[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @zachmelloh26 Zach Melloh, CFP® Zach Melloh, CFP® posts on X about investment, if you, saving, $2m the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::881269556/interactions)  - X Week XXXXXX +120% - X Month XXXXXXX -XX% - X Months XXXXXXXXX -XX% - X Year XXXXXXXXXX -XX% ### Mentions: XX [#](/creator/twitter::881269556/posts_active)  - X Week XX +27% - X Month XX -XX% - X Months XXX +19% - X Year XXXXX +24% ### Followers: XXXXXX [#](/creator/twitter::881269556/followers)  - X Week XXXXXX +0.15% - X Month XXXXXX +0.24% - X Months XXXXXX +4% - X Year XXXXXX +33% ### CreatorRank: XXXXXXX [#](/creator/twitter::881269556/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) XX% **Social topic influence** [investment](/topic/investment) #1359, [if you](/topic/if-you) 15%, [saving](/topic/saving) 15%, [$2m](/topic/$2m) #33, [insurance](/topic/insurance) 10%, [debt](/topic/debt) 10%, [credit cards](/topic/credit-cards) 10%, [money](/topic/money) 10%, [$1m](/topic/$1m) 5%, [$880k](/topic/$880k) X% **Top accounts mentioned or mentioned by** [@haashawk](/creator/undefined) [@neobyzantium](/creator/undefined) [@baparish](/creator/undefined) [@kevinbu21855632](/creator/undefined) [@pika4bigred](/creator/undefined) [@financelancelot](/creator/undefined) [@njnjeeri](/creator/undefined) [@captrealestate](/creator/undefined) [@antpalm8](/creator/undefined) [@kjadams1961](/creator/undefined) [@betheboat](/creator/undefined) [@beavisbrandon2](/creator/undefined) [@nysteve9999](/creator/undefined) [@maxmusclemn](/creator/undefined) [@bgykpa](/creator/undefined) [@investor_jpd](/creator/undefined) [@calisurfsup](/creator/undefined) [@yello_bastard](/creator/undefined) [@keithkail](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "A parent with a $2M IRA said: "We want to leave this equally to our two kids." Option 1: Leave the IRA as-is Split 50/50: $1M each Kid X is a teacher (12% bracket) keeps $880K Kid X is a doctor (37% bracket) keeps $630K Result: Same $2M but wildly unequal inheritance. Option 2: Roth conversions over several years Parents retired in lower brackets (1222%) Convert gradually to manage marginal rates and avoid RMD spikes Taxes are paid from cash outside the IRA Kids inherit the full $2M tax-free They can let it grow for XX years without paying taxes Outcome: Same $2M starting point but true equal" [X Link](https://x.com/zachmelloh26/status/1998516505869271110) 2025-12-09T22:14Z 25.5K followers, 17.7K engagements "Risk Management & Estate Planning Checklist: - Life insurance - Disability Insurance - Sufficient liability limits on property & casualty Insurance - Umbrella Insurance - Beneficiaries on accounts and insurance policies - Written will / potentially a trust - Powers of attorney - Medical directives - Named guardians provision Have you checked these off your list" [X Link](https://x.com/zachmelloh26/status/1998470806234374546) 2025-12-09T19:12Z 25.5K followers, 4244 engagements "If you enjoyed this thread be sure to like and bookmark the post above and follow me for more financial planning content" [X Link](https://x.com/zachmelloh26/status/1998475455804871101) 2025-12-09T19:30Z 25.5K followers, XXX engagements "John (42) and Lisa (40) earn $400K+ have two kids and a side hustle but were only contributing to Lisas 401(k) and living off her income. They were leaving serious tax savings on the table. What They Did: Reviewed their entity structure and implemented a solo 401(k) for Johns side hustle saving $10K in taxes in the first year. Adjusted 401(k) contributions so both were maxing out plans instead of relying solely on Lisas income (a mental accounting fix that improved long-term tax efficiency.) Aligned cash flow and investments across taxable and tax-advantaged accounts. Tax loss harvested some" [X Link](https://x.com/zachmelloh26/status/1998481986097123754) 2025-12-09T19:56Z 25.5K followers, 3903 engagements "If you enjoyed this thread be sure to like and bookmark the post