Darrell Aden @darrelltalkfi

I talk about investing & personal finance. Building wealth through stocks, bitcoin, and real estate. Paid off $30,000 in debt in 28 months. Joined December 2018

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Darrell Aden @darrelltalksfi

4 months ago

As I build wealth, I have to remind myself that my worth is based on who I am as a person, not how many zeros are in my bank account. In the end, we all end up in the dirt.

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If I save $7,000 a year I’ll have $175,000 after 25 years. But if I invest $7,000 a year in $VTI I’ll have ~$775,000 after 25 years. Once I saw the difference between saving and investing, the choice was obvious.

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Darrell Aden @darrelltalksfi

4 months ago

I paid off $30,000 in student loans in 28 months. Making just $16/hour. It’s boring… but here’s how I did it anyway:

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Darrell Aden @darrelltalksfi

4 months ago

Thanks for reading! I’m giving away the budget template my wife and I use to track our finances in 2025. It’s free. Just check out my newsletter and I’ll send it your way. letstalkfinance.beehiiv.com/subscribe

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Darrell Aden @darrelltalksfi

4 months ago

I’m also on YouTube if you want to check me out and subscribe: youtube.com/@darrelltalksf…

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Darrell Aden @darrelltalksfi

4 months ago

Income producing assets • REITs • Bonds • Stocks • Business • Physical Real Estate Non-income producing assets • Art • Gold • Bitcoin • Watches • Beanie Babies Which do you prefer?

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Darrell Aden @darrelltalksfi

4 months ago

The rebel who turned his back on Wall Street. Meet John C. Bogle. • Invented the index fund • Gave up massive profits to serve everyday investors • Built a $10 trillion legacy (Vanguard) Here’s how he changed investing forever (and why the industry hated him for it):

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Darrell Aden @darrelltalksfi

4 months ago

Thanks for reading! If you enjoyed this thread, do me a quick favor: • Follow @darrelltalksfi • Subscribe to my newsletter • Subscribe to my YouTube channel Links below.

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Darrell Aden @darrelltalksfi

4 months ago

Here’s the link: letstalkfinance.beehiiv.com/subscribe

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Darrell Aden @darrelltalksfi

4 months ago

A few months back I told my friend he should look into bitcoin. A week later he called and said he sold all his individual stocks and bought $BTC. Today he texted me to say thank you.

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Darrell Aden @darrelltalksfi

4 months ago

The taxable brokerage account is one of the most powerful investment accounts. But 66% of people don’t own any taxable investments. Here’s why my wife and I are prioritizing our brokerage account in 2025:

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Darrell Aden @darrelltalksfi

4 months ago

No matter what you invest in, one thing’s clear. You can’t afford to hold a currency that’s constantly being debased.

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Darrell Aden @darrelltalksfi

4 months ago

I don’t want a lot of stuff. But the stuff I do have, I want it to be nice. Quality > Quantity

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Darrell Aden @darrelltalksfi

4 months ago

The prime rate sets the baseline for a lot of loans. Think: • Credit cards • Personal loans • Business loans • And some auto loans Mortgage rates are influenced more by the 10-year Treasury yield and broader market forces, not directly by the prime rate.

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Darrell Aden @darrelltalksfi

4 months ago

The Fed has eight scheduled meetings each year to evaluate all this and decide whether to raise, lower or hold rates steady The 3rd meeting in 2025 is this week.

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Darrell Aden @darrelltalksfi

4 months ago

Thanks for reading! What do you think the fed will do? Let me know in the comments 👇 PS… By the way, if you enjoyed this thread, you’ll love my newsletter. I share personal finance tips with 300+ readers. Link below:

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Darrell Aden @darrelltalksfi

4 months ago

The Federal Reserve is meeting this week (May 6 & 7) for the 3rd time this year. What they decide could shake markets (and hit your wallet). Here’s what you need to know: 🧵

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Darrell Aden @darrelltalksfi

4 months ago

It’s generally calculated by taking the upper end of the federal funds rate and adding 3%. So if the federal funds rate is 5.50%, prime would typically be 8.50%. Now this is important:

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Darrell Aden @darrelltalksfi

4 months ago

The federal funds rate directly impacts the prime rate. The prime rate is the interest rate banks charge their most creditworthy customers. Think folks with excellent credit scores (usually 800+).

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Darrell Aden @darrelltalksfi

4 months ago

Well, even though the Fed no longer requires banks to hold a specific percentage of reserves (that rule was eliminated in 2020), banks still borrow money to manage their liquidity for things like: • Clearing large transactions • Staying compliant with other regulatory…