401(k) Accounts - How We Invested in Them To Achieve Financial Independence & Retire Early

[@OurRichJourney]

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[@sherrybee7790]

Its amazing what financial literacy can do. 1 year ago i would not have been able to understand a word of what you guys were talking about. Investement in financial literacy is the best thing one could do for one's self. The ROI is infinite. Thank you ORJ. I tell everyone i know about your channel. 💘

[@OurRichJourney]

Wow! I love that you are learning more about investments!!! Isn't it amazing to think about all that you've learned over the past year?! Thanks for watching our videos and sharing our channel with others!!!

[@sherrybee7790]

@@OurRichJourney it really is amazing! Keep up the good work guys. I have watched several of your videos more than once. As i research more, your videos solidifes the info. Alanya Kholberg at Bottom Up Wealth was my lifeline. I purchased her courses and that sent me down a rabbit hole. You guys should collaborate maybe on a podcast. Keep up the good work.

[@htallii1069]

I’m on the same page. I was illiterate a year ago and much much better this year. Do you have any suggestions for books to read? I watch these guys and also read a couple of books (rich dad poor dad, I will teach you to be rich etc.). Want to learn more :) thanks

[@DividendGrowthInvesting]

Hands down the best FIRE channel out there!

[@OurRichJourney]

You are too kind! Thank you soooooo much!!!

[@QuesttoFIRE]

Dividend Growth Investing they absolutely are!🔥😅😅

[@curtisdunn6108]

@@calvindaniels1267 David Gresty Miroslav trades for me as well. met him a while back in 2016...

[@user-bm6wu9zw9m]

I also watch Ryan Scribner and Graham Stephan.

[@tigerrx7]

Not only the best FIRE channel, but one of THE best in teaching investing for normal people who are not employees in the financial world.

[@aljohnson3717]

You guys have reserved a special place in Heaven for what you’re doing, while sharing you wisdom and your experience with the random people in the wide world web! God Bless you and your great kiddos!

[@AvriSimas]

You guys are a true inspiration! We want to be like you guys one day

[@OurRichJourney]

That's so kind! Thank you - so glad you're feeling inspired!!!

[@DCMetroGecko]

I spend hundreds of hours a year learning about investments - a hobby of mine... LOVE your vids as (1) they seem to align with all my research and values (I might suggest a video on the value of living "life" over being a slave to possessions), and (2) I seems to always leave watching your videos with an additional, valuable nugget of information! I still plan to visit Lisbon, again, this Autumn and hope we can share a cup of coffee together... Cheers and Bravo Kids! Henry

[@OurRichJourney]

Hi Henry- love that you're learning about investing and even better that you enjoy it as a hobby! Financial literacy is so important!

[@SimpleeShana]

Watching this for a third time and something finally clicked! I’m changing my investments and getting out of the target date fund my employer selected for me. Thanks!

[@jennyj2895]

This is the only fire Channel that is honest and trustworthy. . I bought the stock investing class. Guys I highly recommended it. You won’t regret it

[@Naeema311]

One of the ultimate investments that you two have is each other! You both are awesome. Having a partner so very well aligned in terms of money management is the secret key 🔑

[@the_shadow_healer]

That part is the most underrated component of financial freedom. A partner with the same alignment.

[@warko01]

Thanks guys.. watching this in Jan 2024..still very much relevant!!!

[@FlySistah]

We invest in Vanguard Total Stock Market Index Fund too. We have a 401K (no Vanguard options - 20% return in 2019), TSP (C and S funds), two ROTH IRA's (all VTSAX) and an HSA account (all VOO) and spread money around in all of them.

[@OurRichJourney]

You are full force with your investment account - FANTASTIC!!!

[@richp5064]

You missed one more exception to pulling money out of your 401k before 59.5. It's call the irs rule of 55. It simply states if you leave your job the year you turn 55 or beyond you can withdraw from your 401k penalty free. This is my plan 😎😎

[@OurRichJourney]

Thanks for adding that Rich!!! :)

[@Davidnprogress2]

The rule of 55 totally changed my retirement goal once I learned about it. Exciting to have that option very soon.

