iiinova — where your digital self keeps evolving

Reposted by Max Worth | Personal Finance

Barack Obama @barackobama.bsky.social · 19/06/2025

On Juneteenth, we celebrate freedom and recommit ourselves to the work that remains undone. We remember that even in the darkest hours, there is cause to hope for tomorrow’s light.

625379057392

Reposted by Max Worth | Personal Finance

Kurt S. Altrichter, CRPS® @kurtsaltrichter.bsky.social · 07/04/2025

How the S&P 500 circuit breakers work. Might be a good reference for tomorrow.

031

Reposted by Max Worth | Personal Finance

Jon Cooper @joncooper-us.bsky.social · 08/04/2025

751473495

Max Worth | Personal Finance @maxworthtips.bsky.social · 08/04/2025

59% of Americans can’t cover a $1,000 emergency—down from 44% last year. Most turn to credit cards or loans, a risky move in today’s high-rate economy. Inflation’s bite is real. Build that emergency fund before life hits. #EmergencySavings #Finsky #personalfinance

230

Max Worth | Personal Finance @maxworthtips.bsky.social · 08/04/2025

The day we start seeing money as not a tool to buy a lot of stuff (basics excluded) but a way t be truly free and independent (take a leave for a month, vacation for a week anywhere in the world). We will automatically make better financial decisions

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 07/04/2025

Market swings got you dizzy? Remember, panic selling locks in losses. Stick to your long-term plan and keep investing in diversified, low-cost index funds. Patience pays! #InvestingWisely #StayTheCourse

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 07/04/2025

Trade war headlines = 🔥 But you don’t need to play the chaos. Play the macro trend: 📈 Rising inflation 📉 Slower growth 🛡️ Safer sectors, smarter moves Tariffs are the storm. You’re the umbrella ☂️

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 06/04/2025

Every time tariffs spike, a portfolio cries. But not yours— Because you: ✅ Rebalanced for inflation ✅ Cut risky overexposure ✅ Held through the noise Investing is 80% mindset, 20% moves. 🧘‍♂️📊

110

Max Worth | Personal Finance @maxworthtips.bsky.social · 06/04/2025

When tariffs go up, markets get jumpy. But instead of panic-selling, zoom out. 🧠 Think: 1. U.S.-centric ETFs 2. Dividend stocks 3. Inflation hedges

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 06/04/2025

High tariffs = high prices High prices = high inflation High inflation = Fed says “LOL no rate cuts” 👀 Translation: stocks stay shaky ➡️ ETF and CHILL The real flex? Long-term conviction.

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 04/04/2025

America will learn a very expensive lesson: A country cannot be run like a business and definitely not by somone who filed for 7 bankruptcies. #powell #recession

030

Max Worth | Personal Finance @maxworthtips.bsky.social · 04/04/2025

Anyone here using lovable for building projects?

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 04/04/2025

Biden achieved a soft landing. People forget that this was deemed almost impossible but Biden and Powell did it. I hate the fact that misinformation has taken over so much that we can’t see simple truths.

020

Max Worth | Personal Finance @maxworthtips.bsky.social · 03/04/2025

Well I’ll say it, today was a shit day for anyone who has any investments in the public markets. That’s 70% of America

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 03/04/2025

Siri is possibly the worst virtual assistants out there. They got to partner up with open ai or something to improve whatever they are doing

030

Reposted by Max Worth | Personal Finance

Mark Cuban @mcuban.bsky.social · 01/04/2025

File your taxes using IRS Direct File, a free, secure, accurate and accessible product from the IRS. It is available in 25 states and allows you to import your tax information, like your W-2, directly from the IRS. Visit DirectFile.irs.gov to check eligibility and learn more.

directfile.irs.gov

736191154628

Max Worth | Personal Finance @maxworthtips.bsky.social · 01/04/2025

PSA: please do not join paid groups from fake gurus that tell you they’ll make you rich with fail stock tips. If it worked they wouldn’t be doing this, would they?

