Staying too long in a toxic work environment. Not being true to myself about what I wanted to do. Prioritizing the good of the organization over myself.

Hi friend, this is a ton to be going through and I'm sorry to hear you've had such a string of bad luck. I don't have anything super helpful to say, but one thing that jumped out at me was 2500 applications. I know folks are going to grill me for this, but that number screams quantity over quality and is a bad approach.

Consider if you might have better luck slowing down, strategizing, and sending in fewer but more targeted applications. I'd set a goal to send out no more than 1 application a day. Find an opening, research the company, customize your resume, write a cover letter. If it's a really great fit, and you're REALLY interested (like it could be the ONE) write a personal email to the director of HR on LinkedIn expressing your interest.

At the rate of 1 quality application per day, 2500 is literally almost 7 years of applications. If you're just spamming and they are all getting rejected, might be time for a different approach. You may feel desperate, truly, but desperation is an aura that's going to work against you. You have shelter, you have a job, take a breath and take care of yourself.

Insurance company response may be based on no evidence of bone loss. X rays could show this and also the  measurements of pockets around the teeth that are 4mm or deeper. Did your dentist support his decision to deep scale by either of these methods?

According to the contracts with most insurance companies they have to bill within a certain period of time. 

They cannot require you to pay what insurance would have paid if they failed to bill.

Not being more proactive in seeking advancement and change.

I have never been keen on classifying people into set levels. Some people prefer to be right in the code and are excellent and experienced at that - but can not deal with management - other people are a bit fuzzy on the code - but excellent at dealing with management. 

To me a senior is someone who ads massive value to the project, and helps other people in the team to achieve success of the project. Someone that can be relied upon to step in and stop problems early and keep things on the right track. 

My first job right out of university - my title was 'senior analyst' - which made me realise how bullshit job titles really were.

Take a look at this calculator, run the numbers and take a look at the graphs.
You can also download a CSV file and look year on year across the different scenarios:

https://ficalc.app/

4% rule near-guarantees not running out of money over 30 years, but is not a principal-preservation strategy (so short answer, yes you eat into principal sometimes*)

*Caveat is that in most cases, your principal will actually grow than deplete... But nonetheless above comment still stands

Always get a second opinion. Just a few weeks ago I went to a dentist that said I needed 4 fillings and wanted to charge me $1800 for it. Went to a different dentist and they said I had 1, and charged me about $200 ($57 post insurance since I have a $50 deductible).

You have $9k in cash savings right now? I would use that cash to pay off your 24% APR credit card and one of your 10% APR loans. 

> gives me a range of $2500-$3200 each month

This seems like a livable income if you are splitting shared expenses with your girlfriend in a LCOL area and have no dependents.  I would keep chugging along, pay down your debt, save up an emergency fund, and then increase how much you are contributing to your 401k. If you are exhausted and demoralized by all of the job applications, then take a break for a few months.

Purely speculative on motives of others, but people are tired of AI, Russians, and Israel. You combined all three - unlucky. Most "AI" solutions fail to produce anything of value and people are starting to realize that, at this time if I get a choice of supporting anyone other than a Russian or a Russian there's a decent chance I will choose anyone other than a Russian, and I definitely do not want to support the things going on in Israel.

To me it comes down to scope, how you do it is up to you:

- Entry level SWEs do what they are told to do
- Mid level SWEs deliver on larger tasks with a list of requirements
- **Senior level SWEs build whole systems within a project. They impose the design and usually deliver the hardest tickets and oversee the remainder of the tickets' completion by lower levels. They are also often assigned problems to solve instead of explicitly defined work.**
- Staff level SWEs are actively seeking out problems to solve (often on other teams entirely) while providing guidance on design across the team and managing cross team dependencies all while doing senior level responsibilities in the background.
- The people above this are doing similar things to a staff engineer, but at the org and even company level, solving the most pressing issues that the company is facing.

Everyone has their strengths. I've worked with seniors who are not as strong from a technical perspective, but ask all the right questions in meetings/design reviews and move mountains when it comes to managing cross team collaboration.

The world is moving so much towards AI...everyone screams AI but few seldom seem to be able to figure business application of AI for problem solving. May be something you can focus on?

Insurance companies never send a check to the patient unless it’s for reimbursement. Your old insurance is still in effect because it was your insurance on the date of service. Get a copy of the bill, make sure it has CPT codes and a diagnosis code and the doctor signature on it. Submit to same insurance company. Keep a copy yourself. They’re rules about medical facilities having to submit bills to the patient insurance before seeking payment from the patient . If they say they did, then there should be a dental letter and you would have received a copy. It’s a good idea to save all medical reviews payment letters from your insurance company for at least three years.

The term "'nest egg" originated from the practice of farmers putting eggs in hens' nests to encourage them to lay more eggs. The term has been used to refer to savings since the late 17th century.

The farmers were always going to eat or sell some of the eggs.

Congratulations, you have earned so much in two years

Yeah but I don't see a problem. Are we learning how to ride horses cause we're too dependent on cars now?

How the hell is this even possible? Have you gone to high school full time for the last two years?? 

I worked part time from ages 13-18 and even now, can't fathom having saved 50k, even knowing what I know now about money and saving.

This is impressive all the same.

Awesome ! Congratulations and i enjoyed reading the ups and downs. Great Story telling!

What does this entail? They said it popped over to me when I hit a certain age and now it’s mine but they want to cash it out to help with a down payment on a new house. Anyone know how this works or can give me a ELI5? Sounds like they’re asking for cash that’s now in my name? Anybody deal with something like this?

EDIT: A lot of questions on who paid. My Pops said they did from birth to whenever it was automatically turned over to me (had no idea, I’m early middle age with my own family”

EDIT 2: Not interested in the money. They need it more and I don’t want any ties to blockading that. Financially wise? Perhaps not. I just don’t want negative consequences when going through the process.

Thanks for the help folks! It really provided what I needed in moving forward.

Parents asking to cash out Gerber Plan for their down payment.

Most of the FAANGs are hybrid now, and even with the extra TC, it doesn't make as much sense to move to a super HCOL area like Silicon Valley or New York. Not just that but the extra hours commuting feels like hours being stolen from your life IMO.

Which companies still pay good money while being fully remote?

I had **$0** at age *29*.

All-time high today at: **$928,500** at age **46**.

Never had any RE. Renting all the way.

I did this on a salary below **$70K!**

**2024** is the first year I will ever cross the annual salary of **$70K!**

My goal was to be a millionaire in my 40's. It was a pipe dream back then but it looks like I should at least cross the $1M mark at least once before I turn 50.

Road to $1M NW is getting closer!

