Cody Garrett, CFP®️ @MeasureTwiceMNY
Financial Educator at Measure Twice® - I teach DIY investors how to create their own financial plans + learn more in 5 hours than most people learn in years! linktr.ee/measuretwice Learn More Here👇🏼 Joined August 2020-
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Are you living smaller than necessary? "Do I want a small life today and for the rest of my life, or do I want a big life today, to take a chance and have a small life later when I'm older?" Here's an impactful clip with Jamie (62) from the full conversation I'll share soon.
I just recorded a financial planning meeting with a new client (Jamie - Age 62), and you'll get to meet her! We discussed the following areas: • Growing up poor but retiring with a $2 million net worth • The challenge of spending money after 50 years of frugality (building a…
If you search for an Advice-Only financial planner on XY Planning Network's "Find an Advisor" tool, there will be 53 results! But unfortunately, 15 of them aren't actually Advice-Only, collectively managing $200 million. Advice-Only means financial planning without the…
“Taxes are gonna go up so go Roth” Not the worst idea, but just because tax rates go up does not mean YOUR tax rate in retirement will be higher than the rate you are at today People do not seem to understand this There are different times in life to do each
1. $806/mo. for husband/wife 2. An out-of-pocket maximum
1. $806/mo. for husband/wife 2. An out-of-pocket maximum
I have three financial planning meetings coming up next week. And you'll be able to watch them this summer on YouTube! Subscribe here to receive notifications as the videos are released: youtube.com/@MeasureTwiceM…
Financial Planning Highlight: Earlier this year, a family I served with comprehensive financial planning assumed one spouse either wouldn't be approved for term life insurance or that it would cost a fortune due to a prior cancer diagnosis. However, rather than making an…
Financial Planners/Advisors: What's a financial product or service you DON'T sell but you know a lot about? For example, are you knowledgeable about permanent life insurance even though you don't sell it?
Great thread about health coverage in early retirement (pre-65)! 👇🏼👇🏼
Great thread about health coverage in early retirement (pre-65)! 👇🏼👇🏼
The best employee benefits I’ve seen: 1. 100% adoption reimbursement 2. Maximum 401(k) employer contribution
The best employee benefits I’ve seen: 1. 100% adoption reimbursement 2. Maximum 401(k) employer contribution
You won't gain confidence in your finances until you gain clarity! Here is a data gathering checklist with information you can review to understand your current financial situation and unique opportunities. If you want to learn how to review them yourself, click my bio link.
Here’s a great way to decide between two options when you feel stuck: Flip a coin! Not to decide based on which side it lands on. But you'll suddenly realize mid-flight which side you want it to land on.
How to Review a 2023 Federal Tax Return #PFshare via @MeasureTwiceMNY youtu.be/iATDGAJpCjs?si…
Please don't tell this lie: “Your rent payment is the most you'll pay. Your mortgage payment is the least you'll pay.” Or at least add “this year” to the end. Equating variable rent to fixed mortgage payments is a mistake. Same with assuming tenants don't pay property tax.
What would the 8-year-old version of yourself think about your current relationship with money? Mine would be bummed I sold my POG collection and don’t own a drum set but would be impressed I live in a house (not an apartment) and buy real books.
Are you an aspiring or new financial planner who wants to explore REAL client case studies with other advisors? • Watch client meetings • Review and summarize financial documents • Discover planning opportunities and impactful follow-up questions • Learn from other niche…
How to Review a 2023 Federal Tax Return #PFshare via @MeasureTwiceMNY youtu.be/iATDGAJpCjs?si…
You'll save a lot of fees by NOT hiring a financial planner! But to assume you'll see your own blind spots and rationally implement well-informed decisions without personalized guidance may cost you much more. FYI: Some planners don't charge based on how much money you have 🤯
Do you and your spouse earn different levels of income? Review your Social Security earnings histories and have deeper conversations about individual and combined objectives. How might Spouse 2 interpret their lower earnings and how they "contribute?" Does Spouse 1 know?
