Here are a few REITs (Real Estate Investment Trusts) that I own shares of:

$O - Div/Yield 4.6%
$STAG - Div/Yield 4.53%
$CUBE - Div/ Yield 3.7%
$NHI - Div/Yield 6.45%
$MAIN - Div/Yield 7.13%
$LAND - Div/Yield 2.89%

Each pay a nice dividend yield, with several paying monthly.

As a renter, I love REITs because they provide me real estate exposure that I otherwise wouldn’t have the capital to invest in 🏡

You buy shares,

get paid dividends and capital appreciation,

and someone else has to fix the roof and toilets and collect the rent.

If researching and picking out one individual REIT company scares you due to risk,

you can also invest in multiple through an ETF.

Two REIT ETFs that I own:

🔘 $VNQ (vanguard US Fund, low cost) 3.89% div/yield
🔘 $SRET (riskier, global, higher yield/cost) 8.74% div/ yield

We discuss a lot of books on here with money knowledge —

But films 🎥 are more rare.

That doesn’t mean you can’t learn anything though.

On today’s reel, Wall Street (1987).

Get in the car —

Gordon Geeko is teaching class today.

//*thread*//

This film is full of fast money and stock market pump and dumps 📈 📉

Classic insider trader moves and back restaurant deals.

But buried in there are actual real money and trading gems 💎

I’ve pulled a few out just for you (because I like you, that’s why)

👇🏻

“I look at 100 deals a day, I chose one.”

When you first start investing, every deal looks good 🤑

You want to jump on every opportunity because to you everything looks like money.

It isn’t.

Learn to sift through the junk, and find the one.

This has saved me money.

👇🏻

My current yearly allocation:

▪️401k (4% company match)
▪️Roth IRA max ($6000)
▪️HSA max ($3500)
▪️Gold 5%
▪️Bitcoin 3%
▪️Remaining goes to after-tax brokerage where I split 50/50 ETFs/Individual Companies

Savings rate: 50-60% (this gives me a lot of options)

👇🏻

A few other stats:

▪️I do not use DRIP (automatic dividend reinvestment)
▪️My 401k/ROTH are set up with about a 60/40 split US/International total stock funds
▪️ETFs — I favor the lowest expense ratio option when available
▪️Favorite ETFs: $VTI, $VOO, $VXUS, $ICLN, $VGT

Saw similar summaries from @thewealthdad and @DecadeInvestor and figured I’d share my own!

Spend as much of your money as you can on:

1️⃣ Things that pay you money
2️⃣ Things that will be worth more money in the future than what you paid for them.

I prefer the first option because it guarantees 💵 coming to you.

👇🏻

The second option is good for for diversity and potential gains.

Both are asset classes,

BUT

One gives you guaranteed income and the other makes you wait in hopes someone will be willing to pay more for it at a later date.

Some examples of each:

👇🏻

1️⃣ Things that pay you money:

✔️ Dividend paying stocks
✔️ Interest paying accounts (bonds, notes/loans, high yield accounts, etc.)
✔️ Rental properties or vehicles
✔️ Business ownership

👇🏻

Money lessons are as old as the Bible —

Written as far back as 1200 B.C. to the first century A.D.

With an estimated 5 billion copies sold.

And yet, as you’ll see, all these lessons are STILL ignored.

So what does the Good Book say about money?

👇🏻

“For the love of money is a root of all kinds of evil.”

Timothy 6:10

This one is BIG. But often misunderstood.

It’s not a danger to be good with money or to master it.

Merely, falling in love with it is the trouble.

We’ve all seen the evil rich guy. Don’t be him.

👇🏻

“Dishonest money dwindles away, but whoever gathers money little by little makes it grow.”

Proverbs 13:11

Quick to rich and quicker to broke.

Don’t chase after one big win with all your money. Instead aim for consistent gain with discipline.

👇🏻

Investment Hack 🔍 🤫

Unlock the power of an ETF (Exchange Traded Fund)

For early investors, it can be hard to figure out WHAT to buy.

You know you like a few companies, but you don’t know if together they’re a good idea.

That’s where studying ETFs come in 👇🏻

Firstly, what’s an ETF:

Like index funds, ETFs are a fund of multiple stocks. Some have 100 holdings, some less or more. But they give you good diversity matching an index or sector.

Even for experienced investors they can be a great catch-all to passively invest.

👇🏻

There are 2 main types:

Passively managed (cheaper fees) — like $DGRO

Actively managed (more expense because they are closely managed with more buying/selling activity to try to increase the fund earnings) — like $ARKK

Do you own bonds in your portfolio?

Many don’t.

They’re boring, they don’t really grow, and they pay... almost nothing.

Let’s go through a few types of bonds — AND why I currently hold hold them (*disclaimer - not investment advice for YOU)

1️⃣ WHY?

Current savings account interest rates are low. Like REALLY low (Ally just lowered to 0.60% down from 2.25% two years ago or so).

