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
President Trump will reportedly unveil a plan allowing 401(k) retirement plans holders to use their money for down payments on a home purchase.
“We’re going to allow people to take money out of their 401(k)s and use that for a down payment,” - Economic Advisor Kevin Hassett.
“We’re going to allow people to take money out of their 401(k)s and use that for a down payment,” - Economic Advisor Kevin Hassett.
January 16, 2026 at 5:46 PM
President Trump will reportedly unveil a plan allowing 401(k) retirement plans holders to use their money for down payments on a home purchase.
“We’re going to allow people to take money out of their 401(k)s and use that for a down payment,” - Economic Advisor Kevin Hassett.
“We’re going to allow people to take money out of their 401(k)s and use that for a down payment,” - Economic Advisor Kevin Hassett.
Millionaires rarely start rich.
They build wealth through daily discipline plus smart money habits.
Want the exact personal finance concepts that make it possible?
My FREE weekly newsletter delivers them straight to your inbox. Sign up today.
7picosfinance.com/newsletter
They build wealth through daily discipline plus smart money habits.
Want the exact personal finance concepts that make it possible?
My FREE weekly newsletter delivers them straight to your inbox. Sign up today.
7picosfinance.com/newsletter
January 16, 2026 at 4:25 PM
Millionaires rarely start rich.
They build wealth through daily discipline plus smart money habits.
Want the exact personal finance concepts that make it possible?
My FREE weekly newsletter delivers them straight to your inbox. Sign up today.
7picosfinance.com/newsletter
They build wealth through daily discipline plus smart money habits.
Want the exact personal finance concepts that make it possible?
My FREE weekly newsletter delivers them straight to your inbox. Sign up today.
7picosfinance.com/newsletter
Futures looking to end week on high note but the major averages are heading for losses on the week, with the S&P 500 off 0.3% and the Nasdaq down 0.6%. The Dow is down 0.1% week to date.
U.S. Senators vote on crypto bill hits a wall including opposition from Coinbase.
U.S. Senators vote on crypto bill hits a wall including opposition from Coinbase.
January 16, 2026 at 12:44 PM
Futures looking to end week on high note but the major averages are heading for losses on the week, with the S&P 500 off 0.3% and the Nasdaq down 0.6%. The Dow is down 0.1% week to date.
U.S. Senators vote on crypto bill hits a wall including opposition from Coinbase.
U.S. Senators vote on crypto bill hits a wall including opposition from Coinbase.
Suddenly, I find myself searching everywhere around my house for quarters that were minted prior to 1964.
Anyone else?
Anyone else?
January 15, 2026 at 1:54 PM
Suddenly, I find myself searching everywhere around my house for quarters that were minted prior to 1964.
Anyone else?
Anyone else?
Futures green as market looks to rebound from Wednesday's move lower.
Oil prices drop 3% on doubt of American strike on Iran.
Gold and Silver see continued strength; Gold above $4,600 and Silver above $90.
Oil prices drop 3% on doubt of American strike on Iran.
Gold and Silver see continued strength; Gold above $4,600 and Silver above $90.
January 15, 2026 at 12:16 PM
Futures green as market looks to rebound from Wednesday's move lower.
Oil prices drop 3% on doubt of American strike on Iran.
Gold and Silver see continued strength; Gold above $4,600 and Silver above $90.
Oil prices drop 3% on doubt of American strike on Iran.
Gold and Silver see continued strength; Gold above $4,600 and Silver above $90.
December core consumer prices rose at a 2.6% annual rate (0.3% in December), less than expected.
Futures push higher after Monday saw the S&P 500 and Dow hitting all-time highs.
Earnings season kicks off with JPMorgan Chase topping estimates.
Futures push higher after Monday saw the S&P 500 and Dow hitting all-time highs.
Earnings season kicks off with JPMorgan Chase topping estimates.
January 13, 2026 at 1:46 PM
December core consumer prices rose at a 2.6% annual rate (0.3% in December), less than expected.
Futures push higher after Monday saw the S&P 500 and Dow hitting all-time highs.
Earnings season kicks off with JPMorgan Chase topping estimates.
Futures push higher after Monday saw the S&P 500 and Dow hitting all-time highs.
Earnings season kicks off with JPMorgan Chase topping estimates.
I drink coffee only for the taste (and routine).
I tell myself that's it to "wake me up" or "to focus" but truth is........ I don't think it does that.
Had an espresso 30 minutes before bed last night and I fell asleep immediately.
Anyone else the same?
I tell myself that's it to "wake me up" or "to focus" but truth is........ I don't think it does that.
Had an espresso 30 minutes before bed last night and I fell asleep immediately.
Anyone else the same?
January 13, 2026 at 12:29 PM
I drink coffee only for the taste (and routine).
I tell myself that's it to "wake me up" or "to focus" but truth is........ I don't think it does that.
Had an espresso 30 minutes before bed last night and I fell asleep immediately.
