Deacon Hayes
@wellkeptwallet.bsky.social
Personal Finance Expert and Amateur Rapper
How to Reach Your First $250,000 (Invested)
30 years: $122/month
25 years: $203/month
20 years: $347/month
15 years: $625/month
10 years: $1,250/month
5 years: $3,250/month
Note: Assumes 10% annual returns in a low-cost index fund.
30 years: $122/month
25 years: $203/month
20 years: $347/month
15 years: $625/month
10 years: $1,250/month
5 years: $3,250/month
Note: Assumes 10% annual returns in a low-cost index fund.
November 27, 2025 at 1:10 AM
How to Reach Your First $250,000 (Invested)
30 years: $122/month
25 years: $203/month
20 years: $347/month
15 years: $625/month
10 years: $1,250/month
5 years: $3,250/month
Note: Assumes 10% annual returns in a low-cost index fund.
30 years: $122/month
25 years: $203/month
20 years: $347/month
15 years: $625/month
10 years: $1,250/month
5 years: $3,250/month
Note: Assumes 10% annual returns in a low-cost index fund.
10 AI Proof Jobs (And Average Annual Salary For Each)
1. Agricultural Equipment Operator: $59,953
2. Heavy Truck Driver: $44,239
3. Vocational Education Teacher: $45,468
4. Mechanic: $43,180
5. Business Development Professional: $75,645
1. Agricultural Equipment Operator: $59,953
2. Heavy Truck Driver: $44,239
3. Vocational Education Teacher: $45,468
4. Mechanic: $43,180
5. Business Development Professional: $75,645
October 17, 2025 at 2:40 PM
10 AI Proof Jobs (And Average Annual Salary For Each)
1. Agricultural Equipment Operator: $59,953
2. Heavy Truck Driver: $44,239
3. Vocational Education Teacher: $45,468
4. Mechanic: $43,180
5. Business Development Professional: $75,645
1. Agricultural Equipment Operator: $59,953
2. Heavy Truck Driver: $44,239
3. Vocational Education Teacher: $45,468
4. Mechanic: $43,180
5. Business Development Professional: $75,645
How to Become a Millionaire Making $50,000 Per Year
• Invest $417 per month
• Into low-cost index funds
• With an average return of 10%
• Do this every month for 32 years
• It will be worth $1,051,830.60
It’s not about how much you make but what you do with what you make. Let's go! 💪
• Invest $417 per month
• Into low-cost index funds
• With an average return of 10%
• Do this every month for 32 years
• It will be worth $1,051,830.60
It’s not about how much you make but what you do with what you make. Let's go! 💪
October 3, 2025 at 12:37 AM
How to Become a Millionaire Making $50,000 Per Year
• Invest $417 per month
• Into low-cost index funds
• With an average return of 10%
• Do this every month for 32 years
• It will be worth $1,051,830.60
It’s not about how much you make but what you do with what you make. Let's go! 💪
• Invest $417 per month
• Into low-cost index funds
• With an average return of 10%
• Do this every month for 32 years
• It will be worth $1,051,830.60
It’s not about how much you make but what you do with what you make. Let's go! 💪
5 Signs You’re Doing Great Financially 💰
1. You’re investing for retirement: 31% of people aren’t doing this
2. You have $0 in consumer debt: The average person owes $23,317
3. You have an emergency fund: 59% of Americans don’t even have $1,000 saved
Continued 👇
1. You’re investing for retirement: 31% of people aren’t doing this
2. You have $0 in consumer debt: The average person owes $23,317
3. You have an emergency fund: 59% of Americans don’t even have $1,000 saved
Continued 👇
September 13, 2025 at 7:32 PM
5 Signs You’re Doing Great Financially 💰
1. You’re investing for retirement: 31% of people aren’t doing this
2. You have $0 in consumer debt: The average person owes $23,317
3. You have an emergency fund: 59% of Americans don’t even have $1,000 saved
Continued 👇
1. You’re investing for retirement: 31% of people aren’t doing this
2. You have $0 in consumer debt: The average person owes $23,317
3. You have an emergency fund: 59% of Americans don’t even have $1,000 saved
Continued 👇
How to Become a Millionaire With Only $7 Per Day
$7 a day = $210 per month
Invest $210 per month into index funds:
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts!
