457500"  
[X Link](https://x.com/MrNQDC/status/2018087421976457500)  2026-02-01T22:21Z [----] followers, [----] engagements


"@ankurnagpal A lifetime of tax free is attractive in the right circumstances And its actually longer than a lifetime After you pass your heirs can compound an inherited Roth for a further [--] yrs before they have to withdraw Tax planning is at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2019152323545874755)  2026-02-04T20:53Z [----] followers, [---] engagements


"@taylorturneriv And RE pros need a financial planner who specializes in RE pros to integrate all of the financial & legal pros in their life"  
[X Link](https://x.com/MrNQDC/status/2019178468739625221)  2026-02-04T22:37Z [----] followers, [--] engagements


"@BrianFeroldi @visualizevalue And again if you let your emotions take over your strategy:"  
[X Link](https://x.com/MrNQDC/status/2019387325285826794)  2026-02-05T12:27Z [----] followers, [--] engagements


"@JonLuskin Diversification -- never make a killing -- never get killed"  
[X Link](https://x.com/MrNQDC/status/2019530732952297814)  2026-02-05T21:57Z [----] followers, [--] engagements


"@Invested_In_You US equities arent always king No asset class is International equities often zig when the S&P zags Thats diversification"  
[X Link](https://x.com/MrNQDC/status/2019534389420700078)  2026-02-05T22:11Z [----] followers, [---] engagements


"Confessions of a former asset gatherer: Ever notice financial advisors who love saying     are often the same advisors charging an uncapped 1% of your assets🤔 They tell you to skip employer deferred comp or 401k so they can manage the money instead Why Deferred comp & 401(k) = less to the IRS Uncapped AUM fees = more to the advisor Incentives drive behavior Thats why Im bullish on hourly and flat-fee planners"  
[X Link](https://x.com/MrNQDC/status/2019542201231958454)  2026-02-05T22:42Z [----] followers, [----] engagements


"@realMarkWygant Love these perspectives - and its terrific to see you offer choice of fee model. 💯 agree with your points but doesnt the incentive to build assets create a potentially big conflict of interest"  
[X Link](https://x.com/MrNQDC/status/2019711048392245693)  2026-02-06T09:53Z [----] followers, [---] engagements


"@RevGroupLLC What is short sighted about the take on deferred comp Curious to hear Ryan Deferred comp is *never* a valid tax strategy Thats interesting 🤔"  
[X Link](https://x.com/MrNQDC/status/2019817200752930913)  2026-02-06T16:55Z [----] followers, [---] engagements


"@wealthMAinsider Sounds like youre crushing it with your deal flow"  
[X Link](https://x.com/MrNQDC/status/2019819645826666824)  2026-02-06T17:05Z [----] followers, [--] engagements


"$19K per person per child $38K per child for a married couple Check if you can get a state tax deduction Funds now cover more than college including trade school And after [--] years $35K can roll into a Roth"  
[X Link](https://x.com/MrNQDC/status/2019819988903735482)  2026-02-06T17:06Z [----] followers, [--] engagements


"4  - Bank interest gets crushed by taxes At a 40% tax rate: 4% interest 2.5% after tax Municipal bond funds fix that interest the IRS doesnt touch"  
[X Link](https://x.com/MrNQDC/status/2019819991160205417)  2026-02-06T17:06Z [----] followers, [--] engagements


"I use low-cost Vanguard muni funds If youre in a high-tax state like NY or CA they even have state-specific funds Result: zero federal state and local tax on interest"  
[X Link](https://x.com/MrNQDC/status/2019819993651708251)  2026-02-06T17:06Z [----] followers, [--] engagements


"-  No state or local tax Federal tax deferred Current rate 4.03% 0.9% above inflation"  
[X Link](https://x.com/MrNQDC/status/2019819999309832327)  2026-02-06T17:06Z [----] followers, [--] engagements


"You choose to pay tax like a low-income year between jobs or retirement Limit: $10K per person per year My wife and I invest $20K annually"  
[X Link](https://x.com/MrNQDC/status/2019820001868345633)  2026-02-06T17:06Z [----] followers, [--] engagements


"@Jake___Oliver @TimberHP I have no idea but I bet youre saving a ton of money by DIY repairing and investing in your house"  
[X Link](https://x.com/MrNQDC/status/2019820015680413923)  2026-02-06T17:06Z [----] followers, [--] engagements


"@RyanHaiss 💯 Reverse budgeting = what you dont see you cant spend Automate regular saving & investing"  
[X Link](https://x.com/MrNQDC/status/2019820446137675839)  2026-02-06T17:08Z [----] followers, [--] engagements


"@StocksWithWings I agree with you Ryan Clients should definitely use a financial planner How about one of the new breed of planners who charges hourly or fixed fees"  
[X Link](https://x.com/MrNQDC/status/2019908845007499535)  2026-02-06T22:59Z [----] followers, [--] engagements


"@Benagbayani @Jake___Oliver @TimberHP BB it is cruel to trigger me in this way on personal finance My wife just completed boujee renovation and restyling of our dining room OMG . I thought it would be under $10K .until it started 🫣 🫣 🫣"  
[X Link](https://x.com/MrNQDC/status/2020110026258387198)  2026-02-07T12:18Z [----] followers, [--] engagements


"OMG say that louder TTL Some of the smartest financiers I know are proudly doing Roth 401k instead of pre-tax 401k "because tax rates are going up" . unless you have a ridiculous amount of capital the chances are your income and tax rate will drop when you stop working/retire and no longer have earned income https://twitter.com/i/web/status/2020111126676041961 https://twitter.com/i/web/status/2020111126676041961"  
[X Link](https://x.com/MrNQDC/status/2020111126676041961)  2026-02-07T12:23Z [----] followers, [--] engagements


"@Jake___Oliver @Benagbayani @TimberHP Wow thats the ultimate DIY"  
[X Link](https://x.com/MrNQDC/status/2020127717610422637)  2026-02-07T13:29Z [----] followers, [--] engagements