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 30/03/2025

❗ Savings Tip ❗ Did you know a library card can unlock a world of free resources? Most library cards are FREE for residents, offering access to books, audiobooks, eBooks, music, movies, and more! #LibraryCard #FreeResources #finsky #personalfinance

140

Max Worth | Personal Finance @maxworthtips.bsky.social · 30/03/2025

Need help with taxes but don't want to DIY? You can hire a professional for as low as $50! Don't stress about filing; let an expert handle it for you. Save time and ensure accuracy with affordable tax services #TaxHelp #AffordableTaxes

010

Reposted by Max Worth | Personal Finance

Peter Morley ♿️ @petermorley.bsky.social · 28/03/2025

🚨FOR YOUR SOCIAL SECURITY RECORDS, sign into your account & DOWNLOAD: 1) Your Statement 2) Your Benefit Verification Letter 3) Your Tax Form from SSA 4) Your Earnings Record. ALSO take a Snapshot of your Benefits & Payments which shows the DATE/AMOUNT of your NEXT PAYMENT (DO THIS PART 1x MONTH).🚨

56849461

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

"A car payment is just a fact of life." No, it’s a choice. Buying used, avoiding unnecessary upgrades, and paying in cash (if possible) can save thousands. Don’t get trapped in an endless cycle of car debt. 🚗💰

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

Credit cards are bad—cut them up!" No, misusing credit cards is bad. Used wisely, they build credit, offer rewards, and protect your purchases. The key? Pay in full, every time. 💳✅ #finsky #personalfinance

000

Reposted by Max Worth | Personal Finance

Louisa @louisathelast.bsky.social · 28/03/2025

Owning a house is great except for the part where you just keep pouring money into keeping it livable

2934313

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

Renting is throwing money away." Nope. Renting = flexibility + no maintenance costs. Buying only makes sense if you stay long enough to offset closing costs & interest. Don’t rush into a mortgage because of bad advice. #finsky

020

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

"Always pay off your mortgage ASAP." Not always! If your mortgage rate is low, investing that extra cash could yield higher returns. Do the math before rushing to be mortgage-free. #finsky #personalfinance

020

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

Master the 'big 3' savings zones: Housing – Consider refinancing or negotiating rent. Transportation – Drive used, not new. Food – Meal plan, cook at home, limit takeout. Fix these, and your budget wins. #MoneyManagement #SavingMoney

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

Common investing mistake: Chasing 'hot' stocks. If you invested $1,000 in Zoom at its peak (Oct 2020), you’d have ~$250 today. Instead, stick to index funds (like VOO or VTI) for long-term, steady growth. 📊 #InvestSmart #StockMarket

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 28/03/2025

"Invest only when you have a lot of money." Wrong! Time in the market beats timing the market. Even $50/month in an index fund compounds over time. Start small, and stay consistent. #finsky #personalfinance

120

Max Worth | Personal Finance @maxworthtips.bsky.social · 27/03/2025

Working out of a really cool coffee shop today. $5.75 for coffee seems expensive but it’s a treat to myself as I work from home and don’t have much interaction if I don’t go out

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 25/03/2025

Common mistake: Ignoring fees. A 1% annual fee on a $100,000 investment costs ~$28,000 over 20 years. Look for low-fee options like: ✅ VOO (0.03% fee) ✅ VTI (0.03% fee) Fees quietly eat your wealth. #InvestSmart #MoneyTip

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 24/03/2025

23&Me just filed for bankruptcy. I loved their tests. It was a great Christmas gift #23&me

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 23/03/2025

Your emergency fund isn’t for vacations. It’s for job loss, medical bills, or the unexpected. 3-6 months of expenses = peace of mind. #EmergencyFund #FinancialSecurity

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 23/03/2025

STOP flexing with: ❌ Expensive cars ❌ Designer clothes ❌ Lavish vacations START flexing with: ✅ Debt-free living ✅ Growing investments ✅ Time freedom Wealth is quiet. #MoneyHabits #FinancialFreedom

011

Max Worth | Personal Finance @maxworthtips.bsky.social · 22/03/2025

If you're 25 and invest $500/month: At 8% annual returns: By 35: $91K By 45: $277K By 55: $678K By 65: $1.6M The best time to start was yesterday. The second-best time is now. 📊 #Investing #CompoundInterest

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 22/03/2025

A 700+ credit score won't make you rich. But it can: ✅ Lower your interest rates ✅ Get you better credit cards ✅ Save you thousands over time Treat your credit score like an asset. #CreditScore #MoneyTips

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 21/03/2025

💻 File Your Taxes for FREE 1️⃣ Direct File (IRS) – Free for eligible taxpayers in 25 states. W-2s, Social Security, & income < $200K. No itemized deductions or gig work. 2️⃣ IRS Free File – For AGI ≤ $84K, available in all states via partners like FreeTaxUSA. #TaxSeason #FreeFiling

