Should You Save for Retirement or Buy a House?

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2 авг 2024

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Комментарии : 429

@shellylofgren 20 дней назад

The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.

@donna_martins 20 дней назад

Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.

@robert-1miller 20 дней назад

Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.

@Trevor_Morrow_LTD 20 дней назад

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

@robert-1miller 20 дней назад

Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

@Trevor_Morrow_LTD 20 дней назад

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

@tatianastarcic 21 день назад

The thought of retirement makes me cry. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.

@Michaelparker12 21 день назад

True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.

@BridgetMiller- 21 день назад

Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio this red season. I’ve made over $250k since then.

@berniceburgos- 21 день назад

Glad to stumble on this commentary, I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?

@BridgetMiller- 21 день назад

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

@AdamGreene222 20 дней назад

I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

@Millerj2450 6 дней назад

Is really important to acquire as much money as you can before retirement, that's why I make it a priority to invest. Right now my portfolio has good companies, however it has been stalling this year. I’ve approximately $700k stagnant in my reserve that needs growth, any suggestions to grow my portfolio will be highly appreciated.

@geraldhoward6351 6 дней назад

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. that's why seeking expert advice is essential.

@ElizabethMoore-k2h 6 дней назад

Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

@Alex_will12 6 дней назад

Please can you leave the info of your investment advisor here? I’m in dire need for one.

@ElizabethMoore-k2h 6 дней назад

‘’Iynne Marie Stella’’ is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment

@williamsscott3303 6 дней назад

Thank you for this amazing tip. I just looked up and wrote her explaining my financial market goals and scheduled a call

@alexsteven.m6414 20 дней назад

It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

@edelineguillet2121 20 дней назад

For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement.

@fresnaygermain8180 20 дней назад

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $875k by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@belobelonce35 20 дней назад

As a new investor it's always great to hear from a person who has gone through all the difficult times and come ahead of it. What are some strategies i can employ to be successful?

@fresnaygermain8180 20 дней назад

Her name is ‘Sharon Marissa Wolfe’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

@yolanderiche7476 20 дней назад

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

@SlowrideHome91 10 дней назад

As a 26 year old married guy who just bought a home for my wife and kids and owes $340,000, that debt is daunting! I cant wait to get where some of you are. I received a $95k insurance payout from a work injury and want to invest it in the stock market. How can I get started?

@PapiChulo-t1s 10 дней назад

Honestly, i would leave that money in an account that yields 5% annually , or if you're willing to take the risk of getting into the stock market i suggest you consult with a trusted fiduciary advisor for directions.

@Olea-i2d 10 дней назад

My dear husband passed away in 2021, and I have around $400K from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just six months, I achieved over 80% capital growth, not including dividends. Highly recommended!

@AGNESCHANG-u9h 10 дней назад

@@Olea-i2d Hello, I'm interested in trying this out. Who is your advisor, and how can I contact them?

@PauleAraiza 10 дней назад

Hello, I'm interested in trying this out. Who is your advisor, and how can I contact them?

@Olea-i2d 10 дней назад

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've working with "Jennifer Leigh Hickman" and highly recommend her. Look her up to see if she meets your criteria.

@matturner8 25 дней назад

A house isn't the best investment, considering the state of the economy right now. After selling my Boca Grande house, I want to put $200K into stocks because they can still increase in value during difficult times. Do you have any great ideas for stocks?

@MarkGrimm8 25 дней назад

The truth is that if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.

@Johnlarry12 25 дней назад

Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.

@emiliabucks33 25 дней назад

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.

@Johnlarry12 25 дней назад

Carol Vivian Constable is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

@emiliabucks33 25 дней назад

I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.

@FrankPatrick-no8zo 10 дней назад

I've been working, saving, and investing for financial freedom and early retirement, but the pandemic's economic downturn has eroded my portfolio. Should I continue contributing to my portfolio in these unstable markets or explore alternative sectors?

@Sampson-jh7yq 10 дней назад

Rebuilding your retirement alone is tough. Even NewRetirement can't match a professional financial advisor's skills and experience. Choose an advisor to help allocate your funds.

@CrystalJoy-32 10 дней назад

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@albacus2400BC 10 дней назад

That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with please?

@CrystalJoy-32 10 дней назад

Amber Michelle Smith has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

@DennisJack-km8ho 10 дней назад

Thank you for sharing, I must say she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

@DonaldMark-ne7se 22 дня назад

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

@JacquelinePerrira 22 дня назад

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

@Jamessmith-12 22 дня назад

That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

@kevinmarten 22 дня назад

Mind if I ask you to recommend this particular coach you using their service?

@Jamessmith-12 22 дня назад

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

@kevinmarten 22 дня назад

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

@maddy-books Месяц назад

George!! I took your advice about student loans a little while ago. I paid off $41,360 in 2 years! Now I’m adding to my emergency fund so I can save for a house after that.

@GeorgeKamel Месяц назад

Way to go!!!

@savanah1407 Месяц назад

That’s Awesome! 🎉

@maddy-books Месяц назад

@@savanah1407 Thank you! I was so excited when I did my last payment in June. Felt like such a weight lifted off my chest

@bradleygraves5915 Месяц назад

@@maddy-books Super. People don't understand how good it is to be debt free. Less stress, more options!