"My own favorite on complexity for UNHW clients (and I say this as somebody who has spent my whole career working with multi billion dollar clients) is how advisors justify the complexity of adding private assets and exotic investments as needed when youre rich Thats the biggest con https://twitter.com/i/web/status/2020128676151521737 https://twitter.com/i/web/status/2020128676151521737"  
[X Link](https://x.com/MrNQDC/status/2020128676151521737)  2026-02-07T13:33Z [----] followers, [--] engagements


"@SguyUknow Love hourly fees as the ultimate value And tax planning is where the real alpha is Whats your line of work and backstory experience with or in the financial planning industry"  
[X Link](https://x.com/MrNQDC/status/2020129389380350225)  2026-02-07T13:35Z [----] followers, [--] engagements


"@nathanielsford 💯what type of fee structure do you use in your practice and why"  
[X Link](https://x.com/MrNQDC/status/2020134310662001088)  2026-02-07T13:55Z [----] followers, [--] engagements


"@MarketPalmer_ Happy Birthday MP You're one of my favorite and most thoughtful connections on here Love your shout out to the underrated and under-thanked heroes of of our society 🙏🙏🙏"  
[X Link](https://x.com/MrNQDC/status/2020135117788766411)  2026-02-07T13:58Z [----] followers, [--] engagements


"@FranWalsh73 Ever notice that even the savviest DIY'ers have blindspots Often in areas of catastrophic risk like under-insured or big holes in estate planning And the really smart ones learn the value of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2020135984772337669)  2026-02-07T14:02Z [----] followers, [--] engagements


"@nathanielsford Love this We really are fellow travelers And you're bringing the superpower intersection of therapy and financial planning 💪💪💪"  
[X Link](https://x.com/MrNQDC/status/2020136423861403775)  2026-02-07T14:03Z [----] followers, [--] engagements


"@JonLuskin Jon Luskin's "Financial Advisors Template" is a power tool for real financial planners"  
[X Link](https://x.com/MrNQDC/status/2020154651866276101)  2026-02-07T15:16Z [----] followers, [--] engagements


"Youll create a tax bomb if you defer income the most expensive bad take in tax planning Peak earners pay 3537% today Step away get laid off or retire $200K income 22% Rule #1 of tax planning: Pay tax when your rate is lowest Deferred comp isnt a bomb Its choosing when & how much the IRS gets paid @MrNQDC It compounds at ordinary income. Not a tax valid tax strategy. It grows a tax monster. @MrNQDC It compounds at ordinary income. Not a tax valid tax strategy. It grows a tax monster"  
[X Link](https://x.com/MrNQDC/status/2020165141879279796)  2026-02-07T15:57Z [----] followers, [----] engagements


"Big assumption there top earners are not living on half their wages Back to the nub of the question: you honestly see people making $700K / year salary and bonus making that sort of income from their portfolio in early retirement If not theres a tax planning opportunity for income deferral"  
[X Link](https://x.com/MrNQDC/status/2020211152509079865)  2026-02-07T19:00Z [----] followers, [--] engagements


"@JrdnMcFarland These are all solid tax planning strategies Different approaches suit W-2 earners and business owners 💪🏻"  
[X Link](https://x.com/MrNQDC/status/2020245783585649104)  2026-02-07T21:18Z [----] followers, [--] engagements


"@TheMattViera Thats it Matt - tax planning is at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2020294743352090775)  2026-02-08T00:32Z [----] followers, [--] engagements


"@Jake___Oliver Thats it Jake Concentration can kill especially if its where you work"  
[X Link](https://x.com/MrNQDC/status/2020295916172067240)  2026-02-08T00:37Z [----] followers, [--] engagements


"@Jake___Oliver Thats fair. I know you do good work. as do many other advisors. But there are A LOT of AUM charging advisors charging 1% and telling clients I cant give tax advice / do tax planning"  
[X Link](https://x.com/MrNQDC/status/2020338289673400606)  2026-02-08T03:25Z [----] followers, [--] engagements


"@MarketPalmer_ Thanks for bringing the gold every day Mark"  
[X Link](https://x.com/MrNQDC/status/2020476229632098398)  2026-02-08T12:34Z [----] followers, [--] engagements


"@Jake___Oliver So those investment managers masquerading as financial advisors are great for biz for guys like you adding a tonne of value"  
[X Link](https://x.com/MrNQDC/status/2020476526563561733)  2026-02-08T12:35Z [----] followers, [--] engagements


"@Jake___Oliver How do we run those guys out of the industry"  
[X Link](https://x.com/MrNQDC/status/2020512039601369583)  2026-02-08T14:56Z [----] followers, [--] engagements


"@TheMattViera That's it Matt As a former tax attorney you know better than most: Tax planning is at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2020515940480209350)  2026-02-08T15:11Z [----] followers, [--] engagements


"@JrdnMcFarland Sounds like you're proactive with clients in helping them reduce their lifetime tax bill and keep more of what's theirs"  
[X Link](https://x.com/MrNQDC/status/2020516509492125710)  2026-02-08T15:14Z [----] followers, [--] engagements


"@matt_gottshall Recommended to my by native of NYC's Chinatown.trusted his judgment and he was right"  
[X Link](https://x.com/MrNQDC/status/2020522869835321719)  2026-02-08T15:39Z [----] followers, [--] engagements


"@hollisfamcoach I confess I'm even more partial to reverse budgeting"  
[X Link](https://x.com/MrNQDC/status/2020523458577191025)  2026-02-08T15:41Z [----] followers, [--] engagements


"The big lie told to high net worth investors: Now youre worth [--] figures you private equity No you dont You need relentless cost control And incentives that favor not the product promoter Whats driving the push As index funds crushed margins Wall Street went hunting for a new profit engine Higher fees Less transparency Long lockups And they found it in private markets Lower volatility Thats not stability its hidden from view Private assets dont move less Theyre just marked less often The same economic forces hit private companies They just show up later all at once The best move doesnt give"  
[X Link](https://x.com/MrNQDC/status/2020558024570507299)  2026-02-08T17:59Z [----] followers, [---] engagements


