7 Picos Finance
@7picosfinance.bsky.social
Make personal finance a positive journey.
Decide what you want. Make a plan. Work on it. Every. Single. Day.
Personal Finance Coach / Investor
Decide what you want. Make a plan. Work on it. Every. Single. Day.
Personal Finance Coach / Investor
In this weeks 7 Picos Finance newsletter, I dissect one of Mel Robbins latest podcasts:
How to Make 2026 the Best Year: 6 Questions to Ask Yourself
I'll focus on her ideas on stopping habits that don't benefit you, starting new habits that do & continuing habits that work.
How to Make 2026 the Best Year: 6 Questions to Ask Yourself
I'll focus on her ideas on stopping habits that don't benefit you, starting new habits that do & continuing habits that work.
January 8, 2026 at 3:11 PM
In this weeks 7 Picos Finance newsletter, I dissect one of Mel Robbins latest podcasts:
How to Make 2026 the Best Year: 6 Questions to Ask Yourself
I'll focus on her ideas on stopping habits that don't benefit you, starting new habits that do & continuing habits that work.
How to Make 2026 the Best Year: 6 Questions to Ask Yourself
I'll focus on her ideas on stopping habits that don't benefit you, starting new habits that do & continuing habits that work.
Dow jumped nearly 485 points on Tuesday to close above 49,000 for the first time.
30yr fixed-rate mortgages hover around 6.25% - lowest level since September 2024.
30yr fixed-rate mortgages hover around 6.25% - lowest level since September 2024.
January 7, 2026 at 12:48 PM
Dow jumped nearly 485 points on Tuesday to close above 49,000 for the first time.
30yr fixed-rate mortgages hover around 6.25% - lowest level since September 2024.
30yr fixed-rate mortgages hover around 6.25% - lowest level since September 2024.
The Dow Jones closed at a new record high yesterday and the S&P 500 energy sector posted its biggest one-day jump since July 8.
European leaders push back on Trump's continued interest in Greenland.
Housing affordability still a challenge.
European leaders push back on Trump's continued interest in Greenland.
Housing affordability still a challenge.
January 6, 2026 at 1:01 PM
The Dow Jones closed at a new record high yesterday and the S&P 500 energy sector posted its biggest one-day jump since July 8.
European leaders push back on Trump's continued interest in Greenland.
Housing affordability still a challenge.
European leaders push back on Trump's continued interest in Greenland.
Housing affordability still a challenge.
Markets holding on to the gains despite ongoing Venezuela news. Nice to see.
January 5, 2026 at 6:29 PM
Markets holding on to the gains despite ongoing Venezuela news. Nice to see.
What’s the ROI on spending $200 for 2 private training sessions for your teenaged lacrosse player
vs.
The ROI on spending the same (or less) on a focused and interactive Personal Finance course they can always go back to?
The difference could be in the millions.
vs.
The ROI on spending the same (or less) on a focused and interactive Personal Finance course they can always go back to?
The difference could be in the millions.
January 5, 2026 at 2:59 PM
What’s the ROI on spending $200 for 2 private training sessions for your teenaged lacrosse player
vs.
The ROI on spending the same (or less) on a focused and interactive Personal Finance course they can always go back to?
The difference could be in the millions.
vs.
The ROI on spending the same (or less) on a focused and interactive Personal Finance course they can always go back to?
The difference could be in the millions.
"Stock futures were higher on Monday following the U.S.′ attack on Venezuela and capture of leader Nicolas Maduro." - CNBC
Energy stocks such as Chevron and Exxon Mobil higher by 7% and 4% respectively.
Energy stocks such as Chevron and Exxon Mobil higher by 7% and 4% respectively.
January 5, 2026 at 12:11 PM
"Stock futures were higher on Monday following the U.S.′ attack on Venezuela and capture of leader Nicolas Maduro." - CNBC
Energy stocks such as Chevron and Exxon Mobil higher by 7% and 4% respectively.
Energy stocks such as Chevron and Exxon Mobil higher by 7% and 4% respectively.
In Sunday's brand-new 7 Picos Finance newsletter, I'll talk about the continuing home affordability struggles that many Americans face today - focusing in on the 4 main reasons behind the challenge to purchase a home.
Click on my Profile to sign up for FREE today.
Click on my Profile to sign up for FREE today.
