Drew Curtis
@drewcurtis21.bsky.social
Financial coach and mortgage loan officer helping people get their money right.
Reposted by Drew Curtis
The best financial plans are the ones you can set and forget.
When your system runs in the background, you free up mental space for the big picture.
🧵
When your system runs in the background, you free up mental space for the big picture.
🧵
April 17, 2025 at 3:34 PM
The best financial plans are the ones you can set and forget.
When your system runs in the background, you free up mental space for the big picture.
🧵
When your system runs in the background, you free up mental space for the big picture.
🧵
Reposted by Drew Curtis
Want to reach your financial goals and actually retire one day?
Prioritize saving and investing.
The key: automate it so you don’t have to think about it.
Here are the easiest ways to automate your savings:
🧵
Prioritize saving and investing.
The key: automate it so you don’t have to think about it.
Here are the easiest ways to automate your savings:
🧵
April 15, 2025 at 2:02 PM
Want to reach your financial goals and actually retire one day?
Prioritize saving and investing.
The key: automate it so you don’t have to think about it.
Here are the easiest ways to automate your savings:
🧵
Prioritize saving and investing.
The key: automate it so you don’t have to think about it.
Here are the easiest ways to automate your savings:
🧵
Reposted by Drew Curtis
Want a simpler money system?
You really only need 3 accounts. 👇
🧵
You really only need 3 accounts. 👇
🧵
April 14, 2025 at 2:18 PM
Want a simpler money system?
You really only need 3 accounts. 👇
🧵
You really only need 3 accounts. 👇
🧵
Reposted by Drew Curtis
Most people don’t need a financial advisor to manage their investments.
Their fees can eat into your returns and they often underperform simple strategies like total market index funds or target date funds.
If you want help, look for a fee-only advisor, not one earning commissions.
Their fees can eat into your returns and they often underperform simple strategies like total market index funds or target date funds.
If you want help, look for a fee-only advisor, not one earning commissions.
April 11, 2025 at 2:01 PM
Most people don’t need a financial advisor to manage their investments.
Their fees can eat into your returns and they often underperform simple strategies like total market index funds or target date funds.
If you want help, look for a fee-only advisor, not one earning commissions.
Their fees can eat into your returns and they often underperform simple strategies like total market index funds or target date funds.
If you want help, look for a fee-only advisor, not one earning commissions.
Reposted by Drew Curtis
Worried about all the market volatility right now?
Zoom out.
The market can swing wildly day to day, but if you’re in it for the long haul, stick to the plan, stay consistent, and let time do the work.
Stay calm, zoom out, and relax 😎
Zoom out.
The market can swing wildly day to day, but if you’re in it for the long haul, stick to the plan, stay consistent, and let time do the work.
Stay calm, zoom out, and relax 😎
April 10, 2025 at 5:18 PM
Worried about all the market volatility right now?
Zoom out.
The market can swing wildly day to day, but if you’re in it for the long haul, stick to the plan, stay consistent, and let time do the work.
Stay calm, zoom out, and relax 😎
Zoom out.
The market can swing wildly day to day, but if you’re in it for the long haul, stick to the plan, stay consistent, and let time do the work.
Stay calm, zoom out, and relax 😎
Reposted by Drew Curtis
Traditional vs. Roth (401k or IRA):
📌 Traditional = Contribute pre-tax → Pay taxes when you withdraw
📌 Roth = Contribute after-tax → Withdraw tax-free in retirement
Both have pros and cons. I like using a mix to get the best of both.
📌 Traditional = Contribute pre-tax → Pay taxes when you withdraw
📌 Roth = Contribute after-tax → Withdraw tax-free in retirement
Both have pros and cons. I like using a mix to get the best of both.
April 9, 2025 at 2:27 PM
Traditional vs. Roth (401k or IRA):
📌 Traditional = Contribute pre-tax → Pay taxes when you withdraw
📌 Roth = Contribute after-tax → Withdraw tax-free in retirement
Both have pros and cons. I like using a mix to get the best of both.
📌 Traditional = Contribute pre-tax → Pay taxes when you withdraw
📌 Roth = Contribute after-tax → Withdraw tax-free in retirement
Both have pros and cons. I like using a mix to get the best of both.
Reposted by Drew Curtis
How much do you need to retire?
It depends.
