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@xavier_lucas Ай бұрын
The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 120k I have saved so far for retirement which has depleted over the years?
@FranciszekPawal Ай бұрын
Think about actions you’re taking that might be harming you such as carrying over credit card debt each month.
@AnkurYo Ай бұрын
I agree with the reply above. I also think you should think about steps you can take to start. Start somewhere. Anything is better than being frozen even.
@AadhilaEesha Ай бұрын
In my opinion, create a budget including income and expenses, do this with a financial advisor.
@AadhilaEesha Ай бұрын
Make sure you do the planning with a professional if possible or you won’t really have a successful retirement. I work with MonicaMaryStrigle and generated over 150% in the last 11months under guidance.
@AadhilaEesha Ай бұрын
The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Monica Mary Strigle‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
@donnymac575 4 ай бұрын
Too much talking about baseball and the Olympics.
@OurRetireEarlyJourney 5 ай бұрын
All those are valuable splurges pre-retirement and we are planning on maintaining those in retirement.
@Stitch-smart 5 ай бұрын
Please add chapters to your videos!
@zoner__ 5 ай бұрын
buy a Porsche.
@warsivlogs707 6 ай бұрын
Company fake or real
@LifePlanWealth 5 ай бұрын
Definitely not a company fake. Just an observer of the market and trends. No relationship to any of the mentioned companies.
@jimmypatton4982 6 ай бұрын
Wages are going to rise and cost are going to remain stable
@richardmanginelli2624 6 ай бұрын
Spoken like a true Democrat Dont ever expect it to come, just live with it😊
@t-oz6wk 6 ай бұрын
It made my and many other people's retirement worthless because there are no cost of living increases on most people's retirement
@papiparsons9045 6 ай бұрын
It’s called Bidenomics. Only those who print the money can cause inflation, and the Uniparty is destroying our economy
@kathyKB 6 ай бұрын
The middle class are being decimated.
@user-kj5sl2gx7k 6 ай бұрын
The hiccup is making life very hard for huge amounts of people and making basic life goals like owning a house completely out of reach for most.
@ahm7944 6 ай бұрын
I stopped going to price gouging super markets.. I go to the German chain now...good Quality and 30 to 40 % lower prices
@commodore64boy 6 ай бұрын
The fact a large % of the American people called this, tried to tell everyone emphatically, and yet were dismissed - being called conspiracy theories as they themselves trustingly swallowed government nonsense that was clearly against the most baseline of economics... well - only some people are surprised.
@MrHarryhere69 6 ай бұрын
I have been thinking this for awhile. Well if people are paying for it now, why lower our prices. We will just get more wealthy. I shake my head at store pirces.$7.00 for a bag of chips. Come on. Other stores $4.00 for double the amount of chips. Grocery stores have turned into a convivence store.
@LostInTheWoods44 6 ай бұрын
Yeah its not inflation, its the fact that nothing for the average person matches it. Wage-based income in the United States is so broken right now and because it's become politicized, facts don't matter in the debate anymore. I'm worried for my future children, but also for the environment I'll have to raise them in.
@doug-low-carb 6 ай бұрын
Pension equals group annuity. Annuity equals individual pension. Why are there ads to not buy annuities? Most are bad deals. In other words don't just refuse annuities. Filter them carefully fro how good a deal they are. Early in life we prepare for work. Early in work we develop income. Them in middle age we build net worth. Nearing retirement it's time to convert assets to income. Annuities are one way to convert assets to income, as long as you filter carefully for which ones are a good deal.
@lhv569 7 ай бұрын
Yes: overall plan. Our overall plan includes all the SS benefit 85% tax, state income tax for those that have it, IRMAA, RMD's, Roth conversions, etc. Having a plan makes me sleep better at night.
@wer113 7 ай бұрын
No one knows if they will live tomorrow! Everyone 55 to 60 should apply for social security disability! Everyone should take social security as soon as you can get it! Thank you!
@mobilecommunicationsnetwor5268 7 ай бұрын
Delayed retirement credits are earned each month you delay receiving benefits, but are not applied until the January after your benefits begin. Can you provide details on the payments 68 - 70. Thanks.
