BowTiedF'er - Chad Personal Finance @BowTiedEffer Twitter profile

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BowTiedF'er - Chad Personal Finance

2 years

The BEST personal finance in the web. Chad personal finance means we treat you like a high IQ & successful adult For less than 1 mid-tier coffee a month, you can optimize your finances. You deserve better than inane platitudes that don't work.

Finance, Fitness, Family, and Fixing Bad Advice

Welcome to the best personal finance advice on the web.

effsigive.substack.com

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

11 months

Bros. No matter how much you want to convince yourselves this is true. It's not. No actual rich person is driving this. Maybe a cash poor, house "rich" in a spreadsheet net worth only person is stuck driving this. Or you don't know anyone actually rich. But let's stop

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

"The average millionaire drives a 25yr old corrolla" Yea. Because the average millionaire is a boomer w $750k in home equity they can't do anything with and only $250,001 in a pension they can't access So basically they are broke

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

7 months

One of the best possible things happened Wife ran into one of her IG influencers at our resort First hand saw that she was sharing a room w 2 other ones And how fake it was vs wife's real life God is great

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@ZubyMusic Political spectrum is a circle not a line. Go far enough left or right and wind up in same place but thinking your different.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

One of saddest things at teeball. Little 5 yr old is batting and keeps swinging while looking into stands...missing bad. Finally yells "mommie look I'm batting" His mom looks up from her Facebook, and waves. Kid lights up. Mom is back in her phone before the next pitch

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

8 months

I'm torn what would be more entertaining 1) juiced out dudes setting superhuman records and crushing Olympics Or 2) juiced out dudes just meeting current Olympic records proving current athletes are all enhanced and just getting around tests

New York Post

@nypost

8 months

Billionaire Peter Thiel bankrolling ‘Olympics on steroids’ event that allows athletes to dope

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

The littlest F'er was born. Absolutely gonna be a champ. Can already tell Life is great man

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

😭 $9,345. 😨 Just helped a family member with some budgeting and that is how much the husband spent on IPA beers in 2022. She wanted to know where all their money went And that is just 1 of the many big $ leaks they had no idea was happening Tracking spending is key

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

11 months

Easy to forget what the average person is like. But after 45 mins at a post office renewing child passports And seeing a half dozen people come in to pick up a package from a scam text message Then get angry at the postal desk lady because "then why do I have this text" 🤯

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Just had a 50yr old waitress tell us the following 2 things during the same meal: 1) she spent $3k on video games for her "adult" bf 2) she's late on rent

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@Cernovich Lost friends over this. Help them out, get them on their feet. Then they spiral again and if you don't help again with even more, you are the bad friend.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Since lots of bad dating takes on Twitter today... Here is a good one. First date go to a really expensive restaurant... I mean really expensive. If your date doesn't pause and say "you sure?"...then your not going big enough ⏬️

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

CEO:"Due yo positive feedback, we are increasing the number of in office days from 2 to 4" Audible groans, murmuring, and guy saying wtf loud enough to get picked up from mic CEO: "I know you are all as excited as me to get back with your colleagues" Hilarious 🤡🤡

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

W2 workers who take pto on these easy post holiday days are really dropping the ball When everyone else is out, makes for a nice relaxing friday

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

6 months

Shot. Chaser Imagine being 29 and paying off (checks notes) $10k a year Then bashing your own father on Twitter for likes

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

@Cernovich Sad to see children trying to public shame their parents. I wouldn't like it, but having a nagging daughter who doesn't listen to you is something you could handle. Posting a private message to public for virtue signaling points is crossing a line.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

8 months

Guy busted hump to drop $250k to pay off home. But now has no liquidity and no investments. Could have had all $250k in a HYSA at 5% and paid his mortgage out of it and MADE $6,000+ a year Plus kept all his liquidity in case of an emergency. No debtooors...sad

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Kids make you a better person. Not debateable

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

PSA If your 100lbs over weight and never worked out And your trainer has you doing box jumps And it's on a soft cushioned box And the box is so high you keep missing And you are doing it for high reps And you just landed awkward, fell hard And he says...

