Pinned Tweet
Controversial money advice learned in 35 years.
My parents didn't teach me this... yours didn't either.
Time for some straight talk on $$$.
No BS 👇
This is much different than you work in a dead end job and believe "I could do better."
That's different than "I deserve better."
You don't 'deserve' anything.
If you're over 25, look in the mirror for where you are in life... as the next 20 years are defined by how you carry yourself each day.
Going around thinking you 'deserve' anything, will lead to sadness and madness.
A life lesson I've learned from losing friendships, starting businesses, etc.
If you wake up everyday always 'wanting more'... you'll never get it.
You'll be unhappy forever.
Eventually, you have to be happy and grateful.
It doesn't mean you don't 'work to get better'
But thinking you 'deserve better'... it's a recipe for unhappiness.
Especially if you live in a great situation.
NIL has made college football the best sport to watch
Any team can pull off an upset any week
Playing field leveled.
Most of the people you work with right now don't care about you
If you left tomorrow...
... no one will mention your name again after 2 weeks
... no one will remember you worked there in 2 months
90%+ you'll never hear from again except seeing an update on Linkedin.
So you might as well:
- Be bold at your current position
- Make a leap to a bigger, better place ("I'll disappoint my boss"... no, they will forget about you in a week)
The next time you're afraid to do something because you're worried about 'what will my boss/coworkers think'...
Remember this.
And go do the thing your gut is telling you to.
Guys, we're in the age of AI... you can literally go to Zillow data, download the sheets, throw in AI and see the real estate trends.
At the moment, inventory looks to get settling at pre-2020 territory.
Days on market is the next image on the thread...
Home values for the top 20 metros the last one.
From the mass data dump... here's the interesting tidbits:
Austin, TX (#29 largest metro), the biggest crash in any sizable market
- Typical home value is down about 27% from its June 2022 peak and it’s still falling
- There are about 15,200 homes for sale, 70% more than in 2019 and more than 3x its 2022 low.
- Homes take about 82 days to go under contract, nearly double the 2019 average of 44.
Southwest Florida, where prices and speed are both getting worse
- Cape Coral / Fort Myers: down 19% from peak and 119 days to sell.
- North Port / Sarasota: down 17% from peak.
- Naples: down 12% from its 2024 peak. At 130 days to sell, it’s one of the slowest markets in the country.
Other notable ones
- Kahului (Maui), HI: days to sell jumped from 98 to 134 in one year, the biggest one-year jump of any meaningful market. Prices are down about 10% from their 2024 peak.
- Florida Panhandle (Panama City, Crestview): over 100 days to sell, up about 35 days from 2019.
- Louisiana (New Orleans, Houma, Lake Charles): prices are 11–17% below peak, and Houma takes 126 days to sell.
- San Antonio and Killeen, TX: a smaller version of Austin. San Antonio is down 10% from peak, and Killeen takes almost twice as long to sell as in 2019.
- Colorado (Colorado Springs, Boulder, Pueblo): prices are down 7–10%, and Colorado Springs has 50% more homes for sale than in 2019.
I do marketing for a living & AI did hours of work while I slept
If you own a business & are running a marketing budget...
1. You don't need graphic designers
2. You don't need coders to build your website
3. You don't need to know how to write
4. You don't need to do competitor or client research
5. You don't need to know how to 'set up ads' or anything
AI can do a lot of that grunt work
And I've gotten rid of tasks that just do those type of tasks.
All that's left is just the 'high level thinking'.
...knowing WHAT you need done.
...be willing to put in the prompts to get work done
...taking what works and what doesn't and make decisions on it
The rest of it is now done for you.
Before, I'd have to wait 2 weeks to get 1 freakin' page designed.
Now --- it's done and coded in 5 minutes.
Be Micron. $MU
• Start in 1978 in the basement of a dentist’s office in Boise.
• Build memory chips.
• No one really cares about your memory chips
• Survive PCs.
