10 MONEY LESSONS

EVERYONE SHOULD
LEARN BY 30

GAV BLAXBERG
1
Real estate can help you hit
financial freedom and early
retirement faster than dividend
stocks and this is coming from a
stock guy.

2
The most underrated asset to
invest in isn’t stocks, real estate,
or crypto. It’s yourself.

GAV BLAXBERG
3
By age 30 you should have *at
least* an equivalent of your
salary saved.
If you make $50,000 a year, you
should have $50,000 saved.
If you don’t, you need to catch
up.

4
Save for your retirement first,
then your child’s education.
There are scholarships and
loans for college, but none of
that exists for retirement.
GAV BLAXBERG
5
You CAN save too much
money.
If you have multiple streams
of income save 3 months of
expenses.
If you have 1 stream of
income save 6 months.
If you’re self-employed save
12 months.

GAV BLAXBERG
6
The types of assets in your
investment accounts matters.
Assets for taxable accounts:
ETFs
Long term holds
Qualified dividends
Muni bonds/I-bonds
Assets for tax-advantaged:
REITs
Dividends
Long term holds
Taxable bonds (TIPS)
Actively managed funds

GAV BLAXBERG
7
In general, if you multiply every
$1 you want to spend in
retirement by 25 that’s how
much you need to save.
If you want to spend $60,000 a
year in retirement you need to
save around $1.5 million.

8
Your car loan should be
counted against your net worth
but the car itself shouldn’t be
counted towards your net worth.
In other words, count the debt,
but not the “asset.”
GAV BLAXBERG
9
Credit cards get a bad rep
because most people can’t
control their spending
Credit cards are a tool.
They can be used to create
something beautiful (free
vacations)
Or they can be used to
destroy (compounding
high-interest debt)

GAV BLAXBERG
10
Every time you spend your
pay raise you’re making it
more expensive to retire
It’s okay to spend more as
you make more, but keep it
to a minimum.

Spend 25% of your pay

increase, save/invest the
other 75%.

GAV BLAXBERG
Thank you for reading!

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