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 months

Wife's friend is pretty big IG mom account She had a strange man come up to her 9yr old daughter and know her name and things she likes People posting their kids online are inviting for this type of stuff

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

100% We talk to adults using smaller words, sentences, and concepts than we talk to our toddlers. It shows. Kids are much smarter than people give them credit for

Cernovich

@Cernovich

2 years

Also talk to baby. 500 unique words a day as little one = life hack. I narrate where we are going. “We are on a hike. Your two sisters are with your mom. You have an oldest sister and an older sister.” Legit talk to them. No “goo goo sounds.” Real words.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 months

You can literally just wake up and change the course of your life Yet so many adults refuse to take agency and do it Seemingly once a month I have this exact convo "I hate my Job and don't get paid enough, I wish someone told me about actuarial science" (My job )⏬️

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

15 days

No. No it doesn't They skew these numbers terribly by including the hypothetical "rent" cost of a room for 18 yrs and other nonsense Always be family maxxing don't fall for these psyops

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Imagine if there was a way to earn 2-5%+ returns by purchasing items and getting fully reimbursed by work. Like maybe a card you could swipe🤣 Perfect example of dogmatic thinking missing a gift. Hate having corporate card as it's giving away points and miles

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 month

At lake Kid about 8yrs old crying in water asking parents to come swim. Parents sitting there drinking day beers and telling him "it's our weekend, we are relaxing" Got to feel for some of these kids man

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Interviews go both ways. Who would want to work at a company that the CEO thinks so little of your time they pull this? Nope. Bad take and bad company

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Budgetpoors will legitimately tweet this and beleive it I used to run thru a a tin of dip a day and even I never coped this bad

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Do young kids not go to the gym Friday afternoon to crush upper body And then go out for the night w a pump anymore?

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

If you like dogs. A dog kennel has to be a cash cow. 5 girls running the 9-5 for dozens of dogs in overnight and dozens daycare. Cost almost $50 a day for a dog to board overnight. Place has to be just printing cash unless the insurance is thru the roof.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

🤡🌏🤡🌏🤡🌏🤡🌏 If you get a new mortgage, spend a few monthscrashing your credit score and get a 2.75% fee arbitrage. What a joke we are becoming

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Truth bombs...I know a guy who walked outside to get his mail because it was 94 degrees. Then the sun came out from behind a cloud Popped the temp up 1 degree. Died before he got back to front door. You literally can't be outside in 95 degree heat without bursting to flames

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

8 months

Just hit $5k in my savings. Feelin cute Going to go flip my boss the double bird He don't know I got that FU money cuz

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

If your gooroo tells you you can become a millionaire on 30k a yr in USA in 2022, and you believe him, I feel sorry for your future self and your entire bloodline.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

The ESG grift is real. Windmills of 1 company have killed 150 bald & Golden eagles. If there is a better symbolism of the ESG grift than a windmill bludgeoning a bald eagle to death I can't think of it

Kuppy

@hkuppy

3 years

These ESG cunts with their shitty windmills are killing bald eagles and they claim that traditional energy producers are the bad guys??🤷‍♂️🤷‍♂️ These ESG guys are as bad or worse…👇👇

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

"That's good, it shows we can improve your balance" And you are wearing a landscaping shirt meaning you probably aren't white collar office work so you can't get injured You may want to find a different trainer (Unless your disability is >>>> salary) This is financial advice

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

30 year olds can get a $500k term life policy for under $30 a day The average US salary is under $60k a year You can replace almost 10 years of income for less than a daily cup of coffee. There is no excuse for being uninsured if you have a family

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@FilledWithMoney Seeing this right now at my comp. Massive turnover Senior execs looking to do more appreciation events instead of paying people more. Crazy

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Wealthy families are setting up huge trusts and foundations for their kids to succeed But you are being told to kick yours out at 18 to make it on their own Think about it

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Tell her to run to the cars. GOOOO!!!! Dash tf out Now you see what kind of genetics she is bringing to the relationship. If she can't weave and out run the wait staff? She's for the streets. What are you going to let her deplete your genes? Give you slow uncoordinated kids?

