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Andrew Lokenauth

@FluentInFinance446k followers

I write , trusted by 100,000 to get smarter with money, investing, the economy, geopolitics, and decision-making.

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1Dec 5, '23This is what $108 from Aldi gets you:77.7×27M110k5.2k4.6k
2May 29, '23Age at first $1 Billion: • 23 Mark Zuckerberg • 31 Bill Gates • 33 Tiger Woods • 34 Rihanna • 35 Jeff Bezos • 40 Mark Cuban • 41 Elon Musk • 49 Oprah • 50 Jay-Z • 51 Michael Jordan49.2×17.1M64k7.8k13k
3Dec 17, '24If you win tonight's $760,000,000 lottery jackpot (8th largest in history) here are 7 things to do ASAP: 1) Don't sign the ticket (first set up a trust to stay anonymous & prot38.7×13.5M52k3.3k47k
4Jun 25, '23Age at first $1 Million: • 20 Beyoncé • 23 Steve Jobs • 26 Bill Gates • 26 Michael Jordan • 26 Jay-Z • 27 Elon Musk • 29 Naval • 30 Warren Buffett • 32 Oprah • 34 Gary V • 33 Jeff 32.6×11.3M44k5.4k9.5k
5Aug 7, '24Mastering Profit and Loss ‼️31×10.8M54k6.2k34k
6Aug 16, '24You're LEGALLY entitled to compensation for flights canceled or delayed — Here's what you say: Save this script to complain via email, chat, text, or phone: "Hi, my name is [Your N29.9×10.4M51k8.4k95k
7Jan 4, '25Costco is building apartments above its stores to address the affordable housing crisis, starting early this year. Walking downstairs and getting a $1.50 hot dog gives new meaning 29.9×10.4M94k6.2k7.5k
8Jun 6, '24Master time management:27.5×9.6M44k8.8k40k
9Jul 4, '23Age at first $1 Billion: • 23 Mark Zuckerberg • 31 Elon Musk • 31 Bill Gates • 32 Rihanna • 35 Jeff Bezos • 35 Steve Jobs • 39 Beyoncé • 40 Oprah • 42 Jay-Z • 51 Michael Jordan • 522.2×7.7M32k4.3k6.3k
10Aug 14, '24BREAKING: Warren Buffett just updated his investment portfolio. He has $280 Billion invested in these 41 stocks:22.2×7.7M31k4.2k21k
11Jul 12, '23$30,000 is the cost of the average wedding, 4 hours is the length of the average wedding. Taking out a $30,000 loan to pay for a 4-hour wedding is crazy to me.21.3×7.4M35k5.3k1.1k
12Jul 1, '23Never let a job steal your life, use your salary to invest in passive income so that passive income replaces your salary. Here are 7 popular ways to create passive income:20.8×7.3M38k6.8k16k
13Oct 1, '25Warren Buffetts’s solution to end the US government shut down: "I could end the deficit in five minutes. You just pass a law that says that any time there’s a deficit of more than 20.4×7.1M155k22k7.3k
14May 7, '2499% of people don't ask good questions at the end of job interviews. Here are 10 questions I used to get hired by JP Morgan, Goldman Sachs and Citi:20.4×7.1M21k3.2k61k
15Aug 16, '24This is what $107 gets you from Aldi19.9×6.9M68k2.1k3.7k
16Apr 14, '24Every job interview ends with Q&A But most people never ask questions at the end of job interviews Here are 10 questions I used to get hired at JP Morgan, Goldman Sachs and Cit18.4×6.4M23k3.9k62k
17May 11, '23Age at first $1,000,000: • 18 Beyoncé • 26 Jay-Z • 23 Steve Jobs • 27 Elon Musk • 29 Naval • 30 Michael Jordan • 31 Bill Gates • 32 Warren Buffett • 32 Oprah • 34 Gary V • 35 Jeff 17.1×6M22k2.8k5.8k
18May 6, '24People who locked in a 3% mortgage in 2021:16.4×5.7M78k4.4k1.5k
19Jun 1, '23I've been hired by JP Morgan, Goldman Sachs, Citi and received many other job offers, because I was prepared for the job interview, not because I was the "smartest" Here are 10 com14.8×5.2M22k4.6k33k
20Aug 9, '2410 finance movies you should watch this weekend: 1. The Big Short14.5×5.1M16k2.3k22k
21Mar 11, '23Many don't realize the importance of Silicon Valley Bank to the economy & the ripple effects coming SVB's failure is the beginning of a domino effect throughout tech & star13.9×4.8M13k3.1k3k
22Jul 10, '23US States with no State Income Tax: • Texas • Alaska • Florida • Nevada • Wyoming • Tennessee • Washington • South Dakota • New Hampshire Would you live in any of these States?13.5×4.7M23k2.2k1.7k
