Angelo Castillo

3 Financial Mistakes I’m Avoiding In My 20s 💸 1. Buying a pet I can’t afford Pets can be really expensive, not to mention time consuming. Some people commit to a dog or cat without having any plan or income and realize too late. Think carefully. 2. Not taking investing seriously Time is a cheat code to investing. If you start early enough, your money will grow and double at an alarming rate (relative). Start now! 3. Upgrading my lifestyle Just because i’m making more money, doesn’t mean i need to spend it. II dont need a lambo, or designer clothes. These are just a few money rules/lessons I live by. What are some of yours? #PersonalFinance #moneytips #wealthmindset #investing #buildwealth #money #personalfinance #investing #mindset #wealth #wealthy #wealthymindset #growthmindset #savemoney #invest #stockmarket #frugal

5 YouTubers that taught me about money more than my college degree! 💰#PersonalFinance #money #moneytok #fintok #finance #investing #invest

Is the Amex Platinum Really Worth It? 💳 12 months ago i applied to this card literally just to see what the hype was about. It seemed like everyone loved this card and was a status of prestiege so i wanted to be apart of that club 🤣 I’ve literally abused the crap out of the card, trying to take advantage of all the perks… But it felt like alot of work just to justify the card, so I decided eto cancel it. BUT they just offered me a retention package so im gonna keep it bc the extra 25,000 ($250) def helps offset the balance lol Do you have this card? What do you think #creditcard #credit #amex #americanexpress #creditbuilding #creditscore #money #savemoney

4 Bank Accounts You Need in Your 20s to Avoid Being Broke in Your 30s 💰 1. HYSA: Trad banks give you .01%. HYSA’s can give you 4% and higher. Build your emergency fund & save for big goals here. (🔗 in bio for my favs) 2. Roth IRA: It’s a brokerage account meant for retirement. Invest post-tax $$, grow it tax-free. Compound interest is your best friend. 3. 401(k): Free money. Contribute up to the employer match—no more, no less (unless you’re maxing everything). 4. HSA: Triple tax benefits + covers medical costs now *and* can be used like a retirement account later. THESE ARE ALL FREE! TAKE 10 MINS AND DO THIS NOW!!!!! Just sharing what I wish I knew sooner. Follow to level up your money game 🫡 #PersonalFinance #moneytips #investing #hysa #rothira #401k #hsa #financialfreedom #buildwealth

POV: You Lose Your Credit Vs Debit Card 💳 Honestly guys I never use my debit card. There is no reason to use it unless I need to withdraw cash, which I never do. If you can control yourself (don’t overpay) credit cards are the best. Got any credit questions? Lmk down below! #credit #creditcard #buildingcredit #PersonalFinance #finance #money #wealth

3 Rich People Tricks I'm Using In My 20's 🏦 Link in Bio To Sign Up For Your Own GoFundMe Giving Funds! 1. Reverse Budgeting I budget in reverse. I save first, then fill in the rest with living expenses, shopping etc. Savings and investments is priority #1! 2. Automations Instead of manually savings and investing, just set up automations so your money moves without you lifting a finger. Work harder, not smarter! 3. DAF's or Donar Advised Funds (like GoFundMe Giving Funds 👀) This is where GoFundMe comes in. Only the wealthy people with financial advisors were able to take advantage of DAF's for potential tax purposes. But now with GoFundMe Giving Funds, you and I have access to potentially lower your taxes and be able to give back! No fees, tax deductible right away. I just contributed $500, come join me! #wealth #rich #gofundmepartner #finance #charity #mindset #money

3 Money Automations in your 20’s💰 We aren’t in the stone age anymore. If you don’t have any of these set up, you are falling behind! I have 3 automations currently: 1. To make passive income 2. To grow my wealth 3. To pay off my bills The point is to control your money instead of it controlling you. If you worked hard for that money, make it work hard for you!!! #money #PersonalFinance #savemoney #millionaire #mindset #wealth #wealthy #investing #save #money #finance #rich

7 Stocks I’m Buying in July 📈 Link in bio for my free 5 steps to invest checklist + to see my portfolio! 1. AMD – “Sell the shovels” type of play 2. QQQM – tracks Nasdaq 100 (tech-heavy ETF) 3. Nvidi – AI 4. Google– Going heavy into AI and pretty undervalued tmo 5. Nova Ltd– another “Sell the shovels” 6. Meta – cash cow + investing alot into AI 7. VOO– core of my portfolio: 500 top U.S. companies I’m only this comfrtable since im young to be taking this much risk. But I still keep most of my money in index funds & ETFs as my financial foundation. #money #PersonalFinance #investing #mindset #wealth #wealthy #wealthymindset #growthmindset #savemoney #invest #stockmarket #frugal #stockmarket

