# ![@nathanielsford Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::836753776459538434.png) @nathanielsford Nathaniel S. Ford

Nathaniel S. Ford posts on X about money, health, financial planner, finance the most. They currently have [-----] followers and [----] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::836753776459538434/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::836753776459538434/c:line/m:interactions.svg)

- [--] Week [-------] -58%
- [--] Month [-------] +678%
- [--] Months [---------] +1,272,792%
- [--] Year [---------] +1,933,869%

### Mentions: [--] [#](/creator/twitter::836753776459538434/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::836753776459538434/c:line/m:posts_active.svg)

- [--] Week [--] -69%
- [--] Month [---] +117%
- [--] Months [-----] +75,100%
- [--] Year [-----] +150,500%

### Followers: [-----] [#](/creator/twitter::836753776459538434/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::836753776459538434/c:line/m:followers.svg)

- [--] Week [-----] +9.80%
- [--] Month [-----] +66%
- [--] Months [-----] +799%
- [--] Year [-----] +537%

### CreatorRank: [-------] [#](/creator/twitter::836753776459538434/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::836753776459538434/c:line/m:influencer_rank.svg)

### Social Influence

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

**Social topic influence**
[money](/topic/money), [health](/topic/health), [financial planner](/topic/financial-planner), [finance](/topic/finance), [if you](/topic/if-you), [business](/topic/business), [debt](/topic/debt) #2144, [kalshi](/topic/kalshi), [financial](/topic/financial) #3379, [investment](/topic/investment)

**Top accounts mentioned or mentioned by**
[@mrnqdc](/creator/undefined) [@themattviera](/creator/undefined) [@kalshi](/creator/undefined) [@unusualwhales](/creator/undefined) [@investingaddict](/creator/undefined) [@elijahcoleman21](/creator/undefined) [@riddlesphere](/creator/undefined) [@thebrilliantbu1](/creator/undefined) [@danieldinoia](/creator/undefined) [@eshasik1](/creator/undefined) [@kobeissiletter](/creator/undefined) [@loveleesfinance](/creator/undefined) [@danjstefanski](/creator/undefined) [@realmoneyblog](/creator/undefined) [@investorjelle](/creator/undefined) [@msbinvests](/creator/undefined) [@thegreatjiri](/creator/undefined) [@bitcointeej](/creator/undefined) [@jordanmthy](/creator/undefined) [@robstonks1](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Tesla, Inc. (TSLA)](/topic/tesla) [Robinhood Markets, Inc.  (HOOD)](/topic/$hood) [Caught in 4K (4K)](/topic/$4k)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Consistency is key. Whether it's in business fitness or personal development small daily actions add up to significant results"  
[X Link](https://x.com/nathanielsford/status/1725197101611597928)  2023-11-16T17:00Z [---] followers, [--] engagements


"2. Fitness: Regular efficient workouts tailored to your body type and goals. No one size fits all here. [--]. Sleep: It's not just about quantity it's about quality too. Uninterrupted sleep is the key to rejuvenation"  
[X Link](https://x.com/nathanielsford/status/1725861479033848166)  2023-11-18T13:00Z [---] followers, [--] engagements


"4. Mindfulness: Mental health is often neglected. Daily meditation or simple mindfulness exercises can go a long way. [--]. Hydration: Water is life. Keep that engine well-oiled and running smoothly"  
[X Link](https://x.com/nathanielsford/status/1725861482049527971)  2023-11-18T13:00Z [---] followers, [--] engagements


"@liamsandford This is a really great approach to getting more consistent and comfortable speaking"  
[X Link](https://x.com/nathanielsford/status/1726256107738562897)  2023-11-19T15:08Z [---] followers, [--] engagements


"Be cautious of fad diets or quick-fix weight loss programs that may be unsustainable or unhealthy"  
[X Link](https://x.com/nathanielsford/status/1726586271806390598)  2023-11-20T13:00Z [---] followers, [--] engagements


"Embrace a growth mindset and believe in your ability to learn and develop throughout life"  
[X Link](https://x.com/nathanielsford/status/1727311072338616344)  2023-11-22T13:00Z [---] followers, [--] engagements


"@GirkZackry Great job setting that boundary bro"  
[X Link](https://x.com/nathanielsford/status/1727312761485746308)  2023-11-22T13:07Z [---] followers, [--] engagements


"@GirkZackry Definitely. Self awareness is key 🔑"  
[X Link](https://x.com/nathanielsford/status/1727356216442233082)  2023-11-22T15:59Z [---] followers, [--] engagements


"@themikelamb I like this Mike great tip"  
[X Link](https://x.com/nathanielsford/status/1728144133636645305)  2023-11-24T20:10Z [---] followers, [--] engagements


"@writes_eve Living legend 🐐way to be a blueprint"  
[X Link](https://x.com/nathanielsford/status/1728144465183826293)  2023-11-24T20:12Z [---] followers, [--] engagements


"Solid advice 📌"  
[X Link](https://x.com/nathanielsford/status/1728144592359325906)  2023-11-24T20:12Z [---] followers, [--] engagements


"Take responsibility for your own happiness and well-being"  
[X Link](https://x.com/nathanielsford/status/1728458578510393736)  2023-11-25T17:00Z [---] followers, [--] engagements


"@itsedaxe Business"  
[X Link](https://x.com/nathanielsford/status/1729094401425809768)  2023-11-27T11:06Z [---] followers, [--] engagements


"@AlexMkWrites That always helps speed up the learning curve"  
[X Link](https://x.com/nathanielsford/status/1729216997169533133)  2023-11-27T19:13Z [---] followers, [--] engagements


"Practice proper recovery techniques such as foam rolling and stretching to prevent muscle soreness and enhance performance"  
[X Link](https://x.com/nathanielsford/status/1729273963115671911)  2023-11-27T23:00Z [---] followers, [--] engagements


"@GirkZackry Same to an extent. Ive lost some weight/ fat to improve performance over the past few months. Favorite meal"  
[X Link](https://x.com/nathanielsford/status/1729514151058301055)  2023-11-28T14:54Z [---] followers, [--] engagements


"The gym is a powerhouse It's where hard work dedication planning and consistency pay off big time. You'll see your efforts transform into visible results that ignite a fire within awakening untapped potential in many. 🔥"  
[X Link](https://x.com/nathanielsford/status/1729515563561439588)  2023-11-28T15:00Z [---] followers, [--] engagements


"My deep work playlist: J Cole: Friday Night Lights"  
[X Link](https://x.com/nathanielsford/status/1729847756217368673)  2023-11-29T13:00Z [---] followers, [--] engagements


"The time needed for effective training is often overestimated. A 20-set workout can be completed in under [--] minutes with ease. The belief that achieving fitness demands prolonged hours at the gym is entirely false"  
[X Link](https://x.com/nathanielsford/status/1730602732963111081)  2023-12-01T15:00Z [---] followers, [--] engagements


"@storeycopy Quick and efficient glad to hear bro"  
[X Link](https://x.com/nathanielsford/status/1730719439002157237)  2023-12-01T22:44Z [---] followers, [--] engagements


"I've recently come to the conclusion that neglecting your health is a selfish act"  
[X Link](https://x.com/nathanielsford/status/1731085883065946446)  2023-12-02T23:00Z [---] followers, [--] engagements


"Top skin-friendly foods include: Salmon Eggs Liver Blueberries Avocados Bone broth"  
[X Link](https://x.com/nathanielsford/status/1731327507343737331)  2023-12-03T15:00Z [---] followers, [--] engagements


"@jwginn Depends on where you shop for groceries. Id be happy to provide a recommendation- where do you normally get groceries"  
[X Link](https://x.com/nathanielsford/status/1731335763705393299)  2023-12-03T15:33Z [---] followers, [--] engagements


"Congrats Brandon 🥂 just joined loved your origin story btw"  
[X Link](https://x.com/nathanielsford/status/1732466726502089047)  2023-12-06T18:27Z [---] followers, [---] engagements