above and follow me for more financial planning content" [X Link](https://x.com/zachmelloh26/status/1998486314161746391) 2025-12-09T20:14Z 25.5K followers, XXX engagements "Ava was XX a rising product lead in fintech. Her husband Noah XX was a software engineer earning a steady income. Together they made about $410K a year and had $190K sitting in cash across multiple accounts. Their mindset had always been: Well get organized when things calm down. Things never calmed down. What finally pushed them to take action was realizing how much opportunity they were losing to taxes inflation and lack of coordination. Their starting point: Ava maxed her 401(k) all pre-tax Noah contributed but inconsistently No Roth strategy for either of them HSA eligible but unused No" [X Link](https://x.com/zachmelloh26/status/1993364061149605952) 2025-11-25T17:00Z 25.5K followers, 3943 engagements "Sarah (34) earns $145k and has $2k/month to allocate. Credit cards at XX% Car loan at X% Mortgage at XXXX% 401(k) with a X% employer match One clean framework: 1.401(k) to the match first The employer match is among the highest-confidence returns available. X. Pay off 7%+ debt next Eliminating high-interest debt is often the best risk-adjusted move. 3.Dont rush to pay X% loans With short-term risk-free yields recently above X% keeping very low-rate debt can preserve liquidity without sacrificing expected return. X. XX% is the gray zone For the X% car loan she split it: XX% extra payments 50%" [X Link](https://x.com/zachmelloh26/status/1998474305370276010) 2025-12-09T19:26Z 25.5K followers, 2153 engagements "My ideal client: A moderate to high-earning family that wants to offload investment management and have a real financial plan. Ongoing balance sheet updates. Tax-efficient investing and strategy Long-term goal and scenario-based planning. Insurance + estate reviews. Education planning and more. Less guesswork. More clarity. One coordinated strategy" [X Link](https://x.com/zachmelloh26/status/1998813378584658247) 2025-12-10T17:53Z 25.5K followers, 2153 engagements "@HaasHawk Most people are not CFP's" [X Link](https://x.com/zachmelloh26/status/1998850755877548471) 2025-12-10T20:22Z 25.5K followers, XX engagements "In their early 30s John started earning $250k in big tech. Instead of just saving more he focused on how they saved. We optimized their asset allocation across all accounts aligned cash flow into 401(k) Roth HSA and brokerage accounts for both tax efficiency and future flexibility and regularly used tax-loss harvesting to reduce ongoing taxes. We also managed his equity compensation carefully balancing concentration risk timing sales for favorable tax treatment and integrating it into the broader plan. Along the way they put the fundamentals in place: Proper insurance coverage An estate plan" [X Link](https://x.com/zachmelloh26/status/1998116570275500072) 2025-12-08T19:44Z 25.5K followers, 3974 engagements "Bob is XX and sitting on $430000 of unrealized capital gains. If he sells today: XX% federal capital gains tax $64500 (state taxes could apply). If he holds until death: His heirs receive a step-up in basis. No capital gains tax on those gains if the heirs sold (as long as no additional gain occurs after step up) That doesnt mean never sell. It means the decision depends on: Spending needs Risk tolerance Estate size (estate tax exposure) Concentration risk State taxes But when assets arent needed during life Sometimes the most tax-efficient move is doing nothing and letting heirs inherit with" [X Link](https://x.com/zachmelloh26/status/1998875376911589550) 2025-12-10T22:00Z 25.5K followers, 4963 engagements "10 Popular money myths debunked: More credit cards = better score Its more about on-time payments low usage and long history. not card count. Big tax refund = smart It usually means you overpaid the IRS. Renting = throwing money away Flexibility + low maintenance can make it the smarter choice. High income = wealth Wealth comes from saving and investing not just