"@RevGroupLLC Its worth rolling money out of a qualified plan / 401k to a rollover IRA and rob the client of the tax planning opportunity of the backdoor roth"  
[X Link](https://x.com/MrNQDC/status/2020573616631431290)  2026-02-08T19:01Z [----] followers, [--] engagements


"@RevGroupLLC No 401k for high net worths"  
[X Link](https://x.com/MrNQDC/status/2020686015719969266)  2026-02-09T02:27Z [----] followers, [--] engagements


"@JrdnMcFarland Make Roth 401k contributions when you're in the highest tax brackets and during your peak earning years"  
[X Link](https://x.com/MrNQDC/status/2020853233321746457)  2026-02-09T13:32Z [----] followers, [---] engagements


"Six-figure exec. Seven-figure household. Trapped in NYC taxes Or so she thought Where else would I go Turns out she didnt need to go anywhere Heres what she was missing: She didnt need a new job She didnt need to move She needed to escape when the income showed up Thats where deferred comp came in She kept earning in NYC Big bonus Big income But the bonus never hit her tax return It was delayed Intentionally Pushed into future years The rule most execs miss: States dont tax where you deferred comp They tax where you it if its paid as [--] or more equal annual payments So we structured payouts:"  
[X Link](https://x.com/MrNQDC/status/2020859558122463714)  2026-02-09T13:57Z [----] followers, [----] engagements


"@RyanHaiss Exactly. And do you find that the diversification benefits are often a mirage behind not marking to market"  
[X Link](https://x.com/MrNQDC/status/2020862317353644145)  2026-02-09T14:08Z [----] followers, [--] engagements


"@RyanHaiss Liquidity planning and exit planning are at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2020866893389627736)  2026-02-09T14:26Z [----] followers, [--] engagements


"@JrdnMcFarland More proof that tax planning is a the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2020914808493637870)  2026-02-09T17:36Z [----] followers, [--] engagements


"@TheMattViera An amazing landscape in Wyoming. and zero State taxes Other states with zero State taxes: Alaska Florida Nevada New Hampshire South Dakota Tennessee Texas & Washington What do you love most about Wyoming"  
[X Link](https://x.com/MrNQDC/status/2020938130954793010)  2026-02-09T19:09Z [----] followers, [--] engagements


"@CPAPlanner Global Financial Planning Institute has an excellent course on it for financial planners who want to go deep"  
[X Link](https://x.com/MrNQDC/status/2020938738432610398)  2026-02-09T19:11Z [----] followers, [--] engagements


"@RevGroupLLC @SguyUknow Family offices have access to private equity funds not available to multi-billion dollar institutional asset owners"  
[X Link](https://x.com/MrNQDC/status/2021024828015378469)  2026-02-10T00:54Z [----] followers, [--] engagements


"@KJSAcct @adammarkowitzEA It was only in recent weeks that I learned that the IRS shuts down the ability to get one of their new PINs for two months between November-Jan . then doesn't re-open electronic filing for tax pros until later in Jan Creates even further delay on already-late [----] returns 🤯"  
[X Link](https://x.com/MrNQDC/status/2021195850953916890)  2026-02-10T12:13Z [----] followers, [--] engagements


"@wisdomjonathan_ What's the biggest drain or detractor from wealth that you've noticed WJ"  
[X Link](https://x.com/MrNQDC/status/2021196911508849006)  2026-02-10T12:17Z [----] followers, [--] engagements


"@JJsFinclub Most people are "100% equity" bulls in a bull market Bonds give you an anchor to windward And diversification so you can survive bear markets"  
[X Link](https://x.com/MrNQDC/status/2021197513655820360)  2026-02-10T12:20Z [----] followers, [--] engagements


"@MoneyQuotesX And saving and investing enough so that you're money compounds while you sleep"  
[X Link](https://x.com/MrNQDC/status/2021224114275365055)  2026-02-10T14:05Z [----] followers, [--] engagements


"Another hack I learned from @JonLuskin to keep you insurance premium down: don't use the "free" roadside coverage that many auto loan insurers provide. or it can be treated as a claim and jack up your future insurance premiums Worth paying the small amount separately to AAA to pay for your own roadside assistance membership https://twitter.com/i/web/status/2021225935735861636 https://twitter.com/i/web/status/2021225935735861636"  
[X Link](https://x.com/MrNQDC/status/2021225935735861636)  2026-02-10T14:13Z [----] followers, 13K engagements


"@adrienne_lain oof. You've struck a nerve. hiring the wrong person is the biggest ear that causes business owners to procrastinate on hiring at all What's your #1 tip for higher quality interviews or due diligence process to maximize the chance of the best hire"  
[X Link](https://x.com/MrNQDC/status/2021229810945569098)  2026-02-10T14:28Z [----] followers, [--] engagements


"@jackiekenoyer 💯Using your credit card and paying it off each month is also the key to improving your credit score"  
[X Link](https://x.com/MrNQDC/status/2021237185735762404)  2026-02-10T14:57Z [----] followers, [--] engagements


"@RyanHaiss Love that Systems willpower and memory. And major tax benefits"  
[X Link](https://x.com/MrNQDC/status/2021242699085439070)  2026-02-10T15:19Z [----] followers, [--] engagements


"@adrienne_lain Me too until I finally got organized. What's the biggest mistake you've seen people make / gap in taking care of their loved ones if they're not around"  
[X Link](https://x.com/MrNQDC/status/2021284325644181738)  2026-02-10T18:05Z [----] followers, [--] engagements


"@jennyrozelle Estate planning is at the heart of real financial planner If your financial advisor is not quarter backing this into your affairs then theyre an advisor in name only"  
[X Link](https://x.com/MrNQDC/status/2021330407996752009)  2026-02-10T21:08Z [----] followers, [---] engagements


