Average Net Worth Of Retirees

[@laxgani]

Appreciate all your retirement advice. Uh, could you scoot that lamp behind you a little further to the left? It’s about to fall off the console. 😅

[@keepingitreal618]

It’s fine it has a bulky shade.

[@jonathanschwartz8]

@@keepingitreal618Your comment speaks volumes.

[@observerone6727]

I immediately noticed the same thing 😅

[@geminiecricket4798]

Only see the lamp about to fall 😮 can hear a thing😂

[@billykellum]

LOL!

[@Resmith18S]

450k in savings with your house paid off and you still panic? I'm thinking of retiring next Spring when I hit 59. I've got approx $500K in investment accounts (403B, Traditional IRA, Roth IRA). My part-time job in SC annually is about $50K. I've got rental property that adds about $40K to that income on my 1040. I have no debt. do you have any reason to panic ? Absolutely not!!!!!!!!!!!!!!!!

[@wealthychronicle-i1u]

Well all i know is that you cannot go wrong taking profit at near high. No one ever went broke taking a 10% loss. It's best if you consult with a fiduciary advisor to get informed buying & selling decisions..

[@Petroguest-i4g]

You're right, I and a few Neighbors in Bel-Air Area work with an advisor who prefers we DCA across other prospective sectors. Instead of a lump sum purchase, Following this, my portfolio grew by close to 30% in the last quarter.

[@Greg-n5r8o]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Petroguest-i4g]

I’m cautious about giving specific recommendations as everyone's situation varies. You may consider independent financial advisors like 'Melissa Elise Robinson " I've worked with her for over 4 years now and I'd gladly commend her exemplary service on a public post.

[@Countstep0099]

glad to have stumbled upon this, curiously inputted her on the web, easily spotted her consulting page and was able to schedule a call session. Ive seen commentary about advisers but not this phenomenal

[@Jeffery-f2e]

So far I'm doing good, approaching retirement with about 800k in savings. Transitioning from building wealth to spending can be scary, especially with soaring inflation. My question is, after maxing out my tax-advantaged retirement accounts, what next?

[@Jordan8568-l4u]

In my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a financial advisor

[@Robinson-k2s]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@Fred-w7t]

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

[@Robinson-k2s]

I work with Stacy Lynn Staples as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@smileystevie9662]

Great retirement data. Thanks, Azul.

[@Patriciabanks5]

I am 53 and retired at 50. 1 thing I did do to retire early was to get out of the 401K and IRA programs. Bought rental real-estate and I am now a Limited Partner in about 1500+ units from collabrative efforts in the fund my estate planner has me invested in. I do not work.

[@monicawill5]

I only contribute 5% to get full company match, that’s it. The 401K plan is designed for you to work until you are about dead. Also, the government does not have their hands on it yet either.

[@Johnlarry12]

My wife and I live off of our 401K. We don't work. I recommend highly to everyone to build your 401K or Roth IRA's as an alternate revenue stream in retirement to your Social Security. An observation on 401K's is when it gets over 300K it starts to accelerate. When you get over 500K it can really accelerate as the stock market grows.

[@frankbarnes22]

If I may ask, as in withdrew all of the money from the 401K and IRA programs? If so, what was your strategy behind that decision? Thank you.

[@Johnlarry12]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@frankbarnes22]

Excellent share, thank you! just copied and pasted her full name on my browser, at once came across her site and skimmed through credentials, she looks very distinguished

[@geminiecricket4798]

Baby Boomer here. 3% group. Count on the car needing 10k in repairs when you least expect. The roof is needing to be replaced at 18 k. A//C needed to be tuned up at 8K and new prescription glasses…..my first year all alone in retirement. Glad to have saved more than I was told to save! I was in cold shaking fear this entire year even though I afforded it easily but I felt like I was bleeding . House and car are paid for so repairing is the only option. House insurance and taxes paid and now income tax season approaching. Expenses are never ending. Save more is my advice! 2024 was brutal. Happy New Year 🥂everybody 🎉

[@JBoy340a]

Not sure that home equity should be counted in this net worth calculation. You have to live somewhere.

