Carlos McWhorter, CPA
@carlosmcwhortercpa.bsky.social
Don't gamble with your portfolio! Assessing the risk your investments are exposed to is a skillset many don’t have. We assume it requires complex math that only finance majors and professionals are familiar with. But it’s actually not that hard to accomplish.
December 6, 2025 at 2:17 PM
Don't gamble with your portfolio! Assessing the risk your investments are exposed to is a skillset many don’t have. We assume it requires complex math that only finance majors and professionals are familiar with. But it’s actually not that hard to accomplish.
The lasting impact of financial generational trauma isn’t discussed enough.
December 1, 2025 at 3:22 PM
The lasting impact of financial generational trauma isn’t discussed enough.
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.
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."
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
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
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.
People who criticize dividends don't understand investing.
Over a long period, reinvested dividends to do the heavy lifting!
Source: Hartford Funds
Over a long period, reinvested dividends to do the heavy lifting!
Source: Hartford Funds
October 15, 2025 at 12:30 PM
People who criticize dividends don't understand investing.
Over a long period, reinvested dividends to do the heavy lifting!
Source: Hartford Funds
Over a long period, reinvested dividends to do the heavy lifting!
Source: Hartford Funds
Sir Isaac Newton sold stock in the South Sea Company in 1720 as he observed the mania behind the meteoric rise in the stock after it went from £128 to £1,050.
His thoughts on the direction of the market:
"I can calculate the motions of the heavenly bodies, but not he madness of the people."
His thoughts on the direction of the market:
"I can calculate the motions of the heavenly bodies, but not he madness of the people."
October 14, 2025 at 5:00 PM
Sir Isaac Newton sold stock in the South Sea Company in 1720 as he observed the mania behind the meteoric rise in the stock after it went from £128 to £1,050.
His thoughts on the direction of the market:
"I can calculate the motions of the heavenly bodies, but not he madness of the people."
His thoughts on the direction of the market:
"I can calculate the motions of the heavenly bodies, but not he madness of the people."
When you look at this chart, where do you think we are?
In my opinion, it’s in the Euphoria or Peak stages.
However, I could be wrong and we could still be in the Boom stage.
You’ll never know for sure until the collapse is here.
In my opinion, it’s in the Euphoria or Peak stages.
However, I could be wrong and we could still be in the Boom stage.
You’ll never know for sure until the collapse is here.
October 14, 2025 at 3:20 PM
When you look at this chart, where do you think we are?
In my opinion, it’s in the Euphoria or Peak stages.
However, I could be wrong and we could still be in the Boom stage.
You’ll never know for sure until the collapse is here.
In my opinion, it’s in the Euphoria or Peak stages.
However, I could be wrong and we could still be in the Boom stage.
You’ll never know for sure until the collapse is here.
October 11, 2025 at 10:46 PM
It's smart to have money invested that you never have to worry about.
Just money that's growing at low risk and you never need to check on.
#investing #money #wealth
Just money that's growing at low risk and you never need to check on.
#investing #money #wealth
October 7, 2025 at 11:27 PM
It's smart to have money invested that you never have to worry about.
Just money that's growing at low risk and you never need to check on.
#investing #money #wealth
Just money that's growing at low risk and you never need to check on.
#investing #money #wealth
Manufacturer in the US has now declined for 6 consecutive months.
An increase in manufacturing orders has some analysts hopefu for an uptick in activity while some are saying this is another sign of a coming recession.
An increase in manufacturing orders has some analysts hopefu for an uptick in activity while some are saying this is another sign of a coming recession.
October 3, 2025 at 6:11 PM
Manufacturer in the US has now declined for 6 consecutive months.
An increase in manufacturing orders has some analysts hopefu for an uptick in activity while some are saying this is another sign of a coming recession.
An increase in manufacturing orders has some analysts hopefu for an uptick in activity while some are saying this is another sign of a coming recession.
October 2, 2025 at 1:18 AM
Growth dividend investing focuses on stocks with lower dividend yields but higher growth potential.
The goal is stocks likely to grow their dividend over time, prioritizing yield-to-cost.
#investing #dividends
The goal is stocks likely to grow their dividend over time, prioritizing yield-to-cost.
#investing #dividends
September 25, 2025 at 10:48 PM
Growth dividend investing focuses on stocks with lower dividend yields but higher growth potential.
The goal is stocks likely to grow their dividend over time, prioritizing yield-to-cost.
#investing #dividends
The goal is stocks likely to grow their dividend over time, prioritizing yield-to-cost.