earning. Dont invest until debt-free Many build more by doing both. A will = complete planning You also need beneficiaries POAs and sometimes a trust. Maxing a 401(k) = set for retirement You still need tax and withdrawal planning." [X Link](https://x.com/zachmelloh26/status/1995588627460428277) 2025-12-01T20:19Z 25.5K followers, 2251 engagements "A married high-earning couple. Two very different Roth situations. Wife: No Traditional IRA. No rollovers. She does a regular Backdoor Roth every year. Simple. No pro-rata issues. Husband: Years ago he rolled an old 401(k) into a Traditional IRA for more control over his investments. Great for investment control. Not ideal for Backdoor Roths. Because of the pro-rata rule any Roth conversion would be mostly taxable. He did not want to roll the money into his 401k So he assumed: Im locked out of Roth forever. Not exactly. Heres the nuance most people miss: Pro-rata rules are individual not" [X Link](https://x.com/zachmelloh26/status/1998848994991055123) 2025-12-10T20:15Z 25.5K followers, 7644 engagements "@baparish @HaasHawk Investment vehicles sure. Balances I mean sure if you want - but for what Are you going to discount a financial planner that makes less money and is younger than an old guy thats being slinging annuities for XX years and sitting on millions" [X Link](https://x.com/zachmelloh26/status/1998876707303076046) 2025-12-10T22:05Z 25.5K followers, XX engagements "Whats enough to retire Is $2M enough $3M $5M People talk about the number like it applies to everyone. It doesnt. It depends on your lifestyle. Couple A $2.4M saved Spending: $85k Home paid off Simple lifestyle. Moderate travel. No big upgrades planned. Their withdrawal rate is 3.5%. With Social Security theyre in great shape and could retire today. Couple B $6.8M saved Spending: $260k Big travel plans home projects gifting Their withdrawal rate is X% before Social Security. On paper they look set but they actually face more risk than Couple A. One bad sequence of returns could force cuts or" [X Link](https://x.com/zachmelloh26/status/1999200341078736911) 2025-12-11T19:31Z 25.5K followers, 11.8K engagements "Should you pay off your mortgage early or invest instead A couple recently faced this exact dilemma. They had $180k in cash and a $175k mortgage at 3.1%. Spouse #1: Lets just pay it off. I hate debt. I want the house free and clear. Spouse #2: No way. Why use cash to eliminate a X% loan when we could invest it at X% or more based on historical returns Both had valid points. Math said invest it. Their stress levels said pay it off. So they compromised and paid off half invested half improving cash flow and keeping their long-term plan on track. This decision isnt purely financial. Its" [X Link](https://x.com/zachmelloh26/status/1999237763611189708) 2025-12-11T22:00Z 25.5K followers, 14.8K engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@zachmelloh26 Zach Melloh, CFP®
Zach Melloh, CFP® posts on X about investment, if you, saving, $2m the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +120%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXXX -XX%
Mentions: XX #
- X Week XX +27%
- X Month XX -XX%
- X Months XXX +19%
- X Year XXXXX +24%
Followers: XXXXXX #
- X Week XXXXXX +0.15%
- X Month XXXXXX +0.24%
- X Months XXXXXX +4%
- X Year XXXXXX +33%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance XX%
Social topic influence investment #1359, if you 15%, saving 15%, $2m #33, insurance 10%, debt 10%, credit cards 10%, money 10%, $1m 5%, $880k X%
Top accounts mentioned or mentioned by @haashawk @neobyzantium @baparish @kevinbu21855632 @pika4bigred @financelancelot @njnjeeri @captrealestate @antpalm8 @kjadams1961 @betheboat @beavisbrandon2 @nysteve9999 @maxmusclemn @bgykpa @investor_jpd @calisurfsup @yello_bastard @keithkail
Top Social Posts
Top posts by engagements in the last XX hours
