Ramsey Everyday Millionaires
Ramsey Everyday Millionaires
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Should I Invest in an IRA or Save for a House?
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Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!

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Переглядів: 1 453

Відео

Was I Wrong To Pay Off My Home?
Переглядів 2,1 тис.9 годин тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/lb4ma0) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/ksjwfb) to connect with a SmartVestor Pro. 🏠To learn more abo...
What Account Should I Open for My Newborn?
Переглядів 1,7 тис.14 годин тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/lb4ma0) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/ksjwfb) to connect with a SmartVestor Pro. 🏠To learn more abo...
Should I Roll My 401(k) Over to an IRA?
Переглядів 1,9 тис.19 годин тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/lb4ma0) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/ksjwfb) to connect with a SmartVestor Pro. 🏠To learn more abo...
How Much Should I Be Investing?
Переглядів 2,6 тис.День тому
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What Should I Do After Maxing Out My Roth IRA?
Переглядів 2,2 тис.День тому
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What’s the Best Way To Invest in Real Estate?
Переглядів 1,9 тис.14 днів тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/lxxgl8) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/6z93s5) to connect with a SmartVestor Pro. 🏠To learn more abo...
When It Comes to Investing, Keep It Simple (Stupid)
Переглядів 2,6 тис.14 днів тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/3zlnav) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (www.ramseysolutions.com/retirement/smartvestor?) to connect with a S...
Is Giving Excessively the Same As Overspending?
Переглядів 1,4 тис.14 днів тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/3zlnav) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/m2c7vu) to connect with a SmartVestor Pro. 🏠To learn more abo...
Why the F.I.R.E. Movement Isn’t Sustainable
Переглядів 3,4 тис.21 день тому
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Whole Life Insurance Explained
Переглядів 1,4 тис.21 день тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/rlt62s) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/yxa910) to connect with a SmartVestor Pro. 🏠To learn more abo...
You're A Millionaire And Didn't Even Know It
Переглядів 3,7 тис.21 день тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/rlt62s) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/yxa910) to connect with a SmartVestor Pro. 🏠To learn more abo...
When “Passive Income” Isn’t So Passive
Переглядів 2,2 тис.28 днів тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/rlt62s) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/yxa910) to connect with a SmartVestor Pro. 🏠To learn more abo...
Can I Invest in Real Estate Instead of My Retirement Account?
Переглядів 2,4 тис.Місяць тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/ucqnjc) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/vnc3rt) to connect with a SmartVestor Pro. 🏠To learn more abo...
Don’t Be So Desperate That You Make a Stupid Decision
Переглядів 1,5 тис.Місяць тому
💵 Sign up for EveryDollar today - Create a free Budget! (ter.li/ucqnjc) Listen to how ordinary people built extraordinary wealth - and how you can, too. You’ll learn how millionaires live on less than they make, avoid debt, invest, and are disciplined and responsible!  Next Steps: 💰Need Help with your investments? Click here (ter.li/vnc3rt) to connect with a SmartVestor Pro. 🏠To learn more abo...
Should I Roll My 401(k) Into a Roth IRA?
Переглядів 2,1 тис.Місяць тому
Should I Roll My 401(k) Into a Roth IRA?
How Do I Start Saving for Retirement?
Переглядів 1,7 тис.Місяць тому
How Do I Start Saving for Retirement?
Should I Leverage Money or Pay Cash for an Investment Property?
Переглядів 1,3 тис.Місяць тому
Should I Leverage Money or Pay Cash for an Investment Property?
What’s the Wisest Way To Handle an Inheritance?
Переглядів 2,4 тис.Місяць тому
What’s the Wisest Way To Handle an Inheritance?
Real Estate Investing Isn’t All Rainbows & Paychecks
Переглядів 1,7 тис.Місяць тому
Real Estate Investing Isn’t All Rainbows & Paychecks
Should I Start Buying Into Company Stocks?
Переглядів 1,4 тис.Місяць тому
Should I Start Buying Into Company Stocks?
Where Should We Invest After Paying Off Debt?
Переглядів 2,4 тис.Місяць тому
Where Should We Invest After Paying Off Debt?
We Disagree With What To Do With $80K
Переглядів 2,6 тис.Місяць тому
We Disagree With What To Do With $80K
How Do We Prepare for Early Retirement?
Переглядів 2,7 тис.Місяць тому
How Do We Prepare for Early Retirement?
Why Real Estate Can Be a Blessing or a Curse
Переглядів 1,4 тис.Місяць тому
Why Real Estate Can Be a Blessing or a Curse
Is a Roth Conversion a Good Idea?
Переглядів 2,3 тис.2 місяці тому
Is a Roth Conversion a Good Idea?
Don’t Confuse Speculating With Investing
Переглядів 1,7 тис.2 місяці тому
Don’t Confuse Speculating With Investing
These Bad Decisions Will Steal Your Wealth
Переглядів 2,2 тис.2 місяці тому
These Bad Decisions Will Steal Your Wealth
We Always End Up Owing the IRS Every Year…
Переглядів 1,8 тис.2 місяці тому
We Always End Up Owing the IRS Every Year…
Where Should I Be Investing?
Переглядів 2,1 тис.2 місяці тому
Where Should I Be Investing?