• Dot-com crashes the stock 89%
• iPhone introduced... stock crashes 71%
• Survive collapsing memory prices.
• Become the last major American memory-chip maker standing wondering if you're Blockbuster
• AI explodes and Nvidia needs HBM memory. Everyone likes $NVDA
• You’re behind and in 2023 lose $5.8 billion.
• Catch up on HBM.
• Become one of only three companies capable of supplying the memory powering the AI boom.
• Watch memory go from commodity to bottleneck.
• Profits explode.
• The stock goes roughly 10X in a year.
• Nearly 50 years after you started, the world suddenly needs exactly what you spent your life learning how to build.
Be Micron.
I've learned you can only pick (at most) 5 on this list...the rest you put aside
- Spouse
- Kids
- Health
- Sleep
- Hobbies
- Friends
- Work
- Networking
- Leisure Time
It doesnt mean it can't change each month, but impossible to do all well
As you get older, you'll realize eventually time is the most valuable asset you have.
It's extremely hard to stay as a top performer at work, while being present for your significant other, while being present for your kids, while staying in shape, and keeping in contact with your friends.
I don't know the perfect formula, but my dad gave me a good road map on how to do this. He was a Sr. IT Director back in the day. Eventually he took a package and retired in his early 50s. We always joked that my goal was to "beat him to retirement."
I essentially spent my 20s and early 30s working my ass off. Since I work in a commissioned oriented role, I was able to "dial myself a raise." I was fortunate enough to have a pretty high income since my second year in the industry.
From there, I kept my costs low and lived below my means. I knew this was an important first step because many of the folks I worked with, while extremely successful professionally, didn't have the greatest personal relationships in the world and I didn't want to end up like that.
I also knew it was not sustainable long term that I'd keep making or increasing my income at this level while eventually starting a family.
So I built myself my own "golden parachutte" which gives me exteme leverage in my career. Since I have this flexibility, I have the ability to "not care as much" about work. We have a good cash runway pile and a ton of money invested to the point where I'll be able to start my own firm by ~40 with zero financial pressure. Every dollar made will be fun money.
For example, last year I was laid off two weeks after my dad unexpectedly passed. So I was in no shape or form to job search or start a new gig right away. I was able to take a couple months off before starting my new gig.
But I also didn't have to "rush" into finding a new job. I was able tap into my network and source the best job that fit my needs today.
Now with our industry, no one says "Oh you made $350k, here's another 20% to come join us". You get a decent base salary and some bonuses accelerators / draw commissoins.
So I had to start my book of biz from ground zero. But given the financial flexiblity I have, I'm under no pressure to do so unlike the other recruiters who were effected from our layoffs.
Now, when I say I don't have to care as much, that doesn't mean I'm sitting on the couch watching netflix all day pretending to work.
I'm still a top performer, but I am able to work freely and the first person on the team to qualify for president's club.
But I have minimal amounts stress and anxiety because I know if a deal doesn't work out, I'm still fine. If I got laid off today, I'm fine. And in fact, this has actually made me a better performer beacuse it got rid of even more "paralysis by analysis".
So all in all, my advice to anyone reading this would be to prioritize financial independence especially in an age where we don't know how AI is going to disrupt the workforce in the coming years, and in an age where corporate loyalty is long gone.
I'm now able to spend my mornings before work with my wife and daughters, and rarely have to log in after 5pm unless it's for an offer / to book an interview.
We unfortunately live in a time where kids barely play outside anymore.
Most rec leagues have 1 practice per week & 1 game... which isn't enough for many parents.
So they sign up for stuff like this to keep their kids busy.
Then...
They cram the kids with 5 different activities they must do so the kids are busy 24/7 ... and become a ball of stress having to 'perform' all the time.
The answer (we've found...as we don't do travel sports):
1. Find a neighborhood with kids they can play with
2. Invite your friend's kids over all the time (make your house fun to go to)
3. Have more than 1-2 kids
I'm sorry that this will piss off half the parents reading this:
Your 11 year old probably doesn’t need a $8,000-a-year travel team.