[@bruced.370]

Reverse mortgage

[@RyanBerich-u1w]

Thank you for focusing on what you should be saving instead of how much the average mean or median is saving. I think the better formula would be based on your spending not your earnings. I also don’t understand the logic of focusing on retirement versus total savings. Any savings should be included unless you intend to use it for a specific purpose other than living expenses later in life.

[@tammy9964]

I am already in retirement. My husband and I have 5 streams of income each month,and some money in an ira. We have no debt, both in our mid to late 60s. I pray it’s sustainable. Thank you for your input.

[@csick11]

How are you enjoying your retirement

[@tammy9964]

@@csick11 It’s bittersweet. I miss the income, but I don’t miss the job. I love my freedom more than anything.

[@csick11]

@tammy9964 good answer. I hate my job. I work in Corrections. I been contributing 35 percent into my 401 and maxing out my roth ira. I plan pn retiring by 55. Currently I'm making 110k

[@tammy9964]

@ Do you work for state government in Corrections. I worked for the Commonwealth for over 25 years. Health Department. We use to have to treat people from prisons. Good luck.

[@danmeissler4626]

I think my main concern with this video is that Azul’s lamp is about to fall off the table behind him.

[@AzulWells]

That’s true! I was trying to balance everything left/right on the screen. I thought “oh, nobody will notice the lamp’s base is off the dresser”. You proved me wrong Dan … 😎 Very observant … 🧐 Azul

[@ziptiefighter]

This is the comment I had to scroll for. Good thing there wasn't a happy Lab in the vicinity. Haha

[@JamesOrth-o1v]

As I aged I paid off my house and became debt free. So I need very little to pay my bills. I'm wondering how many people do this same thing because generating large incomes in retirement seems more difficult.

[@jeffDwyer1]

I plan to retire at the end of 2025 at 62 after 36 years in Telecom as a sales engineer. My wife will retire in May 2026 and she's loving life! But walking away from a good income stream and building the nest egg to living from the nest egg is a scary proposition couple with the alarming recession and CPI report

[@wmwoods-l4f]

I feel your pain mate, as a fellow retiree, I'd suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $80k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@Derekhoffman312]

My advice: for newbies to grow financially this year, invest. Saving is good, but investing elevates your finances. Why newbie make huge losses on trade is because investing without proper guidance can lead to mistakes and losses. that will stop you from trading, this has been one of the biggest problem to new traders, I've learned this from my own experience

[@CindyValenti]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@Derekhoffman312]

Annette Christine Conte is the advisr I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

[@CindyValenti]

Thank you for this Pointer. It was to find her handler, She seems very proficient and flexible. I booked a call session with her.

[@vinyl1Earthlink]

Many studies disregard non-retirement accounts. However, having a couple million $$ in a brokerage account is very useful when you're retired. Since you need a place to live, I wouldn't count home equity. A house is a use asset, and does not provide income.

[@RyanBerich-u1w]

A house can be an excellent asset for retirement. I intend to use mine to cover the cost of admission to an independent living community. Until then, it will provide rent free housing.

[@solracer66]

That’s the situation I’m in, I have 6 or 7 times as much in my brokerage account as my retirement account. The downside of that however is that often wealth taxes will not apply to retirement accounts but will apply to brokerage accounts. This will severely limit my ability to pull money out of my more risky brokerage investments and transfer it to a less risky retirement investment.

[@JBoy340a]

Exactly. It is silly to have too much in dedicated retirement accounts when you could have it invested in stocks, bonds, etc., that would earn a lot more.

[@RyanBerich-u1w]

@@JBoy340a J Boy, what limitation do you see in investing in stocks while in a retirement account. While there are limitations on a company 401(k), once you roll it into a IRA, your options are nearly limitless as I see them.

[@CoolestGuyInTheRoom]

I’m sure the percentage of folks getting a pension and social security is skewed at age 75+. Whereas, few to none are receiving a pension younger than 65.

[@jerryrichardson2799]

Correct, alas.

[@bruced.370]

Govt employees....Go DOGE!!🎉

[@Aldo-d6z]

Not every pension is a government pension. Worked for a local electric utility company and receive a $72K pension a year. Maxed SSA at 66 1/2 a year ago. Little over $116K total. Was able to max out a self funded 401K that’s just over 7 figures. Pension and SS alone more than covers expenses. Even the young new people are still getting pensions at the job. Also get lifetime medical benefits from the company. My will still get them if I pass first.

