TJ Terwilliger
@tj-terwilliger.bsky.social
Finance and investing. I like shareholder yield however I can get it, and no-brainers.
Find more of my writing at:
https://www.compoundingdividends.net
https://tjterwilliger.substack.com/
Find more of my writing at:
https://www.compoundingdividends.net
https://tjterwilliger.substack.com/
Wells Fargo, Compass Point, and others are cutting $PYPL price targets.
Compass Point just dropped theirs to $56.
Should long-term investors be worried?
Let me show you what's really happening (and what Wall Street doesn't want you to see):
Compass Point just dropped theirs to $56.
Should long-term investors be worried?
Let me show you what's really happening (and what Wall Street doesn't want you to see):
December 11, 2025 at 5:58 PM
Wells Fargo, Compass Point, and others are cutting $PYPL price targets.
Compass Point just dropped theirs to $56.
Should long-term investors be worried?
Let me show you what's really happening (and what Wall Street doesn't want you to see):
Compass Point just dropped theirs to $56.
Should long-term investors be worried?
Let me show you what's really happening (and what Wall Street doesn't want you to see):
Don't take the markets personally:
December 11, 2025 at 1:58 PM
Don't take the markets personally:
Build a latticework of mental models
Knowing a lot about one thing isn’t enough.
You have to know the big ideas from multiple fields, and how they connect.
Focus on the things that change slowly.
Knowing a lot about one thing isn’t enough.
You have to know the big ideas from multiple fields, and how they connect.
Focus on the things that change slowly.
December 11, 2025 at 12:03 PM
Build a latticework of mental models
Knowing a lot about one thing isn’t enough.
You have to know the big ideas from multiple fields, and how they connect.
Focus on the things that change slowly.
Knowing a lot about one thing isn’t enough.
You have to know the big ideas from multiple fields, and how they connect.
Focus on the things that change slowly.
Your income gets you in the game.
Your savings rate keeps you in it.
I've seen people making $60K build $500K portfolios.
And people making $200K living paycheck to paycheck.
The difference? One saved 20% consistently. The other saved whatever was left over.
Guess which one retired early.
Your savings rate keeps you in it.
I've seen people making $60K build $500K portfolios.
And people making $200K living paycheck to paycheck.
The difference? One saved 20% consistently. The other saved whatever was left over.
Guess which one retired early.
December 10, 2025 at 5:56 PM
Your income gets you in the game.
Your savings rate keeps you in it.
I've seen people making $60K build $500K portfolios.
And people making $200K living paycheck to paycheck.
The difference? One saved 20% consistently. The other saved whatever was left over.
Guess which one retired early.
Your savings rate keeps you in it.
I've seen people making $60K build $500K portfolios.
And people making $200K living paycheck to paycheck.
The difference? One saved 20% consistently. The other saved whatever was left over.
Guess which one retired early.
20 Quotes From Benjamin Graham:
December 10, 2025 at 2:04 PM
20 Quotes From Benjamin Graham:
This is Howard Marks.
Warren Buffett says when one of Howard's memos hits his desk, he stops what he's doing and reads it.
He just released a new one asking: Is AI a bubble?
Here's what he sees happening now (and why this time might actually be different):
Warren Buffett says when one of Howard's memos hits his desk, he stops what he's doing and reads it.
He just released a new one asking: Is AI a bubble?
Here's what he sees happening now (and why this time might actually be different):
December 10, 2025 at 11:56 AM
This is Howard Marks.
Warren Buffett says when one of Howard's memos hits his desk, he stops what he's doing and reads it.
He just released a new one asking: Is AI a bubble?
Here's what he sees happening now (and why this time might actually be different):
Warren Buffett says when one of Howard's memos hits his desk, he stops what he's doing and reads it.
He just released a new one asking: Is AI a bubble?
Here's what he sees happening now (and why this time might actually be different):
$ARE cut the dividend by 45%, but management is optimistic about the future of the life science industry.
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
December 5, 2025 at 3:01 PM
$ARE cut the dividend by 45%, but management is optimistic about the future of the life science industry.
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
It's currently at around $47/share and analysts think there's about $94/share of net asset value.
Anyone interested?
Reminder that when your account is small, your savings rate matters more than your investment returns.
December 4, 2025 at 5:58 PM
Reminder that when your account is small, your savings rate matters more than your investment returns.
