How to Create a 1 Million Dollar ROTH IRA - Part 1

[@MarkJKohler]

For everyone out there who thinks what I am saying is crazy or impossible, I made a second video (part 2) just for YOU! It provides further detail and examples on how to reach that 1 million dollar ROTH IRA! Here is the link to part 2: kzbin.info/www/bejne/mJm6mZajitelr68

[@BBones-w3y]

How can you put 20K per year in a Roth when the contribution limit is less than 1/3? Also, the million at age 20 now is lot of money in comparison to million when you turn 67. It would be worth something like 400K - assuming 2% inflation.

[@B-H76]

Mark, what is the link to the video of the "paradise " option with the HSA?

[@pennylane36]

You only get a tax deduction for investment in a 401k if your gross income is under a certain amount, and then it's only about $100 for every $1000 invested.

[@B-H76]

Where is the video on the HSA?

[@NarviousWolf]

I have an acorns account and I have a Roth IRA in it will it work the same way?

[@-Pamela]

At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.

[@Gladys_smith]

Most people simply enter the foreign exchange market without comprehending matters like this. The first stage in building money is determining your goals and risk tolerance, which you may do on your own or with the assistance of a financial counselor who works with a verified Finance agency. And also you can learn the facts about saving and investing and create a clear plan, you should be able to acquire financial security over time and enjoy the benefits of income management..

[@Hoffmanluiz.]

That is why I work with John Desmond Heppolette, who introduced me to a better Financial community, a verified agency where I learned how money works and how to create it, as well as free books, courses, and daily lectures. You also get to meet new people, which was the best decision I ever made.

[@alfred5123]

You’re right! Working with a financial advisor who has worked in a solid financial firm for a long time, such as John D. Heppolette, will actually set you up for success in life. I'm delighted I was able to reach out to him earlier this year because while others were grumbling about the downturn in the markets due to the state of the economy, I was busy learning from him and eventually made over seven figures in the first quarter alone, which is why it's always good to join the correct community.

[@Barbara0015]

That's great, your financial advisor must be really good, I have seen testimonies of people using the help of financial advisors in making them more financially stable. I just discovered his exceptional resume when I made a Googled search of his names. I consider it a blessing that I discover this comment area!

[@andymarion]

It amazes me greatly how I go from living an average lifestyle to making over £63k monthly, utter shock is the word. I've learned a lot in the past few years to doubt that there are plenty of opportunities abound in the financial markets; the only thing is know where to focus.. Thanks to John Desmond Heppolette.

[@Riggsnic_co]

I might have missed this but another big advantage to Roth IRAs is they do not have Required Minimum Distributions (RMDs). This gives you better control over how much money you must withdraw (heavy liquid) and declare as taxable income, after age 72. For anyone with a large traditional IRA, they might end up in a higher tax bracket when RMDs kick in. I've heard it called a Tax Bomb.

[@TheJackCain-84]

For the average person, the strategies are fairly demanding. In actuality, most professionals who have the necessary abilities and knowledge to complete such occupations do so successfully.

[@martingiavarini]

Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $800K within a short time

[@martingiavarini]

Another advantage of ROTH is that investing post-tax dollars vs pre-tax dollars means you are investing more. People tend to spend the money that isn't invested, so this forces more investment.

[@bob.weaver72]

"means you are investing more" that is the fallacy if you can invest more you can do it in either. In the Roth if you invest 100 you need the extra to pay the taxes that year (i.e. 120), meaning you can invest more in the pre-tax (120).

[@TheJackCain-84]

When ‘Carol Vivian Constable’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@ClementRusso2]

Choosing a Roth IRA is advantageous as it uses after-tax funds and allows tax-free growth. When I retired, I had $1M million saved, and I won't be taxed on my withdrawals.

[@AlexanderDanielley]

You're right, I used a financial advisor. Approaching retirement, I've benefited greatly from their guidance. Starting late, I knew index fund compound interest wouldn't be enough. It's funny how I've outperformed peers with more years of investing experience.

[@Curbalnk]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.

[@greekbarrios]

Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k

[@blaquopaque]

@@greekbarriosYou have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.

[@blaquopaque]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.

[@kansasmile]

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

[@blaquopaque]

I've experimented with a few over the past years, but I've stuck with ‘’Jennifer Leigh Hickman” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@michaelwiebeck3]

Becoming a millionaire through a Roth IRA or a 401(k) involves different strategies for maximizing profits. A Roth IRA offers tax-free withdrawals in retirement, which can be advantageous if you expect to be in a higher tax bracket later in life. On the other hand, a 401(k) provides tax-deferred growth and potential employer contributions, boosting your savings. The optimal choice depends on factors like your current and future tax situation, employer match, and investment options. Consulting a financial advisor can help tailor a strategy that aligns with your financial goals and circumstances.

[@Rachadrian]

Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.

[@Olsontim21]

I wholeheartedly concur. At 60 years old and newly retired, my external retirement funds total around One million two hundred fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor.

[@SteveEstrada-js9nu]

This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?

[@Olsontim21]

I'm guided by “Vivian Carol Gioia” an experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.

[@SteveEstrada-js9nu]

Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.

[@Lemariecooper]

Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?

[@jessicasquire]

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@Erikkurilla01]

The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market.

[@Erikkurilla01]

I've experimented with a few over the past years, but I've stuck with ‘’Nicole Anastasia Plumlee” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@innerresonance6682]

Bitcoin and/or Microstrategy. Not financial advice tho lol

[@gergc4871]

I hope to buy a sandwich one day. Thanks for this video!

[@tahirisaid2693]

I am retiring next yr at 55 with 3 houses paid off worth 4.5 million. One is my place of residence the other 2 properties will give me $80,000per/yr rent . I will have an income stream of $20,000 per mnth through my super which gives me total $240,000 a yr to live comfortably. I have no debts ... Stay Motivated!!

[@habiqconsult3797]

You have done great for yourself. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

[@tahirisaid2693]

Credits to ROCH DUNGCA-SCHREIBER, she saw me through the process. You can glance her name up on the internet and verify her yourself. she has years of financial market experience...