Thomas Kopelman 💵 @TKopelman
26K Followers 627 Following Co-Founder @AllStwealth. Helping High Income Millennial Entrepreneurs build wealth. 2022 & 2023 Top 100 Advisor by @Investopedia. Tweets ≠ advice.MichaelKitces @MichaelKitces
86K Followers 483 Following One nerd’s perspective on the financial planning world… CFP, #LifelongLearner, Entrepreneur-In-Denial, Advisor #FinTech, & publisher of the Nerd’s Eye View blogJeff "The Buckinghamm.. @CPAPlanner
27K Followers 628 Following "Lead Fin Plan Nerd", https://t.co/mQhLEvNLAj | Chief Planning Officer, Buckingham Wealth Partners | Relentless learner/educator | Dad x 3 + husband | Opinions are my ownRick Ferri, CFA @Rick_Ferri
27K Followers 615 Following Author of several index fund, ETF, and asset allocation books; "Bogleheads on Investing” podcast host; by-the-hour advice; retired Marine fighter pilot.Carl Richards @behaviorgap
54K Followers 712 Following Pay attention to money and your relationship with it will change.Brendan Frazier @jbrendanfrazier
6K Followers 1K Following Chief Behavioral Officer at @RFGAdvisory | Host of The Human Side of Money Podcast | Building a community of advisors mastering the human side of adviceTravis Gatzemeier, CF.. @T_Gatzemeier
6K Followers 789 Following Outdoorsman | Biz owner | Building a world-class financial and investment planning firm for entrepreneurs and stock-compensated professionalsJrod Money 🇺🇸 @MoneyJrod
52K Followers 459 Following I talk about investing, personal finance and all the things I wish I knew when I was 20. Helping busy professionals get invested and start building wealthJon Luskin, CFP® @JonLuskin
5K Followers 443 Following Hourly Advice for Do-It-Yourself Investors. '@Bogleheads® Live' host. Advice-Only #CFP®. #fiduciary. Tweets ≠ Advice. https://t.co/GJqMxem3CrChristine Benz @christine_benz
32K Followers 1K Following Director of personal finance and retirement planning for Morningstar + co-host of The Long View podcast. Serving up practical financial guidance for the people.Max Pashman CFP® �.. @maxpashman
4K Followers 377 Following Buiding blueprints to financial independence for high earning tech employees and business owners. DM for questions! Posts are not advice.Chad | Money Matters @Chadmoneymatter
31K Followers 525 Following I'm building a Million Dollar Net-Worth on a modest salary of $55k I share my strategies to help lower income families thrive!Jess Bost, CFP® @lady__bost
8K Followers 4K Following 🗣 = BOSS+T // VP Strategic Partnerships @AlphaArchitect // CrossFit L2 Coach & Olympic Weightlifter 🏋🏻♀️Rachael Camp, CFP® @camp_wealth
23K Followers 272 Following Building a "work optional" life and sharing everything I know. | Owner of Camp Wealth | Co-host of the Becoming Work Optional Podcast | Tweets are not advice.Jeremy Walter @jeremywalter
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8K Followers 355 Following Exceptional resources for investors and advisors. The most powerful and easy-to-use retirement simulator on the web.Mitchell Baldridge @baldridgecpa
88K Followers 1K Following I help Business Owners and Real Estate Investors save tax and keep more of their hard earned money. Building Baldridge Financial @recostseg and @betterbkgColton Etherton, CFP�.. @thetattooadvisr
2K Followers 1K Following Unique Websites for Financial Advisors + Advisor Success at @get_elements tweets≠adviceLauren | Adulting Is .. @AdultingIsEasy
36K Followers 527 Following Own & manage short-term and long-term rentals on Florida's West Coast Co-founder @HouseMoneyMedia "Retired" the 9-5 at 33Mark McGrath @MarkMcGrathCFP
17K Followers 2K Following I help Canadian physicians treat financial uncertainty. CFP®, CIM®, CLU®. DM's are always open. Meet a PWL advisor ⬇️KB Financial Planning @kaylynbugay
175 Followers 456 Following Helping you make smart financial decisions along every step of your financial journey, no matter your starting line or end goal. ChFC®, EA #personalfinanceBenedict nkwachukwu M.. @BIG_BEN1510
71 Followers 1K Following Libra ♎ ✝️🇺🇲⚡ Snap: big_ben1510 Tiktok:big_ben1510_koebe @k4wilson23
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47 Followers 458 FollowingCorienne @Corienne07
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27 Followers 2K FollowingIlir Shkurti, CFA @ilirshkurti
