Michael Ryan Money
michaelryanmoney.bsky.social
Michael Ryan Money
@michaelryanmoney.bsky.social
💰 Making Money Simple, One Tip at a Time
📖 Founder of MichaelRyanMoney.com
🎙 Featured Expert in Personal Finance
🌐 Learn more: multy.me/MRM
Reposted by Michael Ryan Money
“Most wallets are screaming because their owners think they’re ‘managing debt’ by making minimums.”
jimkatzaman.substack...
featuring @experian-us.bsky.social
Turn Money Frights Into Confidence
Smart habits can silence the scariest money monsters
jimkatzaman.substack.com
November 5, 2025 at 1:00 PM
NOBODY'S TALKING ABOUT THIS:

The real story today isn't just the elections—it's the 35-day shutdown, Nvidia chip exports to UAE contradicting Trump, and a diplomatic crisis reshaping Latin America.

These moves will ripple through markets for months.

Everything You Missed in Today's Stock Market: Election Chaos, Elections, & World Crisis EXPLAINED 🌍
Today on November 4, 2025, major political events unfolded that will reshape America. From Virginia's gubernatorial race with Winsome Earle-Sears to NYC's ma...
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November 4, 2025 at 10:37 PM
Most people can't read this part of a check 👇

I broke down every section of a check in 30 seconds so you never second-guess yourself again.

Routing number, account #, etc all mean different things. Knowing matters when setting up direct deposit.

#personalfinance #banking #financialliteracy
October 22, 2025 at 3:58 PM
Your brain is lying to you about money.

I'm not being dramatic. There are 3 psychological forces actively working against you every time you try to budget, save, or invest.

After 30 years helping clients, I can finally explain WHY you keep failing.

Watch the attached video
October 3, 2025 at 8:00 PM
What if I told you the wealthy have a loophole to grow tax-free forever?

💡 The Backdoor Roth IRA is the legal hack the IRS allows — and most people earning too much to contribute directly to a Roth have no idea it exists.
September 22, 2025 at 3:37 PM
🧵 Missed the @Experian #CreditChat on money & mental health? We got real about the anxiety, the FOMO spending, and how to break the cycle.

Here are the 10 biggest takeaways (and the stats that will shock you):
September 17, 2025 at 8:31 PM
Q4 is coming 👀 Time to get our financial minds right.
#CreditChat on X starts in 1 hour.

We're talking FOMO spending, denial, and how to break the cycle.
Bring your real talk.

@experian

Join me and the panel:
@Kembala
@RahkimSabree
@itsmymoney_
@Lawrence_Sprung
@taynelawgroup
@creditscoop

September 17, 2025 at 6:01 PM
Tomorrow! I'm joining an incredible panel for #CreditChat to discuss stopping financial freefall. 🚀
You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET.
#PersonalFinance #Experian
September 16, 2025 at 7:38 PM
Charle Kirk news shook me. 900k views on that vigil clip. Agree or disagree with him, it makes you realize life’s fragile, man.

Told my wife & kids I love ‘em, then speed-dialed my estate attorney.

Beneficiaries set? Policies updated? Don’t wait for a headline to lock it down.

September 12, 2025 at 8:59 PM
Mario movie? Galaxy brain.
Trailer hits, Nintendo stock +3%. Nostalgia's the real power-up—fans drop billions on merch alone.

Lesson? Bet on what you loved as a kid.
$NTDOY in your IRA yet?
Discuss
September 12, 2025 at 8:50 PM
Paying a $95 credit card fee can be a brilliant move... or a costly trap.
A 25-yr planner's simple 3-question framework helps you decide in minutes. Stop guessing and find the card that actually pays YOU.
#FinTwit #CreditCards

vist.ly/4358z

How to Choose The Best Rewards Credit Card in 2025: The One That's Right For YOU | Michael Ryan Money
This isn't your fault. The credit card industry is designed to be confusing. I will teach you how to choose the best rewards credit card that fits YOU.
michaelryanmoney.com
August 12, 2025 at 3:26 PM
🚨BREAKING: New economic data destroys the "Trump economy" myth

Penn Wharton just dropped bombshell analysis: Trump's tariffs will SLASH GDP by 8% & wages by 7%.
Biden's "terrible economy" actually outperformed every G7 nation post-COVID. Obama's "slow recovery" cut unemployment from 10% to 4.7%
August 9, 2025 at 1:07 PM
I’m honored to host Prof. Alan Saquella’s expertise on home title fraud—a scam booming in South Florida & hurting our elderly neighbors. Learn to protect your most valuable asset now! Read the full article: michaelryanmoney.com/deed-and-home-title-fraud/ #ScamAlert #TitleFraud
Mortgage & Home Title Fraud: What Every Homeowner Needs to Know | Michael Ryan Money
As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but a
michaelryanmoney.com
August 7, 2025 at 6:12 PM
Heads up. In a few hours, I'll be joining a great panel for #CreditChat hosted by @Experian, talking about a topic that causes a ton of stress: building an emergency fund when stretched thin.

I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
July 9, 2025 at 3:33 PM
Overwhelmed by money?
Finding the RIGHT financial coach for 2025 is game-changing.

I break down coach types + my G.R.E.A.T. vetting framework. No fluff, just real guidance. #FinancialAdvice #MoneyTips #PersonalFinance
Financial Coach Match: Find Your 2025 Finance Guru
Find your perfect 2025 personal financial coach! Expert reviews of top coaches for debt, investing, FIRE & more. Uncover unique styles & who to follow.
michaelryanmoney.com
May 29, 2025 at 12:48 PM
Is your credit utilization silently SABOTAGING your credit score? 🤯

My 2025 guide + FREE calculator & worksheet unmasks this crucial metric.