@josephb3147 8 ай бұрын
why pay taxes? They print what they want anyway... print print print... until the $ isn't worth a damn
@jewellunacy 8 ай бұрын
Not relly. And if you want to state going back to the gold/silver standard or crypto...please.... Those are dependent on market values, hell...even paper money is too, but not as much. If you invest in society (making sure your 'workers' are well fed, healthy, housed, and educated--which corporations should have some of their exorbitant profits put into those things) which also translates into more jobs, more STEM, and that translates into regaining our place in the top 10 nations. Personally, although I no longer am able to work, mainly due to mental and physical burnout from working 80+ hrs/wk, I would have paid 1/2 my paycheck on making sure of making sure myself and those around me keeping healthy, educated, making sure farmers getting paid fair market for any and all products (keep the corps out of that), making sure myself and all those around me getting housed well educated. I'm not saying everyone has to have a PhD or anything like that. However, I do believe that too many facets of society have too many people in the pot: corporations failing to pay fair taxes and fair wages, political fingers on saying how and how much should be allowed and for what programs to allow people to live above the poverty line and therefore the worse schools in those areas and not able to feed their families in such a way to keep from getting or having chronic health problems...etc etc. Strong economies mean strong monetary systems. No, it's not a handout, it's taking care of the population to a point that people are willing to work (as in 1 job, 40 hrs max/wk and still be able to be a single parent with 3 kids) and still have the means to help the next generation step further up the ladder. So, it's not as simple as even what I've put it, and a far cry from the statement you put out. Do research on economies here and around the world. Then prove to me that I was wrong.
@mattkinley77 8 ай бұрын
Yeah is that ironic we found this country by fighting the people that were trying to tax us to now the government dictating our life with taxes You can't own land no more because guess what if you don't pay the taxes they'll steal it
@bayoubilly5176 8 ай бұрын
The corporation tax used to be over 70%... Weird how its almost zero now due to lobbying being made illegal. But keep bitching about easily researched debunked talking points even adam smith debunked in his original treatises on capitalism...
@JohnSmith-hr5xx 8 ай бұрын
Well we didn't have the corrupt thieving government we have now. They all end up millionaires while we get poorer and the debt grows out of control. I haven't heard one politician running on paying down our debt. We are not the wealthiest country if we are 28 trillion in debt. Why do we have a huge government with not one person that can write a budget,? Idiots!
@armslongvr-qx1zu 8 ай бұрын
Do fanum tax
@jewellunacy 8 ай бұрын
Clean water, pub ed (early 1950s-1984), infrastructure, etc. Mil actions since then, overpriced mil supply (black op/coups inc). So, if you want a flat tax, make sure top 1% pays - they don't or min). Block biz biz & top 10% from funding elections.
@1retiredknight 8 ай бұрын
You think there was no clean water and no schools prior to the income tax?
@jewellunacy 8 ай бұрын
@@1retiredknight Well, if you look at the conditions prior to water treatment (which started in earnest in the 1940s or 50s), and no real public schools until the same time period, yeah. Wells only served either small towns and rural farms. Cities? Those were located on rivers where industry was high, along with waste. You must not have lived in the 1970s either. I grew up seeing the foam along rivers and the start of well water being poluted enough to have testing showing various carcinogins. As for public schools, think about this: most were for boys, and if not just for boys, then only up to high school for the most part. So think about things, learn your history, and then get back to me. Oh, don't count from the 17th century either. Also, even Washington only had tutors, and not in any stretches of time to learn enough. That's why he was almost broke and started his military career. Like I said, learn your history, look at what actually is the timeline. I also added a lot more to my list.
@1retiredknight 8 ай бұрын
@@jewellunacy You are demanding I "look at" things that are objectively untrue. Even if you disingenuously only count sewage treatment using chemical precipitation as "water treatment" that has been going on in the US since the 1890s. States had well structured public school systems in the early 1800s. I await your rationalization for how those weren't "real". Pollution was not significantly worse before the creation of the federal EPA than after. Schools in the US were not historically limited to boys only. As for public education stopping at high school, that is still true. You repeatedly demand I "learn history" while making claims that show you paid no attentions to historical fact.
@jewellunacy 8 ай бұрын
Before water treatment plants, and even in some areas today, the only clean water was streams and wells. Guess what? It took the 1970s EPA laws to help clean up bays, and rivers and slowed down the poisoning of wells. Even now, aquifers are poisoned with 'forever chemicals' (I liven in a city with 2 aquafers and both were affected due to flame retardants used for aircraft fires) and wells with farming chemicals (herbicides, anti-pest, and fertilizers). There were literally fires on rivers due to pollution. So yeah, I count anything that purifies water, even if still tainted with forever chemicals. Forever chemicals can't simply be removed from water due to being in just about everything, seas, living things, et al. (Thanks Dow Chemical). So, the damage is done in that field of water purification. So, yeah...you need to look at aquafers for most cities, and rivers for cities and towns, wells, and even rain capture. Plus,, 'purified' water also (in most areas of the US) also contains fluoride which is added to processed (purified) water. So...I think you're in the wrong on this. You might be thinking of septic tanks. So, you need to look at all sides of getting clean water: storm drainage, rain, home/industrial waters, rain, or other natural sources of water. Both intake and outtake, processing of those waters to go into even gray water. So, in the end, you need to prove to me what I'm getting wrong.
