[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 if you, saving, insurance, credit cards the most. They currently have XXXXXX followers and 2488 posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::881269556/interactions)  - X Week XXXXXX +23% - X Month XXXXXXX -XX% - X Months XXXXXXXXX -XX% - X Year XXXXXXXXXX -XX% ### Mentions: XX [#](/creator/twitter::881269556/posts_active)  - X Month XX -XX% - X Months XXX +13% - X Year XXXXX +24% ### Followers: XXXXXX [#](/creator/twitter::881269556/followers)  - X Week XXXXXX +0.14% - X Month XXXXXX +0.60% - X Months XXXXXX +4% - X Year XXXXXX +34% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::881269556/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) **Social topic influence** [if you](/topic/if-you), [saving](/topic/saving) #1346, [insurance](/topic/insurance) #395, [credit cards](/topic/credit-cards) #706, [investment](/topic/investment) #3029, [life insurance](/topic/life-insurance), [money](/topic/money), [history](/topic/history), [flexibility](/topic/flexibility), [the smarter](/topic/the-smarter) **Top accounts mentioned or mentioned by** [@markcecchini](/creator/undefined) [@unusualwhales](/creator/undefined) [@matthewgarasic](/creator/undefined) [@pathwaytofi](/creator/undefined) [@mrfishoftheseas](/creator/undefined) [@ramit](/creator/undefined) [@investedinyou](/creator/undefined) [@jackiekenoyer](/creator/undefined) [@theroaringkitty](/creator/undefined) [@franwalsh73](/creator/undefined) [@olsonplanner](/creator/undefined) [@guytalksfinance](/creator/undefined) [@cliffcornell](/creator/undefined) [@moneycruncher](/creator/undefined) [@cpataxteam](/creator/undefined) [@saiyanfinance](/creator/undefined) [@darrelltalksfi](/creator/undefined) [@chrispynuggins](/creator/undefined) [@campwealth](/creator/undefined) [@tkopelman](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "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, 4217 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, 2241 engagements "I can plan for clients anywhere in the U.S. but nothing beats meeting in person. Indiana friends - if you want to talk financial planning reach out let's chat" [X Link](https://x.com/zachmelloh26/status/1996635887443263974) 2025-12-04T17:41Z 25.5K followers, 2828 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, 3956 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/1998116921183506503) 2025-12-08T19:46Z 25.5K followers, XXX 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, 2116 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, 3866 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 "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, 1839 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
[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 if you, saving, insurance, credit cards the most. They currently have XXXXXX followers and 2488 posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +23%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXXX -XX%
Mentions: XX #
- X Month XX -XX%
- X Months XXX +13%
- X Year XXXXX +24%
Followers: XXXXXX #
- X Week XXXXXX +0.14%
- X Month XXXXXX +0.60%
- X Months XXXXXX +4%
- X Year XXXXXX +34%
CreatorRank: XXXXXXXXX #
Social Influence
Social category influence finance
Social topic influence if you, saving #1346, insurance #395, credit cards #706, investment #3029, life insurance, money, history, flexibility, the smarter
Top accounts mentioned or mentioned by @markcecchini @unusualwhales @matthewgarasic @pathwaytofi @mrfishoftheseas @ramit @investedinyou @jackiekenoyer @theroaringkitty @franwalsh73 @olsonplanner @guytalksfinance @cliffcornell @moneycruncher @cpataxteam @saiyanfinance @darrelltalksfi @chrispynuggins @campwealth @tkopelman
Top Social Posts
Top posts by engagements in the last XX hours
"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, 4217 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, 2241 engagements
"I can plan for clients anywhere in the U.S. but nothing beats meeting in person. Indiana friends - if you want to talk financial planning reach out let's chat"
X Link 2025-12-04T17:41Z 25.5K followers, 2828 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, 3956 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 2025-12-08T19:46Z 25.5K followers, XXX 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, 2116 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, 3866 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
"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, 1839 engagements
"@HaasHawk Most people are not CFP's"
X Link 2025-12-10T20:22Z 25.5K followers, XX engagements