Are You CONDITIONED to Retire POOR? | Don’t Do These 10 Things

[@jerrycampbell-ut9yf]

I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.

[@Peterl4290]

Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.

[@larrypaul-cw9nk]

It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.

[@sabastinenoah]

I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?

[@larrypaul-cw9nk]

The advisor that guides me is Annette Christine Conte, most likely the internet is where to find her basic info, just search her name. She's established.

[@sabastinenoah]

Excellent share, just inputted her on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal.

[@robertfrank886]

More people need to be ‘The Millionaire Next Door’ and drive older cars, live in more modest homes, and not spend frivolously- who cares what the neighbors own?- they’re probably in debt up their eyeballs.

[@mattfoster2021]

I like my new gas-powered truck. Don't tell me what I need. This retirement specialized (Schmidt) owns a new Tesla. Musk & I (stockholder) are happy.

[@arthurbishop3173]

​@@mattfoster2021Who cares

[@mtadams2009]

@@mattfoster2021The new gas powered trucks cost way more than say a Model 3 Tesla. My friend just purchased a new truck and it cost over 70 grand. Vehicles in general have gone off the rails.

[@jenniferlee7167]

They usually are indeed!

[@ric5210]

Should be mandatory reading in high school

[@augustineadeyanju9638]

Jeff, you are an icon, a living legend , we are honored to have you 👍🏾

[@2023Red]

Interesting title: Trained to retire poor? Conditioned? Programmed? My truth at age 76 is twofold. First, spend below your means. Second, avoid debt.

[@xlerb2286]

Bingo! That's what I've done. You learn two things doing that 1: shiny trinkets aren't really all that interesting, and 2: exponential growth on investments over years of time is an amazing thing.

[@johnristheanswer]

​@@xlerb2286He said avoid debt. Didn't mention anything about investing.

[@liveandretireusa]

spending below your means and steering clear of debt. These habits have helped me maintain stability and enjoy retirement without financial worries."

[@20thcenturyrelic]

I've discovered that I'm actually happy with a modest lifestyle.

[@jamesrecknor6752]

Excellent

[@amyyates8273]

Did anyone else think “Be sure to drink your Ovaltine” when he was talking about the decoder ring? 😊 Great video as usual!

[@AlfaKenyBody]

I always learned that trying everything first is the best way to avoid unpleasant surprises, when living the reality, so experimenting frugal life in times of bonanza, isnt a bad idea. Not to mention, in case of money, it helps to save for the future. This has been my mantra.

[@Muriel-1112]

Social Security isn't enough to live comfortably, especially these days. Prices are going crazy, and who knows what the stock market will do by the time we retire?

[@Larry1-pl2wq]

Exactly! I hear you. I keep thinking about working a few extra years, but I'm also beat. There's gotta be a balance.

[@liveandretireusa]

"Love this video on retirement planning! It highlights crucial mistakes to avoid, ensuring financial security. By steering clear of these 10 pitfalls, you could potentially save thousands over your retirement years. Definitely worth watching for anyone planning their financial future!"

[@jimv77]

My wife and I have worked, saved and invested aggressively for 25 years and kept our expenses very low compared to our earnings/savings rate. Basic math says we have enough saved to live an additional 100+ years. Even if we double our expenses, it honestly wouldn't bring us much more joy....we are pretty content with our simple life...

[@amyyates8273]

“Want what you already have” is a great motto and the key to a happy life and retirement.

[@wavamy]

I frequently heat that schools don't teach personal finance. In my 30 year career I never taught at a high-school without it. It goes under the names of consumer math, personal finance, business math, etc.

[@SeanTalkoff]

Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?

[@DonaldStokes-p]

The answer is, like with most inquiries about investing, it depends. I would advise you to look into advice management.

[@howellomaha]

Thank you! Great video and I like the background/casual look too. Nice & bright but completely professional.

[@augustineadeyanju9638]

he’s on vacation

[@billbrock8740]

Thanks, Geoff, for another GREAT VIDEO! So far, so good, being 3 years into retirement at age 61. No debt. Maintain a good budget and rarely use my lone credit card. Pay cash practically everywhere! Thanks for including the SHOCKED DOG! That was a good laugh. Be well.