$7 a day = $210 per month
Invest $210 per month into index funds:
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts!
June 7, 2025 at 11:01 AM
How to Become a Millionaire With Only $7 Per Day
$7 a day = $210 per month
Invest $210 per month into index funds:
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts!
$7 a day = $210 per month
Invest $210 per month into index funds:
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts!
How Long it Takes to Make $1 Million by Monthly Contribution Amount
• $200 - 39 years
• $400 - 32 years
• $600 - 28 years
• $800.- 25 years
• $1,000 - 23 years
This assumes a 10% annual return.
Becoming a millionaire is possible, you just have to start investing and be consistent.
• $200 - 39 years
• $400 - 32 years
• $600 - 28 years
• $800.- 25 years
• $1,000 - 23 years
This assumes a 10% annual return.
Becoming a millionaire is possible, you just have to start investing and be consistent.
April 30, 2025 at 8:52 PM
How Long it Takes to Make $1 Million by Monthly Contribution Amount
• $200 - 39 years
• $400 - 32 years
• $600 - 28 years
• $800.- 25 years
• $1,000 - 23 years
This assumes a 10% annual return.
Becoming a millionaire is possible, you just have to start investing and be consistent.
• $200 - 39 years
• $400 - 32 years
• $600 - 28 years
• $800.- 25 years
• $1,000 - 23 years
This assumes a 10% annual return.
Becoming a millionaire is possible, you just have to start investing and be consistent.
The MAX Mortgage Payment You Should Pay Based on Salary (According to Dave Ramsey)
• $50K salary: $823
• $60K salary: $969
• $70K salary: $1,103
• $80K salary: $1,237
• $90K salary: $1,372
• $100K salary: $1,507
Based on 25% of take home pay & a 15 year mortgage.
Something is off here.
• $50K salary: $823
• $60K salary: $969
• $70K salary: $1,103
• $80K salary: $1,237
• $90K salary: $1,372
• $100K salary: $1,507
Based on 25% of take home pay & a 15 year mortgage.
Something is off here.
April 15, 2025 at 5:40 AM
The MAX Mortgage Payment You Should Pay Based on Salary (According to Dave Ramsey)
• $50K salary: $823
• $60K salary: $969
• $70K salary: $1,103
• $80K salary: $1,237
• $90K salary: $1,372
• $100K salary: $1,507
Based on 25% of take home pay & a 15 year mortgage.
Something is off here.
• $50K salary: $823
• $60K salary: $969
• $70K salary: $1,103
• $80K salary: $1,237
• $90K salary: $1,372
• $100K salary: $1,507
Based on 25% of take home pay & a 15 year mortgage.
Something is off here.
