TheMoneySavvyAngel

TheMoneySavvyAngel Teaching YOU practical personal finance strategies to gain control of your finances so you worry less I am not responsible for your investment decisions.

*DISCLAIMER*
Every post on this page or my personal profile (Angel Oge Egbuna) is for your information and education purposes and not financial advice. Please do your research and consult a financial advisor before making an investment decision.

08/20/2026

Do you have kids between the eligible age? Don't miss this!👌🏾

08/19/2026

When you switched jobs, you probably did these things:

- Transferred your direct deposit.
- Updated your address.
- Started the new health insurance and you left your old 401K sitting at your former employer.

Right now, that account is probably in a default fund chosen by HR when you first enrolled. A stable value fund. A money market. Growing at around 2% while index funds average 7%.

Quietly, fees are also eating 0.5–1% of that balance every year.
Nobody from the old job calls to tell you. It just sits.

Here is what you can do: roll it over.

A rollover means you move that money into your current employer’s 401K or a Rollover IRA at Fidelity. Same money. Better options. Lower fees. Your choice of index funds.

Here is why the numbers matter:
$10,000 left in a 2% default fund for 20 years: $14,859.
Same $10,000 in an S&P 500 index fund at 7% for 20 years: $38,697.
Same money. Same 20 years. $23,838 difference, just from where it sits.

The rollover is mostly paperwork. It takes about two weeks to process. The call to start it takes 15 minutes.

Have you ever left a 401K behind at an old job? Drop a comment if you have already rolled one over, I want to hear how it went.

08/18/2026

$1,000 COMPLETELY FREE!

Do you have children below age 18?

There is an account called a Trump Account. Officially it is called a MAGA Account: Money Accounts for Growth and Advancement.

It launched July 4, 2026. And most immigrant parents I have spoken to have no idea it exists.

Here is how it works.

Any child under 18 with a Social Security number can have one. But here is the part that matters most for immigrant families:
If your child was born in the United States, they are a US citizen, regardless of your visa or immigration status. H1B. Green card. Work permit. OPT. Your child, born on US soil, is a citizen.

Children who are US citizens born between January 1, 2025 and December 31, 2028 receive a one time $1,000 deposit from the US Treasury when the account is opened. That money goes straight into a low cost index fund and grows tax deferred until the child turns 18.

$1,000 at 7% average return over 18 years: $3,380.
You can also contribute up to $5,000 a year yourself. If you add just $50 a month alongside the government’s $1,000 seed, your child has roughly $24,900 by the time they turn 18.

Here is what to do:
— Go to TrumpAccounts.gov or download the Trump Accounts Official App
— Complete Form 4547 — filed with your 2025 tax return or submitted online
— Your child needs a valid Social Security number to open the account
— Contributions can be made by parents, grandparents, and relatives up to $5,000 per year total
— Money must be invested in low cost index funds like the S&P 500.
The account grows tax deferred and is treated like a traditional IRA when the child turns 18.

Comment TRUMP and I will send you the step-by-step guide for immigrant families , including which children qualify for the $1,000 seed and which do not.

08/14/2026

Let me explain the S&P 500 in a way that actually makes sense.

The S&P 500 is a list of the 500 largest companies trading on the US stock market (Apple, Microsoft, Amazon, Google, Nvidia, Johnson & Johnson, JPMorgan, and 493 more).

When you buy VOO or FXAIX, which is what I recommend for most people starting out, you buy a tiny piece of all 500 of those companies at once. One transaction. 500 companies.

When the news says “the S&P 500 is up 1.5% today,” what that means is: the average value of those 500 companies went up 1.5%.
When it drops, which it does, regularly, sometimes sharply, those same 500 companies are still making products, serving customers, and going to work. The number went down. The businesses kept running.

Here is the part that matters:
Over the last 30 years, the S&P 500 has returned an average of about 10% per year, including every crash, every correction, every scary headline.
Not 10% every year. Some years it’s up 25%. Some years it’s down 20%. The average, over time: about 10%.