[@conanthelib1]

Your clarity of thought and explanation is absolutely stunning. 🙌🙌🙌

[@skeller61]

I’ve been trying a strategy of ‘trying on’ different retirement lifestyles by researching them extensively. Examples include river cruises, train travel, and ‘van life’ (getting a van, converting it for camping, and slow traveling around North America). I’m getting into the weeds, researching solar power and portable power stations, etc. But, instead of buying things toward one of them, which would limit my choices, I continue to save. This gives me the vicarious pleasure of imagining what life would be like without depleting the money I need to actually live one of them. By doing this, I’ve been able to get the excitement you got when thinking about your decoder ring (btw, Captain Crunch had a cheaper decoder ring option😊), without the corresponding payment and disappointment. It’s like getting the anticipation of Christmas presents without the empty feeling you got soon after when the unlimited possibilities that were the presents under the tree become real. At the same time, when I finally get to picking between these choices, I’ll have a good idea of what else is out there and the pitfalls of the choice I’ll make. I hope it works! Thanks for your video!

[@KimJimCastro]

Thanks to you Geoff. Following your recommendation, I started researching into Abby Joseph Cohen Services. Thankfully it was a little over a year ago now, I started an lnvestment with Abby's Services and that allowed me to be on much MUCH more stable ground in the face of global financial upheaval. So thank you, your channel, and your employees. For what it's worth, it made a difference for me and my little family.

[@RAKelBerquist]

Same here, I got to know about Abby Joseph Cohen Services from Schmidt in 2021. Since then I've paid off 160,000 USD of debt. Now I'm working on building an emergency fund. I didn't even have a savings account three years ago.

[@PoshanMind]

I could really use some help here, as a meagre salary earner I need to try and earn more passive income

[@PoshanMind]

How can i reach this abby Joseph Cohen, if you don't mind me asking?

[@KimJimCastro]

​@@PoshanMind Well her name is 'ABBY JOSEPH COHEN SERVICES'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@johnristheanswer]

How far into Abby did you reach ?

[@lindawilson4625]

This video reminds me of the quote (loosely) "The wanting is sweeter than the having". I have found that to be true so often in my life.

[@kurtbilinski1723]

Regarding celebrity and sports star lifestyles, I listened to a (now old) interview with a Sports Illustrated reporter, who was asked how many top sports stars end up bankrupt because of poor choices. I was floored to hear it was something like 90%. Geez...

[@Mexicobeanpole]

The sports leagues show require some kind of financial classes. It’s such a shame to have that kind of money opportunity and not have the education to keep the money.

[@20thcenturyrelic]

It's hard to understand when you're very young that the money won't keep coming in forever.

[@Pje3ski]

I can’t comprehend how the people around me can spend like they do and be good with it.

[@s99614]

One of my grandfathers used to repair elevators in NYC. It was a good living even back then.

[@LEK-we2hh]

My father said same..... ohh when I was young was much better. Mom said he is lying 🙈🤣

[@Rollochrome]

Good example with the decoder ring

[@richdouglas2311]

When I was a kid in the '60s and '70s, no one we knew purchased anything, besides a house or car, on credit. If you wanted something, you saved for it. If you wanted something that might not be around for the long run--a unique item like a particular model of bicycle--you could put it on lay-away. That meant the merchant would set the item aside while you paid for it over time. You didn't get the item until it was paid for. I remember getting my first credit card (department store Jordan Marsh). But the line was so low--I was 19 and in the military--I couldn't get into too much trouble with it. And when I got a Sears card! Oh, my! I was walking on air. Now I walk around with about $100K of available credit IN MY WALLET. (Don't worry, I only use one card and pay it off each and EVERY month.) I could by a BMW or a small country with one signature. The times have changed.

[@Jsfrog]

I like that "pay yourself first" principle, wherein the first money out of your paycheck goes into your savings/retirement funds. Making that automatic is best, i.e. the money goes into your savings automatically without you having to do anything. In doing that, you never think about that money, it is never in your hands, and it's there in your funds or account to grow until retirement. And of course you can manage it if or as needed, but never take it out for anything other than retirement.

[@1hackmodeller557]

My wife and I live small, below our means, and drive older cars. But our wages are modest and haven't kept up with COL. I'll need to work part-time post age 65. Sadly, we have more money saved than most, according to stats that I see. And that's scary!!!

[@beth3535]

Im retired and will be 72 in the fall. I have a part time job. I work as I want, 10 to up to 20 hours a week. I enjoy it. My house is paid off as is my car. No debts. I have 1M+ in retirement savings. It’s smart to stay engaged and to bring in extra income. Those who don’t know that are kidding themselves.

