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Пікірлер
@njlifeandhealth 6 күн бұрын
Thanks for this podcast! Good to see a financial advisor that actually goes over their clients needs year over year. So many of our clients have financial advisors that dont touch base for years, maybe decades!
@freeborn204 7 күн бұрын
She's a liar and an anti-semitic I lost all respect for her when she told those blatant outright lies against Israel.. Shame on her...
@colsonskur6714 4 ай бұрын
Rothhhhhhhhhh
@henryh3496 5 ай бұрын
20 year treasury note at 4.88% gives you 112k a year or a 30 year at 4.77% gives you 109k....easy.
@Justice4oneandall 5 ай бұрын
The estimated amount needed for retirement is always over estimated. If one has no debt and own their home outright the amount of income needed to have a good retirement is less than 6 figures.
@MsLinda165 5 ай бұрын
4% od million ia 40K, however it's taxed when it comes out of the portfolio, and in Canada, we're dinged a lot. Out of 40K, the fed. and prov. gov'ts take 15K in taxes, so the left over is 25K. This is. barely 2K a month. A non smoking, non drinking, conservative person who has all debts paid off needs at least 36K a year (3K a month) to live. This is not a person eating out, or going on vacations. This is just to live. So I do believe it's important to have more than a million. I couldn't save this amount even though I started at 26 years of age, and had 'universal' health care, as Canadians do. I've never earned more than 30K a year, as wages in our area are low, and in fact, even today, in 2024, the median income is 40K a year. 40K minus 15K taxes, so the truth is, most people in my area earn 25K net. Even a couple earning this equals 50K net together. I'm hoping I'll learn a few tricks on this channel.
@trackguy4038 5 ай бұрын
What about those who buy a summer house in Maine and a winter house in Florida?
@ryanhawthorne88 6 ай бұрын
Top 10 greatest male singer of all time
@trackguy4038 7 ай бұрын
20 years ago, in the retirement literature, you needed to get your house paid off before retiring. That is not mentioned now in the retirement discussions
@trackguy4038 7 ай бұрын
Can you do a video on down sizing to a condo or moving to a retirement community? Most retirees want to get away from walking steps
@jessicaarthur6593 7 ай бұрын
Promo*SM
@trackguy4038 7 ай бұрын
Can you do a video on down sizing when retiring? It is tough to do in this housing market. Retirees tend to want to go to a rancher, condo or retirement community without steps.
@Milko2807 7 ай бұрын
Fantastic singer.....
@Lucian_Balthazar 7 ай бұрын
*You know, this system that us humans built, like the common human has to work day and night for em to then get the money needed to survive, to get proper food and housing and all of their needs and wants, which then the govt comes in and takes a portion of that hard earned money as taxes, which would then be injected into the economy, supposedly for that same people, to adhere to their needs and wants in the society, such a system which all of the countries adopted and now follow to, this would only work in the short run, but in the long run, just like nowadays, now we are facing all of the side effects of having such a system for us humans to live on this planet.. We would see economies crashing down, inflation happening all around the world, world crisis, tons of other damages happening, all due to this one single sytem that we all are forced to live by and to follow to..*
@JosephPotts-m6z 7 ай бұрын
Also consider that what worked traditionally isn’t working as well today.
@plokiti1261 7 ай бұрын
Not if.... But when?
@chrismondeprince9844 7 ай бұрын
Good interview
@gattaca5911 8 ай бұрын
dumb trope..remove the cap on rich ahles and problem solved.
@robotactics6635 8 ай бұрын
My father paid in all his life. He died of Cancer a year before he would have retired. The government just keeps all that money. But there is nothing wrong with the program in that case apparently...
@Author-dad-veteran 8 ай бұрын
1. She only paid in for a few years, most people now pay in for their whole lives. 2. SS is the only program that has been forced (by the GOP made rules) to hold the total payout of the program in reserve, despite most people not needing the money yet. That’s what’s killing the system.
@jobs173 8 ай бұрын
I’ve put in more than $25
@charlesyoung7436 8 ай бұрын
My thoughts are: Raise the full retirement age to 70, and the partial benefit age to 65. Use the same step system (two months per year) as is now in effect. Start this as soon as the 67 primary benefit age is in full effect. Add a third bend point with a 5% wage replacement and tax all wages above the current limit.
@jmb-cm7mr 8 ай бұрын
They want you to think SS is in trouble.
@MrGivesuccess 8 ай бұрын
it called insurance for a reason. If a person buy home insurance and home burns down after first month of payment they will pay out far more than they got in payments.
@divineknowledge4607 8 ай бұрын
How many died who paid in before they could collect or died very shortly after they started collecting! It balances out, for the most part, when you use common sense and information that may break up your preset narratives. How about the government stops stealing it!
@k.i.s.s.. 8 ай бұрын
... it evens out. This dude is smart, just another wannabe
@williewitznar6449 8 ай бұрын
More Republiclown propaganda , they forgot how pools work , and just because Ida May lived to 100 , social Security makes up for that deficit by wage earners dying before they receive one check, by accidents , illness , suicides , overdoses , …along with immigrants and others having SS taxes taken out of their checks , while never having citizenship or having a legitimate SS card ….