Fully Funded Emergency Fund By Monthly Expenses
• $5k/month — $15k - $30k
• $6k/month — $18k - $36k
• $7k/month — $21k - $42k
• $8k/month — $24k - $48k
• $9k/month — $27k - $54k
• $10k/month — $30k - $60k
Want to build your emergency fund faster? See below 👇
• $5k/month — $15k - $30k
• $6k/month — $18k - $36k
• $7k/month — $21k - $42k
• $8k/month — $24k - $48k
• $9k/month — $27k - $54k
• $10k/month — $30k - $60k
Want to build your emergency fund faster? See below 👇
April 3, 2025 at 2:24 AM
Fully Funded Emergency Fund By Monthly Expenses
• $5k/month — $15k - $30k
• $6k/month — $18k - $36k
• $7k/month — $21k - $42k
• $8k/month — $24k - $48k
• $9k/month — $27k - $54k
• $10k/month — $30k - $60k
Want to build your emergency fund faster? See below 👇
• $5k/month — $15k - $30k
• $6k/month — $18k - $36k
• $7k/month — $21k - $42k
• $8k/month — $24k - $48k
• $9k/month — $27k - $54k
• $10k/month — $30k - $60k
Want to build your emergency fund faster? See below 👇
Americans Suffering From Credit Card Debt Financial Anxiety by Generation
• 58% of Gen Z
• 60% of Millennials
• 56% of Gen X
• 34% of Boomers
Source: BMO
Do you struggle with credit card debt? See below 👇
• 58% of Gen Z
• 60% of Millennials
• 56% of Gen X
• 34% of Boomers
Source: BMO
Do you struggle with credit card debt? See below 👇
March 20, 2025 at 5:56 PM
Americans Suffering From Credit Card Debt Financial Anxiety by Generation
• 58% of Gen Z
• 60% of Millennials
• 56% of Gen X
• 34% of Boomers
Source: BMO
Do you struggle with credit card debt? See below 👇
• 58% of Gen Z
• 60% of Millennials
• 56% of Gen X
• 34% of Boomers
Source: BMO
Do you struggle with credit card debt? See below 👇
How Much You Need in Investments to Retire Based on Monthly Expenses
• $50k → $1,250,000 in Investments
• $75k → $1,875,000 in Investments
• $100k → $2,500,000 in Investments
• $125k → $3,125,000 in Investments
• $150k → $3,750,000 in Investments
Want to make sure you are on track? See below 👇
• $50k → $1,250,000 in Investments
• $75k → $1,875,000 in Investments
• $100k → $2,500,000 in Investments
• $125k → $3,125,000 in Investments
• $150k → $3,750,000 in Investments
Want to make sure you are on track? See below 👇
March 17, 2025 at 3:17 PM
How Much You Need in Investments to Retire Based on Monthly Expenses
• $50k → $1,250,000 in Investments
• $75k → $1,875,000 in Investments
• $100k → $2,500,000 in Investments
• $125k → $3,125,000 in Investments
• $150k → $3,750,000 in Investments
Want to make sure you are on track? See below 👇
• $50k → $1,250,000 in Investments
• $75k → $1,875,000 in Investments
• $100k → $2,500,000 in Investments
• $125k → $3,125,000 in Investments
• $150k → $3,750,000 in Investments
Want to make sure you are on track? See below 👇
Investment Contribution Limits For 2025
• FSA — $3,300
• HSA — $4,300 (Single)
• HSA — $8,550 (Family)
• IRA's — $7,000
• Simple IRA — $16,500
• 401k, 403b — $23,500
• SEP IRA — $70,000
Now is a great time to start making adjustments so that you can increase contributions this year!
• FSA — $3,300
• HSA — $4,300 (Single)
• HSA — $8,550 (Family)
• IRA's — $7,000
• Simple IRA — $16,500
• 401k, 403b — $23,500
• SEP IRA — $70,000
Now is a great time to start making adjustments so that you can increase contributions this year!
March 11, 2025 at 3:50 PM
Investment Contribution Limits For 2025
• FSA — $3,300
• HSA — $4,300 (Single)
• HSA — $8,550 (Family)
• IRA's — $7,000
• Simple IRA — $16,500
• 401k, 403b — $23,500
• SEP IRA — $70,000
Now is a great time to start making adjustments so that you can increase contributions this year!
• FSA — $3,300
• HSA — $4,300 (Single)
• HSA — $8,550 (Family)
• IRA's — $7,000
• Simple IRA — $16,500
• 401k, 403b — $23,500
• SEP IRA — $70,000
Now is a great time to start making adjustments so that you can increase contributions this year!
