Martin Prosev
@martinprosev.bsky.social
Founder, Investor, Husband, Dad...
Building saagasolve.com
Join the 50k+ others following me on https://www.linkedin.com/in/martinprosev/
Building saagasolve.com
Join the 50k+ others following me on https://www.linkedin.com/in/martinprosev/
The "Core & Explore" Strategy: 80% of your portfolio: Low-cost Index Funds ($VTI). 20% of your portfolio: High-conviction bets (Crypto, Tech, Individual Stocks). This satisfies your urge to gamble without ruining your future. $VTI #PortfolioStrategy #Crypto #Stocks
December 15, 2025 at 7:01 PM
The "Core & Explore" Strategy: 80% of your portfolio: Low-cost Index Funds ($VTI). 20% of your portfolio: High-conviction bets (Crypto, Tech, Individual Stocks). This satisfies your urge to gamble without ruining your future. $VTI #PortfolioStrategy #Crypto #Stocks
If you aren't embarrassed by your first investment, you started too late. My first stock purchase was terrible. What was yours? 👇#StockMarket #TradingMistakes #FirstTrade #Investing
December 15, 2025 at 6:03 PM
If you aren't embarrassed by your first investment, you started too late. My first stock purchase was terrible. What was yours? 👇#StockMarket #TradingMistakes #FirstTrade #Investing
Diversification is for people who don't know what they are doing. (Buffett said it, not me). If you are young, concentration builds wealth. Diversification preserves it. Agree or disagree? #WarrenBuffett #InvestmentStrategy #RiskManagement
December 15, 2025 at 5:03 PM
Diversification is for people who don't know what they are doing. (Buffett said it, not me). If you are young, concentration builds wealth. Diversification preserves it. Agree or disagree? #WarrenBuffett #InvestmentStrategy #RiskManagement
Stop listening to your parents about money. They lived in an economy where you could pay for college with a summer job and buy a house for $30k. The rules have changed. The strategy must change. #GenZ #Millennials #Economy #HousingMarket
December 15, 2025 at 4:02 PM
Stop listening to your parents about money. They lived in an economy where you could pay for college with a summer job and buy a house for $30k. The rules have changed. The strategy must change. #GenZ #Millennials #Economy #HousingMarket
"Passive Income" is a lie sold by people selling courses. Dividends are passive. Real estate is a part-time job. Side hustles are a second job. Know the difference before you start. #PassiveIncome #SideHustles #RealTalk #Entrepreneurship
December 15, 2025 at 3:03 PM
"Passive Income" is a lie sold by people selling courses. Dividends are passive. Real estate is a part-time job. Side hustles are a second job. Know the difference before you start. #PassiveIncome #SideHustles #RealTalk #Entrepreneurship
Credit cards are not evil. If you use a debit card, you are losing 2-3% cash back on every purchase. You are paying a "financial illiteracy tax." Pay it off in full every month and take the free money. #CreditCards #TravelHacking #SmartSpending #CashBack
December 15, 2025 at 2:02 PM
Credit cards are not evil. If you use a debit card, you are losing 2-3% cash back on every purchase. You are paying a "financial illiteracy tax." Pay it off in full every month and take the free money. #CreditCards #TravelHacking #SmartSpending #CashBack
Crypto isn't "investing." It's speculation. There is a place for it in your portfolio (5%). But if your retirement plan relies on a meme coin going to the moon, you’re not an investor. You’re a gambler. #Crypto #Bitcoin #InvestingVsGambling #Risk
December 15, 2025 at 2:00 AM
Crypto isn't "investing." It's speculation. There is a place for it in your portfolio (5%). But if your retirement plan relies on a meme coin going to the moon, you’re not an investor. You’re a gambler. #Crypto #Bitcoin #InvestingVsGambling #Risk
Your 401k match is not "free money." It’s part of your salary held hostage until you comply. Take the match, but don't worship the system. #401k #CorporateLife #Retirement #Workplace
December 15, 2025 at 1:00 AM
Your 401k match is not "free money." It’s part of your salary held hostage until you comply. Take the match, but don't worship the system. #401k #CorporateLife #Retirement #Workplace
Buying a house is not an investment. It’s a liability that you live in. • Property taxes • Maintenance • Interest Rent where you live. Invest the difference. Who’s with me? #RealEstate #HomeOwnership #RentVsBuy #UnpopularOpinion
December 15, 2025 at 12:01 AM
Buying a house is not an investment. It’s a liability that you live in. • Property taxes • Maintenance • Interest Rent where you live. Invest the difference. Who’s with me? #RealEstate #HomeOwnership #RentVsBuy #UnpopularOpinion
I turned $0 into a six-figure portfolio. It wasn't crypto. It wasn't luck. It was a system. Here is the step-by-step automation system I use to invest without thinking: 🧵👇#AutomatedInvesting #MoneySystem #FinTwit 🧵
December 14, 2025 at 11:00 PM
I turned $0 into a six-figure portfolio. It wasn't crypto. It wasn't luck. It was a system. Here is the step-by-step automation system I use to invest without thinking: 🧵👇#AutomatedInvesting #MoneySystem #FinTwit 🧵
Great article on market reserch ai tools saagasolve.com/blog/market-...
