“A ticking time bomb could DECIMATE your retirement savings”

[@engmgr67]

Thinking about tax rates makes voting simple. I retired last year and have maxed the 24% bracket with Roth conversions this year and will do so next year just in case the TCJA is not extended. Even to the detriment of losing any ACA subsidies. It's that big of a deal. Thanks for another great video!

[@tomm.8892]

Yes, taxes likely will get higher. However, don't move to fear videos ... not cool.

[@Shane-on5kh]

Don't think you watched the same video the rest of us did.

[@jasonwright1861]

chill out

[@wisulliv]

100% right about not making decisions out of fear. There are more intelligent reasons to convert IRA/401k to Roth. Keeping pretax amounts below 350k and converting the rest gives a person much more control of the amount of taxes they pay in retirement. It provides comfort because you do not have to guess if taxes will be higher or not in retirement. RMDs are no longer of consequence. Psychologically it is better to pay taxes when income is coming versus during the draw down phase of retirement. Plan ahead and you will be golden regarding taxes in retirement.

[@jjjmm7432]

Click bait videos.

[@pete5691]

A lot of people do not realize the implications of tax in retirement.

[@blew3749]

Great video. Good thinking helping us think about the future. Getting everything into Roth is exactly what I'm doing.

[@NolanGouveia]

I like it!

[@mplate1792]

You make a valid case. But the 50% company 401k match needs to be factored in. I've built up my 401k and my Roth side by side. Contribution limits and the above-mentioned match, means the 401k has a higher balance. I've maintained a low income in my first years of retirement. Been making Roth conversions while I'm in 10% tax bracket. The politicians will probably raise tax rates slowly. A massive increase next year seems unlikely. This will buy people a few more years to do conversions at a lower rate.

[@tomc8829]

Even better if you simultaneously build up your Roth, but instead of 401k contributions, you make ROTH 401k contributions.

[@gcs7817]

When there is a crash , convert 401k to Roth. There won’t be any penalties and the tax burden will be lower. The market will recover as it always does and your recovery will be in the Roth Or convert a portion of 401k to Roth every year until you retire. Convert as much as will take you to the upper limit of your current tax bracket. Granted you will need to pay the taxes on the converted amount in the year in which you convert

[@marinerbc1]

Great topic and information even for a Canadian . Our taxation system almost identical when it comes to retirement savings and tax deferment. Thank you professor G .

[@kev13nyc]

keep pumping out those financial informational videos Professor G!!!!

[@tenaciousdean]

I loved this video. Turning 50 in January and this is good info brother. Thanks a ton. I don’t have much but anything helps

[@NolanGouveia]

Happy to help!

[@you1jay]

A general rule of thumb is to put some in pre-tax 401K / traditional IRA, and some in Roth 401K / Roth IRA, That is because, for most of us, we cannot say what your tax situation will be at retirement. If you know with significant certainty, then it is much easier to choose which bucket your investments should go now. Otherwise, try to balance as much as you can between the 2 buckets. And there is also a higher chance that your employer does not participate in Roth 401K, then you are stuck with pre-tax 401K option only for now.

[@ndub4014]

I can always hit the like button first and then watch Prof. G's videos. Another banger! This is the channel I wish I had as a kid. I would probably already be retired if we had this then. Better late then never though! Always putting out top notch advise. Thanks Proffy G!!!

[@jeffdavis510]

This is a great subject to go deeper. I’ve done a few internet searches and asked various accounts but nobody really knows. The question is what percentage should one do in roth IRA / roth 401k vs IRA / 401k? It would be cool for someone to breakdown some different scenarios depending on income and come up with general guidelines. Most recommendations take an all or nothing approach. This doesn’t seem nuanced enough to me. An example: If I am at X income and Y tax bracket I might do 70% roth and 30% IRA. These are just arbitrary numbers and not a recommendation. It would be awesome if some, maybe your students, did some research and formulated a hypothesis.

[@NolanGouveia]

Good idea to go deeper!

[@Shane-on5kh]

My employer offered a Roth 401k option a couple years ago and I changed my contributions to Roth. I will end up having nearly 25 years of my 401k after taxes.

[@jeffb.2469]

Nothing really "new" here, but glad you made this video for those unfamiliar with this. One point to mention - RMD's changed to age 75 for those born in 1960 and later.