@jewellunacy 8 ай бұрын
You can also add bleach or bleach analogs to water in small baters (as like in camping or small tank systems). This can also count for water treatment. But even letting water sit to remove sediments, and/or filter it via some sort of cloth or raw ingredients of cloth, you still would need to treat it to make sure you don't get cholera, E. coli, saminella and more. So, again, you might want to drink water straight from a steam or lake, but you're doing it at your own risk. Here where I live, it's not recommended at all due to one or more of the natural contaiminents that causes diarrhea, gastrointestinal infections (which generally ends up throwing up), becoming dehydrated, and even death. Even before heavy industrialization and population growth, you still drank 'fresh' water at your own risk. So, yeah, we end up supporting and given out grants for water and wastewater treatment plants , along with healthy piping (research recent cities with led piping issues and how it's slow on getting those pipes replaced) so cities that rely on aqufers can try to at least clean up their water supplies. I'm not going more on my soap box and research recommendations. I lived in times that ended up with typhoid and colera outbreaks, the river pollution that nearly killed any wildlife in those waters making those waterways nothing but sewage piping from chemical plants of various sorts or industry that used heavy chemicals and/or waste that they felt they could dump into water ways (and therefore aquafers), fires on those rivers, and all that. So, yeah, you might call me a 'tree huger', but I do wish people would clean up their acts and take care of what is and has been here. Otherwise, nature will take out her fury on us.@@1retiredknight
@taytawr3097 8 ай бұрын
We weren’t in the room where it happened. We know we’re screwed but why is illusive
@TheHonestPeanut 8 ай бұрын
"1916" goes on to debunk himself by mentioning the first federal income tax signed to law in 1861 😂
@1retiredknight 8 ай бұрын
The tax from 1861 to 1871 was not a direct tax on incomes. It was assessed on the states with the states deciding how to collect.
@TheHonestPeanut 8 ай бұрын
@@1retiredknight it was a federal tax. Cry about it 😂
@TheHonestPeanut 8 ай бұрын
@@1retiredknight you seem like the kind of special that says "taxation is theft".
@TheHonestPeanut 8 ай бұрын
@@1retiredknight I bet you have a punisher thin blue line, don't tread on me and "support the troops" stickers on your ride and don't know why that's funny.
@1retiredknight 8 ай бұрын
@@TheHonestPeanut Oh! You are one of those trolls who has no intention of making an argument and just wants to say ridiculous things to anyone who makes the mistake of assuming you might be a reasonable person. Bye then
@zacrl1230 8 ай бұрын
Huh, I wonder what happened in 1916 that necessitated the creation of the tax?!?!?!?!
@jamesgatlin3711 8 ай бұрын
Man people need to think Good job
@blackworx 8 ай бұрын
If he's making the point I think he's making, he's either dissembling and ignoring huge amounts of context, or he's an idiot.
@MikeyD8716 8 ай бұрын
In 1916 how many roads and bridges did we have? how many water treatment plants did we have? The list could go on and on.
@1retiredknight 8 ай бұрын
You know that neither roads nor water treatment come from the federal budget, right?
@fredsanford5737 8 ай бұрын
Taxation is theft. A. Government social programs come with more red tape than private programs, allow for government waste, and allow citizens who procure said services to exist on the dole for life. The largest social program is Social Security, so just take a moment and review that as a retirement scheme for yourself because that's what it's supposed to be. You pay in for life, if you die your payments are absorbed by the government. Yeah, great idea. Want to talk Medicare, private medical insurance requirements and the skyrocketing medical costs? Not to mention those great social programs like NPR and the Endowment for the Arts...B. If taxes on goods would fund the government, then we could do away with fines, fees, and confiscatory programs, right? I would love to go back to when politicians were independently wealthy themselves, as that shows they know how to make money and manage it; as opposed to the insider trading that happens today, making poor pols wealthy through a practice that will get a normal citizen jail time. C. There should be one tax rate for all, if taxes are necessary. No extras, just everyone paying the same percentage. That eliminates the need for a large IRS, because there is no need to look beyond did they pay? Taxes should not be used beyond funding the needs of national security, law enforcement, and border controls. We live in a Constitutional Republic, a form of democracy that prizes the liberty of the individual to form their own lives and paths to happiness. That's why certain freedoms were enshrined in the Bill of Rights, the States were granted powers, and the Federal Government was checked in power through a Bicameral Legislative branch, and a Judicial branch charged with upholding laws passed by the legislative branch, so long as the laws remained in the boundaries laid forth in the Constitution. That is also why the Constitution was made to be amendable. If you see a wrong, it can be amended. Where is the Amendment to allow for permanent taxation of the people? Where is the amendment to allow the government to appropriate funds from one to give to another deemed less fortunate? Under which amendment is the government allowed to seize individual property (sometimes without a crime being committed)? Who was in charge when this taxation began in 1916? Why, the first "progressive" president, Woodrow Wilson, who began the road to social programs, the united nations idea, and a sovereign federal government idea...and indirectly, in just a few years, we had the great depression. We have embraced this BS nowadays, and how many economic crises have we endured? How many wars to ensure the economy doesn't slump? How is that government funded military industrial complex working out? I think Eisenhower showed concern over that. Wouldn't it be nice to just get back to that idea that "ALL men are created equal, endowed by their Creator with certain unalienable rights: life (to live), Liberty (to live freely) and the pursuit of happiness (to live, live free, and be happy with your own results)?
