5 Financial Mistakes I Made in My 20's

[@marieneu264]

5:54 I’m an accountant, and here’s another thing you should do each year, contact your insurance agent and ask for a better car or home insurance. Even though it’s assumed their job is to get you the best rate, they make more, the more you pay. I call once a year and get a better rate and plan.

[@GambanJasonC]

The biggest mistake I made financially is not having a separate account for liabilities and personal spending. Makes it a whole lot easier to avoid overspending.

[@RobinTaylorMusic]

My biggest mistake in my 20s was always having revolving debt, paying it off then racking it back up again. Also I didn't begin investing until I was 29. I also did lots of gig work which was stressful and kept me working paycheck to paycheck due to the instability. Happy to say I have a great day job in finance at an investment company now.

[@Lucysil1970]

I wish schools would teach finance and life things in high school. I work with many teens and they are clueless about most things!

[@barrybmw6101]

I agree. However, the history of schools is that they were designed to produce workers for companies, not to produce people that will eventually be self-sufficient. I really wish they would be changed now to teach people how to invest for retirement and how to have good relationships.

[@rachaeloregon38]

Yes! I do too. I homeschool mine and we are starting a textbook called consumer math. It covers how to compare credit cards, assessing interest rates, how to figure out basic life math. Making sure my kids know. ❤

[@mallorygraf8574]

If teachers were teaching finance in high school they probably wouldn't be in teaching profession as they would realize they would make way more money elsewhere.

[@Suzuniyukai]

I did take finance in high school but it still didnt really explain most things 😭

[@maura1259]

I graduated in 2022 and my Senior year it was required to take Economics and Government class to teach about financial things and then about voting. It taught a lot, but no one listened they are hard to teach subjects and one HAS to want to learn it!! I also took finance and left it bc it was elementary school math and only for the people who were really bad at math…

[@rheldaestenson]

I am 54 yrs old and have too many financial mistakes to list here but there was a bankruptcy involved. 😂 However, right now I have a 3% interest mortgage, a large savings account, college fund for my son and over a 800 credit score. ❤

[@Jeroen74]

When I shop for a used car I already know exactly what I want, and the salesguy's only jobs are to fetch the key for me for the testdrive, and to take my money if I decide I want it 😅 I just cannot image walking into a dealership and taking recommendations from a sales guy what car suits me.

[@ilyaw.3081]

Also get a high yield savings account. They are around 5% now.

[@javiercampos6514]

Great tips! The 401k situation happen to me aswell. It was close to a year when i realize that all my money was not growing/loosing money. I dont know why it gets automatically set like that.

[@oluchinwagboso7996]

Maybe thry think its best you choose investments youd be comfortable/happy with

[@LeeWalton6]

I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.

[@Dukaamoses]

yeah investment is the key to sustaining your financial longevity but venturing into any legitimate Investment without a proper guidance of an expert can lead to a great loss too

[@LifewithAlelee]

Thank you! I was just trying to tell my parents this. I’m so scared they don’t have enough for retirement, my dad just thinks his job will take care of them. But diversifying is so important.

[@kensan73]

Don't worry, Shelby, you aren't the only one. My $ was invested in the s&p500 in a company 401k, they said they were transferring it into another account. I assumed it was going to just continue to be invested in an s&p500 equivalent. Wrongo, 1 year later and ~15% ROI about my money had made 0 in a money market account.

[@venom5809]

My neighbor's financial advisor has cost him over $300,000 so far in the last year and a half he has been with him. He was about to buy his kid a condo for $250,000, then he hired this guy and he told him not to buy it, and now instead of having a condo worth $250,000 plus, he's now in the hole for over $300,000. LOL

[@dewalddelange3502]

The mistakes never stop. It is easy to buy anything, including real estate. The problem is selling it.

[@Missgorgeous-p3c]

I am experiencing this right now.Getting a buyer is no joke.Take months and months

[@christinac.5092]

Depends on where you’re located. Where are you trying to sell?

[@emilym123]

As a CPA, I love that you are interested in tax strategies and I feel like you do a good job communicating it. Keep up the good work!

[@ronnagy8118]

The best thing about using a credit card instead of a debit card is that you get 1.5% on all purchases. I have my CC card with the Chase and have it automatically paid in full every month from my checking account.

