Karla Stamps @Karla_VBF Twitter profile | Pikagi

Pikagi

Karla Stamps

@Karla_VBF

789

Followers

247

Following

81

Media

3,477

Statuses

20 yrs in finance ✨ Sharing insights about money and financial psychology ✨ Solo RVer ✨ Nomad spirit ✨ Still learning

⬇️ Less $$ Stress Newsletter

https://t.co/NXeo78Gqxh

Joined November 2022

Don't wanna be here? Send us removal request.

Pinned Tweet

@Karla_VBF

Karla Stamps

6 months

Taking these common phrases out of your daily conversations will improve your relationship with money: "I can't afford it." "I'm broke." "I'm not good with money." Changing the way you talk will change the way you think about money. And what you think about, you bring about.

@lindsaystamp3

Lindsay Stamp

6 months

5 years ago when I heard the word “money” the first thoughts that came to my mind were: - Shame - Stress - Guilt Now when I hear “money” I think: - Abundance - Opportunity - A tool The longer I operated in the top category, the longer I struggled with my finances 💯

44

12

135

13

1

52

Last Seen Profiles

@tjhclassic

@miolly_0

@nicholasroyle

@LeighKimberg

@RossvaleFCWomen

@e9sr0Nsvto3sQnz

@micciaaa

@t_shiragata

@tiacallate_

@AustinINstate

@yuy50681392181

@mei__meichan

@chola_argenta

@NSGalerts

@reauliab

@Mevlutpollat

@akiakitanpan627

@astroaroha0401

@huskySSBM

@cookiesbuna

@OlegZorky

@assamboz

@machida2233

@NicXTempore

@jandakembangstw

@jilinchangchun1

@DrPMilcetich

@ArashiIbrahim

@VirVox_pjt

@marcusmartinus

@Mayicidio

@Passsutri69

@emilyyvuong

@gabriellebarile

@MackHarmston98

@haughtreche

@Karla_VBF

Karla Stamps

3 months

Grocery shopping. I don't know which part is worse: Planning what to buy The dread of going Being in the grocery store for over an hour The sticker shock when you see the total on the register Carrying the bags from the car to the kitchen Putting everything where it

822

113

2K

@Karla_VBF

Karla Stamps

3 months

Riddle me this: What are the odds of a single person making $23 an hour finding decent housing? $23 hr = roughly $3.9k per month For a single renter, they would qualify for ~$1,170 per month. Or At 7% interest and $10k down, that income would qualify for a house that costs

392

36

467

@Karla_VBF

Karla Stamps

3 months

@sweatystartup Blessing in disguise.... Leaving probably saved his life and his marriage. Working 80 hrs a week indefinitely can kill everything you care about, including your health..

0

1

413

@Karla_VBF

Karla Stamps

5 months

Do you do your own tax return? I pay a CPA to do my return - even though I've worked in finance for 20 yrs. The tax code and its annual updates are complicated. I want every possible benefit of it - and a pro at my side in the event of an audit. #taxtwitter

74

5

181

@Karla_VBF

Karla Stamps

3 months

@MikeSyl36625988 Oh please bottle up your secret and sell it. It's become almost phobic to me! I put it off until there's not a crumb left to eat.

20

0

159

@Karla_VBF

Karla Stamps

3 months

Your earliest childhood memory about money often says a lot about how you deal with money as an adult. My dentist remembers being in elementary school and a kid wanting his candy bar. He sold it to him in exchange for the kids lunch money! The next day, he brought two candy

30

0

88

@Karla_VBF

Karla Stamps

3 months

Why do so many people have to keep working past retirement age? Why don't people save more money? My answer may be unpopular, but many people - and I've worked with them - aren't financially literate. Others go through hardships that most of us can't even imagine. Others go

Tweet media one

125

8

84

@Karla_VBF

Karla Stamps

4 months

What time is it? And what time is it in Arizona? #sundayvibes #DaylightSavingsTime

2

0

25

@Karla_VBF

Karla Stamps

3 months

@tabbPlomaritas Exactly. It's bleak for suddenly-single people with children. And the spread between income and the cost of housing keeps getting wider and wider.

10

1

71

@Karla_VBF

Karla Stamps

6 months

@Akwrdlizardd Same. You're the first person who's ever said Exactly how I feel about my name. 😳 I've never understood it, but it's always bothered me.