@mr_skerz Месяц назад

Keep going! Paid all 40k of mine (25 years old) off in March & now I’m hyper focused on building my e fund

@tinsleyLuna 20 дней назад

As a soon retiree, keeping my $401k on course after a rocky 2022 is top priority. I have been reading of lnvestors making up to $25Ok R0I in this current crashing market, any recommendations to scale up my R0I before retirement will be highly appreciated

@Cynthia-mm1cv 20 дней назад

it's been a brisk tailwind for lnvestors in US stocks over the decades but it's a delicate season now, hence i advice you the guidance of a financiaI advisor

@VanChuong-on2gh 20 дней назад

Having an lnvestment adviser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know.

@RolandWingo 20 дней назад

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

@VanChuong-on2gh 20 дней назад

I have a female advisor named Lucia Alicia Cruz. I recommend researching her. To be very honest, I'm glad I decided to let someone handle expanding my finances even though I almost didn't think I should.

@RolandWingo 20 дней назад

Thank you for the lead, curiously searched Lucia on the web by her full name and spotted her consulting page, no sweat. Just sent her an email, hoping she gets back to me soon..

@svanhoosen 29 дней назад

We did exactly as you said we shouldn't: We depleted our emergency funds to make the last final payment on our house. We had $4500 left on our mortgage, and just over $4500 in cash. "Let's do it!" It was an amazing feeling to have it paid off, but we paid a price in stress, due to timing... This was January 2020, just as the pandemic hit and nobody knew what would happen. That's a scary time to have no cash. Fortunately it all worked out, and without a mortgage, we built a decent emergency fund again a couple months later. Whew! Keep up the great work on your channel!

@RusuSilva 25 дней назад

My $2m retirement account has gone up only by 2% in the past year due to rebalancing I did out of fear uncertainty and doubt. What are best alternatives to take in other to secure a financially free retirement and achieve ultimate peace? I don’t want to fail after 22 years of working hard.

@RichardMoore-jg5tl 25 дней назад

At a point like this, when the pressure is already on you to retire, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

@RossiPopa 25 дней назад

@FusunTumsavas-cq7tp 25 дней назад

This sounds very incredible. Could you recommend who you work with please

@RossiPopa 25 дней назад

@FusunTumsavas-cq7tp 25 дней назад

Thank you for sharing, I must say she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

@hogue3666 Месяц назад

I went with the house. I had a rate of 3.6% and saved like crazy for 2 years. I paid off my house in 9 years. I'm single and appreciate the security of owning an asset/liability. I don't have an escrow or mortgage and have thousands more to invest every year.

@blanketwodahs6741 Месяц назад

My wife and I save about $35,000 a year in income taxes by funding retirement accounts instead of paying down the mortgage, which only costs a little over $9000 a year. Security: It took only about four years to fund enough in those accounts to pay the mortgage for decades if we had to. If you are single and managed to pay off your house early, I suspect your tax rate might be significantly higher than your interest rate was....

@machinesnmetal 29 дней назад

I'm 44 and Ive been putting my money into investments instead of buying a home (I rent) I've got just shy of 7 figures and live quite comfortably off of the dividends and haven't had to punch a clock in nearly 3 years. This works well for me, I really enjoy enjoying my time to do what I want. Thanks George!!!!!

@alicegomez7232 23 дня назад

Retirement is now more difficult than it was in the past. I've been saving for a long time instead of investing, and right now I only have about $400K. considering all the inflation, i'm thinking of investing in stocks, i dont just have idea on market strategies.

@benjaminsmith3469 23 дня назад

At a point like this, when the pressure is already on you to retire, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

@Emily-le2op 23 дня назад

@billybrannon6394 23 дня назад

Please can you leave the info of your investment advisor here? I'm in dire need for one.

@Emily-le2op 23 дня назад

Monica Shawn Marti has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

@carter3294 23 дня назад

Thank you for sharing, I must say she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

@EstefaniaWalter66 27 дней назад

The rising interest rate can surely control inflation, but won't prevent erosion of the eroding purchasing power of the US dollar. I have learnt my lesson this time. The banks can't be making money off my money, while inflation eats into it. I have set aside 650k to invest in the stock market now, since that keeps up with inflation, but I don't know how to get started.

@fawnriverpuppyservices76 27 дней назад

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

@DonatellaVersace44 27 дней назад

Keeping money in the bank is like paying banks and the Govemment. Here's how it works: The bank gives out your money as loan, and charge interest obviously higher than inflation rate, and then give you, the depositor, interest lower than inflation rate. That means net loss for you. That is why I prefer to invest, and on average, my advisor makes returns that always beats inflation!

@AdeleLaurie1 27 дней назад

To be honest, I've been wary of banks for a while, but I wasn't sure how to speak with an advisor first. Please let me know who your adviser is if it's okay; I need some recommendations.?

@DonatellaVersace44 27 дней назад

Melissa Jean Talingdan a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

@AdeleLaurie1 27 дней назад

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

@NurseRowee Месяц назад

Increase Emergency fund to 6 months if you’re planning to get pregnant. A lot of things can happen during pregnancy and other complications on delivery of the baby. It will give you peace of mind and really focus on the pregnancy journey and other stuff.

@kvgolfa 29 дней назад

I just graduated from school and am single and making $250k. My rent is $1400 but any house in my area I'd want to actually buy is minimum $800k. I would much rather invest my money than buy a house I have no use for at the moment

@jjred233 28 дней назад

Just rent. You would have to look way outside your area for home less than $500k. Dave Ramsey advice is to buy a low price home then move to a more pricey home later. Its not going to fit everybody idea of owning a home.