⏳ When do you want to stop working?
🏝️ What kind of lifestyle do you want?
There’s no one-size-fits-all answer, but the earlier you start saving and investing, the easier that future becomes 😎
It depends.
⏳ When do you want to stop working?
🏝️ What kind of lifestyle do you want?
There’s no one-size-fits-all answer, but the earlier you start saving and investing, the easier that future becomes 😎
April 8, 2025 at 2:44 PM
How much do you need to retire?
It depends.
⏳ When do you want to stop working?
🏝️ What kind of lifestyle do you want?
There’s no one-size-fits-all answer, but the earlier you start saving and investing, the easier that future becomes 😎
It depends.
⏳ When do you want to stop working?
🏝️ What kind of lifestyle do you want?
There’s no one-size-fits-all answer, but the earlier you start saving and investing, the easier that future becomes 😎
Reposted by Drew Curtis
One of the biggest investing mistakes? Depositing money into an account but not actually investing it.
Opening an account is step one. Choosing investments is step two.
Make sure your money is working for you so you don’t miss out on compound growth! 🚀
Opening an account is step one. Choosing investments is step two.
Make sure your money is working for you so you don’t miss out on compound growth! 🚀
March 28, 2025 at 2:38 PM
One of the biggest investing mistakes? Depositing money into an account but not actually investing it.
Opening an account is step one. Choosing investments is step two.
Make sure your money is working for you so you don’t miss out on compound growth! 🚀
Opening an account is step one. Choosing investments is step two.
Make sure your money is working for you so you don’t miss out on compound growth! 🚀
Reposted by Drew Curtis
🚀 One of the best-kept secrets in retirement planning? The HSA (Health Savings Account).
✅ Contributions = tax-free ✅ Growth = tax-free ✅ Withdrawals = tax-free (after 65)
Only available with a high-deductible health plan (HDHP), but a great way to invest more & pay less tax!
✅ Contributions = tax-free ✅ Growth = tax-free ✅ Withdrawals = tax-free (after 65)
Only available with a high-deductible health plan (HDHP), but a great way to invest more & pay less tax!
March 27, 2025 at 2:13 PM
🚀 One of the best-kept secrets in retirement planning? The HSA (Health Savings Account).
✅ Contributions = tax-free ✅ Growth = tax-free ✅ Withdrawals = tax-free (after 65)
Only available with a high-deductible health plan (HDHP), but a great way to invest more & pay less tax!
✅ Contributions = tax-free ✅ Growth = tax-free ✅ Withdrawals = tax-free (after 65)
Only available with a high-deductible health plan (HDHP), but a great way to invest more & pay less tax!
Reposted by Drew Curtis
Ready to invest? Here’s where to start:
1️⃣ Contribute to your 401(k)/403(b) up to the employer match (free money!) 2️⃣ Max out a Roth IRA 3️⃣ Max your 401(k) 4️⃣ Invest in a brokerage account
💡 Use a target-date fund or low-cost index funds. Stick to this, and you’re on the right track!
1️⃣ Contribute to your 401(k)/403(b) up to the employer match (free money!) 2️⃣ Max out a Roth IRA 3️⃣ Max your 401(k) 4️⃣ Invest in a brokerage account
💡 Use a target-date fund or low-cost index funds. Stick to this, and you’re on the right track!
March 26, 2025 at 2:00 PM
Ready to invest? Here’s where to start:
1️⃣ Contribute to your 401(k)/403(b) up to the employer match (free money!) 2️⃣ Max out a Roth IRA 3️⃣ Max your 401(k) 4️⃣ Invest in a brokerage account
💡 Use a target-date fund or low-cost index funds. Stick to this, and you’re on the right track!
1️⃣ Contribute to your 401(k)/403(b) up to the employer match (free money!) 2️⃣ Max out a Roth IRA 3️⃣ Max your 401(k) 4️⃣ Invest in a brokerage account
💡 Use a target-date fund or low-cost index funds. Stick to this, and you’re on the right track!
Reposted by Drew Curtis
It’s never too early to start investing, even if it’s just small amounts.
💰 Low income? Invest.
💳 Have debt? Invest.
🧑🎓 Too young? Nope - invest.
Once you see how fast it grows you’ll wish you started sooner.
💰 Low income? Invest.
💳 Have debt? Invest.