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

Unless your getting paid for it Leave the political doom scrolling and commenting till you get filthy rich 4+ months of this will rot your brain and soul

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Seeing more and more of this propaganda.. Secure your wealth so your kids don't need to eat grasshoppers

Could grasshoppers really replace beef?

Crickets and grasshoppers are not only packed with nutrients but are less harmful to the climate too.

www.bbc.com

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

It can't get stupider. Could literally have put the money in a checking account at 0.01% and been better off. Found the type who wouldn't take a 0% loan

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

4 months

Making enough to have option to retire your wife So she can hang out with her mom, who was able to sahm, at the pool with your kids and their cousins And have a multigenerational extended close family Is the real life hack

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

You don't want suboptimal children do you Anon? If she makes it out, you got a keeper. If she doesnt even run? Clearly poor decision making ability She got caught? Too slow. Free meal + qualified her Follow me for more advice

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

When given 0% financing on a purchase. I nearly always take it. Have a high yield checking account solely for this purpose. Drop the purchase price in the account. Set up autopay Earn 4% interest for free Don't think about it again. Free money for almost no work

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Don't fall for all the psyops Help your kids financially, especially when starting out Huge benefit to their lives

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

4 months

@BowTiedOlive Never let on you have free time Always say over capacity Talk about prioritization often Set deadlines 2x what it'll take you to do Find menial mind numbing stuff and never complete it just so you can point to how busy you are Then crush the high profile stuff

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

9 months

Who wants to tell him... Homes appreciate whether paid off or not. Absolutely atrocious takes Also you'd have~5yrs left on your 30yr so you'd have like a 10k mortgage left.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@StephenCFU_ Let your friend borrow your power wheels And in return they give you a hot wheel every day until you ask for your power wheel back

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

6 months

You know what I haven't seen on the timeline in months Any creami posts Remember when everyone knew everyone had to have one because drinking a protein shake was hard... Let's check on those? (And I have got a half dozen dms from dudes who got suckered and only used it 2x)

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 months

Fast fwd 30 yrs Kid has his future twitter "Went to see dad for his annual visit on the home. He dropped his single scoop of ice cream, the only joy he still has living alone Didn't get him a new one Life's tough nick" Twitter hustlers are worst parental advisors

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Guy making 50k and budgeting hard while looking at "FIRE" chart telling him he can retire with $875k Then realizes he can't afford a house in current market But doesn't realize the answer is making more money, not budgeting harder How do we help these people???

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

The lengths people go to protect the ego with half truths and equivocation Instant tell

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Can you imagine if your kid gave you some food they bought and this is your reaction? What a jackass

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Yes...Kids can choose to take underhand toss This kid clearly just wanted his mom to see him hit a thrown ball despite not being ready Mom couldn't have cared less...sad

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Everyone wants a generational buying opportunity....until they get a generational buying opportunity. Get enough cashflow you are able to save ample $ every month. Then you never have to sell and can buy the dips

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

Some fatherly advice - have rituals with your kids. We eat breakfast at same little dinner every week after church. Talking to my oldest and she was saying how she couldn't wait to go tomorrow. I got a vivid flashback to being a kid and every Saturday going to bfast spot.