Meanwhile, mom and dad haven’t had a weekend alone in 8 months because every Friday afternoon the SUV is packed for another tournament 4 hours away.
They need to just play sports (if they want).
There’s a difference.
$3,000 team fee.
$2,500 hotels.
$1,500 eating out.
$500 uniforms.
$500 entrance fees
Every weekend gone, and somehow we convince ourselves this makes us better parents.
Then we wonder why marriages struggle. Put the kid in rec ball and let them play with their buddies.
Take your wife to dinner. Take a family vacation that doesn’t involve a Marriott next to a sports complex.
If your kid is truly THAT good, you’ll eventually know.
But I think a lot of parents are sacrificing their marriage, money and entire family calendar chasing a scholarship that probably isn’t coming.
I agree that most kids need sports.
I’m just not convinced they need travel sports.
That's me - the one who forgot their $5 hat for picture day on a team that cost $20 for the season.
Something I've learned in the past decade...
You want to spend most of your time collecting "I tried that" experiences when it comes to business, hobbies, whatever.
The sharpest people you meet have tried tons of things.
I've tried over a dozen bad business ideas, including owning a retail store (lost money, hated it... but now I know).
You never regret those.
You appreciate you tried them and learned them.
It's the same when you're building a business and marketing it... you want to try lots of things so you can collect "I tried that"... to know if you actually should do more of it, or you hate it.
My daughter gets this problems every Sunday for us to solve as a family and we always get them wrong
Can you get this one?
The 8 most important things a husband/dad can do for his wife (the mom) to 'be there' for her with kids:
1. Overspend if you need to for finding the best neighborhoods with families in them
So she has a support group of Moms
2. Find her weekly/bi-weekly gatherings (if she doesn't find them herself) of women who read books, play Mahjong, whatever
So she has a social life
3. Find yourself a non-neighborhood community ... whether church, a sports team, whatever
Builds a family social community outside the house
4. If possible, hire a cleaner 1-2x per month so she can see an end in sight for the dirty house every week
Makes her feel less trapped in a dirty home
5. Know where she is in her cycle...
So you know exactly what mood you're dealing with so you know the appropriate responses, triggers, etc.
6. Find your own friends...
So she's not your only friend else it puts unneeded pressure on her to always entertain you
7. Plan things for just you and her
Give her a time to feel like she did before kids. Young, sexy, free, etc.
8. Plan little things for the family -- -could just be family day at the park
Moms love the feeling of 'family bonding.' That includes family dinners, etc. When you plan it, even better, as she's always the one planning "Christmas traditions" etc.
The idea of "I need to give my kid every luxury, private lessons, attend a top private school, big house, international travel etc. else it's not worth having a kid" is a terrible way to think.
It's actually bad for them to get spoiled like that.
The "over scheduled" child is a Gen X/millennial disease
If you have any referrals for a great phone salesmen who can sell financial products, services, software... send me a DM.
Good base + commission.
10k+ buyers list of names to call to start.
Have kids before you're ready.
Because you will never be ready.
Stop trying to "game" the natural system of life and complain it's expensive to do.
We had our first kid when we were broke at age 27.
You figure it out. We've made way more money since and had 3 more kids.
If you don't trust yourself & your spouse that you'll figure it out...
Then you have a weak team and shouldn't even be having kids with that person.
You don't do remodeling by Googling "top roofer" "kitchen contractor near me"
Etc
That's what everyone does and you get screwed.
1. Go to FB and look for RE investor groups
2. Post "Looking to remodel a kitchen, who do you recommend "
3. Investors will give you their best dude who will charge you WAYYYY less than the top result in Google
"But those guys aren't vetted like the top Google people"
Lol
No, the top guys in Google HIRE the the crew the investor pays then marks it up 100%



