How Much to Invest Per Month to Retire w/ $3 Million
• Age 20: $333 per month
• Age 25: $542 per month
• Age 30: $884 per month
• Age 35: $1,455 per month
• Age 40: $2,433 per month
• Age 45: $4,179 per month
• Age 50: $7,530 per month
Note: Based on retiring at 65 with 10% annual returns
• Age 20: $333 per month
• Age 25: $542 per month
• Age 30: $884 per month
• Age 35: $1,455 per month
• Age 40: $2,433 per month
• Age 45: $4,179 per month
• Age 50: $7,530 per month
Note: Based on retiring at 65 with 10% annual returns
March 4, 2025 at 6:08 AM
How Much to Invest Per Month to Retire w/ $3 Million
• Age 20: $333 per month
• Age 25: $542 per month
• Age 30: $884 per month
• Age 35: $1,455 per month
• Age 40: $2,433 per month
• Age 45: $4,179 per month
• Age 50: $7,530 per month
Note: Based on retiring at 65 with 10% annual returns
• Age 20: $333 per month
• Age 25: $542 per month
• Age 30: $884 per month
• Age 35: $1,455 per month
• Age 40: $2,433 per month
• Age 45: $4,179 per month
• Age 50: $7,530 per month
Note: Based on retiring at 65 with 10% annual returns
How Much You Should Invest Each Month by Salary
• $40,000 → $333
• $50,000 → $417
• $60,000 → $500
• $70,000 → $583
• $80,000 → $667
• $90,000 → $750
• $100,000 → $833
• $110,000 → $917
• $120,000 → $1,000
You need to invest consistently if you want to build real wealth.
• $40,000 → $333
• $50,000 → $417
• $60,000 → $500
• $70,000 → $583
• $80,000 → $667
• $90,000 → $750
• $100,000 → $833
• $110,000 → $917
• $120,000 → $1,000
You need to invest consistently if you want to build real wealth.
February 19, 2025 at 2:19 AM
How Much You Should Invest Each Month by Salary
• $40,000 → $333
• $50,000 → $417
• $60,000 → $500
• $70,000 → $583
• $80,000 → $667
• $90,000 → $750
• $100,000 → $833
• $110,000 → $917
• $120,000 → $1,000
You need to invest consistently if you want to build real wealth.
• $40,000 → $333
• $50,000 → $417
• $60,000 → $500
• $70,000 → $583
• $80,000 → $667
• $90,000 → $750
• $100,000 → $833
• $110,000 → $917
• $120,000 → $1,000
You need to invest consistently if you want to build real wealth.
Investing $100 into an S&P 500 index fund:
• $6.83 in Apple
• $6.12 in Nvidia
• $5.99 in Microsoft
• $4.33 in Amazon
• $3.01 in Meta
• $2.17 in Google
• $2.09 in AVGO
• $2.03 in Tesla
Plus $67.43 into 492 other top US Companies.
Want to start investing in the S&P 500? See below 👇
• $6.83 in Apple
• $6.12 in Nvidia
• $5.99 in Microsoft
• $4.33 in Amazon
• $3.01 in Meta
• $2.17 in Google
• $2.09 in AVGO
• $2.03 in Tesla
Plus $67.43 into 492 other top US Companies.
Want to start investing in the S&P 500? See below 👇
February 9, 2025 at 3:01 PM
Investing $100 into an S&P 500 index fund:
• $6.83 in Apple
• $6.12 in Nvidia
• $5.99 in Microsoft
• $4.33 in Amazon
• $3.01 in Meta
• $2.17 in Google
• $2.09 in AVGO
• $2.03 in Tesla
Plus $67.43 into 492 other top US Companies.
Want to start investing in the S&P 500? See below 👇
• $6.83 in Apple
• $6.12 in Nvidia
• $5.99 in Microsoft
• $4.33 in Amazon
• $3.01 in Meta
• $2.17 in Google
• $2.09 in AVGO
• $2.03 in Tesla
Plus $67.43 into 492 other top US Companies.
Want to start investing in the S&P 500? See below 👇
How to Become a Millionaire With Only $7 Per Day
Come up with $7 per day to get started.
$7 a day = $210 per month
Investing $210 per month averaging 10%
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts.
Come up with $7 per day to get started.
$7 a day = $210 per month
Investing $210 per month averaging 10%
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts.
January 31, 2025 at 10:53 PM
How to Become a Millionaire With Only $7 Per Day
Come up with $7 per day to get started.