КОМЕНТАРІ

  • @jonathanmunz
    @jonathanmunz 40 хвилин тому

    Smart enough to make $3 Million Dollars, not smart enough to figure out $3,000,000 / $60,000 = 50. Meaning that even if he didnt invest any money and made 0% interest, he could live for another 50 years on what he is living on now. Um yea i'd say you're fine.

  • @USMC6976
    @USMC6976 17 годин тому

    Don't forget the payback if you continue working. Taken from the SS website. "We use the following earnings limits to reduce your benefits: If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024 that limit is $22,320. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age. If you will reach full retirement age in 2024, the limit on your earnings for the months before full retirement age is $59,520."

  • @thomasamendola1888
    @thomasamendola1888 День тому

    1031 into a Delaware Statutory Trust (DST). DSTs make the timelines easy to achieve, gives you economies of scale, and takes away all management headaches.

  • @CaptainBenjamins
    @CaptainBenjamins День тому

    I would say the best answer is to have some money in a traditional account, Roth account, and taxable account. That way when you’re 60 you can strategize how much to take out of the traditional account at a low tax rate before taking money out of a Roth. And the same with taxable account with capital gains tax

  • @CaptainBenjamins
    @CaptainBenjamins День тому

    I would say the best answer is to have some money in a traditional account, Roth account, and taxable account. That way when you’re 60 you can strategize how much to take out of the traditional account at a low tax rate before taking money out of a Roth. And the same with taxable account with capital gains tax

  • @ScoFish
    @ScoFish День тому

    boo, he stinks

  • @StraitD2
    @StraitD2 День тому

    Is there a comprehensive list of HSA accounts that don't tax us to death or have high interest rates?

  • @robertpalos564
    @robertpalos564 День тому

    50% of the down payment …sooo 10%…still needs to double that if he wants to avoid PMI

  • @sourcedevie1473
    @sourcedevie1473 День тому

    He is good guy

  • @teaboone
    @teaboone День тому

    Another caller who can’t get to the question. Ugh. Get to the point!

  • @Ingridlourd02
    @Ingridlourd02 День тому

    Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

    • @Lourd-Bab
      @Lourd-Bab День тому

      Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

    • @Ingridlourd02
      @Ingridlourd02 День тому

      @@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

    • @Lourd-Bab
      @Lourd-Bab День тому

      @@Ingridlourd02 Oh please I’d love that. Thanks!

    • @Ingridlourd02
      @Ingridlourd02 День тому

      @@Lourd-Bab Judith Ann peace is her name

    • @Ingridlourd02
      @Ingridlourd02 День тому

      Lookup with her name on the webpage.

  • @Ingridlourd02
    @Ingridlourd02 День тому

    Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

    • @Johnwilliams086
      @Johnwilliams086 День тому

      Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

    • @Ingridlourd02
      @Ingridlourd02 День тому

      @@Johnwilliams086 However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

    • @Johnwilliams086
      @Johnwilliams086 День тому

      @@Ingridlourd02 Oh please I’d love that. Thanks!