🧑🎓 Too young? Nope - invest.
Once you see how fast it grows you’ll wish you started sooner.
March 25, 2025 at 2:00 PM
It’s never too early to start investing, even if it’s just small amounts.
💰 Low income? Invest.
💳 Have debt? Invest.
🧑🎓 Too young? Nope - invest.
Once you see how fast it grows you’ll wish you started sooner.
💰 Low income? Invest.
💳 Have debt? Invest.
🧑🎓 Too young? Nope - invest.
Once you see how fast it grows you’ll wish you started sooner.
Reposted by Drew Curtis
Saving alone won’t make you rich, you have to invest.
Start early, keep it simple and stay consistent.
The best time to start was yesterday.
The next best time? Today!
Start early, keep it simple and stay consistent.
The best time to start was yesterday.
The next best time? Today!
March 24, 2025 at 2:29 PM
Saving alone won’t make you rich, you have to invest.
Start early, keep it simple and stay consistent.
The best time to start was yesterday.
The next best time? Today!
Start early, keep it simple and stay consistent.
The best time to start was yesterday.
The next best time? Today!
Reposted by Drew Curtis
The best way to split expenses as a couple (if you haven’t combined finances) depends on income.
💰 If incomes are similar → 50/50 split works.
📊 If one earns more → split based on % of income.
Know your numbers, have the convo, and figure out what works for both of you 🤝
💰 If incomes are similar → 50/50 split works.
📊 If one earns more → split based on % of income.
Know your numbers, have the convo, and figure out what works for both of you 🤝
March 21, 2025 at 2:13 PM
The best way to split expenses as a couple (if you haven’t combined finances) depends on income.
💰 If incomes are similar → 50/50 split works.
📊 If one earns more → split based on % of income.
Know your numbers, have the convo, and figure out what works for both of you 🤝
💰 If incomes are similar → 50/50 split works.
📊 If one earns more → split based on % of income.
Know your numbers, have the convo, and figure out what works for both of you 🤝
Reposted by Drew Curtis
💰 Separate accounts or joint finances?
It depends!
Combining makes life easier, but it’s not a must.
Some couples keep separate accounts for personal spending while sharing joint expenses.
There is no right answer, but as always, communication is the key.
What works for you?
It depends!
Combining makes life easier, but it’s not a must.
Some couples keep separate accounts for personal spending while sharing joint expenses.
There is no right answer, but as always, communication is the key.
What works for you?
March 20, 2025 at 2:06 PM
💰 Separate accounts or joint finances?
It depends!
Combining makes life easier, but it’s not a must.
Some couples keep separate accounts for personal spending while sharing joint expenses.
There is no right answer, but as always, communication is the key.
What works for you?
It depends!
Combining makes life easier, but it’s not a must.
Some couples keep separate accounts for personal spending while sharing joint expenses.
There is no right answer, but as always, communication is the key.
What works for you?
Reposted by Drew Curtis
The biggest money mistake I see couples make?
Waiting until there’s a problem to talk about it.
When emotions are high, it’s the worst time to have the money talk.
The best time?
Early and often.
Regular conversations = fewer surprises and fewer fights.
Waiting until there’s a problem to talk about it.
When emotions are high, it’s the worst time to have the money talk.
The best time?
Early and often.
Regular conversations = fewer surprises and fewer fights.
March 19, 2025 at 3:16 PM
The biggest money mistake I see couples make?
Waiting until there’s a problem to talk about it.
When emotions are high, it’s the worst time to have the money talk.
The best time?
Early and often.
Regular conversations = fewer surprises and fewer fights.
Waiting until there’s a problem to talk about it.
When emotions are high, it’s the worst time to have the money talk.
The best time?
Early and often.
Regular conversations = fewer surprises and fewer fights.
Reposted by Drew Curtis
Want to buy a house?
Start saving NOW, even if it’s just a little.
Building the habit early makes a huge difference when it’s time to buy.
Set up automatic transfers, open a dedicated account, and you’ll be ready when the right house comes along.
Start saving NOW, even if it’s just a little.
Building the habit early makes a huge difference when it’s time to buy.
Set up automatic transfers, open a dedicated account, and you’ll be ready when the right house comes along.
March 13, 2025 at 8:19 PM
Want to buy a house?
Start saving NOW, even if it’s just a little.