"@darrelltalksfi @JonLuskin Me too I only canceled the AAA because I didnt realize the hidden cost of accessing free roadside assistance courtesy of my auto insurer"  
[X Link](https://x.com/MrNQDC/status/2021331049960108432)  2026-02-10T21:10Z [----] followers, [---] engagements


"A good financial advisor should be a knowledgeable generalist who brings in and partners with the best specialists - including estate planning attorneys Theres lots to coordinate between financial planning and estate planning and the financial advisor should be driving those aspects They should also have the reps with the best attorneys from past clients and be able to vet and recommend the best ones for you https://twitter.com/i/web/status/2021361135761461471 https://twitter.com/i/web/status/2021361135761461471"  
[X Link](https://x.com/MrNQDC/status/2021361135761461471)  2026-02-10T23:10Z [----] followers, [--] engagements


"@jackiekenoyer Yes - thats the weakest link in the chain that befalls mini credit card owners"  
[X Link](https://x.com/MrNQDC/status/2021564940470116715)  2026-02-11T12:40Z [----] followers, [--] engagements


"@adrienne_lain Integrity and judgment in business remind me of what Warren Buffett once said: it takes [--] years to build a reputation and [--] seconds to destroy it"  
[X Link](https://x.com/MrNQDC/status/2021566786764984666)  2026-02-11T12:47Z [----] followers, [--] engagements


"@Jake___Oliver If you don't find a way to make money while you sleep you will work until you die - The Sage of Omaha"  
[X Link](https://x.com/MrNQDC/status/2021569088120647821)  2026-02-11T12:56Z [----] followers, [--] engagements


"@RyanHaiss Love the idea of the stress test when times are good"  
[X Link](https://x.com/MrNQDC/status/2021569215052820984)  2026-02-11T12:57Z [----] followers, [--] engagements


"@Jake___Oliver Hes the GOAT"  
[X Link](https://x.com/MrNQDC/status/2021586097940164859)  2026-02-11T14:04Z [----] followers, [--] engagements


"@Invested_In_You Having a bias to action especially on paying off debt and investing can be a compounding super power"  
[X Link](https://x.com/MrNQDC/status/2021613712163938357)  2026-02-11T15:54Z [----] followers, [--] engagements


"@JJsFinclub Exactly. Push income into the future when salary stops and you expect a lower tax bracket - like between jobs or early retirement"  
[X Link](https://x.com/MrNQDC/status/2021642915207164239)  2026-02-11T17:50Z [----] followers, [--] engagements


"@CPATaxTeam How about if you shower them the compounding benefit of a mega Backdoor Roth in a 401k That should get the FOMO going 😀"  
[X Link](https://x.com/MrNQDC/status/2021765906204885265)  2026-02-12T01:58Z [----] followers, [---] engagements


"@Jake___Oliver And yet the app rewards "engagement" including food fights"  
[X Link](https://x.com/MrNQDC/status/2021954514488848780)  2026-02-12T14:28Z [----] followers, [--] engagements


"@JJsFinclub Total return for me Growth + income"  
[X Link](https://x.com/MrNQDC/status/2021954831921930636)  2026-02-12T14:29Z [----] followers, [--] engagements


"@TheMattViera Six trips to Lisbon in five years . I endorse these picks"  
[X Link](https://x.com/MrNQDC/status/2021955039510901057)  2026-02-12T14:30Z [----] followers, [---] engagements


"@Johnathan_W15 Great primer. and proof that estate planning is at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2022006952352788513)  2026-02-12T17:56Z [----] followers, [--] engagements


"@TheMattViera Yes please"  
[X Link](https://x.com/MrNQDC/status/2022054641303949753)  2026-02-12T21:06Z [----] followers, [--] engagements


"@Jake___Oliver Youre still using a mouse pad 😀"  
[X Link](https://x.com/MrNQDC/status/2022655083478122626)  2026-02-14T12:52Z [----] followers, [--] engagements


"@Reciprocity007 @CStudemeyer Could they get that from a financial planner who charges hourly or flat fee Appreciate your thoughtful replies here R007"  
[X Link](https://x.com/MrNQDC/status/2022725917651734538)  2026-02-14T17:33Z [----] followers, [--] engagements


"@TheMattViera Honestly given the egregious interest rates on car loans I'd pay that off first BUT.goal with a reward: I'd set myself a reward for achieving the goal of paying off the car loan.Maldives dream vacation"  
[X Link](https://x.com/MrNQDC/status/2021223686959661324)  2026-02-10T14:04Z [----] followers, [---] engagements


"Theres I definitely need the integration of the financial plan with the estate plan Financial advisor and estate planning attorney should be working in collaboration I agree that we see many financial advisors including on this app illegally practicing law. Eg I keep reading generalizations like everybody needs a trust and probate is always bad. Many estate planning attorneys disagree with them on both fronts https://twitter.com/i/web/status/2021361729532260794 https://twitter.com/i/web/status/2021361729532260794"  
[X Link](https://x.com/MrNQDC/status/2021361729532260794)  2026-02-10T23:12Z [----] followers, [--] engagements


"@matt_gottshall More proof that tax & equity comp planning is at the heart of real financial planning"  
[X Link](https://x.com/MrNQDC/status/2021610221802496387)  2026-02-11T15:40Z [----] followers, [--] engagements


"@BarbellFi This is a prudent move to protect your family love it Do you know that youre much more likely to become unable to work rather than die Dont forget to level up your own-occupation disability insurance"  
[X Link](https://x.com/MrNQDC/status/2022118063928455168)  2026-02-13T01:18Z [----] followers, [--] engagements


"@TheMattViera @HateDook Cant beat the weather architecture food and relative affordability"  
[X Link](https://x.com/MrNQDC/status/2022281887780118868)  2026-02-13T12:09Z [----] followers, [--] engagements


"@Jake___Oliver The generation of AI natives under [--] years of age today may be different in the future But for everybody else you cant beat the personal touch especially on personal finance"  
[X Link](https://x.com/MrNQDC/status/2022292026750795899)  2026-02-13T12:49Z [----] followers, [--] engagements