[@traviscarr4698]

​@@tahirisaid2693literally someone else in the chat said what you just said verbatim 😂 gotta love bots

[@Scoho2098]

I've got to admit, this was a punch in the face. The best 12 minutes I've seen in a long time. Straight forward, No BS information. This should be a required curriculum for teenagers! Thanks

[@MarkJKohler]

Thanks David! Share with others!

[@carolinevera5406]

God bless you thank you for this information my husband and I looking into Roth IRA my is 55 years old and I am 54 years old. Thank you, thank you.

[@PersnameLastname]

Came across your video 5 years ago, right before covid. In my 30’s but been putting money in my TSP like i’m in my 50’s. That simple configuration catapulted my compounding potential. Cant thank you enough.

[@ErrorPagenotFound-ig1cy]

Watched this several years ago, his plan really worked. Went aggressive with his plan and it paid off dramatically. I am now in the point where if i stop contributing to my TSP today i would still make over $1M by the time i’m 67. Thank you. This advice is GOLDEN and should be taught in college!

[@reedbrian290]

I have always been fascinated by investing, but without adequate knowledge on the right thing to do, I find it difficult to start. *I politely ask, what’s the best sector to invest in?*

[@andreskylo5868]

It is entirely possible for a smart and patient investor to go into investing with the right information. One of the best ways to get started is to get help from an experienced Financial Consultant . I've been investing since *2015* and I'm extremely happy with the returns I get working with my investment advisor; *Hamilton Phoebe Zoe*

[@reedbrian290]

@@andreskylo5868 I am very interested in this information and I've some money sitting idly in the bank with that I can start investing without further delaying, If you don't mind How can I get in touch with your professional?

[@andreskylo5868]

@@reedbrian290 As to get more details about my Investment Professional; *Hamilton Phoebe Zoe* easily do quick internet research where you can easily write her from, do your research with her full names mentioned.

[@reedbrian290]

@@andreskylo5868 I'm delighted to engage in this opportunity, I just found the professional's web page and have already written to her 👍

[@lewisbeatrice4205]

It’s good to make decisions that help you ensure good finances. It doesn't matter how many jobs you have, but what matters is how many sources of income you have. Getting a side hustle or passive income is a very wise financial decision.

[@JeffMorrisonAdventures]

This video needs to be included in every public school curriculum. It can play in the cafeteria once a week. It will bore them when they're young, but it will grow on them slowly.

[@ambakaur3436]

Jeff Morrison seriously.

[@MarkJKohler]

Agree!! Thanks so much!!

[@JeffMorrisonAdventures]

@@ambakaur3436 good to see a someone your age with some sense. Can I guess you're early 20's?

[@eajinabi]

Lets see what happens when everyone directs thier money into a Roth IRA. If everyone does it, then you will be lucky to get 1 percent ROI per annum.

[@JeffMorrisonAdventures]

@@eajinabi you're only aloud to put in $6,000 a year. If everyone behaved responsibly we would probably have to diversify a little. It would still be for the greater good. Do you have any sort of retirement savings plan?

[@Jon-zy8zd]

I’m 18 right now, but i hope i would’ve started when i was in the womb

[@mariochacon4717]

I started at age 34. Smh.

[@seanl2863]

Load up your Roth IRA at $6k a year and not $540 a year as he says, you will have way more than just a million

[@enricopallazzo3244]

HAHAHAHAHAHA

[@mvboutdoors]

Everyone told me to start when I was 18, i ignored until 28-30. Do it, seriously. Your future self making bank will thank you.

[@Anonymous-wy5dc]

@@mvboutdoors That's the cycle of life

[@billnolan5375]

Starting early is the best way of getting ahead to build wealth, It's such a pity most folks spend more and invest less while intelligent people always try to harness any investment opportunity. I've been diving deep into stock options.

[@rohitmajumdar1579]

I'm working toward generating $1,700 monthly from your dividend stocks.

[@noelstout3056]

@Sean Roger How long has Frost Hilda been handling your investment, as how has he enhanced your earnings?

[@natashawalton8545]

@@rohitmajumdar1579 generating $1,700 A MONTH from your dividend stocks means your portfolio value is already 1 million dollars.

[@kelvinjohnson3906]

I am getting lots of cricket sounds from all the crypto lovers. I personally think anyone who’s interested in easily multiplying funds should consider buying the dips of most altcoin, this is an opportunity to get in.

[@gupp22]

There are annual Roth IRA limits. For example in 2018 the max contribution amount was $5,500 year, & if over the age of 50 it was $6,500 year. For the years 2019 & 2020 the maximum amount was increased to a maximum of $6,000 & $7,000 if over the age of 50. $583.33 a month x 12 months = $7,000 In your white chart example for age 50, your yearly contribution of $19,800 has exceeded the yearly maximum by $12,800 at the year 2020 rate. It is impossible to bypass the IRS rules for contribution.

[@feliciajohnson605]

That’s true statement

[@User-pu3lc]

Someone doesn’t know about the Roth 401k backdoor 😐

[@clarissagomez8407]

You can put money into your roth 401k and rollover it over to your roth IRA, this money will not be counted towards the 6k yearly limit

[@citygalmelanieproductions1431]

@@User-pu3lc Many UCC filings coupled with S-Corps. 🎉

[@youngjedi5599]

They should remove the limits.

[@reeseziegler1389]

I’m 17 and a high school senior. I work as a CNA and house sit occasionally. I’m working on saving lots of money right now while I have zero bills. I’m starting a Roth IRA next month. I’m so excited!

[@MarkJKohler]

Great news Reese! You won't regret it!

[@JC-li8kk]

I started at 25 & I do the maximum amount. What do you plan on investing in within the Roth?

[@ibrahibrak4210]

@@JC-li8kk this vid is misleading

[@geovannyl.2801]

I’m 20 and I’m putting $120 a week into my Roth IRA. Exactly what I need to max out every year. I maxed out 2018 a couple of weeks ago.