5 ETFs To Invest In Your 20’s! (beginner investing tips) 📈 Link in bio to see my portfolio! An ETF (Exchange Traded Fund) is basically a basket of different investments that you can buy in, all at once. Instead of betting on one company, you’re spreading your money across dozens if not hundreds of companies. For example: VOO is an ETF that tracks the S&P 500, aka the top 500 companies in the U.S. Apple, Amazon, Google, tesla etc I have atleast 50-75% in ETFS/Index funds as my financial foundation because it makes investing simple, less risky and less stressful. Plus you’re still getting a great return over the long run! I’m a huge fan of webull for daily account and Vanguard/fidelity for retirement accounts! Save this so you don’t forget! ##investing##invest##stocks##stockmarket##stock##howtoinvest##invest##wealth##mindset##frugal##savemoney##wealthy

How To Buy A Used Car (dont get scammed!) 🚗 1. Check the mileage – 12-15K miles per year is solid. 2. Inspect for damage, leaks, rust – don’t just glance. This can help you negotiate a better deal! 3. Review the vehicle history – Carfax or Autocheck saves you headaches. 4. Know what you can actually afford – aim for 10% of your take-home monthly pay. Buying a used car is almost always the smarter financial decision. Just don’t buy a peice of junk. Comment your best used car tips below 👇 #carbuyingtips #moneymoves #PersonalFinance #usedcar #buildwealth

Helping My Sister Invest Her First $10,000 (Part 1) 💰 Comment “PORTFOLIO” if you want to see my full portfolio! Even though we had a rough start, i am really glad this happened because the lessons were priceless. ✅ Stocks don’t just go up. ✅ You need to trust the process even when it feels uncomfortable. ✅ Wealth is built when the market is down Ngl tho , i am kinda upset that we weren’t able to full advantage of that big drop i april. We still bought but not as much as I would like. By the time everything dropped, she had already ran out of chips for the dip (she still has stuff saved but that’s her money). But again, she’s literally in highscool, so she’s good lol and she learned valuable lessons! We’re still a long way from her $10K goal, but im confident she’s going to be ahead of 99% of people her age because of this. If you want to see part 2, follow along! #investing #PersonalFinance #stocks #wealthbuilding #moneytips #longterminvesting #wealthmindset #financialliteracy #stockmarket #howtoinvest #wealth #mindset #frugal #savemoney #growthmindset

7 Stocks I’m Investing In This May! 📈  Comment “INVEST” for my free 5 steps to invest checklist + to see my portfolio! Link in bio These are the 7 stocks i’m investing in The stock market has been taking a beating, so i’ve been buying up as many deals as I can get my hands on. I still do have some cash to buy more if we go lower. Im really DCA into these positions 1. Tesla – bullish on robo taxi’s and robots. high risk tho 2. Costco – my fav stock. Its business model is rock solid (hello $4.99 rotisserie) + a loyal customer base 3. Nvidia – leading the AI boom. 4. VOO – my foundation: 500 of the biggest U.S. companies in one ETF. 5. Robinhood – just started a position yesterday. will DCA more 6. Amazon – still expanding everywhere and a force to be recon with 7. QQQM –ETF that tracks the Nasdaq 100. another part of my foundation The market’s rebounding, but we’re far from done. This is still one of the best times to build real wealth—if you stay consistent. #investing #stocks #stockmarket #wealthbuilding #PersonalFinance #tesla #nvidia #amazon #voo #qqqm #costco #wealthmindset #moneytips #invest #stock #fire

3 More Things I Did at 18 That Put Me Ahead Financially in My 20s 💸 1. Started a Side Hustle I literally spent a whole year doing every side hustle imaginable. I used every single dollar i had + everything i got from unemployment (EDD) lol. Taught me work ethic, how to learn ANYTHING, and why it’s important to be stubborn. 2 side hustles turned into 6 figure businesses that i do to this day! 2. Didn’t Buy a Car If you can, i would avoid buying any car until you absolutely need it. it’s not only a big purchase, but it will take up alot of mental real estate. I believe there are better and more profitable things you can spend your energy on at that age. 3. Paid Myself First This is a habit that many people, even when they get older, have a hard time doing. Pay yourself first means you prioritize saving/investing first. We all got bills to pay, i know, but if investing is a priority, then what bill can you cutback or is not necessary? These aren’t flashy or sexy moves, but they set me on the path to my “success”. What’s one thing you did that helped your money game? #PersonalFinance #moneytips #wealthmindset #investing #buildwealth #genzfinance #stockmarket #frugal #sidehustle #youngmoney #financialliteracy

