Mariah Akinbi - Invidious

how I spent $1,079 last week while with my parents:

i have $550K invested. and i still spent $1,079.91 last week.

context for anyone new: i'm 33, live at my parents' and i’m pursuing coast fire. i front-loaded my investing in my 20s and early 30s so compound interest can carry me to retirement.

but no rent doesn't mean no spending!

$1,000/week is roughly $52K/year, which fits inside my coast fire budget. some weeks are higher, some lower, but the total average is what matters.

drop your questions below ↓

i'm not a financial advisor and this is not financial advice. just sharing how i think about money.

#moneydiary #personalfinance #coastfire #financialliteracy

2 weeks ago | [YT] | 8

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Mariah Akinbi

i didn't grow up learning any of this.

no one in my family talked about investing. my school didn't teach it. i didn't open my first retirement account until i was 21 and i had no idea what i was doing.

12 years later i have $550K invested. not because i'm smarter than anyone else. because i figured out the basics and just kept going.

if you don't know where to start, this is for you.

💰 the order of operations matters more than the dollar amount. high-interest debt first, then employer match, then roth IRA, then the rest. you don't need a financial advisor. you need a checklist.

💰 you don't need to pick stocks. most retirement millionaires own three funds at most. one target date fund or one total market index fund is enough. set it, fund it, leave it alone.

💰 the employer match is free money. if your job offers a 5% match and you're not contributing, you're declining a 100% return on every dollar you would have put in. it's the single best financial decision you'll ever make.

the people who retire early aren't smarter than you. they just opened the account.

save this for reference!

#personalfinance #investingforbeginners #investing101 #retirement101 #financialliteracy #rothira #401k #indexfunds #compoundinterest

3 weeks ago | [YT] | 6

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Mariah Akinbi

most of these rules i learned in my late 20s.

some came from books, other personal finance creators, etc.

i didn't grow up hearing "compound interest" at the dinner table. nobody in my family said the words "index fund" out loud. when i started my first big girl job at 25, I wasn’t contributing to my 401k contribution..

so this carousel is for anyone who didn't get the talk.

save it for the next time you're staring at a 401k contribution slider. send it to one friend who'd benefit. and tell me in the comments which rule was new to you. that's how i know what to break down next.

day 82/30 🚀

#coastfire #personalfinance #blackwomenandmoney #financialliteracy #investing #blackgirlmoneymagic

3 weeks ago | [YT] | 10

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Mariah Akinbi

i'm writing it from the kitchen table at my parents' house.

i have $550k invested at 33. i don't drive a new car. i don't have an apartment. i'm probably not going on the trip everyone in your group chat is planning.

here's what i've learned: early retirement doesn't require a six-figure salary or extreme sacrifice. it requires consistency, a few years of looking "behind" the people around you, and a concept called Coast FIRE, which is where compound interest does most of the work.

i broke the whole thing down here. math, myths, real steps. it's the post i wish i had at 25.

comment "COAST" for the calculator i built to find your number.

#coastfire #earlyretirement #personalfinance #fire #investing

1 month ago | [YT] | 17

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Mariah Akinbi

i've placed my identity in athletics, academics, all the things, but ultimately those are fleeting and will always fail me.

Ecclesiastes is one of my fav books in the Bible b/c King solomon had it all. literally everything you could ever want

and even he said that everything is futile and a pursuit of the wind... (and I think we all know this deep in our hearts!)

he came to the conclusion that fearing God and keeping his commands is the only thing to do.

"All that my eyes desired, I did not deny them. I did not refuse myself any pleasure, for I took pleasure in all my struggles. This was my reward for all my struggles. When I considered all that I had accomplished and what I had labored to achieve, I found everything to be futile and a pursuit of the wind. There was nothing to be gained under the sun."

"..When all has been heard, the conclusion of the matter is this: fear God and keep his commands, because this is for all humanity."

Ecclesiastes 2:10-11 & Ecclesiastes 12:13

Christ is Risen. Happy Easter 🤍

1 month ago | [YT] | 6

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Mariah Akinbi

I went to Creator Live in NYC last weekend. 8 hours of sessions on content strategy, personal branding, selling, scaling.

I wrote down a lot. But these 7 things are the ones I keep coming back to days later. Some of them are tactical. Some of them are just things I needed to hear.

Which one hits the hardest for you?

day 45/30 🚀

#CreatorCollegeLive #ContentCreator #CreatorTips #CreatorLive

2 months ago | [YT] | 3

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Mariah Akinbi

Day 1 in the city!

had a remote work day in the city! (also love that people call NYC “the city”)

Do you mix work into your trips or is vacation strictly vacation? lmk beloww

day 35/30 🚀

#NYCTrip #DayInTheLife

2 months ago | [YT] | 10

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Mariah Akinbi

day 23/30: people assume wealth looks a certain way: nice car, your own place, fresh nails, etc.

i have a dented car i haven't fixed. i live with my parents at 33. i park 10 minutes from the office so i don't have to pay for parking (partly because i genuinely love walking!!! partly because i'd just rather not spend the money.)

the living with parents thing gets me the most questions (bc 33!! and so much social pressure) but my parents are the best (frrr) and it's been so fun living with them (and hard as they age) and it just doesnt make logical sense to me to pay rent in the same city that my parents live (and my dad welcomes me with open arms!) def have still contemplated moving out on my own, but those thoughts dont last long loll

living at home has allowed me to make (financial) mistakes and also invest aggressively. living at home is a bigggg reason i have $550K invested at 33.

looking rich and building wealth (freedom) are not the same thing.

💬 what's one thing you spend less on than people expect?

#Deinfluencing #PersonalFinance #CoastFIRE #WorkOptional #BuildingWealth

2 months ago | [YT] | 7

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Mariah Akinbi

When I first started investing I didn't have it all figured out. I was just trying to find my path.

What I did know early on is that day trading and picking individual stocks never appealed to me. Too much stress. Too much randomness in the short term. Too much of my mental energy.

Then I lost $10K trying something different (story for another day!!)

What I know now is that I have a number. A specific dollar amount that means I never have to trade my time for money again. The average market return gets me there. and that’s enough.

Chasing above average returns would mean centering money in a way I don't want to. Letting it take up more mental space.

Index funds let me set it, forget it, and focus on the things that actually matter to me.

Money is a tool. Not the goal.

What's your investing strategy: active or passive?

#PersonalFinance #IndexFunds #CoastFIRE #IntentionalLiving

2 months ago | [YT] | 4

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Mariah Akinbi

A friend asked how I feel about being in my 30s a couple weeks ago and I genuinely LOVE it.

My 20s was figuring things out. Career, lifestyle, friendships. But my 30s? I am taking the action steps to build more of the future I want. I have a clearer vision, more conviction, and more intention.

Do I have everything figured out? Absolutely not. But I am living and loving it.

What better way to celebrate than doing exactly what I love (snowboarding, walking, pasta!)

Tomorrow I am breaking down exactly how much I spent on my birthday!

also i've been saying i'm 33 for the last 6 months 💀

#lifeinyour30s #intentionalliving

3 months ago | [YT] | 5

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