It's not the 1 million mark,  but it is a big achievement for us.  Our total income is $164k and it took us 17 years to get this far. The first 4 years was just on my income and we only put in $2k a year towards my ROTH IRA. When my wife was finally able to land a job,  we agreed to keep our current lifestyle and save the excess towards a new car since we had an old one that was giving trouble.  About 11 years ago,  I saw the news about the couple that retired at 30(don't recall their name). We discussed it and said we wanted to be like them.  Only problem was that we only had a combined income of $36k. I started to research into what I could learn that didn't require a degree. IT was what we ended up with.  After studying and getting certifications, I started getting job interviews 2 months later.  That was when we started making progress and adding to the 401k. As we made more money,  we just added more to our 401k.   

Family of 5. We spend about 100 to 200 a month on take out food and the rest is eating at home.  This year was the first year we splurged on our vacation and went out of the country.  Previously,  our vacations were hiking and camping.  It's a rather boring story and we're not FAANG employees,  but we did pretty decent.    

150k in our ROTH IRA. 

705k in our 401k. 

49k in our brokerage

Edit: fixed typo and spacing. 

We made it to $900k!

My last post was over a year ago here:

[https://www.reddit.com/r/fatFIRE/comments/16gul3r/39\_year\_old\_personal\_injury\_law\_21\_million\_nw\_9/](https://www.reddit.com/r/fatFIRE/comments/16gul3r/39_year_old_personal_injury_law_21_million_nw_9/)

Here are my previous posts:

[https://www.reddit.com/r/fatFIRE/comments/w3390g/38\_year\_old\_personal\_injury\_law\_158\_million\_nw\_6/](https://www.reddit.com/r/fatFIRE/comments/w3390g/38_year_old_personal_injury_law_158_million_nw_6/)

 [https://www.reddit.com/r/fatFIRE/comments/jvdnya/36\_year\_old\_personal\_injury\_law\_10\_million\_nw\_5/](https://www.reddit.com/r/fatFIRE/comments/jvdnya/36_year_old_personal_injury_law_10_million_nw_5/)

[https://www.reddit.com/r/fatFIRE/comments/88p5xg/make\_over\_1\_mil\_per\_year\_and\_want\_to\_retire\_in\_5/](https://www.reddit.com/r/fatFIRE/comments/88p5xg/make_over_1_mil_per_year_and_want_to_retire_in_5/)

A lot has happened over the last year so I figured I'd make my annual post about my firm and status of my finances. Every time I post I get hundreds of DMs and meet dozens of posters in real life. After my last post I actually met up with a couple well known Youtubers and have since become good friends with them. My wife quit her job and now is a full time stay at home mom. It has been a huge help since our kids are now 5 and 7 and they are starting extra circular activities like jui-jitsu, dance, chess, etc. Not only is my net worth up, but my wife is still in great shape. She really is enjoying not working and it has given us a lot more time to spend together. Also, with the extra time she has, she has been hitting the gym extra hard and is in the best shape of her life (5'1 110lbs and toned). I'm no slouch either. I still have a six pack and rep 315lbs. I know how happy many of you were for me last post that I have a great marriage and me and my wife stay in shape!

Firm Growth:

Last year we were at around 1,400 active cases and 30 staff (paralegals and attorneys). As of today we are closer to 2,000 active cases and I have 40 staff. We are doing somewhere around 6 million per month in settlements and signing up somewhere around 170 cases per month. Even with no marketing, since we have so many former clients, our growth continues simply from momentum.

The growth has been great for a lot of reasons, but one of the best is that we have been able to pay our most important staff significantly above market and that has kept employee turn over extremely low. Plus the work environment has stayed fun. We hire for personality above everything else, so our firm culture hasn't changed.

We are actively hiring now all the time, and expect to be at around 45 employees within the next 6 months. My biggest concern last year was office space but some additional space opened up on our floor and we got another suit now dedicated to litigation. That brings our square footage to around 7,000. We now split prelitigation into the biggest suite (5K) and litigation into the small one (2K). I don't plan on buying a building but if our firm keeps expanding I may have no choice.

Marketing:

Our marketing hasn't changed. It is still zero. As I mentioned before, our word of mouth from doing great work is all the marketing we ever have done. I honestly would be happy to keep the firm at the size it is now but that really would be impossible. If we started turning down cases, our referral sources would dry up. So it's really a take lots of cases or get very few.

Other Businesses:

I still also have my other personal injury firm. For that one I have a partner. We are still somewhere around 500 cases. My partner is great and it is very hands off. I send all my overflow cases and get a check every quarter for my portion of the profits. If I ever retire it is enough cashflow alone to pay for double all my annual expenses.

The class action firm is still pretty much inactive but we are thinking about a few ideas for cases that could generate significant additional revenue. I'm just not sure yet if I want to spend the time doing that when my main firm is already making so much money and I'd rather spend the extra time on hobbies.

Finally, the restaurant. I spent somewhere around 250-300K to open it. It was really fun for about a year and then it became a nightmare. One of my partners was a great chef but had no idea how to run a restaurant, and the other partner was always there with his friends but didn't contribute much. It got to the point where my wife and I were doing all the accounting, payroll, insurance, taxes, and hiring. Even though it made a small amount of money it wasn't worth the headache, and the fun went away really fast. So we ended up selling the assets (including the alcohol license) and closed it. While it was a fun experience and I don't regret it, it is not something I would ever do again. At this point in my life I just want to focus on low stress endeavors. Happy to answer any questions about the restaurant.

Anxiety/Stress

My stress is still gone. I have been letting go a lot more. I still do psychedelics periodically with my wife. Probably once a month or so. Usually 2cb or acid. And we do MDMA every 3 months too. We try to stay away from shrooms since they give her a stomach ache. The psychedelics definitely help keep the stress away and the bonding/sex from them is always amazing.

Current Plan

Since my last post I have cut my work down to 4 days a week. I have two brothers (24 and 37) and a sister (24 - twin of the other brother) who work with me and my 37 year old brother helps me run the firm. We each take a day off every week and cover for each other. It has been amazing to have a day off every week to pursue hobbies, relax, bond with my wife, or just do nothing. I also bought a camper van with Starlink that I use to go to the beach and work there a few times a month. I will probably cut it to 3 days a week in about a year. My 24 year old brother is starting law school next year and the goal will be for him to take over the day-to-day when he is finished. At that point I'll probably retire (44 years old) and work 10 hours a week or so helping with the things that I enjoy.

Financial Goals

I don't really have financial goals anymore. My annual spend is a fraction of my regular income and its even a fraction of my passive income. I have been spending a little more on things like business class flights, and services that save time but my overall spending maybe went up 30k/year. Since I'm not burned out with work I really enjoy going in every day. I'd like to be involved until my youngest brother can take over, and then I would just keep my toes in the water so I always have some business endeavor in my life. Even if only a little bit. I have a few very large cases in the pipeline (at least a few with eight figure potential) and it is very possible that I will eclipse 50 million net worth by the end of next year if a couple of them pop.