[@Kevinw4040]

Yup. I was thinking about this during the video. My RMDs are 75 but I’ll probably be dead by 76. Problem solved.

[@derekhudson3462]

Always enjoy your videos. This is a good topic, and I see it discussed quite a bit on the various finance channels. I would like to say that regardless of the tax implications, having a lot of money saved up for retirement, whether in a 401k or other investment vehicles, is a good problem to have. I have a Roth, 401k, traditional brokerage account, etc., and all have their advantages and disadvantages. Regardless, if you are paying a good amount of taxes in retirement, that generally means that you have a lot of money, which again is a good problem to have. The 401k is not perfect, but it does allow you to contribute $20k+ per year, and it lowers your taxable income every year up until retirement. Again, everything has its pros and cons.

[@NolanGouveia]

Good points and I agree!

[@bobwright8000]

Thanks for the video. I think you need to realize that although taxes are higher , your income and expenses might be less. I live frugally, and save money in retirement. I also pay no taxes, especially self employment tax.

[@LifeInvestor999]

Excellent video Professor G. It's important to think about the taxes in the future versus taxes being paid now. Also, tax rates will be changing based on an individual time horizon. Feds know this but average person is unaware.

[@Kevinw4040]

You should do a video taking this a step further. Showing what the converted amount from a 401k to a roth may be taxed. Say 1 million converted at once vs. 10% a year for 10 years from 65 to 75 years old.

[@Sagarsrage]

Great video! I just found recently that I have $11 000 in contribution room in my RRSP Canada's equivalent to US 401k. I only realized now that there is no US witholding tax for Canadians having US stocks in their RRSP. However the RRSP is like the 401k where you taxed when you starting taking money out at age 71 (In Canada you have to start withdrawing money when you reach 71). I do pay a tax on us stocks on my after tax money put into my TSFA (Canada equivalent of the ROTH account). I do want to say that my investment accounts are slowly getting to my goal of $100 000 in savings. I will reach that goal by August of 2026.

[@JinnTuXoXaan]

Always great videos. Love it! Keep them coming.

[@CSM-68]

One issue that isn’t talked about much with Taxes in retirement, my parents filed married/joint, their entire working lives. When my dad passed away my mom had to file single for the first time. With pensions, SS and RMD’s it bumped her into a much higher tax bracket. This prompted me to look at my wife’s and I portfolios with a different view. ROTH converting now, hoping to complete before RMD’s become a thing.

[@Kevinw4040]

Very good point hadn’t thought about this

[@DiegoLopez-ii2om]

One of the best videos I’ve ever seen. By far the best on this topic wasn’t too clear on if you should open a rollover ira or just convert it straight though

[@Skanchel]

Great video! So glad to hear you address the Roth 401k

[@khafreahmose8768]

I figured this out years ago. Read the writing on the wall and knew the government would have no choice but to raise taxes not only to attempt to lower the national debt, but also expand government aid as the wealth gap increases and more people will need assistance. I converted to a roth 401(k), then got both a roth ira and a spousal roth ira to double my contribution limits. I only have one taxble account which im ok with. I refuse to let the government ream me with high taxes. Its only going to get worse imo.

[@misterskippy2u]

There is an option to raising taxes: the government needs to spend less. They should follow a budget like I have to. If I run out of money before all the bills are paid, I can't force my employer to pay me more. I have to cut spending. Raising taxes is the government demanding we pay them more.

[@khafreahmose8768]

@@misterskippy2u I agree with you 100%, BUT, what are the odds that government will act in a fiscally responsible manner? History rhymes and the rhythm of governments is one of self-imposed currency debasement, high national debts, and ever-expanding expenditures. Unfortunately I believe it will only get worse from here.

[@c496410019]

If I invest in 401k instead of Roth 401k and invest the tax savings now to S&P500. Would the tax savings grow enough to cover the deferred tax that I would need to pay in the future? Assuming I can contribute in full either in 401k or ROTH 401k.

[@ivysapphire6944]

Also consider Roth if you're moving internationally. You will still have to pay taxes. Don't forget IRMAA either 😉. 2 year outlook for Medicare, income based. The government got all their bases covered.

[@lilliankerr-z7c]

Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.