2

0

64

@Karla_VBF

Karla Stamps

3 months

@Wealth_G3n Exactly!!! It never fails! I just spent $230 and am literally standing here wondering what I'm going to eat tonight. It's crazy-making! 😅

6

1

63

@Karla_VBF

Karla Stamps

1 month

@DarrigoMelanie Yes!!!! If more people read corporate SEC filings, they'd see evidence of price gouging/fixing in the financials and court cases against the companies. Inflation and politicians get the misplaced blame much of the time.

8

17

63

@Karla_VBF

Karla Stamps

3 months

@sweatystartup The South has its own special kind of weirdness and expectations for your life. And traveling to other places in the world is what made me realize it. 😉

3

0

51

@Karla_VBF

Karla Stamps

16 days

@TheMattViera The Grand Canyon

Tweet media one

7

0

47

@Karla_VBF

Karla Stamps

3 months

@MrBudgetBill No, but I once worked with a company who fired someone after finding out they had lied on their resume about having a degree they didn't have.

4

0

45

@Karla_VBF

Karla Stamps

3 months

@Jake___Oliver I agree. It's been humbling to me to sit across the table from someone who's in this situation.

2

1

42

@Karla_VBF

Karla Stamps

4 months

What I thought would make me happier vs what does: Age 20-40: A swimming pool A home theatre A grand piano Today: Camping Reading Walking on wooded trails & hiking the red rocks with my 2 dogs What does this have to do with helping clients with their money relationship?

11

2

43

@Karla_VBF

Karla Stamps

16 days

As a numbers junkie, the thing I can't stop thinking about is this - Why does the U.S. have a minimum age rule for Presidential candidates, but not a maximum?

23

0

42

@Karla_VBF

Karla Stamps

2 months

One of the biggest financial mistakes I've made is not keeping every house I've owned. When I was married, I wanted to have rentals and would actively search the market as a hobby. We just never made it happen. But several years after being divorced, I was ready to move

20

0

39

@Karla_VBF

Karla Stamps

3 months

@mark_aleks My final paper in college was on the explosion of the size of the average home in the U.S. since 1950. It's a fascinating topic and there's not enough space here to talk about it 😅 I downsized and don't regret it.

8

0

39

@Karla_VBF

Karla Stamps

3 months

Empathy. Do you agree it's something our society needs more of? "Empathy is a complex capability enabling individuals to understand and feel the emotional states of others, resulting in compassionate behavior. Empathy requires cognitive, emotional, behavioral, and moral

36

3

38

@Karla_VBF

Karla Stamps

3 months

@HC_Richardson A legend. Thank you for sharing this! While watching, it felt like peace could be possible after all.

0

0

38

@Karla_VBF

Karla Stamps

3 months

@JoeTegerdine That's a great point. And as a mom, I'd give anything for my daughter to move back in with me. Bravo on your oldest being smart and saving money early!

1

0

36

@Karla_VBF

Karla Stamps

25 days

@unusual_whales Odds are that a larger % of those "bosses" are the reason those employees don't want to return to the office. 😅

1

1

34

@Karla_VBF

Karla Stamps

5 months

@matt_gray_ Of the 20 sentences, I think "done is better than perfect" is the one beginners need to repeat over and over. I'm new at blogging and writing a newsletter, and I find myself spending hours choosing photos, fonts, and doing editing. 🤦🏻‍♀️

1

2

34

@Karla_VBF

Karla Stamps

2 months

I took a week off from work and social media. And I honest-to-God missed the people I follow on X. I've never met any of you in person, but in just 6 months, I feel like you're my friends. Thank you for that. 💜

13

0

33

@Karla_VBF

Karla Stamps

4 months

@MarketPalmer_ The saddest part of the story is that they lost each other. Material things aren't the glue that can hold a family together when something catastrophic happens.

2

0

31

@Karla_VBF

Karla Stamps

3 months

@AMcAfeeRealtor Agree 100%! The impossible part - at least in the area I'm in - is finding a house for under $125k because that's all someone making $23/hr would qualify for.

13

0

30

@Karla_VBF

Karla Stamps

3 months

@lagoesminombre And God forbid you should take a year-long sabbatical from your self-employment. I did that and lenders acted as if I'd never worked a day in my life.

