How to invest 500,000 for cash flow? seeking info

well done and well laid out..........too often presenters like to tell us how a watch is build when all we wanted to know is what time it is. Your explanation was just what I needed to understand the concept which is exactly what I needed. Thank you.

WHEN IS THE GOVERNMENT GOING TO PAY BACK THE ALMOST 3 TRILLION DOLLARS WITH INTEREST REPUBLICAN RONALD REAGAN STOLE WHEN HE WAS ON A SPENDING TEAR. SEEMS LIKE THE REPUBLICAN PARTY WAS AND ALWAYS HAS BEEN THE BIGGEST PROBLEM FOR THE MIDDLE CLASS IN THIS COUNTRY. THEY STOLE OUR HARD WORKED FOR RETIREMENT MONEY AND NOW IT'S TIME TO PAY IT BACK. WOULDN'T A CLASS ACTION LAWSUIT BE THE BEST ROUTE TO TAKE. THE WORKING PEOPLE OF THE U.S.A. VERSES THE REPUBLICAN PARTY. SEEMS TO ME IT'S LONG OVERDUE.

This is nice if you have 2 million dollars. But for regular people you will work till you die. These videos are only for wealthy people waste of time for any regular people.

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If you have the ability to not take it until you are 70, that means you have other sources of income. If you take it at 62, you can invest all of your SS money. For 8 years of SS payments, invested in a tax free muni account, with compounding, you will have well in excess of $200K. So when you turn 70, armed with the $200K invested in the muni acct, paying you 5% a year, added to your continued lower 62 year old SS payment, you will get the same amount of after tax money as if you waited until you turned 70 to collect. The difference, you have over $20OK in the bank.

What is your commission for selling this product?

$6K from SS? Who? My SS is $2500. I need $7500. That is north of $2M my friend!

Some of the underlying funds have high expenses and the ones that are lower are a bit higher than normal as well. Seems like this product is only suited for very high net worth individuals or those who have extreme tax issues. What is your firm's commission for this product?

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The answer... Around three million dollars.

I have 2 jobs and live on less than $3000 per month. WTF?

This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.

You don't need anything special to make your decision on when to retire. Make an honest appraisal of your life expectancy. No subtract 10 years because we are run by a bunch of warmongers that have us in a shooting war with Russia. Now subtract another 5 years because you are overly optimistic about your own health. OK, if your number is under 85, retire now.

I think investors should always put their cash to work, especially In 2025, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2025

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COMON GUYS AT AGE 90 MARY IS EITHER UNDER THE GROUND OR IN A NURSURING HOME GIVING ALL HER SOCIAL SECURITY AND SOME MORE TO THE HOME..LOL.

This should be done for a single person bc thats the headline, AND people who are using 3k each as a couple, will have a lot saved if theyre getting that much SS. I would like to know, and so does every single/unmarried person , what I need saved to have 10k a month. I know the answer based on constant calculating. But its never fool proof, especially with the threat of the impending A holes in govnt admin threatening to take SS from me after paying max to SS for more than 20 yrs and paying into since age 19. Its enough to make me become a criminal as Im sick of paying for other people, absolutely sick of it. I work holidays, and weekdays and nights, missed parties and vacations and weddings, suffered /suffer exhustion and extreme stress as I continue to work in a high stress profession (one I studied for and planned so I could one day retire), have had many sleepless nights getting my work done……, for what? To give my money to the jerk who plans for nothing, calls in sick, 1-2 x a month (wtf) and moves from job to job, lives hand to mouth so he can afford a 80k truck to park in his 150k house driveway and cant sabe any momey bc of it, buys cigarttes and parties every weekend, goes to work hungover on Mondays and that doesnt even reference all the welfare recipients. I grew up poor, respect a hard working consistent person as my apremt were two of them, and all who live by the law and dont tax othet people with their emergency producing lifestyle. But I am done paying. Your government wants you poor and powerless. Make no mistake. They mean to take from you! So, Im thinking of quitting. Cant stand to give trumps admin a freaking penny.

Thanks god for 1.5 speed.

You guys way too slow. Ugh. Your sport coats mean nothing! Get to the point or lose the audience. And no fucking charts?!?! Bye.

Net is all that matters when you are talking about what people need to live on. You’ve negated the value of your $10K analysis by not specifying gross or net.

I just recently came across your channel and really find it very informative. Keep up the great work!

4% rule only takes 4% first year, it is indexed for inflation after that.

What average person is spending $10,000 a month in retirement??