Building the habit early makes a huge difference when it’s time to buy.
Set up automatic transfers, open a dedicated account, and you’ll be ready when the right house comes along.
Start saving NOW, even if it’s just a little.
Building the habit early makes a huge difference when it’s time to buy.
Set up automatic transfers, open a dedicated account, and you’ll be ready when the right house comes along.
Reposted by Drew Curtis
When you buy a home, your mortgage is just the start.
Other costs add up fast:
🏡 Property taxes
🛡️ Insurance & mortgage insurance
🏘️ HOA fees
🌱 Lawn care
🔧 Maintenance
Run the numbers first, homeownership gets expensive, and you don’t want to end up house poor.
Other costs add up fast:
🏡 Property taxes
🛡️ Insurance & mortgage insurance
🏘️ HOA fees
🌱 Lawn care
🔧 Maintenance
Run the numbers first, homeownership gets expensive, and you don’t want to end up house poor.
March 12, 2025 at 5:03 PM
When you buy a home, your mortgage is just the start.
Other costs add up fast:
🏡 Property taxes
🛡️ Insurance & mortgage insurance
🏘️ HOA fees
🌱 Lawn care
🔧 Maintenance
Run the numbers first, homeownership gets expensive, and you don’t want to end up house poor.
Other costs add up fast:
🏡 Property taxes
🛡️ Insurance & mortgage insurance
🏘️ HOA fees
🌱 Lawn care
🔧 Maintenance
Run the numbers first, homeownership gets expensive, and you don’t want to end up house poor.
Reposted by Drew Curtis
Thinking about buying a house? 🏡
You got pre-approved, great! But can you actually afford that home?
What lenders say you qualify for and what you can comfortably afford might be very different.
Here are 3 key things you MUST check before buying: 🧵👇
You got pre-approved, great! But can you actually afford that home?
What lenders say you qualify for and what you can comfortably afford might be very different.
Here are 3 key things you MUST check before buying: 🧵👇
March 11, 2025 at 2:18 PM
Thinking about buying a house? 🏡
You got pre-approved, great! But can you actually afford that home?
What lenders say you qualify for and what you can comfortably afford might be very different.
Here are 3 key things you MUST check before buying: 🧵👇
You got pre-approved, great! But can you actually afford that home?
What lenders say you qualify for and what you can comfortably afford might be very different.
Here are 3 key things you MUST check before buying: 🧵👇
Reposted by Drew Curtis
To rent or to buy, that is the question…
With high prices and rates, renting makes sense for many. But if you're ready to buy, the most important thing is running the numbers so your mortgage doesn’t stretch you too thin.
Are you team rent or team buy right now?
With high prices and rates, renting makes sense for many. But if you're ready to buy, the most important thing is running the numbers so your mortgage doesn’t stretch you too thin.
Are you team rent or team buy right now?
March 10, 2025 at 2:39 PM
To rent or to buy, that is the question…
With high prices and rates, renting makes sense for many. But if you're ready to buy, the most important thing is running the numbers so your mortgage doesn’t stretch you too thin.
Are you team rent or team buy right now?
With high prices and rates, renting makes sense for many. But if you're ready to buy, the most important thing is running the numbers so your mortgage doesn’t stretch you too thin.
Are you team rent or team buy right now?
Reposted by Drew Curtis
You can check your credit report for free at annualcreditreport.com – not just once a year, but weekly!
If you’ve never done this, now’s the time.
Fraud happens more than you think, and you don’t want to find out when you actually need your credit score to be high.
If you’ve never done this, now’s the time.
Fraud happens more than you think, and you don’t want to find out when you actually need your credit score to be high.
Annual Credit Report.com - Home Page
ACR Home Page
annualcreditreport.com
March 7, 2025 at 3:01 PM
You can check your credit report for free at annualcreditreport.com – not just once a year, but weekly!
If you’ve never done this, now’s the time.
Fraud happens more than you think, and you don’t want to find out when you actually need your credit score to be high.
If you’ve never done this, now’s the time.
Fraud happens more than you think, and you don’t want to find out when you actually need your credit score to be high.