[@TIB1973]

That is awesome. The ROTH IRA is the only thing I wish I had started earlier. My plan is ROTH IRA>401k (Match)>Savings> 401K maxed>Precious metals. The 401K has too many limitations for me, but if you have enough for everything else, may as well max it out if you can.

[@Darltk]

That's great. You will be a millionaire with those strategies.

[@kylecouture1917]

Started maxing out roth ira at age 25. Will do until i retire.

[@brandon74185296]

33 years old and I just heard about a self directed roth. Ima watch all your videos man. Thank you!

[@johnmaloney4489]

im 17 and u just motivated me to get one set up. Thanks man

[@MarkJKohler]

Wow that's awesome!! I wish I was like you when I was 17 :)

[@joiab11]

You are a very smart young man!

[@calebclark6739]

Best thing you can do young man

[@josevidal716]

How old you have to be to open a Roth IRA?

[@jayedemby9255]

I would start asap. In 2037, social security funds will be depleted. Read Money Under 30.

[@majinblackgear5bankaisuper151]

Just turn 24 and you just got me very motivated to open and start a Roth IRA !! Thank you 🙏

[@MarkJKohler]

Way to go Tony! Good luck! Please feel free to reach out if you'd ever need help with anything.

[@peteranderson9822]

hey there

[@HiMyNameIsKim]

I swear that breakdown gives me so much hope. I’m almost 27, that’s amazing to hear. I’ll happily sacrifice a few times eating out!

[@tamjampaul]

Kimberly Barnes right with you. I’ll be 26 in April and need to get this thing going!

[@MarkJKohler]

So good to hear this gave you hope! Please subscribe and share with others who need hope!

[@Mexicobeanpole]

Do it! Do it! I wish this kind of information was available when I was your age. 💰 💰

[@shipdog44]

Kimberly Barnes, I hope you started. I started when I was 27 and now I am 58 with over $1M in my 401K. It is possible.

[@X11CHASE]

@@shipdog44 can I ask what sort of securities you invested in?

[@Wowed45]

I’m dead he said this is OJ Simpsonized 😂😂😂

[@rollsroyce7385]

Nutrition Specialist #1 ikr😂😂😂😂😂😂

[@lyric2439]

it’s true. OJ’s retirement money can’t be touched. They tried, and failed.

[@rollsroyce7385]

Anna Dee and rightfully so....

[@Saidoromo2024]

😂

[@smithraymond09029]

So is Nichole Brown :-(

[@Bondbeer]

One negative on the HSA is that it is fully taxable to your heirs immediately. Therefore in order to maximize the tax free income you need to make sure you fully utilize the account during your lifetime.

[@leapadaoan2263]

Thank you I just did my Roth IRA on the betterment. My contribution will start next month

[@johnnierichardson4239]

I like Mark's delivery straight to the point.

[@MarkJKohler]

Thank you Johnnie and that is what I always strive to do!

[@jorgenvonstrangle000]

Glad I did a 401K with my employer as it was needed, I am 23 now been with the company 3 years, doing 5% and they match up to 5% every year and so far 2 bonuses to deposit into my account of $1500 total. They are going to stop giving pension next January so I definitely want to start a Roth. Thanks for that

[@PeterPan012]

Joe Luis Starbucks?

[@timtorkelson7201]

Shoot for minimum of 15% + your employer match you'll be Thankful when your 65!!!

[@Javier_Jimenez71]

This gave me confidence to switch my 403 into a Roth. Thank you so much.

[@ahumm8280]

Why not have both?

[@davehaupt6612]

I like the "slow and steady plan" while you are snapping your fingers and moving quick. Mark, you are awesome and I appreciate you.

[@MarkJKohler]

Thank you so much, and I appreciate you too!

[@derekbenjamin8143]

Phenomenal content and energy!

[@MyFriendThomass]

The roth is an essential vehicle for financial planning. It's actually mind blowing how many people are discounting the TAX FREE aspect of this investment vehicle; throw in tax free compounding and it's a no brainer

[@purplepill2024]

People aren't discounting it, they just might not be able to invest into because it doesn't offer pre-tax savings and they're living to paycheck. People who can afford to, maxes out all their retirement accounts: 401k, IRA, and HSA.

[@kingleonidas4296]

I have a Roth myself but traditional ira certainly has its place in retirement planning. A big first for me is I live in a high tax state but plan to retire to a tax free state.

[@MarkJKohler]

Great comments everyone. There isn't a one-size fits all approach. I agree. But using a combination of Roth, 401ks and traditional IRAs is truly in the long run a great mix. But as some of the other comments below, some people are still living month to month, or getting out of debt, and simply working towards a better saving strategy. I'm just grateful all of you are watching my videos (and I'm sure others) to motivate and educate yourself. I CAN even do better!! We're all trying. It's not easy.

[@MarkJKohler]

@@purplepill2024 See my comment above that addresses yours. Thanks

[@MarkJKohler]

@@kingleonidas4296 See my comment above that also addresses yours. Thanks

[@atlanteum]

This one video may have changed the course of the rest of my life. Because if it, I went online and installed a compound interest calculator. I was nearly in tears when I ran calculations on what I would be worth now if I had invested as little as $5K or $10K way back when I was 25, and then factored in different interest rates and different annual addition amounts. It's absolutely CRIMINAL that it's not MANDATORY to teach this sort of thing in schools. There's an old saying - "The best time to plant an oak tree is 20 years ago." The same is true for investing. If you're young, and reading this, PLEASE follow this man's advice. Don't play catch-up, like I'm about to have to do.

[@josephrichardson67]

It's never too late to start off something. I became serious with investment just few years ago. I could say I wish I had started earlier but I'm glad i finally did. So, it's never too late. Get on it. I ca help you, if you'd wish.

[@atlanteum]

@@josephrichardson67 - Thank you for the words of encouragement! Believe me, I am SO on board with this new stage in my life! I am spending the time up front to listen, read, watch, study and learn, then I'm diving in head first! Best of luck to you, sir -

[@josephrichardson67]

@@atlanteum Alright. Just give it enough dedication and research. You'll learn. If you'd be quick enough, I can refer you to a good platform where you can start to invest and earn very good ROI quarterly. The earlier the better. Remember that.

