“Most wallets are screaming because their owners think they’re ‘managing debt’ by making minimums.” jimkatzaman.substack... featuring @experian-us.bsky.social

NOBODY'S TALKING ABOUT THIS: The real story today isn't just the elections—it's the 35-day shutdown, Nvidia chip exports to UAE contradicting Trump, and a diplomatic crisis reshaping Latin America. These moves will ripple through markets for months.

Most people can't read this part of a check 👇 I broke down every section of a check in 30 seconds so you never second-guess yourself again. Routing number, account #, etc all mean different things. Knowing matters when setting up direct deposit. #personalfinance #banking #financialliteracy

Your brain is lying to you about money. I'm not being dramatic. There are 3 psychological forces actively working against you every time you try to budget, save, or invest. After 30 years helping clients, I can finally explain WHY you keep failing. Watch the attached video

What if I told you the wealthy have a loophole to grow tax-free forever? 💡 The Backdoor Roth IRA is the legal hack the IRS allows — and most people earning too much to contribute directly to a Roth have no idea it exists.

🧵 Missed the @Experian #CreditChat on money & mental health? We got real about the anxiety, the FOMO spending, and how to break the cycle. Here are the 10 biggest takeaways (and the stats that will shock you):

Q4 is coming 👀 Time to get our financial minds right. #CreditChat on X starts in 1 hour. We're talking FOMO spending, denial, and how to break the cycle. Bring your real talk. @experian Join me and the panel: @Kembala @RahkimSabree @itsmymoney_ @Lawrence_Sprung @taynelawgroup @creditscoop

Tomorrow! I'm joining an incredible panel for #CreditChat to discuss stopping financial freefall. 🚀 You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET. #PersonalFinance #Experian

Charle Kirk news shook me. 900k views on that vigil clip. Agree or disagree with him, it makes you realize life’s fragile, man. Told my wife & kids I love ‘em, then speed-dialed my estate attorney. Beneficiaries set? Policies updated? Don’t wait for a headline to lock it down.

Mario movie? Galaxy brain. Trailer hits, Nintendo stock +3%. Nostalgia's the real power-up—fans drop billions on merch alone. Lesson? Bet on what you loved as a kid. $NTDOY in your IRA yet? Discuss

Paying a $95 credit card fee can be a brilliant move... or a costly trap. A 25-yr planner's simple 3-question framework helps you decide in minutes. Stop guessing and find the card that actually pays YOU. #FinTwit #CreditCards vist.ly/4358z

🚨BREAKING: New economic data destroys the "Trump economy" myth Penn Wharton just dropped bombshell analysis: Trump's tariffs will SLASH GDP by 8% & wages by 7%. Biden's "terrible economy" actually outperformed every G7 nation post-COVID. Obama's "slow recovery" cut unemployment from 10% to 4.7%

I’m honored to host Prof. Alan Saquella’s expertise on home title fraud—a scam booming in South Florida & hurting our elderly neighbors. Learn to protect your most valuable asset now! Read the full article: michaelryanmoney.com/deed-and-home-title-fraud/ #ScamAlert #TitleFraud

Heads up. In a few hours, I'll be joining a great panel for #CreditChat hosted by @Experian, talking about a topic that causes a ton of stress: building an emergency fund when stretched thin. I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!

Overwhelmed by money? Finding the RIGHT financial coach for 2025 is game-changing. I break down coach types + my G.R.E.A.T. vetting framework. No fluff, just real guidance. #FinancialAdvice #MoneyTips #PersonalFinance

Is your credit utilization silently SABOTAGING your credit score? 🤯 My 2025 guide + FREE calculator & worksheet unmasks this crucial metric. Time to take control! #CreditScore #CreditUtilization #FinancialFreedom #creditutilization

Got a r% raise but your paycheck barely budged? 😒 You're not alone! Inflation + taxes can make that "boost" vanish. Our FREE Pay Raise Calculator & guide unmask your real 2025 take-home pay. Stop guessing, start planning! 💸 #PayRaise #Salary #FinancialLiteracy #BudgetingTips

Still GUESSING your annual income? 🤯 That's a budget killer! My new guide & FREE calculator unmask your true 2025 earnings (gross, net, household) so you can plan with power. #AnnualIncomeCalculator #FinancialClarity #MoneyTips2025

Read Kiyosaki's Rich Dad Poor Dad Ki& wondering what's next? Most similar books lists are fluff. I break down 5 reads that deliver actual financial battle plans Kiyosaki only hinted at. Unique insights + myth-busting inside. #RichDadPoorDad #FinancialLiteracy #BookRecommendations

Post 1/4: Is your "emergency fund" a ticking time bomb? 💣 Most people make CRITICAL mistakes with their liquid assets, thinking they're safe when they're actually vulnerable. I've seen it cost people dearly. Let's unpack one of the biggest myths... (Michael Ryan here, 25+ yrs in finance) 👇

Texas Attorneys & Financial Planners: Stepchildren's inheritance rights (or lack thereof) under Texas intestate succession is a frequent source of confusion & conflict for blended families. This provides clarity, which can aid in client discussions about the necessity of tailored wills & trusts.

Is your budgeting app helping—or nickel-and-diming you? 🚩 After years as a financial planner, I reveal the truth behind Rocket Money’s hype, and which apps are worth your time in 2025. #Budgeting #Fintech @RocketMoneyApp @YNAB

Think Florida Prepaid is straightforward? The devil's in the details (out-of-state use, refunds, growth trade-offs). My latest piece gives you the unvarnished truth I shared with my clients. Don't get caught out. 🧐 #FLPrepaid #CollegeSavings #MichaelRyanMoney

Think you know 529 plans? 🧐 Some rules might surprise you (especially around financial aid & penalties!). I'm breaking down common myths & sharing 25+ years of financial planning to help you maximize your college savings. Take the quick navigator in the article to find YOUR answers fast!

