Morgen Rochard, CFA @MorgenRochard Twitter profile

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Morgen Rochard, CFA

4 years

If you can’t afford to buy my book, you need to buy my book!

Personal Finance QuickStart Guide: The Simplified Beginner’s Guide to Eliminating Financial Stress,...

Personal Finance QuickStart Guide: The Simplified Beginner’s Guide to Eliminating Financial Stress, Building Wealth, and Achieving Financial Freedom (Personal Finance - QuickStart Guides)

www.amazon.com

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Morgen Rochard, CFA

@MorgenRochard

4 years

Bitcoin should be part of your financial planning process.

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Morgen Rochard, CFA

@MorgenRochard

2 years

All you have to do it buy and hold #Bitcoin folks. It’s really that simple.

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@MorgenRochard

3 years

Long term savings is only possible with bitcoin.

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Morgen Rochard, CFA

@MorgenRochard

4 years

If you haven’t bought a little bitcoin, are you even saving?

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Morgen Rochard, CFA

@MorgenRochard

2 years

Your home is not a store of value. It comes with recurring maintenance costs and property taxes. A store of value doesn’t need a kitchen and bathroom remodel every 10-15 years.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Financial advisors have a fiduciary obligation to recommend #bitcoin not crypto.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your washing machine is not an investment. Your home is not an investment.

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@MorgenRochard

3 years

Drinking less alcohol is a great way to save money.

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Morgen Rochard, CFA

@MorgenRochard

2 years

If you can learn how to send a wire transfer, you can learn to send #Bitcoin

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Morgen Rochard, CFA

@MorgenRochard

2 years

NFTs will go out of style, like every other alt fad over the last decade.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Holding #bitcoin gives you preferential tax treatment. No cash flow, no taxes. You choose when you pay capital gains.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Average inflation has been 2.7% over the last 100 years. If you put $100 in your mattress in 1920, it would only be worth $6.66 today.

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Morgen Rochard, CFA

@MorgenRochard

4 years

You need to earn at least $390k per year to own and maintain a $1,000,000 home.

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Morgen Rochard, CFA

@MorgenRochard

2 years

If you got a 5% raise and inflation is at 10%, you got a pay cut.

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Morgen Rochard, CFA

@MorgenRochard

3 years

You don’t need a bigger house. You need a cleaner house.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Miners don’t secure the network. Nodes do.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Friendly reminder that dollars will be worth less in the future. Act accordingly.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Insurance is a scam, most of the time.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your home is a depreciating asset.

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Morgen Rochard, CFA

@MorgenRochard

4 years

A $50,000 boat costs $9,300 per year to maintain.

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Morgen Rochard, CFA

@MorgenRochard

2 years

The higher fiat inflation is, the more #bitcoin you need to save.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Leasing a luxury vehicle does not mean you’re rich.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Your fiduciary duty as a financial advisor is to avoid crypto and focus on #bitcoin

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Morgen Rochard, CFA

@MorgenRochard

3 years

There already is a wealth tax, it’s called property taxes.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Bitcoiners filling out 1040s: You do not need to check the box on the front page about cryptocurrencies if you are simply buying and storing.

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Morgen Rochard, CFA

@MorgenRochard

4 years

If you have to lease your car, you can’t afford it.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your million dollar home costs $10k-$30k per year in maintenance.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Crypto distracts from what’s important. Long term savings ( #bitcoin ) and focusing on aspects of your life that matter. Crypto is yet another way to waste time, energy, effort and talent for little reward.

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Morgen Rochard, CFA

@MorgenRochard

3 years

If you’re into other coins, you haven’t yet seen the truth about #Bitcoin

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your family wants your time, Not your money.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Bitcoin fixes financial planning.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Don't overthink your "crypto" strategy. Just buy #Bitcoin

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Morgen Rochard, CFA

@MorgenRochard

3 years

Long term savings deserves a place in your portfolio. Bitcoin is the only form of long term savings.

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Morgen Rochard, CFA

@MorgenRochard

2 years

I don’t pay money for jpegs. I right click and save.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your only fiat savings should be your emergency savings.

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Morgen Rochard, CFA

@MorgenRochard

1 year

You’re not supposed to earn yield on your #bitcoin .

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Morgen Rochard, CFA

@MorgenRochard

2 years

Multi-generational wealth doesn’t have to be hard. Buy some #bitcoin

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Morgen Rochard, CFA

@MorgenRochard

3 years

Friends don’t let friends prepay 2.75% 30 year fixed mortgages. @DaveRamsey

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Morgen Rochard, CFA

@MorgenRochard

2 years

The dollar is designed to decline in value. Plan accordingly.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Invest in something you’re willing to hold for at least 30 years.

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Morgen Rochard, CFA

@MorgenRochard

3 years

You can hodl through anything, except a margin call.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Wanna be rich? You kinda can’t skip the part where you save.

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Morgen Rochard, CFA

@MorgenRochard

2 years

The best way to keep your #bitcoin safe: 1. Manage your cash flows 2. Don’t lever up 3. Stop timing the market 4. Store cold

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Morgen Rochard, CFA

@MorgenRochard

4 years

Cash back is like getting excited about a 1% off sale.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Wealth is a formula: 1. Get income 2. Spend less than you make 3. Invest the difference 4. Repeat

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Morgen Rochard, CFA

@MorgenRochard

2 years

Any developer can build on #bitcoin because it is permissionless and open source. Central banks will never be able to offer this.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Stop checking your investment accounts. Start living your life!

