US Finance guy turning a W-2 paycheck into passive income. Dividends, options, investing, side hustles and more.
United States
Joined December 2023
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$1,000/mo in dividends isn't $1,000/mo.
SCHD (mostly qualified, 15% rate): you keep about $850.
JEPQ (mostly ordinary income, 22% bracket): you keep about $780.
That's $840 a year just from what kind of income it is. Same payout in an IRA? You keep all of it for now.
Do you hold your high-yielders in taxable or an IRA?
Has the AI bubble popped? Or is this just a step backwards while $NVDA looks for new leadership?
BREAKING: US neocloud stocks collapse after Jensen Huang resigns as CEO of Nvidia:
1. Nebius, $NBIS: -21%
2. CoreWeave, $CRWV: -14%
3. Roundhill Neocloud ETF, $NEO: -13%
4. IREN, $IREN: -9%
5. Cipher Digital, $CIFR: -9%
6. Applied Digital, $APLD: -8%
7. TeraWulf, $WULF: -7%
8. Core Scientific, $CORZ: -5%
Nasdaq 100 futures extend losses to -1.5% on the day.
Who's buying?
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Guess what $UAL? The company that embraces AI agents rather than shuns them is the one that will win.
AI agents are meant to make consumers' lives easier.
Letting them search a flight but not book it only does half the job.
UNITED AIRLINES IS BANNING AI AGENTS FROM BOOKING FLIGHTS
United $UAL will let AI assistants search its flights and fares, but not complete a booking, according to the WSJ. The airline says automated assistants create data-privacy risks.
"Protecting our customers' data and accounts is a priority for United," the airline said.
It's the latest company to close the door on AI shopping agents like Meta's Muse. Amazon blocked Muse from its site in September, and Delta and JPMorgan have also restricted AI agents.
Big Tech is racing to build agents that shop for you. The companies they'd shop at are starting to say no.
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I can't believe so much money would be tied up to one celebrity CEO.
Are people invested in $NVDA for the man, or for what the company is, or for what the company could be?
Jensen Huang has now had the most expensive affair in history.
Between the revelation of both affairs, Nvidia stock, $NVDA, has erased -$700 billion in market cap.
This means Nvidia has lost -$2.1 trillion in market cap since October 26th, in just 26 trading days.
That’s -$81 billion per day for 26 days straight.
There's a new version of this post
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where should an extra $10k go? honestly.
Pay off a 24% credit card: saves $2,400 a year, guaranteed
Pay off a 7% car loan: saves $700 a year, guaranteed
Buy a 4% dividend stock: pays $400 a year, plus maybe growth
High interest debt is one of the best investments that people have.
What would you do with $10k?
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Really love how @XMoney is almost gamifying the cashback and adding that extra dopamine boost for people to spend.
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You can do everything right as an investor and still lose money because of one person you’ve never met.
One CEO, one headline. $100 BILLION gone in minutes.
Whether this report holds up or not, the lesson is the same: when a company is built around one person, his reputation is your risk.
That’s why I like owning income streams no single person can ruin:
- A paycheck I earn.
- A fund that holds hundreds of companies.
- Dividends paid by businesses that run without a celebrity CEO.
Concentration builds wealth fast. It also loses it fast.
Who’s the one person your money depends on?
BREAKING: Nvidia stock, $NVDA, falls sharply on reports that Jensen Huang had another affair with a senior employee at the company.
Same 12 years, June 2000 to Aug 2012:
S&P 500 price: -2.9%
Dividends reinvested: +22%
The dividends did all the work during that time.
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1,000 followers already. Wow.
What I've learned is that X is full of high-growth, financially intelligent people who want the same thing:
- pursue more income / make MORE money
- maximize the paycheck they already have
- build a paycheck that they truly own themselves
- make their money work for them
That's the whole point of this account. Grow your income, then make your income work for you.
Thank you for being here.
$150/mo car insurance is $1,800 a year.
To cover it with dividends: $45k at 4%. $22.5k at 8%.
But shopping your rate once a year and saving $30/mo lowers that target by $9k.
When did you last shop your insurance?
Might actually start to use this.
How many of you are actually using your @XMoney for spending instead of just using it as a HYSA?
Earn up to 3% cashback on your holiday shopping. Two ways to get it:
• Receive $1,000/mo in qualifying direct deposits
• Or join The X Subscription (Plus or higher)
Start earning before Black Friday: xitter.twitterapi.xyz/i/money
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Americans deserve access to healthier food.
Hey @HeinzTweets CEO, why do Europeans get the best-quality ketchup while Americans go without?
We tried to bring your superior European recipe (real sugar, incredible taste) to the U.S. Instead, you're pushing "Simply Heinz" — but it just doesn't taste as good.
Heinz is a great American brand. Why are you giving Europe a higher-quality product than the one you offer to your own home country?
Stop forcing us to look elsewhere for a replacement. Do the right thing for American diners. 🇺🇸🍅
Alex | Pursuit of Income retweeted
Happy Veterans Day!!
To show some love today
I decided to do a Giveaway!!
$5 to one lucky Winner!
Just..
1. Like
2. Share
3. Write
"Thank you for your service"
That's it! One lucky winner will be chosen randomly by Grok tonight between 7-9 pm!
Requirements...
Must be a follower and have access to @XMoney
That's it!
$50/mo in subscriptions is $600 a year.
To cover it with dividends: $15k at 4%.
Canceling them is the same as earning a $15k portfolio overnight.
How many subscriptions are you paying for?
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A $12k raise and $12k in qualified dividends are not the same paycheck.
Raise at 22% + 7.65% payroll tax: you keep about $8,440.
Qualified dividends at 15%: you keep $10,200.
The catch: you'd need about $300k invested at 4% to earn that $12k.
Did you know dividends can be taxed less than your paycheck?
The highest-ROI move in your 20s usually isn't a stock. It's actually your next job.
A 10% bump on $70k is $7,000 a year. That's what $175k pays at 4%.
Did your biggest raise come from staying or leaving?
This is the reality if you rely on a single income stream. No dividends, no other source of income coming in.
Eventually your boss from your W-2 job will want you to do something that you don't want to do, like work on your wedding weekend, or if you're salaried, work some unpaid overtime. You're constantly at risk for being fired.
This is why it's so important to build a paycheck that you own.