The Ultimate List of Market Research AI Tools
Learn the ways AI is transforming market research. Explore the most essential market research AI tools and ways of utilizing them to develop a competitive advantage.
saagasolve.com
December 14, 2025 at 10:10 PM
Great article on market reserch ai tools saagasolve.com/blog/market-...
ETFs vs. Mutual Funds. One saves you taxes. The other costs you money. Here is the breakdown nobody explains to you: 🧵👇#InvestingBasics #TaxTips #WallStreet 🧵
December 14, 2025 at 10:00 PM
ETFs vs. Mutual Funds. One saves you taxes. The other costs you money. Here is the breakdown nobody explains to you: 🧵👇#InvestingBasics #TaxTips #WallStreet 🧵
Most people think they need $5M to retire. Here is the math behind "The 4% Rule" and why you might be closer to freedom than you think: 🧵👇#RetirementPlanning #FIREcommunity #The4PercentRule 🧵
December 14, 2025 at 9:01 PM
Most people think they need $5M to retire. Here is the math behind "The 4% Rule" and why you might be closer to freedom than you think: 🧵👇#RetirementPlanning #FIREcommunity #The4PercentRule 🧵
The 50/30/20 rule is outdated. In 2025, you need the "Gap Strategy." Here is how to widen the gap between your income and expenses (and where to put the difference): 🧵👇#BudgetingRule #2025Goals #SaveMoney 🧵
December 14, 2025 at 8:01 PM
The 50/30/20 rule is outdated. In 2025, you need the "Gap Strategy." Here is how to widen the gap between your income and expenses (and where to put the difference): 🧵👇#BudgetingRule #2025Goals #SaveMoney 🧵
School taught you the Pythagorean theorem but not how to read a balance sheet. Here are 10 financial terms you MUST know if you want to retire early: 🧵👇#FinancialEducation #Accounting101 #MoneySkills 🧵
December 14, 2025 at 7:00 PM
School taught you the Pythagorean theorem but not how to read a balance sheet. Here are 10 financial terms you MUST know if you want to retire early: 🧵👇#FinancialEducation #Accounting101 #MoneySkills 🧵
7 ETFs that will let you sleep like a baby at night (while making you rich). A thread on low-volatility wealth building: 🧵👇#ETFs #LowRiskHighReward #StockMarket 🧵
December 14, 2025 at 6:02 PM
7 ETFs that will let you sleep like a baby at night (while making you rich). A thread on low-volatility wealth building: 🧵👇#ETFs #LowRiskHighReward #StockMarket 🧵
I analyzed the portfolios of 100 self-made millionaires. They all did these 5 boring things differently than the average person. Here is the blueprint for building wealth without luck: 🧵👇#MillionaireHabits #WealthCreation #MoneyStudy 🧵
December 14, 2025 at 5:00 PM
I analyzed the portfolios of 100 self-made millionaires. They all did these 5 boring things differently than the average person. Here is the blueprint for building wealth without luck: 🧵👇#MillionaireHabits #WealthCreation #MoneyStudy 🧵
The best investment you can make has nothing to do with the stock market. It’s increasing your income. • Learn to sell. • Learn to code. • Learn to write. You can frugal your way to security, but you must earn your way to freedom. #CareerAdvice #SideHustle #HighIncomeSkills #SelfGrowth
December 14, 2025 at 4:01 PM
The best investment you can make has nothing to do with the stock market. It’s increasing your income. • Learn to sell. • Learn to code. • Learn to write. You can frugal your way to security, but you must earn your way to freedom. #CareerAdvice #SideHustle #HighIncomeSkills #SelfGrowth
Debt is borrowing from your future self to pay for your current self. Investing is paying your current self to fund your future self. Choose which version of you you want to prioritize. #DebtFree #FutureSelf #FinancialPlanning
December 14, 2025 at 3:01 PM
