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
Meta Platforms (Facebook) reported strong than expected 1st quarter earnings sending the stock higher.
Microsoft reported slower Cloud growth in its fiscal quarter; shares drop 6%.
S&P 500 tops 7,000. Fed holds rates steady.
Microsoft reported slower Cloud growth in its fiscal quarter; shares drop 6%.
S&P 500 tops 7,000. Fed holds rates steady.
January 29, 2026 at 1:46 PM
Meta Platforms (Facebook) reported strong than expected 1st quarter earnings sending the stock higher.
Microsoft reported slower Cloud growth in its fiscal quarter; shares drop 6%.
S&P 500 tops 7,000. Fed holds rates steady.
Microsoft reported slower Cloud growth in its fiscal quarter; shares drop 6%.
S&P 500 tops 7,000. Fed holds rates steady.
Mixed session on Tuesday as the Dow drops more than 400 points, impacted by a nearly 20% plunge in UnitedHealth, while the Nasdaq and S&P 500 climb higher.
Nasdaq futures solidly higher ahead of earnings reports from Tesla, Microsoft and Meta.
Nasdaq futures solidly higher ahead of earnings reports from Tesla, Microsoft and Meta.
January 28, 2026 at 11:33 AM
Mixed session on Tuesday as the Dow drops more than 400 points, impacted by a nearly 20% plunge in UnitedHealth, while the Nasdaq and S&P 500 climb higher.
Nasdaq futures solidly higher ahead of earnings reports from Tesla, Microsoft and Meta.
Nasdaq futures solidly higher ahead of earnings reports from Tesla, Microsoft and Meta.
A friend of mine wants to pull 25% of their long term investments into cash (fear of a market turndown).
Why try to time the market? Why change what has worked?
Let your money Compound. History has proven that long term investors have been rewarded handsomely.
Thoughts?
Why try to time the market? Why change what has worked?
Let your money Compound. History has proven that long term investors have been rewarded handsomely.
Thoughts?
January 27, 2026 at 3:52 PM
A friend of mine wants to pull 25% of their long term investments into cash (fear of a market turndown).
Why try to time the market? Why change what has worked?
Let your money Compound. History has proven that long term investors have been rewarded handsomely.
Thoughts?
Why try to time the market? Why change what has worked?
Let your money Compound. History has proven that long term investors have been rewarded handsomely.
Thoughts?
The new week brought gains across all major U.S. indexes with the Dow up 0.6%, the S&P 500 up 0.5% and the tech heavy Nasdaq up by 0.4%.
Odds of another government shutdown above 70% according to some experts.
Odds of another government shutdown above 70% according to some experts.
January 27, 2026 at 2:31 PM
The new week brought gains across all major U.S. indexes with the Dow up 0.6%, the S&P 500 up 0.5% and the tech heavy Nasdaq up by 0.4%.
Odds of another government shutdown above 70% according to some experts.
Odds of another government shutdown above 70% according to some experts.
Busy week:
- Apple, Meta & Microsoft set to report earnings
- Potential U.S. government shutdown
- Fed set to announce first policy decision of 2026
- Gold tops $5,100 an ounce; Silver at $109
- 213 million people thaw from winter weather
- Apple, Meta & Microsoft set to report earnings
- Potential U.S. government shutdown
- Fed set to announce first policy decision of 2026
- Gold tops $5,100 an ounce; Silver at $109
- 213 million people thaw from winter weather
January 26, 2026 at 12:12 PM
Busy week:
- Apple, Meta & Microsoft set to report earnings
- Potential U.S. government shutdown
- Fed set to announce first policy decision of 2026
- Gold tops $5,100 an ounce; Silver at $109
- 213 million people thaw from winter weather
- Apple, Meta & Microsoft set to report earnings
- Potential U.S. government shutdown
- Fed set to announce first policy decision of 2026
- Gold tops $5,100 an ounce; Silver at $109
- 213 million people thaw from winter weather
Shares of Intel were down 13% in the premarket Friday on soft guidance and concerns about chip production.
More than 1,000 U.S. flights canceled for Saturday due to a massive winter storm expected to bring snow, ice and bitter cold.
More than 1,000 U.S. flights canceled for Saturday due to a massive winter storm expected to bring snow, ice and bitter cold.
January 23, 2026 at 12:09 PM
Shares of Intel were down 13% in the premarket Friday on soft guidance and concerns about chip production.
More than 1,000 U.S. flights canceled for Saturday due to a massive winter storm expected to bring snow, ice and bitter cold.
More than 1,000 U.S. flights canceled for Saturday due to a massive winter storm expected to bring snow, ice and bitter cold.
President Trump announced a "framework" deal over Greenland and added he would no longer impose European tariffs that were set to begin Feb. 1.
Despite the markets positive reaction, stocks are still negative for the week.
Despite the markets positive reaction, stocks are still negative for the week.
January 22, 2026 at 12:19 PM
President Trump announced a "framework" deal over Greenland and added he would no longer impose European tariffs that were set to begin Feb. 1.
Despite the markets positive reaction, stocks are still negative for the week.
Despite the markets positive reaction, stocks are still negative for the week.
Is the "Sell America" trade for real??
"The 30-stock Dow slipped more than 870 points, or about 1.8%, while the S&P 500 lost roughly 2.1%. A drawdown in technology stocks led the selloff, with the Nasdaq Composite sliding 2.4% on the day." - CNBC
"The 30-stock Dow slipped more than 870 points, or about 1.8%, while the S&P 500 lost roughly 2.1%. A drawdown in technology stocks led the selloff, with the Nasdaq Composite sliding 2.4% on the day." - CNBC
January 21, 2026 at 12:51 PM
Is the "Sell America" trade for real??
"The 30-stock Dow slipped more than 870 points, or about 1.8%, while the S&P 500 lost roughly 2.1%. A drawdown in technology stocks led the selloff, with the Nasdaq Composite sliding 2.4% on the day." - CNBC
"The 30-stock Dow slipped more than 870 points, or about 1.8%, while the S&P 500 lost roughly 2.1%. A drawdown in technology stocks led the selloff, with the Nasdaq Composite sliding 2.4% on the day." - CNBC
I no longer watch CNBC but I have to guess this graphic will be on heavy rotation this week.
January 20, 2026 at 3:09 PM
I no longer watch CNBC but I have to guess this graphic will be on heavy rotation this week.
Futures hinting towards big loses as Trump threat of European tariffs unsettles investors.
"Yields on 20 and 30-year Treasury's spiked, adding more than 8 basis points to trade at around 4.88% and 4.927%, respectively." - CNBC
"Yields on 20 and 30-year Treasury's spiked, adding more than 8 basis points to trade at around 4.88% and 4.927%, respectively." - CNBC
January 20, 2026 at 1:36 PM
Futures hinting towards big loses as Trump threat of European tariffs unsettles investors.
"Yields on 20 and 30-year Treasury's spiked, adding more than 8 basis points to trade at around 4.88% and 4.927%, respectively." - CNBC
"Yields on 20 and 30-year Treasury's spiked, adding more than 8 basis points to trade at around 4.88% and 4.927%, respectively." - CNBC
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.
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.
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.