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Listen ... I am big on letting adults do what they want as long as it doesn't impact others rights And Lord knows I've had my share of benders And I was cool w the change in laws when it happened. But grossly underestimated how inconsiderate weed smokers are Everywhere reeks

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

$100k is a nice round number that puts you in the upper income range But adding a side income of $10k is equivalent to a 10% raise That is like 3+ yrs of raises. Start adding income streams to really start moving ahead

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Buy land. Build cul de sac Divide into equal lots. Build a house for each kid and parents who want to live there. Have multiple generations of Fers be only house on street and no one has a mortgage to pay

TJ | Ramp Health

@Thomas_Salamus_

1 year

A standing Wednesday morning tee time May seem petty to some but that's a life goal and a gigantic motivating factor for me

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

Europoor mind can't comprehend how large states are or how different areas of the country are. A euro going to 8 countries is the equivalent of an American going to 8 states

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Yoooo....this a joke? Prove your an absolute 💩 tier know nothing... Rebrand to an even broader subject... Dividend kid didn't understand vesting. Now he is a finance guy??? 💀💀💀💀

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Had a convo with an old friend. Wants to retire early with a big 8k sq ft lake house. How is he going to do it? By saving extra hard with his $75k a yr nurse job. Late 30s and waiting to date till he can get his saving rate over 60%. Froogal FIRE reddit destroyed dude

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Have a father son lawn mowing service. Dad dropped out of HS and doing it for 40 yrs. Show up like clockwork and are friendly guys They now do 11/12 yards on my street due to poor customer service w the neighbors lawn care companies Clear $1,500+ for not a full day's work

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

10 months

So many people take pto this Friday. It is the perfect office day. Wfh. No work. Get out early. Waste of a perfectly good pto

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

6 months

600 degrees hotter... Wouldn't this just wreck all your pots and pans?

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Corp America lost it. Imagine crying on video when presenting on a company wide required training on anxiety and trauma. 3 people so far... very very confused

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Meeting with extended team at W2 One person has, for 20 years, uploaded data every night between 7-8pm. "Where does it go?" To the overnight upload "But then where? Like what would happen if you didn't do it?" I dont know. Bruh, 20 yrs you doing a task & never asked why??

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

@steve_hanke @RobinhoodApp Thank goodness no one on wall st ever traded under the influence before Robin hood

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

$180k at 6% interest rate is < $1k a month in interest. So for a decade you paid <$1k to your loans, watched the balance go up Didn't refi ever, including at 2.5% apr (interest only $375 a month at that point) These people are driving the narrative around loans😬

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

7 months

Don't believe the psyop It doesn't have to cost anywhere close to $350k to raise a kid All kids need is the basics and lots of love and attention

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

If Dave ramsey told you how to get wealthy Instead of how to limp along a little better He'd lose a paying customer Lesson in there

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

No matter how long we get energy, it never seems like enough after reading a post from @hkuppy summarizes all of what we are expecting from energy & more - worth a read

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

Are these "people who save on $30k a year" in the room with us right now?

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@JDrum84 @bonchieredstate I think a lot of people (of all leanings) say the fed govt shouldn't be in the student loan business. But then the rates would likely be higher since private loans would reflect the credit & likelihood of paying back. Or colleges loan directly (my preference)

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Feel bad for those guys who are always $10k away from feeling good enough to go on that vacation. Just talked to a richer uncle in law. Guy has mid 7 figs and still making good money. But market is still down so doesn't want to go on his honeymoon yet Married 5 yrs ago

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

5 months

Hilarious "The account called worst financial takes is stealing my material, ban them"

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

A high w2 salary is enough to be well off. And it's a great start. Don't let the $50k a yr twitter po bois guilt you into believing otherwise. But if you want to get truly wealthy in a hurry. You need to do more

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

@BowTiedNightOwl Real life convo Wife: "what are you doing?" Me "gas is low and want to get into something"... Wife "this another too good to be true scheme mufasa told you". Me "don't be ridiculous. First, it's scar. And second, this scheme is from an owl"

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Bros. Kids were at the park with wife. Apparently some older kids were being mean to them. They are telling me about it after. My toddler daughter (she is a female F'er) is sitting waiting patiently. Then goes (in toddler girl voice) "I said we should go fight them" 👀🤣

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 months

No It does not

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

@UncommonYield Visit her at her job between rounds of golf?

