Carlos McWhorter, CPA
@carlosmcwhortercpa.bsky.social
It's still cool to show empathy.
A lack of empathy is inhumane.
Empathy is humane, pure, and shows you are in touch with reality.
A lack of empathy is inhumane.
Empathy is humane, pure, and shows you are in touch with reality.
November 30, 2025 at 8:14 PM
It's still cool to show empathy.
A lack of empathy is inhumane.
Empathy is humane, pure, and shows you are in touch with reality.
A lack of empathy is inhumane.
Empathy is humane, pure, and shows you are in touch with reality.
Home de-listings rose 52% in September! Why is this happening?
Buyers are not as active since they’re locked in at lower rates in their current home. Sellers also have unrealistic expectations to sell at peak prices when we are not longer at the peak of the market.
Buyers are not as active since they’re locked in at lower rates in their current home. Sellers also have unrealistic expectations to sell at peak prices when we are not longer at the peak of the market.
November 25, 2025 at 2:42 PM
Home de-listings rose 52% in September! Why is this happening?
Buyers are not as active since they’re locked in at lower rates in their current home. Sellers also have unrealistic expectations to sell at peak prices when we are not longer at the peak of the market.
Buyers are not as active since they’re locked in at lower rates in their current home. Sellers also have unrealistic expectations to sell at peak prices when we are not longer at the peak of the market.
63% of adults say they don't discuss finances with their children‼️
This means most of us grow up with a student loan, credit card, car note with no clue what we're doing.
The cycle of generational financial trauma can be broken but we must be honest, be intentional, and teach our children.
This means most of us grow up with a student loan, credit card, car note with no clue what we're doing.
The cycle of generational financial trauma can be broken but we must be honest, be intentional, and teach our children.
November 22, 2025 at 4:53 PM
63% of adults say they don't discuss finances with their children‼️
This means most of us grow up with a student loan, credit card, car note with no clue what we're doing.
The cycle of generational financial trauma can be broken but we must be honest, be intentional, and teach our children.
This means most of us grow up with a student loan, credit card, car note with no clue what we're doing.
The cycle of generational financial trauma can be broken but we must be honest, be intentional, and teach our children.
If you experienced financial strain in your childhood, it could still affect you today. You probably have constant fear and anxiety about their finances, regardless of income.
- Avoiding bills and your bank balance
- Overspending as a coping mechanism
- Constantly comparing your finances to others
- Avoiding bills and your bank balance
- Overspending as a coping mechanism
- Constantly comparing your finances to others
November 21, 2025 at 3:47 PM
If you experienced financial strain in your childhood, it could still affect you today. You probably have constant fear and anxiety about their finances, regardless of income.
- Avoiding bills and your bank balance
- Overspending as a coping mechanism
- Constantly comparing your finances to others
- Avoiding bills and your bank balance
- Overspending as a coping mechanism
- Constantly comparing your finances to others
Trump's 50 year mortgage proposal is not to help us afford homes. It's for corporations to make more money.
On average, a 50 year mortgage makes the payment a few hundred dollars cheaper but you pay about 86% more in interest over the life of the loan.
The financially illiterate will suffer.
On average, a 50 year mortgage makes the payment a few hundred dollars cheaper but you pay about 86% more in interest over the life of the loan.
The financially illiterate will suffer.
November 10, 2025 at 3:54 AM
Trump's 50 year mortgage proposal is not to help us afford homes. It's for corporations to make more money.
On average, a 50 year mortgage makes the payment a few hundred dollars cheaper but you pay about 86% more in interest over the life of the loan.
The financially illiterate will suffer.
On average, a 50 year mortgage makes the payment a few hundred dollars cheaper but you pay about 86% more in interest over the life of the loan.
The financially illiterate will suffer.
If you make $75k per year, you pay $281 for SNAP benefits.
You pay $915 so corporations can avoid paying taxes.
"They guy who makes $1,000/hr convinced the guy who makes $50/hr that the guy who makes $20/hr is the problem."
You pay $915 so corporations can avoid paying taxes.
"They guy who makes $1,000/hr convinced the guy who makes $50/hr that the guy who makes $20/hr is the problem."
November 6, 2025 at 9:38 PM
If you make $75k per year, you pay $281 for SNAP benefits.
You pay $915 so corporations can avoid paying taxes.
