Dontbebrokebewoke

These are all automated so I don’t have to do anything.🔥

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⚠️ This is not financial advice ⚠️


 

I have always been someone who didn’t like to rely on other people for help. My struggles were mine and mine alone and I needed to do what I had to so I can get out of them.

Until I met you, I just assumed I would continue to be that guy. But you became my life partner. Whatever my struggles, we go through them together. You’ve inspired me to be better, you’ve always supported me, and you’ve always had faith in me.

Thank you for being the greatest partner in the world!

Happy 4 year Anniversary pumpkin! 🎃 ( hehehe)

PS. I love you even more for being extra woke with me 😆

This is when you want to be selfish. Focus on making yourself better so you have the knowledge and wealth to give back!

Tag some friends who need to see this!

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G O A L S🔥

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When I posted something similar at the end of June, I got messages with comments such as the market is too hot, ima wait till it cools down. Well, you just lost 2 months of gains.

Timing the market sucks, get in, and stay in by investing consistently!

Who else is benefiting for this fuego market??

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Happy Monday Wokers!

Do you a favor and BE GREAT!!🔥

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Let’s do a very simple exercise. Ask yourself this morning/evening as you sip on your coffee or your wine( it’s 5pm somewhere), what is your WHY?

But go deeper than that. Follow up your answer with another WHY until you can no longer answer why. Keep asking WHY until you get to the core of your actual reason for doing what you do.

Most importantly, are you doing enough to accomplish that why?

So… did you figure out your deep WHY?

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I was listening to “I can’t tell you why” by the Eagles ( who😂😂) when I read this quote.

For some reason, it had me reflecting a bit harder than I was prepared to do😩.

I cannot say this enough, don’t get caught up so much on what you want to have, that you forget what you currently have.

Think about it!

I read this and thought of a few things. What does this quote mean to you?

Happy Taco Tuesday Wokers!

Happy Monday Wokers!

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Thank you thank you thank you! You guys are the greatest!

I am still in awe that I have more than 600 followers let alone 6000. I am grateful for the many new friends I have made through this journey and the many many people I have been able to talk to and help answer questions or even set up their first investment account.

I created this account for the purpose of educating, so any time I am able to help one person get started with one thing that they didn’t know or have before: we are all winning!

This Sunday only, I am offering my New Investor Guide for 60% off🥳🥳! Click the link in my bio to get your copy today!

Happy Sunday my woke peeps!

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If you don’t follow my friend Steve’s page then go follow him now! Our messages are aligned in many ways but more so when it comes to living a modest life by being frugal.

I keep saying this and I am sure some of you are sick of me by now, but having a budget does not mean you live a restrictive life. It means you live a more financial conscious life. My friends say that I am “too woke” now, and maybe I am. BUT that’s because I used to buy things all the time and sometimes I couldn’t tell you why? So yes now I am woke or frugal, it’s not being cheap, it’s being aware of what i am spending my money on. If it does not make sense financially then I aint doing it.

Lastly, if I were to tell you I spent 3,500 total on a European vacation, you might say: holy s***t that’s alot of money. But then, IF I break it down and tell you if was for 2 week, including everything, then you say i got a deal. Me getting “a deal” was me being frugal. So dont hate on frugal people, appreciate!

Steve and I used to spend money back in the days, all it did was put us in debt. Now our money works for us first and then is spent on things that bring us value, things we can enjoy not just today but for a long time.

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Quite a simple visual from one of the greatest leaders of our time Abraham Lincoln. I remember when I read this quote, i thought to myself, why in the hell would you spend that much time sharpening the ax? Clearly it shouldn’t take that long to prepare it.

But it’s an exaggeration of course, one done purposely to focus on the importance of having your tools ready for action. How much easier if your work, is your day, is your ability to do things when your skills are sharpened to the max?

If you want to be better with money, spend time budgetting!
If you want to be a good investor, spend time reseraching!
If you want to be more knowledgable, spend time reading!
If you want to smile, watch Dumb and Dumber! ( Ok, I couldn’t resist, I am a clown)

So tell me, what does this quote mean to you?

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One of the many things I used to struggle with as I planned for my financial independence journey was understanding how much I needed for retirement to live off each month. Well I like how simple Ella broke this down for me and I wish I was following back in the days for this and many more daily finance tips!

Think you gonna have very little expenses in retirement? No car payment, no mortgage, just food and basic? Then maybe $2000 is enough for you to live off each month. If so you will need $600,000 invested in your retirement account to live with $2000 per month.

Do you think your expenses will be a bit more such as $4500 a month? This is actually where I fall myself. I’ve looked at my potential expenses in retirement and calculated that i could retire with $1,350,000 in my investment/retirement.

Understanding how much you need per month in retirement is an essential Part of knowing how much you should be investing know so you can plan ahead!

Do you know your current monthly expenses?

Adrien x Ella

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Guys, do you know which quadrant you fall in? Are you guessing?🤔

Knowing where you fall here can help you understand where you are finally today and what you need to do to secure your financial future.

Follow my man Billy Guan • Financial Coach] for more post like this and hit him up on other ways to can diversify your money. Podcast with Billy will be dropping soon!🔥🔥

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Happy Saturday Wokers! Last year I tried this app Noom to help me with better eating habits. Going in I was like ugh, there goes my days of eating pizza and tacos. Instead, the process was not restrictive at all, it made me aware of what I was eating and control calories blah blah blah.