3

0

30

@Karla_VBF

Karla Stamps

2 months

Having an emergency fund becomes unnecessary when you make far more than your monthly overhead and you don't let lifestyle creep get out of control. And that feeling is great!

21

0

29

@Karla_VBF

Karla Stamps

6 months

Do I regret not investing more when I was younger? YES Do I regret taking sabbaticals before retirement and spending my money on experiences vs "stuff"? That's a hard NO. 😊 A sabbatical from work became necessary when I hit the wall with burnout. I was working 60-70 hrs a

8

1

25

@Karla_VBF

Karla Stamps

2 months

Traveling in an RV for over 2 years taught me that I don’t need much “stuff” to be happy. Two dogs, my favorite books, and the ability to stay in touch with friends and family were my 3 can't-live-withouts.

Tweet media one

9

1

26

@Karla_VBF

Karla Stamps

2 months

@Thefrugalgay11 Aldi for the win 🎉 I spend about $75/week for 1 person, including household supplies and toiletries. Now let's talk about how much we spend in restaurants😅😬😅

3

0

26

@Karla_VBF

Karla Stamps

19 days

@MarketPalmer_ If you go to Traverse City, take the ferry to Mackinac Island if you haven't already been. It's magical!

7

0

26

@Karla_VBF

Karla Stamps

3 months

@MichMcGrath59 Ok yours is the coolest comment I've seen so far. I don't know about this app but will look for it!

4

0

24

@Karla_VBF

Karla Stamps

4 months

Ever counted all the stuff in your house? An inventory, like a store does. The a-ha moment started when I read "Your Money or Your Life" not long after moving. It suggested inventorying your stuff. Coincidentally, I was also reading a book about the plight of children in

Tweet media one

14

2

25

@Karla_VBF

Karla Stamps

3 months

@AdultingIsEasy I regret selling the first house I ever owned after I upgraded to a larger house. Should have kept it as a rental.

5

0

24

@Karla_VBF

Karla Stamps

25 days

Didn't expect to find this 🤯 I've been downsizing for years. With only a few boxes left to purge, I was shocked to find a bag of silver in a box of keepsakes a few days ago. 45 ounces - my memory was that I'd sold it decades ago when I sold off some gold. Now the question

Tweet media one

27

0

22

@Karla_VBF

Karla Stamps

3 months

@a_tostig It. Was. A. Joke. Sorry you were triggered. 😅

2

0

22

@Karla_VBF

Karla Stamps

4 months

@stats_feed Depression. It's real. There are many young creators saying depression isn't real or that it can be cured with a good attitude and walking. And that's a dangerous message.

1

1

21

@Karla_VBF

Karla Stamps

2 months

Only 7% of Americans make over $150k ? Interesting, because this app makes it seem like only 7% don't make that much. 😉

@FluentInFinance

Andrew Lokenauth | TheFinanceNewsletter.com

@FluentInFinance

2 months

If you're feeling behind financially, remember: • Average consumer debt is $23,000 • Only 7% of Americans make over $150,000 • 37% of Americans aren't investing for retirement • 66% of Americans are living paycheck to paycheck • 43% of Americans expect to be in debt for the

55

681

4K

11

0

21

@Karla_VBF

Karla Stamps

4 months

At your funeral, do you want people to talk about what kind of car you drove, how big your house was, or how you hustled 24/7?

20

2

20

@Karla_VBF

Karla Stamps

27 days

It's possible to travel the world and live in semi-retirement long before the traditional retirement age - without having millions. Downsizing made it possible for me!

Tweet media one

6

0

20

@Karla_VBF

Karla Stamps

3 months

@archi_tradition Dubrovnik

0

0

18

@Karla_VBF

Karla Stamps

1 month

Analysis paralysis is my nemesis. We give it cute names like "going down the rabbit hole". But I need a support group. It's gotten way out of hand.

9

0

18

@Karla_VBF

Karla Stamps

20 days

Credit card offers are today's drug dealers.

8

0

19

@Karla_VBF

Karla Stamps

19 days

3 quotes that will help you push through hard days, weeks, or months: ✨This too shall pass. ✨Leap and the net will appear. ✨Worry is praying for what you don't want. What's your favorite mantra? #quotestoliveby

8

0

17

@Karla_VBF

Karla Stamps

3 months

Voices competing for your attention: Social media Investments Advertising Your future Your work Your past Podcasts Friends Family Books TV Which one is winning?