@crzycolchris 23 дня назад

Wtf you do just graduated from school and making 250k??😂

@kvgolfa 23 дня назад

@@crzycolchris dentist

@LoyaltyNECO Месяц назад

92% of 72 inches is 66 inches……..5’6” …….there people…..that’s how tall George is 😂👍🏼

@1aadam Месяц назад

Errrrr that’s how short George is 🤭

@spcysos Месяц назад

I had to do the math as well. Good job!

@criscristofferson7381 29 дней назад

All the pictures I’ve seen of him with ppl on the debt free stage, I can’t believe he’s 5’6”. I’m betting 5’4”

@user-dq4ri6fi7b 27 дней назад

@@criscristofferson7381 LOL

@KennedyIvy 26 дней назад

Wow. He's super tall

@NewGuy2024 Месяц назад

If you are single and can handle it temporary -- I would recommend just renting out a room with 3-4 others for as long as you can -- then INVEST THE REST!!! -- Owning a house is pretty expensive with phantom cost/tax and maintenance -- and have gotten MORE expensive recently.

@reesercliff Месяц назад

Rent a room with 4 or 5 other people in one room?? That sounds horrible lol that's what illegal immigrants do

@nandojuace 29 дней назад

Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security..

@LolMan-qy9cc 29 дней назад

People dont understand that the prices of things are never going back down. This inflation is deeper than we think. Those buying groceries are well aware that the real inflation is much over 10%. The increments dont match our income, yet certain investors still earn over $365,000 in stocks and assets. Wish I could accomplish that.

@quantarrow 29 дней назад

Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.

@IshrakHossain-rt8is 29 дней назад

Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.

@ysareyes 29 дней назад

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

@whitefearlytales 29 дней назад

I'm surprised that you just mentioned and recommend Mr Brian Nelson. I met him at a conference in 2018 and we have been working together ever since.

@mikaelajimenez6145 Месяц назад

I am so glad you did this episode because we literally discuss this monthly, do we just bulk up our HYSA at 100k and other retirement max outs or buy a house, because houses are insane right now and home ownership cost more than one realizes.

@joe62845 Месяц назад

I have a similar issue. I'd like fix my house, but I'd hate to stop saving. And every time I feel like I'm doing well something breaks and ruins my savings.

@ZenPT Месяц назад

If the house fix is just cosmetic, and you already have a fully funded emergency fund, wait until your investments are at $100k to do them. Because by then, you can afford to just contribute up to your match and your capital will do most of the heavy lifting for you. Now if it’s an urgent matter, that’s what an EF is for.

@bythebook1548 Месяц назад

Recalculated my BS 3b today. With selling my Tacoma, I should be able to buy in about 240 days! Credit will be N/A by then as well. SO EXCITED!!

@RJ9mech Месяц назад

Doing both. Baby step 4 is rocking, and I'm saving for cash property. In my case, I may start with a small mother-in-law house to live in for a few years, then the shop for tractors, tools, equipment, etc., then save to build the real house. "The road less traveled..."

@Youtubehandle579 29 дней назад

most of us can only dream of saving up for the smallest houses on the market...

@Youtubehandle579 29 дней назад

Thanks for this one George, this is the point that always confuses me with the Ramsey babysteps: How it goes from 6 month emergency fund, to save for retirement, then pay off the house early with no mention of saving for the downpayment.

@andyndanaemcburney122 23 дня назад

I think Dave Ramsey must have come up with his baby steps with a specific demographic in mind--middle-income homeowners with credit card debt and not enough retirement savings.

@BroxsonDeighan 22 дня назад

You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller

@ArashHildeman 22 дня назад

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

@pedroAgondel 22 дня назад

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

@user-um8pz5fl5c 22 дня назад

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

@chrisrosario-kb3nw 22 дня назад

I'm new at this, please how can I reach her?

@DavidBishop-y8m 22 дня назад

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

@retnuh1262 Месяц назад

6:55 Well, since you asked how I'm doing, I currently have a 4.5 month emergency fund sitting in a HYSA. Slowly but surely building up that savings to reach 6 months saved.

@EddyMaurice-ks1hd 29 дней назад

*❤️❤️WHAT ARE THE THINGS YOU WISH YOU KNEW EARLIER IN THE TRADING WORLD*

@AldoradoLine-zu8uc 29 дней назад

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@AndrewPaul-yr9zm 29 дней назад

No doubt copy trading is revolutionary. I can now copy trades directly from a hedgefund manager. Literally changed a whole lot and I am glad people with the opportunity are paying attention to it now

@GilbertOnto 29 дней назад

I am really interested in this but which hedgefund manager is best and can help me on this?

@AldoradoLine-zu8uc 29 дней назад

I have tried quite a good number of hedge fund managers but Menon stands out. His approach is unique and he's consistent and always delivers good ROI

@GabrieImacht 29 дней назад

How can I get to the Menon Hedgefund manager???

@RobertBeedle Месяц назад

Don't EVER give up on the employer match.

@pdxmusl1510 Месяц назад

Not entirely true. especially in short durations. It's entirely possible and very likely that paying off debt in a short window would allow you to save more had you payed off instead of invested. You really should calculate this out and make an informed decision.

@Avatar8885 29 дней назад

@@pdxmusl1510almost entirely true. Only reason to not is unless you are in a payday loan situation or are MASSIVELY in debt. Free compound interest for your future is better than paying off a lower interest loan slightly earlier.

@doomy_doomy2225 29 дней назад

I kept mine by hair prior to my layoff in 60 some days. I just hit my 3 year requirement to be vested and almost lost all of it. Got lucky.