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Morgen Rochard, CFA

@MorgenRochard

3 years

Blockchain doesn’t belong in your portfolio. Bitcoin does.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Large home purchase = less money for investment

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Morgen Rochard, CFA

@MorgenRochard

4 years

You can’t invest without having savings.

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Morgen Rochard, CFA

@MorgenRochard

7 months

Bitcoin has not needed tax incentives to outperform real estate investing.

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Morgen Rochard, CFA

@MorgenRochard

1 year

Bitcoin makes alternative investments obsolete.

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Morgen Rochard, CFA

@MorgenRochard

1 year

Owning #bitcoin is not a retirement plan. Planning for retirement is a retirement plan.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your home is a money pit.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your home expenses are more than principal and interest. You also have: 1. Property taxes 2. Annual maintenance of 1-3% of the home’s price 3. Homeowners insurance 4. Any HOA dues 5. Furniture 6. Utilities

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your rental property isn’t making as much money as you think it is.

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Morgen Rochard, CFA

@MorgenRochard

2 years

#Bitcoin simplifies the financial system.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your million dollar house costs you $248 a night.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Expensive cars are a hobby not an investment.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Clutter is a sign of overspending. Tackle clutter.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Do the math on your vacation home. It probably costs more than a nice stay somewhere for $400 per night.

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Morgen Rochard, CFA

@MorgenRochard

5 months

The average financial planner knows everything about finance and nothing about money.

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Morgen Rochard, CFA

@MorgenRochard

3 years

If you don’t understand bitcoin, you can’t understand “crypto”

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Morgen Rochard, CFA

@MorgenRochard

2 years

A wire transfer will always be more inconvenient than a #Bitcoin transaction.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Holding bitcoin isn’t going to the casino. Holding too many dollars is.

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Morgen Rochard, CFA

@MorgenRochard

3 years

#NewProfilePic

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Morgen Rochard, CFA

@MorgenRochard

3 years

A diamond ring materially affects your ability as a couple to start on strong financial footing.

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Morgen Rochard, CFA

@MorgenRochard

2 years

I'm writing a #bitcoin personal finance book and I need your help! Have you been investing in #bitcoin for the last 2 years with a story to share? Help me shape the content to be exactly what y'all need. DM me to schedule an interview with my team.

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Morgen Rochard, CFA

@MorgenRochard

6 months

Fiat Mindset: “guaranteed loss is low risk”

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Morgen Rochard, CFA

@MorgenRochard

4 years

The fed is printing! Raise your prices!

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Morgen Rochard, CFA

@MorgenRochard

3 years

Don’t make financial decisions while you’re grieving or celebrating.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Cutting spending is hard. Earning more is even harder. Do both.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your home is not a savings account.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Your high fixed expenses commit you to a hamster wheel of income.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Money should be boring. Life should be exciting.

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Morgen Rochard, CFA

@MorgenRochard

4 years

A pool costs $4,000 per year to maintain.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Find the one who doesn’t want a real diamond ring.

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Morgen Rochard, CFA

@MorgenRochard

1 year

I’m sorry to be the bearer of bad news: Yes, you need a fiat emergency fund.

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Morgen Rochard, CFA

@MorgenRochard

1 year

You no longer need to work with the only financial advisor in your neighborhood. You can work with one that actually understands #bitcoin

Home - BTC Financial Advisors Network

Fiduciary Advice. Bitcoin Only. Independent Fee-Only Financial Planners directory A Network to Support Financial Sovereignty Choosing a financial advisor who “gets” bitcoin can feel overwhelming....

bitcoinfinancialadvisorsnetwork.com

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Morgen Rochard, CFA

@MorgenRochard

3 years

Blocking is like paying off debt. Sometimes you should, sometimes you shouldn’t.

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Morgen Rochard, CFA

@MorgenRochard

2 years

Sending a #bitcoin transaction is one easy copy-paste. Sending a wire, especially internationally, requires much more information and action.

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Morgen Rochard, CFA

@MorgenRochard

1 year

If you over-allocate to bitcoin you will end up with less bitcoin.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Is your car starting to feel old? Get it detailed. It’s less expensive than a new car.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Your ability to retire is based on spending.

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Morgen Rochard, CFA

@MorgenRochard

2 years

You should never pay more than $100 for shoes.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Emergency fund first. Then, invest. You’ll worry so much less when you know you have basics covered.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Prime Day: Buying crap you don’t need because it’s on sale.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Bad financial planners talk more about investments than they do income and spending.

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Morgen Rochard, CFA

@MorgenRochard

4 years

Make more money and spend less. Financial freedom is not magic.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Have the strength to forgive yourself for past financial mistakes.

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Morgen Rochard, CFA

@MorgenRochard

3 years

If you��re generally unsatisfied with your life, no amount of money is going to change that.

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Morgen Rochard, CFA

@MorgenRochard

3 years

Focus on growing net worth. It’s the best metric for financial health.

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Morgen Rochard, CFA

@MorgenRochard

4 years

You didn’t learn personal finance in school. So what?! Learn now!

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Morgen Rochard, CFA

@MorgenRochard

3 years

Pokémon cards are not an investment.

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Morgen Rochard, CFA

@MorgenRochard

3 months

Bitcoin is not a compounding asset. Here’s math on why your retirement withdrawal rate must be less than 4% if you want your money to last more than 25 years: If 1 BTC is $100k, 4% withdrawal is $4k and 0.04 BTC If 1 BTC is $1M, 4% withdrawal is $40k and 0.04 BTC 1 BTC = 1 BTC

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Morgen Rochard, CFA

@MorgenRochard

4 years

Things lenders say: