Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

Which are the 4 fund or 2 fund that is being suggested

Used to listen to every AA & SB podcast - before they did YT. Now that I’m listening, and watching again, I have to ask, “WTH with Paula using sports references???” She said “playing defense in this episode” and “a goal post the size of the world” in another. This is not the Paula I knew. Where are the Chelsea Brennan references and Royal Family commentary? Guess I have to get caught up on the new AA ecosystem.

Doing more of what you love and less of what you don’t love. With Art of subtraction. You begin to recognize what your purpose anchors are. Yes, doing what you love will have greater impact on your success/ impact.

Interesting video, thank you! Remember that financial advisors make money with your money! I used to have a financial advisor and would have been better off to invest on my own with low cost diversified index funds. What do you think about Risk-Based Guardrails methodology?

EUSA etf is a equi weighted sp500 ETF with less expense ratio

I used to work in hospice and non of them asked for their bank statements and asked their ending balance… most of them wants to see their love ones. Visit them often while they’re still alive, make memories and cook their favorite soup and show them love because once they’re gone they’re gone and they’re not coming back.

This guy is smart.

1. 5-Year Period (2018-2023) Four Fund Combo: 14% S&P 500: 11.3% 2. 10-Year Period (2013-2023) Four Fund Combo: 13.4% S&P 500: 12.6% 3. 15-Year Period (2008-2023) Four Fund Combo: 10.6% S&P 500: 9.6% 4. 20-Year Period (2003-2023) Four Fund Combo: 10.9% S&P 500: 9.3% 5. Performance from 1985 to 2005 Four Fund Combo: 16.5% (annualized return) S&P 500: 12.4% (annualized return)

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Great conversation!

I love Cody, but the richest woman in the world did not start with a "roofing company"! It's Françoise Bettencourt Meyers with a net worth of $99.5 billion. Bettencourt Meyers is the granddaughter of Eugène Schueller, the founder of L'Oréal. She owns almost 35% of the cosmetics company, which includes brands like Maybelline, Kiehl's, and Lancôme. Been the richest woman in the works the last 4 years in a row!

Several global indexes are already showing signs of major problems, Brazil, India, South Korea, etc ... and they are pretty cheap. They will head lower as US big caps pull back. Focusing on them, as well as US small caps (Mr Merriman is right, small caps outperform in the long term)

Hey! to me the “Investment Policy Statement” is just a fancy way to say: Sell the winner and buy the looser.

What was up with all the pauses in discussion on this video?

This video proved that overcoming challenges is the foundation of growth. It’s about moving forward, even when things seem difficult.

this was Excellent information , I definetly subscribed to this channel and appreciate this kind of information .. thanks A MILLION !!!!!!

What a very interesting and thought provoking episode - thank you both for this.

Is Joe wearing Maize and Blue glasses because he lost a bet?

Nice studio!

Side note comment: Joe’s glasses are great and Paula- that burgundy colour is made for you!

With a 10% to 15% band, and a plan to buy when its below 10% what happens if crypto falls 90% every year? In my logic it will over 10 years end with selling all the other equities to keep the 10%, ie the investor would loos / jepordice the portefollio total value !! (Parden my spelling i am Danish)

The video is very interesting! Something I don't understand: I have TRC20 USDT in my OKX wallet and I have the recovery phrase: 《pride pole obtain together second when future mask review nature potato bulb》. How should I convert them into Bitcoin?

What an amazing human!!

Joe in the thumbnail 😂 omg

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I have listened to this podcast but def like the video format too! I loved the conversation you and Vivian had! ❤

You're doing a fantastic job!❤️ Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (purchase pet beef artwork wedding page tray shrimp addict modify spoon notice). How can I transfer them to Binance?🙏

Hit $200k today. I'm really grateful for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in June 2024

I would love to see the data on the true gains in a 401(k) when you subtract the expenses associated with maintaining the fund minus inflation. I truly believe that it’s closer to a zero sum game!

Wow eye opening. I always measured my wealth in rands 😂

I just buy IBIT shares. Great move this far. No worry about keys or exchange collapsing etc.

First question would be the taxation and how to pay it.

How are the people who stopped working in Covid and not working now surviving?! Has crime gone up? lol

I could listen to you all day Paula! Buttery smooth and highly valuable. Thank you so much!

Take-a-way: $1 / day for 25,550 days (0 to 70 years old) → $ millions.

Great episode!

The only fund you need is S&P 500 low cost index or mutual fund.

I’m 61 years old and carrying $98,000 in debt in 2025 With $45,000 in credit cards, $20,000 on a car loan, $18,000 in personal loans, $15,000 from a failed business venture. I’m seeking guidance should I tackle high-interest debts first or smaller balances for momentum? How can I negotiate with creditors to ease the burden?

While I totally agree with a diversified portfolio, small caps lagged the market (VB) - I’d have VB as a smaller portion, not equally weighted. 1. VOO- 30 percent 2. JEPQ - 30 percent 3. SCHD - 25 percent 4. VB - 15 percent

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I converted my 401k to a Roth IRA to avoid higher taxes in the future. I'd rather pay taxes now than be stuck paying taxes on my retirement income when I'm 59 and living off my savings.

"Purpose anxiety" - that must be the ultimate luxury problem!?

Bear market, ooh, scary. Long term, high inflation, financially catastrophic. Everyone has his personal rate of inflation, but everyone can take individual action to mitigate market setbacks. Put aside a sufficient buffer (cash, CDs, US Treasuries, AAA bonds) to ride out a long term bear market (3 months to 8 years, depending on your risk tolerance). As an aside, deflation is pretty routine here in Switzerland.

I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.

I think S&P 500 is going for a correction soon. It is 2 years after the correction and it is about time. I aim to gain from this and I'm doing it with 200k and less, thru covered call ETFs, ranging 9-11% divs paid monthly. Am i on the right track?

I know this is a podcast on investing but high school kids need something that first addresses finances. Something a long the lines of Ramit's I'll Teach You to Be Rich.

Robert Kyosaki went off the deep end after Rich Dad Poor Dad (or is it after the first part of the book?). While the book is good, it is harmful to make high school students that he should be followed in what he's doing today. Edit: LOL I commented while listening, and as soon as I posted, you guys went there.

Sorry but If Bengen thinks it's possible we will be on Mars in five years then I question his judgement.