[@nirui467]

Also credit card has a little more protection when it comes to fraudulent transactions. Credit card company has more skin in the game and therefore more incentive to investigate. With debit card the $$ is gone from your account directly so investigation may move slower

[@ilyaw.3081]

Yes! Debit card is your money while credit card is their money!

[@sobeydaelizabethcortes8381]

You are so honest and raw! Love everything about you and your twin ❤

[@cristymorales2932]

Have someone with a good credit card history add you as an authorized user and then the “age” of that card will help your credit score.

[@ProsperityGrowthPower]

It's impressive how you're taking a holistic approach to budgeting for your move. Allocating funds from the syncing fund for home expenses demonstrates a thoughtful consideration of potential financial challenges. Estimating costs like double mortgage payment, utilities, and subscriptions reflects a well-rounded financial strategy.

[@maxj808]

Be careful not to conflate IRR (money weighted return, i.e, flows impact returns) with TWR. You're definitely right to fire your advisor but the advisor's return might have been better than you think.

[@rosey_josh]

Such great advice. I’ve made all of those mistakes - except I never had a financial advisor. I threw myself into investing and learned - it was tricky at first but like you said, you don’t need an advisor. Thanks for sharing, you look amazing!!

[@EternalAbundance]

I’m turning 21 in a couple of months I really appreciate the tip ❤! Thank you . Another thing I started doing with my credit cards is using it pay everything , because I get cash back , and then just pay off what I used right away or before it’s due .

[@TeddyLeppard]

Credit card companies are selling your information to advertisers. That's why you get money back. If you're OK with that and can pay off your bills in full every month, that's a good strategy.

[@maura1259]

@@TeddyLeppardrespectfully, everything is exploiting us. every device you own, every dollar you spend is all getting exploited and sold. might as well take advantage of what we can. if you have a phone in your hand, youtube downloaded and an account to comment on videos, meaning you have an email…your information is out there as well. wish you the best🫂

[@MrGuillermoVega]

I agree 100% with the financial advisor statement

[@sandy949]

Agree on the money manager. I just moved away from that service earlier in the year.

[@beautyandfinance9993]

You don’t mention the Roth IRA! 0% tax on your gains. HSAs with 0% tax and pre-tax money is also worth a mention.

[@nipunmishra8850]

Hey Shelby, your LA videos have been my virtual guide and inspiration. Moving there in a few years, and you're on top of my "must meet" list. Excited to make you my first friend in the City of Angels! Grateful for your awesome content. Cheers, Nipun Mishra.

[@dwalker5175]

I’ve had a Chase Mastercard for years. When I’m going to buy a car I get Chase to approve a loan from them. Bought a car in 2019. Chase interest rate 2.4%. I showed the letter from Chase to the dealer and they offered 2.3%. Also, I paid off the loan with the first payment. Telling the dealer that you are letting them handle the financing is a vehicle price negotiation in your favor. You need to change your retirement fund custodian. Mine is at Schwab at zero cost.

[@janiceg7661]

Oh and thee worst mistake I invested with a real estate trust via a FA, beautiful office, he drove a RR...fraud! Yep. He's still in prison. Worse I intro him to my minister and wife and they lost money in the scam too. Most painful mistake ever.

[@guysumpthin2974]

Very Common

[@Sam11747]

In 2009, I got a car loan from my credit union at 2.99% APR before looking at vehicles. After getting approved, I found three car lots with the same year, make/model and very close mileage vehicle I wanted. I went to all three dealerships. They all tried to get me to apply for a minimum 5% APR loan until they found out I had a 2.99% APR. After having the dealer give me their best offer, I did a three-way call while I was at the last dealership. I got them in a bidding war, and got 30% off the price cause they needed to take inventory off their books. It was so satisfying to completely flip the script on the dealerships.

[@AparnaJain1]

Doesn’t seem like you hired a few only fiduciary advisor. They would have invested in the S&P 500. Just like therapists, all advisors may not suit you. I am very well read on finances and had an advisor, I fired them after one year because of the lacking services. After a few years, I hired another one and they are also our CPA. This was a great fit for us and they’ve saved us more than $20k in taxes this year plus our next year’s finances and taxes are in a solid place. I’d say find someone who is reasonably priced and you can work with them on a project basis. Use them as a sounding board so they can point out your blind spots if any.