Just set it and forget it?" 🙄 That might be the WORST advice for HNW asset allocation. After decades in the trenches, I can tell you: sophisticated wealth requires sophisticated (but not necessarily complicated!) thinking. Busting HNW investing myths #HNWI #InvestmentStrategy #FinancialPlanning

📉 Markets are closed today for Good Friday. But behind the calm is chaos. 📉 Tariff tensions are rattling traders. 🧵 Here’s why the past few weeks have been anything but normal... Like, share and follow for more! #investing #tariffs #marketvolatility #MarketUpdate 🧵1/10

Why is Chase holding YOUR check for 7 days?! 🤷‍♀️ Don't just wait! Understand the rules (Reg CC deep dive!), your rights & how to respond. Read our guide: #ChaseBank #BankingTips #CheckDeposit #FinanceExplained

Tax deadline looming (April 15)! 🗓️ Thinking retirement savings? A Roth IRA offers TAX-FREE growth. 💪 GOOD NEWS: You might still have time to contribute for 2024! Learn how to start for 2024 OR 2025 in our simple beginner's guide. #RothIRA #TaxDeadline

Your daily coffee might soon cost as much as a craft beer—tariffs are brewing up unexpected price hikes." Tariffs on imports like coffee can lead to noticeable increases in everyday items, directly affecting consumers' wallets.

What do you think the impacts will be? #trump #tariffs #tradewar #stockmarket

Top 10 Countries Affected "Who's Hit Hardest by US Tariffs?" Rank Country Tariff (%) 1 🇨🇳 China 104% 2 🇱🇸 Lesotho 50% 3 🇰🇭 Cambodia 49% 4 🇱🇦 Laos 48% 5 🇲🇬 Madagascar 47% 6 🇻🇳 Vietnam 46% 7 🇲🇲 Myanmar 44% 8 🇱🇰 Sri Lanka 44% 9 🇫🇰 Falkland Is. 41% 10 🇸🇾 Syria 41% #tariffs #china #econsky #tradewar

The party of 'free market capitalism' just revealed their true colors with these tariffs. Imagine two restaurants on the same street. One serves amazing food at half the price. The other is empty, serving mediocre food at premium prices. True capitalism says: adapt or die.

Your HSA isn't just for medical bills—it might be the most powerful retirement account you're not using correctly. Discover the "Secret Sauce Strategy" that financial pros don't want you to know about your Health Savings Account #RetirementPlanning #TaxHacks

This video on tariffs has been circulating widely this week. The issue of protecting domestic winners is a perennial one. However, kudos to the team from the CEA or NEC who contributed to the speech. #EconSky #FinSky #AcademiaSky youtu.be/5t5QK03KXPc?...

MUST WATCH: youtu.be/rAb_p5DCC3E?... #Inequality #Economics #Econsky #Poverty

Two paragraphs (impressively) sum it up. Gift: www.nytimes.com/2025/03/12/o... #EconSky

Simple chart explains a lot more than a thousand words could. What does it tell you about our stock market and Trump?

I wish I knew who created this So I could credit them. But If a picture is normally worth a thousand words, Then this one wins a Pulitzer, a Grammy, and an Oscar…

Trump Slump His "signature" move #Econsky #MarketCrash

I’m fairly confident. If you put me in charge and said “Michael. Bull in a China shop. The more you destroy our economy, them you win” I’d come in a distant second place. No way I could do this if I tried my hardest…

📊 DAILY MARKET PULSE Thursday, February 27, 2025 🔍 AT A GLANCE S&P 500: 📉 5,861.57 (-1.59%) Dow Jones: 📉 43,239.50 (-193.62 points) Nasdaq: 📉 Down 0.7% Bitcoin: 📈 $86,500 (+3%) WTI Crude: 📈 $70.35 (+1.1%) Gold: 📉 $2,883 (-$47)

DAILY MARKET PULSE Date: February 27, 2025 Time: 3:45 PM EST --> Like, follow, share, and COMMENT for daily updates. 1. MARKET OVERVIEW 1 of 14 🧵 in comments:

That's a wrap on our #CreditChat! Huge thanks to @Experian for hosting, and to all of you for participating! I hope you found this helpful and maybe even a little fun. 😉

(A10) #CreditChat If you are getting a tax refund, how can you use it to help you reach your financial goals? Tax Refund Strategies! 💰 A refund is essentially an interest-free loan you gave the government. But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund

(A9) #CreditChat #W4Form @Experian How can adjusting your tax withholdings throughout the year impact your next tax return? Adjusting Your Withholdings! ⚙️ This is all about Form W-4, which you give to your employer. It determines how much federal income tax is withheld from your paycheck.

(A8) #CreditChat #AuditRisk @Experian What are some common red flags that might trigger an IRS audit? IRS Audit Red Flags! 🚩 While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.

(A7) #CreditChat #IdentityTheft @Experian How can you protect yourself from tax-related identity theft and scams? Tax Identity Theft! 🛡️It's a real threat. Protect your Social Security number like it's gold! Shred sensitive documents, use strong, unique passwords online. https://vist.ly/3mvyyt7

(A6) #CreditChat #SelfEmployment @Experian How does gig work or self-employment income affect your tax situation? Gig Work & Taxes! 🎸 Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.

(A5) @Experian #CreditChat #TaxTrouble Can't Pay Your Tax Bill? 😨 DON'T PANIC. Seriously. First, breathe. Second, file your return on time anyway! This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.

(A4) @Experian #CreditChat #TaxHelp DIY vs. Tax Pro? 🤔 It's a big decision! Think of DIY software like a GPS: great for straightforward routes. But a tax pro is like a skilled navigator for complex journeys. "