[@mark8877]

I just got done watching their HSA video. These two are fantastic. Wish I could give them 1000 likes!

[@girlgoneplaces]

I love that y'all provide info on money topics even if you don't personally use them. That is so important.

[@angelabarker8611]

Wonderful!!! You should do a video on your overall asset allocation for your IRA, 401k and brokerage account!!!!

[@OurRichJourney]

Great video idea! Thanks Angela!

[@tillie2221]

Why isn’t there a ❤️ button! This video was right on time. I’ve been struggling with how I should invest my 401k and this video confirmed a few of my thoughts on strategy!!

[@OurRichJourney]

Wow! So glad the timing worked! Thanks for watching!!!

[@tonysenter5000]

There are several option that are far better than the 401k and IRA to use for retirement and building wealth your employer and banker can’t offer you and won’t offer you.

[@Raul619Meza]

I have a 401k through my employer. I have a nice amount in there right now. I took a portion of my 401k and put that money into company stock. I look forward to my returns 25-30 years from now.

[@OurRichJourney]

Let it grow and grow!!! :)

[@jwc56]

Hello, I enjoy your videos. They are very informative. There is one correct. If you are age 55 or over, you do have access to your funds without the 10% tax penalty provided that there is a separation from your job, i. e. retirement or lay-off.

[@OurRichJourney]

Thanks for the addition Wesley!

[@D-DPlayz]

Although IRS allows this, it does not necessarily mean that your company plan needs to comply with it. It is at your company's discretion. Some company plans will only allow you after your separation to take a full distribution or rollover. You have to check in your company's 401K plan if they allow partial distributions after age 55 and separated. Note that, if your plan allows it, but if you roll it over to an IRA, you lose this option and will need to wait until age 59 1/2.

[@SweteSavageTV]

You all broke that down in 15 mins. I am impressed thank you for the great content as always !!!! You all stay blessed!!!!

[@dylantroisi]

My TSP was 30% for my last 12 months... glad to be up there with you all 😎

[@OurRichJourney]

LOVING the returns!!! Thanks for watching Dylan!

[@krisd1876]

Dylan Troisi I been investing in the L funds but I haven’t seen a big return.

[@dylantroisi]

@@krisd1876 I'm 100% C fund. The L funds are good as it auto adjusts your dispersements into different funds depending on how much time you have. I wanted to be as aggressive as possible and the C fund is that right now for me.

[@ogo316]

I have a company sponsored Roth 401k and a regular 401k. I am contributing 17% this year in my Roth 401k..Last year I contributed 11%. All invested in long term growth markets. So far my portfolio looks good. I am also buying the company employee stock purchase plan . Goal to fire

[@OurRichJourney]

LOVE the goal!!! And congratulations on increasing your contributions this year!

[@lunulata]

Would you max out your pre-tax 401k before putting money in ROTH? or do 50/50%?

[@kmot92]

Can you do a video of your allocation (and risk tolerance) over time? And your mindset in each stage? From early career before knowing about FIRE, once you knew about FIRE, and retirement?

[@OurRichJourney]

Thanks for the video suggestion Katia!

[@virgiliovelasco4948]

what is better a 401k or 403b ? thanks guys, very interesting information. I work for a University and I have a 403b.

[@kankerdoodleb9149]

As someone old enough to withdraw from my 40lk without penalty I still get value from your content...

[@OurRichJourney]

Aww, thank you so much!!! SO glad you're enjoying the videos!

[@claramassa3520]

I work in the financial industry and I have to agree with what you guys say, invest in your future should be priority number one. We should teach this stuff to all high school seniors, start the financial foundation.

[@josephc28]

One of the best advantages of a 401k is the company match. My employer matches dollar for dollar on up to 5% but that should add up over many years.

[@OurRichJourney]

Yes! If you look at the dollar for dollar match - it's like a guaranteed ROI! :)

[@dwannafalconer2625]

Hi. Which index fund do you suggest if our portfolio does not include S&P 500. Our 401k manager is John Hancock. It does offer a JH 500 index fund and several varieties of Vanguard funds.

