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
📖 Founder of MichaelRyanMoney.com
🎙 Featured Expert in Personal Finance
🌐 Learn more: multy.me/MRM
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
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
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
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
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
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
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
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
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.
💡 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
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.
💡 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.
🧵 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):
Here are the 10 biggest takeaways (and the stats that will shock you):
September 17, 2025 at 8:31 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):
Here are the 10 biggest takeaways (and the stats that will shock you):
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
#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
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
#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
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
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
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
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
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.
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
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.
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.
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
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
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
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
🚨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%
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
🚨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%
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%
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!
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
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!
I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
📉 Markets are closed today for Good Friday.
But behind the calm is chaos.
📉 Tariff tensions are rattling traders.
🧵 Here’s why the past few weeks have been anything but normal...
Like, share and follow for more!
#investing #tariffs #marketvolatility #MarketUpdate
🧵1/10
But behind the calm is chaos.
📉 Tariff tensions are rattling traders.
🧵 Here’s why the past few weeks have been anything but normal...
Like, share and follow for more!
#investing #tariffs #marketvolatility #MarketUpdate
🧵1/10
April 18, 2025 at 3:54 PM
📉 Markets are closed today for Good Friday.
But behind the calm is chaos.
📉 Tariff tensions are rattling traders.
🧵 Here’s why the past few weeks have been anything but normal...
Like, share and follow for more!
#investing #tariffs #marketvolatility #MarketUpdate
🧵1/10
But behind the calm is chaos.
📉 Tariff tensions are rattling traders.
🧵 Here’s why the past few weeks have been anything but normal...
Like, share and follow for more!
#investing #tariffs #marketvolatility #MarketUpdate
🧵1/10
Your daily coffee might soon cost as much as a craft beer—tariffs are brewing up unexpected price hikes."
Tariffs on imports like coffee can lead to noticeable increases in everyday items, directly affecting consumers' wallets.
Tariffs on imports like coffee can lead to noticeable increases in everyday items, directly affecting consumers' wallets.
April 9, 2025 at 11:50 AM
Your daily coffee might soon cost as much as a craft beer—tariffs are brewing up unexpected price hikes."
Tariffs on imports like coffee can lead to noticeable increases in everyday items, directly affecting consumers' wallets.
Tariffs on imports like coffee can lead to noticeable increases in everyday items, directly affecting consumers' wallets.
April 9, 2025 at 5:09 AM
The party of 'free market capitalism' just revealed their true colors with these tariffs.
Imagine two restaurants on the same street. One serves amazing food at half the price. The other is empty, serving mediocre food at premium prices.
True capitalism says: adapt or die.
Imagine two restaurants on the same street. One serves amazing food at half the price. The other is empty, serving mediocre food at premium prices.
True capitalism says: adapt or die.
April 1, 2025 at 4:52 PM
The party of 'free market capitalism' just revealed their true colors with these tariffs.
Imagine two restaurants on the same street. One serves amazing food at half the price. The other is empty, serving mediocre food at premium prices.
True capitalism says: adapt or die.
Imagine two restaurants on the same street. One serves amazing food at half the price. The other is empty, serving mediocre food at premium prices.
True capitalism says: adapt or die.
I wish I knew who created this So I could credit them. But
If a picture is normally worth a thousand words,
Then this one wins a Pulitzer, a Grammy, and an Oscar…
If a picture is normally worth a thousand words,
Then this one wins a Pulitzer, a Grammy, and an Oscar…
March 8, 2025 at 8:44 PM
I wish I knew who created this So I could credit them. But
If a picture is normally worth a thousand words,
Then this one wins a Pulitzer, a Grammy, and an Oscar…
If a picture is normally worth a thousand words,
Then this one wins a Pulitzer, a Grammy, and an Oscar…
March 5, 2025 at 1:32 AM
📊 DAILY MARKET PULSE
Thursday, February 27, 2025
🔍 AT A GLANCE
S&P 500: 📉 5,861.57 (-1.59%)
Dow Jones: 📉 43,239.50 (-193.62 points)
Nasdaq: 📉 Down 0.7%
Bitcoin: 📈 $86,500 (+3%)
WTI Crude: 📈 $70.35 (+1.1%)
Gold: 📉 $2,883 (-$47)
Thursday, February 27, 2025
🔍 AT A GLANCE
S&P 500: 📉 5,861.57 (-1.59%)
Dow Jones: 📉 43,239.50 (-193.62 points)
Nasdaq: 📉 Down 0.7%
Bitcoin: 📈 $86,500 (+3%)
WTI Crude: 📈 $70.35 (+1.1%)
Gold: 📉 $2,883 (-$47)
February 27, 2025 at 10:29 PM
📊 DAILY MARKET PULSE
Thursday, February 27, 2025
🔍 AT A GLANCE
S&P 500: 📉 5,861.57 (-1.59%)
Dow Jones: 📉 43,239.50 (-193.62 points)
Nasdaq: 📉 Down 0.7%
Bitcoin: 📈 $86,500 (+3%)
WTI Crude: 📈 $70.35 (+1.1%)
Gold: 📉 $2,883 (-$47)
Thursday, February 27, 2025
🔍 AT A GLANCE
S&P 500: 📉 5,861.57 (-1.59%)
Dow Jones: 📉 43,239.50 (-193.62 points)
Nasdaq: 📉 Down 0.7%
Bitcoin: 📈 $86,500 (+3%)
WTI Crude: 📈 $70.35 (+1.1%)
Gold: 📉 $2,883 (-$47)
DAILY MARKET PULSE
Date: February 27, 2025
Time: 3:45 PM EST
--> Like, follow, share, and COMMENT for daily updates.
1. MARKET OVERVIEW
1 of 14 🧵 in comments:
Date: February 27, 2025
Time: 3:45 PM EST
--> Like, follow, share, and COMMENT for daily updates.
1. MARKET OVERVIEW
1 of 14 🧵 in comments:
February 27, 2025 at 10:18 PM
DAILY MARKET PULSE
Date: February 27, 2025
Time: 3:45 PM EST
--> Like, follow, share, and COMMENT for daily updates.
1. MARKET OVERVIEW
1 of 14 🧵 in comments:
Date: February 27, 2025
Time: 3:45 PM EST
--> Like, follow, share, and COMMENT for daily updates.
1. MARKET OVERVIEW
1 of 14 🧵 in comments:
That's a wrap on our #CreditChat!
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
February 26, 2025 at 8:56 PM
That's a wrap on our #CreditChat!
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
(A10) #CreditChat
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
February 26, 2025 at 8:50 PM
(A10) #CreditChat
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
(A9) #CreditChat #W4Form @Experian
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
February 26, 2025 at 8:46 PM
(A9) #CreditChat #W4Form @Experian
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
(A8) #CreditChat #AuditRisk @Experian
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
February 26, 2025 at 8:41 PM
(A8) #CreditChat #AuditRisk @Experian
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
(A7) #CreditChat #IdentityTheft @Experian
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
February 26, 2025 at 8:35 PM
(A7) #CreditChat #IdentityTheft @Experian
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
(A6) #CreditChat #SelfEmployment @Experian
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
February 26, 2025 at 8:31 PM
(A6) #CreditChat #SelfEmployment @Experian
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
(A5) @Experian #CreditChat #TaxTrouble
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
February 26, 2025 at 8:25 PM
(A5) @Experian #CreditChat #TaxTrouble
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.