Bob Sharpe - SharpeMoney

Bob Sharpe - SharpeMoney SharpeMONEY: Helping Everyday People feel CONFIDENT with Money. Now I help others build financial independence, optional work, and intentional lives.

After losing my father when he was 53, I stopped viewing money, time, and retirement as guaranteed. Sharpen your Financial Well-Being: https://www.youtube.com/c/BobSharpe

09/03/2026

On my last video, people commented that they are focused, disciplined, even obsessed with financial content. Success leaves clues.

09/02/2026

47% of retirees enter retirement with a mortgage. See the first comment for why this is bad:

09/01/2026

If you want to, you can find a million reasons to hate life and be angry at the world.

Or, if you want to, you could find a million reasons to love life and be happy.

Choose wisely.

Have a great rest of your week! You matter.

08/31/2026

We were taught to save for retirement so we can finally enjoy life at 65.
But nobody questioned why we are trading our kids childhood, our health, and our best years, for a number in a bank account we might never get to spend.
And if you opt out, you're "irresponsible."

08/30/2026

Stop believing social media. Only 2 out of 4 people say they can easily cover a $400 surprise bill.

08/29/2026

Stop believing social media. 7 out of 10 people don’t even have $500 saved in an emergency fund.

Oh you know, top 1% just chilling with their $13 MILLION in net worth. But the top 10% net worth may surprise you. Where...
08/21/2026

Oh you know, top 1% just chilling with their $13 MILLION in net worth. But the top 10% net worth may surprise you. Where you do stack up? Details in the first comment.

One of the biggest lessons I’ve learned over the years is that personal finance isn’t just about maximizing returns. It’...
08/20/2026

One of the biggest lessons I’ve learned over the years is that personal finance isn’t just about maximizing returns. It’s about designing a life.
Could I have invested every extra dollar instead of paying off my mortgage? Sure. Over a long enough time horizon, that may have produced a higher expected net worth.
But paying off my home gave me something a spreadsheet couldn’t measure:
Freedom.
It lowered my monthly expenses, reduced my financial stress, and eventually gave me the confidence to walk away from a six-figure corporate career to build my own business.
That’s why I don’t believe there’s one “correct” answer for everyone.
If your goal is to maximize every expected dollar, investing instead may win.
If your goal is to maximize freedom, reducing fixed expenses can be the better choice.
Different goals. Different strategies. Both can be right.
The key is making sure your financial decisions support the life you actually want—not the one someone else thinks you should live.
What do you value more right now: maximizing wealth or maximizing freedom?

Imagine you have a $200,000 investment portfolio and consistently invest another $200 every month.The year is 1929.Four ...
08/20/2026

Imagine you have a $200,000 investment portfolio and consistently invest another $200 every month.

The year is 1929.

Four brutal years later, you look at your account and see:

$77,492.

😳

You’ve continued investing the entire time…and you’re still down more than 60% from where you started.

The real question isn’t whether you know you’re supposed to stay invested.

Could you actually stomach seeing this and keep buying?

Thankfully, we never want to experience anything resembling the Great Depression again. But I think there’s tremendous value in stress-testing your portfolio against what has actually happened in market history.

Not just looking at percentages.

Actually seeing the dollars.

Because “the market fell 40%” feels a whole lot different than watching your $200,000 become $77,492.

You can test your own numbers here:
https://sharpemoney.gumroad.com/l/rjqkj

If 89.93% of funds UNDERPERFORM the S&P 500? Why are we wasting time buying index funds & ETFs that are actively managed...
08/20/2026

If 89.93% of funds UNDERPERFORM the S&P 500? Why are we wasting time buying index funds & ETFs that are actively managed and cost us more in fees than a simple S&P 500 fund (VOO, SPY, etc)? Data is important, as it can make your investing life more simple.

*Not financial advice, do your own research. Source: SPIVA SPglobal.com

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