[@MichelleBennett-g6d]

This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

[@Marcos-q1b]

It's true, not everyone has access to this kind of information. Lack of knowledge can definitely make people panic. it's amazing that i’ve been able to make over $687k passively through investing with an advisor! Having a great wealth manager can really make a difference, regardless of how the economy is doing. Keep up the good work!

[@BenJacques-h1x]

At a point like this, when the pressure is already on you to retire, its best recommended you seek the services of an adviser, as this allows you make smarter investing decisions.

[@Lindamartin-w1h]

Can you recommend any? I am in need of a Cfa to grow my retirement account.

[@BenJacques-h1x]

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

[@SlowlyMotivate]

It all depends on what tax rates would end up being. As long as our taxes don't double or more, I would think most would still be better off deferring paying taxes

[@michaelt2974]

I’m going to need to retire at next year. And I will need to tap the 401k to help meet expenses. Roth conversion for someone needing 401k withdrawals I guess would be futile

[@ThomasPatti]

I just started looking into a ROTH 401k from Fidelity. I’m Still doing the DD

[@sonnysamu2645]

My question is this. I have a traditional IRA, Roth IRA and a taxable brokerage account of mutual funds. My Roth IRA only has about 16k in it. I am currently retired and not earning income. I am 58 years old. Next year should i do a conversion to my roth or just take a large distribution and move the money into my taxable mutual funds. If i do this i could bring the dividends and capital gains up high enough to supplement with my pension and SS. I would like to either convert 73500 or take the distribution. If i convert would have to wait until the end of the year 59 1/2 because i only have money to cover the wisconsin state tax not FED. I was thinking take the FED out when i convert which would be about 57k better than nothing. My wife and i combined have over 3 million for retirement. So taxes i think are going to impact us later. What is the best choice convert or take as a distribution and invest back into taxable mutual funds for more dividends and capital gains?

[@ChrisDaniel-u1b]

Everyone misses the other fact. If you pay taxes now into a taxable account , your growth is long term capital gains. 401k is taxed as income. Big tax difference.

[@NolanGouveia]

This is very true but the money in a taxable account was already taxed as income too so it’s just the gain that’s favorably taxed, but still!

[@CerebralAptitude]

I love your channel very much sir. Very informative and has helped me greatly. I still am struggling with retiring in 2 months and have watched many others. Just a little hard to take advice from someone so young, but I am coming around slowly with your channel. The only criticism I have thus far are your analogies that are unnecessary. Where can I find your members channel?

[@NolanGouveia]

My patreon link is in the description of every video

[@Bur6212]

Thank you for this video!

[@NolanGouveia]

Glad it was helpful!

[@jasonwright1861]

this was the video i was looking for thaank you sir!!

[@lbowsk]

I moved most of my 401k into a ROTH. It hurt at the time but its all mine now.

[@NolanGouveia]

Smart move long term in my opinion!

[@lbowsk]

@@NolanGouveia I am retired, and I like to invest. So I have a third of my pile in Income/Dividend stocks to buy groceries and pay the bills. The rest is in relative safety and a bit in growth. With luck, I'll earn my 4-5 percent per year withdrawal rate without even touching the nut. Knowing that I am not paying taxes on any of it from here on out helps me sleep at night. And if they start dicking around with 401k's, HOPEFULLY they won't mess with Roth's since I already paid that tax. If I live long enough, it will have been a good move. And if I die early, I won't care and my heirs will still get theirs. And, there are no RMDs in a ROTH. At least, that's the plan.

[@erikcarpio3745]

Most financial advisors or saving guys ask to get Roth instead of the Traditional 401k besucase of taxes in the future. I m the only income at home and pre tax let me save more per month and earn interest on that tax I am not paying now. I guess it would be good to run numbers comparing what one can save pre tax and. After tax and see if that extra o save on the traditional, pre tax, help me make more on interest.

[@abntgr5383]

Don’t forget to let people know that the match on a ROTH 401k is treated like a traditional plan. You will be taxed on the match and its growth.

[@Mc.flyyy11]

Key word everyone should clue in on os..."probably". Everything is speculative including the rules. The rules tend to change on different accounts too. The entire system will be gutted before i retire in 20 years. Meaning the landscape will be totally different.

