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Yesterday I explained why far more than 10% of my net worth sits in one company, and why I'm not selling it down.
It comes down to one question (and it isn't what percentage to cap a stock at).
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opulusmethod.substack.com/p/…
You did everything right with your money.
So why does spending still feel wrong or come with a guilt trip?
Yesterday's newsletter has an answer, and it has nothing to do with willpower.
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opulusmethod.com/p/how-to-st…
This morning's newsletter is about the $170,000 most high earners leave on the table in their taxable account.
Not from bad investing.
From a fund structure that can't do what an individual stock position can.
Here's the gap, and how to close it:
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opulusmethod.com/p/the-set-i…
Ryan Greiser, CFP® retweeted
spent more time with Fran and Ryan yesterday in person
a couple of rock solid dudes from the great state of PA who said “why not us” and “why not do it our way”
Congrats on 9 figures under management 🚀
@FranWalsh73 @Greiser
7 years ago today, Fran and I walked away from our broker-dealer to start Opulus.
No mahogany office. No sales scripts. No suit-and-tie culture.
We didn't have a plan so much as a conviction: we could build something better if we just stopped asking permission.
A handful of clients said yes. So did some friends and family. About 50 people trusted us with roughly $12M.
That was the whole company.
Today we work with close to 200 families across 32 states. Median age 41. We're closing in on $115M under management.
And somewhere along the way, the thing that used to get us in trouble became the thing that built the business. We went from being banned from social media at our old firm to sharing our thinking every single day, for free, so people can either use it themselves or bring us in to do it with them.
Between me and Fran, that's grown into about 27,000 followers on here and 4,750 people who subscribe to our newsletter.
I believed in 2019 that we were building something worth building. I did not believe it would look like this.
I'm grateful for every client who bet on two guys with no track record and who didn't want to wear a suit and tie to the office. I'm grateful for the supporters, and honestly the critics too. You sharpen us whether you mean to or not.
Most of all: my wife and our three kids gave me the room to take this risk in the first place. None of this happens without that.
And Fran. Seven years in, he's not a business partner anymore. He's family.
If you're an advisor, or really anyone, sitting on the idea that you could do this differently, betting on yourself is still the best decision I've ever made.
Thank you 𝕏.
— Ryan
7 years ago today, Fran and I walked away from our broker-dealer to start Opulus.
No mahogany office. No sales scripts. No suit-and-tie culture.
We didn't have a plan so much as a conviction: we could build something better if we just stopped asking permission.
A handful of clients said yes. So did some friends and family. About 50 people trusted us with roughly $12M.
That was the whole company.
Today we work with close to 200 families across 32 states. Median age 41. We're closing in on $115M under management.
And somewhere along the way, the thing that used to get us in trouble became the thing that built the business. We went from being banned from social media at our old firm to sharing our thinking every single day, for free, so people can either use it themselves or bring us in to do it with them.
Between me and Fran, that's grown into about 27,000 followers on here and 4,750 people who subscribe to our newsletter.
I believed in 2019 that we were building something worth building. I did not believe it would look like this.
I'm grateful for every client who bet on two guys with no track record and who didn't want to wear a suit and tie to the office. I'm grateful for the supporters, and honestly the critics too. You sharpen us whether you mean to or not.
Most of all: my wife and our three kids gave me the room to take this risk in the first place. None of this happens without that.
And Fran. Seven years in, he's not a business partner anymore. He's family.
If you're an advisor, or really anyone, sitting on the idea that you could do this differently, betting on yourself is still the best decision I've ever made.
Thank you 𝕏.
— Ryan
Pull money from a 401(k) before 59½ and the IRS takes 10% off the top, plus income tax.
Yesterday's newsletter breaks down the account that avoids all of the penalty, and the 2026 tax bracket that makes six figure gains tax-free.
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opulusmethod.com/p/three-rea…
A pattern shows up with clients anxious about inflation:
They never connect it to their own mortgage.
Their payment is fixed. Everything else keeps rising.
The same inflation eating their grocery budget is shrinking their biggest debt in real terms.
If you love ideas like this, checkout my newsletter.
Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.
Join 4,000+ subscribers: opulusmethod.com
Stop asking "should I sell my RSUs."
Use this 4-step framework instead:
1. What’s this worth after tax?
2. Would you buy this much stock with cash?
3. Sell whatever is a “no.”
4. Keep only what’s a real “yes.”
The years you’re free enough to enjoy what you’ve built are fewer than the years you spend building it.
Spend accordingly.
Four numbers determine how much life insurance a family actually needs: outstanding debt, years of income to replace, the mortgage balance, and future education costs.
Most quotes skip straight to a multiple of salary instead.
The multiple is easier to sell, but those four numbers are the actual math that matters.
Families who add up debt, income, mortgage, and education almost always land with a number they need instead of the insurance industry shortcut.
This year I booked a $10,000+ family vacation.
For a moment, it made me feel sick.
Then I checked three numbers and the guilt disappeared.
Today’s piece breaks down those three numbers and why this works at almost any income.
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open.substack.com/pub/opulus…
Playing it safe feels responsible. That isn't always the safer choice.
When you can recover from a wrong move but can't recover the years you spent not making it, delay is the actual risk.
Most people have this backwards.
I've noticed something with clients whose kids are still young:
They treat money like the scarce resource and time like the abundant one.
It's backwards.
Money you can always make more of. Time with an 8-year-old runs out in about ten summers.
Most people don't realize this until it's too late.
If you love ideas like this, checkout my newsletter.
Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.
Join 4,000+ subscribers: opulusmethod.com