Hobbies

I have taken up some new hobbies over the last year too. I have gotten into scuba diving and got my open water, advanced open water, and rescue certs this year. I've been diving at Anacapa, Catalina, and did a trip to Costa Rica. I've logged about 35 dives in the last year. I also am working on my Class A skydiving cert and have been doing more BJJ, shooting, and even started painting a little. I also have been doing a lot more traveling. We hit Japan a couple months ago with the kids, and we are doing Iceland with them in a couple months. I know some people have a hard time filling the time when they retire, but I could have 10 lifetimes and still not have enough time for all the things I want to do.

My Take Home Income By Year

2014 - 300K

2015 - 600K

2016 - 800K

2017 - 1.2 Million

2018 - 3 Million

2019 - 5.6 Million

2020 - 6 Million

2021 - 6 Million

2022 - 7.5 Million

2023 - 11 Million

2024 - Almost 15 Million so far

Current Assets/Net Worth (Around 38 Million)

Primary Residence (Paid Off) - $2.2 Million

Rental Property (Rent to Mother-in-Law for zero cash flow) - 650K in equity

Multi-Family Property (12 unit owned with some partners) - 1.2 Million in equity (my share)

Retirement Accounts/Taxable Accounts - $27.8 Million

Cash - $5.5 Million

Crypto (BTC/ETH/SOL/ADA) - 1 Million

Kids Assets/Net Worth (\~4.5 Million)

529 Accounts - 240K for each kid (frontloaded 5 years of gifts to them each)

Irrevocable Trust Brokerage Account/Real Estate - 4 Million

Happy to take questions about any aspect of my post and also answer DMs. If you DM me I'd be happy to share my email and contact information too.

40 Year Old Personal Injury Law - 38 million NW / 15 million + Annual Income - Here is my story / Taking ??s

We rented a car through Hertz this weekend and was charged a $500 cleaning fee for smoking. We do not smoke. The car slightly smelled like smoke when we picked it up so we notified the employee at the counter. He said it was just cleaned so there’s no problem. It was a super faint smell so we thought no big deal. Dropped it off today and got an emailed receipt with the surprise charge. After researching this exact scenario it sounds like Hertz does this and will not usually reverse the charge. It’s a sneaky thing- they say they had evidence but of course how could they prove or disprove a smell. 

What are my options? I’ll call Hertz tomorrow. Has anyone dealt with this before? 

What should we do? Rental car scam charges 

LinkedIn used to be a place where you could actually learn something, connect with real people, and have meaningful convos about work, growth, and business. But now? It’s like everyone’s just copy pasting their way to attention.

Remember when the content was, I don’t know, *authentic*? Now it’s **“5 tips for growth”** regurgitated by every wannabe influencer trying to farm likes from the same recycled advice. And don’t even get me started on the ChatGPT bros. Half the posts are AI generated fluff that’s trying to sound deep but is as shallow as a kiddie pool.

And what’s up with the fake personas? You scroll through profiles, and it’s like everyone’s a "guru" with a list of 100 skills they barely use. People overhype themselves so hard that they probably need a LinkedIn achievement badge just for being that shameless.

Then there’s the pitch fest. Every other connection is someone sliding into your DMs with a robotic “I’ll get you 100 calls a month” message that looks like it was written by a desperate bot. It’s like no one on LinkedIn knows how to *actually* connect with another human being anymore.

**Real conversations? Rare.**

**Longform content with actual value? Almost extinct.**

LinkedIn’s turned into a cringe fest of fake hustle and mindless engagement. Where are the real people at? Or have they all peaced out already?

It became a circus lately, especially with all this *build in public* stuff. Half the time, people aren’t building anything, they’re just flexing. It’s like, **“Look at me, hustling 24/7!”** but you know damn well it’s more about feeding their ego than actually showing the real grind.

They slap on a few motivational lines, toss in some fake vulnerability, and call it transparency. Nah, that’s just performative.

You see these posts : **“Today was tough, but I powered through. #grind #hustle.”** Like, really? That’s what building in public has come down to? Where’s the struggle? Where’s the mess? Instead, it’s just this polished, staged act where everyone’s trying to look perfect while pretending they’re giving you the raw, unfiltered truth.

**Spoiler: they’re not.**

And let’s talk about those engagement pods. You know, where they all get together and like each other’s posts to boost their numbers. It's basically LinkedIn’s version of a high school popularity contest. So you’ve got these generic posts about **“5 ways to grow your business”** suddenly blowing up, and you’re sitting there thinking, “Who’s actually reading this?” No one. But it looks good on their profile, right? Fake it till you make it, I guess.

The whole platform have became this place where everyone’s trying to outshine each other, but no one’s being real. The people actually grinding, actually *building* something legit, are drowned out by the noise of all these wannabe influencers. It’s less about building in public and more about performing in public for likes and comments.

**What’s your take on this???**

Why linkedin is sh*tty these days?

My mind is blown by how well I’ve done in the markets this year. How can I take my career seriously when I don’t enjoy it, and the money isn’t all that significant anymore compared to my investments? At 37, with a little over a million in my Robinhood account, I feel like I’m still far from retirement. The daily volatility of my investments is much higher than any 3% raise I might get at my day job.

I’m thinking I’d need around $4 million to retire comfortably in Chicago. I’m still single and have no kids, and I wonder how I would teach children the value of hard work if I were to retire now.

Has anyone else reached this point but still felt stuck working?

Made twice my day job salary in the stock market this year

last year my grandpa (85m) passed away, and he had a reverse mortgage on our home

we live in rhode island , it’s a single family in a nice quiet neighborhood, 3 bed 1 bathroom no basement, it’s estimated at $300k worth 

my family is extremely broke, we have been paying all of the bills and property taxes as well as visiting housing advisors but haven’t gotten a definite answer for what’s going to happen to the property next month if we don’t pay the $300k back to the company

i’m only 17, i don’t have any family or friends to stay with and i don’t know what’s going to happen to my mom or my brother. should i start packing my stuff now so it’s not taken during foreclosure?



Reverse Mortgage what’s happening

I am a high school student who lives in a extremely expensive area. 


I love History, geopolitics, writing, reading, and arguing with people. However none of these things have distinct jobs related to them that pay well that I can achieve. Sure, most of these things will be useful to any profession but they aren't valuable enough on their own to be paid well. 


I know their are some well paying jobs that relate to these things (economist, political scientist) that can pay well *if* you have extensive education like a doctorate and, *if* you are well connected. 


I neither have the means to pursue a masters or a doctorate nor am I well connected. 


No, I don't want to teach in any capacity. Not only are teachers or professors not paid enough but I just don't want to have to deal with students. I like arguing, that does not mean I like people. 