$7 a day = $210 per month
Investing $210 per month averaging 10%
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts.
Come up with $7 per day to get started.
$7 a day = $210 per month
Investing $210 per month averaging 10%
= $150,834 in 20 years
= $433,197 in 30 years
= $1,165,573 in 40 years
Don't wait. Start investing today, even if it is small amounts.
How Fees Can Crush Your Investment Returns
• 2% — $784,173 in fees
• 1% — $441,015 in fees
• .02% — $9,948 in fees
This is why it's so important to figure out what your expense ratios are on your Investments and know what your financial advisor is charging you in fees.
• 2% — $784,173 in fees
• 1% — $441,015 in fees
• .02% — $9,948 in fees
This is why it's so important to figure out what your expense ratios are on your Investments and know what your financial advisor is charging you in fees.
January 30, 2025 at 3:27 PM
How Fees Can Crush Your Investment Returns
• 2% — $784,173 in fees
• 1% — $441,015 in fees
• .02% — $9,948 in fees
This is why it's so important to figure out what your expense ratios are on your Investments and know what your financial advisor is charging you in fees.
• 2% — $784,173 in fees
• 1% — $441,015 in fees
• .02% — $9,948 in fees
This is why it's so important to figure out what your expense ratios are on your Investments and know what your financial advisor is charging you in fees.
4 Questions to Ask If You Want to Retire Early
1. What are the top 5 things you enjoy doing in life?
2. How much time do you spend doing those things now?
3. How much time would you spend on those things if you retired?
4. What else would you do if you weren't tied to your job?
1. What are the top 5 things you enjoy doing in life?
2. How much time do you spend doing those things now?
3. How much time would you spend on those things if you retired?
4. What else would you do if you weren't tied to your job?
January 24, 2025 at 10:34 PM
4 Questions to Ask If You Want to Retire Early
1. What are the top 5 things you enjoy doing in life?
2. How much time do you spend doing those things now?
3. How much time would you spend on those things if you retired?
4. What else would you do if you weren't tied to your job?
1. What are the top 5 things you enjoy doing in life?
2. How much time do you spend doing those things now?
3. How much time would you spend on those things if you retired?
4. What else would you do if you weren't tied to your job?
How Much to Invest Per Month to Retire w/ $2 Million
• Age 20: $222 per month
• Age 25: $361 per month
• Age 30: $589 per month
• Age 35: $970 per month
• Age 40: $1,622 per month
• Age 45: $2,786 per month
• Age 50: $5,020 per month
Based on the age you start & retiring at 65 with 10% returns
• Age 20: $222 per month
• Age 25: $361 per month
• Age 30: $589 per month
• Age 35: $970 per month
• Age 40: $1,622 per month
• Age 45: $2,786 per month
• Age 50: $5,020 per month
Based on the age you start & retiring at 65 with 10% returns
January 24, 2025 at 1:03 PM
How Much to Invest Per Month to Retire w/ $2 Million
• Age 20: $222 per month
• Age 25: $361 per month
• Age 30: $589 per month
• Age 35: $970 per month
• Age 40: $1,622 per month
• Age 45: $2,786 per month
• Age 50: $5,020 per month
Based on the age you start & retiring at 65 with 10% returns
• Age 20: $222 per month
• Age 25: $361 per month
• Age 30: $589 per month
• Age 35: $970 per month
• Age 40: $1,622 per month
• Age 45: $2,786 per month
• Age 50: $5,020 per month
Based on the age you start & retiring at 65 with 10% returns
The Average American Has:
- A salary of $62,027
- A mortgage of $244,498
- $7,236 in credit card debt
- A $40,927 car loan
- A $42,139 HELOC balance
- Less than $1,000 in savings
- $37,853 in student loans
This doesn't have to be the case. If you don't want to be average, see below 👇
- A salary of $62,027
- A mortgage of $244,498
- $7,236 in credit card debt
- A $40,927 car loan
- A $42,139 HELOC balance
- Less than $1,000 in savings
- $37,853 in student loans
This doesn't have to be the case. If you don't want to be average, see below 👇
December 20, 2024 at 10:42 PM
The Average American Has:
- A salary of $62,027
- A mortgage of $244,498
- $7,236 in credit card debt
- A $40,927 car loan
- A $42,139 HELOC balance
- Less than $1,000 in savings
- $37,853 in student loans
This doesn't have to be the case. If you don't want to be average, see below 👇
- A salary of $62,027
- A mortgage of $244,498
- $7,236 in credit card debt
- A $40,927 car loan
- A $42,139 HELOC balance
- Less than $1,000 in savings
- $37,853 in student loans
This doesn't have to be the case. If you don't want to be average, see below 👇
How to Reach Your First $100,000 (Invested)
30 years: $49/month
25 years: $81/month
20 years: $139/month
15 years: $250/month
10 years: $500/month
5 years: $1,300/month
Note: Assumes a 10% annual returns in a low cost index fund.