526 Followers 223 Following Occasional hot takes on personal finance, MMA, social issues, etc. I invest other people’s money.MK @Mansoor_k1
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1 Followers 5 FollowingTyler Hasty @thasty_13
137 Followers 376 FollowingKeith @SailSpirit
0 Followers 204 FollowingMichael Issam Fares @Michael_I_Fares
84 Followers 501 FollowingAprilPatience @jIQfTsbaj90Cby9
3 Followers 135 FollowingMana Angilau, CFP® @ManaA_Planner
1 Followers 14 FollowingFinith Jernigan @JerniganFinith
43 Followers 153 Following Drug Inventor & Technologist | I progress drug discovery against “the impossible”Thomas Kopelman 💵 @TKopelman
26K Followers 627 Following Co-Founder @AllStwealth. Helping High Income Millennial Entrepreneurs build wealth. 2022 & 2023 Top 100 Advisor by @Investopedia. Tweets ≠ advice.MichaelKitces @MichaelKitces
86K Followers 483 Following One nerd’s perspective on the financial planning world… CFP, #LifelongLearner, Entrepreneur-In-Denial, Advisor #FinTech, & publisher of the Nerd’s Eye View blogJeff "The Buckinghamm.. @CPAPlanner
27K Followers 628 Following "Lead Fin Plan Nerd", https://t.co/mQhLEvNLAj | Chief Planning Officer, Buckingham Wealth Partners | Relentless learner/educator | Dad x 3 + husband | Opinions are my ownRick Ferri, CFA @Rick_Ferri
27K Followers 615 Following Author of several index fund, ETF, and asset allocation books; "Bogleheads on Investing” podcast host; by-the-hour advice; retired Marine fighter pilot.Carl Richards @behaviorgap
54K Followers 712 Following Pay attention to money and your relationship with it will change.Brendan Frazier @jbrendanfrazier
6K Followers 1K Following Chief Behavioral Officer at @RFGAdvisory | Host of The Human Side of Money Podcast | Building a community of advisors mastering the human side of adviceTravis Gatzemeier, CF.. @T_Gatzemeier
6K Followers 789 Following Outdoorsman | Biz owner | Building a world-class financial and investment planning firm for entrepreneurs and stock-compensated professionalsJrod Money 🇺🇸 @MoneyJrod
52K Followers 459 Following I talk about investing, personal finance and all the things I wish I knew when I was 20. Helping busy professionals get invested and start building wealthJon Luskin, CFP® @JonLuskin
5K Followers 443 Following Hourly Advice for Do-It-Yourself Investors. '@Bogleheads® Live' host. Advice-Only #CFP®. #fiduciary. Tweets ≠ Advice. https://t.co/GJqMxem3CrChristine Benz @christine_benz
32K Followers 1K Following Director of personal finance and retirement planning for Morningstar + co-host of The Long View podcast. Serving up practical financial guidance for the people.Max Pashman CFP® �.. @maxpashman
4K Followers 377 Following Buiding blueprints to financial independence for high earning tech employees and business owners. DM for questions! Posts are not advice.Chad | Money Matters @Chadmoneymatter
31K Followers 525 Following I'm building a Million Dollar Net-Worth on a modest salary of $55k I share my strategies to help lower income families thrive!Jess Bost, CFP® @lady__bost
8K Followers 4K Following 🗣 = BOSS+T // VP Strategic Partnerships @AlphaArchitect // CrossFit L2 Coach & Olympic Weightlifter 🏋🏻♀️Rachael Camp, CFP® @camp_wealth
23K Followers 272 Following Building a "work optional" life and sharing everything I know. | Owner of Camp Wealth | Co-host of the Becoming Work Optional Podcast | Tweets are not advice.Jeremy Walter @jeremywalter
5K Followers 367 Following Family guy and financial advisor exploring the intersection of money and values. Curious about Enough. Most tweets are self reminders. Simul justus et peccator.HonestMath.com @honest_math
8K Followers 355 Following Exceptional resources for investors and advisors. The most powerful and easy-to-use retirement simulator on the web.Mitchell Baldridge @baldridgecpa
88K Followers 1K Following I help Business Owners and Real Estate Investors save tax and keep more of their hard earned money. Building Baldridge Financial @recostseg and @betterbkgColton Etherton, CFP�.. @thetattooadvisr
2K Followers 1K Following Unique Websites for Financial Advisors + Advisor Success at @get_elements tweets≠adviceLauren | Adulting Is .. @AdultingIsEasy
36K Followers 527 Following Own & manage short-term and long-term rentals on Florida's West Coast Co-founder @HouseMoneyMedia "Retired" the 9-5 at 33Mark McGrath @MarkMcGrathCFP