Similary I don't know how and have no desire to "network" to lie my way into a job I don't deserve. I would for example much rather talk about whether indonesia might become a superpower, or how the US navy can't design a new ships to save its life, then talk about what someone had for dinner last night. 


I'm not good with people, and because of that I obviously don't want to teach. And likewise don't want to network, because as stated above, I'm bad with people.


And so it come to my conclusion that the advice to follow your passions is a nice ideal, it doesn't necessarily work in the real world. Because if your passions don't pay enough then what does it matter? I can't see how I, or anyone can trade money or security over some nebulous concept of happiness.


I'm sorry if this is perhaps very blunt. Or if I come across as some jerk or entitled fool. 

I... I'm just at my ropes end here. I've looked high and low and yet I can't seem to find anything that would pay me well enough to live and also be something I could enjoy.

People say to find jobs your passionate about. What if your passion doesn't pay enough?

Am I financially wrecked?. In August 2023, I was laid off from an internal compliance position after getting IT Portfolio Systems up to compliance standards. It was my 3rd layoff in 5 years. From 2018-2023 I held 3 jobs paying 70k/yr in a LCOL area after working a job paying 18/hr for 6 years. Almost effectively doubling my income. Each time I have obtained these higher paying jobs, all have laid off within a little over a year. Two of these have been in materials analysis and research analytics while the 3rd was more IT Compliance related. I was given the excuse of budget cuts each time.
With the most recent layoff, it was much more difficult to find a job than I ever imagined. My resumes which normally land me interviews have obtained far fewer interviews and it was not until April that I was able to obtain a position at a local factory that produced parts and did research/testing on components. However this position pays 21/hr but if I stay long enough it will bump up to 24/hr. That is an income cut of HALF. 
In addition to that due to the labor market, and life events my savings were drained rather quickly. I also had to make the difficult decision to drain my IRA/401Ks as well. 25k in savings and 23k in IRA/401k was reduced to just barely over $5000 which right now I am holding in a HYSA and I rebuilt to over $9000. I did succeed in paying off a huge amount of debts which made sure my lower income exceeded expenses.

My Budget is as follows Electric-120 House Gas-50 Internet-40 Bank Loan #1- 140 at 10%apr $4900 remaining on loan Bank Loan #2- 90 at 10%apr 2700 remaining on loan CC #1 $3200 at 24%apr Cell-90 Car Gas-150 Groceries-250 Life Ins-50 Home Warranty-60 Car Ins-60

I recently bought a house with my gf and she takes home 1500 a month with her disability. We have a mortgage that she pays that is 840 a month at 2.8%apr.

I know I need to increase my income but with so many short term positions I fear I have screwed myself and was forced to become a "job hopper" with all of these layoffs. Other colleagues laid off with me are still job searching 12 or more months later! I want to get a new position with greater income but I am now afraid of being laid off in a year, without finding another position in a reasonable timeframe. I have lost so much with these layoffs I am unsure if this is a risk I can take. It likely doesn’t even matter anymore as my resumes don’t even get interviews anymore after rewriting them dozens of times. I am at over 2500 applications. 

I do not have the physical or mental health capacity to work 2 jobs at the same time.

The job I am working now though is bringing home $1250 every 2 weeks and with overtime, its up to $1600 which gives me a range of $2500-$3200 each month. Thankfully they are letting me work as much overtime as I want. They also have a 401k plan which I have enrolled.

I am also trying to get VA Disability Benefits from my heart attack some years ago during military service. Its a work in progress.
Anyone else been in a similar position? I am unsure of what I can do. I fear that withdrawing all my savings and IRA has probably destroyed me and with higher prices and cost of living its likely impossible to rebuild.

Financially Wrecked. Laid off 2x in 3 years. MASSIVE Income cut, cannot increase.

Started grad school like a month ago and now I’m scared it was a mistake

What’s your biggest career mistake?

8 yoe here. I feel like I'm losing the muscle memory and mental flows to program as efficiently as before LLM's. Anyone else feel similarly?

Is anyone here becoming a bit too dependent on llms?

Last year, I received a bill for $854 for a COVID test. The bill stated that my insurance had already sent a check for that amount and instructed me to send the check to them. However, I never received the check. When I contacted the insurance company, they confirmed they never received any bills from that lab and, therefore, never sent a payment. This company is no longer my insurance provider.

I reached out to the laboratory to explain the situation, but they never got back to me. Today, I was surprised to receive the same bill again, this time stamped with a "Final Notice."

I'm unsure of how to proceed. The insurance company insists they never received a bill or sent a payment, yet the lab is claiming otherwise. To add to the confusion, at that time, I was under my husband's insurance. We both took the COVID test, and he received a check for his bill, which was only $200, and he paid it. I never received a check in my name and don't know what to do next.

Lab Billing Nightmare: Charged for a Test They Never Sent to Insurance

Good morning everyone!!! I am so grateful to have hit 50k today on my stock account YAYYYY

For context, I've been working since I was 16 and I saved 80% of my checks 😭.  I am so happy!!

18f hit 50k today

I went to my dentist to get a cleaning/scaling to remove plaque from beneath my bottom wire retainer. They then told me I had gum disease and bone loss and pressured me into getting a deep cleaning & a laser treatment. Before I agreed to anything, they told me the estimated total started with 1,200$ and I told them I could not pay that. They then brought the bill down to 700$. I paid in full that day. My insurance is now telling me that the treatment I got was not necessary & I need to pay the dentist the extra 600$ because they are not covering it. 

They told me that dentists for insurance and dentists in their office think differently on what is needed and what is not needed & they are going to dispute that. No balance is on my account just yet because this just happened. 

 I told them that I thought I was only paying the 700$ because that is all I could afford & they told me that I signed a financial agreement stating that *if insurance does not cover, the patient will have to cover the rest*. I was told that 700$ was what’s left of what insurance was covering. 

Does anyone know how I can resolve/dispute this with my dentist? Or do I just have to pay the extra amount that the insurance is not covering? 

Did I get scammed by my dentist? 

I’m new to fire.

I understand the 4% formula, in simple terms if you have $2m invested you live off the $80k annual returns which accounts for tax and inflation and never run out of funds.

My question is do you ever eat into the $2m or does this nest egg just remain and get passed on?

It seems a bit crazy that we spend so much time and energy building the nest egg to just live off the returns and not touch the egg itself.

Do you actually spend your nest egg in the FIRE way of living?

My journey started back in November 2023.

I was scrolling through Twitter and YouTube and saw a word that I had never come across before. Solopreneur.

The word caught my eye. Mainly because I was pretty sure I knew what it meant even though it's not a word you'll find in the dictionary. I liked what it was describing. A solo entrepreneur. A one man business.

