The Blueprint For Financial Wellbeing
The average person needs only 4 accounts to manage their money
Expense Account
Expense Account
This account holds 2-3 months worth of expenses
Paychecks come into this account
Money is spent out of this account using debit/credit cards
Retirement Fund
Retirement Fund
- This account should be a Roth IRA
- This account has a deposit limit set by the government
- Put all excess cash into this account until it is full and the annual deposit limit is reached
Emergency Fund
Emergency Fund
- This account is only used for large, unexpected expenses
- This account must have at least 3 months worth of expenses but never more than 6
- This account is not connected to any debit cards or credit cards
Investment Fund
Investment Fund
- Most people call this their "Life Savings"
- This account is for all excess cash after the annual Roth IRA deposit limit has been reached
- Usually a brokerage account that holds stocks & ETFs, can include crypto, real estate, art, etc.
ABOUT
LT Investing is about helping people achieve long term financial prosperity through generic financial advice. Investing long term is the best way to achieve lasting financial success and wellbeing.
Ryan Himes is a M&A Specialist with experience at JP Morgan and in Venture Capital. He’s an experienced investor with expertise in valuation and macroeconomic trends.

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