"@Johnathan_W15 And a high interest rates of consumer debt equals compound interest in reverse"  
[X Link](https://x.com/MrNQDC/status/2022292698544169025)  2026-02-13T12:52Z [----] followers, [--] engagements


"For people like us pithy advice like its not what you make its what you keep feels glib and trite. And yet it can be most valuable to others. Thats not to judge other peoples spending mistakeseven if youve spent your entire asset base thats the exact use-case for having all the right insurances for when you cant earn a dollar https://twitter.com/i/web/status/2022644411914424825 https://twitter.com/i/web/status/2022644411914424825"  
[X Link](https://x.com/MrNQDC/status/2022644411914424825)  2026-02-14T12:09Z [----] followers, [--] engagements


"@TheMattViera Youre showing us all how you can win focusing on Return on Investment AND Return on Living"  
[X Link](https://x.com/MrNQDC/status/2022655352907706822)  2026-02-14T12:53Z [----] followers, [--] engagements


"RT @SMB_Attorney: PSA: If you have a family depending on you make getting term life insurance your top priority this week"  
[X Link](https://x.com/MrNQDC/status/2022666547320492507)  2026-02-14T13:37Z [----] followers, [--] engagements


"@Jake___Oliver 💪💪💪"  
[X Link](https://x.com/MrNQDC/status/2022667039383654729)  2026-02-14T13:39Z [----] followers, [--] engagements


"@neilcoin @SMB_Attorney Hence the role of insurance to protect your loved ones . even moreso if you've overspent"  
[X Link](https://x.com/MrNQDC/status/2022669252206198946)  2026-02-14T13:48Z [----] followers, [--] engagements


"@LifetimeIP @DadInvest Agree its not the fame that caused the failure sounds like not having a great financial planner to guide him on landmines like this"  
[X Link](https://x.com/MrNQDC/status/2022686075328823552)  2026-02-14T14:55Z [----] followers, [--] engagements


"@jasonmpearl @SMB_Attorney Life AND disability insurance are the keys to protecting your family if youre either not here or just cant make a living anymore"  
[X Link](https://x.com/MrNQDC/status/2022690183817367789)  2026-02-14T15:11Z [----] followers, [--] engagements


"@realMarkWygant @126613LBSUB Thanks Mark. Always enjoy our conversations on here"  
[X Link](https://x.com/MrNQDC/status/2022707796349747601)  2026-02-14T16:21Z [----] followers, [--] engagements


"The biggest threat to the wealth management model isnt AI. Its clients doing the math. The next wave is coming Not automation of advice Fee awareness Why pay an uncapped 1% of your net worth every year For advice that has nothing to do with how much your portfolio grew Your CPA doesnt charge 1% of your income Your attorney doesnt charge 1% of your house But in wealth management The bigger your account gets The bigger their raise Automatic Forever And heres the part that stings: Most of the real value in financial planning isnt managing money Its tax strategy Cash flow design Deferred comp"  
[X Link](https://x.com/MrNQDC/status/2022682312765247789)  2026-02-14T14:40Z [----] followers, [----] engagements


"@mitchdmoore Advisors can add value against a market benchmark Or find a client a portfolio that meets their goals and risk tolerance"  
[X Link](https://x.com/MrNQDC/status/2023034206620983321)  2026-02-15T13:58Z [----] followers, [---] engagements


"@cliffcornell_ @MichaelKitces @theslottreport Cliff you are walking proof that Tax planning is at the heart of a real financial planning"  
[X Link](https://x.com/MrNQDC/status/2023070179173806120)  2026-02-15T16:21Z [----] followers, [--] engagements


"@RyanHaiss Im old enough to remember when there were predictions that Robo advisors would replace human advisors In reality the Fintech just made real financial planners more efficient"  
[X Link](https://x.com/MrNQDC/status/2022313214046773251)  2026-02-13T14:13Z [----] followers, [---] engagements


"37% rushing into private equity No one asking who benefits most Family offices dont need  in private markets They need relentless cost control And incentives that favor the investor not the product promoter Lower volatility No just marked less often Complexity isnt the game Keeping more is https://twitter.com/i/web/status/2022651302166020147 https://twitter.com/i/web/status/2022651302166020147"  
[X Link](https://x.com/MrNQDC/status/2022651302166020147)  2026-02-14T12:37Z [----] followers, [--] engagements


"@LifetimeIP @jennyrozelle What are your thoughts on groups like LLIS"  
[X Link](https://x.com/MrNQDC/status/2022687605041852765)  2026-02-14T15:01Z [----] followers, [--] engagements


"@LifetimeIP I agree that they are wrong Unpopular opinion on here: quite often commission based insurance and annuity sales can end up cheaper in the long run for a client than 1% of AUM"  
[X Link](https://x.com/MrNQDC/status/2022689713644343641)  2026-02-14T15:09Z [----] followers, [--] engagements


"@JerimiahLee @SMB_Attorney Agree it wouldve been a no brainer But apparently he did not have life insurance"  
[X Link](https://x.com/MrNQDC/status/2022690048882446656)  2026-02-14T15:11Z [----] followers, [--] engagements


"@husmanbits So true. Why do so many people only appreciate the value of insurance after its too late"  
[X Link](https://x.com/MrNQDC/status/2022693489822306692)  2026-02-14T15:24Z [----] followers, [--] engagements


"@JrdnMcFarland Working with a business owner planning an exit can be one of the highest financial planning alphas How did you find them and win them as a client"  
[X Link](https://x.com/MrNQDC/status/2022695063172579445)  2026-02-14T15:30Z [----] followers, [--] engagements


"@realMarkWygant Is it more a behavioral thing that some people prefer paying AUM fees because they don't feel it as much as writing a check or having an ACH transfer from their bank account Always appreciate your perspectives Mark"  
[X Link](https://x.com/MrNQDC/status/2022699210425143784)  2026-02-14T15:47Z [----] followers, [---] engagements


