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Tim's Timelines | Money Tips

@tims.timelines

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Every money choice has two timelines. ⏳💸
Follow Tim through debt, rent & investing what-ifs
New one every week 👇

POSTS STORIES REELS

Tim lost $1,800 on Black Friday. All he bought was a $40 hoodie. 😬

With debit, the thief takes your money and you chase it. With credit, the thief takes the bank's money and the bank chases it.

Debit or credit online? Tell me 👇

Made-up example. Use credit only if you pay it in full. Not financial advice.
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#creditcard #debitcard #blackfriday #moneymyths #personalfinance #moneytips #timstimelines by @tims.timelines

Waiting 10 years cost Tim $636,000. ⏳
$10 a day from 18 → $1.24M at 65. Same $10 a day from 28 → $604K.

How old were you when you started? 👇

Assumes 7%/yr after inflation. Not guaranteed. Not financial advice.
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#personalfinance #investing #compoundinterest #sp500 #moneytips #timstimelines by @tims.timelines

3 awkward years at home → $1,013,208. 🏠➡️💰
Rent at 22–25: $61,200 gone. Invest it instead: $133K by 35 (house down payment), $1M+ by 65.

Would you do it? Yes or no 👇

Assumes 7%/yr after inflation. Not guaranteed. Not financial advice.
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#personalfinance #investing #compoundinterest #moneytips #financialfreedom #timstimelines by @tims.timelines

Tim said no to a $5,000 raise to "stay in a lower tax bracket." It cost him $4,050 a year. 😬
Brackets work like buckets - only the dollars above the line get the higher rate. His extra tax on the whole raise: $950.

Did you believe this one? 👇

2026 federal brackets, single filer. Federal income tax only. Not tax advice.
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#taxes #taxbrackets #moneymyths #personalfinance #moneytips #timstimelines by @tims.timelines

Tim won $1 billion. He kept $261 million. 🎟️😳
The jackpot is 30 yearly payments added up. Cash today = $450M, then taxes take ~42%.
Take the payments instead → ~$604M… over 29 years.

Cash now or 30 payments? 👇

Based on the Aug 12, 2026 Powerball. Taxes estimated. Not financial advice.
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#lottery #powerball #moneyfacts #personalfinance #moneytips #timstimelines by @tims.timelines

This $5,000 card costs Tim almost $14,000. 😬 Minimum payments only = 19.5 years of debt. Paying $250/month = done in 2.2 years.

Do you pay the minimum or the full balance? 👇

Example: 24% APR, minimum = interest + 1%. Not financial advice.
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#personalfinance #creditcard #creditcarddebt #moneytips #debtfree #timstimelines #money #moneymaker #moneygoals by @tims.timelines