I bring this crazy analogy to explain this negative connotation people have about budgeting. Depending on your goals and current financial situation, initially your budget may have to be restrictive in the short term. However, a budget is to make you aware of your financial all the time. Maybe a Savannah Trip is more affordable than a Vegas trip. You go out and get 2 drinks instead of passing out in the Uber cuz u bought bottles. So on and so on.

Becoming aware of what you can afford is being financially woke. Just cuz u can buy something does not mean you can afford it.

Stay Woke folks or ya gonna stay broke!

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Follow the little bro for more gems like this.

As he says most people trade their time for money and use that hard earn money to pay bills. This is an ongoing cycle with real ending even if they make more money.

Wealthy people will also trade their time for money, BUT will use that money to buy assets that will continuously generate cash so they can those bills, and buy more assets and eventually they can stop trading their time for money!

If you wanna buy your freedom, buy assets that will give you your time back!

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#

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Happy Saturday Wokers! So what are your thoughts on this quote? Oh by the way, this is not the Charles Schwab y’all m’y think about who is the legendary investor with the brokerage account that bears his name. This is Charles M Schwab who was Andrew Carnegie ( second richest man in the world in the late 19th century) right hand man for years.

Carnegie was the first person to give his wealth away and became the first Billionaire philanthropist. Schwab on the other hand spent his money hard, he believed that spending it on the economy was a way to build wealth for people. 🤔🤔

Do y’all agree with Mr. Schwab?

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Happy Sunday Wokers!

I had some folks ask about different savings accounts out there. Big bank savings accounts are trash because they pay so little interest compare to their online counterparts. Citi is the exception to the rule.

A High Yield Savings Account (HYSA) is the ideal place to keep your NON investing cash.

I use Ally mainly as my HYSA. I like them because they have a 0.50% APY and their savings platform is very intuitive. You can create various buckets within your savings account to help you save for multiple things such as emergency fund, vacation fund, car repair fund etc.

Always do your own research to find out which one you want to sign up for. There are others outside besides these 4 so Google this topic and happy savings!!

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Happy Sunday Wokers!

Self confidence is a powerful thing! We do not need others to validate our worth.

Let me know your thoughts on this. Do we need others to make us happy?

Happy Hump Day Wokers!

I am gonna keep this short( I think 😁) but you should NEVER depend on one single income. Like NEVER.

Make the necessary investments to make sure you build additional streams. The first one you should focus on is yourself. Investing in yourself is the perfect way to get the skills necessary to find ways to make more money.

Tell me how are you investing in yourself?👇🏾

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Do you look at all these posts about emergency funds and investing, and say to yourself: “which one should I do first and how much?”

My friend Genevieve .personal.finance and I partnered up to give you 3 options on how you could tackle this question! And because we know everyone’s situation is different, we think these options are pretty good!🙌🏽

This can be a difficult question, because both saving for emergencies & investing for your future are SO important!

An emergency fund is crucial to your financial wellbeing. Without some savings stashed away, you become 1 emergency away from losing everything you’ve worked so hard for. You either use credit cards which accumulates debt or worse, you have to pull money from your investment accounts.

Investing early is key to setting yourself up for a financially well future! Time is what propels the power of compound interest- so the early you can start, the better!

Here are some options Genevieve and I recommend:

1️⃣ Save your full emergency fund prior to investing: If you value security, this option might be for you! Keep in mind this option can take the longest time to achieve, so put on your patience hat!

2️⃣ Save at least 3 months expenses, then invest: 3 months of expenses might be the perfect emergency fund amount for you— but if it’s more, this is a great place to start! If you lost your 9-5 or a medical emergency occurred, 3 months of expenses could likely carry you through until you’re back on your feet!

3️⃣ The 50/50 method: Really excited about investing NOW? This option is for you. With this option you’ll take your excess cash flow and split it between funding your savings account and investing. For example, if you have $500 left over each month, you could place $250 in a Roth IRA and $250 in a HYSA for emergencies.

No matter which option you chose, we both agree that if your employer offers a 401k match- take advantage of it first! This is my far the EASIEST way to start investing.

So after all that, which option will you or did you chose?
Let us know in the comments!

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Happy Taco Day Wokers!

This is the perfect analogy to investing and the power of compound interest. It also can apply to everything else in life, dieting, exercising, construction etc.

Understand the journey, be patient and trust the process!

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Happy Sunday Wokers!

It is a lot easier to get you to your journey, no matter which one, when have the right people around you.

Do you agree or disagree?

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Let’s see the end of that sentence in the comments 👇🏾

Happy Friday Wokers!

I saw this powerful quote today and wanted to share with you, but most importantly I want to ask you:

What does this quote saying to YOU?

Flashback to a week ago, fleeing after seeing my Crypto performance! 😂😂

Happy 1st of July Wokers!

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One of our biggest mistakes as people is thinking of what we haven’t done, make ourselves feel bad about it, and say we will eventually do it later.

Look the best time to start anything was yesterday, the next best time is today.

If all of sudden you have to pay $200 for something you did not plan, and you are thinking of next paycheck to pay it, you need a budget! Starting it today will make you better tomorrow!

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