"@JonLuskin @CPATaxTeam Exhibit A: the private equity fund con"  
[X Link](https://x.com/MrNQDC/status/2022723676534198567)  2026-02-14T17:24Z [----] followers, [--] engagements


"@husmanbits As somebody who has more life insurance and umbrella liability insurance than I need surrounded by friends who have either none of these or not enough I endorse your message I endorse your message Aaron 💪🏻 💪🏻 💪🏻"  
[X Link](https://x.com/MrNQDC/status/2023073120240955458)  2026-02-15T16:33Z [----] followers, [--] engagements


"The crazy thing is that there are thousands of advisors out there promising the false hope of investment alpha - which is incredibly hard and the majority of professionals fail to even match or add value to the market index Meanwhile you are offering some relatively reliable tax alpha thats underwritten by the tax code I know which one I would prefer to be pursuing for my own money"  
[X Link](https://x.com/MrNQDC/status/2022365953929916668)  2026-02-13T17:43Z [----] followers, [--] engagements


"@TheMattViera Spot on. Matt. Life and disability insurance to protect your loved ones in case youre either not here or are unable to earn a living"  
[X Link](https://x.com/MrNQDC/status/2022682018761380343)  2026-02-14T14:39Z [----] followers, [---] engagements


"@SJFriedl @SMB_Attorney In all seriousness you should get as much life and disability insurance as you possibly can and as young as you can while its cheap and before you start building up any medical history of scripts etc"  
[X Link](https://x.com/MrNQDC/status/2022814785570525569)  2026-02-14T23:26Z [----] followers, [--] engagements


"@darrelltalksfi Total return FTW and its not even close"  
[X Link](https://x.com/MrNQDC/status/2022373364761821573)  2026-02-13T18:12Z [----] followers, [---] engagements


"@SMB_Attorney 💯and if you've earned big but overspent A good financial planner won't judge you. That's a perfect use-case for term life insurance And disability cover"  
[X Link](https://x.com/MrNQDC/status/2022666923620864313)  2026-02-14T13:39Z [----] followers, [---] engagements


"@CoachRolfes Serving others is a power move that can be equally rewarding for the person doing the serving and those being served"  
[X Link](https://x.com/MrNQDC/status/2022682617179775096)  2026-02-14T14:41Z [----] followers, [--] engagements


"@CPATaxTeam @JonLuskin That math dont lie But investment management is the only industry in the world where you dont get what you pay for Higher cost doesnt lead to better products - just more complexity"  
[X Link](https://x.com/MrNQDC/status/2022686560983077299)  2026-02-14T14:57Z [----] followers, [--] engagements


"@CStudemeyer Fair enough but cant you get that using a an hourly or fixed fee financial planner"  
[X Link](https://x.com/MrNQDC/status/2022687067214422396)  2026-02-14T14:59Z [----] followers, [--] engagements


"@126613LBSUB @realMarkWygant Are you a financial planner Bluesy Curious on your perspective re AUM vs hourly vs flat fee model"  
[X Link](https://x.com/MrNQDC/status/2022707597095190903)  2026-02-14T16:20Z [----] followers, [--] engagements


"@bkwhite65 Well his family needed life insurance .especially in cases where that's not enough liquidity to pay for the liabilities/spending of the family"  
[X Link](https://x.com/MrNQDC/status/2022678151705284761)  2026-02-14T14:23Z [----] followers, [---] engagements


"@LifetimeIP @jennyrozelle How should folks navigate that better Mike"  
[X Link](https://x.com/MrNQDC/status/2022686734757073202)  2026-02-14T14:57Z [----] followers, [--] engagements


"Paying high taxes isnt the price of success Overpaying is optional [--] steps Im using to pay less tax in 2026"  
[X Link](https://x.com/MrNQDC/status/2019819957484179763)  2026-02-06T17:06Z [----] followers, [----] engagements


"No one pitching retire abroad tells you this: its the most complex tax planning youll ever face Mike's Q: If you defer comp then move abroad does it qualify for the foreign earned income exclusion [--]     Deferred comp is earned in the US Deferring it doesnt make it foreign earned [--]    Many countries tax deferred comp .and even Roth distributions Even when the IRS doesnt This is expert-only territory .get a specialist cross-border CPA Get this wrong and you get taxed twice @MrNQDC Curious. If you have a NQDC plan with [--] yr vesting and become a bonafide foreign resident wouldn't that be"  
[X Link](https://x.com/anyuser/status/2021196309609267286)  2026-02-10T12:15Z [----] followers, [---] engagements


"Being the person who handles the money in your family feels responsible But if something happened to you today would your spouse know where to start A simple 1-page Family Playbook fixes this Want the Excel Retweet + reply playbook and Ill DM it (must be following)"  
[X Link](https://x.com/MrNQDC/status/2021221986941251749)  2026-02-10T13:57Z [----] followers, [----] engagements


"I used to think deferred comp was a scam then I saw the tax math Taxed like a 401k But  on pre-tax contributions A high earner can: avoid 35% or 37% marginal tax withdraw at 20% effective tax in retirement Huge tax savings"  
[X Link](https://x.com/anyuser/status/2021612435166068986)  2026-02-11T15:48Z [----] followers, [----] engagements


"The IRS just created a hidden 45% tax bracket for high earners in [----] Most people will walk straight into it You dont have to The SALT deduction jumps to $40400 Looks like a win Until you get a raise Cross $505K the phaseout begins Around $600K your $40K deduction is gone.back to a $10K cap That last $100K The government takes nearly half Over 50% in some states The lever most high earners miss: Drive Adjusted Gross Income down with pre-tax contributions 401k HSA Deferred comp Income is vanity AGI decides https://twitter.com/i/web/status/2022002835383058698"  
[X Link](https://x.com/anyuser/status/2022002835383058698)  2026-02-12T17:40Z [----] followers, [----] engagements