Investing your money consistently is CRUCIAL to building wealth.
30 years: $49/month
25 years: $81/month
20 years: $139/month
15 years: $250/month
10 years: $500/month
5 years: $1,300/month
Note: Assumes a 10% annual returns in a low cost index fund.
Investing your money consistently is CRUCIAL to building wealth.
November 27, 2024 at 9:11 PM
How to Reach Your First $100,000 (Invested)
30 years: $49/month
25 years: $81/month
20 years: $139/month
15 years: $250/month
10 years: $500/month
5 years: $1,300/month
Note: Assumes a 10% annual returns in a low cost index fund.
Investing your money consistently is CRUCIAL to building wealth.
30 years: $49/month
25 years: $81/month
20 years: $139/month
15 years: $250/month
10 years: $500/month
5 years: $1,300/month
Note: Assumes a 10% annual returns in a low cost index fund.
Investing your money consistently is CRUCIAL to building wealth.
How to Get a Mortgage as Low as 2.67% in 2024
Did you know there are mortgages where you can assume someone's mortgage with a lower interest rate? These are called Assumable Mortgages.
Typically speaking, these are FHA or VA loans that have a lower rate and are assumable. Some as low as 2.67%!
Did you know there are mortgages where you can assume someone's mortgage with a lower interest rate? These are called Assumable Mortgages.
Typically speaking, these are FHA or VA loans that have a lower rate and are assumable. Some as low as 2.67%!
November 26, 2024 at 2:27 PM
How to Get a Mortgage as Low as 2.67% in 2024
Did you know there are mortgages where you can assume someone's mortgage with a lower interest rate? These are called Assumable Mortgages.
Typically speaking, these are FHA or VA loans that have a lower rate and are assumable. Some as low as 2.67%!
Did you know there are mortgages where you can assume someone's mortgage with a lower interest rate? These are called Assumable Mortgages.
Typically speaking, these are FHA or VA loans that have a lower rate and are assumable. Some as low as 2.67%!
The Simplest Formula to Retire Early
It's called the 25x rule, where you multiply your annual expenses by 25 to determine how much money you need to retire.
For instance, if your monthly expenses are $5,000, your annual expenses would be $60,000.
Multiply 25 X $60,000 to get $1.5 million!
It's called the 25x rule, where you multiply your annual expenses by 25 to determine how much money you need to retire.
For instance, if your monthly expenses are $5,000, your annual expenses would be $60,000.
Multiply 25 X $60,000 to get $1.5 million!
November 25, 2024 at 9:39 PM
The Simplest Formula to Retire Early
It's called the 25x rule, where you multiply your annual expenses by 25 to determine how much money you need to retire.
For instance, if your monthly expenses are $5,000, your annual expenses would be $60,000.
Multiply 25 X $60,000 to get $1.5 million!
It's called the 25x rule, where you multiply your annual expenses by 25 to determine how much money you need to retire.
For instance, if your monthly expenses are $5,000, your annual expenses would be $60,000.
Multiply 25 X $60,000 to get $1.5 million!