#investing #dividends
The Stargate project aims to invest $500B in AI infrastructure for OpenAI in the US over four years.
Oracle is well-positioned to provide databases for this project.
#AIinfrastructure #OpenAI #StargateProject #Oracle #Investing #Technology #Innovation
Oracle is well-positioned to provide databases for this project.
#AIinfrastructure #OpenAI #StargateProject #Oracle #Investing #Technology #Innovation
September 21, 2025 at 12:58 PM
The Stargate project aims to invest $500B in AI infrastructure for OpenAI in the US over four years.
Oracle is well-positioned to provide databases for this project.
#AIinfrastructure #OpenAI #StargateProject #Oracle #Investing #Technology #Innovation
Oracle is well-positioned to provide databases for this project.
#AIinfrastructure #OpenAI #StargateProject #Oracle #Investing #Technology #Innovation
When investing for dividend growth, it's crucial to ensure companies are well-established and financially robust.
Prioritize stability and proven performance.
#dividends #investing #stockmarket #cashflow #wealth
Prioritize stability and proven performance.
#dividends #investing #stockmarket #cashflow #wealth
September 6, 2025 at 2:19 PM
When investing for dividend growth, it's crucial to ensure companies are well-established and financially robust.
Prioritize stability and proven performance.
#dividends #investing #stockmarket #cashflow #wealth
Prioritize stability and proven performance.
#dividends #investing #stockmarket #cashflow #wealth
For many, the best way to build future passive income is dividend growth investing.
Dividend growth can build future financial security.
#dividends #passiveincome #investing #stockmarket #financialfreedom #dividendgrowth #wealthbuilding
Dividend growth can build future financial security.
#dividends #passiveincome #investing #stockmarket #financialfreedom #dividendgrowth #wealthbuilding
September 4, 2025 at 8:57 PM
For many, the best way to build future passive income is dividend growth investing.
Dividend growth can build future financial security.
#dividends #passiveincome #investing #stockmarket #financialfreedom #dividendgrowth #wealthbuilding
Dividend growth can build future financial security.
#dividends #passiveincome #investing #stockmarket #financialfreedom #dividendgrowth #wealthbuilding
Money issues?
Turns out, fear, anxiety, shame, guilt, or confusion can stem from childhood events or experiences passed down from caregivers or parents.
#moneytips #financialhealth #emotionalintelligence #moneymanagement #parenting
Turns out, fear, anxiety, shame, guilt, or confusion can stem from childhood events or experiences passed down from caregivers or parents.
#moneytips #financialhealth #emotionalintelligence #moneymanagement #parenting
September 1, 2025 at 5:20 PM
Money issues?
Turns out, fear, anxiety, shame, guilt, or confusion can stem from childhood events or experiences passed down from caregivers or parents.
#moneytips #financialhealth #emotionalintelligence #moneymanagement #parenting
Turns out, fear, anxiety, shame, guilt, or confusion can stem from childhood events or experiences passed down from caregivers or parents.
#moneytips #financialhealth #emotionalintelligence #moneymanagement #parenting
If you think dividends are overrated, just know 85% of the total return of the S&P 500 is attributed to reinvested dividends from 1960-2024.
Reinvesting your dividends will boost your potential to build wealth.
Reinvesting your dividends will boost your potential to build wealth.
August 12, 2025 at 1:45 PM
If you think dividends are overrated, just know 85% of the total return of the S&P 500 is attributed to reinvested dividends from 1960-2024.
Reinvesting your dividends will boost your potential to build wealth.
Reinvesting your dividends will boost your potential to build wealth.
$CVNA is a hell of a comeback story.
July 10, 2025 at 1:47 PM
$CVNA is a hell of a comeback story.
Prices are going up 8%-15% according to executives at major retailers due to tariffs.
Retailers are beginning to decrease inventory levels to mitigate the increased costs of goods.
Source: CNBC
#tariff #stockmarket #wealth #finance #tradewar
Retailers are beginning to decrease inventory levels to mitigate the increased costs of goods.
Source: CNBC
#tariff #stockmarket #wealth #finance #tradewar
July 1, 2025 at 10:30 PM
Prices are going up 8%-15% according to executives at major retailers due to tariffs.
Retailers are beginning to decrease inventory levels to mitigate the increased costs of goods.
Source: CNBC
#tariff #stockmarket #wealth #finance #tradewar
Retailers are beginning to decrease inventory levels to mitigate the increased costs of goods.
Source: CNBC
#tariff #stockmarket #wealth #finance #tradewar