💸40 is the new 30 (for home ownership)

$50/month at 22 = $300K+ at 65: That’s one night out. Invested in an S&P 500 index fund averaging 10% returns. Math doesn’t care about your excuses.

Apps make it idiot-proof: Acorns, Betterment, Vanguard—pick one, link your bank account, and set $50-100 monthly. Done. You’re now an investor.

Time is your superpower: Starting at 25 vs 35 costs you hundreds of thousands. Every year you wait is literally expensive.

Stock summary: Tech and financial stocks are dragging on major indices like the S&P 500 and Nasdaq, with credit risk concerns weighing on growth sectors even as some individual companies, like Dell and Paramount, outperformed. (more)

Ba du du du duh: They’re loving it. McDonald’s has successfully driven sales by refocusing on value and discounts, but is now rolling out its largest, premium-priced burger yet — the Big Arch. It’s a strategy that echoes the company’s past flop, the Arch Deluxe, but honestly I think they’d have a lot of success if they’d just consistently have working ice cream machines. (more) 

Bracing Bitcoin: The bitcoin options market suggests that big, experienced investors are bracing for prices to fall. More traders are buying protective “put” options than betting on gains, showing growing pessimism as bitcoin heads toward its worst February since 2020 and investors try to guard against further losses. (more)

More Bitcoin news: The Iran conflict has created uncertainty for Bitcoin, with traders closely watching how elevated oil prices and rising demand for safe-haven assets like gold could influence crypto sentiment and price movements amid broader market risk-off conditions. (more)

The risk-averse trend: Concerns that AI could shake up various industries are prompting many investors to sell expensive tech stocks. They’re shifting money away from companies that look risky and toward those they think will benefit from AI spending, while avoiding those with weaker growth outlooks. (more)

"The best money move actually didn't necessarily return me the most money immediately. But for me, it was really going all in on launching Reconstructing Wealth, really launching this advisory practice."

"I'm fully independent on my own business owner now, not affiliated to anybody, but actually like dumping everything I had into building this thing.”

"So far and for the foreseeable future, it is turning into the best money move, even though it's the scariest and on paper at first, the worst-looking money move I've ever made."

"I have not once, but twice invested thousands and thousands of dollars into what sounded like incredible marketing opportunities for my business."

“Both times, I thought, they understand what I'm looking for, what I'm about. They have the pedigree, the access, the knowledge that's going to get me into something that I just wasn't able to do on my own. And I returned a big old goose egg so far on all of those marketing dollars."

"The first mistake I understand, but it was the second one that was my biggest money mistake. That's the shame on me. There's not a lot I can recoup from that."

Everyone has "some version of jacked up relationship with their finances." Matt charges to help them reconstruct it from a scarcity mindset to an abundance one.

While 315,000 advisors sound identical, Matt uses individual equities and active strategies instead of "dump it in funds and see you next year." Different sells.

Baseball player to Cutco knife salesman to snow plower to wealth advisor. Matt's messy money journey IS his qualification! Because transformation beats pedigree every time.