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Microsoft became a trillion dollar company on April 25th, 2019, following in Apple and Amazon’s footsteps after they achieved this height months before.  Microsoft, or Mr. Softy to Wall Street traders, went public in March of 1986 so it took them about 35 years as arguably the greatest company ever to achieve the one trillion dollar level.  MSFT hit the 2 trillion mark on June 24th, 2021, only a month or so more than two years later.  Two things stand out to us, first, the power of compounding explodes as the numbers get ever bigger.  Second, companies are totally world-wide, what with Microsoft having over 1.5 billion people using their windows software.  And yes, a trillion is a million million.

Interest rates are near historic lows. So, try to refinance your mortgage, auto loan, personal loan, or student loan. Lower rates can lead to lower monthly payments and more of your money going toward principle. And with the lower payments, put the difference in payments toward your emergency fund. -Brent Weiss, Co-Founder of Facet Wealth, Baltimore

(thx to Egan and Shandler ‘Vroom! Turbo charged team building’) Synergy is group energy, MULTIPLIED by itself. Note here that it is the function between the numbers- that makes the difference! 3-3 = 0 3/3 = 1 3+3 = 6 3×3 = 9 So is the synergy positive or negative? The lowest output comes from subtraction and division. The highest output comes from addition and multiplication. Isn’t that something? Hmm…

Create a list of money rules, including how you will handle unexpected income. For example, if you receive a bonus or tax refund, where will the money go? I recommend spending 50% and saving 50%. Then, set a time in your calendar to review the rules every six months. -Ramit Sethi, author and founder of Earnable in New York

Pack a lunch for yourself one or two days a week and put at least $5 per meal into your emergency savings. -Andrew Crowell, Vice Chairman of Wealth Management at D.A. Davidson, Los Angeles