January 2, 2026 at 2:28 PM
In Sunday's brand-new 7 Picos Finance newsletter, I'll talk about the continuing home affordability struggles that many Americans face today - focusing in on the 4 main reasons behind the challenge to purchase a home.
Click on my Profile to sign up for FREE today.
Click on my Profile to sign up for FREE today.
Happy New Year!! 🍾
The S&P 500 ended 2025 with a 16.39% gain for the year, its 3rd straight double-digit advance.
The Nasdaq gained an impressive 20.36% for 2025 while the 30-stock Dow gained 12.97%.
The S&P 500 ended 2025 with a 16.39% gain for the year, its 3rd straight double-digit advance.
The Nasdaq gained an impressive 20.36% for 2025 while the 30-stock Dow gained 12.97%.
January 2, 2026 at 11:29 AM
Happy New Year!! 🍾
The S&P 500 ended 2025 with a 16.39% gain for the year, its 3rd straight double-digit advance.
The Nasdaq gained an impressive 20.36% for 2025 while the 30-stock Dow gained 12.97%.
The S&P 500 ended 2025 with a 16.39% gain for the year, its 3rd straight double-digit advance.
The Nasdaq gained an impressive 20.36% for 2025 while the 30-stock Dow gained 12.97%.
"The S&P 500 is still set to lock in a 17% gain for the year, its third straight double-digit annual gain.
The Nasdaq Composite has ridden AI enthusiasm to a 21% advance.
The Dow is up 13% for 2025, lack of tech representation in the 30-stock average." - CNBC
The Nasdaq Composite has ridden AI enthusiasm to a 21% advance.
The Dow is up 13% for 2025, lack of tech representation in the 30-stock average." - CNBC
December 31, 2025 at 2:15 PM
"The S&P 500 is still set to lock in a 17% gain for the year, its third straight double-digit annual gain.
The Nasdaq Composite has ridden AI enthusiasm to a 21% advance.
The Dow is up 13% for 2025, lack of tech representation in the 30-stock average." - CNBC
The Nasdaq Composite has ridden AI enthusiasm to a 21% advance.
The Dow is up 13% for 2025, lack of tech representation in the 30-stock average." - CNBC
What's your definition of "living paycheck to paycheck”?
What if you’re a dual-income family maxing out 401ks, HSA's, contribute to kids 529 account, home equity and adding to a HYSA?
Is that money still real just because it’s not in your checking account?
What if you’re a dual-income family maxing out 401ks, HSA's, contribute to kids 529 account, home equity and adding to a HYSA?
Is that money still real just because it’s not in your checking account?
December 26, 2025 at 10:01 PM
What's your definition of "living paycheck to paycheck”?
What if you’re a dual-income family maxing out 401ks, HSA's, contribute to kids 529 account, home equity and adding to a HYSA?
Is that money still real just because it’s not in your checking account?
What if you’re a dual-income family maxing out 401ks, HSA's, contribute to kids 529 account, home equity and adding to a HYSA?
Is that money still real just because it’s not in your checking account?
So called "bad personal finance advice" might actually be good advice for someone else.
You don't know their situation. Don't generalize.
You don't know their situation. Don't generalize.
December 26, 2025 at 5:07 PM
So called "bad personal finance advice" might actually be good advice for someone else.
You don't know their situation. Don't generalize.
You don't know their situation. Don't generalize.
Markets head into the last week of trading at or near all time highs.
Truth is, stocks have ignored tariff fears, inflation, government shutdowns and concerns over an “AI Bubble”.
Gold & Silver reach new highs; $4,539 and $74 an ounce.
Truth is, stocks have ignored tariff fears, inflation, government shutdowns and concerns over an “AI Bubble”.
Gold & Silver reach new highs; $4,539 and $74 an ounce.
December 26, 2025 at 12:36 PM
Markets head into the last week of trading at or near all time highs.
Truth is, stocks have ignored tariff fears, inflation, government shutdowns and concerns over an “AI Bubble”.
Gold & Silver reach new highs; $4,539 and $74 an ounce.
Truth is, stocks have ignored tariff fears, inflation, government shutdowns and concerns over an “AI Bubble”.
Gold & Silver reach new highs; $4,539 and $74 an ounce.