[@nilkaegipciaco5162]

For a person that is tryingo to understand all the investments terminology in order to make decisions of what to do, which book, from the ones you have listed, is the first I should be reading?

[@OurRichJourney]

I think the Boglehead books are the best for beginners. They are super straightforward and easy reads - The Boglehead's Guide to the Three-Fund Portfolio takes less than two hours to read, but is super informative.

[@nilkaegipciaco5162]

Awesome! Thanks for the fast response!

[@OurRichJourney]

Of course - hope it helps!!! Also, the Boglehead books are pretty popular, so you can check your local library first to see if they have them. FREE books!!! :)

[@sidp8031]

This page is also great for beginners. Here is her explanation of understanding the different funds. kzbin.info/www/bejne/rHjGgHqPoNmnf5Y

[@OurRichJourney]

📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal

[@alfredalbert8037]

I’m a dividend investor, my wife and I have invested in the s&p500, both through my TSP with the government and through fidelity in her 401-k. Cashed out 370k from the S&P and invested with a full service broker.. Until about 3years ago we were 100% in the s&p after over 30 years. I’m retiring at the end of the month at 59, while my wife will retire next year at 54. We currently have 5.7 million in our tex deferred savings.

[@chrisguzman9359]

My 401k through my work. I have 3 Vanguard index funds along with some other ones. I want to get ahold of them to see that I if I can have just three. My question is what happens to the money that's in those other funds if they reduce it down to 3 let's say? and will I get penalized if they allow me to have three index funds?

[@mjj798]

Hi guys I love your channel. Your workbook was very helpful too. I was hoping you could make a video on how you protect your assets when you achieve fire. (ie trust, wills?)

[@OurRichJourney]

Hi Matt - glad you're enjoying the videos! And thanks for the video suggestion!

[@lamonttaylor5061]

So you think it's best to invest target-date fund and Fidelity 500 or just Fidelity 500.

[@misspimake]

Our job offers ROTH TSP. We contribute just in the traditional 401k TSP right now. What are your thoughts about contributing 15% just in the ROTH TSP?

[@jamesspitzercashout]

Thank you!!! I was wondering if you were going to comeback with a 401k video. I utilized all your previous info you have given, and made choices that you would most likely agree with. So today, wife and I are enjoying Lattĕs and saying hello to you over there in Portugal !! Great seeing you again

[@OurRichJourney]

Hey there James! Happy Sunday!!! :) Enjoy those lattes!!! Hehe!

[@wiskin88]

Thoughts on investing in both a Roth 401k and Roth IRA?

[@FalconWing1813]

I only have a 401k from my employer, and dont put money in any other account. Should I put all in just the 500 index or split it to the other index funds? (international, 500 , etc) My 401k is with fidelity. Thanks for your help!

[@watchmesave4912]

Open a Roth IRA and max it out

[@realfriendsunlimitedpodcas3140]

You both are great teachers , I love this channel . The first time I feel like I understand. I am going to look at my 401 k plan todayv

[@itrthho]

If you want less bonds in a Target Date fund, you can invest in a fund further out in retirement. Example: scheduled to retire in 2040 but invest in a 2070 fund. Personally, I’m not a fan of these funds, but one can tweek them for more stock exposure.

[@OurRichJourney]

Yes - that's another option - Thanks for adding to the conversation!

[@jr4745]

Should I max out my hsa and invest thru that or my individual Roth account ? Already contribute %15 to my employer 401k

[@stemikger]

You two have such a positive outlook and I get a lift every time I watch your videos!!

[@chrishorwege1433]

Excellent video. Anyone eligible to invest in a 401(k) or TSP should watch this video.

[@OurRichJourney]

Thank you so much Chris!

[@rodneyrchicago]

Is it better to dollar cost average your contributions over a year or accelerate / max out contribution early in the year?