[@Mexicobeanpole]

@@beth3535. When you’ve worked hard your whole life and followed and scheduled existence, it’s nice to have freedom to do your “wants.” Once money is no longer an issue, it’s nice to be able to do that.

[@beth3535]

@@Mexicobeanpole Of course. But working part time needn’t compromise on that.

[@1hackmodeller557]

​@islandhopper100That's not what I was referring to. The last sentence means it's scary that about 70% have even less saved, because we don't have a huge pile saved up!

[@jonathanfoster2263]

the only caveat to the degree is making sure you get a marketable skill with that expensive degree.

[@kwilliams2239]

Think ahead.

[@JBoy340a]

Great information. The only issue was most important thing was thrown in the last few seconds. "SS provides about 40% of the average retirees income". While this may be true, and is what the target percentage is, I know of too many people for whom SS is expected to be a much larger portion, all the way to 100%. And worse there are people currently working who plan to retire only on SSA income.

[@glensmith491]

I believe thar is 40% of their average income while working and is gross, not net. I know that my social security will be about 110% greater than my current net income.

[@rcf8367]

Good video for thought, at least you didn’t mention my old Chevy Impala with a torn seat! 🤣

[@rachelmolina3995]

I had a 1965 impala. No torn seat. I fell like I missed out.

[@BirdDogey1]

I'm retired from a tax agency. The vast majority of small business owners have no formal business education. This contributes to their failure. They might be good at what their business does. Running and growing a business is vastly different than being a technician in that business.

[@jimw8090]

Heck, I had Home Ec in the 80's, lol. Not from an afluent area.

[@reneb6702]

Same here

[@xlerb2286]

I think I've done fairly well at avoiding all those. It's popular to knock college these days but it's still a viable route for many people. Do your research, figure out what degrees are worth pursuing and which of those are of interest to you. And find schools that you can afford. Don't overlook state universities, especially for STEM fields. If you decide college isn't for you don't worry about it. It's one route, but far from the only route. It was a good option for me, I know that.

[@dforrest4503]

Correct. I think the thing people have learned (and should always have known), is that if you’re not sure about your path forward at 18 years old, going to college just as soon as etching to do can be an expensive mistake.

[@xlerb2286]

@@dforrest4503 Sure can. I've got a bachelor's I've never really used (I don't regret getting it but it did cost some $$$). What made me money is the master's in Comp Sci I got while I was in my early 30's.

[@mamzellilooo]

I really work hard to engage myself in someway of earning more income. My family are happy once again and can now afford anything for my family even with my Retirement.$57k weekly returns has been life changing, after so much struggles.

[@babytruca02]

wow this awesome 👏 I'm 37 and have been looking for ways to be successful, please how do I make such weekly??

[@mamzellilooo]

@@babytruca02Maria Angelina Alexander I really appreciate her efforts and transparency.

[@mamzellilooo]

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

[@mamzellilooo]

My outlook on money changed when I realized someone making $200K can retire broke & someone making $80K can retire a millionaire. With the current market movement.

[@KuramaUchiha-id1ow]

You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.

[@barbiec4312]

Nice change of background with the halo. ❤

[@Barbara-te7xz]

You went for the decoder ring? Most of the boys back then went for the x-Ray glasses.

[@Barbara-te7xz]

@islandhopper100 and he probably didn't have the same motives as the kids who went for the x-ray glasses.

[@peggyking9543]

​@@Barbara-te7xzHeehee!! 😅

[@mr.h5436]

Mr. Schmidt, Here's a video: generational poverty(or at least not financial success). Factors: Addiction-smoking and alcohol Wars- hard to get over and they keep coming Ethics- not investing in tobacco, booze, drugs, and weapons because you think they hurt people... :) Education- get down to that factory/coal mine/field! It was good enough for us. Perhaps there are more?

[@wt9653]

Since I retired back in December 2023. I went binge shopping on the solar power project. After 3 months, I spent around 5000 dollars. I get to write off 30% towards the Federal tax credit. Whew! The benefit of having self sustained solar power in my daily use is paying off. I use around 20 to 25 cents per day 😊 Big difference from 2.50 per day.

[@JBoy340a]

After solar my power bill went from $350/mo. average to about $10/mo. The $10 is the minimum payment.