"Boost your mood: -AM stroll -Coffee with l-theanine -Concentrated work -Nourishing foods -Intense gym session -30-min sun exposure -Another walk -Reading -Socializing -Quality sleep"  
[X Link](https://x.com/nathanielsford/status/1733471604795899976)  2023-12-09T13:00Z [---] followers, [--] engagements


"As you age it becomes even more crucial to prioritize physical fitness. Regrettably this contradicts what most individuals tend to do"  
[X Link](https://x.com/nathanielsford/status/1734709801278427353)  2023-12-12T23:00Z [---] followers, [--] engagements


"The modern 1%: Self-learned Exceptionally skilled Emotionally astute Fit and robust High in energy Centers on internal mastery Minimal focus on external factors Works remotely Establishes social influence"  
[X Link](https://x.com/nathanielsford/status/1735313810896924784)  2023-12-14T15:00Z [---] followers, [--] engagements


"@TimSRD_ lol not the Bugatti 😂"  
[X Link](https://x.com/nathanielsford/status/1735340960832245988)  2023-12-14T16:48Z [---] followers, [--] engagements


"Unlock the secret to longevity with these amazing foods: 🦪 Oysters: Boost your vitality and nourish your body. 🐄 Liver & other organ meats: Enhance your health from the inside out. 🍇 Pomegranate: Fuel your cells with powerful antioxidants"  
[X Link](https://x.com/nathanielsford/status/1735645969138540775)  2023-12-15T13:00Z [---] followers, [--] engagements


"🦌 Game meats: Dive into the flavors of nature for optimal well-being. 🐐 Goat kefir/fermented foods: Cultivate a strong gut and immune system. 🥩 Animal fats: Embrace the richness of good fats for a thriving body"  
[X Link](https://x.com/nathanielsford/status/1735645972481400891)  2023-12-15T13:00Z [---] followers, [--] engagements


"🫐 Blueberries: Supercharge your brain and promote graceful aging. 🍄 Mushrooms: Tap into their medicinal properties for a vibrant life. Discover the ultimate nutrition for longevity 🌟"  
[X Link](https://x.com/nathanielsford/status/1735645975492931603)  2023-12-15T13:00Z [---] followers, [--] engagements


"Weight loss isn't solely tied to exercising; it hinges on your dietary choices"  
[X Link](https://x.com/nathanielsford/status/1736431167866343470)  2023-12-17T17:00Z [---] followers, [--] engagements


"As we approach the end of the year it's a great time to reflect on our goals and set new intentions: [--]. Reflect on Your Achievements: Take stock of your accomplishments and acknowledge how far you've come"  
[X Link](https://x.com/nathanielsford/status/1737246512814461305)  2023-12-19T23:00Z [---] followers, [--] engagements


"2. Set New Goals: Define what you want to achieve in the coming year and break them down into actionable steps"  
[X Link](https://x.com/nathanielsford/status/1737246515951747582)  2023-12-19T23:00Z [---] followers, [--] engagements


"3. Declutter Your Space: Clear out physical clutter to create a sense of calm and focus in your environment"  
[X Link](https://x.com/nathanielsford/status/1737246518850040003)  2023-12-19T23:00Z [---] followers, [--] engagements


"4. Practice Gratitude: Take time each day to appreciate the things you are grateful for in your life"  
[X Link](https://x.com/nathanielsford/status/1737246521903448140)  2023-12-19T23:00Z [---] followers, [--] engagements


"5. Learn a New Skill: Challenge yourself by acquiring a new skill or hobby that interests you"  
[X Link](https://x.com/nathanielsford/status/1737246524805955851)  2023-12-19T23:00Z [---] followers, [--] engagements


"6. Read Books: Choose books that inspire and educate you and make time for regular reading"  
[X Link](https://x.com/nathanielsford/status/1737246528031322583)  2023-12-19T23:00Z [---] followers, [--] engagements


"7. Prioritize Self-Care: Schedule time for self-care activities that nourish your mind body and soul"  
[X Link](https://x.com/nathanielsford/status/1737246530942140846)  2023-12-19T23:00Z [---] followers, [--] engagements


"8. Try a New Exercise Routine: Explore different types of workouts to keep your fitness routine fresh and exciting"  
[X Link](https://x.com/nathanielsford/status/1737246533865590858)  2023-12-19T23:00Z [---] followers, [--] engagements


"9. Plan a Trip: Research and plan a future trip that you can look forward to when the time is right"  
[X Link](https://x.com/nathanielsford/status/1737246536805822698)  2023-12-19T23:00Z [---] followers, [--] engagements


"10. Start a Journal: Write down your thoughts dreams and experiences to gain clarity and self-reflection"  
[X Link](https://x.com/nathanielsford/status/1737246539712479639)  2023-12-19T23:00Z [---] followers, [--] engagements


"11. Connect with Loved Ones: Reach out to family and friends and strengthen your relationships"  
[X Link](https://x.com/nathanielsford/status/1737246542606557694)  2023-12-19T23:00Z [---] followers, [--] engagements


"12. Volunteer: Give back to your community by offering your time and skills to a cause that aligns with your values"  
[X Link](https://x.com/nathanielsford/status/1737246545680937244)  2023-12-19T23:00Z [---] followers, [--] engagements


"13. Learn to Meditate: Cultivate mindfulness and inner peace through a regular meditation practice"  
[X Link](https://x.com/nathanielsford/status/1737246548608663616)  2023-12-19T23:00Z [---] followers, [--] engagements


"14. Create a Budget: Take control of your finances by reviewing your expenses and creating a budgeting plan"  
[X Link](https://x.com/nathanielsford/status/1737246551582327006)  2023-12-19T23:00Z [---] followers, [--] engagements


"15. Dedicate Time for Creativity: Engage in creative activities that allow you to express yourself such as painting writing or playing music"  
[X Link](https://x.com/nathanielsford/status/1737246554929402141)  2023-12-19T23:00Z [---] followers, [--] engagements


"16. Take a Digital Detox: Disconnect from technology for a designated period each day to focus on real-life experiences"  
[X Link](https://x.com/nathanielsford/status/1737246557932585074)  2023-12-19T23:00Z [---] followers, [--] engagements


"17. Improve Your Time Management: Identify time-wasting habits and implement strategies to enhance productivity"  
[X Link](https://x.com/nathanielsford/status/1737246560730149009)  2023-12-19T23:00Z [---] followers, [--] engagements


"18. Explore New Cuisine: Try cooking or tasting dishes from different cultures to expand your culinary horizons"  
[X Link](https://x.com/nathanielsford/status/1737246563544535339)  2023-12-19T23:00Z [---] followers, [--] engagements


"19. Network: Connect with professionals in your field or attend networking events to broaden your professional circle"  
[X Link](https://x.com/nathanielsford/status/1737246566493122880)  2023-12-19T23:00Z [---] followers, [--] engagements


"20: Create a Personal Development Plan: Strategize and plan out your next year"  
[X Link](https://x.com/nathanielsford/status/1737246569554931884)  2023-12-19T23:00Z [---] followers, [--] engagements


"Client acquisition is only half the battle. Success lies in retaining your clients"  
[X Link](https://x.com/nathanielsford/status/1836206382615322847)  2024-09-18T00:51Z [---] followers, [--] engagements


"Entrepreneurship is about creating your own path solving problems and living a life of purpose. But many never make it past employee mindset"  
[X Link](https://x.com/nathanielsford/status/1944758832044839096)  2025-07-14T14:00Z [---] followers, [--] engagements


"Jobs provide stability and comfort but they dont offer growth. Entrepreneurship offers uncertainty but unlimited growth"  
[X Link](https://x.com/nathanielsford/status/1946963383296672011)  2025-07-20T16:00Z [---] followers, [--] engagements