[@Chaunguyen1502]

Can you clarify .. so you put 100% TSP into C fund? Thanks

[@OurRichJourney]

Yes we did! :)

[@sionv2009]

One of my favourite funds is Vanguard Lifestrategy 100%. It consists of index funds and I think it's very well diversified worldwide. 0% allocation to bond funds. What do you think of it?

[@OurRichJourney]

Thanks for sharing! We haven't looked into it!

[@matthewou]

Is that only a UK fund? I can’t find any info in the US. It’s not on their main LifeStrategy page, maxes out with the “growth” option at 80/20.

[@sionv2009]

@@matthewou it might be as I'm UK based.

[@emiliocunich2365]

Does the S&P 500 index inside the 401k pay out dividends?

[@nallissful]

What do prefer? to pay tax now and not when withdraw your money from the 401k?

[@zred0106]

In my 401k, I have the option of a Pooled Large Cap growth and Pooled Index equity (S&P 500) fund. Would you choose one or the other? Thanks!

[@t.caskets9893]

Great video . I got out of a tdf 2050 and went into an s&p 500 thats it in my 401k .

[@FuerstenbergE]

I’m really curious to understand why you guys didn’t contribute to your Roth 401k option???? If there is a reason can you elaborate please

[@OurRichJourney]

We could do both, but we don't get to increase the max to do it. In other words, we would each have to split the $19,500 into both the traditional 401(k) and the Roth 401(k). We also have a Roth IRA.

[@knickemup5117]

@@OurRichJourney I don't understand that you have to split the $19,500? Being that you guys are both federal employees you both could not max out $19,500 in the Roth?

[@Jonathan_214]

Should you max out 401(k) beyond the match if the taxable account is what you will be tapping into first when you retire? What happens if you end up draining the taxable account because you didn't have enough funds in there even though you reached your FI number and most of the money is in retirement accounts? As long you don't pull out too much and earn less than the standard deduction, you can still pay 0% tax on the taxable account.

[@OurRichJourney]

We have a video on the order of investing (including up to the match and beyond). It's in the link in the description. Please check it out! :)

[@Jonathan_214]

@@OurRichJourney I have seen the video. I may just not understand the 4% rule. If you are taking 4% of all the accounts from the taxable account, you need to make sure that the taxable account will last until you are able to tap into the retirement accounts, correct? Not sure if that clarifies anything.

[@aldenstallworth5504]

I know this don't have nothing to do with the video and y'all doing a great job, but I am so glad to see black love and two people working it out. Keep staying strong my sister and brother.

[@dsatalino1020]

Love your channel! Wondering what your thoughts are on Roth TSP/Roth 401k options vs the traditional options?

[@CarolinaGQ04]

Wait, where is the link for the video where you all discuss prioritizing where, and in what, to invest (mentioned @12:10)?

[@OurRichJourney]

Links are in the description of the video. Thanks for asking! :)

[@caterdays2852]

You guys are awesome. Thank you for explaining things to us newbies very clearly.

[@edwinseeraj1243]

Is your TSP Roth or Traditional. I’m in the TSP as well and I contribute 5% to the traditional side just to get the match and I max out the remainder on the Roth side.

[@dustindodge5974]

That's the way to go!

[@OurRichJourney]

Our TSP is traditional and we invest in a Roth IRA in our Vanguard account.

[@eagleblue3983]

From my understanding you can do you 5% to the Roth and the 5% match will always go to the traditional. You do not have to invest in the traditional to get the 5% match.

[@edwinseeraj1243]

Eagle Blue I’ve also heard this before from unreliable sources. I’ll contact the TSP help desk soon and ask them directly.

[@rbkrishnasarma]

Hi- granted all 401k companies and plans are! I am single with no debt, just maxed out my contributions! Should I just solely go simply and invest in purely the S&P 500 in my current situation. Please let me know

[@dustindodge5974]

Are you keeping your money in the TSP? I was going to transfer out when I get to retirement, but now the withdrawal options are flexible.

[@OurRichJourney]

We're leaving it in there. :) Thanks for watching Dustin!

[@endirrwiggins2494]

Our Rich Journey #me2

[@balckfox5]

Thank you for dropping gems and blessing us with your wisdom!