#VanguardPartner 2 Financial Mistakes I’m Avoiding In My 20’s 1. Not having an emergency fund: Things happen, and it’s better to be prepared than to have to GET prepared. 2. Keeping money in a traditional bank: I keep all my savings in high-interest accounts so that my money is keeping up with inflation and working for me instead of doing nothing Check out the link in my bio to learn more about Vanguard Cash Plus Account! #PersonalFinance #money #wealth Important Information 👇: The Vanguard Cash Plus Account is a brokerage account offered by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Under the Sweep Program, Eligible Balances swept to Program Banks are not securities: they are not covered by SIPC, but are eligible for FDIC insurance, subject to applicable limits. Money market funds held in the account are not guaranteed or insured by the FDIC, but are securities eligible for SIPC coverage. See the Vanguard Bank Sweep Products Terms of Use at https://personal1.vanguard.com/pdf/Bank_Sweep_Terms_of_Use.pdf and Program Bank list at https://personal1.vanguard.com/pdf/Bank_Sweep_Participating_Banks.pdf for more information. All investing is subject to risk, including possible loss of principal. Bank savings accounts offer different services and features than a Vanguard Cash Plus Account. For example, savings accounts often offer features like overdraft protection, ATM access, bill pay services and other conveniences that Cash Plus Accounts do not offer. Cash Plus Accounts allow you to hold certain securities that bank savings accounts cannot hold. In addition, Cash Plus Accounts are subject to fraud prevention restrictions such as holding periods and transaction limits, which may not apply to a bank savings account. There may be other differences between these products that you may want to consider before choosing which option is best for you. © 2025 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds

POV: you’re in your 20 ‘s 🥲 #twenties #adult #adulting #genz

5 Things I’d Never Do With Money In My 20s 💸 1. Fly first class Paying thousands for a few hours of comfort doesn't make sense to me. I’d rather splurge on the actual trip instead. Plus teleporting is the way to go 2. Use “buy now, pay later” They want you to spend more than you can afford. Don't end up paying for fees and interest. it’s a trap! 3. Use a debit card No points. No fraud protection. Why even use them. Credit card all day (if you’re smart with it). 4. Buy designer clothes They're selling hype, not quality. I'm not trying to go broke trying to look rich. 5. Keep money in my checking account If my money isn't growing, then it's losing its value. My money is either growing in the market or earning in a high-yield savings account. These are just a few money rules I live by. What’s one rule you follow with money? #mindset #SelfImprovement #personaldevelopment #moneytips #growthmindset #buildwealth #wealth #money

3 Investing Accounts I Opened In My 20s 📈 Link in bio to get my free 5 Steps to Investing checklist! 1. Roth IRA You contribute post tax dollars and any growth is tax free! It’s OP. Don’t sleep on this one. 2. 401(k) Employer match = free money. Contribute up to the match and helps you lower taxable income. 3. Regular Brokerage account No tax advantages, but no limits either. After you max out retirement accounts invest here! #PersonalFinance #investing #moneytips #rothira #401k #buildwealth #stockmarket #financialliteracy #moneymoves #wealthmindset #investyoung #frugal #financialgoals #retireearly #youngmoney

This ONE Mistake Could Cost You Up to $700,000 (don’t let this be you) If you’ve ever switched jobs, listen up. There’s over $1.65 trillion in forgotten 401(k)s just sitting out there. And honestly… I was one of them. I had a 401(k) from a summer job I left years ago—completely forgot it even existed. Meanwhile, it sat there collecting dust—and fees. Here’s the crazy part: Leaving that money untouched could cost you up to $700,000 in lost growth over your lifetime. Thanks to @Capitalize they can find it, handle the entire process and roll it over into an IRA you actually control. No stress. No phone calls. No fees. They handle all the paperwork, for free! Don’t leave your money behind. Put it to work. 🔗 Check the link in my bio to get started. #PersonalFinance #moneymoves #wealthmindset #buildwealth #financialliteracy #Capitalize #AD #PaidPartner #CapitalizePartner

5 Books You NEED to Read In Your 20s 📚 I wasn’t a big reader before, but these books gave me the mindset + money lessons school never did. 1. The Defining Decade – Why your 20s matter way more than you think 2. Unshakeable – The one page that made me start investing ASAP 3. Atomic Habits – How to build good habits and take out the bad; Helped me quit smoking 4. The Psychology of Money – Your emotions and relationship with money makes the biggest impact on your wealth-building journey 5. Think and Grow Rich – Build wealth with 13 actionable steps One good book can change your whole trajectory. These were mine (not mentioned almanck of naval ravikant). What’s one that changed yours? #PersonalFinance #SelfImprovement #wealthmindset #bookrecommendations #moneytips #investing #growthmindset

3 Bad Money Traits I Had to Change in My 20s 💭 1. Having an external locus of control We are all dealt differen’t cards, but if you think your life is controlled by luck or other people, you give up your power to take control. If you take accountability, you take control. 2. Demonizing money Money isn’t good or evil. It’s just a tool, and unfortunatly a necessity for life. Hating on people who have it won't get you anywhere. Be curious and learn from them. 3. Focusing on earning rather than learning The world is always changing every day, and if you only focus on how much money you can make now, you will miss out on all that you can earn later on. Keep learning and stay competitive! Everything was 100% in my control. And once I changed them, my life began to change. If you agree and want to turn into the best and wealthiest version of yourself, hit that follow button! #mindsetshift #moneytips #PersonalFinance #wealthmindset #buildwealth #financialgrowth #selfdevelopment