23Sep 5, '25This is the definition of broken: United States housing data shows home sellers now exceed buyers by over 500,000, the largest imbalance ever recorded, per Redfin. Do you realize w13.1×4.6M48k5.8k4k
24Jul 29, '24Mastering Time Management:12.5×4.3M20k2.8k18k
25Apr 21, '24Top 7 Cities people are moving from: 1. New York City, NY 2. Los Angeles, CA 3. Chicago, IL 4. Washington, D.C. 5. San Francisco, CA 6. Seattle, WA Top 7 Cities people are moving t12.3×4.3M8.1k1.1k2.3k
26Jun 27, '23Car prices are about to drop, an oversupply of vehicles will lead to manufacturers slashing prices. There are too many cars and not enough buyers. UBS reports that the production o12.2×4.3M18k3.3k2.8k
27Mar 12, '23How does the 16th largest bank in America collapse in 48 hours? Can this happen to your bank too? I've worked in Banking for 10 years so let me explain WHY the Silicon Valley Bank 12×4.2M13k3.9k3.6k
28May 1, '23Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 ways to create passive income systems:11.4×4M16k3.5k9.9k
29Mar 15, '24BREAKING: The National Association of Realtors is eliminating the 6% realtor commission. Here’s everything you need to know: With the end of the standard commission, real estate ag11.2×3.9M8.5k1.6k4k
30Apr 18, '231997: Apple loses $1 Billion 2023: Apple makes $1 Billion every 3 days Today: $AAPL launches a new savings account paying 4.15% (10x the national average) with NO fees or minimums 11.1×3.9M18k2.7k3.2k
31Mar 8, '23I've been hired by JP Morgan, Goldman Sachs and Citi, and received job offers from many others. Here are 10 common interview questions and tips for answering each so you stand out 10.9×3.8M16k3.3k18k
32Apr 19, '23Taxes will be the biggest expense in your lifetime, so strategic tax planning is a must. Tax code is 75,000+ pages, the wealthy use every page of it to legally avoid taxation and y10.8×3.8M14k2.1k13k
33May 12, '24Never let a job steal your life. Layoffs this year: • UPS: 12,000 • Meta: 11,000 • FedEx: 12,000 • Google: 12,000 • Amazon: 27,000 • Walmart: 12,000 • Citigroup: 20,000 • Microsoft10.8×3.8M26k4.2k2.3k
34Nov 9, '25People who locked in mortgages at 2% in 2021.10.7×3.7M127k4.3k1.8k
35Jul 9, '23If you win this week's $650 Million lottery jackpot (the 10th largest in history), here are 6 things to do ASAP: 1) NEVER sign the ticket (because you want to set up a trust & 10.7×3.7M11k1.3k8.4k
36Aug 12, '24Top Cities people are moving to: 1. Phoenix, AZ 2. Dallas, TX 3. Austin, TX 4. Denver, CO 5. Charlotte, NC 6. Las Vegas, NV 7. Tampa, FL Top Cities people are moving from: 1. New Y10.1×3.5M15k1.4k3.1k
37Jul 5, '23Taxes are your biggest expense in life so strategic tax planning is a must, pay your legal share and not a dollar more. Tax code is over 75,000 pages and the wealthy use every page10.1×3.5M9.4k1.4k10k
38Jul 2, '24People who locked in a 3% mortgage for 30 years9.8×3.4M54k2.6k845
39Jun 15, '24Profit and Loss:9.7×3.4M24k3.3k13k
40Feb 20, '23If you don't take advantage of AI tools you're going to be left behind. Here are 20 must-know AI tools, to work smarter, not harder in 2023 (and finish hours of work in seconds):9.6×3.3M16k4k19k
41Aug 4, '24Master Time Management9.1×3.2M14k2.3k13k
42Jun 5, '23Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 popular ways to create passive income:8.9×3.1M11k2.2k8.7k
43Apr 27, '23I'm an expert in Microsoft Excel and used it for 15 years working in finance. Here are 10 tips & functions to increase your productivity 100X and make you feel like an expert:8.7×3M14k3.3k14k
44Jul 10, '23Roth IRAs can make you a tax-free millionaire in retirement, but only 10% of people actually invest in one! Roth IRAs are the ultimate tax loophole so here is everything you need t8.7×3M10k1.4k7.5k
45Feb 26, '24The cost of procrastination is the life you could’ve lived. If you suffer from procrastination, read this:8.6×3M20k3.2k20k
46Apr 25, '23Microsoft Excel Shortcuts A to Z, to maximize your productivity (bookmark these for later): CTRL + A ➡️ Select All CTRL + B ➡️ Toggle BOLD (font) CTRL + C ➡️ Copy CTRL + D ➡️ Fill 8.5×3M15k5k12k