$50 a month invested in the S&P 500 for 30 years at 10%: $113,024.
No stock picking. No timing. No guessing.

Did the S&P 500 confuse you before reading this? Yes or no in the comments.

&P500

08/13/2026

Do this for your children! It'll help them!👌🏾

08/13/2026

I need to ask you something.

Does your employer offer a 401K?
If yes, do they match what you contribute?

Here is what that means in real money: if your company matches 3% and your salary is $60,000, they put $1,800 into your retirement account every year. Free. As long as you are also contributing at least 3%.
$1,800. Every year. Just for opting in.

Most immigrants walk away from this for years. Not because we don’t want it. Because nobody explained the mechanic when we started.

Here is what to do today:
— Log into your HR portal (ADP, Workday, Bamboo, wherever you check your payslip).
— Find “Benefits” or “Retirement”.
— Check the employer match percentage.
— Set your contribution to at least that number.
— If you can’t find it, email HR: “I want to contribute enough to get the full employer match. Can you help me set this up?”

$1,800 a year at 7% for 25 years: $113,848. From money your employer was already setting aside.

Comment MATCH and I’ll send you the 5 questions to ask your HR department this week.

08/12/2026

There are 4 accounts every immigrant in the US should have.

Most of us have 1 or none.

Here they are, in the right order:
— Emergency fund. High yield savings account (Marcus by Goldman Sachs, SoFi, or Ally) Free, FDIC insured, 4–5% right now. 3 months of your non-negotiables. This comes first.

— 401K through your employer. If they match contributions, you put in at least that percentage before anything else. That is free money with your name on it.

— Roth IRA at Fidelity. No minimum. Buy VOO or FXAIX. Set it to invest automatically on payday. The IRS never taxes this money again.

— Brokerage account at Fidelity. For money you want access to before retirement, or when your Roth IRA is maxed.

Four accounts. In that order. Everything else is extra.

Most immigrants I talk to have a checking account and a WhatsApp transfer going home every month. That is not a portfolio. That is survival mode.
A portfolio is these four things working together while you sleep.

Comment PORTFOLIO and I’ll send you the free Portfolio Builder, one page that shows exactly what goes in each account and how much.

08/11/2026

Immigrants, watch this!

It's FREE, link in bio.

08/10/2026

The stock market dropped recently.
Enough that people started messaging me asking if they should sell.

Here is exactly what I did: nothing.

Not because I wasn’t paying attention. I was watching. And I kept my automatic contribution running.

Here is the thing about market drops that nobody tells you:
When the market drops and you have an automatic contribution running, your money buys more shares than it did last month. Same money. More ownership.

Think of it like a store that puts everything 15% off for three weeks. You don’t stop shopping there. You are glad you are still buying.

$50 a month in VOO, steady, through every drop and rally, for 30 years at 7% average return: $60,996.

The person who paused when it dropped comes out behind. Not because they were wrong about the drop. Because they missed the recovery that came after it.

Market drops are not a reason to stop. They are the reason the long term average works.

What did you do the last time the market dropped?

08/07/2026

She called me on a Tuesday afternoon.

“Angel, my portfolio is down. Should I sell everything?”

I asked her: “Do you need that money this week?”
She said no.
“This month?” No. “This year?” No.
I said: “Then you don’t have a problem. You have a fluctuation. Those are two different things.”

She was quiet. Then: “But what if it keeps going down?”
I told her: the S&P 500 has dropped more than 20% nine times since 1950. Every single time, it recovered and went higher than it was before.

Not because the market is magic. Because the companies inside it, the ones making the phones, the medicine, the food, the software, kept showing up for work.

You are not invested in numbers on a screen. You are invested in companies run by people who show up every day. A drop is not a loss. A sale is a loss. She held. Her portfolio recovered.

This is not a market story. It is a story about what you know in advance versus what you decide in a panic. What you know in advance always wins.

Drop a đź’š if you have ever almost sold. Drop a comment if you held and it paid off.

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