The Neighborhood Finance Guy

The Neighborhood Finance Guy Teaching Millennials and GenZers How to Become a Millionaire in 15 years or Less. "In 2012, I overdrew my debit account five times. I had $0 in retirement.

I stressed about how I would pay rent and other expenses so that i could have a social life. I was in too deep with credit card debt and the month interest was close to $100. I skipped paying student loans. My credit score was 540 and tumbling. In 2015, I never overdrafted. I slept easy on a memory foam bed. I have a better social life and travel more. I finished paying off my credit card debt. I

pay my student loans monthly. My credit score is 774+. And my retirement is at $30K. In two years, I'll be at 80k+ with the goal of having more than $2 Million in retirement"

How did I do it? Where do you start if your parents didn't go to college, didn't own any stocks, aren't affiliated with any organization... So many questions. This page exists to share tips on how to best navigate the next phase of your life. All information will be accessible to anyone, no matter the starting point. Fresh out of college; this is for you. In too deep in credit card debt and need to figure things out; this is for you. Want to learn about investing and best tax practices; this is for you. Let's learn and grow with each other. Let's change our community and let's share positive information and inspiration. Lawrence Gonzalez, theNeighborhoodFinanceGuy.com

Wondering if +$1,000 per month cash inflow is enough to change someone's life trajectory, or is there more to every stor...
06/10/2026

Wondering if +$1,000 per month cash inflow is enough to change someone's life trajectory, or is there more to every story? i.e., self-motivation, grit, and perspective?

Taniquewa Brewster, 41, received a $1000 monthly basic income in Austin. Years later, she's more financially confident and a new mom.

How We Spent $1,000,000 in 6.5 Years: A Detailed BreakdownWow, we spent over $1 million. I'm just as shocked as you are....
06/10/2026

How We Spent $1,000,000 in 6.5 Years: A Detailed Breakdown

Wow, we spent over $1 million. I'm just as shocked as you are. Most of my ideas come from spur-of-the-moment questions. Besides, it's not like we spend it all at once. The expense total (represented by our cash outflows) runs from January 1, 2019, through June 8, 2026. In a technical sense, the total gross expenses tally all the transactions that hit our accounts....

Wow, we spent over $1 million. I’m just as shocked as you are. Most of my ideas come from spur-of-the-moment questions. Besides, it’s not like we spend it all at once. The expense total (represented by our cash outflows) runs from January 1, 2019, through June 8, 2026. In a technical sense, the ...

I know a lot of people going through life from 25 to 45 just like this. Pure financial crash out. They are going to be w...
06/09/2026

I know a lot of people going through life from 25 to 45 just like this. Pure financial crash out. They are going to be working until their bodies give out, give or take 62. I didn't say 72 on purpose cuz the millennial breakdown is going to hit hard.

Double lesson - 1. Take care of your finances, and 2. Take care of your body.


TBH, I'd take the deal at $5M and throw in Beyonce's entire catalog with the rest of Destiny's Child for free. For the e...
06/08/2026

TBH, I'd take the deal at $5M and throw in Beyonce's entire catalog with the rest of Destiny's Child for free.

For the extra $5M, I'm dropping Kanye, Tupac, Biggie... Come to think of it... all North East rap. I can find better things to listen to for $10M.

With prices like this, and people are still going, just know there is no recession. Ya got it! The Federal Reserve needs...
06/08/2026

With prices like this, and people are still going, just know there is no recession.
Ya got it!

The Federal Reserve needs to raise interest rates due to all these sporting events and concerts. is not a real thing. Ya play too much on credit cards and scamming.

Times aren't as hard as they used to be, but complaining is easier on the $1k cell phone.
06/05/2026

Times aren't as hard as they used to be, but complaining is easier on the $1k cell phone.

Tiege Hanley: Get your first box 40% off (+ FREE gift), and 20% off...

We are up $340k! Best Time to Invest may have been 45 days ago.Hooray we all made it through another May on the road to ...
06/04/2026

We are up $340k! Best Time to Invest may have been 45 days ago.

Hooray we all made it through another May on the road to $1,750,000 investment portfolio. The year is flying....

Hooray!! We made it through May. Our portfolio is up $340k since March 31st. Six months left to get back in shape and hit new targets.

I saw this post online (not sure who created it); however, I think it's a good summary infographic. Quick pointers to he...
06/01/2026

I saw this post online (not sure who created it); however, I think it's a good summary infographic. Quick pointers to help you shift from left to right.

*For some reason, some people take offense to it. Makes no sense to me. But people will people. It helps if you are less emotional IMO. Financial literacy is all about dissecting what works and what doesn't. The goal is to get you to understand which cards you can play to win this game on your own terms. While I don't think you need to do everything in the green or purple columns, you need to avoid or move beyond the issue points in the red column.

Just good life habits that improve your health and wealth in real time. It’s gonna be hot this summer, acclimate and be ...
05/23/2026

Just good life habits that improve your health and wealth in real time. It’s gonna be hot this summer, acclimate and be better than average.

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