17K Followers 2K Following I help Canadian physicians treat financial uncertainty. CFP®, CIM®, CLU®. DM's are always open. Meet a PWL advisor ⬇️KB Financial Planning @kaylynbugay
175 Followers 456 Following Helping you make smart financial decisions along every step of your financial journey, no matter your starting line or end goal. ChFC®, EA #personalfinanceBenjamin Mathew @bmathecon
69 Followers 53 Following Economist. Writing about economics and personal finance. Building a financial planner that implements the lifecycle model of economics.Adam Broussard - MD t.. @adambroussardmd
700 Followers 2K Following Husband, Father, SMB and Real Estate Investor, Pediatric Anesthesiologist Follow my journey in entrepreneurship, medicine, and real estateThe Donald, Spokane @morgancap
3K Followers 5K Following A full-time financial professional, serial entrepreneur, and lifelong amateur economist and political scientist.Boomer and Echo @BoomerandEcho
15K Followers 1K Following Advice-only financial planner. QAFP™ professional. Personal finance blogger. Financial planning for regular people. @robbengen #yqlLotay @Lotay
51K Followers 249 Following Grateful, Jesus Saves, 2 Corinthians 12:10, Philippians 4:13, Follow JesusJake Oliver @Jake___Oliver
125 Followers 100 Following I am a Financial Adviser, Real Estate Broker, husband, and father. I love to help people on their financial journey. How can I help? Tweets are not advice.Diana Cabrices @dianacabrices
2K Followers 1K Following fractional chief evangelist • growth educator to FAs • keynote speaker • proudly reppin @wealthtender @_white_glove @theadvisorgc • host @finadvisortv techdemosAndy Krafft, CPA, CFP.. @AndyKrafftCFP
275 Followers 285 Following Helping entrepreneurs pay less taxes, build wealth, and achieve financial independence. Tweets ≠ Advice.Mike Piper @michaelrpiper
7K Followers 258 Following I write about retirement planning. CPA. Also created this: https://t.co/9TrNsSZ1vwJason Shoaf @jpapi7
208 Followers 1K Following ∞/21M | Recipient of the very first Christmas gift | Wrestling fan | Unapologetically masculine ☀️ 🥩 🏋️♀️ #RollHumps #GoPackDr. Benjamin Hardy @DrBenjaminHardy
24K Followers 2K Following Organizational psychologist & author. Husband and father of 7. Future Self, Who Not How, Gap and Gain, 10x is Easier than 2x.Tim Rostan. @mrtgr
5K Followers 9K Following Chicagoan, ex–S.F., Prague. No. 6 on @MarketWatch seniority list, but views mine, or attributed. Alumnus @SaintPatrickHS, @marquetteu, @loyolachicago. 🚲🚆🚶♂️Peggy James, CPA @peggsterponders
60 Followers 50 Following Love walking, numbers, music, making people laugh, the power of the written word, and Winnie the Pooh. Fiercely loyal to family, friends, and my beloved Wahoos.Lenny Hirst, CFP®, J.. @ltah2
371 Followers 918 Following Founder, Wealth Manager and Attorney Focusing on Financial Planning, Estate Planning, and Asset Protection #YourFiduciaryRachel McDonough @RachelMcDonough
145 Followers 433 Following Certified Financial Planner CFP | Christian Investor | Certified Kingdom Advisor | AuthorAdam Marx #🟦 @adammarx13
4K Followers 2K Following 🎙️ Founder & Keynote Speaker @Zero2OneNetwork 🚀 | I Help You Build Massive Networks 📈 | Consultant, Advisor, & Coach 😎 | Published @crunchbase + more✍️AJ 🫡 @Buffa_Cuse
770 Followers 706 Following #Billsmafia | Investing📈 | Golfing 🏌️♂️ | Skiing ⛷️ | Kirk Cousins Enjoyer | NY ✈️ UtahGretchen Housel @gretchen_housel
581 Followers 80 FollowingJose Ordoñez Jr. @JOrdonezJr
401 Followers 105 Following VP - Financial Education at Alpha Architect. Factor Investor: Value, Momentum, Trend. 🙌🏽Steve Bridge, CFP® @SteveMoneyCoach
1K Followers 197 Following An advice-only certified financial planner (CFP®) & financial literacy expert. Habs fan, traveller, mountain biker, hockey player, and animal lover.Mark Palmer @MarketPalmer_
8K Followers 344 Following Former financial professional sharing experiences and thoughts on growing wealth while enjoying life.Neil Bage @neilbage
2K Followers 920 Following Applied Neuroscience and Behavioural Science • Financial Services • Co-Founder at @shapingwealth • Keynote speakerKreigh @kreighw
728 Followers 604 Following Obsessed with being world-class as an entrepreneur, leader, husband and father. Building and buying productive assets along the way. Personal finance nerd.Rob Berger @Robert_A_Berger