"Six- and seven-figure employees and execs make the same expensive mistake It isnt their portfolio Its how they structure their pay Here are [--] comp decisions that backfire and how to fix them"  
[X Link](https://x.com/anyuser/status/2022293233137553575)  2026-02-13T12:54Z [----] followers, [----] engagements


"Mistake #6: scheduling your entire deferred comp as a lump sum payout at retirement A $1M payout = $1M of taxable income in one year Thats not tax deferral Thats a tax bomb"  
[X Link](https://x.com/anyuser/status/2022293286904316123)  2026-02-13T12:54Z [----] followers, [---] engagements


"Spread distributions over time to stay in lower tax brackets Thats the whole point of the strategy"  
[X Link](https://x.com/MrNQDC/status/2022293290079387992)  2026-02-13T12:54Z [----] followers, [---] engagements


"The tax code rewards those who own Yet the IRS just created a hidden 45% tax bracket in [----] for high earner W-2 employees business owners Most people will walk straight into it. You dont have to. The SALT deduction jumps to $40400 Looks like a win. Until you get a raise. Cross $505K the phaseout begins Around $600K your $40K deduction is gone.back to a $10K cap That last $100K The government takes nearly half Over 50% in some states The lever most high earners miss: Drive Adjusted Gross Income down with pre-tax contributions 401k HSA Deferred comp (NQDC) Income is vanity Adjusted Gross"  
[X Link](https://x.com/MrNQDC/status/2022364244289704289)  2026-02-13T17:36Z [----] followers, [---] engagements


"Dawsons Creek star James Van Der Beek had fame. Income. Access. His family still needed a GoFundMe Read that again The biggest threat to your familys financial future isnt your portfolio. Its underinsurance And its not just life insurance Youre far more likely to become disabled and lose your income than die Yet even the smartest DIY investors I know are underinsured on: Life Disability Auto Homeowners Umbrella liability Investment and tax optimization wont save a family without protection Boring Yes Critical Absolutely"  
[X Link](https://x.com/MrNQDC/status/2022372632260206730)  2026-02-13T18:09Z [----] followers, 36K engagements


"@jennyrozelle I came of age watching him and that cast Honestly every time I post about people being under insured Its never interesting enough for clicks But thats your real risk of ruin"  
[X Link](https://x.com/MrNQDC/status/2022392387218346413)  2026-02-13T19:28Z [----] followers, [---] engagements


"💯for anybody who doesn't already have enough assets to fund the rest of their life Disability is just as important as term life insurance. because it's more likely than dying And most folks wrongly think their disability cover at work is sufficient. that's usually an "any occupation" cover - so it can be declined if insurer can prove you could work a different job "Own occupation" cover is the way https://twitter.com/i/web/status/2022670082808139900 https://twitter.com/i/web/status/2022670082808139900"  
[X Link](https://x.com/MrNQDC/status/2022670082808139900)  2026-02-14T13:51Z [----] followers, [---] engagements


"@CStudemeyer Appreciate your perspective Collin Dont you find the big financial planning alpha is not in the investment management but in the tax planning and all the other aspects of personal finance"  
[X Link](https://x.com/MrNQDC/status/2022685538801823814)  2026-02-14T14:53Z [----] followers, [---] engagements


"@JrdnMcFarland I appreciate your nuanced answer Jordan Which are the areas where you find the most financial planning alpha Could that be equally catered for with any fee model"  
[X Link](https://x.com/MrNQDC/status/2022688439519604743)  2026-02-14T15:04Z [----] followers, [---] engagements


"@jeffbograd That's a good point Jeff that I didn't know. I also remember the disruption of active investment management For decades the pitch was simple: Markets are complex. You need us Then indexing showed up Low cost Transparent Relentless"  
[X Link](https://x.com/MrNQDC/status/2022698553399767468)  2026-02-14T15:44Z [----] followers, [--] engagements


"@126613LBSUB @T_Rey_19 Ive it. Thats a decent fee and a win-win for the client and you"  
[X Link](https://x.com/MrNQDC/status/2022748438828613866)  2026-02-14T19:03Z [----] followers, [--] engagements


"@Small_MidCap @ServoWealth @jasonzweigwsj 💯 careful of recency bias that prompt people to go all in on US equities Now more than ever it makes sense to go global"  
[X Link](https://x.com/MrNQDC/status/2022803518071914809)  2026-02-14T22:41Z [----] followers, [--] engagements


"@SJFriedl @SMB_Attorney Thats true. I discovered the hard way how much insurance premiums jump with what seems like normal/non-life threatening medical history"  
[X Link](https://x.com/MrNQDC/status/2022831870430306697)  2026-02-15T00:34Z [----] followers, [--] engagements


"@babylonwealth Appreciate your perspective. How does % of AUM fee give the adviser skin in the game Its not like the advisors capital is at risk or they will lose money if the client does poorly - the usual meaning of that term"  
[X Link](https://x.com/MrNQDC/status/2022869340115341665)  2026-02-15T03:03Z [----] followers, [--] engagements


"@jacoblphelps Your comment WMs who bought the idea of the EMH and so stopped making asset management their primary value add implies that you think advisers can add value above market benchmarks"  
[X Link](https://x.com/MrNQDC/status/2022870298882662426)  2026-02-15T03:07Z [----] followers, [--] engagements


"@mitchdmoore Good question Mitch Confession of a former asset manager: its commoditized. Theres no value-add Are you saying customers actually value the asset allocation itself Impressive if so"  
[X Link](https://x.com/MrNQDC/status/2023010440511672681)  2026-02-15T12:24Z [----] followers, [---] engagements


"@CoachThisath A biased to action is definitely a superpower to reduce anxiety"  
[X Link](https://x.com/MrNQDC/status/2023015701267804616)  2026-02-15T12:45Z [----] followers, [--] engagements


"@MarketPalmer_ Thats what real financial planning is all about Align your spending with what you value"  
[X Link](https://x.com/MrNQDC/status/2023033710933922290)  2026-02-15T13:56Z [----] followers, [---] engagements