[@OurRichJourney]

Thanks for listening!

[@PSAdventures]

Great video, thanks! Another thing to keep in mind about 401k employer match is that there is often a number of years you have to work there before you are "vested" and can actually retain that matched employer money. If you leave the company before the vested time period, or if you are let go, you will not get the employer match. That's why we don't consider employer match to be a very good reason to go work for a company. It's a good benefit, but not a guarantee.

[@OurRichJourney]

Great addition to the conversation - thanks for adding the comment!

[@brian3255]

One question I have always wondered see if u can answer this question for me. I contribute to a ROTH 401K thru work with a employer match. The match I know is considered traditional 401k. When I get to retirement age and withdrawal from this account in retirement do I have the option of only pulling from the ROTH 401 PORTION OF IT only so not to trigger taxes ??? Then at 72 I would take the RMD's ON on the Employer contribute portion?? How does it break down ?

[@NeymarJr-uj1wf]

Right now, I have 401k with Vanguard 2060 Target Date. I realized that it has a little bit higher expense ratio and also I am 26 y.o. I think I can be more aggressive. I want to change my current fund to other index funds. If I sell my current fund and buy a new fund will have to pay taxes and penalty in the next year's tax report?

[@mackymac5754]

Hello, my 401k used to have only 1 retirement fund VTIVX but then later I decided to have 2 more funds VWELX & VWETX and transferred some of the amount from VTIVX to the other 2 funds, how can I transfer the amount back to my original retirement fund and just have 1 fund again and remove the other 2 funds?

[@Mellissaruizpa]

Heyooooo TSP! I contribute too as AD AF. Finally upped my contributions to max out. Took me a couple of years to be comfortable with this but happy I made the decision.

[@OurRichJourney]

Congratulations! Maxing out your TSP is fantastic!

[@Mellissaruizpa]

@@OurRichJourney I owe it to you guys. I never considered retiring early. Although if all goes as planned I'm set for retirement at 38, I never considered it being actually possible to retire before then. Thank you for all the knowledge you bestow on us! 😁 Much love.

[@taz0914]

Hi Amon, Christina, I have heard many times to go back and max out your 401k but I’m not sure how that’s possible if it’s being deducted from a paycheck and there’s no way to make a lump sum deposit. Is the thought that I need to budget early on to see if I’d have any left over savings and then increase my contribution rate?

[@ngannguyen-kh9zn]

Hi! Can you make a video on TSP? A lot of us young government employees are clueless about it. Thank you.

[@yvette131]

Hi I also have TSP. Do you just leave it in the C Fund and leave it alone. Or do you make the 2 moves a month?

[@sofianeves378]

amazing video, but is this only for Americans that invest?

[@dawan301]

Thanks for explaining the TSP terms. We have better understanding of the different funds. #FIRE

[@OurRichJourney]

That's wonderful! So happy to hear the video was useful!

[@andrewgarciaart5485]

I have a 457 b plan through my employer, it that the same as a 401 k? I looked through the investment opinions and didnt see any options for s & p 500

[@reisswilliams3524]

Great video. What happens at the end of your investment, do you leave it in the 401k and Roth interest directly from it -i.e. in the example ensure 500k remains at all times and withdraw everything above that?

[@danielafonso774]

We are changing our lives around now that we have been following your story. Thank you for the change in prospective.

[@augustine1498]

I love your videos...I am 74 years I have a 401k and I am investing aggressively with it and its a lot of fun. I have other accounts invested with money manager. But now I am very worried about the economy any suggestions on the companies recession proof?

[@pjayshah]

Are you two familiar with deferred compensation? It is what us N.Y. state employees have.

[@SSmith-kt8uw]

Hi, I’m a federal employee as well. I was wondering why you didn’t go with the Roth 401(k) in your TSP. I listen to Suze Orman as well and she says go with a Roth 401(k) if you can. I value your opinion as well and would really appreciate your thoughts.