    • @Ingridlourd02
      @Ingridlourd02 День тому

      @@Johnwilliams086 Judith Ann peace is her name

    • @Ingridlourd02
      @Ingridlourd02 День тому

      Lookup with her name on the webpage.

  • @Kevin-fn1rn
    @Kevin-fn1rn День тому

    Dave’s like “if you can’t buy a house in cash then you gotta start delivering pizza 80hrs a day”

  • @tonypreston7278
    @tonypreston7278 День тому

    Dave and John are wrong. You invest your money into funds with good rates of return. That 50% down payment does nothing for you in the long run. You need to make your money work for you.

  • @tonypreston7278
    @tonypreston7278 День тому

    Invest

  • @kilofox11
    @kilofox11 День тому

    Definitely confused. I thought the caller said he'd have 50% of the down payment in a year, not 50% of the home price.

    • @emoney1231
      @emoney1231 День тому

      Yeah... $150k income in Seattle. Do some math there and 50% of the home is essentially impossible in 2 years, lol.

  • @lynette8918
    @lynette8918 День тому

    Welfare nursing home?? Wow. I feel sorry for people who take your advice because you don’t know wth you’re talking about

  • @DonteeWeaver
    @DonteeWeaver День тому

    👀

  • @alisonwalker8414
    @alisonwalker8414 День тому

    I have worked all my life without thinking about my retirement. Now my kids are growing fast, the way I am spending my savings, it has come to my attention that at my old age, I will have no jobs, no money left and no retirement funds to fall back to. So I am asking what do I need to do and how do I begin investing in my retirement. I just need professional advice. Thanks.

    • @FloraGEvans
      @FloraGEvans День тому

      I am no professional, but I know and use one. You should do same to avoid unnecessary losses. It is never as easy as they make it look. Please be safe.

    • @alisonwalker8414
      @alisonwalker8414 День тому

      Could you please refer me to your expert, I will like to look him up.

    • @FloraGEvans
      @FloraGEvans День тому

      It is a SHE, and her name is Deborah Lynn Dilling.

    • @FloraGEvans
      @FloraGEvans День тому

      *Deborah Lynn Dilling* is the licensed coach I use. Just search the name, you'd find necessary details to work with some correspondence to setting up an appointment with her.

    • @alisonwalker8414
      @alisonwalker8414 День тому

      @@FloraGEvans I am kind of skeptical about all investments, but I have no other option than to begin my retirement plans. Please what more can you tell me about Deborah Lynn Dilling. I want to be in safe hands.

  • @dr_flunks
    @dr_flunks 2 дні тому

    ramsey would have ben richer had he just left his money in the sp500. hehe.

  • @emoney1231
    @emoney1231 2 дні тому

    I doubt he has less money than her. It'd be crazy to tell her she's behind if he has less money.

  • @kenpirr3246
    @kenpirr3246 2 дні тому

    If you would have bought NVDL which does 2x nivdia last year you be rich !

  • @radar29
    @radar29 2 дні тому

    Why save only 15 percent if you have household income of 200K -

  • @fedorinovsubdivision
    @fedorinovsubdivision 2 дні тому

    As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

    • @schuplovpage
      @schuplovpage 2 дні тому

      I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

    • @grikhanov
      @grikhanov 2 дні тому

      A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

    • @danileyko
      @danileyko 2 дні тому

      This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.

    • @grikhanov
      @grikhanov 2 дні тому

      Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

    • @danileyko
      @danileyko 2 дні тому

      Thank you for the lead. I searched her up, and I have sent her a message. I hope she gets back to me soon.

