Marvin Bontrager, Ph.D. @mbontrager5 Twitter profile

Last Seen Profiles

@stw_pdg

@claoyepes

@suwacocoro

@Durden_live

@nabihsaaty

@8thproject1

@ScfcSeb

@SultaanMal20551

@sindicoagg

@creamtopmilk

@TrojanSeijo

@PulsechainCom

@HistoryLies1984

@classic_film

@barakuma90

@coco_mirumiru

@_bossmanville

@sagrassick

@littlesulaala

@djsnake

@FHASSNI

@DonnyNapkins

@Montreal

@SigmaEleMent

@itsjaelamonaee

@GabeLight

@viigals

@albo75

@PeggingAllTime

@frequentsearchs

@odecomuna

@CRMSanMartinTex

@Om_goddess_hw

@MsEricaDixon

@LewisPorkiliton

@nctzenhalu

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

From the Ramsey Show (November 2, 2023): This disturbing video rant from Dave Ramsey demonstrates an ongoing ignorance of safe withdrawal rates and sequence of returns risk, plus a combative insistence on using 12% average linear returns assumptions over decades. Dave publicly

379

127

1K

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

The guy has 1.5 million followers on TikTok. This is what it looks like giving financial advice with no accountability or fiduciary requirements, versus what actual financial advisors are subject to.

109

82

1K

Marvin Bontrager, Ph.D.

@mbontrager5

29 days

Why invest in index funds at all when you can just pick the top individual stocks?

126

16

449

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@danielcrosby Coke Zero is what you need.

17

1

289

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

If TikTok didn’t exist, nobody would know about these secrets of the wealthy.

29

15

294

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Make it stop. Please.

45

8

274

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

Wow. In 24 hours, this tweet video got 2.3 million impression views and has been trending all day. The snowball method really works.

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

From the Ramsey Show (November 2, 2023): This disturbing video rant from Dave Ramsey demonstrates an ongoing ignorance of safe withdrawal rates and sequence of returns risk, plus a combative insistence on using 12% average linear returns assumptions over decades. Dave publicly

379

127

1K

15

4

222

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

Supernerds Unite Against Dave Ramsey’s 8% Safe Withdrawal Rate Guidance by @davidmblanchett @WadePfau @FinkeonFinance

Supernerds Unite Against Dave Ramsey’s 8% Safe Withdrawal Rate Guidance | ThinkAdvisor

Ramsey blasted retirement researchers as goobers living in their moms' basements, but his spending advice is dangerous.

www.thinkadvisor.com

7

13

189

Marvin Bontrager, Ph.D.

@mbontrager5

29 days

@MarkTeerlinck selling courses probably accounts for 4.6mm

4

1

161

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

The IUL is a complex permanent life insurance product causing a widespread epidemic of financial misinformation, promulgated by novices whose knowledge of financial planning concepts is as limited as their ability to act as a fiduciary.

16

13

138

Marvin Bontrager, Ph.D.

@mbontrager5

7 months

Guru declares he will live to be 144 years old.

64

9

121

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

@Murph_Cap It's his daughter

6

0

121

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Been seeing permanent life insurance reps use statistic that 99% of term policies never pay out. Exactly, that’s the point.

17

4

115

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

It's trending, ya'll

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

From the Ramsey Show (November 2, 2023): This disturbing video rant from Dave Ramsey demonstrates an ongoing ignorance of safe withdrawal rates and sequence of returns risk, plus a combative insistence on using 12% average linear returns assumptions over decades. Dave publicly

379

127

1K

13

2

113

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@moneyeducator There is an epidemic of these types on TikTok. Their reach is getting massive because there are apparently no consequences or accountability for financial product sales. All kinds of ludicrous claims are made there.

5

2

95

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

If you use fear of stock market volatility as primary sales tactic to push young investors into permanent life insurance products instead of investing in equities, do not call yourself a financial advisor or professional. You are neither.

7

5

100

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

$10,000 (5%) monthly returns. Forex trading is really that easy. @TikTokInvestors

5

1

91

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

No, the wealthy aren't hiding their "secrets" from you. And no, they didn't become rich BECAUSE OF permanent life insurance (PLI). That's just one of the industry's sales schticks that's used to take advantage of the general lack of financial education in society.

11

93

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Getting an insurance license does not make someone a financial advisor.

13

6

91

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

If someone does a “portfolio review” for you, then tells you that you need to completely replace it with an annuity or permanent life insurance contract, RUN 🚩🚩🚩🚩

9

8

92

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Anyone who broadly dismisses the 401k or calls it a scam is almost assuredly trying to sell you some hybrid version of a permanent life insurance product.