"Some overlooked careers with limited schooling that still make bank: Sheriff Sonographer Dental Hygienist X-ray Technology Elevator Technician Radiation Therapist You dont need Wall Street just a skill that compounds. Top careers if you want to stack serious Bitcoin: Cybersecurity Cloud engineering Applied intelligence Defense contracting Data analytics Each pays $90K$150K+ and compounds faster than inflation. High income high accumulation. Top careers if you want to stack serious Bitcoin: Cybersecurity Cloud engineering Applied intelligence Defense contracting Data analytics Each pays"  
[X Link](https://x.com/nathanielsford/status/1985149937445699801)  2025-11-03T01:00Z [---] followers, [--] engagements


"Books that sharpen your money mind: The Intelligent Investor Benjamin Graham The Psychology of Money Morgan Housel One Up on Wall Street Peter Lynch The Little Book of Common Sense Investing John C. Bogle Financial freedom is built on pages turned"  
[X Link](https://x.com/nathanielsford/status/1985417110739149264)  2025-11-03T18:41Z [---] followers, [--] engagements


"The financial planning industry was built for the wealthy. Not intentionally but structurally. If you didnt have $250K+ in assets you were told to come back later. But the next generation isnt waiting:"  
[X Link](https://x.com/nathanielsford/status/1985859316604182529)  2025-11-04T23:58Z [---] followers, [----] engagements


"Thats why the fee-for-service model matters. It shifts advice from a privilege to a partnership"  
[X Link](https://x.com/nathanielsford/status/1985860383874130340)  2025-11-05T00:03Z [---] followers, [--] engagements


"You dont need wealth to start. You need willingness. Its financial planning that meets people where they are. Not where their portfolio is"  
[X Link](https://x.com/nathanielsford/status/1985860877350846757)  2025-11-05T00:05Z [---] followers, [--] engagements


"The fee-for-service model isnt just a business shift. Its a belief shift:    . Thats the future. And its already here. 🌅"  
[X Link](https://x.com/nathanielsford/status/1985863652558180535)  2025-11-05T00:16Z [---] followers, [--] engagements


"If this thread brought you value please like comment and share the first post. I write about: * Money & Mental Wellness * Financial Planning for Families * Building Wealth with Purpose Follow @Nathanielsford for insights on money and purpose"  
[X Link](https://x.com/nathanielsford/status/1985864161666966000)  2025-11-05T00:18Z [---] followers, [--] engagements


"@Bitcoin_Teej Healthy perspective 🐐"  
[X Link](https://x.com/nathanielsford/status/1986031069863248329)  2025-11-05T11:21Z [---] followers, [---] engagements


"@unusual_whales Gen Z isnt bad with money theyre surviving in an economy that punishes starting late. Debt is no longer a moral failure; its a symptom of rising costs stagnant wages and financial anxiety"  
[X Link](https://x.com/nathanielsford/status/1986070522770395579)  2025-11-05T13:58Z [---] followers, [----] engagements


"@BrendonBPorter @unusual_whales On a human level its the same dynamic we see in relationships: when trust erodes and needs go unmet resentment replaces communication. Collective frustration is just individual hurt multiplied"  
[X Link](https://x.com/nathanielsford/status/1986075512780062729)  2025-11-05T14:17Z [---] followers, [--] engagements


"Over time those small conversations build something rare:  Its not about being rich. Its about knowing youre rowing in the same direction"  
[X Link](https://x.com/nathanielsford/status/1986116371948716295)  2025-11-05T17:00Z [---] followers, [--] engagements


"Money can divide a family or deepen its bond. It depends on how willing you are to make it a conversation Instead of a competition"  
[X Link](https://x.com/nathanielsford/status/1986116375090233673)  2025-11-05T17:00Z [---] followers, [--] engagements


"@KobeissiLetter Behind the headlines are real people: business owners workers families all waiting to see how this ruling changes costs and confidence. Markets run on emotion as much as math. This decision will test both"  
[X Link](https://x.com/nathanielsford/status/1986148361536262381)  2025-11-05T19:07Z [---] followers, [----] engagements


"@olsonplanner Exactly thats the benefit of flat-fee planning. You get paid for guidance not asset retention. The next decade of financial planning is about clarity transparency and human connection .not percentages and products"  
[X Link](https://x.com/nathanielsford/status/1986169346868359625)  2025-11-05T20:30Z [---] followers, [---] engagements


"@olsonplanner Also for what its worth Im studying to be a therapist currently (in addition to being a financial planner) but I stayed up late the past two nights to watch Advice Residency - solid work"  
[X Link](https://x.com/nathanielsford/status/1986169688871600354)  2025-11-05T20:32Z [---] followers, [---] engagements


"Building wealth is about investing. Retirement is about letting yourself spend.      "  
[X Link](https://x.com/nathanielsford/status/1986253753813471402)  2025-11-06T02:06Z [---] followers, [--] engagements


"@HEyehawk24 @KobeissiLetter Care to elaborate on why you feel its 100% Thats kinda step dont you think 🤔 100% leaves no room for any other ideas"  
[X Link](https://x.com/nathanielsford/status/1986417481800466867)  2025-11-06T12:56Z [---] followers, [---] engagements


"@unusual_whales Consumers always end up carrying the weight. When tariffs rise prices ripple through the entire supply chain: groceries essentials and everyday goods quietly get more expensive. For families already stretched thin this isnt just policyits too much"  
[X Link](https://x.com/nathanielsford/status/1986438188710437132)  2025-11-06T14:19Z [---] followers, [---] engagements


"@jordanmthy Pretty solid list. Mine is becoming a therapist and financial planner While opening a physical mental health clinic in Tampa And building a [--] figure RIA (asset management firm)"  
[X Link](https://x.com/nathanielsford/status/1986563207884894435)  2025-11-06T22:35Z [---] followers, [--] engagements


"@jackiekenoyer Yea in the mental health capacity I work with clients in addiction recovery Money plays a vital role in fueling their recovery reclaiming independence and becoming self sufficient Hopefully Monarch doesnt give you any issues (but if it does they have very response support)"  
[X Link](https://x.com/nathanielsford/status/1986573183005118899)  2025-11-06T23:15Z [---] followers, [--] engagements


"Most people dont make money decisions from just one place. Its not just logic not just behavior and not just mindset. Its history culture emotion family patterns and financial habits all woven together"  
[X Link](https://x.com/nathanielsford/status/1986600366578815278)  2025-11-07T01:03Z [---] followers, [--] engagements


"Thats why a single approachbudgeting investing mindsetwill always fall short. Real financial change comes from integrating all the lenses: the numbers the psychology and the lived experiences shaping both. Money isnt one-dimensional. Your plan shouldnt be either"  
[X Link](https://x.com/nathanielsford/status/1986601169829986326)  2025-11-07T01:06Z [---] followers, [--] engagements


"A lot of people jump into trading looking for a shortcut so I get where youre coming from. But the deeper issue is that many are trying to trade before theyve built the financial stability emotional regulation or risk tolerance to handle it. Appreciate you sharing knowledge Respectfully if u cant afford $383 or $799 you should not be looking to trade SPX . I mean this with the most respect. Im not here to sell the impossible This is real knowledge tears sweat stress blown ports to now thriving and consistency & wisdom in the charts ✨🫶🏽 Respectfully if u cant afford $383 or $799 you should"  
[X Link](https://x.com/nathanielsford/status/1986605319288442964)  2025-11-07T01:23Z [---] followers, [---] engagements


"we would love to see that JUST IN: Trump says $2 gas is coming back JUST IN: Trump says $2 gas is coming back"  
[X Link](https://x.com/nathanielsford/status/1986605992012808233)  2025-11-07T01:25Z [---] followers, [--] engagements


"Before marriage have the real conversations: Faith Money Careers Family roles Past wounds Health history Parenting styles Long-term goals Sex expectations What you want to teach your kids Love matters. But alignment matters more"  
[X Link](https://x.com/nathanielsford/status/1986780735949128077)  2025-11-07T13:00Z [---] followers, [---] engagements