"They guy who makes $1,000/hr convinced the guy who makes $50/hr that the guy who makes $20/hr is the problem."
You pay $915 so corporations can avoid paying taxes.
"They guy who makes $1,000/hr convinced the guy who makes $50/hr that the guy who makes $20/hr is the problem."
A ChatGPT search doesn’t guarantee you’ll find the truth.
AI will report the most cited information. If the truth isn’t the dominate narrative, you may not find it in that search.
Authentic Intelligence > Artificial Intelligence
AI will report the most cited information. If the truth isn’t the dominate narrative, you may not find it in that search.
Authentic Intelligence > Artificial Intelligence
November 6, 2025 at 7:48 PM
A ChatGPT search doesn’t guarantee you’ll find the truth.
AI will report the most cited information. If the truth isn’t the dominate narrative, you may not find it in that search.
Authentic Intelligence > Artificial Intelligence
AI will report the most cited information. If the truth isn’t the dominate narrative, you may not find it in that search.
Authentic Intelligence > Artificial Intelligence
Many people think there’s no need for SNAP benefits.
I would agree if our government protected the employee but they chose to protect the shareholder instead.
Housing costs went from 3.5x median income in 1985 to 5.8x today!
You pay more for corporate subsidies than they do for food stamps. 🤷🏽
I would agree if our government protected the employee but they chose to protect the shareholder instead.
Housing costs went from 3.5x median income in 1985 to 5.8x today!
You pay more for corporate subsidies than they do for food stamps. 🤷🏽
November 5, 2025 at 3:10 PM
Generational Wealth Hack:
NEVER sell grandma's house.
Eventually, the area gets built up and property values soar. Don't drive by the new brewery with regrets because you chose to cash out for pennies on the dollar when you could have secured your family's future.
NEVER sell grandma's house.
Eventually, the area gets built up and property values soar. Don't drive by the new brewery with regrets because you chose to cash out for pennies on the dollar when you could have secured your family's future.
November 4, 2025 at 3:49 PM
Generational Wealth Hack:
NEVER sell grandma's house.
Eventually, the area gets built up and property values soar. Don't drive by the new brewery with regrets because you chose to cash out for pennies on the dollar when you could have secured your family's future.
NEVER sell grandma's house.
Eventually, the area gets built up and property values soar. Don't drive by the new brewery with regrets because you chose to cash out for pennies on the dollar when you could have secured your family's future.
Billions of dollars borrowed, billions committed, billions being spent, but the demand isn't here yet?
Can the US survive the AI arms race this way?
https://carlosmcwhorter.substack.com/p/will-the-ai-arms-race-crumble-the
Can the US survive the AI arms race this way?
https://carlosmcwhorter.substack.com/p/will-the-ai-arms-race-crumble-the
November 3, 2025 at 1:18 AM
Billions of dollars borrowed, billions committed, billions being spent, but the demand isn't here yet?
Can the US survive the AI arms race this way?
https://carlosmcwhorter.substack.com/p/will-the-ai-arms-race-crumble-the
Can the US survive the AI arms race this way?
https://carlosmcwhorter.substack.com/p/will-the-ai-arms-race-crumble-the
Having a written plan increases your chances of financial success by over 200%!
Plans don’t have to be complicated. It can be simple
As long as it clearly defines your goals and how you’ll get there, you’re be on your way to living how you want to live.
https://substack.com/home/post/p-177011902
Plans don’t have to be complicated. It can be simple
As long as it clearly defines your goals and how you’ll get there, you’re be on your way to living how you want to live.
https://substack.com/home/post/p-177011902
https://substack.com/home/post/p-177011902
How to Make a Financial Plan for Your Life (and Stick to It!)
substack.com
October 24, 2025 at 1:50 PM
Having a written plan increases your chances of financial success by over 200%!
Plans don’t have to be complicated. It can be simple
As long as it clearly defines your goals and how you’ll get there, you’re be on your way to living how you want to live.
https://substack.com/home/post/p-177011902
Plans don’t have to be complicated. It can be simple
As long as it clearly defines your goals and how you’ll get there, you’re be on your way to living how you want to live.
https://substack.com/home/post/p-177011902
Everyone has an opinion but what is needed is truth.
Truth doesn't succumb to opinions.
Truth doesn't succumb to opinions.
October 24, 2025 at 1:49 PM
Everyone has an opinion but what is needed is truth.
Truth doesn't succumb to opinions.