11

1

18

@Karla_VBF

Karla Stamps

3 months

Fear is a common emotion about money. Due to the nature of my work, I've had intimate conversations with people about their money over the last 20 years. Fear is a common thread in all of those conversations. I've worked with multi-millionaires on investment and financial

9

0

18

@Karla_VBF

Karla Stamps

4 months

4 Lessons I Learned After Downsizing: - Less time cleaning = more time doing what I enjoy. - Clutter can negatively affect your state of mind. - Turns out I didn't need all that stuff I was keeping “just in case.” - I'd rather spend my money on traveling than keeping up a big

8

1

17

@Karla_VBF

Karla Stamps

2 months

@GabrielKohenCPA I agree and I respect the younger generations for holding out for it!

0

0

18

@Karla_VBF

Karla Stamps

4 months

@SelfMadeMastery @Wiserfool2 🙋🏻‍♀️ I'll answer the question about outsourcing the upkeep -only from my experience. Unless you also want to hire a Home Manager, your time becomes consumed with scheduling/managing the landscaper, the pool cleaner, the home cleaners, repair techs, electronics techs, etc. And

0

0

17

@Karla_VBF

Karla Stamps

7 days

@valueterminal Saw this video a few days ago and I'm still trying to figure out why it's triggering me.

3

0

18

@Karla_VBF

Karla Stamps

6 months

@theficouple 276,742 and running like new until someone hit me and totaled it on Dec 18 😥. To replace it, I bought a 2014 Avalon for $15k, 98k miles on it and I expect to drive it at least 10 years. Toyotas for the WIN!!!

Tweet media one

0

0

18

@Karla_VBF

Karla Stamps

17 days

Time in nature puts things into perspective for me. "I see trees of green Red roses too I see them bloom For me and you And I think to myself What a wonderful world." Words and music by George David Weiss and Bob Thiele, recorded by Louis Armstrong in 1967.

10

1

16

@Karla_VBF

Karla Stamps

3 months

@EbnethGeorge I agree that it's possible. The women I referred to in the post are newly single and have children. Yes, they can "work hard" like you and I did. But the odds are stacked against them at this point - in a way it wasn't for me. And the housing market today is sadly not the

10

0

17

@Karla_VBF

Karla Stamps

3 months

@MarketPalmer_ 😅 this is a funny thing to debate! I'm on the side of it being a normal thing. And there's often a hilarious story to go along with riding a horse.

0

2

17

@Karla_VBF

Karla Stamps

14 days

$39,000. That's what a close relative said he's already spent on pre-paid funeral arrangements for he and his wife. And he still plans to pay for vaults - another $995 each. This pretty much settled my decision for cremation vs burial.

14

0

17

@Karla_VBF

Karla Stamps

3 months

@lindsaystamp3 And the housing market is so much more challenging today for low income earners. I don't think my generation realizes just how lucky we were. Even when rates were super high, houses were affordable to most people.

4

0

17

@Karla_VBF

Karla Stamps

28 days

Beware of the word "someday". Do it now.

8

0

15

@Karla_VBF

Karla Stamps

5 months

When I stopped obsessing over clothes, cars, and a big house, I learned I had plenty of money to take all those trips I thought I couldn't afford. And when I gave up a job I thought I couldn't live without (but was killing me), I discovered time freedom was more important to me

6

0

16

@Karla_VBF

Karla Stamps

2 months

May is mental health awareness month. Check on the people you love. #mentalhealth

@ariannahuff

Arianna Huffington

2 months

A reminder to embrace our full selves. #MentalHealthAwarenessMonth

Tweet media one

3

7

36

1

3

15

@Karla_VBF

Karla Stamps

4 months

@lindsaystamp3 With each passing year, all I want is more time. "The days are long, but the years are fast" is so true.....

2

0

15

@Karla_VBF

Karla Stamps

3 months

Some people say the American Dream is dead. I say Create Your Own Dream. You're not a follower. Dream Your Dream.