"@unusual_whales Tariffs dont stay on paper. They show up in higher food higher goods and higher tension in the household budget. When over 70% gets passed through consumers end up carrying the emotional and financial weight"  
[X Link](https://x.com/nathanielsford/status/1986783111095689324)  2025-11-07T13:09Z [---] followers, [----] engagements


"@KobeissiLetter Allegations like this reveal a bigger issue: Americans across the board are frustrated with how much easier wealth seems to grow inside government than outside of it. The deeper conversation isnt about one person: its about transparency access and trust"  
[X Link](https://x.com/nathanielsford/status/1986790887557657043)  2025-11-07T13:40Z [---] followers, [----] engagements


"@Kalshi Most ppl arent held back by lack of knowledge theyre held back by emotional resistance. Fear of judgment. Fear of inconsistency. Fear of choosing the wrong thing. Fear of slowing down long enough to build something real besides a job"  
[X Link](https://x.com/nathanielsford/status/1986816739955687692)  2025-11-07T15:23Z [---] followers, [---] engagements


"The big lesson:   .   . Early retirees win because they understand the difference"  
[X Link](https://x.com/nathanielsford/status/1986908053615112572)  2025-11-07T21:26Z [---] followers, [--] engagements


"If you learned something from this thread like and share the first post.  : Financial planning that creates choices Money psychology & behavioral wealth Building a life you dont need to escape Follow @Nathanielsford for more on money purpose and long-term freedom"  
[X Link](https://x.com/nathanielsford/status/1986908538271134086)  2025-11-07T21:28Z [---] followers, [--] engagements


"@unusual_whales Job insecurity activates fear scarcity and old money wounds people thought theyd outgrown. When income feels uncertain nervous system responses take over: tightening spending out of anxiety feeling guilt for every purchase catastrophizing worst-case scenarios"  
[X Link](https://x.com/nathanielsford/status/1986916475228332105)  2025-11-07T21:59Z [---] followers, [----] engagements


"In a time of mass layoffs and AI disruption the most recession-proof move isn't a new job. It's stacking rare transferable skills that compound. The people who win next arent the most qualified. Theyre the most useful across systems. Learn to: Sell Build Automate Communicate Think clearly under pressure Stack those You're never unemployed. You're undeniable"  
[X Link](https://x.com/nathanielsford/status/1986947741742715235)  2025-11-08T00:03Z [---] followers, [--] engagements


"A couple came to me terrified theyd run out of money Despite having $1.5M invested no debt two incomes two homes and Social Security. Fear doesnt care about your net worth. Heres what financial planning revealed:"  
[X Link](https://x.com/nathanielsford/status/1987143133080015066)  2025-11-08T13:00Z [---] followers, [---] engagements


"@KalshiEco @Kalshi @theduckguesses He turned a hobby into a high-leverage skill by staying curious and plugged into a community. Its a reminder that unique wins often come from following your natural interests"  
[X Link](https://x.com/nathanielsford/status/1987194596149862817)  2025-11-08T16:24Z [---] followers, [---] engagements


"@KobeissiLetter Behind charts like this are families who feel squeezed. Housing groceries childcare etc everything gets harder when money expands faster than economic growth. People arent imagining the pressure; its built into the system"  
[X Link](https://x.com/nathanielsford/status/1987198207802101985)  2025-11-08T16:39Z [---] followers, [----] engagements


"@WatcherGuru When institutions like JPMorgan start disclosing nine-figure Bitcoin ETF positions its a signal: crypto is no longer a fringe asset its becoming part of mainstream portfolio construction"  
[X Link](https://x.com/nathanielsford/status/1987232975168365043)  2025-11-08T18:57Z [---] followers, [--] engagements


"@Investments_CEO A near-unanimous push for a December cut suggests the Fed sees more risk in staying tight than easing. The question now is how quickly they move not whether they move"  
[X Link](https://x.com/nathanielsford/status/1987233549695484294)  2025-11-08T18:59Z [---] followers, [---] engagements


"@unusual_whales When central bank officials start warning about a lower standard of living it usually reflects long-running structural issues: productivity housing costs and wagesnot a sudden shock"  
[X Link](https://x.com/nathanielsford/status/1987234176290963658)  2025-11-08T19:02Z [---] followers, [----] engagements


"@BitcoinArchive A $345M loss over a disclosure mistake is a harsh reminder: in crypto custody and documentation matter just as much as market strategy"  
[X Link](https://x.com/nathanielsford/status/1987235650383270220)  2025-11-08T19:07Z [---] followers, [---] engagements


"@GatewatchHQ @KobeissiLetter (For me) since you asked. My focus would stay on discipline: automated contributions broad diversification and rebalancing I wouldnt concern myself with institutional sentiment"  
[X Link](https://x.com/nathanielsford/status/1987254476592325081)  2025-11-08T20:22Z [---] followers, [---] engagements


"@unusual_whales The most powerful part of this isnt the word tokenize. Its the fact that the largest asset manager on earth is saying it out loud. Its the beginning of a structural shift not the end of one. The rails of finance are changing in slow motion"  
[X Link](https://x.com/nathanielsford/status/1987255598291763380)  2025-11-08T20:27Z [---] followers, [----] engagements


"@KobeissiLetter A +1854% surge in data-center debt doesnt happen when things are steady. Thats the kind of leverage curve you see when everyone is racing and nobody wants to blink. Booms are built on credit and so are busts"  
[X Link](https://x.com/nathanielsford/status/1987265106552467667)  2025-11-08T21:04Z [---] followers, [----] engagements


"@KobeissiLetter A 50-year mortgage doesnt make housing more affordable; it just stretches the pain over a longer timeline. Lower payments higher lifetime interest and a deeper dependence on debt. When policy solves price by extending terms its a sign the real issue isnt being fixed"  
[X Link](https://x.com/nathanielsford/status/1987265604282425701)  2025-11-08T21:06Z [---] followers, 57.3K engagements


"@unusual_whales Longer mortgages dont relieve financial stress they delay it. If the only way to afford a home is by adding [--] extra years of debt that says more about the system than the buyer. People need stability not decades of extended obligation"  
[X Link](https://x.com/nathanielsford/status/1987267784552702135)  2025-11-08T21:15Z [---] followers, 26.1K engagements


"@TheGuard_x1 @KobeissiLetter Appreciate you adding to the conversation. Curious about your thoughts on the interest (attached to those payments)"  
[X Link](https://x.com/nathanielsford/status/1987284852018679902)  2025-11-08T22:23Z [---] followers, [---] engagements


"@Barchart This gap tells you what investors are paying for: stability cash flow and visibility. When rates stay high and uncertainty stays elevated capital crowds into the biggest balance sheets. Not advicejust what the market is showing"  
[X Link](https://x.com/nathanielsford/status/1987292925160792508)  2025-11-08T22:55Z [---] followers, [---] engagements


"@degenerateMew2 @KobeissiLetter How is your Saturday going bro"  
[X Link](https://x.com/nathanielsford/status/1987293169097003510)  2025-11-08T22:56Z [---] followers, [---] engagements


"@FluentInFinance A 50-year mortgage basically says: We cant make homes cheaper but we can make your grandkids finish the payments. Innovative I guess"  
[X Link](https://x.com/nathanielsford/status/1987301286480314540)  2025-11-08T23:28Z [---] followers, [----] engagements


"@unusual_whales I need food . But your 401k "  
[X Link](https://x.com/nathanielsford/status/1987309690280087762)  2025-11-09T00:02Z [---] followers, [----] engagements


"@Barchart This is why so many households feel stretched even when inflation is cooling. The categories people emotionally rely on: food healthcare insurance are rising fastest. The areas falling arent the ones families anchor their budgets to"  
[X Link](https://x.com/nathanielsford/status/1987340935475372290)  2025-11-09T02:06Z [---] followers, [---] engagements