Truth doesn't succumb to opinions.
What is an asset bubble and are we in one now?
https://carlosmcwhorter.substack.com/p/what-is-an-asset-bubble
https://carlosmcwhorter.substack.com/p/what-is-an-asset-bubble
https://carlosmcwhorter.substack.com/p/what-is-an-asset-bubble
History often rhymes, so lets review so we don't lose our shirt when the market crashes.
carlosmcwhorter.substack.com
October 23, 2025 at 1:24 PM
What is an asset bubble and are we in one now?
https://carlosmcwhorter.substack.com/p/what-is-an-asset-bubble
https://carlosmcwhorter.substack.com/p/what-is-an-asset-bubble
The S&P 500 companies heavily invested in AI make up 40% of the total index.
How do you feel about 40% your 401(k) hinging on the projected growth and demand of AI?
How do you feel about 40% your 401(k) hinging on the projected growth and demand of AI?
October 23, 2025 at 1:00 PM
The S&P 500 companies heavily invested in AI make up 40% of the total index.
How do you feel about 40% your 401(k) hinging on the projected growth and demand of AI?
How do you feel about 40% your 401(k) hinging on the projected growth and demand of AI?
The S&P 500 is now a mega-cap AI Index.
October 22, 2025 at 4:18 PM
The S&P 500 is now a mega-cap AI Index.
We mistake ourselves as robots, able to make a change in an instant. That’s not always the case. We need time to learn and accept new habits.
Patience is more important when making changes than will power.
https://carlosmcwhorter.substack.com/p/financially-stuck-3-money-traps-and
Patience is more important when making changes than will power.
https://carlosmcwhorter.substack.com/p/financially-stuck-3-money-traps-and
https://carlosmcwhorter.substack.com/p/financially-stuck-3-money-traps-and
There are three consistent barriers we face when attempting to get our finances in order.
carlosmcwhorter.substack.com
October 22, 2025 at 3:32 PM
We mistake ourselves as robots, able to make a change in an instant. That’s not always the case. We need time to learn and accept new habits.
Patience is more important when making changes than will power.
https://carlosmcwhorter.substack.com/p/financially-stuck-3-money-traps-and
Patience is more important when making changes than will power.
https://carlosmcwhorter.substack.com/p/financially-stuck-3-money-traps-and
Gold is up, Silver is up, Bitcoin is up, and investors are getting rid of their cash.
Learn what the debasement trade is so you'll know if you should jump on this trade. ⬇️
https://substack.com/home/post/p-176660924
Learn what the debasement trade is so you'll know if you should jump on this trade. ⬇️
https://substack.com/home/post/p-176660924
https://substack.com/home/post/p-176660924
Should you get rid of your cash?
substack.com
October 21, 2025 at 5:58 PM
Gold is up, Silver is up, Bitcoin is up, and investors are getting rid of their cash.
Learn what the debasement trade is so you'll know if you should jump on this trade. ⬇️
https://substack.com/home/post/p-176660924
Learn what the debasement trade is so you'll know if you should jump on this trade. ⬇️
https://substack.com/home/post/p-176660924
$NTFLX reports earnings today. Outside of AI, this is one of the more exciting companies making big moves.
Live sports, live concerts, and soon podcasts!
Live sports, live concerts, and soon podcasts!
October 21, 2025 at 1:44 PM
$NTFLX reports earnings today. Outside of AI, this is one of the more exciting companies making big moves.
Live sports, live concerts, and soon podcasts!
Live sports, live concerts, and soon podcasts!
Most investing content is about what to buy and when. It's just as important to know when to sell and when to hold.
My article give a framework for you to use when deciding if you should sell a stock.⬇️
https://substack.com/home/post/p-176560794
My article give a framework for you to use when deciding if you should sell a stock.⬇️
https://substack.com/home/post/p-176560794
https://substack.com/home/post/p-176560794
If a job has been correctly done when a common stock is purchased, the time to sell is almost never.
substack.com
October 20, 2025 at 3:47 PM
Most investing content is about what to buy and when. It's just as important to know when to sell and when to hold.
My article give a framework for you to use when deciding if you should sell a stock.⬇️
https://substack.com/home/post/p-176560794
My article give a framework for you to use when deciding if you should sell a stock.⬇️
https://substack.com/home/post/p-176560794
The unqualified financial influencer has had enough fun taking your money.