Debt is borrowing from your future self to pay for your current self. Investing is paying your current self to fund your future self. Choose which version of you you want to prioritize. #DebtFree #FutureSelf #FinancialPlanning
"I'll start investing when I have more money." Lie. You start investing to get more money. Even $50 a month builds the muscle. You don't wait to get in shape to go to the gym. #JustStart #InvestingForBeginners #CompoundEffect
December 14, 2025 at 2:01 PM
"I'll start investing when I have more money." Lie. You start investing to get more money. Even $50 a month builds the muscle. You don't wait to get in shape to go to the gym. #JustStart #InvestingForBeginners #CompoundEffect
If you can't manage $1,000, you can't manage $1,000,000. Lottery winners go broke because money amplifies who you already are. Fix your habits first. The zeros come later. #MoneyMindset #FinancialDiscipline #SmartMoney
December 14, 2025 at 2:00 AM
If you can't manage $1,000, you can't manage $1,000,000. Lottery winners go broke because money amplifies who you already are. Fix your habits first. The zeros come later. #MoneyMindset #FinancialDiscipline #SmartMoney
Your salary makes you rich. Your spending habits make you wealthy. You can earn $500k a year and be broke if you spend $501k. Lifestyle creep is the enemy. #Budgeting #FrugalLiving #PersonalFinance
December 14, 2025 at 1:00 AM
Your salary makes you rich. Your spending habits make you wealthy. You can earn $500k a year and be broke if you spend $501k. Lifestyle creep is the enemy. #Budgeting #FrugalLiving #PersonalFinance
The 3 stages of financial freedom:
1. You don't look at the price tag for groceries.
2. You don't look at the price tag for travel.
3. You don't look at the price tag for time. Most people stop at stage 1. Keep going.
#FIRE #LifestyleDesign #FinancialIndependence
1. You don't look at the price tag for groceries.
2. You don't look at the price tag for travel.
3. You don't look at the price tag for time. Most people stop at stage 1. Keep going.
#FIRE #LifestyleDesign #FinancialIndependence
December 14, 2025 at 12:00 AM
The 3 stages of financial freedom:
1. You don't look at the price tag for groceries.
2. You don't look at the price tag for travel.
3. You don't look at the price tag for time. Most people stop at stage 1. Keep going.
#FIRE #LifestyleDesign #FinancialIndependence
1. You don't look at the price tag for groceries.
2. You don't look at the price tag for travel.
3. You don't look at the price tag for time. Most people stop at stage 1. Keep going.
#FIRE #LifestyleDesign #FinancialIndependence
Being rich is having money. Being wealthy is having time. Don't confuse the two. The goal of investing isn't a Lamborghini. It's waking up and saying, "I can do whatever I want today." #FinancialFreedom #WealthMindset #MoneyManagement
December 13, 2025 at 11:00 PM
Being rich is having money. Being wealthy is having time. Don't confuse the two. The goal of investing isn't a Lamborghini. It's waking up and saying, "I can do whatever I want today." #FinancialFreedom #WealthMindset #MoneyManagement
Fees are the silent killer of wealth. Fund A: 1% expense ratio. Fund B: 0.03% expense ratio. Over 30 years, Fund A steals 25% of your potential wealth. Check your expense ratios today. If it's over 0.10%, you better have a good reason. #Vanguard #FinancialLiteracy #LowCostInvesting #ETFs
December 13, 2025 at 10:00 PM
Fees are the silent killer of wealth. Fund A: 1% expense ratio. Fund B: 0.03% expense ratio. Over 30 years, Fund A steals 25% of your potential wealth. Check your expense ratios today. If it's over 0.10%, you better have a good reason. #Vanguard #FinancialLiteracy #LowCostInvesting #ETFs