[@atlanteum]

@@josephrichardson67 Hi, Joseph - thanks for reaching out. Well, as you said - I'm in heavy -duty read/ study// watch/ learn research mode right now. I almost religiously watch anything by Stephen Graham, Meet Kevin, Grant Cardone, Mark Ferguson, Matt McKeever and the entire Bigger Pockets crew. I'm definitely in the loop - just laying low till I'm ready to make the first deal. I won't be long now!

[@josephrichardson67]

@@atlanteum No problem. I personally invest at Lumentrades and it's been great. You should check them out as well and include that in your evaluations. Feel free to give me a shout here if you'd need my help with anything about this. Good luck.

[@markjou9799]

I am 40 now and started investing in a 401k at 18. Back in 2007 when I was 27 I had just over 50k in my 401k. Little did I know, that life was just about to change for me. First off the recession hit and during the recession in late 2008 I lost my job. I got unemployment for a short time but once that ran out I had no where else to turn except for my 401k. I took out roughly 12k per year from my 401k until it ran dry. The good thing was that I didn't have to pay a penalty on the funds that I withdrew even though it was from a traditional 401k. Believe it or not I just recently recovered from the recession and started my 401k up from scratch again at age 39. In the last 13 months I was able to go from a 0(zero) 401k balance to just over 36k now. I maxed my 401k out in 2019 and plan to do the same for 2020 and beyond. I am also contributing 2k per month to VTI and plan to do so until retirement. Couple of lessons that I learned here(this is for you guys in your teens/20's especially). #1. always have an emergency fund(mine is 25k) #2. be prepared for a job loss #3. take any job even if it pays min. wage #4. the market will have some bad years and be prepared for years of steep market losses, just keep holding because the market will come back with a vengence. #5. How life is for you now, is not how it is going to be 10 to 20 years from now.

[@MarkJKohler]

Thank you Mark for sharing your experience. I am sorry for what you had to go through. However, I am glad that you have found your stride and are working hard to rebuild your 401(k). Wish you nothing but success!

[@markjou9799]

@@MarkJKohler Thank you

[@antmydude236]

Oof that hurts reading that. Imagine if you hadn't taken that money out and actually put money into it when the market was on a "discount". I don't know what it was like in those times but I think I would've lived in my car before pulling out my retirement money at a huge loss haha

[@itshowyouarrive]

Thank you for sharing!

[@markjou9799]

@@antmydude236 If anything I was actually ahead of what my contributions were prior to the recession, its just that my gains could have been much higher. Also the unemployment rate was much higher than reported. I wouldn't be surprised if it was closer to 25% unemployment at that time. I also probably could have moved back home with my parents during that time but they were states away and I didn't really want to be under their roof again, although nowadays you see many twenty something year olds still living at home. The recession was literally a life changing moment for me and I never thought I would have experienced what I experienced in that time.

[@sirpercival4731]

I started a Roth IRA at the age of 70 - I max it out each year! When I reach 90 ...... I'LL BE A MILLIONAIRE !

[@frenchis19]

never too old !!! however, you can be a millionaire way sooner of you learn to run the stocks :

[@andrewchandler0]

Just what I needed to watch. My wife and I are directors of our farm business and own property, plus small pensions. I am nearly 55, my wife is 52. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.

[@brianszeredy1881]

I'm 52 and going to cancel my traditional IRA to set up a Roth one today! I can't believe we don't teach this stuff in schools. I was making 1.5 % for years. I'm so mad! Thank you Mark. Great videos

[@PJBHolden]

Do both!

[@ariefraiser140]

You can't "cancel" your traditional IRA. I think you mean you're going to stop contributing to your traditional IRA. Or you're going to do roth conversions.

[@ALPHADOG1900]

The trick is just: SAVE MORE. Take advantage of real, compound & continuous interest. Thank you Mark love the word "Self direct."

[@Jeanrussio]

What do you guys think about AI stocks; Broadcom and Marvell. I have a 100 grand to put into the markets now it has shown bullish strength but I am very skeptical.

[@GloryKobb]

Be careful not to be lured into the market too soon i rather be buying low in periods of instability than chasing when market starts to rally, this current situation has opened my eyes to the importance of a good mentor knowing what they doing.

[@Vinyvasquez]

I’d be retiring or working less in 5 years, and considering this financial recession, I’m curious to know best how people split their pay, how much of it goes into savings, spendings or invstments, I earn around $250K per year but nothing to show for it yet.

[@keralakora]

​@GaurnjlSoon affordable housing will no longer be affordable so anything you want to do i will advise you do it now because the prices today will look like dips tomorrow . Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation.

[@jiyadavi]

​@keralakora I think home prices are gonna come dwn with the pause in hikes coupled with the new mrtgage rules.

[@FloriKrueger]

When stck picking, best to have a mntor who has a feel for sentiment and positioning of both institutional and individual investors. Someone like Kayla Tabitha Rodrigues has been a good exsample lately.

[@denik9614]

I just up'ed my contributions from $275 bi-weekly to $350. Im still in my 20s. My Roth is my baby. I feel like im looking out for my future by investing in it. I dont miss the money every pay period and i know i am doing something good for my future! 💕 I also have goals to be a millionaire way before i reach 67! Great video!!!

[@MarkJKohler]

That is great, Denik!

[@getinthespace7715]

Have a coworker who was rolling the 401k into their Roth IRA because they has so much in the mandatory distributions at 72 were going to force them into a 34% tax bracket. They rolled over whatever they could while maintaining the 22-24% tax brackets. After doing that for years they knocked down the 401k enough that the mandatory distributions won't cause a massive tax liability. They have well over $1 million in a Roth IRA. Amazing what 30-40 years of saving and investing will get you..

[@KimPhuoc]

How can anyone invest $19800 per year into their Roth IRA at age 50 when the max. allowed is $7000 per year?