It completely resonated with me. As a software engineer by trade I'm used to working alone, especially since the pandemic hit and we were forced to work remotely.

See, I always wanted to ditch the 9-5 thing but thought that was too big and too scary for a single person to do. Surely you would need a lot of money to get started, right? Surely you would need investors? The whole concept seemed impossible to me.

That was until I found all the success stories. I became obsessed with the concept of solopreneurship. As I went further down the rabbit hole I found people like Justin Welsh, Kieran Drew and Marc Louvion to name a few. All of whom have one person businesses making huge money every year. So I thought, if they can do it, why can't I?

People like this have cleared the pathway for those looking to escape the 9-5 grind.

I decided 2024 would be the year I try this out. My main goal for the year? Build a one man business, earn my first $ online and learn a sh\*t ton along the way. My main goal in general? Build my business to $100K per year, quit my 9-5 and live with freedom.

From December 2023 to February 2024 I began brainstorming ideas. I was like a lost puppy looking for his ball. How on earth did people find good ideas? I began writing everything and anything that came to mind down in my notes app on my phone.

By February I would have approximately 70 ideas. Each as weird and whacky as the other.

I was skeptical though. If I went through all the trouble of building a product for one of these ideas how would I know if anyone would even be interested in using it?

I got scared and took a break for a week. All these ideas seemed too big and the chance that they would take off into the atmosphere was slim (in my mind anyways).

I was learning more and more about solopreneurship as the weeks went on so I decided to build a product centered around everything I was learning about. The idea was simple. Enter a business idea and use AI to give the user details about how to market it, who their target customers were, what to write on their landing page, etc. All for a measly $27 per use.

I quickly built it and launched on March 3rd 2024.

I posted about it on Indie Hackers, Reddit and Hacker News. I was so excited about the prospect of earning my first internet $! Surely everyone wanted to use my product! Nope...all I got was crickets.

I was quickly brought back down to earth.

That was until 5 days later. I looked at my phone and had a new Stripe notification! Cha-ching! My first internet $. What a feeling!

That was goal number 1 complete.

It would be another 6 days before I would get my second sale...and then another 15 days to get my third. It was an emotional rollercoaster. I went from feeling like quitting the 9-5 was actually possible to thinking that maybe the ups and downs aren't worth it.

On one hand I had made my first internet dollar so I should my ecstatic, and don't get me wrong, I was but I wanted more. More validation that I could do this long term.

By May I was starting to give up on the product. I had learned so much in the past few months about marketing, SEO, building an audience, etc. and I wanted to build something that I thought could have more success so I focused on one critical thing that I had learned about.

What was it?

Building a product that had SEO potential.

A product that I knew hundreds of people were looking for.

See this was my thinking - If I could find a keyword that people were searching for on Google hundreds/thousands of times every month and it was easy to rank high on search engines then I would go all in (in SEO land this equates to a Keyword that has a Keyword Difficulty of <= 29 and an Average Search Volume of >= 500).

I began researching and found that the keyword "micro saas ideas" was being searched for around 600 times each month. Micro Saas was something that really interested me. It was perfect for solopreneurs. Small software products that 1 person could build. What's not to like if you're in the game of software and solopreneurship?

Researching keywords like this became like a game for me. I was hooked. I was doing it every day, finding gems that were being searched for hundreds and thousands of times every month that still had potential. That's when I came up with my next product idea.

I decided to create a database of Micro Saas Ideas all with this sort of SEO potential.

See if you can build a product that you know people are looking for then that's all the validation you need.

So I put this theory to the test. I created a database of Micro Saas Ideas with SEO Potential and launched it in June 2024.

This time it was different. I made $700 in the first week of launching. A large contrast to my previous failed attempt at becoming the worlds greatest solopreneur.

Since launch I have grown the product to $3K and I couldn't be happier.

I know what you're saying, $3K isn't a lot. But it's validation. It's validation that I can earn $ online. Validation that I can grow a business and it gives me hope that one day I'll be able to quit that 9-5 grind.

My plan is to keep growing the business. I expect there to be a few challenges up ahead but I'll tackle them as I go and learn from the failures and successes.

I have a newsletter where I share Micro Saas Ideas with SEO potential every week which I'll leave below in the first comment. Feel free to come along for the ride. If not I hope this post brings you some value

If you're thinking about starting as a solopreneur, stop thinking and start doing, you won't regret it.

How I went from $27 to $3K as a solopreneur still in a 9-5

I've been wondering about the various metrics that might be used to classify a developer as 'senior'. From my perspective, several factors come into play:

1. Industry experience: The number of years one has been working in software development.
2. Breadth of technical knowledge: Familiarity with a wide range of technologies and tech stacks.
3. Soft skills: The ability to communicate effectively, especially with non-technical stakeholders, and navigate complex interpersonal situations.
4. Specialized expertise: Deep, focused knowledge in specific technologies or frameworks.

I'm certain there are additional factors to consider. I'm curious to hear others' opinions on this topic. What do you value most when assessing your own seniority or that of your peers? Which qualities do you believe are most crucial in earning the title of 'senior developer'?

I'm particularly interested in understanding how different individuals and organizations weigh these factors. Is it primarily about technical prowess, or do soft skills play an equally important role? How much does the length of career factor into this assessment?

What makes a senior developer?

I’m from Russia, where I was a political activist and the owner and lead programmer of a software development team specializing in augmented and virtual reality, gaming, and AI. I never had any problems with customers because everyone knew who I was.

After the war started, I was arrested for organizing the first political action against it. Following that, I immediately closed my company in Russia, canceled all contracts, and stated that I wouldn’t work with any Russians until the war was over. Then, I moved to Israel.

Thanks to my old connections, I easily found three new projects in Israel, Italy, and the USA, and I worked on them for about two years. The projects in Israel and Italy were completed, but the company in the USA lost its investors, so that project was halted.

That was May. Since then, I’ve been trying to find new contracts, but without success. Whenever I participate in events and try to talk to people afterward, I feel invisible; they just don’t pay attention. Several recent leads have disappeared like ghosts, leaving me confused about why.

Maybe I don’t have enough connections abroad, or perhaps I’ve become too old and uninteresting to anyone.

Honestly, I have no idea what to do next. I possess a wealth of skills and knowledge in software development and project management, yet it feels like my only option is to work as a street cleaner. I also have strong skills in marketing and sales (ha-ha-ha), as they were a part of my business processes, but that doesn’t seem to help.

I can’t share this on my Facebook or other platforms because, as you know, you need to appear successful; nobody wants to work with losers. So, I’m writing this here, where no one knows me.

I just don’t know what to do anymore.

P.S. After I wrote this, I remembered I have some leads, like a Swiss company for virtual reality and a medical organization from Singapore. But, you know, having leads and securing a contract are two different things. At this moment, I’m feeling pretty low.