7

5

93

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Say what you want about Twitter, but it has become increasingly clear that the #fintwit corner is filled with many great people who do a fantastic job of promoting financial education and are passionate about helping people achieve their financial goals. I salute you all.

3

2

89

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

T-Pain takes on MPI. 👏👏 @TPAIN @NerdWallet #tiktokfinance

9

8

89

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

MPlie Guy warning everyone about the dangers of taking the free employer 401k match. #tiktokfinance

28

1

81

Marvin Bontrager, Ph.D.

@mbontrager5

29 days

@Luke_Swanson_ that's after you become diamond master

1

0

82

Marvin Bontrager, Ph.D.

@mbontrager5

2 months

Which one? A B C D

165

3

81

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

When you hear a financial guru start out with the phrase "I recommend an approach that none of the traditional financial advisors will talk to you about," There's a 99% chance you're going to be pitched a really bad expensive product. Oh, and you should just promptly walk away.

7

73

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

“I provide more financial knowledge than any other human alive…” -Curtis Ray

24

2

70

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

If your "financial person" is pushing you to buy whole life insurance as a means to "diversify your portfolio," You don't have a financial advisor, you have a sales rep.

4

9

70

Marvin Bontrager, Ph.D.

@mbontrager5

2 months

Putting this @TPAIN MPI beat on repeat. @NerdWallet

9

15

65

Marvin Bontrager, Ph.D.

@mbontrager5

4 months

When the fake guru on TikTok starts out with “Here’s a tax loophole even your CPA doesn’t know about…”

8

3

61

Marvin Bontrager, Ph.D.

@mbontrager5

7 months

It’s starting to sound unhinged at this point

29

2

59

Marvin Bontrager, Ph.D.

@mbontrager5

10 months

TikTok providing the solid financial advice as always.

41

7

61

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

After much consideration, I have sold my entire portfolio and am now 100% in a properly structured, max-funded Indexed Universal Life policy.

20

0

58

Marvin Bontrager, Ph.D.

@mbontrager5

5 months

Okay #taxtwitter , what say you?

53

7

59

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Whenever the pitch starts with “secrets of the rich they don’t want you to know,” that’s code for someone whose depth of financial knowledge is likely limited to the permanent life insurance sales scripts they memorized after newly acquiring an insurance license.

3

7

56

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

If you encounter a financial person who leads with “Are you tired of losing money in your 401k?”

5

4

53

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Heard again today that term life ins. only pays out ~1% of the time. Yes, AND?!? That’s the problem of viewing ins. as an investment instead of risk transfer. You don’t hear the same people complaining that their auto or health insurance % claim frequencies aren’t higher.

12

3

54

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Financial advisors who market themselves as having magical fund-picking prowess will find themselves losing clients to advisors who lead with education & understand the importance of coaching in the behavioral areas of finance.

4

52

Marvin Bontrager, Ph.D.

@mbontrager5

5 months

Red flags in finance: 🚩 Properly structured 🚩 Secrets of the wealthy 🚩 Safe money 🚩 Secure compound interest 🚩 No risk of loss 🚩 Uninterrupted compound interest 🚩 Rich man’s Roth 🚩 Taxes on seed or the harvest 🚩 Being your own bank

7

8

51

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Any finfluencer who says the 401k is a scam can be summarily disregarded as having zero credibility. And there's a 100% chance they are selling some form of permanent life insurance.

3

50

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Complex expensive financial products like MPI & IULs are never bought, they're sold.

5

1

51

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

For anyone who was shocked by the Dave Ramsey video, he has always responded this way to criticism of his investment advice. I remember this phone call a decade ago Ramsey had with Brian. Brian handled the personal insults, threats, and aggressive behavior very graciously.

Ovi Tisler

@otisler

6 months

@Brian_Stoffel_ @TheSmattering @mbontrager5 Hey @Brian_Stoffel_ - found the interview and re-uploaded it here for you

2

1

28

7

2

51

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

For young investors in their accumulation phase, using life insurance contracts as an investment vehicle is like using a motor home as a commuter vehicle.

3

5

50

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

If someone recommends one type of financial product for everyone in any situation, they have an inherent conflict of interest & cannot be a fiduciary. They’re not in finance, they’re in sales.

5

50

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Nope. #tiktokfinance

19

1

46

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

This is why properly explaining "the 4% rule" should be left to financial professionals.

MPI® Unlimited

@MPIUnlimited

1 year

Why ROTH IRA's are NOT a Good Retirement Plan. Text MPI to the number 30500 to learn more! #PassiveIncome #Income #SideHustle #Compounding #CompoundInterest #wealth #hope #money #TaxFree #RetirementPlan #RetirementPlanning #FinancialPlanning #CompoundInterest #now

15

0

2

18

1

48

Marvin Bontrager, Ph.D.

