NYC Rent Freeze - but here are the facts: 👇⬇️

✅ A $100 investment every week adds up to $5,200 a year. Invested for 30 years at an illustrative 8% annual return, that's roughly $636,000. You contributed just $156,000. Compound growth did the rest. Wealth isn't built overnight. It's built consistently.

💰 $10 a day can change your financial future. Invest $300/month for 30 years at an 8% annual return: Your contributions: $108,000 Potential portfolio: $447,000 You invested $108K. Compounding did the rest. The secret isn't getting rich overnight. It's giving your money decades to grow. MyFriendAlex.org *Illustrative return, not guaranteed. Excludes taxes, fees and inflation.

🚨ignore the noise. Short consistent investments and savings beat out fast roller coasters- every single time.

🚨 The first thing to do, if you have kids, add them as authorized users to help build their credit history early on! @RobinhoodApp @RobinhoodComms @vladtenev

🚨 Here’s the reality

X Money just launched joint accounts (in beta). Key details: •Instant setup; create a joint account right away •Shared full access: each owner has complete control over all funds, not just what they deposited; either can spend, send, withdraw, deposit, transfer •X Card integration: spend from the joint account anywhere •Joint bank linking: allowed if both owners are authorized on the external account •FDIC coverage: up to $250K per co-owner, per bank, so up to $500K total for a two-owner account at Cross River Bank

🚨 Off the waitlist? more and more off the waitlist as users moving to Platinum. Compare cards here: myfriendalex.org/credit-card…

This is a great gift. Remember, compounding is the 8th wonder of the world!

X Money is more interesting than just “3% cashback.” I built a calculator showing the debit rewards + APY rules, including the Premium tiers, subscription cost and the 0% APY rule for NY residents. Run the numbers: MyFriendAlex.org/x-money

Are you doing your best to maximize your spending efficiency? 👇✅ myfriendalex.org/credit-card…

We’re already two-thirds through 2026. The 401(k) contribution limit is $24,500: about $2,042 per month. Today: • Check your year-to-date contributions • Count your remaining paychecks • Confirm your employer match • Adjust payroll if needed Don’t wait until December.

The Fed raises rates to cool inflation. Higher rates make mortgages, car loans, credit cards and business borrowing more expensive. That usually slows spending, hiring and investment. Quick history: 1980s: Volcker pushed rates near 20% to crush inflation. 2008: Fed cut rates near 0% after the financial crisis. 2020: Back near 0% during COVID. 2022–23: Fastest hiking cycle in decades as inflation surged. Rates are basically the economy’s brake pedal: higher = slow things down, lower = encourage borrowing and growth.

✅ The most underrated wealth-building move isn’t picking the next 10x stock. It’s getting your first $100,000 invested. At 8% annual returns: $100k → $216k in 10 years → $466k in 20 years → $1.0M in 30 years The first $100k is the grind. After that, compounding starts doing more of the work.

🚗 before I had kids, I bought myself a car for $120k in 2018. Sounds insane. But if I keep it for 10–15 years, that’s ~$8K–$12K/year before resale value. An expensive car isn’t always a bad financial decision. Constantly upgrading can be worse. Play the long game. Funny enough, now I’m excited about minivans 😂

💰💵✅ Building wealth is about keeping more of what you earn. Max the 401(k). Use the HSA. Fund the IRA. Invest consistently. Avoid high-interest debt. Get the right insurance. Have a will. The boring stuff compounds too.

💰 The biggest investing mistake isn’t missing the stock that doubles. It’s watching a small position double, then convincing yourself to put $100,000 into the next “sure thing” using leverage. A 30% gain feels great. A 50% loss requires a 100% gain just to recover. Position size matters more than the prediction.

The “loyalty tax” is still real. In July, wages grew 4.4% for people who changed jobs versus 3.6% for those who stayed, according to the Atlanta Fed. You don’t have to take every recruiter call, but it never hurts to know what the market thinks you’re worth.

💰Making $150K but spending $140K leaves you $10K. Making $100K but spending $70K leaves you $30K. Income gets the attention. The gap is what builds wealth.