You seem to have a misunderstanding of how the 4% “rule” works. The 4% withdrawal is for the first year ONLY! After that, each year you increase the amount from the previous year by the inflation rate of the previous year, regardless of the balance of the portfolio. So if you start with $1 million you take $40k the first year, and if there was 3% inflation that year you take $41,200. I’m sure you don’t even use the 4% rule for your clients withdrawal strategy, but you should still be able to explain it correctly.

Your hypothetical couple is a fantasy. The average Social Security a person receives is under $1800 a month so if the two people in your hypothetical received $1800 a month each that’s a big difference from the $3000 each of them to receive in your hypothetical scenario. The 4% rule has pretty much been proven that it is not valid. A lot of financial planners now are saying it’s more like a 5% rule for withdraws on your saved retirement nest egg. Taxes are a very real thing, you could end up withdrawing $7,000-$9,000 a month depending on what your tax bracket they are in to net the $10,000 per month.

More graphs, less talk. It's the way I learn.

I love the idea of the "growth" bucket and the "safety" bucket. How many months or years do you recommend keeping in the "safety" bucket, and what is the best approach for replenishing this bucket in either up or down years for the "growth" bucket?

Its 72

Why do you ask a young person for advice when. Stupid

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VERY important: NON-formulary drugs will not be covered after the $2,000 out-of-pocket cap in 2025 for Medicare Part D plans; the cap only applies to drugs listed on your plan's formulary, meaning you will still have to pay the full cost of any non-formulary medications even after reaching the cap

Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.

The problem with FIAs, is they are not completely fixed contractual agreements with regard to the participation rate and a few other items like that... at least not typically. Typically the insurance company retains the right to change those periodically.

How is new fair market value of property for step up calculated. Do the person inheriting the property supposed to research and declare value to irs?

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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

I just had this bad feeling that I’m gonna wait until it’s bankrupt and not get a dime that I’ve been paying in since I started working part time at age 14. I wish I just give me the money I paid in and I made deal with it myself. Here we have this money taken as a promise that when we need it, we get it and it doesn’t even look like it’s gonna last anyway so why am I waiting?

Y DONT YOU GUYS HAVE A MAP WHILE YOU ARE TALKING, MAKE IT EASIER FOR YOUR LISTENERS TO SEE WHAT YOU ARE TALKING ABOUT

Will there be $260,000 in net sales proceeds if your estimates turn out to be facts? So with a reverse mortgage, you are saying that the home owner does not pay for selling or fix up costs? It seems like the proceeds will be less not more than a quarter of a million dollars.

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Nope !! Calling SSA confirmed that if one spouse collects early, results in a permanent reduction !! If the smaller earner is older than the working spouse, they have to wait for the bigger earner to reach 67 ( FRA ) in order to get that full 50% benefit. The bigger earner benefits would not have matured enough to pay out 50% of FRA yet. Also, they said that if the smaller earner collects early, it also results in a permanent reduction .

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United Health always use Generic and if it don;t work use brand-name. Why use expensive brand-name when Generic work.

Many of us are agents with good plans and can help advise people on the many good plans on health, life, and Medicare advantage or supplement plans.

Can this be done as a joint policy for husband and wife or do they have to be funded individually? Thank you.

Thank you very helpful. Information is the Equitrust also payable to a beneficiary if not used thank you

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How much debt service exactly?? What kind of interest might a person expect at the end of 15 years? Can you make some numbers and give us an example of paying off a RM loan> Cost? Is it reasonable amount or is it ridiculous interest like a first mortgage. On a first mortgage the bank can lend me 700K at 6.99% for 30 years. 6.99% and wouldn't that be nice. let me explain Imagine the bank lends me 700K and I can just pay them back the principle and 6.99% interest. Well most consumer are not bankers and don't have a full understanding of interest. For example a 700K loan plus 6.99% interest is approximately $749,000 in the mind of an uneducated consumer. In reality it's not 6.99% interest on 700K, it's 6.99% per YEAR on remaining balance! Soto recap in reality we look at the amortization which is 1.5 million dollars. That's 120% interest!!!! NOT 6.99% So In reality the loan cost me 120% interest! not 6.99% I won't forget of course how wonderful and nice the bank is to give me plenty of time ( 30 years) to pay them 120% INTEREST So, with this in mind, what kind of interest are we looking at after 15 years for example of a RM. People like me want to know the true cost of the interest and how that works comparatively from a first mortgage. The upfront costs like closing costs are but a minor inconvenience. It's the pay back of the loan to the bank which interests me because I may sell before i die. If I want to consider a RM I would like to know the overall costs, not simply the process of buying back the home and knowing that I have the option.. Please share. How much? How many people had 'sticker shock' when paying the bank back? What's the reality of the interests that accrue.? Thank-you.