Reposted by Drew Curtis
Credit cards can be a great financial tool, but they’re also full of traps that banks hope you fall into:
- High annual fees
- 0% balance transfers
- Low minimum payments
Read on to find out more 🧵👇
- High annual fees
- 0% balance transfers
- Low minimum payments
Read on to find out more 🧵👇
March 6, 2025 at 3:22 PM
Credit cards can be a great financial tool, but they’re also full of traps that banks hope you fall into:
- High annual fees
- 0% balance transfers
- Low minimum payments
Read on to find out more 🧵👇
- High annual fees
- 0% balance transfers
- Low minimum payments
Read on to find out more 🧵👇
Reposted by Drew Curtis
Buried in credit card debt? It can feel impossible to escape, but there’s a way out!
1️⃣ Pay minimums on all cards except the smallest-throw extra cash at it.
2️⃣ Once paid off, roll that payment to the next smallest debt.
3️⃣ Repeat until debt-free!
The debt snowball builds momentum with small wins! 🚀
1️⃣ Pay minimums on all cards except the smallest-throw extra cash at it.
2️⃣ Once paid off, roll that payment to the next smallest debt.
3️⃣ Repeat until debt-free!
The debt snowball builds momentum with small wins! 🚀
March 5, 2025 at 3:07 PM
Buried in credit card debt? It can feel impossible to escape, but there’s a way out!
1️⃣ Pay minimums on all cards except the smallest-throw extra cash at it.
2️⃣ Once paid off, roll that payment to the next smallest debt.
3️⃣ Repeat until debt-free!
The debt snowball builds momentum with small wins! 🚀
1️⃣ Pay minimums on all cards except the smallest-throw extra cash at it.
2️⃣ Once paid off, roll that payment to the next smallest debt.
3️⃣ Repeat until debt-free!
The debt snowball builds momentum with small wins! 🚀
Reposted by Drew Curtis
💳 Want a better credit score? You have to play by the rules.
Our credit system isn’t great, but if you ever want to finance anything - house, car, business - you need a strong score.
Here’s exactly how to build and maintain a high credit score: 🧵👇
Our credit system isn’t great, but if you ever want to finance anything - house, car, business - you need a strong score.
Here’s exactly how to build and maintain a high credit score: 🧵👇
March 4, 2025 at 3:08 PM
💳 Want a better credit score? You have to play by the rules.
Our credit system isn’t great, but if you ever want to finance anything - house, car, business - you need a strong score.
Here’s exactly how to build and maintain a high credit score: 🧵👇
Our credit system isn’t great, but if you ever want to finance anything - house, car, business - you need a strong score.
Here’s exactly how to build and maintain a high credit score: 🧵👇
Reposted by Drew Curtis
Credit cards can be a powerful tool if used correctly.
Here’s what you get:
✔️ Points & miles (free money!) ✔️ Discounts on things you already buy ✔️ Extra security & fraud protection ✔️ A boosted credit score
Just make sure you have a plan and only spend what you can pay off in full each month.
Here’s what you get:
✔️ Points & miles (free money!) ✔️ Discounts on things you already buy ✔️ Extra security & fraud protection ✔️ A boosted credit score
Just make sure you have a plan and only spend what you can pay off in full each month.
March 3, 2025 at 3:03 PM
Credit cards can be a powerful tool if used correctly.
Here’s what you get:
✔️ Points & miles (free money!) ✔️ Discounts on things you already buy ✔️ Extra security & fraud protection ✔️ A boosted credit score
Just make sure you have a plan and only spend what you can pay off in full each month.
Here’s what you get:
✔️ Points & miles (free money!) ✔️ Discounts on things you already buy ✔️ Extra security & fraud protection ✔️ A boosted credit score
Just make sure you have a plan and only spend what you can pay off in full each month.
Reposted by Drew Curtis
Ever heard that cutting expenses means skipping your daily latte? But you love your local coffee shop?
Don’t stress about it!
It’s not about the coffee.
Focus on saving in other areas that matter less to you, and keep the things you enjoy.
Don’t stress about it!
It’s not about the coffee.
Focus on saving in other areas that matter less to you, and keep the things you enjoy.
February 28, 2025 at 3:00 PM
Ever heard that cutting expenses means skipping your daily latte? But you love your local coffee shop?
Don’t stress about it!
It’s not about the coffee.
Focus on saving in other areas that matter less to you, and keep the things you enjoy.
Don’t stress about it!
It’s not about the coffee.
Focus on saving in other areas that matter less to you, and keep the things you enjoy.