[@MarkJKohler]

Kim Phuoc Jewelry I LOVE IT!! Great question. You can contribute 19,000 per person (if married) into a solo 401k!!! And that’s a Roth Solo self-Directed 401k. Seriously!! I know this sounds crazy but I have answers, I have solutions, I’m trying to spread the word and I wish I had 500,000 views like some of these nuts out here that don’t even have the credentials and experience and knowledge that I have. Please share this video and call my office if you want a consultation.

[@markbartoszek8585]

lol I was thinking the same thing. I also question the 10-12% return on an S&P index fund. I think the average is around 9-10%.

[@KimPhuoc]

@@MarkJKohler OK I was confused. I thought you were talking about how much to invest each year to make $1 million in your ROTH IRA account.

[@seanbutler9429]

His returns are optimistic. They assume an average compounding of 10 to 12 % annually. You can put the amounts he’s talking about into a ROTH 401(k) through your work if your work offers a ROTH 401(k). Over 50, the max contribution in $25k for 2019.

[@brucerowe2895]

@@markbartoszek8585 I have gotten 30% on my 401 last year.

[@CAZDJ10]

I'm about to turn 30 in a month ... Last year I started saving weekly 300 dollars on January 1st and I broke my piggy on December 31 and I almost got 17k.. I wish I knew about this video since then. Next year I'm starting for sure .

[@MarkJKohler]

Sounds great! I am happy to help!

[@slicklizardchamp]

Remember you can only contribute $6k in the Roth annually.

[@claudettetodd7497]

You don't mention the limitation on yearly IRA contributions between $6k - 7k per year. Your savings figures for age 50+ make no sense.

[@brianstinnett9717]

He mentioned the backdoor IRA, there are ways around the limits!

[@hildebrandllanto1542]

Brian Stinnett how to go around the limits?

[@MarkJKohler]

Check out this video: kzbin.info/www/bejne/bJ_GpGOfp9CpY9k It should answer your question. The idea is that the money is Roth money, whether it is in an IRA or 401(k). Hopefully that helps!

[@Encourageable]

I’m 67. I have a $1M saved. I’ll probably be dead in three years but I’m a millionaire! Woo hoo! Nothing to spend it on cause I don’t care about much anymore, and I don’t want to spend it because I gotta save, save, save! Woo hoo. Mission accomplished!

[@skylershistle1133]

You ever hear of strippers and blow, only have a year left tik tok on the clock

[@AlexanderPalumbo]

I’m glad I subscribed man thank you for this video

[@johnb.4950]

Exactly what Barking Shark said. You can only put $6,000 per year if you are under the age of 50. Over the age of 50 adds $1,000 to that number per year. Why is that not described in your video? If you have a way to make it happen, please, I'd love to hear it!

[@jonathanfoster2263]

you can have as many Roth IRA's as you want. You could spread the amount across 3 or 4 of them.

[@WebbyWunda]

@@jonathanfoster2263 If you're eligible for a ROTH at all then you CAN have as many as you want BUT ... Although you can convert or roll other savings vehicles like 401Ks or traditional IRAs into a ROTH, you can not add more than a total of 6000 or 7000 per year of new money directly into any kind of IRA. He did not mention that, nor did he mention the eligibility restrictions on ROTHs. I love my little ROTH but there is more to it than he implied.

[@jrivord08]

It's called a backdoor roth. google it and it will tell you how there's a way around the $6k contribution limit.

[@Damarilee_music]

I’m 18 & just started mine 🙏🏾

[@MarkJKohler]

Way to go. That is great to hear!

[@ryantaylor6530]

Great job, set aside a % of your income every month for the fund and by the time you retire you should have a nice little nest egg.

[@RK831]

I wish I started mine at age 18, but at the time there was no Roth IRA. I had to get a traditional IRA and roll it over to Roth in 1998. Put in the maximum every year and you will never regret it. You will be unlike your friends who will later in life will have regretted not investing at age 18.

[@Izzythrills]

(Finally!) just opened my Roth IRA account and uploaded a video of the process! Wish I would have done it years ago😅

[@MarkJKohler]

Better late than never! Great job!

[@crystalsalton]

Whats the link for the video?

[@bichdueinerson8621]

You’re amazing gentleman!!!

[@Imran-Lalani]

I have FZROX 100% in my Roth IRA.

[@WealthyTiffany]

Great breakdown, it is totally doable! I retired early because I started investing my money - I didn't leave it sitting in a savings or spend it all on things that don't make my money work for me! Thank you.

[@JC-li8kk]

When you retire early & live off of investments how do you file taxes? Are you considered unemployed or self employed? And how can you contribute to your Roth IRA without a job (since I don’t think investments count as earned income)?

[@WealthyTiffany]

@@JC-li8kk I have rental properties that I file taxes for & I did start an LLC so I self employed & you can always contribute to a brokerage account.

[@vincentv646]

I'm 25 and have been maxing out my ROTH IRA every year since I was 23.

[@alrocky]

How much have you contributed in total to your Roth IRA and what is the current balance?

[@vincentv646]

@@alrocky I contributed $5500 in 2018 and $6000 in 2019. The key is diversification and not getting scared and selling when the market drops. Just ride it out and maybe even buy more shares. I bought some stock in Facebook, Apple, Nvidia, Verizon and an S&P 500 index fund (Ticker: IVV). So far I'm at a $2294.60 total gain not including dividends. My current balance is $13794.60. I invested most of it in early September when the markets were way down which is why my numbers are abnormally high. If you just did an S&P 500 index fund, you could expect an average 10% gain every year over the course of 10 years.

[@alrocky]

@@vincentv646 Congrats to you. Looks like you been doing well with your Roth IRA. Are you also contributing enough income to at least receive the company match with your 401(k)?

[@vincentv646]

@@alrocky Thank you. I try to get my friends and family to invest but most of them would rather spend all their income. I don't have a 401K because I work for a small construction company owned by may parents. Maybe in the future when we are more established though. I'm planning on investing in real estate once I have enough saved. I've been living at home which has been allowing me to save most of my income.