Tweet media one

8

0

15

@Karla_VBF

Karla Stamps

23 days

"Time flies" isn't just a cliché. It's real. While I don't live with regrets, I do wish I could go back in time and have a little talk with my younger self. I'd tell her to stop buying stupid expensive clothes and makeup - and to put that money to work instead.

7

0

14

@Karla_VBF

Karla Stamps

3 months

@TheMattViera It's easy to take air conditioning/heat, running water, electricity, refrigerator, coffee maker, etc for granted. My rural grandparents didn't have any of those when they were kids. They used to tell us stories about it to help us appreciate modern living.

1

1

15

@Karla_VBF

Karla Stamps

3 months

@mark_aleks Many factors, but the development of "suburbs" along with the invention of appliances like dishwashers, larger fridges, and washing machines & dryers played a role. The marketing of the "American Dream" was a joint venture between residential developers and manufacturers of

6

2

15

@Karla_VBF

Karla Stamps

4 months

Self Sabotage - financially it can look like: ▶️ Not having an emergency fund and doing nothing to start one ▶️ Mindless spending…..are you using spending to fill a void? ▶️ Not canceling subscriptions you no longer use

6

0

15

@Karla_VBF

Karla Stamps

2 months

Is this the new norm for women's shoes? 🤯 I'm frugal, so finding 3 aisles of sandals priced $150 and up was shocking.

Tweet media one

14

0

14

@Karla_VBF

Karla Stamps

2 months

The sticker shock when you can't take your 2 dogs on a trip and the cost to board them is more than your Airbnb. 🤯🤔😜

8

0

14

@Karla_VBF

Karla Stamps

28 days

Camry lovers get some hate on this app. When I talk about driving a paid-for car with high mileage, it's not because I'm promoting it as a way to get wealthy. It's because I want to encourage lower income earners that you don't need a flashy expensive car to be happy.

Tweet media one

3

0

13

@Karla_VBF

Karla Stamps

2 months

To Millennial and Gen Z Moms: I see you. You're intelligent. You're informed. You are change-makers. You're navigating an economy, housing crisis, and world events unlike anything my generation had to deal with. And you're doing it bravely. My daughter is about to

5

0

14

@Karla_VBF

Karla Stamps

1 month

Learning a "Values Based" approach to money later in life might look like this: Realizing your deepest desire was to: - Work less - Spend more time with your kids - Travel the world - Own a business - or to have finished a degree But you've worked your ass off the last 25

5

0

14

@Karla_VBF

Karla Stamps

3 months

@Pattiwestside Exactly. It makes me feel a bit hopeless when teaching financial literacy. I used to think I had all of the answers because I could teach the nuts and bolts of money. But the reality of low-income workers with children - in this housing market - is overwhelming.

2

1

14

@Karla_VBF

Karla Stamps

21 days

They call us Consumers - But a company is the one consuming our $$$ when we buy stuff instead of investments.

6

0

12

@Karla_VBF

Karla Stamps

13 days

"Retail therapy" is real. It's a form of self-medication just like alcohol and drugs. Ask me how I know.

4

0

12

@Karla_VBF

Karla Stamps

3 months

Everyone I've met on X is doing GREAT financially 🤩 but stats say the Majority of Americans are struggling. I help people get out of credit card debt, increase their income, and create a plan for their future that aligns their values with their money. If you know someone who

7

0

13

@Karla_VBF

Karla Stamps

3 months

@shannonrwatts There's a certain "coalition" working hard to replicate book bans where I live and it's frightening.

4

1

13

@Karla_VBF

Karla Stamps

7 days

Short term status move: buy the product Long term status move: buy the company's stock

9

0

12

@Karla_VBF

Karla Stamps

15 days

The free "University" of YouTube has taught me how to: - Meditate - Build a website - Use basic HTML code - Improve my negative mindset - Jump start my car & RV batteries - Wire a 12v CO detector in my RV Lifelong learning is my #1 life value. 😊 I dedicate time and money to

@neuranne

Anne-Laure Le Cunff

4 months

They say school kills creativity. Except for that one giant school called the Internet where you can shape your creative journey: • Curate your curriculum • Choose your teachers • Learn by doing & building projects • Get instant feedback • Explore different creative mediums

13

7

107

6

0

12

@Karla_VBF

Karla Stamps

2 months

@HC_Richardson I enjoy all of your content. 🙏🏻 You must have spent endless hours on those historical posts. And the graphics were well-chosen too. Thank you.