[@BW-kv9wj]

What many people don’t realize is, the more you have in your IRA or 401K is the more you have to withdraw each year when you take the RMD. It can be an enormous RMD which can boost you into the highest tax brackets anyway.

[@NolanGouveia]

exactly which is why we need to consider alternatives.

[@jacobkowski7705]

No. Even with RMD, IRMAA, widow’s tax trap, etc., your effective tax rate will be lower than marginal tax bracket during your working years. Don’t fall for this fallacy. Here is an honest guy kzbin.info/www/bejne/g3mvq4COhMxqhs0si=wS34P8RFuM6xpw5i

[@EricChoi-jg3pv]

I always thought about this, but is it still a bad idea to invest within the 401k if you will be at a low tax bracket in your retirement??

[@jacobkowski7705]

No. You should max out your pretax accounts now!!

[@taliczek]

I wonder if it's possible that they will change the rules for Roth IRA and will have to pay taxes after all.

[@MillsapsFan]

I’m basic and like cost certainty. I’ll pay taxes now.

[@relaxationmusicmeditations597]

Hi professor, this applies to those in the US ? what about for those in Canada. Any suggestions .

[@zachlau4526]

I learned that our MAGI makes us unqualified for Roth IRA investments. We can do some Roth 401K. Maybe you can explain this in another video as I feel it may help others to know this rule?

[@thomashart1030]

Great info Professor G.

[@NolanGouveia]

Thank yoU for watching!

[@ksnagi03]

Great video as usually! 😀 I think, if income is more than “x” amount, individual(s) may not qualify for Roth IRA. Can you please look into and provide some guidance?

[@Atrus999]

I recently got a new job so I'm looking into rolling over my 401k into a Roth 401k, but that initial tax payment is going to hurt as I've been building up my 401k for some years now 😂. It seems like the better way to go in the long run though.

[@funnyriverred2501]

If you can only contribute a small amount every year to a Roth how does that work doing a Rollover to a Roth if you have a substantial amount more in your 401K? do they let you roll as much as you want? For example if I change jobs and want to roll over 100k from my 401k to my Roth is that allowed?

[@Kevinw4040]

You can roll over as much as you want from a 401 k to a Roth. Youll just pay taxes on what you convert in that year. Most people will break it up and do so much a year before the RMDs kick in.

[@Frozenwinter84]

My wife's office offers a Roth 401k with a match, she's contributing to that heavily

[@philochristos]

You make some good points.

[@NolanGouveia]

I appreciate it!

[@rockk973]

Excellent video professor . I have question do you recommend someone I can speak to I have a very different situation after the passing of my wife.

[@livingunashamed4869]

Meh you'll have ton of options. I still prefer to do a traditional 401k for the tax break now and a Roth IRA/HSA for tax free later. I wouldn't worry too much about taxes though. RMD's are going to age 75 in less than 10yrs, charitable donations help a ton, you do not have to pull a ton out all at once, etc.

[@sethdecamp4919]

Yes taxes will go up But what tax bracket are you in now? If you’re in the top bracket now and you take your minimum distribution in the future it’s unlikely that will put you at 37 to 39%. Also - that 90% bracket was on an insane amount of annual income the equivalent of a few Million a year. Most people are not going to be making that in retirement. Take your money a bit at a time

[@willritchie5319]

My "frustration " is that my employer match for my 401k is traditional while my contribution is Roth. I would rather the match be roth as well but if i remember correctly the SECURE act 2.0 authorized the swith for match to Roth but didnt require it. It looks as though my employer is sticking with traditional.

[@DanielGonzales-di6tq]

They aren’t paying off the debt, they are barely servicing the interest on the debt.

[@iamkkk7889]

Great job 👏

[@NicolasCharalambous-t5y]

But what do you do if you didn’t do a ROTH and you are retired already and all your money is in an IRA. Are you just screwed seems like it to me just have to grin and bear it. Thoughts sir?

[@Vccv-m8p]

The ROTH limit is 8000 dollars per year. The professor should clarify that point.

[@NolanGouveia]

For new money yes but one can convert much more from a 401k or ira

[@Vccv-m8p]

Thank you

[@JamesCaballero-q2r]

Wow! This doesn't nearly cover all the ins and outs of the subject. For example, I'm 70 and I'm collecting Social Security and working. My income is too much to invest in a Roth. I could convert some of my traditional IRA to Roth IRA, but the tax bracket would be very high which would cost me a lot. Yes, taxes are likely to go up, but by the time I'm taking my RMD's, I'll be in a much lower tax bracket.

