Ryan Greiser, CFP ® @_Greiiser

Stop asking "should I sell my RSUs." Use this 4-step framework instead: 1. What’s this worth after tax? 2. Would you buy this much stock with cash? 3. Sell whatever is a “no.” 4. Keep only what’s a real “yes.”

The years you’re free enough to enjoy what you’ve built are fewer than the years you spend building it. Spend accordingly.

Plenty of people sitting on a $2,000,000 portfolio still spiral over a $15,000 trip with the family. It’s not that the money isn’t there. It’s that the account balance never got translated into a green light. Their net worth climbed. Their personal “allowed to spend” settings stayed frozen. So the person who had to pass on a $15,000 vacation at 35 is still running the exact same mental spreadsheet at 48. Despite the numbers living in a different universe now. Getting rich is challenge one. Letting yourself enjoy it without self-punishment is challenge two. Most people stop after the first.

Four numbers determine how much life insurance a family actually needs: outstanding debt, years of income to replace, the mortgage balance, and future education costs. Most quotes skip straight to a multiple of salary instead. The multiple is easier to sell, but those four numbers are the actual math that matters. Families who add up debt, income, mortgage, and education almost always land with a number they need instead of the insurance industry shortcut.

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This year I booked a $10,000+ family vacation. For a moment, it made me feel sick. Then I checked three numbers and the guilt disappeared. Today’s piece breaks down those three numbers and why this works at almost any income. ↓ open.substack.com/pub/opulusmeth…

A pattern shows up with clients anxious about inflation: They never connect it to their own mortgage. Their payment is fixed. Everything else keeps rising. The same inflation eating their grocery budget is shrinking their biggest debt in real terms.

Playing it safe feels responsible. That isn't always the safer choice. When you can recover from a wrong move but can't recover the years you spent not making it, delay is the actual risk. Most people have this backwards.

I've noticed something with clients whose kids are still young: They treat money like the scarce resource and time like the abundant one. It's backwards. Money you can always make more of. Time with an 8-year-old runs out in about ten summers. Most people don't realize this until it's too late.

You win with money by taking responsibility for three numbers: • What your bills actually cost you • What you're actually putting away • What you let yourself enjoy Get those three right, and the rest sorts itself out.

We're told the risk is enjoying your money too soon. I think the bigger risk is having the money and no longer having the health, time, or people to spend it with. One of those risks is reversible. The other one isn't.

Yooooooooo. The next 12 months are going to be insane. Phils. Birds. Sixers.

ESPN @espn

2 weeks ago

Breaking: LeBron James is signing with the Philadelphia 76ers on a two-year, $8 million deal with a player option, his agent Rich Paul told @ShamsCharania.

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Early in my career I thought smart clients would just intellectually know to stay invested during a downturn. I was wrong. Watched several high earners abandon well-built plans the same week "extreme fear" hit the headlines. What changed things wasn't smarter clients. It was building the plan and the guardrails before the fear ever showed up. Now when volatility hits, the conversation is short: this is exactly what we planned for.

Kalshi @Kalshi

2 months ago

JUST IN: Stock market is nearly in "extreme fear"

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If your kid is 8, you've got about ten summers left before they're grown. Most high earners spend those summers chasing one more promotion. Here's why that trade costs more than it pays: ↓

Converting your LLC to an S-corp isn't one decision. It's 12 separate things you now have to set up, correctly, before the tax savings mean anything. Here's the full list, so nothing catches you off guard: ↓

Most people think delaying a big experience costs nothing. The money just sits there, still available later. It doesn't work that way. The older you get, the more it costs to get the same experience back: • Energy • Health • The people you'd have shared it with Waiting has its own cost and it only goes up the older you get.

A pattern shows up constantly with inherited IRAs: beneficiaries let the account sit untouched for years, then withdraw everything right before the 10-year deadline. It feels responsible. But it’s usually the most expensive option available.

"Lifestyle business" gets said like an insult. But optionality is the whole point of building wealth in the first place. Owning your time is the return most people are actually working for.

A new client kept sending extra principal to her 3% mortgage out of old habit. We paused and compared that to investing the same money instead. The gap after 15 years surprised her. A good financial habit was costing her, not protecting her.

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