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Jose Hernandez

Jose Rafael Hernandez is known as "The Millennial Money Mentor" on social media. He and his family are immigrants to the United States from Venezuela. The unique challenges that he faced at a young age taught him the real value of money and its importance in life. Jose studied finance at Mercer University, where he also competed in Division 1 Baseball. After his athletic career, Jose began his professional career in the finance industry. He started his career as a wealth management advisor for one of the top Investment Advisory firms in the US, where he was responsible for just north of $20mm in AUM. Jose currently holds the Series 7 and 66 licenses. Jose decided to leave the firm so he could have the freedom to create his brand on social media, geared towards educating millennials in the areas of personal finance and investing. His mission is to leave a positive impact on others while building his own legacy and providing for his family.
48 Posts

Authors Articles

5 Steps to Start and Grow Your Emergency Fund

Many people live without the security of an emergency fund to help them through sudden expenses. Due to this, many people end...

Understanding the Debt to Equity Ratio

The debt-to-equity ratio is an essential metric to understand for anyone looking to invest in the stock market. This is especially true...

Tax Deductions for Business Owners

For business owners, it's always wise to keep up with the expenses you intend to use as tax deductions. After all, you...

A Guide to Hands-Off Investing

Investing: you hear about it everywhere. You probably feel you should be doing it, even if you don't have a lot to...

What is a Liquidity Ratio? Formula and Definition

In finance, liquidity typically refers to the ease and speed at which a company can convert assets to cash to meet financial...

How Does Term Life Insurance Work?

Life insurance can play a major role in a household’s comprehensive financial strategy. Unfortunately, it is not well understood by most Americans....

Investment Income Taxes: On Portfolio Taxation

As an investor, one of your major responsibilities is understanding the implications that taxes can have on your overall financial plan, portfolio...

Can I Take Loans From My 401k?

Employer-sponsored retirement plans tend to hold the majority of the average American household’s investment assets. While these types of accounts are designed...

What is a Yield Curve, and Why is it Important?

While the economy and stock market are not necessarily the same thing, they tend to play off each other. Having a strong...

Essentials

Gatsby Review: An App for Options

The number of personal finance apps and tools on the market has exploded in recent years. While...

How to Make Money on TikTok

As TikTok spreads across the world, people start to ask, “How can I make money on TikTok?”...

How to Make Money Without a Job

Have you ever wondered if you could make money without a “real” Monday-Friday, 9-5 job? Even though...

Betterment Review: The Original Robo-Advisor

Over the past few decades, there has been a surge in the number of personal finance tools...

M1 Finance Review: A Great Tool for Beginners

The number of personal finance tools on the market has exploded in recent years. Overall, this has...