  • @mmohanc
    @mmohanc 2 дні тому

    I am a Newbie to all this and started by researching how to measure risk and reward in a portfolio of assets -- I came across portfolio visualizer from Rob Berger’s videos and I started looking at various scenarios and ran their Monte Carlo Analysis of over 10 different portfolio combinations. What I found blew my mind -- if someone is a Econ / Stats major or knows more about measures of portfolio risk, please correct me if I am wrong: 1. International category does not offset risk because the measures of portfolio risk such as Standard Deviation, Drawdown and Performance measures like Sharpe, Alpha and Sortino ratios over backtesting from 2012 are so much better for US only portfolios. International stocks also go down the same time as US stocks -- My guess for this is because we live in a super globalized world…something that is impacting the US economy will have an impact on others too…albeit maybe less, but not enough of a benefit when you consider opportunity cost of locking 20-30% of portfolio in this category. 2. Montecarlo analysis (which relies on past data to run 10000 various simulations into the future ) therefore shows much better performance of small US only portfolios. 3. This is the most surprising thing : A case against over-diversification. The risk to return is the same if not better for small portfolios. I tested the massive VTI, VXUS, BND combo and against much lighter SCHD, SCHG, SCHR, XLK (bullish on technology for next decade) combo (in terms of the numbers SCHD+SCHG is much better than VTI as a whole)…the second portfolio by far beats the first both in return and also ...SUPRISE lowers the risk !!!! - lower SD, lower drawdown, lower beta and lower downside capture..this was an insane realization for me because I thought holding the entire US stock market would somehow reduce my risk…but this seems wrong when you look at just the numbers…. I then found articles in investopedia about why this is not true and why one should not really diversify beyond a point… Am I missing something here?

  • @kortyEdna825
    @kortyEdna825 3 дні тому

    Am 58 retiring next year but the thought of retirement gives me weakness. 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 never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.

    • @brucemichelle5689.
      @brucemichelle5689. 3 дні тому

      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.

    • @KaurKhangura
      @KaurKhangura 3 дні тому

      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 my funds and make profit from my portfolio this red season. I’ve made over $250k since then.

    • @Justinmeyer1000
      @Justinmeyer1000 3 дні тому

      This is exactly how i wish to get my finances coordinated ahead of retirement. Can I get access to your advisor?

    • @KaurKhangura
      @KaurKhangura 3 дні тому

      There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

    • @Justinmeyer1000
      @Justinmeyer1000 3 дні тому

      Interesting. I am on her site doing my due diligence. She seems proficient. I wrote her an email and scheduled a phone call.

  • @JamesFaulkner341
    @JamesFaulkner341 3 дні тому

    I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.

    • @PaulineJones7
      @PaulineJones7 3 дні тому

      The safest approach I feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

    • @kabiruabubakar2083
      @kabiruabubakar2083 3 дні тому

      @@PaulineJones7 It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

    • @JamesFaulkner341
      @JamesFaulkner341 3 дні тому

      @@kabiruabubakar2083 This is considerable! think you could suggest any professionals/advisors? I'm in dire need of proper portfolio allocation.

    • @kabiruabubakar2083
      @kabiruabubakar2083 3 дні тому

      @@JamesFaulkner341 My CFA ’ is “Victoria Carmen Santaella”, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

    • @JamesFaulkner341
      @JamesFaulkner341 3 дні тому

      @@kabiruabubakar2083 Appreciate this recommendation, hopefully, I can get some insight into where the market is headed and strategies to beat the downtrend when I hear back from Victoria Carmen Santaella.

  • @bradreviews
    @bradreviews 3 дні тому

    Roth 401ks might not be right for people with high taxes who would benefit from the tax savings today. Saying you should "always do Roth" doesn't apply to every single person or situation. Not everything is black and white

  • @SammyIglesias4665
    @SammyIglesias4665 3 дні тому

    Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

    • @PilouBen
      @PilouBen 3 дні тому

      Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

    • @SammyIglesias4665
      @SammyIglesias4665 3 дні тому

      @@PilouBen However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

    • @PilouBen
      @PilouBen 3 дні тому

      @@SammyIglesias4665 Oh please I’d love that. Thanks!

    • @SammyIglesias4665
      @SammyIglesias4665 3 дні тому

      @@PilouBen Judith Ann peace is her name

    • @SammyIglesias4665
      @SammyIglesias4665 3 дні тому

      Lookup with her name on the webpage.

  • @mohican-jx6fx
    @mohican-jx6fx 4 дні тому

    Lately I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $800K in the stock market, experiencing fluctuations without substantial gains.

