The Lone Star Perspective by Matt Magee at mForce Capital Executive Summary: Navigating the "Upper-Middle Class" Migration What is the "Great Migration" of the middle class? The American economic landscape is shifting as a record 31% of households now qualify as "upper-middle class" (earning $133k–$400k), a three-fold increase since 1979. This demographic shift, highlighted by the Wall Street Journal, shows that while more families are achieving high-net-worth status, financial anxiety...
28 days ago • 4 min read
The Lone Star Perspective by Matt Magee at mForce Capital This post went viral and looks great on paper. One, I believe these are almost always made up. Two, his math doesn't add up. He is spending $35 million, but the "guy" receives $34 million. Here is my actual analysis and why Social Media is often a terrible place for financial advice. Putting $25 million into VOO and QQQ is a terrible idea. These funds overlap significantly and give you no real diversification. I get the idea, but wrong...
about 1 month ago • 2 min read
The Lone Star Perspective by Matt Magee at mForce Capital Special thanks to long-time readers Scott and Bobby for the conversation that inspired this piece on Trump Accounts. I hope you find this helpful; please reach out with any questions. I saw this LinkedIn post recently, and it made me stop. If you find yourself in this income range or even higher, and don't feel like you're getting ahead. Please give me a call. I can help. Yes, your taxes are high. Yes budgetting is still important....
about 2 months ago • 1 min read
The Lone Star Perspective by Matt Magee at mForce Capital If you want to see a world-class logic error, look at how the most successful people in America handle their kids. These are people who built empires by delegating, mentoring, and allowing their VPs to make expensive mistakes. Yet, when it comes to their own families, they try to do something even more impossible: They try to run the family from the grave. They hire lawyers to build "Dead Hand Control." It’s a 100-page legal document,...
2 months ago • 2 min read
The Lone Star Perspective by Matt Magee at mForce Capital I have the pleasure of working with a diverse client base. Some are business owners or corporate executives clearing over $1 million annually. On paper, they've won. It's usually around the time they retire or sell a business. Something along these lines is said. "I have everything I thought I wanted. So why do I still feel like this?" Here's what I've learned: Your biggest financial obstacle isn't in your portfolio. It's in your head....
3 months ago • 3 min read
The Lone Star Perspective by Matt Magee at mForce Capital Treasury 101: Why the “Plumbing” of Global Finance is Changing We often talk about the U.S. Treasury market as the "bedrock" of the financial world. It is the gold standard for safety. But even a bedrock can shift. Recent data from Apollo Global Management highlights some massive changes in how the U.S. government borrows money and, more importantly, who is lending it to them. Here is a breakdown of what’s happening in "plain English"...
3 months ago • 4 min read
The Lone Star Perspective by Matt Magee at mForce Capital The Van-Dweller’s Edge Amity Warme is one of the most accomplished big-wall climbers in the world. She lives in a van. Tacked to the wall of that van is a scrap of paper with five words that carry more weight than any financial plan: “Do my choices support my goals?” It’s a deceptively simple question. It’s also the one most people, myself included, fail to answer honestly every single day. In the world of finance, we love to bury the...
4 months ago • 2 min read
The Lone Star Perspective by Matt Magee at mForce Capital Starting the year with a positive story. If you are anything like me, you see business headlines all day, and they never strike a chord. Similar to OpenAI raising another mega round from investors, or Vista Bank being sold for around $370 million. It's often like Wow, those numbers are huge and life-changing for a few people. But the story of Fibrebond provides a different blueprint. The founder shared 17% of the sale proceeds with the...
4 months ago • 2 min read
The Lucid Investor Newsletter by Matt Magee at mForce Capital 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...
5 months ago • 2 min read