0

0

12

@Karla_VBF

Karla Stamps

7 days

Every time I buy groceries, I feel like the prices are higher. To confirm it, I pulled my YTD expenses on food to see just how much more it was costing me in 2024 compared to 2023. Frankly, I'm shocked. Could the difference be because I'm shopping at Aldi more in 2024 ?????

Tweet media one

7

0

14

@Karla_VBF

Karla Stamps

5 months

@JWellsTax It's just as easy to book it correctly, but I see it done the wrong way all the time. I have a new client whose business has a 40 year history of reporting sales tax as an expense. 🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️ They use a huge CPA firm who argued with me that it was okay.

3

0

13

@Karla_VBF

Karla Stamps

4 months

Controlling your time, mindset and money = a trifecta.

8

0

12

@Karla_VBF

Karla Stamps

5 months

Time is our most valuable asset. Automating financial tasks gives you more time to do the things you love. Here's how I automate my financial life: ✅ I use QuickBooks online. Love it or hate it, it’s what all of my clients use too. ✅ Every bank account, credit card,

2

0

12

@Karla_VBF

Karla Stamps

3 months

@MBrand58224 Sounds like you made a smart decision!

3

0

12

@Karla_VBF

Karla Stamps

26 days

If I had a do-over, I'd have been a minimalist my whole life. Tons of benefits!

4

0

11

@Karla_VBF

Karla Stamps

5 months

What are you learning today?

Tweet media one

5

0

12

@Karla_VBF

Karla Stamps

16 days

Learning is one thing. Implemention is THE thing.

4

1

12

@Karla_VBF

Karla Stamps

1 month

You make commitments to other people and you do what you say you're going to do. Whether it's showing up for work every day at a certain time or picking up a friend from the airport. You do it. So why is it so easy to dismiss the commitments we make to ourselves?

6

0

11

@Karla_VBF

Karla Stamps

4 months

@hashjenni Same. I blame it on the pandemic shutdown. Things haven't felt the same since.

0

0

5

@Karla_VBF

Karla Stamps

5 months

BEFORE: Spent all of my money to keep up a dream home with a pool, home theatre, an HOA + high utility bills & insurance. AFTER: 850 sq foot paid-for home base with a laughably low cost of living and a motorhome that takes me to the most beautiful “back yards” in the country.

Tweet media one

1

0

12

@Karla_VBF

Karla Stamps

26 days

First jobs usually aren't W-2 jobs. But they gave you your first taste of how your skills and time can be traded for money. Babysitting Walking dogs Mowing lawns Shoveling snow Lemonade stands Delivering newspapers Good memories, funny stories, and money to spend on whatever

6

1

11

@Karla_VBF

Karla Stamps

3 months

There's a lot of fear around money. Even the wealthiest clients I work with are afraid of losing money. I don't have that fear anymore. Because I learned you can survive any financial crisis that doesn't rob you of your LIFE. Here's what took the fear away from me over the

6

0

12

@Karla_VBF

Karla Stamps

3 months

@FluentInFinance Lord have mercy I wish I could copy/paste this to all the comments on a post I did this morning about the cost of housing. Some people will argue with a rock that just because they bought a nice house 30 years ago while making $15 an hour that kids today can do it too.

0

0

12

@Karla_VBF

Karla Stamps

4 months

Worrying is like praying for what you Don't want. Cliché, but true.

4

0

12

@Karla_VBF

Karla Stamps

2 months

If you have even the slightest doubt about whether your marriage is going to last - Document EVERY detail of your financial life together NOW. I've worked with men and women who were ruined financially in a divorce because they didn't know all the details.

5

0

11

@Karla_VBF

Karla Stamps

2 months

It's possible to lead a happy life without being a millionaire. And even without making $100k/year in some places. ⬇️

@MinorityM1ndset

Jaspreet Singh

@MinorityM1ndset

2 months

The internet: If you make $100k a year you're broke and will always be broke. The reality: 82% of America makes <$100k a year... What you do with your money is more important than how much money you earn.

4

12

80

5

0

11

@Karla_VBF

Karla Stamps

4 months

Gratitude Sunday. Feeling thankful for the great outdoors today 💜

Tweet media one

4

0

11