"@TheMoneyApe Markets usually prefer shutdowns ending it reduces risk supports consumer confidence and stabilizes federal spending flow. but the structural fiscal issues causing these repeated standoffs are still unresolved"  
[X Link](https://x.com/nathanielsford/status/1987501773720879510)  2025-11-09T12:45Z [---] followers, [---] engagements


"@FranWalsh73 Were watching a generation wake up to the mismatch between the cost of education and the life it actually creates. Eventually people stop paying for identity and start paying for impact. Trade schools: plumbing electrical Start businesses"  
[X Link](https://x.com/nathanielsford/status/1987509863539261562)  2025-11-09T13:17Z [---] followers, [--] engagements


"If the Fed starts growing the balance sheet again it signals a shift from tightening to support. Liquidity returning to the system often lifts asset prices but it also tells you the economy may need help staying stable: 🚨 DEUTSCHE BANK EXPECTS FED TO START GROWING BALANCE SHEET IN Q1. https://t.co/uzmZ3PSbhd 🚨 DEUTSCHE BANK EXPECTS FED TO START GROWING BALANCE SHEET IN Q1. https://t.co/uzmZ3PSbhd"  
[X Link](https://x.com/nathanielsford/status/1987517004316614795)  2025-11-09T13:45Z [---] followers, [--] engagements


"@Michael36X @unusual_whales I understand that and appreciate your input. But Ive also seen the interest associated with this and its not worth $200 in cash flow for a cheaper mortgage payment But $300k-$500k in additional interest paid over lifetime of loan Nah"  
[X Link](https://x.com/nathanielsford/status/1987518610458247479)  2025-11-09T13:52Z [---] followers, [---] engagements


"@KobeissiLetter Follow me for grounded market commentary financial planning insights and the psychology behind money decisions. I work at the intersection of wealth family and mental health"  
[X Link](https://x.com/nathanielsford/status/1987520708767830383)  2025-11-09T14:00Z [---] followers, [--] engagements


"@unusual_whales Follow me for grounded market commentary financial planning insights and the psychology behind money decisions. I work at the intersection of wealth family and mental health"  
[X Link](https://x.com/nathanielsford/status/1987520873683906584)  2025-11-09T14:01Z [---] followers, [--] engagements


"@KobeissiLetter People hear messages like this and feel hopeful money directly to us. But healthcare is complex. Financial stress doesnt disappear unless the system becomes clearer more predictable and less punishing. Direct payments alone wont fix that"  
[X Link](https://x.com/nathanielsford/status/1987522304210006494)  2025-11-09T14:06Z [---] followers, [----] engagements


"@MorningBrew A $2000 check is great until you realize you already paid for it in higher prices"  
[X Link](https://x.com/nathanielsford/status/1987527891777642828)  2025-11-09T14:29Z [---] followers, 190.1K engagements


"@Polymarket This shutdown has hit people emotionally and financially. From missed paychecks uncertainty and fear about bills all stacked up. Even if the government reopens the stress ripple lasts much longer than the shutdown itself. Smh"  
[X Link](https://x.com/nathanielsford/status/1987529308600963135)  2025-11-09T14:34Z [---] followers, [---] engagements


"The longer this drags on the more financial strain builds for families contractors and federal workers: JUST IN: The U.S. Government shutdown is projected to last until November 20th. That would make the shutdown [--] days long by far the longest shutdown in history. https://t.co/0LNdczxOGz JUST IN: The U.S. Government shutdown is projected to last until November 20th. That would make the shutdown [--] days long by far the longest shutdown in history. https://t.co/0LNdczxOGz"  
[X Link](https://x.com/nathanielsford/status/1987529457721287107)  2025-11-09T14:35Z [---] followers, [---] engagements


"@charliebilello When people fall behind on payments its rarely just bad budgeting its emotional overwhelm rising expenses or survival mode. Shame shuts people down. Awareness opens the door. If youre behind breathe. You can course-correct"  
[X Link](https://x.com/nathanielsford/status/1987561858782666988)  2025-11-09T16:44Z [---] followers, [----] engagements


"@Kalshi Prolonged shutdowns create invisible stress This leads to missed paychecks stalled benefits and the anxiety of not knowing what comes next. People dont just need policy they need stability"  
[X Link](https://x.com/nathanielsford/status/1987563397307601306)  2025-11-09T16:50Z [---] followers, [----] engagements


"A 50-day shutdown isnt just a headline its a signal of how fragile our systems are. When the government stalls families feel it long before markets do. BREAKING: The US government shutdown is now forecasted to last [--] days https://t.co/4AU5O95Acj BREAKING: The US government shutdown is now forecasted to last [--] days https://t.co/4AU5O95Acj"  
[X Link](https://x.com/nathanielsford/status/1987564629883531447)  2025-11-09T16:55Z [---] followers, [---] engagements


"Me: Im a financial planner Everyone: Thats cool what stocks should I buy Me: All of them lol 😂"  
[X Link](https://x.com/nathanielsford/status/1987577569604936046)  2025-11-09T17:46Z [---] followers, [---] engagements


"When shutdown timelines shrink it signals negotiations are converging. But agencies still face backlogs workers still face missed paychecks and economic ripple effects remain even after a deal is signed. JUST IN: Senate Majority Leader says deal to end the US government shutdown is "nearly ready" Shutdown forecasts drop from [--] days to [--] days JUST IN: Senate Majority Leader says deal to end the US government shutdown is "nearly ready" Shutdown forecasts drop from [--] days to [--] days"  
[X Link](https://x.com/nathanielsford/status/1987612880515354883)  2025-11-09T20:06Z [---] followers, [---] engagements


"@Kalshi A shorter shutdown is good news but the damage from weeks of uncertainty doesnt disappear overnight. Households contractors and markets still feel every delay"  
[X Link](https://x.com/nathanielsford/status/1987612974287122722)  2025-11-09T20:07Z [---] followers, [---] engagements


"@BrassVon @Kalshi Thats a good message. But what can they do now given the circumstances Assuming learning code cant happen overnight or within the next payday"  
[X Link](https://x.com/nathanielsford/status/1987614704546480320)  2025-11-09T20:14Z [---] followers, [--] engagements


"@Kalshi Short-term funding helps but it doesnt remove long-term risk. If youre affected update your cash-flow plan rebuild your buffer and prepare for another round of uncertainty early next year"  
[X Link](https://x.com/nathanielsford/status/1987674281170350145)  2025-11-10T00:10Z [---] followers, [----] engagements


"A higher net worth doesnt erase the financial anxiety many Millennials still carry. They grew up through recessions layoffs and debt burdens. For a lot of people the emotional cost behind that wealth doesnt feel like success. Millennials now have net worths that are higher than those of previous generations at similar ages adjusting for inflation per WSJ Millennials now have net worths that are higher than those of previous generations at similar ages adjusting for inflation per WSJ"  
[X Link](https://x.com/nathanielsford/status/1987867910614790643)  2025-11-10T13:00Z [---] followers, [--] engagements


"It costs $1000 to buy 135K272K impressions. I reached 539K in [--] days by writing with clarity consistency and intention. You dont need a huge account. You need good ideas steady engagement and discipline. Earned attention paid attention"  
[X Link](https://x.com/nathanielsford/status/1987875433656848507)  2025-11-10T13:30Z [---] followers, [---] engagements


"@Kalshi This concentration of wealth explains a lot of the financial pressure younger households feel"  
[X Link](https://x.com/nathanielsford/status/1987881681098097111)  2025-11-10T13:55Z [---] followers, [---] engagements


"@unusual_whales When premiums rise this sharply the smartest move is to treat insurance like any other market: You can review reassess and rotate. Switching carriers every six months often resets pricing algorithms in your favor"  
[X Link](https://x.com/nathanielsford/status/1987887787446603845)  2025-11-10T14:19Z [---] followers, [----] engagements