The S&P 500 posted a new record close of 6,909.79 on Tuesday. 🎁
The New York Stock Exchange will close early on Wednesday at 1 p.m. ET on Christmas Eve and will be closed Thursday for Christmas Day. 🎄
The New York Stock Exchange will close early on Wednesday at 1 p.m. ET on Christmas Eve and will be closed Thursday for Christmas Day. 🎄
December 24, 2025 at 1:47 PM
The S&P 500 posted a new record close of 6,909.79 on Tuesday. 🎁
The New York Stock Exchange will close early on Wednesday at 1 p.m. ET on Christmas Eve and will be closed Thursday for Christmas Day. 🎄
The New York Stock Exchange will close early on Wednesday at 1 p.m. ET on Christmas Eve and will be closed Thursday for Christmas Day. 🎄
Why complicate things?
Why try and time the market?
Why change what has worked?
Let your money Compound. History has proven that long-term investors have been very successful in building wealth via stocks.
Why try and time the market?
Why change what has worked?
Let your money Compound. History has proven that long-term investors have been very successful in building wealth via stocks.
December 22, 2025 at 8:11 PM
Why complicate things?
Why try and time the market?
Why change what has worked?
Let your money Compound. History has proven that long-term investors have been very successful in building wealth via stocks.
Why try and time the market?
Why change what has worked?
Let your money Compound. History has proven that long-term investors have been very successful in building wealth via stocks.
Emotions are such a big part of everything we do. That includes Personal Finance.
I've had people tell me they fear investing because "what if I lose all my money?" - so instead they keep it in cash.
Or worse, under their mattress. No joke.
I've had people tell me they fear investing because "what if I lose all my money?" - so instead they keep it in cash.
Or worse, under their mattress. No joke.
December 22, 2025 at 6:13 PM
Emotions are such a big part of everything we do. That includes Personal Finance.
I've had people tell me they fear investing because "what if I lose all my money?" - so instead they keep it in cash.
Or worse, under their mattress. No joke.
I've had people tell me they fear investing because "what if I lose all my money?" - so instead they keep it in cash.
Or worse, under their mattress. No joke.
Will Wall Street see the coveted Santa Claus rally?
Futures higher this Monday and shortened holiday week.
Gold and silver hit new record highs;
Gold at $4,443.10 per ounce, silver to $69.06.
Futures higher this Monday and shortened holiday week.
Gold and silver hit new record highs;
Gold at $4,443.10 per ounce, silver to $69.06.
December 22, 2025 at 2:15 PM
Will Wall Street see the coveted Santa Claus rally?
Futures higher this Monday and shortened holiday week.
Gold and silver hit new record highs;
Gold at $4,443.10 per ounce, silver to $69.06.
Futures higher this Monday and shortened holiday week.
Gold and silver hit new record highs;
Gold at $4,443.10 per ounce, silver to $69.06.
"More than $7.1 trillion in notional options exposure is set to expire this Friday, according to Goldman, including roughly $5 trillion tied to the S&P 500 index and $880 billion linked to single stocks." - CNBC
That's a lot of day traders! JK
That's a lot of day traders! JK
December 19, 2025 at 1:45 PM
"More than $7.1 trillion in notional options exposure is set to expire this Friday, according to Goldman, including roughly $5 trillion tied to the S&P 500 index and $880 billion linked to single stocks." - CNBC
That's a lot of day traders! JK
That's a lot of day traders! JK
Starting to think that side hustles are too glorified on social media. Do they just burn you out?
Gig economy promises freedom, yet it's often unstable and only a small percentage make it work.
Worth it for extra cash, or stick to 9-5?
#Sidehustle
Gig economy promises freedom, yet it's often unstable and only a small percentage make it work.
Worth it for extra cash, or stick to 9-5?
#Sidehustle
December 18, 2025 at 8:33 PM
Starting to think that side hustles are too glorified on social media. Do they just burn you out?
Gig economy promises freedom, yet it's often unstable and only a small percentage make it work.
Worth it for extra cash, or stick to 9-5?
#Sidehustle
Gig economy promises freedom, yet it's often unstable and only a small percentage make it work.
Worth it for extra cash, or stick to 9-5?