"A parent with a $2M IRA said: "We want to leave this equally to our two kids." Option 1: Leave the IRA as-is Split 50/50: $1M each Kid X is a teacher (12% bracket) keeps $880K Kid X is a doctor (37% bracket) keeps $630K Result: Same $2M but wildly unequal inheritance. Option 2: Roth conversions over several years Parents retired in lower brackets (1222%) Convert gradually to manage marginal rates and avoid RMD spikes Taxes are paid from cash outside the IRA Kids inherit the full $2M tax-free They can let it grow for XX years without paying taxes Outcome: Same $2M starting point but true equal"
X Link 2025-12-09T22:14Z 25.5K followers, 17.7K engagements
"Risk Management & Estate Planning Checklist: - Life insurance - Disability Insurance - Sufficient liability limits on property & casualty Insurance - Umbrella Insurance - Beneficiaries on accounts and insurance policies - Written will / potentially a trust - Powers of attorney - Medical directives - Named guardians provision Have you checked these off your list"
X Link 2025-12-09T19:12Z 25.5K followers, 4244 engagements
"If you enjoyed this thread be sure to like and bookmark the post above and follow me for more financial planning content"
X Link 2025-12-09T19:30Z 25.5K followers, XXX engagements
"John (42) and Lisa (40) earn $400K+ have two kids and a side hustle but were only contributing to Lisas 401(k) and living off her income. They were leaving serious tax savings on the table. What They Did: Reviewed their entity structure and implemented a solo 401(k) for Johns side hustle saving $10K in taxes in the first year. Adjusted 401(k) contributions so both were maxing out plans instead of relying solely on Lisas income (a mental accounting fix that improved long-term tax efficiency.) Aligned cash flow and investments across taxable and tax-advantaged accounts. Tax loss harvested some"
X Link 2025-12-09T19:56Z 25.5K followers, 3903 engagements
"If you enjoyed this thread be sure to like and bookmark the post above and follow me for more financial planning content"
X Link 2025-12-09T20:14Z 25.5K followers, XXX engagements
"Ava was XX a rising product lead in fintech. Her husband Noah XX was a software engineer earning a steady income. Together they made about $410K a year and had $190K sitting in cash across multiple accounts. Their mindset had always been: Well get organized when things calm down. Things never calmed down. What finally pushed them to take action was realizing how much opportunity they were losing to taxes inflation and lack of coordination. Their starting point: Ava maxed her 401(k) all pre-tax Noah contributed but inconsistently No Roth strategy for either of them HSA eligible but unused No"
X Link 2025-11-25T17:00Z 25.5K followers, 3943 engagements
"Sarah (34) earns $145k and has $2k/month to allocate. Credit cards at XX% Car loan at X% Mortgage at XXXX% 401(k) with a X% employer match One clean framework: 1.401(k) to the match first The employer match is among the highest-confidence returns available. X. Pay off 7%+ debt next Eliminating high-interest debt is often the best risk-adjusted move. 3.Dont rush to pay X% loans With short-term risk-free yields recently above X% keeping very low-rate debt can preserve liquidity without sacrificing expected return. X. XX% is the gray zone For the X% car loan she split it: XX% extra payments 50%"
X Link 2025-12-09T19:26Z 25.5K followers, 2153 engagements
"My ideal client: A moderate to high-earning family that wants to offload investment management and have a real financial plan. Ongoing balance sheet updates. Tax-efficient investing and strategy Long-term goal and scenario-based planning. Insurance + estate reviews. Education planning and more. Less guesswork. More clarity. One coordinated strategy"
X Link 2025-12-10T17:53Z 25.5K followers, 2153 engagements
"@HaasHawk Most people are not CFP's"
X Link 2025-12-10T20:22Z 25.5K followers, XX engagements