@MichaelJones-wj4mo 28 дней назад

@@pdxmusl1510I can’t think of any debt in the world that clocks in at 50% or 100% interest. Which is what it would take for debt to outweigh the gains of an employer match in a 401k. But if you are going to be terrified of your consumer debt just to get that employer’s match, then it could maybe be the best move psychologically. Just not mathematically.

@RobertBeedle 28 дней назад

@@pdxmusl1510 the match is a higher rate of return than any interest on debt.

@AstaKristjan Месяц назад

I most certainly wouldn't advise you just leave your money to lie fallow in the market in the name of saving for retirement. Buy a house, maybe yes. But most importantly consider diversification and give priority to investment

@LivaHolst Месяц назад

Couldn't agree more. AI stocks especially, will dominate 2024. I prefer NVIDIA reason being that they are better placed to maintain long term growth potential, and provide a platform for other AI companies. I know someone who has made more than 700% from NVIDIA n few years.

@Patriciacraig599 Месяц назад

NVIDIA is lit, other AI stocks many people do not know will continue to dominate for at least the next 5 years. I was lucky to have my CFP advise me on this at a very early stage of the market boom. I'm proud to say it's been an amazing journey

@tommychestnut5335 Месяц назад

You're right, I and a few colleagues equally keyed into this early with our salaries. Today our portfolios' worth have accrued 6figure dividends, individually. Super happy I took the advice and equally passed it down to colleagues, when my portfolio manager suggested that.

@Alejandracamacho357 Месяц назад

This is awesome! I know I'm late to the party but better late than never. Please how to start on this journey, and can I be able to seek the assistance of your manager who's got an amazing foresight

@tommychestnut5335 Месяц назад

Sure. Kathleen Cheryl Constantz is a hot topic among the finance elite in America and beyond. All the info you need to set up an appointment is on her web page. Just a search away.

@Avo7bProject 17 дней назад

I lean towards the "buy a house" side of things if prices are sensible and you can get one for around 3x to 4x your salary. Otherwise, keep renting and wait for a more balanced market. When you can buy a house for a good price, you also stand a more realistic chance of paying off the loan ahead of schedule. Once you own your home, that monthly payment is no longer money sucked out of your life, which can be used for other purposes. Moreover, home ownership gives you flexibility in budgeting. You can often put off a repair for several months to a year, and decide when you want to handle it. Better than complaining to a rental management company, and hoping they will get around to it.

@elainebradley8213 Месяц назад

When we retired life became less expensive. But the downsizing did not apply. We were at home more, took up hobbies, some like my husbands carpentry saved money, but we needed at home space.

@katkat5420 29 дней назад

Thank you! I'm a 53 year old renter and have been stalled at baby step 3 because I want to buy a house but can't do it putting 15% towards retirement. I will continue saving for down payment and invest up to the match. Thanks for making it make sense

@NobodySpecial509 29 дней назад

At 53 i’d want to buy ASAP.. it’s a lot of security imo. I’d lower investments and fast forward to buying a house, especially with rental pricing and housing instability currently.

@johnd3557 Месяц назад

I agree paying off debt first the only caveat is if you don't have a 401k instead contribute to a roth IRA since you are capped at a yearly amount with it being tax free on earnings I would still contribute to that and max it out yearly since right now its only 7k a year max.

@anobonano7 Месяц назад

My husband and I are already on babysteps 4 and 6 and have gone through FPU but I just think you’re funny so I watch for the laughs

@katkat5420 29 дней назад

Thanks for clarifying take home pay

@joshjhoward Месяц назад

92% to 6ft tall = 5' - 6 1/4". I did the math

@TheDigger1967 Месяц назад

I calculated 5 ft. 6.24 in.

@polarablues64 Месяц назад

@@TheDigger1967The 0.01" matters!

@stevexspeed7649 29 дней назад

I got 5’ 5”

@BadMannerKorea Месяц назад

5:18 You have roughly 84% odds to live to 60. You can make adjustments based on how you live, but it's not guaranteed you'll make it to 60. That doesn't mean don't save, but you could spend your entire life holding off on buying something until 60 and you never actually make it.

@dynoFF30 Месяц назад

You can’t afford the house if you can’t also afford to save 15% towards retirement. YOLO works both ways. You might be on this earth a very short time, but you might also live to 90. Statistically, it’s about the same chance you die before 60 as it is living to 90 (per actuarial tables), about 15% chance of either scenario occurring

@BadMannerKorea Месяц назад

@@dynoFF30 I think you're a bit confused. The discussion point is about his statement you're going to live to 60 and how that relates to saving for retirement, which I then made the point that one should save for retirement and also enjoy things in the moment. What's a house have to do with it? Why add that you may live until 90, of course that may happen, I never said otherwise lol.

@M_SC Месяц назад

You can’t go by average life expectancy. Average includes a lot of people very different from you. My life expectancy is pretty high, like 92. since my Father died I look at people 45+ and estimate how long they are going to live based on lifestyle. Of course I don’t know their family history. And random disease/accident can happen. But in general you can see the path people are on. it’s disturbing when it’s bad.

@hunnybunny4306 Месяц назад

I’d rather plan for the high chance I live past 60. Surveys clearly show most people over 40 wish they saved more when they were younger and very few wish they saved less. Also, there’s no reason you can’t enjoy life while also saving at least 15% of your income.

@thehomeless_trucker 27 дней назад

@BadMannerKorea A 20 year old has a 90%+ chance of making it to age 60.....

