Ryan Greiser, CFP® Profile picture
Aug 14 12 tweets 2 min read Read on X
Here's what I notice with every client worth $1,000,000+:

The richer they get, the more they obsess over things that cost $0.

It's the strangest pattern in my practice.

But it reveals what most people get wrong about wealth.

Last week, a client worth $2M told me his favorite part of Tuesday was dropping his daughter off at school.

Not the expensive car.

Not the house.

A 10-minute car ride.
Another client makes $750K/year.

She lights up when talking about her 6am long runs.

"It's the only hour that's completely mine."

Priceless feeling of control.
My highest earners don't brag about expensive dinners.

They brag about taking random Tuesdays off to surprise their spouse with lunch.

"We grabbed lunch and spent three hours just walking around downtown."

Cost: $28 for sandwiches.

Value: Immeasurable.
The pattern continues on vacation.

Wealthy clients don't talk about $500/night hotels.

They talk about unplugging completely for two weeks.

"I didn't check email once."

The luxury wasn't the location. It was the mental freedom.
Here's the thing everyone misses:

These moments aren't actually "free."

They're the most expensive purchases my clients ever made.

They just paid for them with years of building wealth.
That school drop-off?

Only possible because he's not rushing to a 7am meeting.

The solo gym time?

Only works when you control your schedule.

The surprise Tuesday lunch?

Only happens when missing work doesn't stress you out.
Wealth doesn't buy happiness.

It buys something better: Control over your time and attention.

The ability to be present without guilt. The freedom to prioritize what actually matters.
Most people think they're building wealth to buy things.

But my wealthiest clients learned the real secret:

You're building wealth to buy back your life.

To purchase moments that feel priceless because you're not paying with stress.
This changes how you should think about every dollar you invest.

You're not building wealth to buy things.

You're buying back control over your most precious resource: your time and attention.
TL;DR — The wealth paradox explained

• Wealth buys time sovereignty, not stuff
• "Free" moments require financial freedom
• Rich people value presence over possessions
• Build wealth to purchase your life back
That's it.

If you want more insights like this:

1. Follow me @ryanOpulus for more
2. RT the tweet below

Disclaimer: This is my personal opinion and experience working with high-income millennials. Not tax, financial, or legal advice. Always work with qualified professionals to understand your specific situation.

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More from @ryanOpulus

Jul 29
You feel guilty every time you buy coffee.

You track every $5 expense religiously.

But you're still not building real wealth.

Here's why the latte factor is sabotaging your income potential:

The latte factor trains your brain to think small.

When you obsess over $5 decisions, you start seeing money as scarce.

This scarcity mindset doesn't stay contained to coffee purchases.

It bleeds into every financial decision you make.
Small expense focus creates small income expectations:

• You avoid big risks
• You negotiate smaller raises
• You focus on small dollar decisions
Read 10 tweets
Jul 10
Everyone's celebrating or panicking about the One Big Beautiful Bill based on headlines.

I spent hours running my numbers through 21 tax opportunities.

Reality? Mixed bag with big surprises.

Here's what matters:

We're going to cover strategies that fall into 6 categories:

• New opportunities
• One invisible massive win people ignore
• Valuable credits expiring this year
• Strategies more valuable than before
• What still works
• The real bottom line

Let's get into it.
→ NEW OPPORTUNITIES ←

First, the brand new opportunities that didn't exist before:

• No tax on tips + overtime deduction
• Car loan interest deduction
• Trump accounts
• Charitable deduction for non-itemizers

Let me break down what applies to me (and you):
Read 30 tweets
Jun 28
Your home will be your most expensive purchase.

It'll stress you out, tie up your capital, and deliver terrible returns.

So why did I buy a home anyway?

Because the spreadsheet is missing something crucial:

Most people think their home "gained value" when they sell.

But they're not counting the real costs:

Property taxes, insurance, maintenance, renovations, transaction fees.

When you factor it all in, the returns are far worse than people realize.
But here's what I've observed about successful people:

Most of them own their homes anyway.

Not because they're bad at math.

Because they understand something the optimization crowd misses.
Read 14 tweets
Jun 18
Your "secure" $250K job can vanish tomorrow.

I've watched it happen to the smartest people I know.

But there's one rule that lets you control 10% of your income—and changes your psychology from employee to owner.

Here's what you need to know:

My client called at 9 AM. By 9:06, his $250K job was gone.

One "restructuring" decision wiped out 15 years of loyalty.

But the clients who bounced back fast? They had something different.

Income they controlled. Money that couldn't disappear with a signature.
Here's what they understood:

Never be 100% dependent on your salary.

Start with 10% from sources YOU control.

$250K salary = $25K target. That's just $2,083/month.

The easiest way to start? Productize yourself...
Read 13 tweets
Jun 17
"Budget better" is terrible advice for high earners.

The truth? Your income isn't the problem.

Your cash flow SYSTEM is.

I discovered this after years of six-figure earnings but end-of-month stress.

My simple 4-layer system now builds wealth automatically.

Here's how:

Most people with good incomes struggle with these exact issues:

• More money, still feeling broke
• Accounts scattered everywhere
• No essentials vs. fun boundaries
• Wealth-building always "next month"

Sound familiar?
I lived this reality for years.

Money sat idle in checking accounts earning nothing.

I had no clear plan for saving or enjoying my cash.

Every spending decision caused mental friction.

Despite good income, I wasn't building real wealth.
Read 17 tweets
Jun 12
The biggest difference between the wealthy and everyone else isn't just income—it's when they plan for taxes.

Most wait until next year. The wealthy start now.

These 13 strategies need to be implemented starting today to save thousands:

These 13 strategies fall into 4 main categories:

• Tax-advantaged accounts (1-4)
• Home improvements (5-7)
• Investment tactics (8-10)
• Advanced planning (11-13)

Each can save you thousands—but timing matters.

Let's dive in:
1 – Max Out 401(k) Contributions

Most millennials leave thousands in tax deductions on the table here. Why give that to the IRS?

• Max contribution: $23,500 in 2025
• Deadline: December 31st Image
Read 29 tweets

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