I’m so fucking tired

Learn about the Chase Sapphire Preferred card’s limited time sign-up bonus and understand the impact of Federal Reserve interest rate changes.What is the economic impact of lowering interest rates? Does lowering interest rates increase people’s spending power? Host Sean Pyles leads discussions around the Chase Sapphire Preferred card and the Federal Reserve's interest rate adjustments to help you understand how to optimize travel rewards and navigate economic shifts. Travel Nerds Sally French and Meghan Coyle start the episode with a discussion of a limited time sign-up bonus for the Chase Sapphire Preferred card, offering tips and tricks on integrating the card into a long-term financial strategy.Then, NerdWallet's Senior Economist Elizabeth Renter joins Sean to discuss the impact of lowering interest rates. They delve into how the Federal Reserve uses interest rate changes to manage inflation and employment, how changing rates can stimulate economic growth, and the implications of recent Federal Reserve rate cuts on the broader economy.Use NerdWallet’s free tool to compare mortgage rates: https://www.nerdwallet.com/mortgages/mortgage-rates In their conversation, the Nerds discuss: travel rewards, Chase travel portal, interest rate impact, Federal Reserve, economic growth, credit card sign-up bonuses, credit card offers, inflation control, student loan rates, mortgage interest rates, Chase Ultimate Rewards, travel credit cards, Federal Reserve rate cuts, economic trends, credit card bonuses, travel statement credits, Chase travel credits, rewards points, and the impact of lowering interest rates.To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.Like what you hear? Please leave us a review and tell a friend.

Learn about the Chase Sapphire Preferred card’s limited time sign-up bonus and understand the impact of Federal Reserve interest rate changes. What is the economic impact of lowering interest rates? Does lowering interest rates increase people’s spending power? Host Sean Pyles leads discussions around the Chase Sapphire Preferred card and the Federal Reserve&#39;s interest rate adjustments to help you understand how to optimize travel rewards and navigate economic shifts. Travel Nerds Sally French and Meghan Coyle start the episode with a discussion of a limited time sign-up bonus for the Chase Sapphire Preferred card, offering tips and tricks on integrating the card into a long-term financial strategy. Then, NerdWallet&#39;s Senior Economist Elizabeth Renter joins Sean to discuss the impact of lowering interest rates. They delve into how the Federal Reserve uses interest rate changes to manage inflation and employment, how changing rates can stimulate economic growth, and the implications of recent Federal Reserve rate cuts on the broader economy. Use NerdWallet’s free tool to compare mortgage rates: <a href="https://www.nerdwallet.com/mortgages/mortgage-rates" rel="nofollow">https://www.nerdwallet.com/mortgages/mortgage-rates</a>  In their conversation, the Nerds discuss: travel rewards, Chase travel portal, interest rate impact, Federal Reserve, economic growth, credit card sign-up bonuses, credit card offers, inflation control, student loan rates, mortgage interest rates, Chase Ultimate Rewards, travel credit cards, Federal Reserve rate cuts, economic trends, credit card bonuses, travel statement credits, Chase travel credits, rewards points, and the impact of lowering interest rates. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email <a href="mailto:podcast&#64;nerdwallet.com" rel="nofollow">podcast&#64;nerdwallet.com</a>. Like what you hear? Please leave us a review and tell a friend.

How to Make The Fed’s Interest Rate Cut Work for You

In today’s episode, Shawn O’Malley (@Shawn_OMalley_) breaks down the energy drink company Monster Beverage, which you may be surprised to learn has been one of the best-performing stocks of the last few decades. You’ll learn about how Monster got its start almost one hundred years ago and how it took on a new identity in the early 2000s, how Monster Energy changed the beverage market, why Monster’s stock has done so incredibly well, how Monster is fending off the competition and its plan for continuing to compound excellent returns, why Monster’s relationship with Coca-Cola is such a strategic advantage, how to think about valuing Monster Beverage, plus so much more!  Prefer to watch? Click here to watch this episode on YouTube.  IN THIS EPISODE, YOU’LL LEARN 00:00 - Intro 02:22 - How Monster Beverage got its start almost a century ago 04:49 - How a single product completely changed Monster Beverage’s trajectory as a company 06:30 - Why Monster has delivered such exceptional returns 08:34 - Why Coca-Cola invested in Monster and how that partnership is still helping Monster to this day 10:08 - What the energy drink market looks like today and how competition threatens Monster 20:53 - What investors can learn from doing a case study on Monster 23:53 - Which challenges could weigh on Monster the most going forward 30:09 - Whether Shawn thinks the stock offers good value  And much, much more!  *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.  BOOKS AND RESOURCES  Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members.  Monster’s latest annual 10k filing.  Monster Energy’s website.  Check out the books mentioned in the podcast here.  Enjoy ad-free episodes when you subscribe to our Premium Feed.   NEW TO THE SHOW?  Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok.  Check out our Millennial Investing Starter Packs.  Browse through all our episodes (complete with transcripts) here.  Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance.  Enjoy exclusive perks from our favorite Apps and Services.  Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.   Learn how to better start, manage, and grow your business with the best business podcasts.   SPONSORS Support our free podcast by supporting our sponsors:  Toyota  Facet  Fundrise  Public  Bluehost  Airbnb  NetSuite   Connect with Shawn: Twitter | LinkedIn | Email  Help us reach new listeners by leaving us a rating and review on Spotify! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