[@Bur6212]

Impressive that your still working at 70 despite making too much to contribute to a Roth

[@alanbrown651]

Hey PG, what do you think about SCHE

[@bluegillmich]

My employer won't give the match funding if you only have the roth , we have both available. This year they give $2700

[@joesphreiley7757]

The tax rate is cheaper once you reach 65 half.

[@kckuc310]

Don’t really matter on tax rates , it’s where you will be in retirement

[@stephendove2850]

Slott gets paid by the Insurance industry, to promote their products. Enough said.

[@OffGridandOutdoors]

Or they just Write off the Debt thru the Devaluation of the Dollar rather than raising taxes.

[@commandoclark]

I think your suggestion of favoring ROTH accounts now due to higher future tax rates is sound advice. However, I think the tax reduction rates will be extended for several more years for most brackets regardless of who wins the election. I also don’t think that either party has any real intention to jack up tax rates in order to reduce the deficit… there’s just no appetite for that, especially on the right.

[@goated4eva]

Wouldn't you still want some traditional to take advantage of tax free standard deduction in retirement?

[@Constitution1789]

Buy gold too.

[@matteohenry33]

Just discovered your channel with this video -- I was able to think about my situation and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $90K per year but nothing to show for it yet.

[@SolemnBankingplc]

It’s important to do your own research and consult with a financial advisor before making any investment decisions.

[@HettieClausenTl]

I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.

[@ShirlPigram]

A colleague at work also suggested market experts, Hearing you say the same thing struck me. I think i should give this a try, but how can reach a decent advisor like the one you use?

[@HettieClausenTl]

I have worked with a few financial advisors before now but i ultimately settled for Celia Kathleen Martel. She is SEC regulated and licensed in US. You can easily look her up.

[@ShirlPigram]

I just checked up out of curiosity and i must say i am impressed by her Credentials. i emailed her already, waiting on her response.

[@Iphone3gsFTW]

Did you get a new camera?! Looks great 👍

[@shellyw6491]

Can you convert from 401K thru employer at 1 institution and convert to a ROTH at another institution? Or can you open another ROTH at the same instution without going over the year allowance?

[@jasonwise078]

What about the people in a really high tax bracket before retierment

[@peterfrank1572]

I just retired, and I want to ask this question to people in retirement, do you feel like criminal being hounded by the Federal government? 😟

[@glasshalffull2930]

Did you feel like a criminal when you were working and the government was after your tax payments?

[@dawnt5587]

A criminal?

[@cindythach3248]

But if you have high salary, you would need to save tax so u would need traditional 401k to bring down taxable income

[@KrustyKlown]

Krusty Tip: Pay Less Taxes

[@travelswithminky246]

maybe not spending 900 billon dollars a year on the military.

[@ctv8100]

It would be OK if they actually used the increase to pay off the debt then lower the taxes again but they won't they will give it to there buddies and pet projects

[@gw62112009]

so, vote Trump then.

[@Shane-on5kh]

Hey Professor G, there's a bot account commenting as you on this video.

[@NolanGouveia]

I know ugh! I have been deleting what I can!

[@TheMatadore]

The national debt cannot ever be paid off. And show me a politician running on increasing taxes.

[@Msmoneybox]

Can you have more than one Roth ?

[@Sanloong7]

Yes, u can have multiple accounts from different brokerages, but the contribution max limit applies to all ur accounts.

[@Kevinw4040]

You could have more than one Roth, but the irs only allows 7000$ total or 8000$ if over 50 in all your Roth accts whether it’s 1 acct or 5.

[@Msmoneybox]

Thanks it makes sense cutting the tax bill and transferring into the Roth I have one already but am not happy with the PERs I have would rather manage it in my Roth tax and fee free

[@manueldelgado5336]

If the US wants to keep competitive, I don’t think the tax rates would increase that much for the common people.

[@fabiGBOtown]

Just do roth conversions during your later years. Im not going into this video this time. Next one

[@b.m.5148]

You heard it here, folks: vote trump! 😂

[@danielnewton4422]

Why He's going to jail

[@appleztooranges]

Where is our market crash?