47Mar 9, '24The root of procrastination isn't laziness, it's anxiety. If you struggle with procrastination, read this:8.2×2.8M21k3.6k29k
48Jun 13, '23A Roth IRA's can make you a tax-free millionaire in retirement, it's the ultimate tax loophole but less than 10% of people actually have one. Here is everything you need to know ab8.2×2.8M12k1.5k8.9k
49Mar 14, '23If you don't take advantage of AI tools in 2023 you may get left behind. Here are 10 must-know AI tools to increase your productivity 100x and finish hours of work in seconds:8.0×2.8M9.5k2.2k12k
50Jul 17, '23I've used Microsoft Excel for 20 years and these 10 functions will make you feel like an expert (so don't use Excel again without knowing them):8.0×2.8M10k2.4k15k
51Mar 3, '24Every job interview ends with a Q&A. But 99% of job applicants don’t ask good questions. Here are 10 questions to get more job offers:7.8×2.7M13k3.1k34k
52Mar 24, '23I've used Microsoft Excel for 15 years working in Finance and these 10 tips will make you an expert (and increase your productivity 100X) 📊Don't ever use Excel again without knowi7.6×2.6M12k3.2k15k
53Apr 3, '23Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 common ways to create passive income:7.5×2.6M9k1.8k7.2k
54Apr 21, '23A Roth IRA can make you a millionaire and you'll pay $0 taxes (but less than 10% of people actually own a Roth IRA) ~30% of people have $0 retirement savings (and Bloomberg estimat7.3×2.5M10k1.4k6.8k
55Jul 17, '23Never allow a job to steal your life.7.2×2.5M32k12k477
56Mar 22, '232023 Tax Tip: If you own a business & have kids under 18, you can pay them $13,850 tax-free and deduct it from your taxable income Your child will owe $0 in taxes and you legal7.2×2.5M9k1.1k6.1k
57Jun 18, '24You need 3 daily wins:7.2×2.5M19k3k6.1k
58Aug 26, '24You just had to be there.7.2×2.5M26k1.6k422
59May 22, '24Monthly mortgage on a $500,000 home today: $3,500 Monthly mortgage on a $500,000 home in 2021: $2,000 $1,500 more per month for the same home. Wild.7.2×2.5M8.3k960519
60Apr 20, '23The rich avoid taxes with a strategy “Buy, Borrow, Die”: 1) Buy assets & hold (to avoid capital gains tax) 2) Use assets as collateral to borrow money (while assets appreciate)7.0×2.4M8k1.8k5.5k
61Mar 29, '23BREAKING: China & Brazil have agreed to trade in their own currencies, ditching the US dollar. If more countries start to trade in their own currencies, it could reduce the dem6.8×2.4M12k2.9k1.5k
62Feb 10, '23Use your salary to invest in passive income so that passive income replaces your salary. Here are 7 passive income streams to build wealth:6.6×2.3M11k2.5k6.1k
63Aug 6, '23You're LEGALLY entitled to compensation for flights canceled or delayed — Here's what you do: Many flights are canceled or delayed, but you are legally entitled to: • Refunds • Alt6.6×2.3M8.6k1.4k12k
64May 29, '24Teaching children about money should be part of parenting because most schools won't do it. Here are 10 finance terms everyone should know:6.6×2.3M11k2.1k12k
65Nov 8, '25President Trump’s 50-year mortgage explained:6.4×2.2M21k3.3k2k
66Jul 25, '23People who locked in a 3% mortgage in 2021:6.4×2.2M19k2.4k266
67Apr 4, '24Mortgages are now 7.5% People who locked in 3% mortgages in 2021:6.2×2.1M15k1.1k329
68Jun 26, '23Never let a job steal your life6.1×2.1M28k11k456
69Apr 13, '23I've used Microsoft Excel for 20 years and these 10 tips will make you an expert & increase your productivity 100X Don't use Excel again without learning these 10 functions:6.1×2.1M8.3k2.1k9.7k
70Jul 5, '2410 finance movies that will make you smarter: 1. The Big Short6.0×2.1M9.5k1.5k15k
71Oct 6, '22I've used Microsoft Excel for 20 years, and these 20 tips & functions will make you an expert and increase your productivity 100X📊 Don't ever use Excel again without knowing t6.0×026k7.9k21k
72Feb 12, '23Age at FIRST $1 Billion: • 31 Bill Gates • 33 Tiger Woods • 34 Rihanna • 35 Jeff Bezos • 41 Elon Musk • 48 Ralph Lauren • 49 Oprah • 50 Jay-Z • 51 Michael Jordan • 56 Warren Buffet5.9×2M8.7k1.7k2.7k