4K Followers 218 Following Author • Investor • Podcaster • YouTuber • Speaker • Founding Editor @ForbesAdvisor • Author: https://t.co/4CCaYrk0E2Silent Cal @tjbmd8kzfm
80 Followers 82 FollowingJim Wang @WalletHacks
8K Followers 1K Following Curious about money, entrepreneurship, and self-improvement. Personal finance blogger at https://t.co/bIcCp71B59 & father of four, @Forbes contributorJackie Kenoyer @jackiekenoyer
2K Followers 341 Following Financial Educator | I teach beginners how to build wealth without a budget | Formerly a trader, banker, and math teacherRichard Rubin @RichardRubinDC
39K Followers 720 Following I cover U.S. tax policy for the @WSJ. There is ALWAYS a tax angle. Retweets are not endorsements or tax advice.Phil Francois✝️�.. @PhilFWP
144 Followers 229 Following CFP® professional. DMs are open for questions. Tweets are not advice, just my opinion. Catholic & owner @foundationw_pPatrick Donley @JPatrickDonley
789 Followers 539 Following Real estate entrepreneur, investor, and Millennial Investing podcast host for @tip_network.CCybulski, CFP® @cybulski_c
284 Followers 618 Following Former journalist current Financial Planner and CFP® helping business owners and equity compensated folks who need a plan, process, and partner.Alan McKnight, DBA, C.. @smartmoneyguy
214 Followers 251 Following Senior Wealth Advisor for Mercer Advisors. Instructor in Finance for the University of Florida's Wealth Management program as well as other CFP Board programs.Eric Holstein @BMReric
246 Followers 741 Following Father of 2, Husband for 31 years, Strong Faith, Personal Finance Enthusiast, CCIE, Runner, weekend Rocket Scientist, FIRE, tweets are my own.🌽🏈🎈 🏃♂️ 🔥Matthew Gagnon, CFA @fin_empowerment
504 Followers 5K Following Helping people build wealth and peace | Owner - Financial Empowerment LLC | Tweets are not adviceScott Truhlar @ScottTruhlar
3K Followers 490 Following Radiologist. Award winning financial educator. MD, MBA, and MS in Personal Financial Planning. Passed CFP® exam in 2008, not a CFP®. #FinTwit #RadiologyMVO Guy @mvo_guy_travis
149 Followers 466 Following "New" investor guy. Formed a software startup, but never got over the hump. Enjoys MVO, but doesn't take it too serious. Sports and humor sprinkled in.Peter Lazaroff @PeterLazaroff
5K Followers 812 Following Chief Investment Officer @Plancorp_LLC | CFA & CFP®| Contributor for @WSJ & @Forbes | Author of Making Money Simple | Host of The Long Term Investor PodcastJon FitzSimon @jonfitzsimon
1K Followers 983 Following Fan of business and leadership. Finance & Ecom. Like cold brew coffee? Check out Inspired Coffee Co. We sell flavored cold brew coffee on Amazon.Lindsey Young, CFP® @lindseyyoung_qw
212 Followers 200 Following Founder, @quietwealthllc. I provide flat-fee wealth management advice. Sporadic baseball content. No tweets/likes should be considered advice or endorsements.Zach Lopez, CFP® @zachlopezcfp
120 Followers 62 Following Husband and father | Financial Planner | Business owner | Passionate about financial education, fitness, nutrition, learning, family. Tweets ≠ advice.Eric Rife, CFP®, CPW.. @imericrife
1K Followers 358 Following Financial Planner to the C-Suite @masoninvests. Helping Millennials understand their equity compensation. Tweets are not advice.Adriel Tam @AdrielTam
20 Followers 76 Following Lover of business ideas that impact, riding on two wheels, the mountains, the arts, and living at full speed.Alex @diyreturns
119 Followers 157 Following Here to learn, banter and enjoy the ride. Appreciate optimism. Prefer to be roughly right than precisely wrong.Armand Lange @ArmandLange
888 Followers 2K Following A husband and father of two who loves to swim and take a shvitz. A sales leader who is passionate about disruption & innovation. I live each day with curiosity.Ramit Sethi @ramit
289K Followers 757 Following Host of @netflix "How to Get Rich" & the I Will Teach You To Be Rich podcast. Get my new money insights every Saturday 👉🏾 https://t.co/4ICLQHXj8xGeorge Mack @george__mack
287K Followers 941 Following The best ideas I think or find. Get the best ideas, essays and videos I've collected here: https://t.co/q33ixsFPbqAndrea MacDonald, CPA.. @andreamacdcpa
2K Followers 530 Following Mom, wife, lover of accounting memes🧵Taxes are going up on retirees is the worst assumption in personal finance.🧵
Any of my followers have experience/insight?
