You work an entire year and pay…

- 24% federal tax
- 5% state tax
- 29% total tax

29% of the year = 106 days.

If you're tired of working for free for a third of your life, read this: They'll tax you on what you earn.

They'll tax you on what you buy.

They'll tax you on what you own.

They'll tax you to death if you let them.

But there are 6 (legal) strategies that can help 👇🏼

The median US home costs $411k.

But interest costs $399k extra.

Here's how smart families (legally) skip the interest to buy homes in half the time: You don't need to refinance.
You don't need to side hustle.
You don't need a windfall.

Just make an extra "principal only payment" once per month.

Here's the blueprint:

ETFs made my wife and I millionaires in 7 years.

But there's 8,754 to choose from.

Here are 10 ETFs that can make you a millionaire in 2026: 1. Total US Stock Market: $VTI

Top 10 Holdings:
- NVIDIA
- Microsoft
- Apple
- Amazon
- Meta Platforms Class A
- Broadcom
- Alphabet Class A
- Alphabet Class C
- Berkshire Hathaway Class B
- Tesla

10 year annual return: 14%
Best year: 33.45%
Worst year: -36.9%

Medical Bankruptcies By Country:

Norway - 0/yr
UK - 0/yr
France - 0/yr
Spain - 0/yr
Portugal - 0/yr
Denmark - 0/yr
Australia - 0/yr
Iceland - 0/yr
Italy - 0/yr
America: 643,000/yr

Don't want to go broke?

Ask these 5 questions to (legally) cut your medical bills: 1: "Can I get an itemized receipt?"

If you want to "magically" cut your medical spending...

This is how you do it.

I've seen some of our bills drop by $10k+ with this question.

And there's a dirty reason why...

Don't buy your kids an iPad.

Don't buy your kids Legos.

Get them a Christmas gift that lasts longer than 2 months on the floor.

Here's exactly how you can "gift" stocks to your kids for Christmas: Start with a rule of thumb:

For every $1 you spend on toys...

Spend $1 on ETFs for their portfolio.

(You can do this with financially irresponsible adults too 🤣)

Here's the blueprint 👉🏻

If you die without a plan...

- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps

If you love your family, here's every document you need to protect them:

(from a CPA & father of two) 1) Emergency Access List

This should include:

-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code

🚨 BREAKING 🚨

Nvidia is paying to buy its own chips.

$7 TRILLION in “fake demand” could trigger US recession.

Here's how to protect your family: For context...

Nvidia builds the chips that power AI.

ChatGPT, Claude, & Grok can't run without them...

And they're worth $4.5 TRILLION.

(bigger than the entire pharma industry)

The only problem?

They're creating their own demand.

If you don't understand taxes...

You'll work twice as hard for half the wealth.

Here's every loophole I use as a CPA to (legally) cut my taxes: In 2020, I worked for Deloitte.

I made $96k a year...

But I was paying 27% in taxes 😬

I had two options:

1. Keep grinding the corporate ladder until I made $1M / year

2. Start (and succeed) with a business.

Accountant Explains:

How to make $1,000,000 in 10 years...

(without earning a dime more) Ready?

Invest $5.2k/mo in an ETF like $VTI.

Boom. That's literally it.

The only problem?

You probably don't have that money lying around.

That's why...

1 week before my daughter was born, I quit my $96k/yr job at Deloitte.

Why?

They didn't want me telling the truth about finance on Instagram.

Here are 30 "industry secrets" no one talks about: 1. That 1% fee from wealth advisors steals 20% of your portfolio (lifetime)

2. Credit card companies made $170B past year in fees alone

3. You're statistically more likely to climb mount Everest than turn a profit day trading

This is Howard Marks.

He predicted:
The Dot-Com bubble in 2000
The Great Recession in 2008
The COVID crash in 2020

Here's his warning for families in 2025: For context:

Howard Marks is the billionaire co-founder of Oaktree Capital.

When he speaks, Wall Street listens.

And right now...

He's sounding the alarm on 3 major recession signals 👉🏼

My daughters will be millionaires by 30.

But money doesn't matter if they don't understand it.

16 lessons I'm teaching them before they get a dime: 1. Money is a tool, not a goal.

Everyone wants to get rich...

But it doesn't matter if you don't know WHY.

Whether it's family, freedom, or charity...

Money should serve your values...

Not determine them.

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.