[@brianmcg321]

But they get social security.

[@JBoy340a]

Even at 75 it is questionable if you have a pension. Unless you worked for the Government somewhere

[@Michaelparker12]

I had initially planned to retire at 62, work part-time, and save money, but the impact of high prices on various goods and services has significantly disrupted my retirement plan. I'm worried about whether those who experienced the 2008 financial crisis had it easier than I currently am. The volatility of the stock market is a concern as my income has decreased, and I fear that I won't be able to contribute as much as before, potentially jeopardizing my retirement savings.

[@berniceburgos-]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@Grace.h-t8o]

This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.

[@Agatha.wayne0]

That's an intriguing outcome. How can I contact your Asset manager?

[@Grace.h-t8o]

I work with Stacy Lynn Staples as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@Thompson-e7h]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@kenvalenti5414]

My divorce left me bankrupt - so I feared making money and I feared owning assets and feared having money in the bank. Assets attract lawyers and the more you make the more they cost. I retired at 57 with $200,000. I'm now 65 and have $100,000. I live in a mobile home and the only activity I do is camping and hiking with my dog in my van. I went 15 years with no health insurance and no home owners/renters insurance. Chose to eat healthy and exercise instead. Got medicare and am hoping to postpone social security as long as possible.

[@jonathanschwartz8]

Azul, for reference, we just retired at 69 and 62. Contrary to the average, our routine monthly spending stayed the same or maybe slightly higher. That’s what happens when you have two self employed work at home individuals. Practically nothing changed. Of course, we’re the exception.

[@lichin11]

Please move that lamp to the left before it falls off the table.

[@Mlanderos-t9e]

Nobody is asking the right questions. I'm worried about retirement and want to maximize my savings. I've tried various investments that didn't work out as I hoped, and now I'm unsure whether to invest in the stock market or index. However, I keep seeing good news about the stock market. Any recommendations would be appreciated.

[@tanyabischoff]

The current market gives opportunities to maximize profit, but in order to execute such effective transactions, you must be a pro or work with an investment advisor.

[@Anessa-gibson]

The truth is, the role of an investment advisor can often be overlooked but should never be underestimated. After facing a significant portfolio loss in 2020 during the COVID pandemic while trying to manage my investments on my own, I decided to reach out to an investment advisor. At that time, I had about $126K left in my portfolio. Now, without having to lift a finger, I'm semi-retired, working only 7.5 hours a week, and I'm just 15% short of my $1 million retirement goal thanks to my subsequent investments.

[@Raniyanhunter]

This is incredible. Could you recommend who you work with? I really could use some help at this moment.

[@Anessa-gibson]

My CFA is Laurel Ann Watkins, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@Raniyanhunter]

Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@utmostpotential-stephaniem5125]

Azul, have a question. Why do you only look at savings in retirement accounts? We have savings and CDs in a brokerage account, which in my mind is all saving for retirement?

[@Claudia-ry3bt]

Gr8 lamp. Where did you buy it? Gr8 info too.

[@280zone]

Azul, getting very confusing... at 1:40 you said "saving 80% of your salary when you are retired" . I think you meant "Spending not saving".

[@irenabe973]

Excellent analysis. Thank you!

[@mencken8]

Glad the spending part was considered. Given my chosen profession, Fidelity’s proposed “savings by age” part is laughable. Now that it’s all behind me, it’s clear that my having a comfortable retirement was due to two factors, and I am disregarding savings and investments for this discussion: 1) A monthly income from a public retirement annuity in a state that pays very well, and 2) I have no expensive pastimes and zero debt. {NB: My retirement benefit includes complete Medicare supplement health insurance at minimal cost to me.}

[@joefunk76]

These statistics are close to useless. How much someone has in retirement accounts tells you little about their net worth. For example, one person could have $1m in retirement accounts and nothing else. OTOH, someone else could have nothing in retirement accounts and $10m outside such accounts. But this study will count the second guy as broke while he’s 10x as rich as the other guy. Total NW must be taken into account for a valid study. Case in point, this study says that only 0.1% of American households have >$5m in retirement accounts while something like 5% of American households have >$5m of net worth. 😮

[@bleedingonthehomestead6643]

Azulare defined benefits like SS or a pension part of your networth. Calculate with the 4% rules. If you get 20k in SS benefits is like an additional 500k of networth.