[@VideoGameRoom32]

I regret not listening to my boss and bought real estate when it was really afford and cashed out later when it sky rocketed. My boss is now retired and I would be as well if I listened to him, sitting on a beach front home paid off. I still am kicking myself for this.

[@maura1259]

hindsight is always 20/20 about 90% of the population share the exact same regret as you. I wasn’t old enough but if we learn how to spot these opportunities, we can jump on them the next time they come up. wishing you the best.

[@lauren.tamayo]

Shelby I loved this video! Thank you for your openness in sharing your financial mistakes

[@janiceg7661]

I have 2 on your list...I have a FA and I didn't allocate my un managed 401k. It's a tough decision bcz I lost money investing myself, got a good advisor, but the fee is 1.5% annual!

[@CapeCodBelle]

Financial advisors need to get paid for their work like any other profession. Why do people think they shouldn’t charge for their advice?

[@rosaliang8041]

Love this video! Please make more like this. Also, love the Google Pixel phones!

[@aliciamitrowitz3122]

I’ve looked into financial advisors and with the fees, my dad always says don’t do it because you won’t get the return. Investing in the markets still intimidates me. My dad has helped with a lot of my investments to get started but I have trouble adding to them. I try to think of them as long term returns.

[@murraypollard]

The simple solution is to buy an S&P 500 fund. I believe the average long term return is around 12% which is well above inflation. This way, you are buying into 500 companies, not just a few. Diversify and long term are the keys to making money in the markets. Essentially you are betting on the US economy, which is the strongest in the world. I set up an account for each Grandchild for $10,000 each. The first one at 5, the second at 1 year. If they follow my instructions. ( Don't touch it., it capital.) When they retire at 60, they will each have aprox. $5-$6 million based on historical return. Double $10k every 6 years, and you'll see how fast it grows, especially once they are over 45 years old. It's astounding. At 10 years old the first grandchild now has $20.1k, at 16 she should have $40k, at 21, $80k, at 26 $160k.

[@Renee-b5b]

Most Americans find it hard to retire comfortably amid economy crisis. Some have close to nothing going into retirement, my question is, do I pull cash from my 401k and buy a house, or spread my money in stocks for cashflow? I'd love to afford my lifestyle after retirement?

[@randettawolf]

Lately, I've been contemplating retirement, uncertain whether my 401(k) and IRA will ensure a secure future. I've also invested $200K in the stock market, experiencing fluctuations without substantial gains.

[@CheriFanizza]

Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management

[@brenda-v7c3k]

Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 45% since Q2.

[@franklyn-z1k]

Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

[@brenda-v7c3k]

'Grace Adams Cook' , is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@samkawer]

Capital one savings is 4.3% and no minimum balance required

[@carolschneid]

Wow lots of negative comments. If you are reading this Shelby keep your head up your videos are great and i look forward to them!

[@ShelbyChurch]

I don’t see any negative comments!

[@daveblack6951]

6:44 I believe this is the first time I have seen you clap your hands gesture to emphasize a point 🤣🤣 Point taken 🙏

[@pirhan]

Financial Advisors! GOSH! I was like you, set up my RRSP (Canadian retirement) at 19 with a financial advisor. Worst money mistake I've ever made. Advisor never told me about dividend stocks or really explained the fees. I took my money out almost TWENTY YEARS later and made more with just dividends than I did when putting money from my paycheque in. Smart phones/apps weren't a thing back then, but the advisor could have been better, not like he was making tonnes of money off my couple hundred dollars. It's made overly complicated and confusing on purpose.