"@razvanfotia Secondary platforms to Twitter do you prefer instagram or LinkedIn"  
[X Link](https://x.com/nathanielsford/status/1987950756998136119)  2025-11-10T18:29Z [---] followers, [--] engagements


"Use simple starting points: Aggressive: 90% stocks Moderate: 70% stocks Conservative: 50% stocks Adjust based on income stability goals and comfort"  
[X Link](https://x.com/nathanielsford/status/1987997207442739618)  2025-11-10T21:34Z [---] followers, [--] engagements


"Diversify within your assets: Stocks U.S. + international large/small cap multiple sectors Bonds government + corporate short/intermediate duration Diversification lowers the cost of being wrong"  
[X Link](https://x.com/nathanielsford/status/1987997726835925390)  2025-11-10T21:36Z [---] followers, [--] engagements


"A balanced portfolio isnt about beating the market. Its about buying peace of mind. 🌅"  
[X Link](https://x.com/nathanielsford/status/1988000249663660162)  2025-11-10T21:46Z [---] followers, [--] engagements


"For people who want smarter money decisions and better emotional health follow me @nathanielsford I tweet about: market commentary financial planning and the psychology of wealth"  
[X Link](https://x.com/nathanielsford/status/1988000738606240140)  2025-11-10T21:48Z [---] followers, [--] engagements


"@zachmelloh26 What if we mess this up is a normal anxiety. Structure reduces that emotional load. A well-designed plan creates both financial security and psychological safety. Thats one of the reasons Im pursuing both financial planning and therapy as a career"  
[X Link](https://x.com/nathanielsford/status/1988034814654439545)  2025-11-11T00:03Z [---] followers, [--] engagements


"@zachmelloh26 I think its a lot of parallels between financial planning and therapy. Couples financial planning is just therapy with spreadsheets"  
[X Link](https://x.com/nathanielsford/status/1988035022981648403)  2025-11-11T00:04Z [---] followers, [--] engagements


"Avoidance is a protection strategy. Investing triggers fears of loss shame and getting it wrong. Staying broke feels familiar and the mind often clings to familiar pain over uncertain progress: Why are people more afraid of investing than of being broke forever Why are people more afraid of investing than of being broke forever"  
[X Link](https://x.com/nathanielsford/status/1988076216469934349)  2025-11-11T02:48Z [---] followers, [---] engagements


"@OddStockTrader Instagram didnt just show the rich it convinced everyone theyre supposed to live like that too. I think that illusion is more expensive than any lifestyle. Unfortunate really"  
[X Link](https://x.com/nathanielsford/status/1988077808657088859)  2025-11-11T02:54Z [---] followers, 50.3K engagements


"@Bitcoin_Teej Income is only step one. Wealth is created when a portion of that income is converted into ownership: equities bitcoin real estate or a business. without ownership the treadmill never stops. people gotta lock in"  
[X Link](https://x.com/nathanielsford/status/1988079983114215546)  2025-11-11T03:02Z [---] followers, [--] engagements


"BlackRock isnt buying every house. And youre not locked out forever. Improve your credit build savings stabilize income then buy with leverage and confidencenot fear: Buy a home asap or youll be renting one forever from BlackRock you only have two options lol Buy a home asap or youll be renting one forever from BlackRock you only have two options lol"  
[X Link](https://x.com/nathanielsford/status/1988082214379094049)  2025-11-11T03:11Z [---] followers, [---] engagements


"@Barchart Households arent overexposed by accidenttheyre trying to outrun inflation. When cash loses value every year people push deeper into equities just to stay afloat"  
[X Link](https://x.com/nathanielsford/status/1988089208486109662)  2025-11-11T03:39Z [---] followers, [----] engagements


"@aristotlegrowth Economic power isnt built by assets alone its built by capability. Skills create income. Income buys assets. Assets build stability. The pipeline matters as much as the portfolio"  
[X Link](https://x.com/nathanielsford/status/1988309078746202198)  2025-11-11T18:13Z [---] followers, [----] engagements


"@Kalshi Live to [---] Great. Banks 🏦: Perfect. Heres your 150-year mortgage with a low monthly payment interest only for the first 80"  
[X Link](https://x.com/nathanielsford/status/1988320858033750364)  2025-11-11T19:00Z [---] followers, [----] engagements


"A surge in second-job searches is a sign of collective financial distress not personal failure. When basic stability feels out of reach the nervous system goes into survival mode. and hustle becomes a coping strategy: BREAKING: Searches for second job reach a new all-time high 34% chance of a recession by [----] https://t.co/Oyen8zGJ3T BREAKING: Searches for second job reach a new all-time high 34% chance of a recession by [----] https://t.co/Oyen8zGJ3T"  
[X Link](https://x.com/nathanielsford/status/1988347679076651433)  2025-11-11T20:46Z [---] followers, [---] engagements


"@Kalshi When searches for second job hit an all-time high its not ambition its pressure. People arent chasing more. Theyre trying to survive what one income no longer covers. Working twice as hard to just to survive its frustrating"  
[X Link](https://x.com/nathanielsford/status/1988347948384628826)  2025-11-11T20:47Z [---] followers, [---] engagements


"@a_maheshwary @Kalshi They just playing in our face at this point lol 😂"  
[X Link](https://x.com/nathanielsford/status/1988361194588000438)  2025-11-11T21:40Z [---] followers, [--] engagements


"@StPeteVlad @Kalshi lol 😂 just criminal"  
[X Link](https://x.com/nathanielsford/status/1988374766076788937)  2025-11-11T22:34Z [---] followers, [--] engagements


"@rpmessaging Yes writing daily is a skill I really want to compound over the next year"  
[X Link](https://x.com/nathanielsford/status/1988404089588535341)  2025-11-12T00:30Z [---] followers, [--] engagements


"Perspective is the real currency. Every season has leverage if you stop comparing and start creating from where you are: Stop whining. Every position has an advantage. Younger = cutting edge Older = more experience Smaller company = more personalized Bigger company = longer track record Rich = resources to use Broke = nothing to lose You arent limited by your resources only your resourcefulness Stop whining. Every position has an advantage. Younger = cutting edge Older = more experience Smaller company = more personalized Bigger company = longer track record Rich = resources to use Broke ="  
[X Link](https://x.com/nathanielsford/status/1988458274056819093)  2025-11-12T04:06Z [---] followers, [--] engagements


"Every financial mistake begins with a distracted mind. Focus is how you compound.not just money but meaning. Lose it and you spend years rebuilding clarity: Youll make more money if you focus relentlessly on the most important things and forget about trying to keep a schedule Youll make more money if you focus relentlessly on the most important things and forget about trying to keep a schedule"  
[X Link](https://x.com/nathanielsford/status/1988459657749582089)  2025-11-12T04:11Z [---] followers, [--] engagements


"@Bitcoin_Teej Exactly. Confidence doesnt chase it draws. When you move with conviction people feel it way before you speak"  
[X Link](https://x.com/nathanielsford/status/1988470573765456260)  2025-11-12T04:55Z [---] followers, [--] engagements


"@FirstSquawk Behind every statistic is someone recalculating their self-worth. Job loss can trigger shame fear and griefbut its not identity loss. Its a forced reset not a failure"  
[X Link](https://x.com/nathanielsford/status/1988493889557168352)  2025-11-12T06:27Z [---] followers, [----] engagements


"Its moments like this that remind us why liquidity skill stacking and flexibility matter. The job market changes faster than most peoples safety nets. US LAYOFFS ARE RUNNING AT A CRISIS PACE COMPANIES ANNOUNCED [------] JOB CUTS IN OCTOBER NEARLY TRIPLING YEAR-OVER-YEAR FROM [----] LEVELS. US LAYOFFS ARE RUNNING AT A CRISIS PACE COMPANIES ANNOUNCED [------] JOB CUTS IN OCTOBER NEARLY TRIPLING YEAR-OVER-YEAR FROM [----] LEVELS"  
[X Link](https://x.com/nathanielsford/status/1988494011825279331)  2025-11-12T06:28Z [---] followers, [--] engagements