Inflation is pegged around 2%. That means your bank is actually losing money over time.

It’s like having a hole in your wallet...

👇🏻

This is where bonds and bond like funds come in, for me.

After talking with @andyisom100K and @javyandrade , I started tinkering with a portfolio of several types of these funds to park some of my savings (not all!) — to allow it to grow.

Let’s go through them to learn.

👇🏻

Are you dividend investing, or dividend chasing?

There’s a difference.

Look at:

💵 Payout ratio (is the dividend something a company can afford?)

Ideally, this is below 60%.

You want it to be a sustainable amount that still enables a company to grow profitability.

Early investors tend to chase rather than invest.

Remember, if along the way towards your goal you eat all the cheese, there will be nothing left to eat when you get there

🧀 🐀

A company should pay out to shareholders only what it doesn’t require to keep its strength.

Lastly, don’t let yourself get blinded by a beautiful dividend.

Like wrapping something worthless in a lovely bow 🎁 — the prize only matters by what’s inside.

If it’s a bad company that pays a dividend, it’s still a bad company.

Don’t get stuck losing money for it.

A day job is great for consistent capital for investment.

Why is consistent capital (new 💵 coming in) important, especially in times of volatility?

Because it allows you to capitalize on dips!

Even when you previously bought at market highs, getting new low entries is 🔑

For example, I bought 3M at the height right before the market corona virus crash — at around $155 a share.

After the crash, I bought more at $123 a share.

now sits at $165.

Because I had consistent cash flow coming in, I could ADD to my position at a better price.

Which means, even though I previously bought at a high, now that the market has returned I’ve made my money back AND made a strong profit.

It’s why the rich get rich in market crashes!

Precious Metals (Gold, Silver) have been a 🔥 topic lately with the wild US monetary policy —

Here’s a breakdown of all the ways you can invest in precious metals, as well as whether I think it’s good investment (for me).

\*thread*\ ☕️

There are generally 3️⃣ main ways to invest in precious metals:

• Physical metal (coins, stored gold, etc)
• ETFs that track the spot price of the metal (and shares are often backed by physical metal)
• Mining companies 💰 ⛏ — they dig the stuff up and sell it.

First, the physical metal —

Some people love collecting gold and silver coins or bars.

The upside is you physically own it!

Two issues I don’t like: You need to safety store it (get a good safe or pay someone) and they’re hard to move (not very liquid if you want to sell).

💰 *THREAD*

Why do I love dividend paying stocks so much (even growth stocks that pay a small dividend like or )?

Because they pay you for waiting around!

👇🏻

I’ve held Glu Mobile for about 5 years.

In that time it’s gone from about $3, to its current price of $7.70.

I’ve more than doubled my money (if I sold today)!

BUT I haven’t sold 👇🏻

Instead I’ve held it for 5️⃣ years.

In that time, it’s been as low as $2ish, and nearly as high as $12.

Up and down, and up and down again (see red circle dips).

And I’ve made $0 in that roller coaster.

👇🏻

Student Loans are a HUGE reason why so many are in debt.

If you’re thinking about going to college, use these 2 filters:

☑️ What is the average salary of your degree field? If your loan is going to be more than a years salary, don’t do it.
☑️ Can you go somewhere cheaper?

👇🏻

You hear all the time of social workers and teachers going into debt $200k for a degree field that pays an average salary of $40-50k.

That person could save 💯 of their money every year, and it would STILL take them 4-5 years to pay it back.

👇🏻

Secondly, I’m willing to bet whatever price the school you are looking at charges — you can find somewhere cheaper.

Outside of select degrees (some STEM, lawyer/doc), 90% of the time no one cares where you went.

The paper says your name on it, and is worth the same.

👇🏻

I wanted to share this recent interest play I’ve been using —

I purchase USDC (a stable coin that matches the price of the dollar) and earn 8.6% annual interest on it.

ANY investor is happy with an 8.6% return, especially one in which their original capital doesn’t fluctuate.

This is the price of USDC (crypto) over the last year —

As you can see, it matches the price of the dollar near 1:1.

It’s also issued by institutions with reserves in dollars for coins issued.

Your investment stays worth $1 per coin, while it grows 8.6% interest.

How do I pull this off?

1️⃣ Purchase USDC using @investvoyager

It takes a week or two for your money transfer to clear before you can go to the next step.

My affiliate link:

Download the app and trade $100 to get $25.

Use code I4NH5B.

go.onelink.me/4gTR/referral?…

Lots of talk the last few days of Bitcoin volatility —

This scares many away.

It USED to scare me away.

Here’s why it shouldn’t 👇🏻👇🏻

Unlike most assets, Bitcoin trades 24/7 and its price swings can be WILD.

Last night, it dropped from $12000 to $10800 at 12am randomly.

While these dips (see red circles) can be scary, these represent potential buying opportunities.

👇🏻👇🏻👇🏻

For traders, these also represent good trading opportunities (sell at highs, buy at lows).