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 21/03/2025

Got a high-deductible health plan? Consider an HSA for tax-free savings! 2024 limits: $4,150 (Individual) and $8,300 (Family). Example: Earn $60K? Contribute $4K to your HSA, reducing taxable income to $56K and lowering your tax bill. HSA funds grow tax-free and cover medical expenses. 💰

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 21/03/2025

“Subscription Creep” Costs $1,600/Year Avg household has 12 paid subs (C+R Research). Fix it: 1️⃣ Audit subs → Cancel 3+ you barely use 2️⃣ Share accounts (Netflix/Hulu with family) 3️⃣ Ask for retention deals (threaten to cancel!) #Budgeting #finsky

011

Max Worth | Personal Finance @maxworthtips.bsky.social · 20/03/2025

⏳ The 24-Hr Rule to Stop Impulse Buys ⏳ Most people regret purchases. Next time: 1️⃣ Wait 24 hrs → Talk yourself out of it. 2️⃣ Ask: “Do I own something similar?” 3️⃣ Check Rakuten for coupons/cashback first. Pro Tip: Delete shopping apps. Out of sight, out of budget! ✂️ #SaveMoney #SelfControl

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 20/03/2025

Here's a table to organize the key tax documents for 2025 (filing your 2024 return): #tax #taxseason

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 19/03/2025

🚨 Tax Mistake Costing You Money 🚨 $10k gain: Taxable account: Pay 15-20% tax → 8K−8.5K profit 😣 Roth IRA: Keep $10K tax-free 🎉 Fix It: 1️⃣ Max 401k/IRA/HSA first. 2️⃣ Hold stocks >1yr for lower tax rates. 3️⃣ Tax-loss harvesting: Offset gains with losses (save $3K/year). #Taxes #Investing

020

Max Worth | Personal Finance @maxworthtips.bsky.social · 19/03/2025

🚨 Auto Loans Overtake Student Debt 🚨 📊New Data: Auto Loans: $1.64 TRILLION Student Loans: $1.61 TRILLION 💸Monthly Burden: New Car Payment: $737 Avg Student Loan Payment: $277 Why it matters: Rising car prices + 7%+ loan rates = debt trap. Tip: Refinance auto loans or buy used

010

Max Worth | Personal Finance @maxworthtips.bsky.social · 19/03/2025

💳 Credit Card Debt? 💳 Avg APR: 24.66% 😣 $6k debt? Pay 120/month∗∗:12+YEARS+∗∗120/month∗∗:12+YEARS+∗∗5,300 interest 😱 Pay 500/month∗∗:13MONTHS+∗∗500/month∗∗:13MONTHS+∗∗670 interest (Save $4,630! 🎉) #DebtFree #MoneyHacks

100

Max Worth | Personal Finance @maxworthtips.bsky.social · 19/03/2025

🚫 The #1 Investing Mistake 🚫 Overtrading. The avg investor underperforms the benchmark by 4% annually because: Fees: Swapping stocks costs money. Emotions: Fear/greed lead to selling low & buying high. Fix it: Set it (auto-invest) & forget it. Check portfolios 1–2x/year. #Investing #finsky

011

Reposted by Max Worth | Personal Finance

Pete Buttigieg @petebuttigieg.bsky.social · 09/03/2025

To be clear: a tariff is a tax.

1306585889141

Max Worth | Personal Finance @maxworthtips.bsky.social · 07/03/2025

5 reliable EVs under $35K (better than a Tesla!): 1. Chevy Bolt EV – 259-mile range, super affordable 2. Hyundai Kona Electric – 258-mile range, great warranty 3. Nissan Leaf – Budget-friendly & proven 4. VW ID.4 (Base) – Spacious, solid build 5. Hyundai Ioniq 5 (Base) – Stylish & high-tech

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 06/03/2025

Anyone else who has completed moved from sugar to monk fruit sweeter?

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 06/03/2025

Life Hack: Ask friends if they have a student ID and are okay with you using it for discounts on electronics. You can save a ton of money! PS: Works really well with Apple too

000

Max Worth | Personal Finance @maxworthtips.bsky.social · 04/03/2025

Made my own granola today. Took around 10 mins of prep and 45 mins of baking. Infinitely cheaper than the one I buy - Nutrail

010