"@awealthofcs Every bull market convinces people theyre geniuses until it ends. Humility isnt the opposite of ambition; its what keeps you in the game long enough to see it compound"  
[X Link](https://x.com/nathanielsford/status/1988495911064883439)  2025-11-12T06:35Z [---] followers, [---] engagements


"@unusual_whales unemployment this early in a career can have compounding effects They could have lower lifetime earnings delayed saving slower wealth building. The earlier financial literacy and career strategy begin the stronger the recovery can be"  
[X Link](https://x.com/nathanielsford/status/1988652622015000868)  2025-11-12T16:58Z [---] followers, [----] engagements


"@unusual_whales The $20000 car didnt disappear affordability did. Wages stayed still while prices climbed. Just another reminder that middle class is becoming a moving target. And then we have the thought of [--] year car loans smh"  
[X Link](https://x.com/nathanielsford/status/1988658073888780615)  2025-11-12T17:20Z [---] followers, 11.7K engagements


"@KobeissiLetter Behind every layoff is a story.rent due kids in school identity shaken. Numbers cant capture the anxiety of waiting for an email that changes everything. Economic shifts hit wallets first emotions second and confidence last"  
[X Link](https://x.com/nathanielsford/status/1988672378956877967)  2025-11-12T18:16Z [---] followers, [----] engagements


"@unusual_whales Budgeting cant fix an economy where essentials have become luxuries"  
[X Link](https://x.com/nathanielsford/status/1988746134890918237)  2025-11-12T23:10Z [---] followers, [---] engagements


"@WallStreetApes Just competing with private equity firms buying homes like theyre Pokmon cards"  
[X Link](https://x.com/nathanielsford/status/1988750431212957826)  2025-11-12T23:27Z [---] followers, [--] engagements


"Its wild to think we live in a time where the government can shut down rack up $619B in debt (while closed) and still leave people in the dark about the economy. This isnt normal: The US shutdown led to roughly [-----] job losses outside the federal workforce cost the economy about $15 billion each week for a total of around $92 billion and could reduce fourth-quarter GDP by as much as [---] percentage points per Kevin Hassett. The US shutdown led to roughly [-----] job losses outside the federal workforce cost the economy about $15 billion each week for a total of around $92 billion and could"  
[X Link](https://x.com/nathanielsford/status/1989051420616847412)  2025-11-13T19:23Z [---] followers, [--] engagements


"Middle class used to be defined by income. Today its defined by: savings rate ability to invest stability of expenses margin in your monthly cash flow Earning $200K means nothing if your fixed costs are $180K"  
[X Link](https://x.com/nathanielsford/status/1989317453927657833)  2025-11-14T13:00Z [---] followers, [---] engagements


"@TwoCentsGal Yea I agree with this stat most families need the additional cash flow today Given economic uncertainty mass job losses tighten credit approval ratings etc. Retirement savings naturally take a backseat as people struggle to live today"  
[X Link](https://x.com/nathanielsford/status/1989341676754907352)  2025-11-14T14:36Z [---] followers, [--] engagements


"You can be wealthy and restless. You can be debt-free and anxious. You can earn $200K and still feel behind. Peace comes from mindset not math"  
[X Link](https://x.com/nathanielsford/status/1989386594743456072)  2025-11-14T17:34Z [---] followers, [--] engagements


"@FluentInFinance Behind every foreclosure statistic is a person experiencing shame stress and fear about their future. Its about more than money. It's about life events systemic issues and the emotional weight of carrying housing debt through unprecedented times"  
[X Link](https://x.com/nathanielsford/status/1989436973094678791)  2025-11-14T20:55Z [---] followers, [----] engagements


"@DMCskillz @FluentInFinance I guarantee people not losing they homes because they went to Olive Garden"  
[X Link](https://x.com/nathanielsford/status/1989451856330834300)  2025-11-14T21:54Z [---] followers, [---] engagements


"Your parents' relationship with money is your first financial education. The problem Nobody teaches parents how to teach money. Breaking generational money trauma starts with recognizing it exists"  
[X Link](https://x.com/nathanielsford/status/1989452879061479877)  2025-11-14T21:58Z [---] followers, [--] engagements


"If budgeting was just about math everyone would be wealthy"  
[X Link](https://x.com/nathanielsford/status/1989503180091306291)  2025-11-15T01:18Z [---] followers, [--] engagements


"@unusual_whales Lower monthly payments sound good until you do the math. A 50-year mortgage doesnt make housing cheaper it just stretches the cost so long that you pay nearly double in interest. Short-term relief long-term burden"  
[X Link](https://x.com/nathanielsford/status/1989740750813499431)  2025-11-15T17:02Z [---] followers, [----] engagements


"@KobeissiLetter This is the part of the economy people feel the most. Not CPI charts. Not policy debates. The checkout line. When a basic necessity rises $3000+ a year for an average family thats not inflation thats erosion of stability. Affordability is the real crisis"  
[X Link](https://x.com/nathanielsford/status/1989747731879875051)  2025-11-15T17:30Z [---] followers, [----] engagements


"This is what generational planning actually looks like. The money didnt go to waste. It simply shifted purpose. A [---] that turns into a Roth is one of the most powerful tax-free pivots in the entire code: A couple funded [---] plans for their grandkids: $100K each. Four grandkids. $400K total. The kids got scholarships. Only used $50K each from the 529s. Now there's $200K sitting in 529s with nobody to use it. Options: Withdraw it - pay taxes + 10% penalty on earnings Change A couple funded [---] plans for their grandkids: $100K each. Four grandkids. $400K total. The kids got scholarships. Only"  
[X Link](https://x.com/nathanielsford/status/1989750809215823962)  2025-11-15T17:42Z [---] followers, [--] engagements


"Great list. Id also include: Automate everything you can. Savings investing bill pay.systems outperform willpower. Automation turns good intentions into repeatable results: [--] rules for financial success: [--]. Avoid high-interest debt [--]. Think in decades not days [--]. Build an emergency fund (36 months) [--]. Create a budget (give every dollar a job) [--]. Invest in yourself (learn skills to raise income) [--]. Negotiate everything (salary rent rates fees) [--] rules for financial success: [--]. Avoid high-interest debt [--]. Think in decades not days [--]. Build an emergency fund (36 months) [--]. Create a budget (give"  
[X Link](https://x.com/nathanielsford/status/1989774696938606607)  2025-11-15T19:17Z [---] followers, [--] engagements


"@BryceRSanders @unusual_whales Yea I understand that. Man that market is tough I feel like 300k should be enough for a decent home in most places"  
[X Link](https://x.com/nathanielsford/status/1989858927346090487)  2025-11-16T00:51Z [---] followers, [--] engagements


"@BryceRSanders @unusual_whales Rental companies ruining things out there for everyday families. Just unfortunate. Hopefully prices cool down and create some space for new owner occupied buyers"  
[X Link](https://x.com/nathanielsford/status/1989865776359121191)  2025-11-16T01:19Z [---] followers, [--] engagements


"@jaevionn A lot of it comes down to emotional disconnect: They crave autonomy but get micromanaged They want impact but feel replaceable They want stability but face layoffs weekly When work feels like survival instead of growth burnout becomes inevitable"  
[X Link](https://x.com/nathanielsford/status/1990046079673680305)  2025-11-16T13:15Z [---] followers, 43.3K engagements


"@KurtSupeCPA Most retirees assume I have enough money I should feel safe. But without a smart withdrawal plan fear replaces freedom. A calm plan a calm nervous system a confident retirement"  
[X Link](https://x.com/nathanielsford/status/1990054675518009500)  2025-11-16T13:49Z [---] followers, [----] engagements


