https://www.thejourneytofi.com/

Finance in a Flash, Philadelphia, PA (2026)

07/12/2024

Save & Share the 2024 retirement account cheat sheet! 💾

And comment below, what’s your favorite flavor of ice cream? 🍦

Mine is probably chocolate 🍫 but honorable mention to mint chocolate chip milkshakes 🤤

Follow .in.a.flash to 👇

👉 See occasionally informative content

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

09/22/2023

Did you buy I-Bonds over the last 2 years? 👀

If so, consider these dates to cash out to maximize your returns! 📈

The full description of I-Bonds and why I suggest these dates can be found in my profile’s linked blog post. 💬

And as always, there’s a link in my profile to my very own Google Sheets expense tracker that I use every month. ✅

If you have questions about anything, feel free to reach out. Happy to help! 🙋🏻‍♂️

***DISCLAIMER: I am not a financial advisor, just a guy on the internet***🚶🏻‍♂️

08/03/2023

The stock market is in a very interesting place… 😵‍💫

Its recovery from the 2022 selloff has been both dramatic and lopsided, with big tech leading the charge. 🤖

Don’t get me wrong, it’s always nice to see the market doing well. 👍

But there are a few things that make me a bit hesitant to start celebrating just yet… 🤔

If you want to know if the stock market is overpriced, check out the link in my profile. I’ve updated the top post to be about my favorite way to guess at future returns. 🎰

And if you have questions about anything, feel free to reach out. Happy to help! 🙋🏻‍♂️

***DISCLAIMER: I am not a financial advisor, just a guy on the internet***🚶🏻‍♂️

07/26/2023

Anyone else been overwhelmed by life before 🙋🏻‍♂️

I just spent months not touching anything related to my finances.

Didn’t open credit card apps, bank account apps, investment apps, or any of it.

(In hindsight pretty glad no one attempted to steal my credit card info in that time 😬)

Thankfully, previous Marc did me a huge solid by automating just about all of my finances.

If you don’t know where to start, try this:
1. Set up automatic bill pay for each of your credit cards
2. Set up automatic investments each week into an index fund
3. Come up with an easy method to track your spending

For #️⃣3, visit the link in my profile for a copy of the spending spreadsheet that I created and use all the time.

And if you have questions about anything, feel free to reach out. Happy to help!

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

07/24/2023

I’m back 😬

You know how it is. Sometimes life gets in the way, and sometimes life can be… a little miserable.

A very hectic busy season at my new job (which overall I like a lot) and some unfortunate life events (which overall I don’t like a lot) took the wind out of my sails as far as content creation was concerned.

The wind definitely isn’t quite back like it used to be, but I do miss posting and interacting with everyone here.

So, I’m attempting to compromise by making fewer posts (but hopefully impactful ones).

That being said! I feel like many people (myself included) have waffled between traditional (pre-tax) and Roth (post-tax) accounts. I always figured it would be a toss-up which would turn out better (depending on what happened to tax rates in the future).

Turns out, that’s not really the case…

Also unfortunate for me, my favorite medium of creating personal finance content is blog posts. Which no one reads. Because blogs are (largely) dead.

But a blog post was really the best way to show why one account is better than the other. If you care to read a blog post, give the link in my profile a visit. I promise, it won’t bite!

And you can always subscribe w/your email to know when I make the infrequent new post (that will hopefully be equally as informative as this one). You’ll also get a free copy of my personal Google Sheets expense tracker when you do!

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

02/08/2023

Nothing in life is guaranteed, but… ⤵️

If you are able to follow these three steps ☝️ it’s hard to go wrong.

Even if you don’t meet your goals for the month, or even year, just attempting to do so will land you in a MUCH better spot than if you hadn’t tried at all.

Small actions over time add up 🧱

Let me know what you think! 💬

*And you want to create a BUDGET, don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!*

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

02/06/2023

When it comes to investing (or anything, really)… ⤵️

Success doesn’t come overnight 😴

In fact, you could invest for an entire month and end up with LESS money than you started with.

Thing is… That is OK! Over the long term, the overwhelming odds are in your favor 📈

Of course, this applies to more than just investing. But this is a personal finance account, so what do you expect 🤷🏻‍♂️

Let me know what you think! 💬

*And don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!*

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

02/03/2023

Making more $$ is great, but… ⤵️

It doesn’t matter how much you make, if you’re spending always keeps up.

Share if you agree that making money is NOT the same thing as saving money!

*And don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!*

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

01/30/2023

Like & share if you think habits matter more than amounts! ⤵️

So many people don’t bother saving because they don’t think it matters. $20 here, $10 there. What’s the point?

Thing is… it DOES matter. Because when that $20 turns into $200 and then $2,000, having the habits in place will ensure that you know what to do when that time comes.

Let me know what you think! 💬

*And don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!*

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

01/27/2023

Share if you’re off the 9-5 hate train also! 🚂 | ⤵️

9-5s offer a huge level of benefits and stability that nothing else can really match.

Whether or not health insurance, etc. should be tied to our employment is a discussion for another day 😅

But for now, let’s appreciate our 9-5’s!

Agree? Or did this post just make you angry 😂

*And don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!*

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

01/23/2023

Double tap if you like unprofitable side hustles too! 😂 | ⤵️

Just check the link in my profile. You’ll see that I just can’t get enough unprofitable side hustles 😅

What do you think? Do side hustles need to be profitable to be worthwhile?

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

01/19/2023

Do you agree or disagree?! | ⤵️

I’m of the opinion that saving for the future is hard (if not impossible!) if you don’t actually enjoy doing it.

For me, it’s the peace of mind knowing that I’ll have enough saved to (eventually) no longer worry about money. That alone brings me enough of a dopamine hit to enjoy saving. Even more than guac… sometimes 😅

Do you save or do you buy guac? 💬

And don’t forget to check out the link in my profile (third link down) for a free Expense Tracker & Budget spreadsheet!

—

Follow .in.a.flash and 👇

👉 Begin building long-term wealth
👉 Get daily personal finance tips
👉 Save super helpful infographics

***DISCLAIMER: I am not a financial advisor, just a guy on the internet*** 🚶🏻‍♂️

Finance in a Flash