[@BBBYpsi]

My biggest financial mistake was in 1986. I was gonna throw $5k in Microsoft at that time was only .10 a share. Splt 9 times get .68 per share quarterly i would be a billionaire but at last minute bought a two week vacation to Tahiti. Best vacation i have ever had. But with the money i would have gotten could go there all the time

[@beach4me2007]

You have a terrible financial advisor. Mine regularly beats the S&P and I pay them less than one percent. I’ve thought about leaving and investing myself but I’m just too busy to stay on top of it. He also helps with long-term financial planning

[@StephenOshea]

get well soon sound lie you have a cold . great video . yes to have a great credit score is a must indeed

[@ramses8847]

These are all really good points. I was the same in my 20s, not thinking about finances as much as I should. With my 401k account I recently started contributing more and with Fidelity I can actually talk with someone who will give advice. When your young you can be more risky with it and choose more stocks over bonds. I also have an HYSA for emergency fund. I like to have a year expenses since the job market for my industry is down and it's very difficult to get a job. I use a credit card for spending and pay it off in full each month, along with points.

[@blakeshockley9125]

The ONLY financial mistake I regret is buying a new truck when I got a promotion only to realize 4 months later I couldn’t afford it, so I traded it in for a more affordable suv and rolled in a lot of negative equity. Although my payment is much cheaper now, it hurts to know that I made this mistake.

[@33kmm33]

My biggest mistake was believing in the sentiment that the stock market was going to crash and selling half my portfolio out of fear. I lost out on MASSIVE gains. Now I will never sell (unless I actually need the cash for another investment).

[@TeddyLeppard]

Yes, it's a painful lesson but one best learned on your own. The two best pieces of investing advice I ever heard were "buy when others are panicking" and "buy and hold forever". You buy for the long term and you'll see the greatest gains. You buy and sell like a day trader and 9/10 people will lose their shirts. I personally know 2 people who went bankrupt day trading. It's just a huge risk unless you're day trading and making commissions off of clients with more money than common sense.

[@sterlingmarshel6299]

@@TeddyLeppard retail clients almost always lose that manage themselves because of emotion. Real professional traders make money - if they are on YT trying to sell you a "system" then you are the sucker for buying it

[@well-blazeredman6187]

I've always found it easier to spot a stock-market bottom than a top.

[@spitword]

​@sterlingmarshel6299 hello can you give me an idea about how to invest I'm almost 37 and I'm desperate because I don't have money for my retirement.

[@DanFrederiksen]

The US credit score is a pretty poor mindset because it only values loans. If you have a million cash with zero debt, that's not considered good in the credit score. A debit card is a much better mindset than a credit card. Here in Europe if we have a visa card it's a debit card. your credit card system basically doesn't exist here. I once had an amex as part of a an account and that was actually the monthly payment type but I never used it.

[@21cgIN]

not true for all of Europe - in the UK we use credit cards quite a lot and our credit score is built the same way as Shelby described.

[@Jeroen74]

Does it help you in any way if I click the sponsor link? Or when someone actually buys through the link? Over here, the Google Store is actually more expensive than other stores 🤨

[@angelachoi6295]

The 401K one is so good! I was putting my money into my 401K and then noticed one day it said like some money market fund? And it was in there and separate from my retirement account. So it was just sitting there and actually not part of my retirement money and growing or anything. I felt like such a ditz haha So definitely make sure you're putting it into the right place, even when it seems like it's in the right place!

[@nicb7628]

I don’t want to say this is the rule, but I always get the same, or better rates, at the dealership. My most recent purchase is 0.9% and almost no credit union around here can touch it. I’d say, shop rates, but don’t only go to a bank and assume it’s better.

[@sterlingmarshel6299]

dealer financed at that rate - you paid for it in the car markup.

[@TilleryK]

Great info! What stock investing app do you use?

[@nae4830]

Wow, you’re so young ands know so much. Good for you!

[@riddlehub1913]

I really love your content, as i face my 20's this year your content reminds me to avoid doing the same thing. As one of your fan i'm offering you a 1 video editing service. thkanyouuu

[@abc123fhdi]

short term vs long term capital gains may be cancelled out by market fluctuations, if you sell when it's down you lose more money even if you tax rate is lower.

[@grantguy8933]

❤❤ well done. Very good 👍 review. Thanks for sharing.

[@mariamitchell3879]

Shelby could you make a video w what to do with/how to manage your money starting from scratch? What are best practices? First save X in X type of account then, etc

[@Courtney-Alice-Gargani]

My financial mistake was I should have sold my stocks when I should have instead of taking other people's advice and they kept saying it's going to go up . Then some of my stocks tanked. 😂 I think people should buy and sell when they feel it's the right time instead taking out people's advice.