"Retirement isnt just about having assets its about having a strategy. Order of withdrawals can be the difference between abundance. and anxiety in the years before Medicare: A 58-year-old retired with $4M. Plenty to live on. Then he priced health insurance: $2400/month for him and his wife until Medicare at [--]. $28800/year in premiums. For [--] years. Total cost: $201600. The problem They walked in planning to fund retirement from their IRAs. A 58-year-old retired with $4M. Plenty to live on. Then he priced health insurance: $2400/month for him and his wife until Medicare at [--]. $28800/year in"  
[X Link](https://x.com/nathanielsford/status/1990054946537156635)  2025-11-16T13:50Z [---] followers, [---] engagements


"@MattLaciskey Theres nothing worse than finally reaching retirement and feeling punished for the money you responsibly saved. Planning ahead protects both your finances and your peace of mind"  
[X Link](https://x.com/nathanielsford/status/1990066087753314743)  2025-11-16T14:35Z [---] followers, [---] engagements


"@Stoy_Hall @mikeshothoney Really great skill to have man I used to make my own bread i may have to start back"  
[X Link](https://x.com/nathanielsford/status/1990070268413293047)  2025-11-16T14:51Z [---] followers, [--] engagements


"@TheMindfulForge A calling requires a plan. Daily habits are the deposits. And that Discipline is the compound interest on your purpose"  
[X Link](https://x.com/nathanielsford/status/1990098831346737197)  2025-11-16T16:45Z [---] followers, [--] engagements


"Save with purpose. Spend with intention. Die with as few regrets as possible. The cruelest irony of wealth Super savers build $1M+ by out-saving 90% of their peers then get trapped by the same habit 60% of retirees spend less than their portfolio grows Saving builds wealth Spending builds memories If you dont see saving as deferred spending The cruelest irony of wealth Super savers build $1M+ by out-saving 90% of their peers then get trapped by the same habit 60% of retirees spend less than their portfolio grows Saving builds wealth Spending builds memories If you dont see saving as deferred"  
[X Link](https://x.com/nathanielsford/status/1990126720809120158)  2025-11-16T18:35Z [---] followers, [---] engagements


"@ryanOpulus Most people are sitting on opportunities they cant see. A great financial planner turns that clarity into cash flow. And a good plan turns trapped equity into breathing room. Solid work Ryan"  
[X Link](https://x.com/nathanielsford/status/1990421092687618050)  2025-11-17T14:05Z [---] followers, [---] engagements


"@NxtGenPlanning 40% savings and investing rate is so tuff 🔥 great work"  
[X Link](https://x.com/nathanielsford/status/1990762041188209145)  2025-11-18T12:40Z [---] followers, [--] engagements


"@BrnMeetsWlth Appreciate the insight looks like you have some solid risk management in place"  
[X Link](https://x.com/nathanielsford/status/1990800376908689516)  2025-11-18T15:12Z [---] followers, [--] engagements


"@adrianviewpoint Id personally prefer a happier humanity. I know a lot of young people feel priced out of everything"  
[X Link](https://x.com/nathanielsford/status/1990803440679989529)  2025-11-18T15:25Z [---] followers, [--] engagements


"@razvanfotia Omni channel marketing is a great way to ensure your prospective clients see you as an authority"  
[X Link](https://x.com/nathanielsford/status/1990808892234678569)  2025-11-18T15:46Z [---] followers, [--] engagements


"@money_cruncher There's something deeper here about how we think about inheritance. Bob isn't just passing money he's passing optionality. By being strategic now he's giving his kids liquidity without the tax burden. That's love expressed through financial literacy"  
[X Link](https://x.com/nathanielsford/status/1990816417843716412)  2025-11-18T16:16Z [---] followers, [---] engagements


"@Kalshi The move isn't to panic. It's to become someone AI amplifies rather than replaces"  
[X Link](https://x.com/nathanielsford/status/1990819195181740247)  2025-11-18T16:27Z [---] followers, [--] engagements


"@bryanhasling @TomMullooly Appreciate the insight Bryan. Thats also a great way to look at it"  
[X Link](https://x.com/nathanielsford/status/1990822203571515501)  2025-11-18T16:39Z [---] followers, [---] engagements


"@bryanhasling @TomMullooly I think I remember seeing you on Texas Tech website for the Masters in Financial Planning website. @bryanhasling (applying for next fall personally)"  
[X Link](https://x.com/nathanielsford/status/1990842385253712237)  2025-11-18T17:59Z [---] followers, [---] engagements


"@Focus_Mindset1 Performance is exhausting. Expression is sustainable. When you stop curating every word to land a certain way and just say what's true people feel it. They may not agree but they'll trust you"  
[X Link](https://x.com/nathanielsford/status/1990910391136727235)  2025-11-18T22:30Z [---] followers, [--] engagements


"@unusual_whales A [---] or lower score costs more than higher interest payments. That also means they could be paying higher insurance higher deposits sometimes even higher employment barriers. The cost of bad credit is being charged more unfortunately"  
[X Link](https://x.com/nathanielsford/status/1990914755054190884)  2025-11-18T22:47Z [---] followers, [---] engagements


"Most financial advice treats money problems like they're logic problems: "Stop buying lattes" "Track every expense" "Have more discipline" "Just stick to the budget" If budgeting was just about math everyone would be wealthy"  
[X Link](https://x.com/nathanielsford/status/1991129379573817493)  2025-11-19T13:00Z [---] followers, [----] engagements


"@danjstefanski Well said Daniel I agree that theres bad actors in any field / industry and blanket statements of the entire industry based on that is wild"  
[X Link](https://x.com/nathanielsford/status/1991172499095380038)  2025-11-19T15:51Z [---] followers, [---] engagements


"@danjstefanski Slowly but surely Its unfortunate so many people have had a bad experience. One of the reasons I approached financial planning from a behavior health and psychological perspective"  
[X Link](https://x.com/nathanielsford/status/1991176721668686000)  2025-11-19T16:08Z [---] followers, [--] engagements


"@JonLuskin Smart positioning. Know who you're not for. Some advisors try to be everything to everyone. Im a huge fan of your frictionless approach & business model"  
[X Link](https://x.com/nathanielsford/status/1991177595522617847)  2025-11-19T16:11Z [---] followers, [---] engagements


"@MattLaciskey Its a natural reaction for new investors to be concerned with investing at all time highs. Once they understand their time horizon and plan those worries and fears go away"  
[X Link](https://x.com/nathanielsford/status/1991188733249352016)  2025-11-19T16:56Z [---] followers, [--] engagements


"@MrNQDC Financial planning clients are happy to talk about money for the most part but therapy clients get upset emotional and closed off at times discussing money (as it reflects unresolved money wounds that I try to help them heal from.)"  
[X Link](https://x.com/nathanielsford/status/1991263260213993799)  2025-11-19T21:52Z [---] followers, [--] engagements


"@danjstefanski Yea I definitely agree. You cant shame or guilt someone into behavior change. This is the part where its a lot more emotional understanding empathy and grace. One of my favorite parts of the financial planning process to explore with clients"  
[X Link](https://x.com/nathanielsford/status/1991560306536116333)  2025-11-20T17:32Z [---] followers, [--] engagements


"@unusual_whales Its easy to moralize debt until you realize the math doesnt add up. Wages stalled. Costs increased tremendously. And credit became the bridge but now that bridge is collapsing"  
[X Link](https://x.com/nathanielsford/status/1991636074146242669)  2025-11-20T22:33Z [---] followers, [----] engagements


"The wealthy use therapists. The middle class thinks therapy is a luxury. This is exactly backwards. Your mental health directly impacts your earning potential decision-making and financial future"  
[X Link](https://x.com/nathanielsford/status/1991884389907632166)  2025-11-21T15:00Z [---] followers, [---] engagements

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