[@mikephilpot9857]

I have found net worth calculations to be pretty much worthless now that I am retired. The only things I care about now are how much income my assets can support over my and my wife’s unknown retirement horizon, how much of that income is guaranteed either contractually (pension/annuity) or by the government and if that income can support all expenses and/or debt. I’ve never once found any actionable use from a net worth calculation in retirement. IMHO net worth calculations are only useful for making people feel good or bad that they fit into some statistical grouping. And even then it’s almost always an apples to oranges comparison. Hope do you CC calculate the true net worth of someone with a pension vs someone that does not. Or what if someone doesn’t have social security or a pension and the other person has slightly larger retirement savings?

[@f430ferrari5]

Future income streams are part of net worth. So pensions and social security should be counted. The only reason why net worth calculations are worthless is because many don’t include these income streams. Even passive rental income counts but this isn’t necessarily guaranteed.

[@mikephilpot9857]

@ Agreed. And this is my point. Different people have different methods for calculating net worth and this quickly becomes an apples to oranges comparison. And then even if everyone could agree on the method for calculating net worth, its value is not really useful for much other than bragging rights. What matters is the income your assets can support, how sustainable that income is and to set that against your expenses and debt. In four decades of investing/saving through accumulation and now in retirement, I have never once found a use for net worth. 🫤 So, I’ve pretty much quit calculating net worth. And I could care less about anyone else’s net worth. Someone else’s net worth has zero bearing on what I need for my own retirement. And my net worth is meaningless to me or anyone else. 😜

[@JetFire9]

Uh, net worth tells you how much money you have to allocate based on liquidating assets you might not need, like a house. If you have $500K in equity tied up in a house with high repair, maintenance, and utility expenses, you could liquidate and pay for 15 years+ in a nice rental that costs around $3K/month, but doesn't have the repair and maintenance expenses, and much lower utilities. Net worth is a way to look at all the chips you have on the table, and should never be ignored.

[@lesterbeals1443]

No mention of couples. If you're married and between the two of you, you make 160k, that automatically translates to 1.6 million? Remember the "two can live as cheaply as one"? Probably not technicially true but there is an advantage...

[@throwaway395]

Is it gross salary or net salary times X ?

[@Scott-xf5xb]

Determine what your expenses will be. How much do you need each year? Take that number and multiply it by 20. That is how much you need to retire. If you need 60K a year then you should have at least 1.2M (without SS). Cold hard reality folks. Now if social security provides 30K a year and you only need 30K from your investments then the number you need is 600K.

[@vicz8899]

Multiply by 25 or 30, especially if before age 55.

[@mattbleiler7294]

How do they calculate the averages for people with a negative net worth? Is it a 0 or the actual negative number? I would like to see the averages after you take out the top and bottom 1%.

[@tatianastarcic]

I retired with $600k saved, and looking back, I realize I could’ve done things differently. Not saving enough, plus the impact of inflation and sequence of returns risk, makes me worry about outliving my savings, and it’s not something I can easily ignore. Not saying it’s the only way to go, but it’s something I think about

[@JacobsErick-u8r]

I'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from index funds or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $5 million

[@winifred-k9e]

Yeah, always good to plan for retirement when young. We all think we don’t have to worry about it until later but the fact is, the earlier you learn about financial literacy the better you can plan for it. With amount of savings, you could probably try different side projects to generate some extra income to stash more cash.

[@mydressmemos]

Congratulations! Saving and investing $5m by retirement is my financial goal. Since I started young, I have a lot more options to get there. Financial advisor might be something I will look at later in life but mainly to figure out how to pay my fair share of taxes without overpaying. The tax code is written for business owners, the more savvy you are, the more you can save. That’s the part that is more complex to me. Maybe even need an estate lawyer if you are in the millions range already to ensure I am building and passing generational wealth.

[@LUCIASMITH-d1z]

I'm worried about my retirement portfolio and could use some guidance. How can I get in touch with your advisor?

[@mydressmemos]

Melissa Terri Swayne is the licensed advisor I use. Just research the name. You’ll find necessary details to work with to set up an appointment.