[@sandyrose2398]

The people who make a lot of money in the stockmarket know how to look at the companies numbers --- it's not luck!!!!

[@FranMariee]

Great video! These are common financial mistakes I think and this video will help people to avoid them.

[@CautiousCrow]

That financial advisor return is painful! I would've assumed since they're experts they'd know the statistic and just help people invest in index funds while tacking their advisory fee on top. Guess people choose them to gamble on beating the market?

[@smvballer6]

Having jaw surgery in 3 months and thought about you. Hope the best for me ❤

[@abc123fhdi]

I never went with a financial advisor and made 300% return, it's easy to beat the S and P and making less than 2% is worse than putting it in a CD.

[@Paul.Vice.official]

Biggest financial mistake was (among others) staying in a bad marriage longer than 20 years. This made her eligible for alimony. Now I pay a LOT of money.

[@dscheaffer]

I hear you. Picking the right “lifetime” partner, is bigger than most people think. It not only affects your long term finances, but also your long term happiness, as well.

[@iamannacasey]

This video was so helpful - thanks for sharing

[@you2bevsgoogle]

And what was your best financial in your 20´s ? Time with your familie or have a boy friend or visit some places or your jaw surgery or your youtube career ?

[@EsmiRod]

How do you leave a financial advisor? Is there a penalty?

[@user-BrendaUSAMA]

Agree you don’t need financial advisor. You do need a business accountant though. Like the idea of investing in S&P type fund for 401k and IRA. Make sure your business, as your employer, maxes out your 401k, (dependent on your business setup, that’s why you need an accountant), currently employee max contribution $22.5k, employee plus employer combined max $66k annually, for 2023. Also, max out your annual IRA, currently $6.5k, invest similar S&P type fund. I have my IRA setup through Vanguard, S&P fund, low fees.

[@sterlingmarshel6299]

the wealthiest have advisors period - just at a different level.

[@exploringfindeverything]

Shelby, a really nice video. Loved how you shared! Thanks

[@TheKakarot_itachi]

Came here to ask you about your jaw surgery progress/recovery? Was it 100% success?? And do you have any issues with your nerve/senses around your chin/lips/palette?

[@josephcrown7783]

Very helpful advice!

[@madsolea]

I don’t understand why our generation hates on financial advisors because they aren’t all that bad. If you don’t feel comfortable communicating to your advisor that you’re not happy with your returns, you should get a new one.

[@Lion_McLionhead]

Lions didn't invest aggressively enough in their 20's, 30 years ago, but are still manely in cash today & the reason is cash is paying 5% interest & too many animals are expecting the S&P 500 to go up 64% in 5 years.

[@katerinaschenke819]

I made thst mistake with my rothira. The money wasnt acrually invested!!!

[@JuliaStuxberg]

WHY does having a credit card get you better credit score? like what? if i want to have a debit card instead of a credit card why should that impact my score? weird system.

[@Momomomomomomo1]

Love this type of content Shelby!

[@ProlificMarketingEnterpr-rw5vd]

You can buy a trade line! To boost your age.

[@CherylGoer]

I love this type of video!🤍

[@Jeroen74]

I remember that years ago you said you weren't comfortable with these kinds of talking-only videos, but look at you now ☺

[@Imjoseguzman]

My biggest mistake was getting a DUI

[@Mark-sy2bx]

I made my share of financial mistakes but one is wasting investing in baseball cards and action figures. Made some money short term but would have been better off putting it into a fund and let it grow.

[@jaypandya913]

as someone who is 20, i see this as an absolute win

[@Jasmineblinks25]

I understand girly and omg I love your content so realistic

[@drummeragy]

Fo the silly gooses that pay more than 7% interest at a dealer. You could always refinance with another institution, ie, bank or credit union. You dont have to stay with that high interest rate. Hope this helps someone

[@derekcarday]

the retirement fund one gave me a good laugh. cool that you can laugh about it.

[@CapeCodBelle]

Your mistake was using that particular financial advisor. Please don’t bash all financial advisors. My husband is fantastic financial advisor with many credentials and high ethical standards. His clients love him and what he has done for their financial growth and security.

[@theandrewsnyder]

the most bias comment ever.