"Im a CFA who worked with some of the best multi-billion dollar investment managers on the planet On average there is no investment alpha to be had especially after retail fees Theres plenty of financial planning alpha - but it aint in RIAs trying to beat the market index https://twitter.com/i/web/status/2023060820809199947 https://twitter.com/i/web/status/2023060820809199947"  
[X Link](https://x.com/MrNQDC/status/2023060820809199947)  2026-02-15T15:44Z [----] followers, [---] engagements


"@jarett_busacca 💯 and Im old enough to remember when industry thought leaders said that robo advisors would replace real financial advisors In reality the fintech just gave human financial advisors more tools and more them more efficient"  
[X Link](https://x.com/MrNQDC/status/2023094399836770523)  2026-02-15T17:57Z [----] followers, [--] engagements


"@Jake___Oliver What's your next move Jake"  
[X Link](https://x.com/MrNQDC/status/2023132640606568559)  2026-02-15T20:29Z [----] followers, [--] engagements


"We can beat the market Thats a bold claim from a retail financial advisor Ive sat in rooms with career PMs managing billions Most of them cant produce consistent alpha Financial planning and stock picking are different professions If youre that elite raise a hedge fund Let sophisticated institutions evaluate you Dont sell that fantasy to moms and dads who dont know the odds Am I missing something here @MrNQDC Well first you didnt answer my question about what you did as an asset manager. But I believe we (us specifically) can add value against a benchmark. Id agree with you that most advisors"  
[X Link](https://x.com/MrNQDC/status/2023134444412944813)  2026-02-15T20:36Z [----] followers, [----] engagements


"Yet thats a move every parent can borrow from ultra wealthy families: succession planning in the family wealth enterprise be the founder of your familys money story The values habits & beliefs that get passed down Talking dollars at the dinner table isnt rude Its a life skill Teach your kids about money - early & often https://twitter.com/i/web/status/2023135957831061550 https://twitter.com/i/web/status/2023135957831061550"  
[X Link](https://x.com/MrNQDC/status/2023135957831061550)  2026-02-15T20:42Z [----] followers, [--] engagements


"@SMB_Attorney Feels like the predictions that robo-advisors would take over from human financial planners Reality: fintech made real financial planners more efficient . and gave them more tools"  
[X Link](https://x.com/MrNQDC/status/2023136827280896189)  2026-02-15T20:46Z [----] followers, [--] engagements


"@126613LBSUB You have to tell us Im betting a multitude of overlapping ETFs or worse still mutual funds And some private equity and private credit to make the client feel they had privileged access"  
[X Link](https://x.com/MrNQDC/status/2023153745971065217)  2026-02-15T21:53Z [----] followers, [--] engagements


"Dont ignore credit risk Ask yourself: Will this company still be solid in [----] years"  
[X Link](https://x.com/MrNQDC/status/2022293268776575222)  2026-02-13T12:54Z [----] followers, [---] engagements


"Mistake #5: letting your deferred comp plan become 20% of your net worth Youre already tied to your employer through salary bonus and equity Dont stack even more risk in one basket"  
[X Link](https://x.com/MrNQDC/status/2022293271809061052)  2026-02-13T12:54Z [----] followers, [---] engagements


"Diversify your future shouldnt hinge on a single company"  
[X Link](https://x.com/MrNQDC/status/2022293280470270386)  2026-02-13T12:54Z [----] followers, [---] engagements


"@DrDanielYerger You got it Daniel Whats your fee model"  
[X Link](https://x.com/MrNQDC/status/2022715521280422153)  2026-02-14T16:52Z [----] followers, [--] engagements


"@TheMattViera Matt youre showing us every day how to optimize not just for ROI but ROL. return on living"  
[X Link](https://x.com/MrNQDC/status/2023019555543740618)  2026-02-15T13:00Z [----] followers, [--] engagements


"@matt_gottshall This is what DIYers miss at their peril (or their non-financial spouses peril when theyre gone) A good financial planner is the ultimate financial succession plan"  
[X Link](https://x.com/MrNQDC/status/2023060217789825090)  2026-02-15T15:41Z [----] followers, [--] engagements


"And if you want to supercharge your Roth accounts today Ask your employer if your 401k offers a Mega Backdoor Roth after-tax contributions you can flip straight into Roth stash up to $72K/year growing tax-free-forever inside your 401k $144K/year for self-employed using a Solo 401K if you double the benefits by hiring your spouse https://twitter.com/i/web/status/2022315830105522601 https://twitter.com/i/web/status/2022315830105522601"  
[X Link](https://x.com/MrNQDC/status/2022315830105522601)  2026-02-13T14:24Z [----] followers, [---] engagements


"@husmanbits Thats a great way to put it and nobody who made a claim on their insurance ever thought they had too much cover What other cases have you seen of financial catastrophe from somebody being uninsured"  
[X Link](https://x.com/MrNQDC/status/2022693185500377455)  2026-02-14T15:23Z [----] followers, [--] engagements


"Some blasphemy here (or nuance): there are a few hedge fund strategies that actually add real diversification For example risk premia and systematic trend strategies actually work well resourced institutional investors can and should use them However its darn hard for retail investors to get them at a reasonable fee Id never pay [--] & [--] https://twitter.com/i/web/status/2023011199302942844 https://twitter.com/i/web/status/2023011199302942844"  
[X Link](https://x.com/MrNQDC/status/2023011199302942844)  2026-02-15T12:27Z [----] followers, [--] engagements


"@TheTaxNomad Whats the most common tax planning opportunity that others often miss"  
[X Link](https://x.com/MrNQDC/status/2023154593996402843)  2026-02-15T21:56Z [----] followers, [--] engagements


"@RevGroupLLC Agree that it's hard if not impossible to generate alpha in public markets Wait. private equity and private credit are "easy bets" to generate alpha You actually believe that"  
[X Link](https://x.com/MrNQDC/status/2023163919666205016)  2026-02-15T22:34Z [----] followers, [--] engagements

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