@hockeyhalod Месяц назад

Yes

@TheFirstRealChewy Месяц назад

When you are in your 20s it seems crazy to save and invest money for when you you retire in your 60s. Afterall, the thought is that you might not live to see 60 anyway. The reality is that you don't have to wait until you are in your 60s to retire. So think of it as two goals. There's regular retirement, which is full retirement age in your 60s, and early retirement, which is anytime before that. Save and invest money in the appropriate buckets for both if you can, and if you can't then save and invest money for regular retirement. I'd say that if you can max the contribution limit to retirement accounts for 30+ years you'll be set for regular retirement unless your expenses are high.

@IdkidfcCJ 29 дней назад

Great vid great question!

@BIOHAZARD_V2 29 дней назад

I agree with everything except pausing investing to pay off debt if we’re talking about employer match. 50-100% instant return on investment trumps 30% APR debt any day. I think it’s best to invest the minimum needed to get the employer match for 401k, then everything else towards consumer debt in step 2.

@dkstudioart 29 дней назад

I rent a modest duplex and I retired early so that was the path I chose and am content. Doing the math (cost of buying/owning a home vs probable rent increases over 30 years) and it just makes zero financial sense for me to buy a house, I don't even want one really (I really hate yard work), I just wish I had a garage.

@donnahampton3632 Месяц назад

I choose to have a 3-month emergency fund because I have personal leave at work, so I get paid when I am home recuperating from surgery. If I was receiving a paycheck while I was home recuperating, then I would definitely need a 6-month emergency fund.

@JoeySmith101 Месяц назад

I’m 5’6” too. If George and I get on each other’s shoulders we would be the tallest person ever. Strength in numbers.

@pdxmusl1510 Месяц назад

I was not expecting twirking squirrel. I'm disturbed. 😂😂😂

@tylersanders2388 Месяц назад

The numbers that I personally used are that I have a roughly equal number in my retirement and equity in my house. Also I have a full 6 month emergency fund in a high yield savings connected directly to my checking so I can do an instant transfer if necessary. The reason I’m about 50/50 between retirement and real estate is just because I’m generally very confident in the long term returns in the American housing market.

@thehomeless_trucker 27 дней назад

Personal residence values have only increased an average of 3-5% gross in the long term. Your home isn't making you money unless you're renting it out. Keep your home equity to sub 15% so the majority of your networth is actually working for you at a much higher rate than inflation over time. Your home is more likely to just keep up with average inflation. The wealthy don't keep 50%+ of their wealth tied up in their single personal residence.

@tylersanders2388 27 дней назад

@@thehomeless_trucker you’re doing your math incorrectly. I put 20% down in cash and am making 3-5% on the total leveraged value. Multiply 3-5% by 5 and you have the real number

@thehomeless_trucker 27 дней назад

@@tylersanders2388 I made 26% on my total portfolio last year, which is conpounded... If you didn't buy a home until that 20% down only made up sub 15% of your investments, your home value would never come close to touching your investment portfolio after 30 years. You will never see 10M going your route. Run the numbers over 30 years and watch your investment portfolio swallow your home equity when you put investing first. Again, the wealthy didn't become wealthy by throwing half their money into their single personal residence.

@thehomeless_trucker 27 дней назад

@tylersanders2388 Just ran the numbers.... 80k for your 20% down on a 15yr note with 4% average gross return on total value, and 80k invested at 10% average gross return.... 30 years, your home is valued at 1M with no mortgage... investments at 1.4M... networth of 2.4M. so much for leverage, eh? Now, let's not buy the home until that 80k down is 15% of your investments.... leaving your 533k portfolio at 453k, and grow to 7.9M over 30 years, leaving you a networth of 8.9M.... invest an extra $600/mo for those 30 years, and your networth would cross 10M.

@tylersanders2388 27 дней назад

@@thehomeless_trucker your math is done in a bubble, not taking into account the fact that without buying a home you have the majority of your monthly budget getting thrown away towards rent. Housing is a rapidly increasing monthly cost, and the mortgage fixes that cost over a long period of time while taking advantage of leveraged 4% average annual returns.

@totallifehacker1781 18 дней назад

I loved this so much!

@samratsai7062 29 дней назад

Thank you for sharing such an amazing message 🙏Indeed God’s blessings and manifestation over my family has come to pass. I am so grateful!❤️Awesome God ❤️my family are happy once again and can now afford anything for my family even with my Retirement.$67k weekly returns has been life changing, after so much struggles.

@KuramaUchiha-id1ow 29 дней назад

Hello, how do you achieve such weekly returns? As a single parent i haven’t been able to get my own house due to financial struggles, but my faith in God remains strong.

@samratsai7062 29 дней назад

Maria Angelina Alexander I really appreciate her efforts and transparency.

@samratsai7062 29 дней назад

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

@amalmberg13 29 дней назад

This is a definition of God's unending provisions for his people. God remains faithful to his words. I receive this for my household.🙏

@MarkSarah-qn2oc 29 дней назад

Wow...I know her too she is a licensed broker and a FINRA agent she is popular in US and Canada she is really amazing woman with good skills and experience.