[@thesearethefables]

📈To be a successful business owner and investor, you have to be emotionally neutral to winning and losing. Winning and losing are just part of the game. Risk comes from not knowing what you are doing.

[@castiglian]

Hi Geoff. Thank you for the videos. I do enjoy them especially since I retired at 59 1 year ago. Some of the credit for that certainly goes to KZbinrs like you giving me direction and confidence in my choices. I do want to suggest something...the glasses you are wearing in this video are distracting, the reflections keep interrupting what you are saying with a "what was that"! Get some of the Sarah Palen type of glasses with no reflection and add to our appreciation of your videos! Keep up the great work!

[@globalfamily8172]

I could pay off all my debt, but I usually earn more in investments. Most cards offer under market rates as balance transfers.

[@bobshaw8112]

The trades are paying well… plumbers and welders are making 6 figures..many people go to college and get a degree though no education. I have a degree and it’s helped me, and many others have been helped too. Colleges are “for profit” businesses who sell products like you said… especially ivy league colleges… they sell the concept of keeping up with the elites.. like actors.

[@darylefleming1191]

“He hath shewed thee, O man, what is good; and what doth the Lord require of thee, but to do justly, and to love mercy, and to walk humbly with thy God?” Micah 6:8

[@GillerHeston]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@joshbarney114]

I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of 880k within 16-months from an initially stagnant Portfolio.

[@FabioOdelega876]

@@joshbarney114 I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?

[@joshbarney114]

Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@FabioOdelega876]

Excellent share, just inputted Marisa Breton Dollard on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal.

[@Angelavaldess]

Sir this is an eye opener video and I would be retiring in 5 years 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 $90,000 per annum but nothing to show for it yet

[@Higuannn]

do well to search for dividend aristocrats and choose six to ten companies with over 25 years of dividend payments. Consider working with a financial advisor to build a strong portfolio.

[@hullbruce]

Speaking from personal experience, I would say engage professional guidance. Not sure where you get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.

[@Angelavaldess]

This wouldn't be the first time i am getting the suggestions to use one, but finding a decent one has been challenging. Do you mind leaving some recommendations?

[@Angelavaldess]

Thank you for this pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a calI session with her.

[@johnristheanswer]

The excitement of a forthcoming holiday often renders the actual holiday experience disappointmenting.

[@michaelcollins8316]

I have a concern about your statement number 1 on college degrees, I believe that what the degree is in is far more important than the degree itself. Currently there is a KZbin video of NYU students stating what their degree’s are in and it is scary because I couldn’t think of one career that fit these degrees. A degree is a means to an end, and if you can’t find the end what is that degree and expense worth. A trade school sends you to a definite end and the careers pay well. Side note I have a masters degree but my education was for a career and that was 55 years ago.

[@Beadgcfb]

Broke simply means you don't have any money. We've all been there. Poor is a state of mind.

[@stephendibari5010]

Spot on Re: credit cards. I've had too many years of carrying a cc balance, with impulse spending with no real budget. Very addictive. Finally using your Xcel spreadsheet you shared last year to keep tabs on my daily expenses instead of using a checking acct hand written ledger. Luckily and smartly I've always contributed to my TSP (401k), typically from 5 to 12% over the past 30 years. My employer, the Dept. of Defense matches the first 5%, so always contributed a total of 10 to 17%. I'm 3.5 to 4.5 yrs away from retirement and my goal is to retire with no cc debt/loans except for my mortgage.

[@edflaherty1887]

What astounds me is the cars that young people own. I often see a kid in their mid 20's driving a BMW or a Mercedes . They are probably up to their eyeballs in debt as they are trading away their future for the present. It's the idea if I can make the monthly payment then all is good. Most of these kids are not in a financial situation where they can afford it. Another one is the tricked up pickup trucks that are worth $50.000 or more. Again, most of the kids are in a downward financial spiral with this. Where will these folks be when they reach retirement age. Probably broke with no money saved and living on Social Security only.

[@dipaknadkarni62]

Thanks as always. Prayers for President Trump and his family at this difficult time. Prayers also to those in the audience who were killed or injured. Let’s come together. No time for adverse comments. We are the USA.

[@krissimons1339]

Did you forget that he tried to use violence to overturn a valid election? If so you are a hypocrite!

[@stevejohnson2108]

Someone with a college degree in the marketable fields does earn a lot more. However, not all degrees are created equal.