@elminster298 8 ай бұрын
This is so misleading. A. He is comparing when the government did literally nothing that was for the widespread benefit of the people. B. He is ignoring the fact that the taxes on goods made up nearly all of the money needed to run the government, especially since most politicians were independently wealthy themselves. And finally, C. I am ok with taxes as long as they are paid by the rich and the corporations without all the loopholes. I just want that money to go to social programs and education rather than bombing brown people around the world.
@BrassBashers 8 ай бұрын
Russians aren't brown, genius. The rich and corporations pay the majority of taxes. You've got some real shit mainstream talking points, pal!
@gamerplayz-6394 8 ай бұрын
The solution isn't to increase taxes... The solution is to stop spending way more money than the government has. Also, the rich already pay an outrageous amount of taxes, imagine you work hard to build a business from the ground up and then realize that a meter shi- ton of your money that you worked your ass off for is just gone and used in ways that don't help you as a taxpayer
@elminster298 8 ай бұрын
@@BrassBashers we're bombing Russians? Since when? When was the last time we bombed the Russians? Most big corporations pay zero or close to zero taxes. In addition to that, most of them receive some form of government money, either directly or through over 50% of their workers needing government aid in the form of food stamps or WIC. The rich don't pay a PROPORTIONAL amount of taxes compared to the rest of us. In addition to that, they either invest their excess in circular money markets that don't further the economy, or horde their wealth which negatively effects the economy through stagnation. Aside from all of that, my points directly addressed what was said in the video. However, your points are just regurgitated conservative talking points, to best of my knowledge false(depending on definitions), and red herrings intended to avoid addressing the issues brought up.
@1retiredknight 8 ай бұрын
"when the government did literally nothing that was for the widespread benefit of the people" So now. "I am ok with taxes as long as they are paid by the rich" So you don;t want taxes, you want to rob people who'd success you envy using government as a weapon.
@dkakito 8 ай бұрын
Id be happy with flat 10%. With that we could fund pretty much anything we need atm.
@BrassBashers 8 ай бұрын
It would still be 10% flat from your paycheck, then 10% anytime you buy or sell something, they'd still weasle everything possible from you..
@dkakito 8 ай бұрын
@@BrassBashers yes... Somewhere I have a list containing a list of products we get taxed on several times for one purchase. Cars and Homes are both good examples of Govt over taxation...
@HectorLopez-um5dw 8 ай бұрын
And then the federal reserve came and messed everything up.
@bayoubilly5176 8 ай бұрын
Actually one dude fucked that up for the world forcing them to take the dollar off gold. Cuz it was too easily manipulated. Could have found that out if you'd done any cursory research on the subject...
@Lisa-Sherlock-Holmes 9 ай бұрын
FASCISTBOOK doesn't like it when you say the government steals your money. They delete your comment.
@Lisa-Sherlock-Holmes 9 ай бұрын
No comments yet even though I just made one? FASCISTBOOK is deleting my comments.
@LordMerji 9 ай бұрын
Really great explanation!
@richardharding3689 10 ай бұрын
Stop spending
@joekuhnlovesretirement 11 ай бұрын
Welcome new creator. I’m a fellow creator on retirement. Great enthusiasm and partnership in discussion. Here is a nugget if you want it - this community wants more information and less talk especially at the beginning. Hook the audience with facts, actions and relevant stories. You were 4:23 In before topic addressed. Good luck.
@wilxstudio10 Жыл бұрын
WE LOVE IT!!!
@scarfacezalusky8238 Жыл бұрын
promo sm 😆
@karlamangan7445 Жыл бұрын
Great point
@karlamangan7445 Жыл бұрын
Great idea
@karlamangan7445 Жыл бұрын
So cool
@karlamangan7445 Жыл бұрын
Great advice