Time to take control! #CreditScore #CreditUtilization #FinancialFreedom #creditutilization
Use Our Credit Utilization Calculator & Worksheet To Raise Your Credit Score
Boost your credit score with our Credit Utilization Calculator. Simplify credit card usage analysis and unlock financial health secrets. Start optimizing now!
michaelryanmoney.com
May 29, 2025 at 1:03 AM
Got a r% raise but your paycheck barely budged? 😒
You're not alone! Inflation + taxes can make that "boost" vanish.

Our FREE Pay Raise Calculator & guide unmask your real 2025 take-home pay.
Stop guessing, start planning! 💸
#PayRaise #Salary #FinancialLiteracy #BudgetingTips
Pay Raise Power: Calculate Your Pay Raise Boost With Our Pay Raise Calculator
Use our Pay Raise Calculator to see your real salary boost from a 3%, 5% increase or more. Expert tips on gross vs. net pay, taxes & negotiation moving forward.
michaelryanmoney.com
May 27, 2025 at 8:33 PM
Still GUESSING your annual income? 🤯
That's a budget killer!

My new guide & FREE calculator unmask your true 2025 earnings (gross, net, household) so you can plan with power.
#AnnualIncomeCalculator #FinancialClarity #MoneyTips2025
Annual Income Calculator: How To Calculate Your Gross & Household Pay (2025)
Discover the ultimate annual income calculator to effortlessly manage your household finances. Unlock insights and plan better today!
michaelryanmoney.com
May 27, 2025 at 4:50 PM
Read Kiyosaki's Rich Dad Poor Dad Ki& wondering what's next? Most similar books lists are fluff.

I break down 5 reads that deliver actual financial battle plans Kiyosaki only hinted at. Unique insights + myth-busting inside.
#RichDadPoorDad #FinancialLiteracy #BookRecommendations
6 Books Like Rich Dad Poor Dad You Must Read In 2024
Are you looking for books like Rich Dad Poor Dad? There are several books similar to Rich Dad Poor Dad that I think you will enjoy. To decide which book similar to Rich Dad Poor Dad is best for you, you first need to know what you liked most about Robert Kiyosaki's best-seller in the first place
michaelryanmoney.com
May 27, 2025 at 12:36 AM
Post 1/4:
Is your "emergency fund" a ticking time bomb? 💣 Most people make CRITICAL mistakes with their liquid assets, thinking they're safe when they're actually vulnerable. I've seen it cost people dearly. Let's unpack one of the biggest myths... (Michael Ryan here, 25+ yrs in finance) 👇
What Is A Liquid Asset? Michael Ryan's Clear Guide To Financial Readiness
What is a liquid asset? Expert Michael Ryan explains definitions, examples (cash & more) & why they're vital for personal/business finance. Secure your future.
michaelryanmoney.com
May 23, 2025 at 1:41 PM
Texas Attorneys & Financial Planners:

Stepchildren's inheritance rights (or lack thereof) under Texas intestate succession is a frequent source of confusion & conflict for blended families.

This provides clarity, which can aid in client discussions about the necessity of tailored wills & trusts.
Texas Inheritance Laws & Intestate Succession: Who Gets What When There's No Will?
Dying without a will in Texas? Michael Ryan breaks down complex intestate succession laws, community/separate property, & who inherits. Protect your family now.
michaelryanmoney.com
May 22, 2025 at 1:50 PM
Is your budgeting app helping—or nickel-and-diming you? 🚩
After years as a financial planner, I reveal the truth behind Rocket Money’s hype, and which apps are worth your time in 2025.
#Budgeting #Fintech @RocketMoneyApp @YNAB
Best Rocket Money Alternatives 2025 - Planner's Review
Tired of Rocket Money? A retired planner reviews the best alternatives like Empower, YNAB & Monarch for budgeting, privacy, and couples in 2025. Find your fit!
michaelryanmoney.com
May 22, 2025 at 12:11 AM
Think Florida Prepaid is straightforward?
The devil's in the details (out-of-state use, refunds, growth trade-offs).

My latest piece gives you the unvarnished truth I shared with my clients.
Don't get caught out. 🧐

#FLPrepaid #CollegeSavings #MichaelRyanMoney
Florida Prepaid College Plan: Lock In Tuition, Peace Of Mind –A Planner's Guide (2025)
Is Florida Prepaid right for you? A veteran financial planner breaks down costs, benefits, and compares it to 529 plans. Get clear, actionable advice.
michaelryanmoney.com
May 15, 2025 at 8:30 PM
Think you know 529 plans? 🧐
Some rules might surprise you (especially around financial aid & penalties!).

I'm breaking down common myths & sharing 25+ years of financial planning to help you maximize your college savings.

Take the quick navigator in the article to find YOUR answers fast!
Smarter College Savings With 529 Plans: Answering Common Questions & Concerns
Confused by 529 plan rules? This expert FAQ guide tackles overfunding, rollovers, financial aid myths & penalties to help you save smarter for college.
michaelryanmoney.com
May 14, 2025 at 11:14 PM
Just set it and forget it?" 🙄
That might be the WORST advice for HNW asset allocation.

After decades in the trenches, I can tell you: sophisticated wealth requires sophisticated (but not necessarily complicated!) thinking.
Busting HNW investing myths

#HNWI #InvestmentStrategy #FinancialPlanning
Ultra-High Net Worth Wealth Management: A Legacy Playbook (Michael Ryan's Take)
UHNW asset allocation. Michael Ryan shares expert strategies for alternatives, tax optimization & dynamic portfolios to grow & protect generational wealth.
michaelryanmoney.com
May 14, 2025 at 9:06 PM