#Sidehustle
Personal Finance is much more than just:
"Get paid, spend what you make"
In order to build wealth, it takes a process, which includes budgeting, debt management, investing and enjoying life. But don't let that scare you - Rome wasn't built in a day. (neither was the Louvre)
"Get paid, spend what you make"
In order to build wealth, it takes a process, which includes budgeting, debt management, investing and enjoying life. But don't let that scare you - Rome wasn't built in a day. (neither was the Louvre)
December 18, 2025 at 6:28 PM
Personal Finance is much more than just:
"Get paid, spend what you make"
In order to build wealth, it takes a process, which includes budgeting, debt management, investing and enjoying life. But don't let that scare you - Rome wasn't built in a day. (neither was the Louvre)
"Get paid, spend what you make"
In order to build wealth, it takes a process, which includes budgeting, debt management, investing and enjoying life. But don't let that scare you - Rome wasn't built in a day. (neither was the Louvre)
Stock futures attempting to rebound after the S&P 500 and the 30-stock Dow closed out their fourth negative day.
Coinbase looks to add trading of tokenized versions of traditional assets, including equities.
Strong demand for Olive Garden & LongHorn Steakhouse.
Coinbase looks to add trading of tokenized versions of traditional assets, including equities.
Strong demand for Olive Garden & LongHorn Steakhouse.
December 18, 2025 at 12:50 PM
Stock futures attempting to rebound after the S&P 500 and the 30-stock Dow closed out their fourth negative day.
Coinbase looks to add trading of tokenized versions of traditional assets, including equities.
Strong demand for Olive Garden & LongHorn Steakhouse.
Coinbase looks to add trading of tokenized versions of traditional assets, including equities.
Strong demand for Olive Garden & LongHorn Steakhouse.
People oftentimes make personal finance WAY harder than it has to be.
There are only 3 things you really need to worry about when it comes to your finances:
💠 What you earn
💠 What you save & invest
💠 What you spend
Optimize these three buckets and you're set.
Agree?
There are only 3 things you really need to worry about when it comes to your finances:
💠 What you earn
💠 What you save & invest
💠 What you spend
Optimize these three buckets and you're set.
Agree?
December 17, 2025 at 6:49 PM
People oftentimes make personal finance WAY harder than it has to be.
There are only 3 things you really need to worry about when it comes to your finances:
💠 What you earn
💠 What you save & invest
💠 What you spend
Optimize these three buckets and you're set.
Agree?
There are only 3 things you really need to worry about when it comes to your finances:
💠 What you earn
💠 What you save & invest
💠 What you spend
Optimize these three buckets and you're set.
Agree?
Stock futures look to reverse Tuesday's negative session.
U.S. crude oil prices continue to drop closing at their lowest level since 2021.
Trump designates Venezuela government a ‘terrorist’ regime.
U.S. crude oil prices continue to drop closing at their lowest level since 2021.
Trump designates Venezuela government a ‘terrorist’ regime.
December 17, 2025 at 1:13 PM
Stock futures look to reverse Tuesday's negative session.
U.S. crude oil prices continue to drop closing at their lowest level since 2021.
Trump designates Venezuela government a ‘terrorist’ regime.
U.S. crude oil prices continue to drop closing at their lowest level since 2021.
Trump designates Venezuela government a ‘terrorist’ regime.
Equity futures fall slightly to start Tuesday trading.
November’s jobs report comes in at an increase of 64,000; unemployment rate increased to 4.6%.
Crude Oil price drops 22% this year; increased output or less global demand?
November’s jobs report comes in at an increase of 64,000; unemployment rate increased to 4.6%.
Crude Oil price drops 22% this year; increased output or less global demand?
December 16, 2025 at 2:24 PM
Equity futures fall slightly to start Tuesday trading.
November’s jobs report comes in at an increase of 64,000; unemployment rate increased to 4.6%.
Crude Oil price drops 22% this year; increased output or less global demand?
November’s jobs report comes in at an increase of 64,000; unemployment rate increased to 4.6%.
Crude Oil price drops 22% this year; increased output or less global demand?
S&P 500 and Dow Jones reach new record highs in Thursday's session while the tech heavy Nasdaq struggles.
Athletic apparel maker Lululemon CEO to step down in January.
Home prices are down 1.4% in the last three months.
Athletic apparel maker Lululemon CEO to step down in January.
Home prices are down 1.4% in the last three months.
December 12, 2025 at 12:55 PM
S&P 500 and Dow Jones reach new record highs in Thursday's session while the tech heavy Nasdaq struggles.
Athletic apparel maker Lululemon CEO to step down in January.
Home prices are down 1.4% in the last three months.
Athletic apparel maker Lululemon CEO to step down in January.
Home prices are down 1.4% in the last three months.