@mbontrager5

5 months

real. estate. is. not. passive. income.

10

1

47

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

"This should be illegal. You're going to jail, dude." Curtis Ray | MPI vs Whole Life| REACTION By LIFE180 & GarrettGundersonTV

Curtis Ray | MPI vs Whole Life| REACTION By @LIFE180 & @GarrettGund...

@GarrettGundersonTV had never heard of Curtis Ray or Maximum Premium Indexing until some people in his community asked him to do a review to get his opinion....

www.youtube.com

13

7

41

Marvin Bontrager, Ph.D.

@mbontrager5

29 days

@cliffcornell_ you index guru, you

1

0

46

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

The 4% Rule explained-incorrectly.

14

3

44

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

MPI Guy mocks fiduciaries, CFPs, & financial advisors. #tiktokfinance 🤡

21

2

45

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@philbak1 It's even more depressing when you read the comments under those videos from people who are trying to learn financial information & that's where they land.

2

0

40

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Roth IRAs are super amateur hour? #tiktokfinance

30

2

43

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Thank you, TikTok scamfluencers. IT'S ABOUT TIME. @massmutual issues memo to agents against "using strategies that position WL insurance as a personal banking or similar concept is inconsistent with..." Mass Mutual Turns Against Infinite Banking Concept

Mass Mutual Turns Against The Infinite Banking Concept

Mass Mutual has sent a memo to all of its agent that it will no longer be allowing the promotion of "Banking Style Policies" moving forward. Although I have...

www.youtube.com

2

7

42

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

Anyone who says the 401k is a scam can be summarily disregarded as having no credibility.

Max Pashman CFP® 🌱

@maxpashman

6 months

I don't argue that much in the comments. But when I see an insurance agent / advisor bashing a 401k online, I'll be right there. So much negativity towards it online and not nearly enough people highlighting the pros.

9

0

38

3

2

41

Marvin Bontrager, Ph.D.

@mbontrager5

4 months

Athletes are not allowed to bet on games they have the ability to influence, yet those in Congress are allowed to make stock trades in companies over which they have influence.

5

4

39

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Just because a millionaire buys whole life insurance, doesn't mean they got wealthy because of whole life insurance. Big difference.

5

1

40

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

After another record year for IUL sales, it's understandable why there is no motivation for oversight of an industry that has become plagued by an epidemic of sales agents who don't understand product complexities providing financial advice under the guise of creative marketing.

6

1

39

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

While it might be good clickbait, please kindly stop using phrase “the rich don’t want you to know.” They don’t care what you do. They’re not hiding wealth secrets from you. It’s a personal finance term that needs to go away. Good article by @StojBoj :

Ty | Other Kinds of Money

@OtherKindsMoney

1 year

7 money rules the rich don't want you to know:

14

10

54

2

1

39

Marvin Bontrager, Ph.D.

@mbontrager5

8 months

Scammers call traditional investment accounts scams because they need the scam they’re selling not to sound like a scam.

1

10

36

Marvin Bontrager, Ph.D.

@mbontrager5

5 months

This is awesome 😂😂😂

2

37

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

An IUL sales pitch demo that puts the financial malpractice on full display.

29

1

37

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Learn how term life insurance is designed to pay the insurance company twice. ⚠️ Side effects from listening to MPI sales pitches may include headaches, eye roll pain, muscle cringes, gagging, and mental fatigue. #tiktokfinance

19

0

36

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Devastated

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

🙄

5

0

8

9

0

35

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@TikTokInvestors

2

1

35

Marvin Bontrager, Ph.D.

@mbontrager5

4 months

“When one door closes, another door opens.” ~ Boeing

5

6

34

Marvin Bontrager, Ph.D.

@mbontrager5

2 months

Wearing this T-shirt to Costco today

5

0

34

Marvin Bontrager, Ph.D.

@mbontrager5

4 months

“Unrealized gains are the largest source of income…”

Americans For Tax Fairness

@4TaxFairness

4 months

BREAKING: Billionaires and centimillionaires held $8.5 TRILLION in untaxed, unrealized capital gains in 2022. Unrealized gains are the largest source of income for the ultra-rich—but they're completely UNTAXED under our tax code. This is why we need a billionaire income tax 🧵

3K

1K

4K

7

2

33

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Credentialed financial advisors could run afoul of regulators if they sneeze sideways, yet this kind of financial advice thrives on TikTok with no repercussions because sales.