[@laura-yu3kh]

Great background but the length of the video and the actual time (as recorded on the clock) lapse is a distraction.

[@mitchburk5112]

Not all college degrees have equal earning capacity. Saying a degree improves your income by 70% is overlooking that fact. Some are barn burners and others drag you down. Unfortunately the big earning degrees are the hardest to get.

[@markbajek2541]

You can say that again, I was walking past of few people drinking out side of a bar lamenting how their degree in Geography got them absolutely nowhere. And they all had factory jobs earning $18-20 an hour....

[@mr.h5436]

I disagree. It's the student(which means it's the parents). Any degree means perseverance. At the same time learning social skills = a huge factor in business. I read a study in which students who were accepted to Harvard but went to local state schools were found to earn as much as the Harvard students. They have a long life in front of them, a few years working modest jobs while in college earning a questionable degree doesn't hurt as much as we think and may make them more interesting.

[@Mexicobeanpole]

My 50 year old sister complains that she got 2 sons through college with no college debt, and neither one is working in their chosen field. One is working as a bartender. It seems I had better financial success than them with no college degree. I wonder why that is?

[@mr.h5436]

@@Mexicobeanpole Ask them. They might appreciate an uncle listening.

[@mr.h5436]

So the rich think they can make a fool of me? Ha! I'm the DIY type.

[@FreemanJameZ]

The level of inefficiency and corruption in this administration is becoming absurd. Those who are disabled and do not receive the support to which they are legally entitled make me sad. I sincerely thank you, Leah Foster Alderman. Imagine making $6k in four days with an investment of $1.5k.

[@CoreyLloydo]

That woman transformed my entire life for the better. Among the folks I've met, Leah appears to be the most trustworthy. I'm surprised you know her as well.

[@DanaLuvsNature]

We live well below our means on only $2200 a month. Ages 60 & 67. Eliminating bills is key. No water, health, or homeowners insurance. Half the year we don't pay to power our car or home due to Solar. We bought a dumpy off-grid home for 90k & remodeled it ourselves. Prop tax comes to only $95 a mo. averaged. 1/5 of our food is grown/raised in our backyard. Home value: $200k? (low for California) Donate 7% & volunteer weekly. Butcher meat chickens, our other hens are pets. Us hobby farmers meetup to exchange our wares. Facebook is very handy for this purpose. We save around $200+ a mo. on food. Modest home is nice, car is nice, we wear nice clothes from thrift shop(s). No one suspects we live on so little. Retirement Savings: 80k

[@DanaLuvsNature]

@islandhopper100 I tried to think up any catastrophe to head it off. I held a min wage job for 12 yrs in my 20's (Born with eye issues, job requirements changed) My medical is 100% free after a $15 a mo. premium. If we get in dire straights, Medicaid would cover my $15 premium and his $175 Part B. So far, we are left with $1700 after Part B is taken out. Homeowners insurance is not available when you live off-grid though my neighbors are on-grid. Wildfires is our #1 threat. Our Roof is new, it's metal. Trees?Brush is removed surrounding the house. We lived in our older RV while remodeling the home so I guess history could repeat itself. It wouldn't be too bad, there is an outdoor kitchen and outdoor bath/shower all made of corrugated metal so it would stand in a fire. It's nicer to cook outside, we just hose off the kitchen and it keeps the inside from heating up. The outdoor bathroom is nice too. I planned for wildfire so would have to live in our RV on the property I guess. That wouldn't be ideal but it is possible.

[@DanaLuvsNature]

