T.J. van Gerven

T.J. van Gerven
"If your financial advisor hasn't recommended Bitcoin yet, fire them." In this podcast episode, I break down why this is an ignorant statement and why a true financial advisor doesn't build recommendations around a single investment. If you're tying the success of a single investment to your career, you're not a true professional who provides personalized advice in people's best interests. Personal finance is personal. Be keenly aware of the incentives of whoever you take advice from. Join the MWB community and receive weekly tips in the areas of equity compensation, tax optimization, and financial independence directly to your inbox Fridays at 4 pm (ET).
If Your Financial Advisor Builds Their Recommendations Around A Single Investment, Fire Them.
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It doesn't matter how sophisticated a market timing strategy is - it's still a zero-sum game and shares characteristics with gambling. In a zero-sum game, one person's gain is equivalent to another's loss, so the net change in wealth or benefit is zero. This implies that there will be winners. But there will also be (mostly) losers. If you have long-term conviction in an asset - great. Hold for the long term relative to your conviction. In the real world, return on effort matters. Time in the market > timing the market. Join the MWB community and receive weekly tips in the areas of equity compensation, tax optimization, and financial independence directly to your inbox Fridays at 4 pm (ET). *Privacy Policy: I hate SPAM and promise to keep your email safe.
Why Market Timing Crypto 🥴 (Or The Stock Market) Is A Zero-Sum Game
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If your income is mainly from vesting equity comp, try and base your personal savings rate on your salary. It’s like winning the lottery. Instead of making massive lifestyle changes, coast into your new-found wealth and avoid unsustainable lifestyle creep. In this podcast episode, I share several ideas for coasting into your windfall via equity comp. Join the MWB community and receive weekly tips in the areas of equity compensation, tax optimization, and financial independence directly to your inbox Fridays at 4 pm (ET). *Privacy Policy: I hate SPAM and promise to keep your email safe.
How To Coast 🏄 Into Your New-found Wealth Via Equity Comp 🚀
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As a married couple, your finances are now combined, especially from a tax perspective. When I sit down with a married couple, I'm showing them how they can use their combined resources to maximize their lifestyle and build towards individual goals. It's ok if you and your partner don't view money the same. The important thing is to have an open and honest conversation (sometimes with an unbiased third-party professional) so that you're on the same page. Listen to my in-depth thoughts in this podcast episode. Join the MWB community and receive weekly tips in the areas of equity compensation, tax optimization, and financial independence directly to your inbox Fridays at 4 pm (ET). *Privacy Policy: I hate SPAM and promise to keep your email safe.
Here's How I Breakdown A Married Couple's 💑 Finances 💰
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Join the MWB community and receive weekly tips in the areas of equity compensation, tax optimization, and financial independence directly to your inbox Fridays at 4 pm (ET). *Privacy Policy: I hate SPAM and promise to keep your email safe. In today's podcast episode, I provide a Q&A on the most common equity compensation questions I receive: Q1: I'm interested in leaving my current job for another opportunity, but I'm worried about what will happen to the equity I've received where I work today. What should I do? Q2: My company is talking about going public in the next year and I have stock options that could be quite valuable. Should I be doing anything now to prepare? Q3: I love my company and the considerable equity I now own, but I'm worried I have all my eggs in one basket and don't know when we'll be able to cash out. What should I do?
Equity Comp 🚀 Roundup: Q&A Edition
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The used car market is on fire right now. I can't remember a time when you could sell a used car for more than you bought it. In this podcast episode, I share a recent example of someone looking to arbitrage their lease buyout and sell for a profit in the used car market. I also explore the practical implications of trying to time + arbitrage used car and real estate markets. Join the Do More With Your Money community email list to receive weekly tips for maximizing equity compensation, optimizing taxes, and planning for your financial independence, directly to your inbox each Friday at 4 pm (ET). *Privacy policy: I hate SPAM and promise to keep your email address safe.
Should You Arbitrage The Used Car Market Right Now? 🤣
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TJ van Gerven
TJvanGervenTJ van Gerven@TJvanGerven·
17h

I believe in the long-term viability of crypto as an asset, but the constant shilling by the influencers makes it hard to get on board.

TLDR; it’s the shilling for me

https://open.spotify.com/episode/4D2Dq8bv3WrT0XW44iFvE5?si=RlCEwxxjTu6hpOCR3REfdg&dl_branch=1

TJ van Gerven@TJvanGerven

@danheld If your financial advisor builds their recommendations around a single investment, fire them.

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TJvanGervenTJ van Gerven@TJvanGerven·
30 Jul

Why make bets if you have a clear path to accomplishing all of your financial goals?

If you’re going to make bets make sure you directly impact the chance of success.

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TJvanGervenTJ van Gerven@TJvanGerven·
29 Jul

A good way to succeed is to choose that complete failure is not an option.

Give yourself time to fail towards success — whatever that means for you.

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tj_vangerven

⁣💻 Founder of Modern Wealth Builders⁣
🎙 Host of DO MORE WITH YOUR MONEY⁣
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TJ van Gerven