    • @cloudyblaze7916
      @cloudyblaze7916 4 дні тому

      Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management

    • @gregorywhem
      @gregorywhem 4 дні тому

      Exactly my solution too, even though I'm not retired. As a contractor with limited time to analyze investments, I've relied on a fiduciary for the past seven years to manage my portfolio. This strategy has helped me navigate market fluctuations effectively and also increased my porfolio by up to 300%. You might consider a similar approach.

    • @ericmendels
      @ericmendels 4 дні тому

      I've got similar problems and I have also considered using an FA but I don't know how to go about it. Please, what are the steps for getting one? Like a really good one.

    • @gregorywhem
      @gregorywhem 4 дні тому

      *Sharon Lynne Hart* is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

    • @albacus2400BC
      @albacus2400BC 4 дні тому

      Thank you for the recommendation. I'll check her out, and I hope I'm able to connect with her.

  • @utube2008utube
    @utube2008utube 4 дні тому

    Guess why the markets are up folks? Answer: who's in the White House right now? Hmmm, a Democrat. JOE BIDEN. That's right. Stop listening to the fear mongering rePubTurds on Fox Snooze. reTrumplicans will destroy this country. VOTE BLUE!

  • @kenashburn5473
    @kenashburn5473 4 дні тому

    In 1998 I invested money into the market with a subpar broker instead of paying off my house and spent the next several years regretting it, all because in theory the market return at that time was a few points higher than my interest rate. Sadly the market didn't cooperate.

    • @emoney1231
      @emoney1231 2 дні тому

      Dave expects the market to beat your interest rate too. Otherwise he wouldn't have you invest 15% before paying off the house. I think if you have 20+ years left on the mortgage, it's a pretty sure bet to invest. And with lots of 3% mortgages, it only skews things even further in favor of investing

  • @toddcarter5027
    @toddcarter5027 4 дні тому

    I haven't made it to 15% yet . My company matches 5% max I do 6% on that and 7% roth. Probably change that tob5% and 8% roth until I get another raisebor two. Then 10% roth

  • @IsabellaLisa-vz3jz
    @IsabellaLisa-vz3jz 4 дні тому

    I recommend diversifying your investments by considering stocks alongside real estate. During a recession, there are potential buying opportunities in the stock market if approached cautiously. Additionally, market volatility can offer short-term buying and selling opportunities. However, please note that this is not financial advice. It's important to be proactive in investing as cash may not be the most advantageous option during these times.

    • @JohnLim-xu3gr
      @JohnLim-xu3gr 4 дні тому

      You’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.

    • @KbcFoundation-un3re
      @KbcFoundation-un3re 4 дні тому

      A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

    • @user-yu5mh8pf4q
      @user-yu5mh8pf4q 4 дні тому

      I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

    • @KbcFoundation-un3re
      @KbcFoundation-un3re 4 дні тому

      WHITNEY KAY STACY is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

    • @user-yu5mh8pf4q
      @user-yu5mh8pf4q 4 дні тому

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

  • @Jabberneck
    @Jabberneck 4 дні тому

    ****1 point 2 M per month global528; it's legit****

  • @user-wy6ym7yy7k
    @user-wy6ym7yy7k 4 дні тому

    That’s wrong info.

  • @mjbalmmac1588
    @mjbalmmac1588 4 дні тому

    Reverse mortgage is worst. They prey on old folk and market it like you never pay. Dave is right it’s a scam and you pay double.

  • @Jacksonbre
    @Jacksonbre 4 дні тому

    Opportunity cost was never addressed

    • @BernardOkeh
      @BernardOkeh 4 дні тому

      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 WHITNEY KAY STACY for the last five years or so, and her returns have been pretty much amazing.

  • @pepenips5095
    @pepenips5095 4 дні тому

    I don’t think they understood what he was saying, he is basically paying off his mortgage for free, so basically no mortgage, I think they forgot the duplex was his house and his investment

  • @NicoleBarker-he2vp
    @NicoleBarker-he2vp 5 днів тому

    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.

    • @RichardMoore-jg5tl
      @RichardMoore-jg5tl 5 днів тому

      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
      @RossiPopa 5 днів тому

      Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million

    • @FusunTumsavas-cq7tp
      @FusunTumsavas-cq7tp 5 днів тому

      Hope you don't mind if I ask you to recommend this particular professional you use their service?