[@SchoolofPersonalFinance]

@@vincentv646 That is awesome!! I started around your age as well, but made some silly decisions as I got older (like withdrawing $$ from my roth to buy an engagement ring) stick with it and you will do great! I also started investing in real estate in my late 30's and that has changed everything for me. Focus on that.

[@xyzy5633]

I just moved here in the US and i just started my RoTh IRa and i maxed it out.. i hope i can still reach the target☺️

[@MarkJKohler]

Keep doing what you're doing. You're rocking it. Please feel free to reach out if you need help with anything 435-586-9366

[@jorgechavez8774]

What does that mean. Maxed it out.

[@blb128]

@@jorgechavez8774 Maxed out means they contributed the maximum amount allowed for the year. In 2019 that was $6,000.

[@valentinoreyes2960]

Welcome to the american dream you have to be sleep...tax tax...save youre money stay away from credit card...be careful on youre 401k remember it is not fully Federally Insured that means when you lost and market crash no one can save you.....it is not guaranteed that your money is secured...read the fine print about 401k... you can fully invest on it...but be careful put money on your bank savings accounts too..not only all on 401k...

[@jamisojo]

@@valentinoreyes2960 Don't sell when the market is down. And, understand what it is you are invested in.

[@swiperlouie6857]

good thing I clicked on this video instead of the typical KZbin distractions. ill get a Roth started ASAP!

[@MarkJKohler]

That's fantastic!

[@jenjones6725]

Best explanation I have ever heard! I wish you were around when I was in my twenties!

[@MarkJKohler]

Appreciate the kind words Jen!

[@mesidye]

“OJ simpsonized” 😂😂💀

[@dugroz]

Step 1: Open ROTH IRA. Setp 2: Deposit $1,000,000.

[@stephen60078]

There is a limit every year, so you can not do that

[@littlefallsdoctoraccount3348]

@@stephen60078 Umm ... I think it was a joke ....wow

[@jamisojo]

@@littlefallsdoctoraccount3348 It wasn't a good joke. It would only confuse people that don't know much.

[@MrSleepyhead32]

I started investing aggressively this year at 23 and I am already mad at myself for not starting at 18. But I am glad I understand tax-free growth now so I am ahead of the game then never at all.

[@CreativeMonsterx]

This is the greatest KZbin video ever made. Thank you.💰💰💰

[@dysparia915]

I am a 17 year old and have been really focusing on my finances for the future. I have had part-time job for the last 2 years. I have saved up all my money from my job and as soon as I turn 18, I am immediately putting the max I can put into a Roth IRA. This seriously should be taught in every high school. I am shocked that in my finance class we never talked about any sort of retirement plan.

[@MarkJKohler]

Hi Astrid, yes I agree this should be taught at a young age.

[@barkingshark6413]

Astrid Bush ... the government purposely does not want schools teaching students how to save money or how credit cards work, or how to invest money to make more money. They want to keep the American public ignorant of finances and how the markets work. The reason they don’t implement the subject is to keep the majority of students in debt. This keeps the economy going, it keeps Wall Street going. They would rather you pay interest on $50 than pay the whole amount off when due. PAY OFF your Credit CARD bill EVERY MONTH. Learn about FICO scores. Learn about the stock market. Read all you can. You don’t need college for the education. Learn how to day trade. Learn how to chart. You have your life in front of you. Have fun at your early age, but stay focused and you won’t have to work after 50. I know it seems like an incredibly long time, but you’ll soon see, as you get older, time goes by quicker. Regards, Hunter

[@dysparia915]

@@barkingshark6413 Thank you Hunter for taking your time to reply. I will most definitely take your advice and become as educated as I can on the topics you listed. I really can't emphasize my appreciation as I would not know where to start when it coms to educating myself on financial and investment subjects if it was not for you.

[@barkingshark6413]

Astrid Bush ... I also might add that it would be wise to put any extra money you have into an Index Fund. Vanguard has the lowest fees, if not zero fees now. (Everyone is going to no fees) open up a free TD AMERITRADE account. If you’d like, I can suggest one for you. I’m not a financial advisor as a disclosure.... however I am 54 years old and do not have to work. I was not a trust fund kid. I made everything I have by myself. I am self made. I was a professional athlete and the people I looked up to for advice hustled me out of $50K when I was 19. That said, I don’t have a lot of trust when it comes to money. So I take it to heart when someone your age is reaching out for advice. Regards, Hunter

[@barkingshark6413]

Astrid... I recommend signing up to the free website SEEKING ALPHA. ((Alpha) is value in investment terms. (Beta) means volatility. Also on your list of should do’s... Subscribe for free to Insider Monkey Subscribe for free to Benzinga When you create an account, create a list of large cap companies. When you buy stocks in the future, you are part owner of that company. So don’t buy stocks, buy companies, and good ones like: Apple Google Facebook Netflix BRK-B ( Berkshire Hathaway) MKL. ( Markel ) Look at the charts on these companies for the last 20 years, not just the last 10. ( everything has done well for the last 10. Oh, one more suggestion. Get the book; The Intelligent Investor. It’s a long read, highly recommend you reading it. And when you don’t understand something you read... stop and google the term, don’t just continue to read. OK, that’s all I’ve got for now. Hunter P.S. Giving you things I wished someone gave me at 17.

[@juliethompson8510]

How can a 50 yr old put in $1650 per month when the 2021 IRA contribution limits: up to $6,000, or $7,000 if age 50 or older?

[@jimhart]

Great video Mark! Thank you for sharing this great information. I need to have my kids watch this!

[@MarkJKohler]

That's a great idea! Better start early than late right! Thank you for watching :)

[@beatrizlopez5136]

I am 31 just starting thanks for awesome information

[@kashfortheking]

HSA is incredible. Glad I found out about that.

[@kashfortheking]

@M͏𝚊𝚛𝚔 J͏ K͏𝚘𝚑𝚕𝚎𝚛 ▪️ the real one joined years ago.

