This is Andy Byron.

He just lost a $500k job as CEO at Astronomer for cheating on his wife...

But that's just the beginning.

Here's how much an affair actually costs: Everyone's talking about the money:

-> $25M in potential divorce
-> $500k+ annual salary gone
-> $12M estimated company stake at risk

But affairs like this are far more damaging...

Why?

This is Taylor.

In 6 months, she:
-> Found $35k of "free money"
-> Grew her net worth by $150k
-> Fired her financial advisor for good

Here's how she did it in 1 hour per week: Taylor had it all on paper:

A $175k household income...

Rock solid marketing career at Nestle...

And two beautiful boys.

But financial stress was STILL keeping her up at night 😬

"We make good money. Where does it all go?"

🚨 BREAKING 🚨

Bitcoin hits an all time high of $119k.

It'll have the biggest return of any investment in the next 10 years.

Here's why you (probably) shouldn't buy it: Unless you've been living under a rock...

You've probably heard of Bitcoin.

Some people say it's the future...
Some people say it's a scam...

And they're both (kind of) right.

Here's what your financial advisor won't tell you:

Hot take:

Your taxable brokerage might be more powerful than your Roth IRA.

No income limits. No penalties. Full flexibility.

Let’s break down the most underutilized wealth-building account 🧵 A taxable brokerage account = a regular investment account for stocks, ETFs, etc., funded with after-tax money.

Unlike a 401k/IRA, it offers no immediate tax breaks, but it makes up for that with flexibility.

Here are five benefits:

The US is going full speed towards a debt crisis.

Interest rates are high, the dollar is weakening, and bond yields are skyrocketing.

This is going to be disastrous for families.

Let me explain... Here's what's happening:

The government owes $36 trillion...

And needs to refinance $9 trillion this year.

Problem is...

Investors are demanding 5%+ interest to buy it.

(DOUBLE what we used to pay 😬)

If you make over $100k a year but have less than $175k to your name, read this: Here's the problem:

Most people making 6-figures think they can "out earn" their problems.

But for most people...

A high income is just more rope to hang yourself with.

If that's you, pay attention & USE this 👇🏼

It costs $300 per month for your kid to be a trust fund baby if you start early.

Here's the hack all smart families use: Every kid needs 3 accounts:

-> 529 Plan (College Fund)
-> Custodial Roth IRA (Tax-Free Growth)
-> Brokerage Account (Early Access Money)

Once those are set up...

It costs $300/mo to turn your kid into a trust fund baby if you start early.

Here's the hack all smart families use: Step 1: Start Early

The day they're born, open:

- > 529 Plan (college)
- > Parent Taxable Brokerage (emergencies)
- > Custodial Roth IRA (retirement)

These accounts will give them unlimited options...

I’m 32.

I paid for my home in cash.

I’ve hit a $1,000,000+ net worth.

We have two beautiful daughters.

Here are the 15 biggest lessons I’ve learned along the way: 1 - Find one woman and build together. Life is 10x easier when two people are working towards a shared goal.

2 - Having kids is not an excuse to let yourself go. Be fit, budget more, and make more money.

3 - You can live an amazing life while budgeting and building.

It costs $300 per month for your kid to be a trust fund baby if you start early.

Here's the hack all smart families use: Step 1: Account Structure

Every kid needs 3 accounts...

-> Parent Taxable Brokerage
(access money before 65)

-> Custodial Roth IRA
(tax free growth)

-> 529 Plan
(college planning)

These three accounts gives your kids unlimited options.

Lebron James has to budget.

Barack Obama has to budget.

Wall Street Analysts have to budget.

Here's the easiest way to build a budget for yourself (that works) if you make over $100,000 a year: Here's the deal...

Most people start making 6-figures and think they're on top of the world.

In reality...

That's the time when you should double down on budgeting the most.

So if this sounds like you... please pay attention and USE this.

I have a 401k

I have a Roth IRA.

I have private equity investments.

None of these investments come close to the being the best investment I ever made: Hear me out…

I’ve invested $1,000-$5,000 a month since the day I was able to.

But,

I wasn’t rich when I started doing it.

Between me and my wife we made ~$90,000 a year.

I became a millionaire by 30 by investing in index funds/ETFs.

But there are 8,754 to choose from.

Here are 10 ETFS that can make you a millionaire:

*doesn't include 2024 YTD performance* 1. Total US Stock Market: $VTI Top 10 holdings:

- Microsoft
- Apple
- Nvidia
- Amazon
- Google Class A
- Meta
- Google Class C
- Berkshire Hathaway
- Eli Lilly & Co.
- Broadcom

10 year annual return: 11.77%🟢

Best year: 30.67%🟢

Worst year: -19.51%🔴

You’re taxed on your income.

You’re taxed on your purchases.

You’re taxed on your property.

You’re taxed on your investments.

Taxes are the biggest expense you’ll have in your life so here’s how to avoid them legally: As someone who worked in corporate America…

It’s insane how unused the tax code is.

There are insane advantages for just about everyone.

There are even more insane advantages for business owners though 👀

You can legally gift your kid's their college fund while saving money on taxes for their first 18 years of life...

Smart parents, listen up: Typically...

You pay taxes on your income.

You pay taxes on your gains.

You pay taxes when you spend.

The key to saving money on taxes is reducing the amount of taxable events in this process.

News broke yesterday of Biden wanting a 44.6% tax on capital gains and there's a lot of misinformation.

Here's the truth behind it... To start...

It isn't quite 44.6%.

That's the highest marginal tax rate.

The more appropriate description is a 37% capital gains tax for high income earners with over $1,000,000 annually.

Still, that's a lot.

California just changed it's minimum wage for fast food employees and the price of food went up almost immediately... Here's the deal...

Most people think minimum wage should go up and that "solves" their problem.

In reality...

The problem becomes a can that we keep on kicking down the road.

We as consumers ALWAYS pay the price.

I'm 32.

I own $2,600,000 in assets.

Last month they made me $81,495.

Here's exactly how I invest my money without paying a financial advisor... I made $37,804 from $VTSAX

This is a total US stock market index fund that invests a small piece into every stock for diversity.

This went up 2.71% last month.

Them:

"I'll just make more money"

Also Them:

$35 Postmates
$700 Car Payment
$3,200 Rent Payment
$1,200 Food & Entertainment

The only way to truly get ahead in this economy is this simple formula... It's called the "SMK Formula"

Save money, Make money, Keep money.

No longer do we live in an era where focusing on one area alone is enough.

This is the exact blueprint I use to help my clients become everyday millionaires:

Making $150,000 is now considered lower middle class in parts of this country and it's only going to get worse... At $150,000 a year…

-> $48,000 goes to taxes
-> $30,000 goes to rent
-> $9,000 goes to car
-> $6,000 goes to food

Before factoring in insurance, entertainment, child care, and all the other fun expenses…

You’re left with 38% of your income.

Age 23: Got married

Age 24: Bought our first home

Age 29: Had our first kid

Age 30: Became liquid millionaires

Here's how we accomplished the "American Dream" without an inheritance, fraud, or any outside help: I'd be lying if I said it was easy.

I'd also be lying if I said it wasn't 100% worth all the hard work.

Hitting our first $1,000,000 didn't come down to "save money and invest it all"

It came down to careful planning...

And teamwork.