    • @RossiPopa
      @RossiPopa 5 днів тому

      Monica Shawn Marti 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.

    • @FusunTumsavas-cq7tp
      @FusunTumsavas-cq7tp 5 днів тому

      I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

  • @donaldrichey3318
    @donaldrichey3318 5 днів тому

    A burn rate of 8% is nuts.

  • @BuddyDog9267
    @BuddyDog9267 5 днів тому

    Rammer grifting us again into a HSA vendor he gets commish from. No doubt!

  • @AnonDoge
    @AnonDoge 5 днів тому

    Investments will outperform the house growth.

    • @KcZyro
      @KcZyro 4 дні тому

      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 WHITNEY KAY STACY for the last five years or so, and her returns have been pretty much amazing.

  • @Moonless6491
    @Moonless6491 5 днів тому

    I wouldn't be taking medical insurance advice from people who have never had to go to the doctor. For most people, An HSA will destroy your wealth if you have a single medical test or incident. It only works if you gamble that you never need to go to the doctor.

  • @Benji-lj9pj
    @Benji-lj9pj 5 днів тому

    Anytime you can tell the government to shove it I love it

  • @charmcrypto824
    @charmcrypto824 5 днів тому

    Maxing out contributions and opening a Roth 401(k) are solid tips. But have you thought about adding crypto to your retirement plan? My Digital Money is a platform that allows you to invest in cryptocurrency in a tax-advantaged IRA. It's definitely worth looking into if you want to outpace inflation and build real wealth for the future.

  • @Raymondcraw1967RaymondCrawley
    @Raymondcraw1967RaymondCrawley 5 днів тому

    I am regretting not investing in stocks ever since but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?

    • @AndersonFair-cy2bb
      @AndersonFair-cy2bb 5 днів тому

      Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.

    • @VanessaWilliams-pu8vt
      @VanessaWilliams-pu8vt 5 днів тому

      I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $1.2M portfolio surged, yielding an annualized gain of 28%.

    • @Oscarfreeman-cn9rc
      @Oscarfreeman-cn9rc 5 днів тому

      Your advisor must be really good, how I can get in touch with them as my portfolio isn't doing well.

    • @VanessaWilliams-pu8vt
      @VanessaWilliams-pu8vt 5 днів тому

      Whitney Kay Stacy 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..

    • @Oscarfreeman-cn9rc
      @Oscarfreeman-cn9rc 5 днів тому

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

  • @jessyray2074
    @jessyray2074 5 днів тому

    Shoulda bought the bitcoin dawg!! 😂

  • @Sampson-jh7yq
    @Sampson-jh7yq 6 днів тому

    It is difficult to make exact projections for the housing market as it is still unclear how quickly or to what degree the Federal Reserve will reduce inflation and borrowing costs without having a substantial negative impact on demand from consumers for anything from houses to cars.

    • @CrystalJoy-32
      @CrystalJoy-32 6 днів тому

      I agree, It's not just the prices, but also the increasing interest rates that are making it more difficult for people to afford homes. With a good FA you can make up your portfolio.

    • @albacus2400BC
      @albacus2400BC 6 днів тому

      Agreed. I deal with an investment advisor for this reason. I currently have over $800k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons. Our current project for this year is a more concrete ballpark target.

    • @alicegomez7232
      @alicegomez7232 6 днів тому

      How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

    • @albacus2400BC
      @albacus2400BC 6 днів тому

      Monica Shawn Marti is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment

    • @DennisJack-km8ho
      @DennisJack-km8ho 6 днів тому

      I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

  • @Rashaadthegr8
    @Rashaadthegr8 6 днів тому

    One thing nobody can hate Biden about is 1. loan forgiveness and the secure act 2.0.

    • @johnbrewer1234
      @johnbrewer1234 День тому

      What do you mean? That’s one of the main reasons he is a terrible “leader”. No such thing as loan forgiveness exists. It just means he’s robbing me through tax dollars to pay back loans that other people took out, and broke their word about paying back!