@ironmindwealth Content Calendar

The Rule of 72: Divide 72 by your annual return to find how long your money takes to double. 72 ÷ 7% = ~10 years 72 ÷ 10% = ~7 years 72 ÷ 12% = ~6 years Know your number.

4 asset classes every investor should understand: 📈 Equities (stocks) 🏠 Real estate 🔗 Fixed income (bonds) 🪙 Alternatives (commodities, private equity) You don't need all four. You need to understand all four.

What is a fiduciary? A financial advisor legally obligated to act in YOUR best interest — not their commission. Always ask: "Are you a fiduciary?" If they hesitate, walk.

Net worth = Assets − Liabilities Assets: What you OWN (investments, property, cash) Liabilities: What you OWE (mortgage, car loan, credit cards) Track this number monthly. It tells the real story.

The 4% Rule: You can withdraw 4% of your portfolio annually without running out of money (historically). → $500K portfolio = $20K/year → $1M portfolio = $40K/year → $2.5M portfolio = $100K/year Work backward from your income goal.

Dollar-cost averaging (DCA): Investing a fixed amount at regular intervals — regardless of price. Buys more when price is low. Fewer when high. Removes emotion from the equation. Simple. Proven. Most people still don't do it.

Good debt vs. bad debt: Good debt: appreciates or generates income (rental property, business loan, education that increases earning) Bad debt: depreciates or has no return (credit cards, car loans on depreciating assets) Not all debt is the enemy.

What is a HELOC? Home Equity Line of Credit — borrow against your home's equity at low interest rates. Wealthy people use it as a flexible capital tool: → Fund renovations that increase home value → Deploy capital into investments → Bridge financing Know your tools.

The wealth transfer gap: Over $84 trillion will transfer from Baby Boomers to millennials and Gen Z by 2045. Most of it will be mismanaged within 3 generations because of financial illiteracy. Knowledge is the inheritance.

Expense ratio explained: The annual fee a fund charges as a % of your investment. 0.03% (Vanguard index) → $3 per $10,000 1.5% (active fund) → $150 per $10,000 Over 30 years, 1% difference = hundreds of thousands in lost compounding. Fees matter enormously.