73Jul 18, '24Learn to control your mouth, mind, and mood.5.7×2M12k1.8k5.5k
74Mar 1, '24The most important job interview question of all time: "Tell me about yourself" Here's how to prepare a great answer (and get a job offer):5.6×1.9M9k2.2k17k
75Apr 26, '24A $400,000 mortgage is $3,000 per month today. A $400,000 mortgage was $1,500 per month in 2021. $1,500 more a month for the same house. Wild.5.3×1.9M10k1.6k862
76Feb 17, '24YouTube is free education. But there are over 38,000,000 channels and 99% don't know the best channels. Here are 10 channels to make you smarter (and teach you new skills):5.2×1.8M9.9k2.6k21k
77Aug 7, '24The “middle-class” debt trap: New Car: $65,000 Wedding: $40,000 Mortgage: $600,000 Student Loans: $150,000 $800,000+ in debt before 30. Society is built on getting you into a lifet5.1×1.8M15k1.7k1.3k
78Feb 9, '23Become an Excel Guru in 5 minutes with these 20 Must-Know Functions to Maximize your Productivity 100x:4.9×1.7M9.5k3.5k7.7k
79Mar 31, '24You see the BMW but not the $70,000 car loan. You see the trip to Bali but not the $10,000 credit debt. You see the designer clothes but not the $0 Roth IRA. Social media is an ill4.9×1.7M24k3.2k951
80Jul 13, '24The only thing between you and success is self-discipline. If you lack discipline, read this:4.6×1.6M8.7k1.6k7.1k
81Jun 20, '23Don’t let a job steal your life4.6×1.6M19k8.7k352
82Sep 15, '22I've worked 15+ years in Finance and am an expert in Microsoft Excel, here are 12 Excel tips & functions that will increase your productivity and make you feel like an expert: 4.6×020k5.8k16k
83Jan 18, '2311 Microsoft Excel functions to make you an expert: (1) XLOOKUP (2) Pivot Tables (3) Goal Seek (4) Sparklines (5) IF (6) SUMIFS (7) COUNTIFS (8) Index Match (9) VLOOKUP (10) Transp4.4×1.5M13k5k8.1k
84Feb 8, '24Your job can now match your Student Loan Payments as 401(k) contributions, due to a new law. This is HUGE for millions struggling with debt. Here's everything you need to know:4.2×1.5M10k2k9.4k
85Aug 13, '24By age 30 you should have: • A budget • A Roth IRA • Term life insurance • $0 credit card debt • A 3-6 month emergency fund • At least two streams of income • A HSA (health savings3.7×1.3M9.1k8245.4k
86Feb 4, '24AI-generated images of "The Office" in "Grand Theft Auto": 1) Michael Scott:3.6×1.3M11k636908
87Nov 29, '24The S&P 500 is up 57% since Michael Burry said, "Sell."3.5×1.2M15k518485
90Nov 26, '22I've been hired by Goldman Sachs, JP Morgan Asset Management and Citi to name a few. Here are 10 commonly asked interview questions and how to prepare for each so you stand out &am3.3×012k2.7k14k
91Nov 6, '25View post on X3.2×1.1M12k376408
92Nov 9, '25“50-year mortgages. A cutting edge strategy to the housing crisis. You only pay $500,000 more in interest but it’s $600 less each month”3.1×1.1M31k3k921
93Nov 11, '24No car payments 700+ credit score $0 credit card debt 6-figures in the bank 2-3 rental properties 6-month emergency fund $100,000 in your Roth IRA Multiple streams of income Claim 3.1×1.1M33k4.1k3.8k
94Oct 17, '22Use your salary to invest in passive income, so that passive income replaces your salary. 💰Let's breakdown 4 ways to create passive income & change your life:3.0×015k3.8k9.2k
95Aug 12, '24From age 20-50, I can't stress this enough:2.9×995k13k2k2.4k
96Jul 10, '23Never ever let a job steal your life.2.7×929k12k4.9k156
97Nov 7, '22When you win the $1.9 Billion lottery jackpot, here are 6 things to do ASAP: 1. Don't sign the ticket yet 2. Keep quiet & don't tell anyone 3. Make copies of the ticket then hi1.6×09.2k1.3k5k
98Nov 6, '25View post on X1.1×374k11k651393
100Mar 8War, Iran, and Oil (and What Happens Next) In 1973, Arab oil producers cut off the West. Oil prices quadrupled. The stock market cratered. A new word entered every investor's vocab0.5×184k33064238
101Nov 9, '25We don’t need 50-year mortgages. The U.S. already has $13.1 trillion in mortgage debt, a record high. Ban hedge funds from buying homes.0.3×115k11k1.7k99

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