"In their early 30s John started earning $250k in big tech. Instead of just saving more he focused on how they saved. We optimized their asset allocation across all accounts aligned cash flow into 401(k) Roth HSA and brokerage accounts for both tax efficiency and future flexibility and regularly used tax-loss harvesting to reduce ongoing taxes. We also managed his equity compensation carefully balancing concentration risk timing sales for favorable tax treatment and integrating it into the broader plan. Along the way they put the fundamentals in place: Proper insurance coverage An estate plan"
X Link 2025-12-08T19:44Z 25.5K followers, 3974 engagements
"Bob is XX and sitting on $430000 of unrealized capital gains. If he sells today: XX% federal capital gains tax $64500 (state taxes could apply). If he holds until death: His heirs receive a step-up in basis. No capital gains tax on those gains if the heirs sold (as long as no additional gain occurs after step up) That doesnt mean never sell. It means the decision depends on: Spending needs Risk tolerance Estate size (estate tax exposure) Concentration risk State taxes But when assets arent needed during life Sometimes the most tax-efficient move is doing nothing and letting heirs inherit with"
X Link 2025-12-10T22:00Z 25.5K followers, 4963 engagements
"10 Popular money myths debunked: More credit cards = better score Its more about on-time payments low usage and long history. not card count. Big tax refund = smart It usually means you overpaid the IRS. Renting = throwing money away Flexibility + low maintenance can make it the smarter choice. High income = wealth Wealth comes from saving and investing not just earning. Dont invest until debt-free Many build more by doing both. A will = complete planning You also need beneficiaries POAs and sometimes a trust. Maxing a 401(k) = set for retirement You still need tax and withdrawal planning."
X Link 2025-12-01T20:19Z 25.5K followers, 2251 engagements
"A married high-earning couple. Two very different Roth situations. Wife: No Traditional IRA. No rollovers. She does a regular Backdoor Roth every year. Simple. No pro-rata issues. Husband: Years ago he rolled an old 401(k) into a Traditional IRA for more control over his investments. Great for investment control. Not ideal for Backdoor Roths. Because of the pro-rata rule any Roth conversion would be mostly taxable. He did not want to roll the money into his 401k So he assumed: Im locked out of Roth forever. Not exactly. Heres the nuance most people miss: Pro-rata rules are individual not"
X Link 2025-12-10T20:15Z 25.5K followers, 7644 engagements
"@baparish @HaasHawk Investment vehicles sure. Balances I mean sure if you want - but for what Are you going to discount a financial planner that makes less money and is younger than an old guy thats being slinging annuities for XX years and sitting on millions"
X Link 2025-12-10T22:05Z 25.5K followers, XX engagements
"Whats enough to retire Is $2M enough $3M $5M People talk about the number like it applies to everyone. It doesnt. It depends on your lifestyle. Couple A $2.4M saved Spending: $85k Home paid off Simple lifestyle. Moderate travel. No big upgrades planned. Their withdrawal rate is 3.5%. With Social Security theyre in great shape and could retire today. Couple B $6.8M saved Spending: $260k Big travel plans home projects gifting Their withdrawal rate is X% before Social Security. On paper they look set but they actually face more risk than Couple A. One bad sequence of returns could force cuts or"
X Link 2025-12-11T19:31Z 25.5K followers, 11.8K engagements
"Should you pay off your mortgage early or invest instead A couple recently faced this exact dilemma. They had $180k in cash and a $175k mortgage at 3.1%. Spouse #1: Lets just pay it off. I hate debt. I want the house free and clear. Spouse #2: No way. Why use cash to eliminate a X% loan when we could invest it at X% or more based on historical returns Both had valid points. Math said invest it. Their stress levels said pay it off. So they compromised and paid off half invested half improving cash flow and keeping their long-term plan on track. This decision isnt purely financial. Its"
X Link 2025-12-11T22:00Z 25.5K followers, 14.8K engagements