@james9245 Месяц назад

I love the boy meets world reference! Best of luck "plays with" or Mr squirrels

@tbaker1985 29 дней назад

I have a idea I have been toying around with and would like your opinion. I work for a City that pays out a pension when I retire. The plan offers a "buy service credit" option for up to 5 years. Here's how it breaks down. I can buy 5 years starting today for about 160K paid back monthly over 10 years. I am approx 16 years away from retirement based on my figures. The difference for when I retire (between buying service credits and not) is about 1600 a month. Basic math tells me I would spend 1300 a month now for 1600 a month increase in retirement paid out for my lifetime and then at 50% when I die paid to my spouse for her lifetime. For full transparency, both of our homes are not paid off, hers is being rented out. Both will be paid off before we retire as we are making extra payments on each. Should I take the extra 1300 and put that on the house or buy those service credits? The other option I thought of, is using some of my 457 as a down payment on the service credits. Both of us max out our 457 and 403 as well as a ROTH. I know to get rid of debt first, but being that our plan is pay off the houses before we retire anyway, should I take advantage of the service credits while I still can?

@d_all_in 29 дней назад

I would recommend getting your company match, then saving for a house, then investing for retirement based on my personal experience. Match is free money, don't leave it on the table. Getting a house helps you save more for retirement (fixes your housing cost at a lower price than rent), but saving for retirement doesn't help you buy a house.

@LeMErin21 29 дней назад

Plays with squirrels is a Boy Meets World reference!! Come on, George 😂

@MorKing86 Месяц назад

I can relate, but in the opposite way, George. I'm a 6 ft tall woman, and I get stopped in the street all the time with ppl demanding to know how tall I am. 🙄

@Observer100-cn7gv 24 дня назад

Better to be tall than short.

@sonnygsmith3207 Месяц назад

Good sound advice👍

@AndyTargaryen Месяц назад

Home ownership in HCOL is a tough nut to crack. Miami median home price is $580K (aka a shed). Assuming 25% down, 6% rate (low I know), 15-year fixed + tax + insurance = $4,750 monthly PITI * 4 = $19,000/month or $228,000/year net of tax annual salary required! Send help.

@thebestthingthatneverhappe6729 Месяц назад

tell me about it Andy same in hawaii

@Da_manndom 27 дней назад

@@thebestthingthatneverhappe6729just do a 30 year mortgage and make extra payments when you can! I don’t know why they say the 15 year bullshit makes no sense!

@deelehey2827 Месяц назад

RSU in my company can be sold after 3 years.

@ron9665 4 дня назад

9:00 Reminded me that I coached an under 10 girls soccer team about 15 years ago; they were known as The Man Eating Squirrels!

@ThenotsoHopelessWanderers 14 дней назад

As a fellow vertically-challenged individual (5' female), I prefer to call myself 'fun-sized'. I don't know if men can get away with that too, but I highly recommend giving it a try.

@duffman0yeah34 28 дней назад

A little over simplified regarding RSUs, in my opinion. Some companies give them to you at a discount - I worked at a company that would guarantee a price 15% below market. So guaranteed 15% ROI but it was not tax advantaged. Also should not sell immediately. Understand when they vest and when you can pay long term capital gains tax vs short term

@GeorgeKamel 27 дней назад

You’re confusing RSUs and ESPPs. They are very different. What you described is an ESPP.

@NextGenEvs Месяц назад

10% of a portfolio in single stock isn’t a bad idea. Especially when some ESPPs offer -15% off the lowest share price of the money. Has the potential to be a huge wealth builder

@CaptainBenjamins Месяц назад

Depends on the stock, obviously but general random company I would rather sell the stock at vest date and put it in S&P500. Now if it is a great company like Amazon, Microsoft, or Nvidia then I would be fine with having it be 10% of my portfolio

@d_all_in 29 дней назад

I bought about $20k worth of my company stock at a discount over the course of several years. In 2021 the stock ran 20x. I sold almost everything when it hit 10x. Cashed out $200k that I then rediversified into a house and maxed out retirement contributions since then.

@Da_manndom 27 дней назад

The 24 year old should get a Roth IRA or just an individual taxable account I’m 27 and started at 21 I did have an employer match on the 401k but I hated that somebody else was managing it! Now I manage all my accounts myself! They have some good advice for the most part but you should be investing as much as possible as long as you can afford your debt but not if your drowning in it! The market goes up more then not you for sure want to participate as much as you can afford to!

@wayward03 23 дня назад

12:20 Great advice, too bad it's essentially impossible. More than a 50% downpayment for a small home, and that's with a good income.

@forestbaker804 Месяц назад

Depending on the company you are working for, I would *absolutely* wait a year before selling those RSUs so you pay less taxes on that sale!

@misterskippy2u Месяц назад

0:11 The question asks: "George, have you ever thought about opening a towing company?" 🤣🤣 Kamel Towing!!!

@thebestthingthatneverhappe6729 Месяц назад

that's hilarious 😂

@FRISKYBUISNESS 26 дней назад

Ridiculously good episode

@BrianNC81 Месяц назад

We have a 10 year fixed rate mortgage instead of a 15 year to get a little lower rate (payment fits within the 25% guidelines). I know the Ramsey plan recommends 15 years but does doing a 10 yr fixed mortgage go against the plan? I figured it would be a positive getting out of debt quicker. 10 year always pays off within 10 years.

@girtsjermacans9877 26 дней назад

It’s fine. Nothing wrong with it as long as you still invest 15%. The idea is not to lose the benefits of compound interest while also paying off house early for security and reduced amount you pay on interest.

@itchyisvegeta Месяц назад

3:10 - This is a great clip on why a home is not an asset. Thanks for explaining it to those not familiar with Robert Kiayosaki's assets vs liabilities.