Unlike with stocks, these highs and lows often come quicker and more often.

I personally hold bitcoin (and earn interest) but I know several who trade it frequently for profit.

Technical analysis is important. So is reading financials.

But you also need good reasons to justify your holdings outside of the quantitative numbers.

For example, I like what I see from a numbers perspective about Starbucks (currently own 41 shares)

+

Good reasons:

Starbucks has 3⃣ things I really like:

#1: Addiction based and popular (Caffeine!). This quality means people will buy it over other products and competitors (addiction).

How many people do you know who can't afford Starbucks but still get it daily?

(NEXT 👇)

#2: They have a drive thru model + continue to improve on this. This one quality helps to make them pandemic lockdown proof.

There were moments during the lockdown when I STILL saw a line at a Starbucks drive thru. This is 🔑. It means your investment can't be shuttered.

👇

Too many get stuck on the phrase ‘invest for your retirement’.

You are investing to build your wealth — for next year, 5 years from now, 50 years from now.

Stop saving for some far away time, and start making moves today to make tomorrow better.

For example, let’s say you max out your 401k/Roth IRA your entire working life, and live a nice boring existence until retirement.

You retire, and start drawing your 4%.

Then the market tanks hard, and now you’re back at work.

After 30-40 years of honest, regular investment.

Now imagine, on top of that, the tax rules have changed 30 years from now when you’re about to retire.

Your nest egg will be taxed at a much higher rate than you expected.

You won’t have enough.

So you’re back at work.

After 30-40 years of honest, regular investment.

I'm glad you're on this hip journey with me to build wealth —

I wanted to remind everyone why I'm here AND provide a few free resources to help guide YOU

I want to help educate as many as I can about personal finance, specifically:

✅Budgeting
✅Investing
✅Mindset

👇

Budgeting is the base for everyone that builds real wealth.

Without spending control, no matter how much you earn, you will always find a way to spend it (see countless celebrities/sports players who were making millions and then promptly went broke).

👇

Investing is what you need to do with your extra capital (from budgeting!) to help ensure that wealth grows. If you only save, you won't build WEALTH

I share tips on budgeting in my course, and on my feed daily

I also dive into investing education to help your knowledge

👇

401k/Roth plans are a great way to force yourself to save/invest.

But once you build the discipline to do so, why not extend that mindset into your taxable accounts available now?

You trust yourself not to spend all your money. Utilize that trust to capitalize your wealth.

I 💯 utilize tax advantaged accounts, and they have their uses. But I no longer go ‘ALL IN’.

I want to utilize capital now to build real wealth, and continue growing that wealth all through life and into ‘retirement age’.

You will not be living “at your prime” in your golden years,

Cue photo of all those traveling retirees sleeping through the best shows, the best gondola rides, the best wildlife tours.

So why sock away all your money until then?

The biggest reason people don't start investing is they don't understand it!

Principles that seem basic to the professional, seem foreign to the amateur.

I'm on track to earn $1,000 in dividends payments from stocks. That's my money making money without me doing a thing! 👇

I have nearly $40,000 in my taxable account — money in ETFs, precious metals, growth stocks, and dividend paying stocks.

This money has grown FAR beyond what my bank savings accounts have.

None of this would have happened if I didn't understand market terms + concepts 👇

There are a ton of books out there you could read. Lots of online resources and articles. Classes at your local college.

But many of these are too boring or complex for the average person to spend time listening to.

So whats the way to get past the barrier to entry? 👇

How much should your emergency fund be?

It’s helpful to remember it’s an emergency fund.

It’s not a luxury fund.

Add up your BARE expenses (housing, utilities, food, etc.) per month.

This fund is to live on like you have NO income, not continue living like you have one.

Your bare expenses should be (unless you live a monk like existence) much less than your current expenses per month.

Essentially no entertainment or ‘fun’ spending at all.

Take that number, and multiply by the amount of months you’d want (3-6 months is average).

Cancel ALL extra spending for your EF funding (including food out, subscriptions, etc.).

You can be VERY honest since this number is hypothetical.

Finding this number can actually be really helpful for you in seeing ways to increase your current savings rate.

Curious about investing in crypto?

It’s easy!

What I do:

— I purchase Bitcoin and USDC through @investvoyager (see link inside thread to earn $25 in )
—I then transfer my crypto to @TheRealBlockFi where it earns 6-8.6% interest (see link to earn $10 in )

👇🏻👇🏻👇🏻

The coolest part about crypto is it trades 24/7.

So while the stock market is closed, you have something to do.

I only invest a speculative portion of my portfolio in crypto. And I only buy and hold.

Here’s my referral links if you’re interested in getting started ⬇️⬇️

Voyager link (to purchase your crypto):

Download the app and trade $100 to get $25 of free Bitcoin.

Use code I4NH5B or this link to claim your BTC:

go.onelink.me/4gTR/referral?…