The Lucid Investor Newsletter

by Matt Magee at mForce Capital

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The AJ Brown Counterexample: Complete Financial Control

Recently, we analyzed the financial trajectory of Odell Beckham Jr. and the challenges that often accompany high-profile wealth. This week, we look at the other side of the coin: AJ Brown.

Despite securing a contract valued at over $100 million, the star wide receiver operates with a level of fiscal restraint rarely seen in professional sports. He famously lives well below his means, a choice that stands in stark contrast to the "lifestyle creep" that often consumes high earners.

When researching his portfolio, you won’t find a trail of flashy headlines or speculative ventures. Information regarding his specific investments is scarce, which is, in itself, a strategic signal. It suggests a preference for privacy and long-term stability over public validation.

While Brown could easily afford any vehicle or luxury asset on the market, his restraint signals something deeper: control.

For the business owner or high-income professional, this is the ultimate goal. His approach demonstrates a sophisticated understanding of how financial boundaries safeguard mental health and ensure that his wealth serves his life’s purpose, rather than his life serving the maintenance of his wealth.

The Strategy of the Diligent Accumulator

This AJ Brown philosophy leads naturally into the following data from Apollo. While I am not concerned about the sophisticated savers in this room, the chart underscores a systemic issue in the American retirement landscape.

While maxing out a 401(k) is not a catch-all guarantee of retirement success, it remains one of the most effective tools for systematic wealth creation. I have seen countless professionals leverage these vehicles with discipline over several decades, ultimately transitioning into retirement with multi-million dollar portfolios across IRAs and Roth accounts.

For these individuals, the 401(k) wasn't the entire strategy, but it provided the foundational "engine" that funded their ultimate financial independence.

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You likely have read about Trump Accounts for Kids, especially if you had a child in 2025. If this is you, or you want to understand it better.

Here is a great breakdown of almost everything you need to know.

​YouTube Show is Back​

Ending on a Lighter Note

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What I've Enjoyed Recently

In the trenches with a toddler or kid who is revolting against your parenting? This video hit me hard and provides a different perspective.

​10 Years of Acquired. Great episode if you love the show. If you're looking for perspective on the marginal impact of the additional dollar, listen at 1:30 hours in. They give some great examples.

The Quest of the Simple Life by Morgan Housel.

​The Art of Living Well offers a great perspective from someone living it out daily.

It's not very often you get to enjoy an interview with your favorite podcast host, Patrick O'Shaughnessy, on the other side of the mic.

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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