You will never change my mind

Empty jars make the most noise when shaken.

Anthropic is targeting a mid November IPO, with investors looking at a valuation of $1.5 trillion. The AI firm is planning to launch consultancy business serving European markets, with planned offices in London and Berlin Anthropic's IPO proves investor appetite for AI. But a massive valuation comes with equally massive expectations, capital requirements, and risks Are you gonna be a buyer?

Living paycheck to paycheck isn't an income problem 12 years advising households, and I've watched people make $200,000 and go broke while $50,000 earners build real wealth. The difference was never their salary I've seen people raise their income and raise their spending step for step. That's an easy way to never build wealth. People forget how you allocate money matters more than how much you make. Your choices are Pay yourself first or spend first Automate the boring stuff or rely on willpower every month Attack the highest-interest debt or the one that "feels" biggest The paycheck-to-paycheck grind isn't punishment for earning too little. It's the default for anyone who never learned financial literacy That's the actual skill. Not budgeting apps. Not side hustles Get the order right and modest income turns into real wealth over time. Get it wrong and a big raise just buys a bigger version of the same problem I've watched it play out hundreds of times to know it's not luck. It's process repeated for years, until it looks like luck to everyone else

Every week I get asked if I'm scared AI will replace me as a financial advisor A better question is: Are my clients the type of people that would use an AI robot for financial advice over me? The answer is an obvious no The same idea can be applied to any business or creative producer If you're a writer on social media and you're wondering if your audience will read AI content over yours and the answer is yes. Well then you need a new audience The benefit to the internet is that your audience is global. It's a mistake to think that 100% of the internet will want to read AI-generated content. Share your experiences and then relate those experiences to life lessons. AI can't have experiences. There's your edge

I pay $8,000 per year in fees on behalf of my clients It's my choice That's why I love being an independent advisor. I can choose my compensation model Ask your financial advisor how they're paid It will tell you what their priorities are and which products they push But here's what most clients forget: Ask more than once Their compensation model will likely change over your relationship

This is the best argument to support financial literacy there is.

This account exists to teach you what you were never taught in school. Things like how to get started with investing, how to reduce debt, and how to be tax efficient. If you struggle with financial literacy you are the reason this account exists. Follow along and you will break the paycheck to paycheck cycle, retire sooner, and spend more time with friends and family. Together we will create wealth that can be passed on to the next generation

Financial content doesn't want you calm. Calm doesn't get engagement That's why every post has a countdown: By 30 you need $300,000 invested By 40 you should own a house outright By 50 you're behind if you're not retired. 12 years advising real investors showed me something different Your timeline shouldn't match everyone else's The people doing fine stopped trying to keep up with the their neighbor Write for the reader who feels behind, not the one bragging about being ahead That's how you build a following

Life is about change Age 15: Lacrosse tutor, Sports referee Age 16: Grocery clerk, Landscaper, Food delivery boy Age 23: Financial Advisor Age 25: Home owner Age 27: Investment Specialist Age 30: Financial Planner, Husband Ager 33: Father Age 34: Entrepreneur Wherever you are today is a piece of a greater journey

The paradox of learning anything is the better you get the more mistakes you realized you made

If you think spending $20 a month on a gym membership is why you're poor, just wait until you get the medical bills 30 years later

The cost of coffee is up 6.1% this year

Cut up your credit cards. All debt is bad debt I've heard this from parents, Reddit posts, even other advisors. 12 years working finance, and it's still one of the most common mistakes Here's what happens to the people who follow it They pay cash for everything which feels responsible. Meanwhile their credit score stalls because there's no active credit history to measure Five years later they go to buy a house and get a worse rate than someone who carried a card and paid it off monthly. A credit card paid in full every month is an interest-free loan for 30 days. That's a tool. Refusing to use it isn't discipline, it's missing out on developing personal finance skills All debt is not equal. A 24% interest rate on a vacation and a 6% rate on an appreciating asset are not the same decision Lumping them together makes no sense Real financial judgment doesn't fit in one sentence. It asks what the debt is for, what it costs, and what it replaces. The people who build real wealth took the time to become financially literate and use the tools available to them That's the part the one liners never explain

What's the worst financial advice you've ever heard?

This is the garbage financial advice you get on Reddit Somehow people still go back there and make financial decisions based on what they read instead of going to a qualified financial advisor

I've read over 20 finance books Watched dozens of Gary Vee videos I own a wealth advisory business But being a Dad has been the best form of growth I've ever had

When accounts show their net worth does that motivate you or bother you?

Finance content gives you the best return for your time spent I've spent 12 years advising people on money. Debt, investing, and how to build wealth over decades Here's what people miss about followers of accounts like mine. They didn't follow because they saw a hot stock pick They didn't follow because they wanted a shortcut They didn't follow because an algorithm said so They followed because at some point they got tired of feeling stressed about bills Tired of googling "pay off debt or invest" at midnight Tired of watching someone else's portfolio screenshot and feeling behind That's not chasing entertainment. That's trying to better yourself. Most financial content online was never built to make you competent. It was built to make you scroll. Everyone claims to know the next Nvidia Mine is built different. How budget properly. How to not pay credit card interest. What makes a good advisor. The habits that only look boring because they take years to pay off None of it is exciting. All of it works. When someone follows an account like mine, they're not chasing a number. They're making a decision to stop being average with money, one choice at a time

Its Canadian Thanksgiving I'm in charge of brussel sprouts The bacon to brussel sprout ratio will be talked about for generations