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Last few days is a good reminder Live your life Yes, save your 20%+ and invest it in assets. But living like a froogal monk for 40 yrs hoping for a nice retirement is throwing life away. And life can be fleeting Enjoy yourself along the way

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

6 months

Brothers I know it is tempting to tell your gf/spouse about your trading prowess But the day you let her know you are casually throwing a few thousand into cartoon coins There is no going back You can't scoff at the $500 random trash she is going to buy

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

Lightening the mood around student loans a bit this fine Friday

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Pros of making kids order their own food at restaurants: -Confidence -Talk to adults -Assertiveness -Being present Con of making kids order their own food at restaurants: -"I'll have the scallop special" [F'er watching 8 yr old audible to a $65 plate, not hotdogs like she said]

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

6 months

1) I remind you again, ave millionaire is a boomer who bought a dirt cheap house in 80s at super high apr where this made sense 2) real wealth keeps paid off home in llc or bank w a loan 3) what someone who is rich already does is not necessarily what you should do to get rich

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

4 months

Wife: shows IG clip of some hot health trend Fer: ...you never heard of this? Maybe someone close to you hasn't been talking about this for 10 yrs? Wife: ... Fer: yes, here is magnesium tablets from my 10 bottle supply that you watch me take every night and tell you to take

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Lord grant me the confidence of the 25 yr old trainer who in the same conversation said -I am jogging here because I can't afford to pay car insurance And -ill have $5mm in next few years. It's so simple, just gonna buy RE and set up LCCs (yes, said it wrong 10 times)

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

8 months

Oldest son hilarious and also probably on the spectrum Classmates love him. He is grossly indifferent and doesn't know anyone's name Tasked him a few weeks ago with learning 1 name. He come home and said he helped Charlotte. Keeps talking about her Well pick him up today⏬️

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

8 months

Bro....this is "don't lose your house if you get hurt money" FU money is when you can drop 5+ figs just to tell someone FU. And you never have to do anything you don't want it. My goodness some of these takes on fintwit are embarrassing

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2

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

@BowTiedOx @MFuoriclasse Someone can drop mf face and BT Ox in here to really spice it up

0

1

64

BowTiedF'er - Chad Personal Finance

@BowTiedEffer

3 years

@ThomasSowell How many legs does the fastest swimmer in college women's sports have if she is wearing one of these?

4

7

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

If you are eating on a budget. Chicken thighs Beans Rice Frozen veggies Lots of spice Banging meal everytime. Cheap af. Financial savings never been easier

10

3

61

BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Twitter hates tipping culture... But bros, when you order delivery from a local pizza place. And the 16 yr old in a beat up car delivers. You tip atleast $20. Don't matter what you order...its same delivery cost for him. Apparently people give this kid 10%. Barely cover gas

7

1

61

BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

Twitter really got all of you buying an ice cream maker? After the novelty wears off, it's just going to be sitting on a shelf Scrolling TL and a lot of you sound like the wife justifying after she makes a purchase off IG

19

2

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

1 year

No matter how old I get. Building an elaborate canal system in the sand at the beach never gets old. Glad to have kids old enough to partake now

9

1

63

BowTiedF'er - Chad Personal Finance

@BowTiedEffer

9 months

The goal is to stack cash early 10% on $10k isn't much. 10% on $1mm is more than most people make in a year. Invest early and heavily and enjoy the fruits later

4

3

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BowTiedF'er - Chad Personal Finance

@BowTiedEffer

11 months

Yesterday all IQs over 50 who hadnt yet realized Dave ramsey has terrible advice Today I wake up and people are hearing Warren buffet front run trades at Berkshire (allegedly) and people are realizing he is a rent seeking snake and bad person Feels good to be on right side

8

3

61

BowTiedF'er - Chad Personal Finance

@BowTiedEffer

2 years

It's beautiful

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