In today’s episode, Shawn O’Malley (<a href="https://x.com/Shawn_OMalley_" rel="nofollow">&#64;Shawn_OMalley_</a>) breaks down the energy drink company Monster Beverage, which you may be surprised to learn has been one of the best-performing stocks of the last few decades.You’ll learn about how Monster got its start almost one hundred years ago and how it took on a new identity in the early 2000s, how Monster Energy changed the beverage market, why Monster’s stock has done so incredibly well, how Monster is fending off the competition and its plan for continuing to compound excellent returns, why Monster’s relationship with Coca-Cola is such a strategic advantage, how to think about valuing Monster Beverage, plus so much more! Prefer to watch? Click <a href="https://youtu.be/ENU4k1eTNJM" rel="nofollow">here</a> to watch this episode on YouTube. IN THIS EPISODE, YOU’LL LEARN00:00 - Intro02:22 - How Monster Beverage got its start almost a century ago04:49 - How a single product completely changed Monster Beverage’s trajectory as a company06:30 - Why Monster has delivered such exceptional returns08:34 - Why Coca-Cola invested in Monster and how that partnership is still helping Monster to this day10:08 - What the energy drink market looks like today and how competition threatens Monster20:53 - What investors can learn from doing a case study on Monster23:53 - Which challenges could weigh on Monster the most going forward30:09 - Whether Shawn thinks the stock offers good value And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES<ul><li>Join the exclusive <a href="https://www.theinvestorspodcast.com/mastermind" rel="nofollow">TIP Mastermind Community</a> to engage in meaningful stock investing discussions with Kyle and the other community members.</li><li>Monster’s latest annual 10k <a href="https://investors.monsterbevcorp.com/static-files/4634293b-bdda-43f8-9cc5-ddca58ecf08b" rel="nofollow">filing</a>.</li><li>Monster Energy’s <a href="https://www.monsterenergy.com/en-us/" rel="nofollow">website</a>.</li><li>Check out the books mentioned in the podcast <a href="https://prodcast.io/mi" rel="nofollow">here</a>.</li><li>Enjoy ad-free episodes when you subscribe to our <a href="https://premium.theinvestorspodcast.com/" rel="nofollow">Premium Feed</a>.</li></ul> NEW TO THE SHOW?<ul><li>Follow our official social media accounts: <a href="https://twitter.com/TIP_Network" rel="nofollow">X (Twitter)</a> | <a href="https://www.linkedin.com/company/the-investor&#39;s-podcast/" rel="nofollow">LinkedIn</a> | <a href="https://www.instagram.com/theinvestorspodcastnetwork/" rel="nofollow">Instagram</a> | <a href="https://www.facebook.com/TheInvestorsPodcast" rel="nofollow">Facebook</a> | <a href="https://www.tiktok.com/&#64;theinvestorspodcast" rel="nofollow">TikTok</a>.</li><li>Check out our <a href="https://www.theinvestorspodcast.com/mi-starter-packs/" rel="nofollow">Millennial Investing Starter Packs</a>.</li><li>Browse through all our episodes (complete with transcripts) <a href="https://www.theinvestorspodcast.com/millennial-investing/" rel="nofollow">here</a>.</li><li>Try Kyle&#39;s favorite tool for picking stock winners and managing our portfolios: <a href="https://www.theinvestorspodcast.com/tip-finance/" rel="nofollow">TIP Finance</a>.</li><li>Enjoy exclusive perks from our <a href="https://www.theinvestorspodcast.com/affiliates/" rel="nofollow">favorite Apps and Services</a>.</li><li>Stay up-to-date on financial markets and investing strategies through our daily newsletter, <a href="https://www.theinvestorspodcast.com/newsletters/" rel="nofollow">We Study Markets</a>. </li><li>Learn how to better start, manage, and grow your business with the <a href="https://www.theinvestorspodcast.com/podcasts/20-best-business-podcasts/" rel="nofollow">best business podcasts</a>.</li></ul> SPONSORSSupport our free podcast by supporting our <a href="https://theinvestorspodcast.com/sponsors" rel="nofollow">sponsors</a>:<ul><li><a href="https://buyatoyota.com/" rel="nofollow">Toyota</a></li><li><a href="https://facet.com/" rel="nofollow">Facet</a></li><li><a href="https://fundrise.com/WSB" rel="nofollow">Fundrise</a></li><li><a href="https://public.com/" rel="nofollow">Public</a></li><li><a href="https://bluehost.com/" rel="nofollow">Bluehost</a></li><li><a href="https://airbnb.com/host" rel="nofollow">Airbnb</a></li><li><a href="https://netsuite.com/mi" rel="nofollow">NetSuite</a></li></ul> Connect with Shawn: <a href="https://x.com/Shawn_OMalley_" rel="nofollow">Twitter</a> | <a href="https://www.linkedin.com/in/shawn-omalley/" rel="nofollow">LinkedIn</a> | <a href="mailto:shawn&#64;theinvestorspodcast.com" rel="nofollow">Email</a> Help us reach new listeners by leaving us a <a href="https://docs.google.com/presentation/d/1yJtgkwxTcMYZsdcbpjDYsnWh9tEGJWN-o_zEXbIbfKI/edit#slide&#61;id.p" rel="nofollow">rating and review</a> on <a href="https://open.spotify.com/show/7dnn22EWyo6MLsPaR492BM" rel="nofollow">Spotify</a>! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices" rel="nofollow">megaphone.fm/adchoices</a>Support our show by becoming a premium member! <a href="https://theinvestorspodcastnetwork.supportingcast.fm" rel="nofollow">https://theinvestorspodcastnetwork.supportingcast.fm</a>

MI373: Valuing the Best Stock of the Last Three Decades w/ Shawn O'Malley

In this episode: building muscle for health, sacropenia, consistency and proper form, routines, and recovery.  This episode is a deep dive into muscle-building strategies, with actionable advice for beginners and experienced fitness enthusiasts alike. Brad and Dean Turner share practical tips on workout programming, nutrition, and recovery, making it a perfect masterclass for anyone looking to improve their health and strength. Dean Turner:  Website: deanturnertraining.com Twitter: @DeanTTraining   🔑 Key Themes Discussed:  The importance of building muscle for health, longevity, and independence in later life Overcoming age-related muscle loss (sarcopenia) through resistance training Simplifying muscle-building techniques for beginners and experienced individuals The role of proper form, progressive overload, and consistency in muscle growth Common misconceptions about muscle growth and the science behind it Customizing workout routines based on individual schedules and goals The importance of recovery, rest, and nutrition in maximizing gains Practical advice on workout programming and exercise selection  🕒 Chapters:  00:00 – Introduction: The Importance of Muscle Building 02:00 – Age-Related Muscle Loss and Why Muscle Matters 06:00 – Customizing Workouts: 3-Day vs. 5-Day Programs 09:00 – Exercise Selection: Upper/Lower Body, Push/Pull 13:00 – How Muscle Growth Actually Works: The Science Explained 18:00 – Importance of Progressive Overload and Rep Ranges 22:00 – Common Workout Mistakes and How to Avoid Them 27:00 – Listener Questions: Setting Goals for Muscle Growth 33:00 – Understanding Rest Times and Recovery 40:00 – Importance of Nutrition: Protein and Macronutrients 45:00 – Creating a Sustainable Workout Routine 51:00 – Final Tips: Staying Consistent and Tracking Progress   🔗 Mentioned Links and Resources:  Update: Healthiest Year Ever | Dean Turner | ChooseFI Ep 480 “The Simple Path to Wealth: Your road map to financial independence and a rich, free life” by J.L. Collins Hevy Subscribe to The FI Weekly!  More Helpful Links and FI Resources:  Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile 