[@lamonttaylor5061]

So how many different funds should I invest in just one

[@SeanKmath]

I have TSP too. I should retire in 13 years. I wish they had KZbin back when I started, I've learned so much and changed thing around lately. Hope it continues to work for me.

[@hannahwhalen6258]

What do you recommend doing with a 401K once you quit your job? Should I leave it or convert to an IRA? I have a dual 401K / Roth 401K and just left my company.

[@sprigsmcgee7300]

My employer doesn’t necessarily match, but does put money in annually as a profit share. Share I still invest within the 401k??? I was thinking of opening a Roth separately? Thoughts? Thanks

[@beSpiritfilled-w5w]

Thank you for such valuable information. But does this also work for a 403b?

[@erinp2945]

Hi Our Rich Journey! I'm watching your amazing videos like it's water in the desert. A question: I have a 457 with my employer, and I have the option of ROTH, Traditional, or split. What do you recommend?

[@rameshpai9996]

What are your thoughts on Roth 401K? (Not Roth IRA) Did you have that option in TSP?

[@OurRichJourney]

In our opinion, it depends on whether you anticipate your income to be higher or lower during retirement compared to what it is at the time of investing.

[@knickemup5117]

@@OurRichJourney I think my income is going to be higher and retirement. However I had the majority of my tsp and traditional.

[@U2BER2012]

Any thoughts on fidelity brokerage company?

[@OurRichJourney]

We have accounts with Fidelity, too!

[@bonitahill5239]

Yes !!! 401k Avoid Target Date Funds the fees oh the fees !!! Excellent Information as always!!!😊

[@OurRichJourney]

Yes! We are not fans of the target date funds!

[@rltuniverse]

Dang I messed up I have two Target date funds

[@bobbyareias2089]

Can you do a portfolio of your Roth IRA? They would help me out and others a lot

[@manalopalongo]

So 100% C fund. What's your thoughts on international investing (I fund)? Industry standard is to have about 30% of your account in international.

[@OurRichJourney]

We didn't invest with the international fund with our TSP. Thanks for watching!

[@jessie5026]

Mr Brooklyn I do 75 percent in the c fund and 25 percent in S fund. Last year my return was 26 percent. I had switched to this allocation after 5 months had past in the year. I’m looking to retire at 57 and I’m 47 in a few months. It’s amazing they were able to retire so young. I can’t. I’m a single mom by choice at 42 had my daughter so I got a later start

[@manalopalongo]

@@jessie5026 I've been in the L 2040 for 15 years and only switched to the L 2050 last November. I was up 21% last year. I'm 41 and have about $400k in my TSP. I want to retire at 55 so I'm considering going more aggressive. Buffet says 90% S&P 500 10% bond. Bogle says 80% total stock market 20% bond. 100% S&P is Yolo. I'm not sure what I'm going to do. I could easily stay with the L 2050. I'm 100% S&P in my Roth and HSA and I have a tech sector fund. So I'm pretty bullish.

[@OurRichJourney]

@Jessica Albert - Thanks for sharing your allocation and return!

[@OurRichJourney]

@Mr Brooklyn - Thanks for sharing your allocation. In Bogle's three-fund portfolio, he also says to invest in international index funds - so there are a lot of opinions out there! :( BUT, it all comes down to your unique situation and what you feel comfortable with. Consider your time horizon, diversification, and risk tolerance and then also think about your other investment accounts (if you have them). If you have other accounts, think about how your 401(k) investments can compliment your other accounts. :)

[@johntad751]

I remember I had a 401k with a job many years ago and now moved and did not kept records of it. Is there a way to find out what company my old employer was working with?

[@OurRichJourney]

If you call your old employer, HRO could probably give it to you (assuming they have a record of you having worked there).

[@FourSeasons04]

Well done👍My tsp growth rate was 20.93%. Not as great as yours, but better than negative growth.😊

[@OurRichJourney]

And 20.93% is still a fantastic return! CONGRATULATIONS!!!

[@Luxlookgood]

What do you guys think about purchasing a low cost condo with a HOA

[@OurRichJourney]

We've purchased condos before. We don't like HOAs, but it's typically part of purchasing a condo. :( It's really based on your goals and strategy!