[@abc123fhdi]

that dealership sucks, you should at least know what the interest rate is, or refinance the car loan or pay off.

[@kristenp1061]

Waiting for Graham's reaction video.

[@VideoGameRoom32]

Don't you have a mic stand for the microphone you use for voice over?

[@ilyaw.3081]

Also, add your kids to your credit card as account users. At 18, they will already have a credit score with a credit history.

[@mister_ray]

Sure but these are all tiny compared to the cost of having the state sanction a relationship.

[@derekcarday]

crazy how much Kira Dixon looks like you.

[@ericbentsen1785]

I'm like invest in T-bills and get 4%-6% interest but then the GOP comes along and says "default on the federal debt!" and "shut down the gov't!" and I'd be looking for a fireproof mattress to put my money in if I had any left.

[@ManjarithePandicorn]

So excited for this video! Been hearing about it on your vlog :) I've def done the first one...I'm 22 bc nobody ever told me; all they say is "open a roth IRA" blah blah and they nvr tell you ahhh

[@haileynelson3058]

Love your videos

[@abc123fhdi]

google pixel features are awesome, if only it didn't have green bubbles.

[@davesites]

I'm not an investor I'm not an investment advisor I've been investing for 30 years. I've been investing for 30 years. I've spent twenty six of those years chaser teslas googles, It was nothing but a waste of time. I'm now a passive investor meaning i'm vesting dividend paying stocks.. It's a generational thing once you understand that you'll become unstoppable. Because whatever you buy, you're gonna leave to your children. It's all about having income when you retire. Keep it simple.. You're running 10 years behit takes a lot of money and a lot of time. Time is your most precious commodity. Good luck, have fun. I get another stream of income off your dividends.

[@abc123fhdi]

the pixel should use AI so when customer service comes back online the google assistant will answer all the questions for you, whether it's an AVR or an actual person.

[@knight2000-NC]

No personal credit card by 20? I think all of us 20 year olds had at least one in 1995 :|

[@steveeuphrates-river7342]

I've told my kids not to bother with 401K until their late 20's. Young people should live la vida loca before getting married and settling down for the next 50 years.

[@angelmiguel133]

Dear Shelby! I appreciate you giving your great advice. Honestly, achieving financial stability requires intentional planning, unwavering dedication, and consistent effort, rather than being a matter of luck. I owe a debt of gratitude to Mrs. Maya Payson, for her invaluable guidance, which has enabled me to generate a weekly income ranging from $5000 to $7000. She changed my whole life.

[@baxtersamuel5787]

This lady called Maya Payson must be very good for people to talk about her this much. she handles my colleague's investment too. I'm surprised to see you talking about her.

[@angelmiguel133]

Yes Bax she's very good, one of the best. A registered investment Advisor that's well grounded on financial market, I Met her once during a trading conference in Oklahoma U.S

[@baxtersamuel5787]

i'm well pleased to meet you Angel, I also invest with, Mrs. Maya, ever since my first investment with her i have never for once had any issues when withdrawing my profits. she is straightforward.

[@leonardolewis4119]

I am not here to converse for her but to share a testimony of what I confirmed, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya

[@miajacob2979]

I heard about this lady on Larry Jones channel, please how can i get in touch ?

[@nipunmishra8850]

Subject: Anticipating Future Adventures: A Note for Shelby Church Dear Shelby, I trust this message finds you well. I wanted to express my heartfelt gratitude for being the guiding force in my love for Los Angeles through your captivating content. Your videos have not only introduced me to the city but have also ignited a passion that has led me to plan a move there in the next few years. As I embark on this exciting journey, I can't help but look forward to the day we'll meet in person. You've been more than a content creator to me; you've become a source of inspiration and a virtual companion in my anticipation of LA. I am confident that when I arrive, you will be my first friend in this incredible city. Thank you for sharing your adventures and insights that have made LA feel like a second home. I eagerly await the opportunity to meet you and express my gratitude in person. Warm regards, Nipun Mishra

[@KLA2789]

It annoys me that you blame the financial advisor for your returns. Did you know what you were invested jn? What product was sold to you? I’m not saying he/she wasn’t wrong, but it doesn’t sound like you did your due diligence as an investor either

[@KristinMavin]

I think red is your color!!