The Lucid Investor Newsletter

by Matt Magee at mForce Capital

You might have seen this, but posts like this always catch my attention. Odell Beckham, the football player, is struggling with his finances even after making $100 million. The breakdown below is great.

That $56 million is $11.2 million annually over 5 years.

That is $933,333 monthly, after taxes.

There is not a single person on this email or reading online who cannot make that work.

Athletes and Assets does make a great observation, it's about expectations and lifestyle.

Someone like Odell has two things working against him. He likely has extensive family obligations and lifestyle obligations (houses, cars, staff, vacations, you name it) that eat into that number each month.

The other thing working against him is that he likely spends significant amounts of time around people worth far more than him. This further drives the need to spend on lifestyle needs. It also drives home the feeling that $100 million isn't that much money; you need more. This mindset can be toxic if taken to an extreme.

My observation for all of you, regardless of your income, is that if you feel like you're struggling to get ahead, while still making good money. Take a hard look at all your consumption (especially recurring costs). Eliminate waste where you can. Rinse and repeat every few years or even more frequently. I can almost guarantee there is a huge amount of lifestyle creep that has occurred if you have not done this in a while.

Then turn around and take those savings and invest.

Want to have a conversation about your financial situation? Schedule a meeting here.

I always want this newsletter to be thought-provoking, and I always enjoy brutally honest perspectives. Especially when they go against the highlight reel or common narrative.

Sean is a Real Estate investor I have followed for years. His posts and life looked like a dream a few years back, when multi-family could not lose.

Then you see a post like this, and you realize a number of things. Cash is king, especially if your industry has cycles like RE. Good financial planning and thoughtful leverage are critical.

I will let you take whatever lessons you want from this. I will highlight this one line. Things can change quickly. You can't always control them.

Regardless of your industry, this is a lesson we should all remind ourselves.

I found this chart interesting from Apollo in their newsletter this morning. There are different ways to view this, but my take is simple. Markets have and are changing. How you construct a portfolio matters.

Great Perspective on Life and Marriage

As I near my tenth anniversary next May, this is a topic I find fascinating for those who have made it far in this game. Here is a short excerpt, but the full thread is here. If you're playing this game for the long run, give it a read.

What I've Enjoyed Recently

​The Chair Company, be warned, it's weird. It's hilarious, but don't come after me if you hate it.

I wouldn't be a true Taylor Sheridan fan if I did not mention Landman and Mayor of Kingstown at least once.

​Untherted Soul, a wildly different book than what I normally read, but it provides a great perspective on life.

If you are seriously interested in AI and markets. Google's TPU vs. Nvidia's GPU and where things are going. This podcast and previous episodes with Gavin Baker are a must-listen.

​Is it a bubble? By Howard Marks, a great counterpoint to Gavin's perspective.

See Ya Soon

-Matt Magee

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Copyright (C) 2025 mFORCE Capital All rights reserved.

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Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc,

Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. mFORCE Capital is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

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