@M_SC Месяц назад

You take advice from the criminal? And think he invented anything?

@blanketwodahs6741 Месяц назад

??? an asset is anything that has value. Maybe Robert Kiyosaki should buy a dictionary.

@itchyisvegeta 29 дней назад

@blanketwodahs6741 Clearly it isn't or George wouldn't have made a difference between having net worth and having assets in this video. Assets put money in your pocket. Unless you are renting out that house, it is not an asset.

@thebestthingthatneverhappe6729 29 дней назад

100% an illiquid asset that u can sell and now u have cash a liquid asset

@itchyisvegeta 29 дней назад

@@M_SC How is he a crininal?

@Observer100-cn7gv 24 дня назад

Might as well save for retirement as you are not "buying a house" of you have a mortgage. Who wants to have a house that the bank owns? Spending your life and money paying while falsely believe that you own.

@doomy_doomy2225 29 дней назад

Which SAP 500 do you put money in though? There are different versions

@daniilshmigelskiy7459 Месяц назад

George is 5 foot 6in 😁👍🏻

@hannahhensley8497 Месяц назад

$40k in student loan debt (finishing my masters) and we have savings to wipe almost all of it out, but we have a major life transition in 15 months (husband is leaving the military & moving to family, but has a job secured already). Should we wipe out student loan debt (our only debt) and have 8-10 months to rebuild savings or hold tight to our savings until after the transition?

@user-ep6ux6tl8e Месяц назад

4.7% money market for my Emergency funds

@Joenzinator Месяц назад

At least grab your employer 401(k) match, but preferably 15-20% going to retirement. Anything leftover can go into after-tax investment account or HYSA to save for a house.

@GeorgeKamel Месяц назад

That’s a good strategy!

@miketheyunggod2534 Месяц назад

All a 401K does is keep your money hostage. Set it free.

@blanketwodahs6741 Месяц назад

@@miketheyunggod2534 It does not keep your money hostage. You can pull money out with a 10% penalty, which should be covered by the tax you saved on income going into it. You can also borrow against it for a house down payment, and pay the interest to yourself. You also don't have to invest it in the stock market, most 401k's have a cash equivalent or a money market fund that will earn interest and is very low risk. I have literally done all of this myself and it works just fine. funding a 401k funds your retirement, boosts your savings through tax deferrals, can be an emergency fund and a source of a home down payment, all at the same time.

@Joenzinator 29 дней назад

@@miketheyunggod2534 That’s not all it does. It provides a tax incentive, and your employer will often double your contributions. But it does disincentivize people from touching it early, which is a good thing. People need that money for retirement. Also, I include HSAs as retirement accounts, and those don’t have any kind of early withdrawal penalty. Which is good because I will need access to mine when I retire early.

@colinl2908 9 дней назад

Hey George, we primarily use variable rate home loans here in Australia and ours has a redraw facility. Is it suitable to consider this home loan redraw as the 4-6 month emergency fund if we budget for and put that allocated emergency fund money in the loan, rather than a separate account?

@StephsHealthMatters Месяц назад

A huge tiny favor!

@errole Месяц назад

Plays with squirrels is a Boy Meets World reference aka Eric Matthews

@CarlosSalas1111 Месяц назад

Definitely retirement. The average returns are above the interest rates on the mortgage (right now and for the past decades), and my retirement will grow enough to off my house when I retire, and not have any more mortgage payments, which is the main purpose of paying off the mortgage early. But by adding more the retirement, that snowball will grow much bigger.

@pdxmusl1510 Месяц назад

You actually should do a break even calculation. Pretty much no matter the spread, I can pretty much always give you examples of all 3 outcomes. Loan payoff better. Keep loan better. Or it doesn't matter. My break even point on my house is 20 years. Which is roughly when I plant to retire. So it doesn't matter what i choose. All things being equal, my net worth will be the same at retirement age. I have a 2.865% mortgage rate. So I've chosen to pay it off early. For the piece of mind. Even though mathematically it doesn't matter.

@jordanmcgrory2171 Месяц назад

Where do you keep your emergency fund? All in a cash savings account or mixed with some investment accounts? I feel like that's a lot of capital to have sitting in savings account doing very little.

@blanketwodahs6741 Месяц назад

I'd keep a small fund in cash and dump the rest into a 401k. Six months of expenses means job loss. and in a long term job loss, drawing from a 401k will be the same as after tax money, even with the early withdrawal penalty. 401k -> bypass income taxes -> build wealth / emergency money faster -> if you don't have an emergency, you are still growing your money tax free

@ThatGuysGuitars Месяц назад

Selling your company shares simply because theyre a single stock is pretty asinine. If it’s a newer, possibly more volatile company; sure, maybe. But if it’s a legacy company that’s been around for forever (I dunno, like FORD) - and likely isn’t going anywhere; or you actually pay attention at work, and can see it’s only booming; (at least at the moment) why take the capital gains loss so soon?

@davidfunvideos Месяц назад

I have a question does the 25% mortgage payment include escrow or only Principal and Interest?

@thebestthingthatneverhappe6729 Месяц назад

include escrow and hoa maintenance

@MotorsportsWithMitch Месяц назад

“Who run the world, SQUIRRELS!” That is soooo George’s tune 😂

@topezrosser2759 25 дней назад

The squirrels dancing 😂😂😂

@Youtubehandle579 29 дней назад

Is 40% of a 6 month emergency fund in a conservative ETF crazy? (young, single, seasonal worker). Justification: All of my financial accounts are with the same bank (checking, credit, brokerage, retirement, etc.) Opening a high interest savings account to park that 40% seems like it would reduce online security, and make it harder to keep track of my $. ...alternatively holding all of the over 10k in cash feels wasteful.