25 Cognitive Biases from Munger's Psychology of Human Misjudgment speech:
December 4, 2025 at 1:56 PM
25 Cognitive Biases from Munger's Psychology of Human Misjudgment speech:
20 Most Common Investing Mistakes
December 4, 2025 at 11:59 AM
20 Most Common Investing Mistakes
Getting jealous over someone else's portfolio just leads to panic buying, or chasing hot stocks.
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
December 3, 2025 at 6:00 PM
Getting jealous over someone else's portfolio just leads to panic buying, or chasing hot stocks.
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Envy is a 'total net loss' because it doesn't help you, and distracts you from focusing on your own long-term plan.
Plus, it's not even fun!
Mistakes new investors make
December 3, 2025 at 2:02 PM
Mistakes new investors make
You don't just pay fees on your initial investment.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
December 3, 2025 at 12:00 PM
You don't just pay fees on your initial investment.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
You pay them on every dollar of growth too.
A 2.3% annual fee over 20 years can cost you £100,000 compared to a 0.3% fee.
Same investments. Same strategy. £100,000 less.
Always choose the lowest-fee funds and brokerage accounts.
Bob Farrell's 10 Market Rules to Remember
December 2, 2025 at 5:58 PM
Bob Farrell's 10 Market Rules to Remember
If you're worried about how to put food on the table tonight, it's really hard to think about a 10% return next year.
Here's why emergency savings matter more than investing: 👇
Here's why emergency savings matter more than investing: 👇
December 2, 2025 at 2:42 PM
If you're worried about how to put food on the table tonight, it's really hard to think about a 10% return next year.
Here's why emergency savings matter more than investing: 👇
Here's why emergency savings matter more than investing: 👇
4 Tools to Make Great Decisions
December 1, 2025 at 6:04 PM
4 Tools to Make Great Decisions
You don't need to catch the bottom.
You don't need to sell at the top.
You just need to buy good businesses when they're reasonably priced and hold them.
That's it. That's the post.
You don't need to sell at the top.
You just need to buy good businesses when they're reasonably priced and hold them.
That's it. That's the post.
December 1, 2025 at 1:56 PM
You don't need to catch the bottom.
You don't need to sell at the top.
You just need to buy good businesses when they're reasonably priced and hold them.
That's it. That's the post.
You don't need to sell at the top.
You just need to buy good businesses when they're reasonably priced and hold them.
That's it. That's the post.
Every dividend you collect is a small piece of freedom.
Today it might cover your Netflix bill.
In 10 years? Maybe your rent.
In 20 years? Maybe everything.
That's the game.
Today it might cover your Netflix bill.
In 10 years? Maybe your rent.
In 20 years? Maybe everything.
That's the game.
December 1, 2025 at 12:02 PM
Every dividend you collect is a small piece of freedom.
Today it might cover your Netflix bill.
In 10 years? Maybe your rent.
In 20 years? Maybe everything.
That's the game.
Today it might cover your Netflix bill.
In 10 years? Maybe your rent.
In 20 years? Maybe everything.
That's the game.
The stock market rewards two types of people:
1. Those who know what they're doing
2. Those who do nothing
Guess which one is easier?
1. Those who know what they're doing
2. Those who do nothing
Guess which one is easier?
November 30, 2025 at 5:59 PM
The stock market rewards two types of people:
1. Those who know what they're doing
2. Those who do nothing
Guess which one is easier?
1. Those who know what they're doing
2. Those who do nothing
Guess which one is easier?
Who Owns Stocks
November 30, 2025 at 1:56 PM
Who Owns Stocks
Before you buy a dividend stock, ask yourself one question:
Can this company actually afford to pay me?
Here's my 5-point dividend safety checklist: 👇
Can this company actually afford to pay me?
Here's my 5-point dividend safety checklist: 👇
November 30, 2025 at 11:59 AM
Before you buy a dividend stock, ask yourself one question:
Can this company actually afford to pay me?
Here's my 5-point dividend safety checklist: 👇
Can this company actually afford to pay me?
Here's my 5-point dividend safety checklist: 👇
The best and worst performers in the @CompoundingW investable universe this month:
November 29, 2025 at 6:04 PM
The best and worst performers in the @CompoundingW investable universe this month:
Retirement Savings by Age
November 29, 2025 at 1:59 PM
Retirement Savings by Age
Doing nothing is a strategy.
November 29, 2025 at 12:04 PM
Doing nothing is a strategy.