theficouple

The “American dream” is a debt trap: $80,000- College $30,000- Wedding $300,000- Home $40,000- Car We trap people in their 20’s & they spend the next 35+ years giving most of their time to a job to pay it all off. America does not run on Dunkin… it runs on consumer debt💸

If you're under the age of 30, do whatever it takes to have at least $220k in the stock market by age 40. Assuming long term historical averages & having a well diversified portfolio? Adding just $100/mo from there would likely get you ~$2 million by age 65👌🏻

$1,000 into index funds for 1 month = $1,000 $1,000/mo for 1 year = $12,507 $1,000/mo for 3 years = $41,152 The power of consistency.

Read a story about someone who bought a house because “everyone said they should.” It cost more than expected, they hated it & within a few years moved back into a high-rise apartment they love. Homeownership is NOT for everyone. Do what actually makes sense for you.

You were told your job should fulfill your dreams. But really, it just needs to fund them. Passion doesn’t have to pay. Work to live, not live to work.

A couple takes home $120,000/yr after taxes. They live on ~$7,000/mo & invest $25,000/yr into low-cost S&P 500 index funds. In ~18.5 years, they could have a ~$1.04M portfolio & ~$45K/year in 100% passive income. Middle class millionaires 💰

5 hottest real estate markets in the US: 1. Springfield, MA 2. Hartford, CT 3. Rochester, NY 4. Concord, NH 5. Nashua, NH Does this surprise?

Life hack: Stop trying to impress people you barely know by buying things you can’t afford. Focus instead on building a life you actually want. You’ll feel less pressure & more purpose 👌🏻

Top 6 habits that will change your life: 1. Get 8 hours of sleep 2. Make a budget 3. Work out 3x a week 4. Cut off negative people 5. Learn how to invest 6. Drink 100 fl oz of water/day Master these & everything else gets easier.

Question for the 98% of people who understand Bitcoin better than us: Can you actually retire and live off Bitcoin? Or do most people eventually cash out into something more stable like index funds or bonds? Genuinely curious how this works long-term.

We drove a beat up Corolla with 160,000+ miles for almost 10 years. We lived in a 100+ year old duplex with a tenant upstairs for 5 years. We also spent a lot on organic groceries + traveled often. Frugality doesn’t mean being cheap—it means spending on what matters to you.

Making $250,000 a year means you earn more than 90% of households. Yet many still feel middle class. Not poor, not rich. Just… stuck. Why do you think this is?

What $1,500/month invested in index funds turns into: $0 to $100k → 56 months $100k to $200k → 41 months $200k to $300k → 32 months $300k to $400k → 26 months The first $100k is the hardest.

Tens of millions of people feel stuck in a job—not because of passion, purpose, or pay. But because of health insurance. Let that sink in.

I know how to make $250,000 of tax free wealth with real estate. I don’t believe this can be done with Bitcoin. What am I missing ?

Most wealthy people drive "boring" paid off cars. They tend to live in nice, modest paid off homes. They buy real estate, avoid debt, keep cash & max out 401k's/Roth IRA's. They don't do "flashy" things. Because real wealth is quiet.

~60% of mortgages in the United States have a 4% or less interest rate. ~40% of all homes in the US are paid off. Millions of people won’t want to give up their home to then take on a 6-7% loan. So if you think there is an impending housing market crash? You’re wrong.

Imagine collecting $3,000-$4,000 every quarter from dividends? You could take epic family vacations, every quarter… for life. Paid for by 100% truly passive income 👌🏻

For anyone looking to buy a home: Just because you qualify for a $500,000 home does not mean you need to buy a $500,000 home.