8

1

32

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

PSA: Be sure to back up your Zoom meeting recordings. While we were all made aware last week of the lone case of a failed cloud redundancy in the entire world, you still can’t be too careful.

6

1

34

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@Budgetdog_ 👇 @RationalRemind @atomicplanning @MeasureTwiceMNY @SavvyInvestorPM @Robert_A_Berger @RiskParityRadio @DefineFinancial @teachretirerich @meridianwealth @moneyguyshow And bonus mention @perfinclub if he would just start one already.

4

1

33

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

I don't like to brag about expensive places I've been, but this week I went to the grocery store.

2

4

33

Marvin Bontrager, Ph.D.

@mbontrager5

2 months

Uh oh, now @honest_math is going to have to rebrand to dishonest_math

12

1

32

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Okay, hear me out. Maybe the Chinese balloon was over Arizona during the Zoom meeting and interfered with the audio file recording. That’s just as believable an explanation for what happened, right?!?

2

0

33

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

It would be interesting if the same people selling financial products with guarantees of no risk of loss would also be held liable for implied performance guarantees made to consumers via illustrations and financial calculator projections.

4

32

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

@robertsofia Here are a few: @TKopelman @atomicplanning @MeasureTwiceMNY @gostr84ward @tobecb @olsonplanner @benjaminwfelix @CameronPassmore @RandallTBruns @SeanMoneyandTax @CPAPlanner @Budgetdog_ @jromeroCFP @Broc_Buckles @TheWallStJunky @shane_sideris @Rick_Ferri @moneyguyshow

10

1

31

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

MPI mechanics explained. #tiktokfinance

21

0

32

Marvin Bontrager, Ph.D.

@mbontrager5

5 years

FAQ: How to Build a Recession-Proof Portfolio via @ReformedBroker @awealthofcs

FAQ: How to Build a Recession-Proof Portfolio

When investors here the term "recession", one of the first things they think about is what the impact on their own personal portfolios might be. If they've l...

www.youtube.com

0

3

30

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

401k vs. MPI 4% rule vs. 15% rule #tiktokfinance

23

0

29

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

So this is a photo I took of an actual birthday card I received. 😐

8

0

30

Marvin Bontrager, Ph.D.

@mbontrager5

5 months

Nope

11

0

29

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

It’s amusing when people dunk on 401ks by saying the match gets written off by the employer on their taxes. So what? The employee’s salary does too.

2

3

29

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Sigh.

Alan Corey | Real Estate Maximalist

@RealEstateMaxi

1 year

Once you start investing in real estate you realize how you've been duped by 401ks.

53

36

403

7

1

29

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

The potential impending crash of the Central Bank & life insurance safety. #tiktokfinance

39

4

29

Marvin Bontrager, Ph.D.

@mbontrager5

7 months

Move over, CPAs. TikTok Taxfluencers will take it from here.

10

0

29

Marvin Bontrager, Ph.D.

@mbontrager5

11 days

Just because a wealthy person buys a financial product doesn’t mean they became wealthy because of it. Yet this is a sales pitch method used by financial novices who don’t understand the difference between correlation and causation.

4

29

Marvin Bontrager, Ph.D.

@mbontrager5

6 months

A good reminder that personal finance does not consist solely of academic discussions and technical analysis. It's also about behavioral decisions and mindset that affect everyday life decisions which impact the future.

George Kamel

@GeorgeKamel

6 months

Steven won $1,000,000 from a scratch off ticket and lost it all in 8 years.

10

5

63

5

3

29

Marvin Bontrager, Ph.D.

@mbontrager5

7 months

It’s generally not a good idea to make how-to tax fraud videos.

8

1

29

Marvin Bontrager, Ph.D.

@mbontrager5

1 year

Well, no one saw that coming. 🙄 The audio capabilities of MPI were clearly over-leveraged.

Michael H. Baker

@MichaelHBaker

1 year

🚨 PSA: Curtis has informed me that the audio from our zoom this week was corrupted. Thus, he doesn't feel the file is usable. This means no recording. . @CurtisNRay I think the only fair thing to do is have a Round 2. . What does #Fintwit want to do?

41

0

35

1

0

29

Marvin Bontrager, Ph.D.

@mbontrager5

8 months

IRS, meet infinite banking guru. Everyone, don’t try this at home. #TaxTwitter

12

2

28

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

Calling yourself a financial professional after getting a life insurance license is like calling yourself a mechanic after getting a driver’s license.

3

2

28

Marvin Bontrager, Ph.D.

@mbontrager5

2 years

The primary goal of saving is to protect the principal. The primary goal of investing is to grow the principal.

3

4

29

Marvin Bontrager, Ph.D.

@mbontrager5