For anyone that’s taken an online course, what platform offered best customer experience? Currently looking at @Kajabi and @teachable
How to Review a 2023 Federal Tax Return #PFshare via @MeasureTwiceMNY youtu.be/iATDGAJpCjs?si…
@MeasureTwiceMNY At many places, that means you do real planning vs just throw them into a model
Everyone wants a hack, but the reality is that it’s pretty simple. But simple doesn’t mean easy. It’s easy to order Uber Eats and waltz into a car dealership and sign up for an expensive lease. But building wealth is about being disciplined enough not to fall for that trap.
If you pay your advisor a 1% fee and haven't heard from them in over a year, it's time to move on. There are way too many excellent advisors doing this job the right way for you to settle.
@MeasureTwiceMNY This is so cool. Can’t wait to tune in!
@MeasureTwiceMNY Looks great and very authentic - congrats to you and Jamie. Many will find this so valuable.
@MeasureTwiceMNY This is amazing! I don’t even want to know the compliance nightmare behind the scenes but it is amazing! 😂
In the financial advice industry, "fee based" does not mean "fee only". And "advice only" does not mean "advice only only." Hard to find an advisor that only charges flat or hourly fees, does not take commissions, and does not take a % of assets. Is there a list for that?
If you search for an Advice-Only financial planner on XY Planning Network's "Find an Advisor" tool, there will be 53 results! But unfortunately, 15 of them aren't actually Advice-Only, collectively managing $200 million. Advice-Only means financial planning without the…
Prior to 2022, there was a misconception that a 60/40 portfolio would always shield investors from a severe equity market downturn. That's never been true. Adding bonds to a diversified US equity portfolio reduces the probability of a large loss, but it does not eliminate it.
@MeasureTwiceMNY Well I can see the tweet was acknowledged (and no follow up.) Respectfully this is about confusion. Clarity must be found from all these "interpretations". Ultimately it's what's best for the CONSUMER. I don't think it will work to just cast aside a viable option.
@MeasureTwiceMNY As far as I have seen... 1) subset to fee only exclusionary approach (namely DIY) 2) broad fee-based approach (with no methodology) 3) Ours which specifies a process (advice seperate from all forms of solicitation)
@MeasureTwiceMNY It's embarrassing when financial advisors misuse their own terminology. If advisors don't understand their own fee terminology, clients don't stand a chance.
@MeasureTwiceMNY I never think of assets. Legacy is an industry jargon term alluding to assets passed on. I dont think the average person would say my parents left me a USD1m legacy. They would just say inheritance
@MeasureTwiceMNY My parents will be completely forgotten 80 years from now at most. And with current birth rates, their blood line will probably be extinct less than 200 years from now.
@MeasureTwiceMNY My father in law didn’t leave a penny, but all 3 of his children love The Lord, and as a result, all of their spouses, and all 12 of his grandkids. He didn’t do everything right, but he did the most important things right. That’s one heck of a legacy!
Reading effectively is 30% choosing the right books, 40% focused attention, and 30% applying what you learn
I've found that the best comminucators don't actually talk... They listen.
I know there are a lot of budget-haters out there 🚫 But following a budget (I use YNAB) can be SO empowering! 💪 I think many of the haters haven’t truly tried it yet 🤨