@twistidlojik7522 8 ай бұрын
What about the people who died and never took anything out? And stop giving to people who never put anything in
@johnlofaro-g4t 8 ай бұрын
What about all the people who pay in and die before they can collect? Like Insurance that's how things work out.
@jayteesgear 8 ай бұрын
Gary Rocks!
@GlowingWalrus 8 ай бұрын
I feel bad for them, all that money saved up and they still don’t know what to do. They probably wasted so much of their life working lol when is enough enough
@jamesbnorman1 9 ай бұрын
3 years to go and burnout is killing me. Sooooo close.
@Lobsterboy300 9 ай бұрын
I did not expect hi speaking voice to sound like that. He sounds like my teacher lol.
@scottnelson1713 10 ай бұрын
Did I just watch a four minute advertisement? Already comfortably retired, so I didn't learn anything here.
@scoutandscooter 10 ай бұрын
I have to agree. Once you know how to save, it's easy. Both of our parents taught us. We have a plan and fully understand sequence risk. Sill, spending one dime of that money after a lifetime of saving will be torture.
@Kendalladkins 10 ай бұрын
Hard to take a financial "expert's" opinion seriously when he doesn't know what bankrupt means. Also... why would you not assume the market is going to continue doing what it's always done?
@maribatcric 10 ай бұрын
You should be mindful that you hold on too tightly to Dave's opinions. You can disagree with someone without disrespecting them. People think that disagreeing with Dave is a sin or something. "Sequence of returns" risk is a very real problem that is well-studied in the financial community. The S&P 500 returns 10% on average, but it's not evenly distributed each year. Some years you get 30%, others you get -35%, etc. The 4% withdrawal rate that Dave shoots down is a conservative estimate of how much you can safely take out of your retirement savings that was established by studying data over many periods. It is not just an opinion or a rudimentary estimate as Dave says.. Check out videos on the topic by Ben Felix and Rob Berger
@drewblake854 10 ай бұрын
What's hilarious to me is you haven't discussed this with him on the air. If you have I'd love to listen to both points of view. However his plan isn't flawed unless you don't follow it.
@beernutzbob 10 ай бұрын
Ramsey's retirement strategy conflates average returns with actual returns and ignores sequence of returns risk therefore it is inherently flawed.
@drewblake854 10 ай бұрын
@@beernutzbob I disagree. However, instead of slandering someone with a headline to views, how about post your findings with stats, data and examples? I would have clicked the video to be educated but seeing someone slandered tells me all I need to know about the accuser. Again he should've called the talk show to discuss, not post this crap for likes and subsribes. dumb....
@rockymountainfacet5958 10 ай бұрын
Yeah. Except his plan is working for me. baby step 7.
@stacybradt6793 10 ай бұрын
Cash is King, Baby!! 😊
@beernutzbob 10 ай бұрын
Being out of debt is not a retirement plan.
@rockymountainfacet5958 10 ай бұрын
@@beernutzbob I own my own house and have a retirement that is fully funded every year. Id say you should look more into the baby steps.
@rockymountainfacet5958 10 ай бұрын
@anon1407 i have the title. In my name. I only pay property taxes. And thats chump change.
@rockymountainfacet5958 10 ай бұрын
@anon1407 baby step 7. Look it up.
@rahman73854 11 ай бұрын
Hello Abich, Can I suggest to you how to grow your channel?
@diegoabich2841 2 жыл бұрын
Thank you! Excellent information and judicious use of one’s money.
@diegoabich2841 2 жыл бұрын
Thank you- Excellent financial information.
@diegoabich2841 3 жыл бұрын
Excellent financial advise
@abeabich5619 3 жыл бұрын
Thanks Diego!
@dulceachaddie8384 3 жыл бұрын
2xytv #vur.fyi
@mariacobb9264 3 жыл бұрын
9r71i #vun.fyi
@gracezoe1188 4 жыл бұрын
I always advice people,don't waste your stimulus checks or salary, invest it in something that will yield more,we can't keep relying on a paycheck that is already half-spent before we receive it, there are investment opportunities that have helped a lot of people especially through Stock investments. I invest mine in the Forex and Stock market, and I do that with a registered trading company with a skilled trading guru by the name of Sir. Austin Grey, he's a man I'd never stop working with. Due to the Corona pandemic, It's best to work from home and earn from home,and I'm grateful to say I've earned profits about $14,270 so far trading with him, you can contact him if you need to upgrade your current financial status. Don't forget, not everyone is complaining of financial crisis this period
@gracezoe1188 4 жыл бұрын
@Deon Barack I'm sorry for your loss, it happens. Well this is his contact(austingrey64@gmailcom)all the best👍
4 жыл бұрын
awesome content
@ronin7358 4 жыл бұрын
Nice vid, keep up the great work. You should use SMZeus to promote your channel!