[@toyarj37]

Bad advice. Roth and traditional accounts should be used together. You you need 100 k don’t pull all that out a traditional. Only pull out up to the lowest tax bracket and pull some out of Robinhood type accounts up to the lowest capital gains which is zero and the pull out the rest from a Roth🤦🏾‍♀️

[@agolchehreh]

💯💯💯💯

[@xst-k6]

Given the need to pay down the national debt with tax revenue, Congress should enact new regulations that ensure that large corporations pay a minimum amount based on % of their revenue. No more of this $0 tax nonsense with made up deductions... looking at amazon who hires/fires people for tax incentives. I think this would take the burden of repaying the national debt from the low and middleclass families.

[@DistrictTrailers]

Do u think it’s better to convert 401k contributions or keep those there and just deposit 7k a year into the Roth from extra cash you have?

[@glasshalffull2930]

I was in the $140K range at the end of my career. Doing the 401K allowed me to drop about third of my income from the 22% bracket to the 12% bracket. After retirement, my expenses have gone down. (Kid out of college and 2.7% mortgage.) Contemplating moving to Florida where family lived and that will save me another 7+%. As far as the ‘big tax trap’, do you think you’ll have $3 million or more at retirement? If you do, then you probably should be contributing to the Roth. Just try to keep most of your income in the 12% bracket.

[@Kevinw4040]

Contributions to a Roth have to come from earned income. Cant come from just “extra money”. You could get a part time job in retirement and contribute that if wanted

[@DistrictTrailers]

@@Kevinw4040 I’m 28 and I make about 180k.

[@glasshalffull2930]

@@Kevinw4040 He may be referring to the Roth ‘IRA’. You still have to have earned income, but the IRA contributions can come from other accounts you have. Roth 401K has the usual $23K limits from payroll deductions that a normal 401K has, but a Roth IRA is limited to $7K.

[@mplate1792]

Those who do a good job of converting to a Roth, may someday find themselves labeled as Tax dodgers. Congress can easily change the Roth rules so they can tax the wise.

[@NolanGouveia]

I don't agree

[@mplate1792]

@@NolanGouveia I hope you are right.

[@TomasGarcia-d3l]

Doom and gloom video

[@NolanGouveia]

essential information

[@sunnysingh786]

First, the KZbin financial "experts" advise to put money away into a 401K. Now that I've done that for a few years, I should move the money to a Roth. O God. There is always something. I am just hoping that the public will not stand for any "outrageous" tax hikes whether it is now or in the future.

[@NolanGouveia]

There may not be much anyone can do about it.

[@keystonekabes]

A good reason to keep funds in a 401k instead of an IRA is that 401k have far greater protection in bankruptcy.

[@Skeer0]

No tax on tips, take those tips and find a Roth IRA and you avoid taxes all together. Then max our your pre-tax contributions to put you in a lower tax bracket.

[@jordanbatka033]

Professor G has 11 dollars

[@mr_compton3019]

Vote Trump?

[@DrMediterranean]

Nah

[@GothDuck]

Why are you pushing a one on one class or whatever? You’re a successful teacher, have properties, a retirement, and well funded portfolios? Shouldn’t you just do it for free if you want to and for who you want to to help as many as you want to? Is it greed or what?

[@NolanGouveia]

I'm here to help, and my time is worth something.

[@GothDuck]

The first part is altruistic, the second part is a cop out. You have more than enough invested, in retirement, and in property for you and your kids to be set for life. It’s greed. It’s okay to just say it. 🤷🏻‍♂️

[@dudewalker3]

Click bait fear video.. thumbs down 👎🏼 won’t be coming back.

[@NolanGouveia]

✌️you must not have watched it

[@dudewalker3]

@@NolanGouveia I did and it sucks, and the title is clickbait fear mongering. Some of your videos are good keep doing that.

[@NolanGouveia]

@@dudewalker3 you must not have understood it. That’s ok. Good luck!

[@dudewalker3]

@@NolanGouveia I’m retiring in 4 months, I understand.. talk about ETFs, or whatever. Don’t be a click Bait fear guy. I thought some of your videos were actually good.. you can do better.

[@toddhallam9598]

Go Trump!

[@WalletInvestUSA]

Trump 2024!!!!!