In this episode: building muscle for health, sacropenia, consistency and proper form, routines, and recovery. This episode is a deep dive into muscle-building strategies, with actionable advice for beginners and experienced fitness enthusiasts alike. Brad and Dean Turner share practical tips on workout programming, nutrition, and recovery, making it a perfect masterclass for anyone looking to improve their health and strength. <h2>Dean Turner:</h2> <ul><li>Website: <a href="https://www.deanturnertraining.com/" rel="nofollow">deanturnertraining.com</a></li><li>Twitter: <a href="https://x.com/DeanTTraining?ref_src&#61;twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor" rel="nofollow">&#64;DeanTTraining</a></li></ul> <h2> &#x1f511; Key Themes Discussed:</h2> <ul><li>The importance of building muscle for health, longevity, and independence in later life</li><li>Overcoming age-related muscle loss (sarcopenia) through resistance training</li><li>Simplifying muscle-building techniques for beginners and experienced individuals</li><li>The role of proper form, progressive overload, and consistency in muscle growth</li><li>Common misconceptions about muscle growth and the science behind it</li><li>Customizing workout routines based on individual schedules and goals</li><li>The importance of recovery, rest, and nutrition in maximizing gains</li><li>Practical advice on workout programming and exercise selection</li></ul> <h2>&#x1f552; Chapters:</h2> <ul><li>00:00 – Introduction: The Importance of Muscle Building</li><li>02:00 – Age-Related Muscle Loss and Why Muscle Matters</li><li>06:00 – Customizing Workouts: 3-Day vs. 5-Day Programs</li><li>09:00 – Exercise Selection: Upper/Lower Body, Push/Pull</li><li>13:00 – How Muscle Growth Actually Works: The Science Explained</li><li>18:00 – Importance of Progressive Overload and Rep Ranges</li><li>22:00 – Common Workout Mistakes and How to Avoid Them</li><li>27:00 – Listener Questions: Setting Goals for Muscle Growth</li><li>33:00 – Understanding Rest Times and Recovery</li><li>40:00 – Importance of Nutrition: Protein and Macronutrients</li><li>45:00 – Creating a Sustainable Workout Routine</li><li>51:00 – Final Tips: Staying Consistent and Tracking Progress</li></ul> <h2> &#x1f517; Mentioned Links and Resources:</h2> <ul><li><a href="https://www.choosefi.com/update-healthiest-year-ever-dean-turner-ep-480/" rel="nofollow">Update: Healthiest Year Ever | Dean Turner | ChooseFI Ep 480</a></li><li><a href="https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926" rel="nofollow">“The Simple Path to Wealth: Your road map to financial independence and a rich, free life” by J.L. Collins</a></li><li><a href="https://www.hevyapp.com/" rel="nofollow">Hevy</a></li><li><a href="https://www.choosefi.com/read/newsletter/" rel="nofollow">Subscribe to The FI Weekly!</a></li></ul> <h2>More Helpful Links and FI Resources:</h2> <ul><li><a href="https://www.choosefi.com/top-recommended-travel-cards/" rel="nofollow">Top 10 Recommended Travel Rewards Credit Cards</a></li><li><a href="https://www.choosefi.com/pc" rel="nofollow">Empower: Free Dashboard to Track Your Finances</a></li><li><a href="https://www.choosefi.com/CIT_PS" rel="nofollow">CIT Bank Platinum Savings Account</a></li><li><a href="https://www.choosefi.com/M1signup" rel="nofollow">M1 Finance: Commission-Free Investing, 1-click rebalancing</a></li><li><a href="https://my.cashfreely.net/share?bref&#61;cfw" rel="nofollow">CashFreely: Maximize Your Cash Back Rewards</a></li><li><a href="https://my.travelfreely.net/share?bref&#61;cfw" rel="nofollow">Travel Freely: Track all your rewards cards and points</a></li><li><a href="https://www.choosefi.com/legacybinder-blog" rel="nofollow">Emergency Binder: For Your Family’s Essential Info</a> (code ‘CHOOSEFI’ for 20% off)</li><li><a href="https://www.choosefi.com/studentloanplanner" rel="nofollow">Student Loan Planner: Custom Consult</a> (with $100 Discount)</li><li>Get a cheaper phone plan with <a href="https://www.choosefi.com/mint-mobile-review/" rel="nofollow">Mint Mobile</a></li></ul>

516 | Masterclass on Muscle Building | Dean Turner

Quint and Daniel talk about some real estate best practices.

Quint and Daniel talk about some real estate best practices.

Selling Rental Property

Big tech stocks have had an enormous impact on the stock market, with Magnificent 7 companies like Apple, Microsoft and Nvidia now dominating equity indices and basically dictating the path of benchmark returns. And of course, there's been loads of discussion about the real transformational value of AI and whether it's all going to end up being one big bubble. But tech investing and big disruptive trends like AI aren't just for equity investors. They're playing out in the credit market, too. And of course, building the data centers and producing the chips that power AI requires huge amounts of capital — much of which is sourced via bonds and loans. Increasingly, a lot of that capital is coming from private credit players, one of the biggest of which is Apollo Global Management. In this episode, we speak with Rob Bittencourt, a partner at Apollo and co-head of opportunistic credit, about how the tech story is playing out and what Apollo is doing in the space.Read More: Private Credit to Outperform in a Downturn, Apollo’s Zelter SaysOnly Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at bloomberg.com/subscriptions/oddlotsSee omnystudio.com/listener for privacy information.

Big tech stocks have had an enormous impact on the stock market, with Magnificent 7 companies like Apple, Microsoft and Nvidia now dominating equity indices and basically dictating the path of benchmark returns. And of course, there&#39;s been loads of discussion about the real transformational value of AI and whether it&#39;s all going to end up being one big bubble. But tech investing and big disruptive trends like AI aren&#39;t just for equity investors. They&#39;re playing out in the credit market, too. And of course, building the data centers and producing the chips that power AI requires huge amounts of capital — much of which is sourced via bonds and loans. Increasingly, a lot of that capital is coming from private credit players, one of the biggest of which is Apollo Global Management. In this episode, we speak with Rob Bittencourt, a partner at Apollo and co-head of opportunistic credit, about how the tech story is playing out and what Apollo is doing in the space. Read More: <a href="https://bloom.bg/3U4ZJOa" rel="nofollow">Private Credit to Outperform in a Downturn, Apollo’s Zelter Says</a> Only Bloomberg.com subscribers can get the Odd Lots newsletter in their inbox — now delivered every weekday — plus unlimited access to the site and app. Subscribe at <a href="https://www.bloomberg.com/subscriptions/oddlots?in_source&#61;oddlotspodcast" rel="nofollow">bloomberg.com/subscriptions/oddlots</a> See <a href="https://omnystudio.com/listener" rel="nofollow">omnystudio.com/listener</a> for privacy information.

Apollo Explains How Big Tech Is Disrupting Credit Markets

"How do I know when I’m at the boiling point for investing?" We get that question all the time - so let's  walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

&#34;How do I know when I’m at the boiling point for investing?&#34; We get that question all the time - so let&#39;s walk you through that question and more in today&#39;s Q&amp;A episode! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a> Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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