[@teajadetime2442]

Can you share your screen to show step by step how to open a retirement acct with Fidelity

[@thedoubleboiler6971]

Thank you for this and I just took a deeper dive into our 401k and did a review. We agree with everything you have said here. We were paying 0.15% in fees and seeing far less growth than the .04% fee in Index you have listed here. We are really working to max out everything that we can.

[@marthaayalew2505]

I have a question, currently my 401k is on high risk. Did well last year but this year I am losing money. I was going to switch to vtsax but I do the loss can not be recovered right? Or do I jst leave it where it is.?

[@wdeemarwdeemar8739]

Ok I am VA employee my TSP didn’t come close to that did you 100 % in C fund? Hoping for the reveal!

[@manalopalongo]

Yes they say they are 100% S&P which is C fund.

[@OurRichJourney]

@ Wdeemar Wdeemar - Yep! 100% C Fund! :)

[@OurRichJourney]

@Mr Brooklyn - You're right! Thanks for replying! :)

[@IreneSidede]

Any videos on a Personal Retirement portfolio... so a 401k or Roth IRA that is not connected to any employer?

[@mrsinnizter]

Hey my favorite couple love y’all energy and videos I just started investing into VNQ by vanguard through stash app I’m a truck driver but I’m a owner operator can y’all do a video on the difference between Roth IRA vs self-Directed IRA since I’m self employed can I still invest in my own Roth IRA as a self employed individual thank you guys I list to your videos while I trucking throughout the day.

[@OurRichJourney]

Wow - you favorite couple?! - You are too kind! And we are loving all the video suggestions! Thank you!

[@mrsinnizter]

Our Rich Journey I’m more focused on my retirement I moved out of my apartment I had in New York City and now I live in my truck which is fully paid off now so all I have is 2 cellphone bills and storage unit just know y’all two are my mentors love you guys and stay bless talk to y’all soon on my progress thank you 🙏

[@OurRichJourney]

Wow! Congratulations on paying off your truck! Also, I missed part of your question above - Yes: You can invest in a Roth IRA if you're self employed. You should also look into investing in a Solo 401(k) - it's basically a 401(k) plan for people that are self-employed! :)

[@AparnaJain1]

How do your taxes work? Since you’re invested in USA funds like VTSAX etc, how are you able to maintain your portfolio when residing abroad? When I checked with Vanguard, they mentioned they would freeze the accounts in that you can’t buy more but can draw from your investments. Any answers will be quite helpful, thanks!

[@OurRichJourney]

Everyone's tax situation is different, but you should definitely research your unique situation if you decide to move abroad. Thanks for watching!

[@تومريتشاردز]

Log in with a VPN that shows your IP as being in the US. The broker can see where you are logging in from and can request proof of your current address.

[@davidpat1t]

Question -- Your formula calls for a year of expenses x 25, but my wife and I are 60 (and our savings generates income) so do you have a recommendation for our situation?

[@rm7399]

Hi - I absolutely love your comment and basically tell strangers in the supermarket they need to follow you ! Question- I have a work based 401k ( non-matched) that I’m not able to max out, I contribute to HSA and I invest in TD/Robinhood - my own stock picks. I KNOW I’m allll over the place. What should I concentrate on first if I can’t max out my 401k due to bills etc. ?

[@usinebob]

If I have 4 years to retire, should I invest in an aggressive targeted fund or conservative targeted fund? Thanks

[@OurRichJourney]

Sorry - too little information for us to provide our thoughts. Consider your aversion to risk, diversification, how much you're investing, how much you need to retire, how close you are to reaching your retirement (money) goal, etc.

[@luisahernandezmunoz8332]

Can you tell me if American Funds investments are good because my 401k have only mutual funds from that company

[@OurRichJourney]

Sorry - we don't have American Fund investments, so we don't know. Maybe other commenters can share . . . :)

[@KevinConwayChannel]

Love the transparency!!! $$$$$$$$$

[@OurRichJourney]

Thanks Kevin!