@kmchugh8273 14 дней назад

I'm retired with net worth of $1.15m. Do I still need to maintain an emergency fund?

@sally0404 28 дней назад

@GeorgeKamel Do you ever recommend pausing investing to aggressively pay off mortgage once in baby steps 4,5 and 6? I didn’t do the baby steps in order because I was so late being introduced to them so I had been investing 12-15% all along as well as having an emergency fund. I finished baby step 2 in March and step 3 in June. Feeling gazelle intense about paying off the mortgage. Would pausing investing or even decreasing investing down to employer match make sense short term to pay off house?

@GeorgeKamel 28 дней назад

No. Never pause investing to pay down the house faster. Find other ways to trim your budget and expenses, and/or make more money.

@Desiree1565 Месяц назад

lmao at George's picture at age 24.

@rebeltheharem7028 Месяц назад

Man, if I got a lower than 3% mortgage rate, I would never pay it off early, and would just invest the money instead. But I'm financially literate and I have the emotional mindset to be able to handle debt, budget myself, and invest my left over money. But if I had an 8% interest rate, well, I wouldn't be able to afford it anyways, but I would totally pay that off first. Other people aren't like me (in fact, we are the rare ones), so its understandable that for some people, paying off huge debts should come first, before reinvestments.

@pdxmusl1510 Месяц назад

This is actually based off of faulty math. You cannot just compare interest rates like this and have it give you meaningful results. I don't care how wide the spread is. I can give you examples where it is mathematically better to pay off the loan. Mathematically better to keep the loan. Or it's a wash either way. With nearly any two number combinations. Comparing interest like this may come to the correct conclusion. But it's happenstance. Not math. You need a break even calculation. Not a rate comparison.

@katkat5420 29 дней назад

Think how much more money you would have to invest if you did pay off the mortgage? That monthly payment would be freed up for investing

@solomongrundy9735 Месяц назад

For a 24 year old, it's a good thing you can't access your retirement money until you're 65!

@osuk1 Месяц назад

People should be retiring at 50 years old NOT 65 Especially in Bidenomics dumpster fire.💩

@hunnybunny4306 Месяц назад

You can access it. 72t, Roth conversion ladder, rule of 55, and Roth contributions all allow penalty-free early withdrawals from retirement accounts. And the age to withdraw without any of those strategies needed is 59.5, not 65.

@exotic_poiison9070 28 дней назад

I'm 21 years old, and my net worth is $27,326.61 and 0 debt. I am investing 80%-90% of my monthly income in a fidelity brokerage account. VOO (66.34%) for foundation, QQQ (9.55%) for growth, and NVDIA (23.88%) for experimental fun. My question is, why would i lock up my money in a roth ira until i am 65 when i could do the same thing in fidelity and preserve financial flexibility at the cost of some taxes on capital gains? But if i really cared too much about those capital gains taxes, i could utilize an SBLOC to avoid taxes and, due to the risky nature of an SBLOC, hold multiple asset classes to protect against a market downturn.

@Da_manndom 27 дней назад

@@exotic_poiison9070Sounds like me at your age I’m 27 😂 but that’s a great start! It will only keep growing enjoy the journey! And I do recommend most of your portfolio in QQQ and VOO but have some fun like you said but do the research as well before buying individual company’s and these guys have a lot of good advice but I agree having the financial flexibility is way better these guys are giving the traditional work your whole life away as a slave to a 9-5 and contribute to your 401k it works but not if you plan to retire early or even like a barista/coast fire situation don’t think they include People that want to quit there jobs asap!

@aliciaeasterwood Месяц назад

The squirrel dance 🐿️😂

@Ryan.zelenski Месяц назад

5'6.25"

@samvargas2868 Месяц назад

What’s the difference between investing money into my personal Roth IRA where my money is locked up vs longterm investing just regular, like shares in the S&P500?

@blanketwodahs6741 Месяц назад

Taxes. Taxes on the dividends and when you sale. otherwise its the same. Also, your money isn't locked up in an IRA. You can get at if you need to, I have done it several times. It isn't near as bad as it is made out to be. Retirement accounts can give a huge advantage if you use them right, but people are so hung up on interest costs they fail to see all the money going out the window in income taxes.

@MorKing86 Месяц назад

I'm a single woman who lives outside DC, making 80k. I'll save for retirement since that actually seems more feasible than ever buying a house.

@kwabenaamanfoh6675 Месяц назад

I live in Charlotte and a 2400sq 4 room to 3 bath is upwards of high 500k to 600k but I’ve seen places in Texas that same dimension but higher 400k to low 500k. Can anyone explain?

@missgui4400 Месяц назад

Property taxes in TX is high.

@emilyneumann3329 Месяц назад

George! As a millennial you should know that Plays with Squirrels is a reference to Boy Meets World!

@vadtv5437 21 день назад

If I’m investing into a Roth IRA but at age 40 exceed the income limit, what happens to my account?

@randomvideosn0where Месяц назад

Research seems to show a correlation between shorter people and life expectancy...maybe because us tall folk are always hitting our heads?

@joe62845 Месяц назад

the part about pausing your 401k investments to pay off your debts first. Does that mean you for go the price match too? Or should you stick with the matching at least? I feel like you'll lose more money that way no?