[@craigmaberly8561]

Money is great but health is more important remember that the average pension is only paid out for 8 years.

[@SunRise-ul7ko]

Whatever the average net worth of an American in retirement. Just triple that amount in Australia to have the same life style. Reasons 1) No government pension in retirement for people with assets. 2) ridiculously high taxes on everything. 3) Everything costs more. 4) House prices are at least double, small & of poor quality.

[@richardross3172]

Why do people factor in their home as net worth? What are you going to do, sell it and live in a cardboard box? Come on!

[@RyanBerich-u1w]

Sell it and move into a retirement community funded by the sale of the house.

[@jbgin5990]

Or rent something smaller, travel or buy an rv.

[@ristretto3896]

So if I own $10M in real estate and $10000 cash, my networth is $10000?

[@timjones8295]

Reverse mortgage

[@brianmcg321]

That’s the definition of net worth. You don’t get to change the definition of words just to suit you.

[@elibennett6168]

When you say that someone should have saved X much, are you including all retirement sources, such as pension and social security, not just retirement accounts?

[@timjones8295]

They core step is understanding expense to income stream ratio.

[@jamesg5426]

I am a UK citizen. Do you think your net worth bands still work for someone outside the USA?

[@mrbigcat9]

Is that after tax or before taxes e.g. 401K etc.?

[@Oxnaf]

not surprisingly ( since Fidelity suggested them ), those goals are too low for low income people, and too high for high income people. general rules mean nothing-- you have to do the math yourself.

[@bryanachee7133]

Exactly. Many high earners such as medical professionals didn’t start earning anything until late in life.

[@marktapley7571]

If I understand correctly, this net worth of 65-74 of 410,000 includes house equity. This is a precarious situation to be in because even if this figure were all liquid assets it means that using the 4% rule they would only have a draw down rate of 16,000 dollars to supplement socialist insecurity. If this calculation includes property then of course they have even less principle to throw off income. Considering that living costs have gone up I figure ap. 30-35% since 2019-20 then the big majority of Americans are falling farther behind every year.

[@CoolestGuyInTheRoom]

4% withdrawal based on liquid assets, doesn’t include home equity or home value. If you foolishly spend all your assets and living on measly SS then you are candidate to discuss for education purposes what a reverse mortgage is and the negative tradeoffs. Then again, these negative tradeoffs may be worthwhile to ensure quality of life, expenses in later years. Kids get zero.

[@JBoy340a]

Yes. This is the reason home equity should not be counted in your assets.

[@dianediliberto1876]

Thank you.

[@kauaiboy5o]

Mmmm, as far as your IRA account is concerned, you and the government are joint owners. Whenever you make a distribution, the government gets a cut.😆

[@Lion_McLionhead]

The AI art with lamps not about to fall off a table cost a few thou extra.

[@AzulWells]

That’s funny! … 😆 Azul

[@michellejennings3232]

It appears that the chart shows family retirement savings. It would be helpful to find similar comparisons for single people. Accumulating funds with two people paying the mortgage can look much different than single people and single parents. Top 3% of retirees??? Again, are they talking about family savings, or the savings of individual people?

[@greenlight6913]

I feel broke but have a net worth of 4.2 million. Worked for the last 45 years and still worried about ends meat!!! What's wrong with me.......

[@katec4096]

Nothing wrong with you. How much you have is only part of the equation. How much you spend is just as important.

[@milktop1]

You skipped English

[@katec4096]

@@milktop1 You skipped learning manners.

[@pensacola321]

Lame...

[@robertlewis3116]

A lot.

[@Omen-id6xg]

Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $12,000 and got my payout of m $270,500 every months,God bless Ms Evelyn Vera🇺🇸..

[@nonlocalise]

...be carefull.... your lamp might fall...

[@jamesgerboc]

Can you please speak to nest egg safety going forward. There are channels suggesting the possibility of Trump causing a major economic disaster in the next 1-2 years. With Japan, China and Germany economies in trouble, and our national debt printing money like a drunken sailor, how can we protect a major loss?

[@davidwindham5804]

You must be listening to MSNBC. You really think Trump is going to hurt the economy? Let’s give it a couple years. I believe we will be just fine. I do agree, we have spent wayyyy too much over the past 4 years. Need to apply the brakes.