Anyone else the same?
I tell myself that's it to "wake me up" or "to focus" but truth is........ I don't think it does that.
Had an espresso 30 minutes before bed last night and I fell asleep immediately.
Anyone else the same?
Are you "financially disorganized"?
Symptoms include, but are not limited to:
🚨 No Budgeting
🚨 Untracked Expenses
🚨 Missed Payments
🚨 Unorganized Paperwork
🚨 No Savings Plan
🚨 High Debt
🚨 Lack of Financial Goals
Make 2026 the year you get your finances in check!
Symptoms include, but are not limited to:
🚨 No Budgeting
🚨 Untracked Expenses
🚨 Missed Payments
🚨 Unorganized Paperwork
🚨 No Savings Plan
🚨 High Debt
🚨 Lack of Financial Goals
Make 2026 the year you get your finances in check!
January 12, 2026 at 6:47 PM
Are you "financially disorganized"?
Symptoms include, but are not limited to:
🚨 No Budgeting
🚨 Untracked Expenses
🚨 Missed Payments
🚨 Unorganized Paperwork
🚨 No Savings Plan
🚨 High Debt
🚨 Lack of Financial Goals
Make 2026 the year you get your finances in check!
Symptoms include, but are not limited to:
🚨 No Budgeting
🚨 Untracked Expenses
🚨 Missed Payments
🚨 Unorganized Paperwork
🚨 No Savings Plan
🚨 High Debt
🚨 Lack of Financial Goals
Make 2026 the year you get your finances in check!
Personal Finance is just that.......
Personal.
We all strive for different goals - we put more value on certain achievements than others.
And that’s OK
The six goals I listed are my thoughts. How would YOU personalize yours??
Personal.
We all strive for different goals - we put more value on certain achievements than others.
And that’s OK
The six goals I listed are my thoughts. How would YOU personalize yours??
January 12, 2026 at 3:08 PM
Personal Finance is just that.......
Personal.
We all strive for different goals - we put more value on certain achievements than others.
And that’s OK
The six goals I listed are my thoughts. How would YOU personalize yours??
Personal.
We all strive for different goals - we put more value on certain achievements than others.
And that’s OK
The six goals I listed are my thoughts. How would YOU personalize yours??
Trump's DOJ opens criminal investigation into Fed Chair Jerome Powell; Trump has wanted Powell to drop interest rates.
Trump warns credit card firms of 10% interest cap after January 20th.
Trump warns credit card firms of 10% interest cap after January 20th.
January 12, 2026 at 12:19 PM
Trump's DOJ opens criminal investigation into Fed Chair Jerome Powell; Trump has wanted Powell to drop interest rates.
Trump warns credit card firms of 10% interest cap after January 20th.
Trump warns credit card firms of 10% interest cap after January 20th.
Parents: the most important thing you can do for your child, even more so than private math tutoring or one-on-one lacrosse sessions, is teaching them sound personal finance concepts.
There is NOTHING that will impact their lives more positively than this.
PERIOD.
There is NOTHING that will impact their lives more positively than this.
PERIOD.
January 9, 2026 at 8:50 PM
Parents: the most important thing you can do for your child, even more so than private math tutoring or one-on-one lacrosse sessions, is teaching them sound personal finance concepts.
There is NOTHING that will impact their lives more positively than this.
PERIOD.
There is NOTHING that will impact their lives more positively than this.
PERIOD.
From investing ideas to analyzing the current state of the housing market.
From maximizing company benefits to the art of spending money.
The FREE 7 Picos Finance newsletter gives personal finance concepts you need for your positive financial journey.
Sign up today at 7picosfinance.com/newsletter
From maximizing company benefits to the art of spending money.
The FREE 7 Picos Finance newsletter gives personal finance concepts you need for your positive financial journey.
Sign up today at 7picosfinance.com/newsletter
January 9, 2026 at 4:47 PM
From investing ideas to analyzing the current state of the housing market.
From maximizing company benefits to the art of spending money.
The FREE 7 Picos Finance newsletter gives personal finance concepts you need for your positive financial journey.
Sign up today at 7picosfinance.com/newsletter
From maximizing company benefits to the art of spending money.
The FREE 7 Picos Finance newsletter gives personal finance concepts you need for your positive financial journey.
Sign up today at 7picosfinance.com/newsletter
December jobs report showed nonfarm payrolls increasing by 50,000, less than the 73,000 estimated. Unemployment rate at 4.4%
Investors await Supreme Court ruling on the legality of Trump's tariffs.
Investors await Supreme Court ruling on the legality of Trump's tariffs.
January 9, 2026 at 2:59 PM
December jobs report showed nonfarm payrolls increasing by 50,000, less than the 73,000 estimated. Unemployment rate at 4.4%
Investors await Supreme Court ruling on the legality of Trump's tariffs.
Investors await Supreme Court ruling on the legality of Trump's tariffs.
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.