This article exposes theblatest trend of lies I've heard from that community.⬇️
open.substack.com/pub/carlosmc...
This article exposes theblatest trend of lies I've heard from that community.⬇️
open.substack.com/pub/carlosmc...
If You Don't Know Anything About Warren Buffett, Then Just Say That!
Beware of the Fakes
open.substack.com
October 19, 2025 at 10:26 PM
The unqualified financial influencer has had enough fun taking your money.
This article exposes theblatest trend of lies I've heard from that community.⬇️
open.substack.com/pub/carlosmc...
This article exposes theblatest trend of lies I've heard from that community.⬇️
open.substack.com/pub/carlosmc...
If a job has been correctly done when a common stock is purchased, the time to sell is almost never.
- Philip Fisher
- Philip Fisher
October 19, 2025 at 12:30 PM
If a job has been correctly done when a common stock is purchased, the time to sell is almost never.
- Philip Fisher
- Philip Fisher
Why is gold surging?
Debasement is the hot topic today and the evidence is pretty clear.
Investors are selling bonds and getting rid of cash and buying hard assets and crypto.
Why?
Fear of the Fed printing more money, reducing the buying power your cash.
Debasement is the hot topic today and the evidence is pretty clear.
Investors are selling bonds and getting rid of cash and buying hard assets and crypto.
Why?
Fear of the Fed printing more money, reducing the buying power your cash.
October 18, 2025 at 3:11 PM
Why is gold surging?
Debasement is the hot topic today and the evidence is pretty clear.
Investors are selling bonds and getting rid of cash and buying hard assets and crypto.
Why?
Fear of the Fed printing more money, reducing the buying power your cash.
Debasement is the hot topic today and the evidence is pretty clear.
Investors are selling bonds and getting rid of cash and buying hard assets and crypto.
Why?
Fear of the Fed printing more money, reducing the buying power your cash.
Direct indexing is an investment strategy where you directly own the individual stocks that make up a market index.
This method is used to lower your taxes. Learn it here. ⬇️
https://investingdepartment.substack.com/p/direct-indexing-a-beginners-guide
This method is used to lower your taxes. Learn it here. ⬇️
https://investingdepartment.substack.com/p/direct-indexing-a-beginners-guide
https://investingdepartment.substack.com/p/direct-indexing-a-beginners-guide
Direct Indexing is used by portfolio managers and financial advisors to maximize after-tax investment gains.
investingdepartment.substack.com
October 18, 2025 at 2:38 PM
Direct indexing is an investment strategy where you directly own the individual stocks that make up a market index.
This method is used to lower your taxes. Learn it here. ⬇️
https://investingdepartment.substack.com/p/direct-indexing-a-beginners-guide
This method is used to lower your taxes. Learn it here. ⬇️
https://investingdepartment.substack.com/p/direct-indexing-a-beginners-guide
Why dividend growth investing accelerates your wealth. ⬇️
https://open.substack.com/pub/investingdepartment/p/dividend-growth-what-every-investor?r=4bs63y&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
https://open.substack.com/pub/investingdepartment/p/dividend-growth-what-every-investor?r=4bs63y&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
https://open.substack.com/pub/investingdepartment/p/dividend-growth-what-every-investor?r=4bs63y&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
What is the benefit of a dividend growth investing strategy? This newsletter breaks it down. This is how Warren Buffett now earns over a 54% dividend yield on one of his investments.
open.substack.com
October 17, 2025 at 10:41 PM
Why dividend growth investing accelerates your wealth. ⬇️
https://open.substack.com/pub/investingdepartment/p/dividend-growth-what-every-investor?r=4bs63y&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
https://open.substack.com/pub/investingdepartment/p/dividend-growth-what-every-investor?r=4bs63y&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
Empathy is not political.
The ability to understand and share the feelings of another is humane. Don't be fooled into thinking a political stance justifies the inhumane state of lacking empathy.
The ability to understand and share the feelings of another is humane. Don't be fooled into thinking a political stance justifies the inhumane state of lacking empathy.
October 17, 2025 at 4:53 PM
Empathy is not political.
The ability to understand and share the feelings of another is humane. Don't be fooled into thinking a political stance justifies the inhumane state of lacking empathy.
The ability to understand and share the feelings of another is humane. Don't be fooled into thinking a political stance justifies the inhumane state of lacking empathy.