[@IntiArtDesigns]

A couple of risks to consider, especially if you're 20 and considering a 47 year plan. 1. ALOT can happen in half a century, not excluding changes to legislation and tax laws. Don't assume the way things are now are the way they will always be. There's nothing to stop the government from confiscating your savings, like they already do with your social security. Consider bail outs, bail ins, or even a war. It's risky stuff. 2. Saving fiat currency is unwise, even if your interest is outpacing the average rate of inflation, because all fiat currencies eventually die, it's inevitable, not one in history has ever survived, and if you think your local fiat currency is any different, just look up the national debt of your own country and the decline in purchasing power of your currency. NO fiat currency is immune from hyperinflation and eventual collapse, in fact the very nature of a fiat currency makes this an inevitability. It's not a matter of if, but rather when. As another educated commenter here pointed out; if it puts money into your pocket, it's an asset. If it takes money out of your pocket, it's a liability. If you're a wise investor you'll accucumlate assets and generate tax-free passive income/cashflow. A penny saved is not a penny earned.

[@JasonBuckman]

A penny saved is more than a penny earned. A penny earned is worth less than a penny, it's worth a penny less taxes.

[@virinena22ip]

Thank you! I'm in my 30's.. I wasn't sure how this worked but you broke it down so easy!!!

[@MarkJKohler]

You're welcome. Thanks for watching!

[@mariellewilson8276]

Would like to invest. any advise on how to go about it ?

[@mariellewilson8276]

do you have any you can recommend for me ?

[@mariellewilson8276]

thank you walker. i just search her name and i found her website . i am dropping a message.

[@investorwest8735]

nice one walker

[@MarkJKohler]

Gerald, I agree with walker chaplain. It's best to speak with a professional. Get in touch with your financial advisor.

[@tylerotaniconlon1990]

Walker Chaplain advisers will steal your money, the reason they are called “broker” is because they are more broke than you. Call up vanguard and they will help you through the step. A good way to start is Roth 401k and Roth IRA

[@latashawhite2126]

This has to be the best information on getting to a million dollars on you tube hands down. This is so practical. Thank you 🙏

[@MarkJKohler]

You are so welcome! I am glad it's helpful!

[@anthonyfernandez5826]

This is awesome Mark! Calling your firm this week!

[@KatieMorera]

I’ve watched multiple videos on RIRA’s and they were all helpful. However this car analogy is the best I’ve heard, and makes it easy to explain to those who understand even less than I.

[@boots911]

max IRA contribution for this year is only 6000 dollars.

[@jamisojo]

Roth 401k limit is 19,000 in 2019.

[@derbywinner6316]

Over 55 is $ 7,k

[@calebclark6739]

Use to only be $5000

[@jayedemby9255]

Max CONTRIBUTION each year, in 5 yrs. That's $30,000 plus interest.

[@Dirty__Dan]

How do you bypass the yearly cap of 6,000 a year for your 50 plan in a ROTH IRA.

[@joeceja9260]

Same question, I thought the max annual contribution limit at age 50+ is 7K.

[@sunnypatel3711]

Same thing I'm wondering

[@coltenfergeson9898]

I just put $7,000 into mine, which I plan to every year. Also I live rent free by subleasing, which also gives me an extra $100. I'm starting to also buy and resell things legally of course by keeping taxes in mind. I've got other plans to become wealthy way before 67.

[@MarkJKohler]

Colten, there are many ways to gain wealth! More power to you!

[@SHD_Agent6514]

Why not open and allocate to all 3? Traditional IRA for the faster growth, Roth for tax-free withdrawal, and HSA if like he says does both.

[@cottondai]

Thank you for the lesson on ROTH IRA.

[@MarkJKohler]

Thank you for watching!

[@kenny6229]

Great job with this fast and simple explanation Mark! Keep up the healthy advice. I loved reading the comments about people who have found this motivating and life changing!

[@MarkJKohler]

Thanks Kenny! I'm not going anywhere! I love helping to open people's eyes. Please subscribe and share with others who could benefit!

[@HalfEatenMedia]

I’ll live off my dividends by 67 hopefully and the money will still be growing. I have some go into a Roth but I prefer the pre-tax option better. Pre-tax lowers my tax bracket and in CT, the taxes are ridiculous so it’s great for me. Currently making 20% returns on my dividend portfolio for 2019. It’s a good year for investors.

[@SchoolofPersonalFinance]

Nice!! Yeah everyone's situation is different. I'm in NY and the taxes are a killer here as well. Tax diversification is a smart move because we never really know what it will look like when we retire.

[@MrBrewman95]

I just turned 26 and just maxed my 2020 and 2021 contributions with my fiduciary advisor. 👍

[@stevebiggavel2720]

This is amazing. I was trying to Put the maximum 6,000 a year. But this is an good plan. You are an amazing coach. Thanks for the information.

[@restoreharmony2020]

I'm 35 running two businesses and needed this simple advice. Self-Directed is the way to go. Thank you for sharing the knowledge and the numbers.

[@kennethterry6453]

I'm not tracking. If the max amount you can put in is 6k per year then how do you follow your plan when your 50? I can't put in the 20k

[@addbab1622]

I believe theres an account called a Roth 401k, that allows you to put 19,000

[@brad_del]

He is using the word Roth in this video interchangeably with IRA’s and 401k’s. At age 50, you can contribute $25 into a Roth 401k (19k limit + 6K catch up contributions) and 6k per year into a Roth IRA (6k limit + 1k catch up contributions). While this can be done, it is very plan specific (meaning your company has to allow you to make Roth contribution into their plan). He provided #’s here, but did not state the ways that it needed to be done. People often this a Roth 401k is its own type of account. A 401k is a 401k the term Roth just states how the money within that 401k is held either pretax (traditional) or post tax (Roth)

[@sambaker7703]

"OJ Simpson-ized" LOL I SEE WHAT YOU DID THERE.

[@carscoffeeandmischief]

Isn’t the total amount up to $6000 per year? I just googled it and I couldn’t find otherwise. -Wouldn’t be better to have a 401k because you can have 3x more money invested and come out ahead even after you’re taxed.?