[@jamesgerboc]

@davidwindham5804 I listen to many things. It doesn't take MSNBC to report on broad tariffs and other silly ideas. He has not exactly surrounded himself with competence. Loyalty is instead the new qualification most sought. In a world economy we can't afford to go at it alone, which is what he has prescribed. I am a replublican, but not in fact or of someone who doesn't care for facts.

[@lynetteledoux2845]

@@jamesgerbocmost surround themselves with “Yes” people … it is not limited to Trump, Biden had it going on too; it’s also in corporate America and down the street in all our neighborhoods.

[@keepingitreal618]

Ah a woke lefty

[@jamesgerboc]

@lynetteledoux2845 Not appointments that are a joke. Incompetence puts our way of life at risk. I don't care what private companies do. It's like a bad reality show. Like Biden or not, he was surrounded by competent people.

[@cphipps1969]

Median is usually a lot more informative than average. The average net worth of 399 penniless people & Elon Musk is still $1 billion dollars, while the median net worth is $0.00

[@famicomnintendo]

Average is for losers, median is for hopeless losers, I want to compete with the 0,1% but wanna beat them while I'm laying in bed, while they have to actually get up and do something, talk to people and get attention from mass media. Forget that, if I have to leave my bed to earn, it is worth 0. I will be wealthy just by sheer willpower and stay anonymous

[@joefunk76]

Average in your example is $2.5 million, not $1 billion.

[@pensacola321]

Meaningless info.

[@joemay7704]

Go away!

[@cuz129]

So glad I'm not average.

[@IbrahimKone-ix4qi]

!!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated

[@JoseLopez-lf9rw]

As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@YevaSonia]

I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.

[@JoseLopez-lf9rw]

I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work.. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.

[@YevaSonia]

Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..

[@IbrahimKone-ix4qi]

how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?

[@PJ-qf9qr]

Okay, I'll say it: most Americans are in dire straits financially. Retirement is going to be sad and ugly for most Americans.

[@oscarwindham6016]

Keep in mind when listening to this "financial advisor" that he is on the public record as stating that we have a national debt that does not exist.

[@swtexan6502]

Also, keep in mind when reading comments from this commenter, that he is ranting about an issue that's not even brought up in the current video. i.e. he's a troll.

[@oscarwindham6016]

@@swtexan6502 You keep defending your friend instead of encouraging him to right the wrong that he has committed. As for me being a "troll", I don't really know what the word means in the context that you are using it, but I'm probably not a troll. As far as your friend's statement about our having a national debt that does not exist, not being the subject discussed, it most certainly is on an unspoken basis since he is presenting himself as a "FINANCIAL ADVISOR" who is unaware that we do not have a real national debt which brings into question his financial expertise.

[@glasshalffull2930]

How about give us a citation?

[@RyanBerich-u1w]

You are a troll by the definition of someone who provides no value to the conversation but attempts to be disruptive. I don’t recall a time when this financial advisor focused on the national debt and therefore your constant bringing it up is trolling. Your opinions about the national debt are grossly inaccurate and amusing at best. I would have a lower opinion of this financial advisor or any advisor if he ever stated an opinion in agreement with yours. If you ever find a forum where anyone agrees with your opinion, let us know. I would be interested in hearing your fringe opinions from someone qualified to articulate them.

[@swtexan6502]

@@oscarwindham6016 Feel free to question what you feel that you need to question. I've never met Azul, but I do enjoy listening to his information as I'm retiring next year. I've seen the national debt calculator.... seems that we do indeed have a national debt. Are you going to go off on another tangent and explain that he's a fraud because he believes that the earth is round?

[@anishsekh3359]

*I really appreciate your clear and simple breakdown on financial pitfalls! I lost so much money on stook market but now making around $18k to $21k every week trading different stocks and cryptos*

[@Tiahorton-u5s]

You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires

[@สงวนจันทเนตร]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them. People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

[@petyquekuia6896]

You are so correct! Save, invest and spend for necessities and a few small luxuries relatives to one's total assets ratio.

[@anishsekh3359]

Waking up every 14th of each month to $21,000 it’s a blessing to I and my family… Big gratitude to Josh Olfert🙌

[@YogeshSharma-um4zx]

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God