​@islandhopper100 Hopefully I've thought of most everything but any ideas I appreciate, thanks. Ponds surround our property w/a home DIY sprinkler system & metal roof. Fire is the #1 threat. An outdoor kitchen keeps the house cool, it's made of metal & brick. Same with the outdoor bath/shower. Easy to prep meals then hose it down. I worked a min wage job for 13 yrs (born w/eye disabilities so I have poor eyesight) which provided excellent health benefits turning 60 for $15 a mo. We have no out of pocket costs. Live off of $2200 a mo. *after* Part B is removed. Drive if needed but chose not to upon failing the test. He's on a breathing assist device at night (BPAP) it's scary. Home is off-grid so homeowners ins. is not available. Trees/brush surrounding the house removed. Newer E-Car. Drive an old pick up in snowy winter, about 2 months a yr, only on Sundays for 1 hour. E-Bike a lot. Year round creek + 2 springs into our house w/a tiny pond in the fenced back yard. It was $25k for our current car. Oh, and 20k cash in a hidden safe inside. He adds to that most months. House was a shell w/only electric & plumbing & walls so all is new, incl. the Mini-split ac/heat (but we have an extra one too). I wish we had a wood stove but he didn't want it since he has breathing issues. Our dog keeps bears away. I guess we'd live in our older RV if the house was destroyed, using the outdoor kitchen/bath on the property. A pain but do-able. I watch Little House on the Prairie then truly realize how blessed we are, even in that dire circumstance. 12 min to our wonderful bible church, a mom & pop health food store, a gas/mini mart, two community centers each about 12 min away (opposite directions) offering activities incl. volunteering, a library, school, 2 cafes, a park, 2 rivers, 2 lakes, nursery/feed store, & fire dept. 30 min drive to a town of 18k population. This is where our dentist, doctor & our son is located

[@Steve-gx9ot]

Do you Still have your MAGNIFICENT DECODER RING, RALPHIE?? Ovaltine commercial. You exclaimed s of a b+!❤😮

[@jamesvincent2810]

are you getting paid to wear under armor shirts

[@Jacquie_Kirk_111]

I'm glad he does. My pension fund owns shares in it, LoL

[@Jeff-p5i2w]

While this information is certainty True and informative.looking at the comments it seems none of this people faced any adversity in life. Loosing a job ,business,sickness Or dozen other problems . What was someones income? Did you have the perverbable 2 kinds in college?I did! Dad I need money for this or that .tell me your not going sent money to your 19 year old daughter.

[@markbajek2541]

Do you still have that "Willie Mays 1952" card that came with the decoder ring offer?

[@mattfoster2021]

I like my new gas-powered truck. Don't tell me what I need. This retirement specialized (Schmidt) owns a new Tesla. Musk & I (stockholder) are happy.

[@honesty5964]

No new information

[@peggyking9543]

Well, honestly honesty, we need a pep talk to help us get through the uncertain times in the world around us or our personal situations. Geoff is very calming. Probably a great Dad. ☺️

[@Fr1ti4e88]

Usury is a sin

[@Abraham.Lincoln22]

70% more income with a college degree? Don’t promote the big lie.

[@HolySchmidt]

Of this I’m sure - read my book on this subject: The Busy Adult's Guide to Making College Happen!: The Step-by-Step Guide to Finding the Time, Money and Motivation to Complete Your C... a.co/d/iceXqMT

[@jaketaber8553]

But would the same individuals have made less money if they hadn’t gone to college? I mean the ambition to go to college could cause similar success without college. And we can clearly see specific individuals who make less money because of going to college.

[@JBoy340a]

A lot depends on what your degree is in. Professional degrees (medicine, law, nursing, etc.), STEM degrees (engineering, computer science, etc.) do. Others may not be as certain. And always check the earning potential of your program before signing up.

[@davelively7423]

@@jaketaber8553 Depends on the degree and when you got it. I graduated with a BSEE in the 80s and engineering has been a great career. I would have been lucky to make half as much over my lifetime without going to college. Truth is it doesn't take that much ambition to get a 4 year degree, or a 4.5 to 5 year degree for most engineering students. When a big deadline was coming up there were the occasional 60+ hour work weeks but they were the exception. When I hear entrepreneurs or small business owners talk about how much they work there is no way I would have ever put in that many hours, I am just not that ambitious. Not to mention the stress of running your own business. College is not for everyone, especially given how very expensive it has become. But neither is starting your own company or learning a trade.

[@mr.h5436]

@@jaketaber8553 It doesn't hurt. Making them more flexible in their working life and more interesting socially.

[@kensnedegar5925]

Joe Biden and Democrats in office yes you will retire poor

[@mr.h5436]

Because 4 years of 1 guy crashed 40 years of work and saving? What a maroon.

[@virginashaffer172]

My stock portfolio was red for 8 years of Obama too! Life was profitable with Trump…

[@mr.h5436]

@@virginashaffer172 stocks crashed in 2008, been going up ever since. No one believes you.

[@Jeff-p5i2w]

At least Biden didn't steal from his contractors.

[@Steve-gx9ot]

Do you Still have your MAGNIFICENT DECODER RING, RALPHIE?? Ovaltine commercial. You exclaimed s of a b+!❤😮