[@stevenjordan9497]

I like this guy.

[@loughlindale1323]

lets be honest with zero skills you will run into problems that will change your perspective, always employ services of a pro, personally after extensive research and some surveys i made close to a quarter million as a rookie much thanks to Mrs Mary Margaret Cartier

[@brandonutah9977]

i had to learn the hard way thrpugh bonds, how may i reach out to your advisor, i have come across her article through a CNBC interview

[@loughlindale1323]

oh yes she lives up to her standard top notch quality and well known in Miami, she has been handling my portfolio for a long while and ive been well please. you can always search her full name online and then leave her a message. you welcome

[@alterego8123]

the truth is irrespective of what anyone thinks, bitcoin is the moment is far better than stocks or anything else

[@alterego8123]

personally with $7500 I have been able to earn over 41000 worth of bitcoin in my last two months of trading

[@alterego8123]

Although I am able to achieve that by investing with miss Jane a professional trader

[@jerrypic2350]

Bitcoin is the present and the future of financial institutions

[@hubster3540]

Bitcoin is gradually being entrenched into the financial mainstream,

[@thebitcoinfamily5975]

@Elvis you probably should make your research properly before venturing into it

[@riverwho1]

when someone tells me to assume a rate of return of 12%, he is also saying that there is no point in listening to anything else he has to say on the subject

[@MarkJKohler]

Hi riverwho, I hope you know that I was using a hypothetical example. I wasn't saying the return is that I was saying let's just say 12%.

[@trevilights]

@@MarkJKohler 12% is doable. Just look at VINIX and other funds.

[@ruxp10]

LOL OJ holy crap. So good. Youre the man dude

[@johnconn3054]

The self directed IRA he is selling is $295 a year. That seems pricey especially for people just starting out.

[@riccohen611]

How can one make such a large contribution, when the ROTH IRA has a yearly contribution cap?

[@jeanettestevens4199]

You can roll your 401k into your ROTH. But you have to pay taxes

[@andrewcogger7586]

just invest your 6 grand, every year and then invest the rest in a taxable account. i fully intend to enjoy some of my gains in my 40s and 50s, i'll take a tax hit. everyone watching this video isn't even gonna live to 60

[@tylers9888]

Make non-Roth after tax contributions to your 401k and the basis can be rolled into your Roth IRA.

[@minime8942]

Cap is 6k/yr.... 500/month*12=6k. Well within his suggestions

[@riccohen611]

@@minime8942 I was referring to a 50 year old

[@lanexang8127]

Don’t you have limit on contribution of $7000 per year ? I am over 50 , how to you come up with $19500 per year ? Thanks

[@michaelvan6675]

Lane Xang exactly. What an idiot

[@reniehandler2595]

Roth plus 401k contributions or $14,000 if your married and both over 50

[@marcussavina2726]

They're are ways to do it, backdoor ira

[@michaelvan6675]

Marcus Savina wrong.

[@marcussavina2726]

@@michaelvan6675 not wrong. kzbin.info/www/bejne/r4vJe32crMqId5I

[@yellowsocksification]

Hello, im 20. When you said set aside $45 a month in Roth ira. What does that mean? Does that mean with the $540 a year saved, i would need to invest that in a stock, index fund etc for it to actually grow? Like if i put in 540 and do nothing it wont grow? My other question is that, say i invested in a index fund now and keep it for 39.5 years (59.5-20). I am finally at an age where i want to retire. How do i get the profit. Would i need to sell the index fund to get the profit or could i just take the difference (between what i bought the index fund for ) and profit out? Sorry for the dumb questions. Im slow, but i learned a lot from your video!!!

[@joiab11]

no question is a dumb question Alice. You're a smart young lady to start saving now! Don't worry about the details, it'll grow and grow and that's what matters. You can do it!

[@minogoda]

M Detlef buddy he said it will Average 10 to 12% that means some years it will be more, some years it will be less, but overall it should stay within that 10 to 12%

[@menotme6523]

I am 34 with a 401k worth $103,000 and contribute 7% of my salary with a 4% match. husband and I are maxing out our roth IRAs as well. Can't wait to see the results.

[@eyemanpb]

Thank you so much! You are the best and a God-send!!! Please keep making videos

[@MarkJKohler]

Thank you, I will

[@estilomexico95]

I CAN DO IT, THANK YOU🏆🏆🏆

[@MarkJKohler]

Yes you can! Thanks for watching!

[@serenewhopperman2924]

The first million in stock is always the hardest but afterwards it gets better and if you ask me I think picking red chip stocks sometimes is the smartest move to make because they can sky rocket on the long run so yeah Smart move..I just sold TSLA,NTFLX and S&P 500 this month (vacation secured✅😂😂). Picking new ones soon depending on what my FA decides. We’ve got it all planned out. She knows exactly what to pick. Work smart people...work smart. I’m cheating stocks and it’s working for me😂😊😊

[@clairefrewman1456]

Impressive, I myself just bought BRK-A I know quite pricey but it’ll be worth my while I hope..you mentioned an advisor. Do you do referrals i might need the help on my next pick this month, that’s if she’ll be willing to work with me???

[@serenewhopperman2924]

Suree but I can’t leave her number here so you’ll have to google her the way I did, her name is Lucy Maria Koss. Look her up and goodluck with your stocks !!!

[@chrisanthony3560]

Serene Whopperman I’ve actually been meaning to trade for a while now, I think I’ll start with 30k..I just googled her and she seems credible. please what’s her commission like??

[@salmaabdulmajeed9888]

Thank you Mark,very encouraging and you make it sound possible to retire with Roth alone.

[@MarkJKohler]

Thank you!!

[@MarkJKohler]

Check out my "Part II", you might like these additional points and I validate several of the comments made here and challenge others. Let me know what you think: kzbin.info/www/bejne/mJm6mZajitelr68

[@JW99736]

Mark! Please do an update on this regarding the new legislation coming out!

[@lcmlcm2460]

Nice video on IRA because normally it’s confusing. Thanks