I'm 59 Years Old With Nothing Saved For Retirement!

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[@Mitzi73]

Immigrants come to America for a better life. Retired Americans go to poor countries for a better life.

[@gaffster787]

wow, so true..I read it's about 10% of retirees so far

[@kbthegoat824]

And those immigrants will also return home after they retire from their American jobs...makes no sense to retire in America

[@kidgreenhorn]

It's not that much cheaper unless you live in a bodega. Medical care? No medicare overseas.

[@cristinasv9513]

U r so right. Americans cannot afford to retire here anymore unless u r wealthy. Many of those were anti immigrant when young, but suddenly when they have to retire it's ok to live among immigrants. Very ironic.

[@waterheaterservices]

Yes... Philippines here I come.

[@bentleyboy72]

Kind of scary that there are people paying this woman 70k a year to do their accounting but she doesn't know how to save her own money.

[@sirwilliam7948]

That's the 1st thing I thought also..

[@redvisitor9432]

I took an accounting class awhile back. My professor was $300k in debt. Funny huh.

[@1HotSkiBunnie]

Accounting is a set of rules and processes. It has nothing to do with being a good money manager.

[@bentleyboy72]

@@1HotSkiBunnie Yeah, and typically those rules and processes are used to manage money correctly. If you can advise someone on how to keep track of their money, but can't keep track of your own, I feel sorry for your clients.

[@pawsnotclaws2772]

FishAntsPlantsAndDave I work with a accountant and she’s always putting things on credit cards and saying she’s broke

[@ranger-io5db]

The thing I love about Dave is that he doesn't beat up on you about your current financial situation. The damage has already done. He's all about resolving the problem.

[@TheFishdoctor1952]

I like when the conversation is over and he goes off on how STUPID some people really are. That's the best part of his show to me.

[@kbanghart]

@@TheFishdoctor1952 he goes kinda overboard on that though, especially when he's wrong, not a good look.

[@luv2cook5]

Sounds like Dave found an opportunity for someone to buy his classes I don't think he's really trying to help her he's looking out for himself.

[@commonsenseisntcommon1776]

Sometimes he does.....lol

[@levinavio2297]

It's never too late when it comes to saving money.

[@bryan_witha_whyy]

Someone with no retirement plan should NOT be paying for anyone’s college.

[@Marven1k]

That’s her kid tf

[@bryan_witha_whyy]

@@Marven1k That kid can work and get loans and has 40 years to pay them off. A parent needs to take care of themselves first or else they will be reliant on that kid to survive.

[@johannesswillery7855]

Absolutely right. College will pay off in a huge way for the child. Especially if they are earning the right degree.

[@pamelacagno2878]

Kids need to pay for their own college. Its not the parents responsibility.

[@bryan_witha_whyy]

@@pamelacagno2878 I’d say it’s a partnership, but DEFINITELY not if the parent isn’t saving for retirement.

[@FortuneSeek3rz]

I come here to listen to people make me feel better about my financials.

[@reniehandler2595]

thats hilarious

[@kevn99]

😂

[@Mav0585]

Lol

[@automnejoy5308]

Schadenfreude.

[@remmyk5834]

I come here to learn what I can do about my financials.

[@kathleenfarris8710]

It’s the “Work until you die” retirement plan.

[@Gonenow2015]

Hey! That's the one I'm signed up for!

[@basspig]

Property taxes ensure this is the case.

[@rocker76m88]

@@Gonenow2015 same!🙋‍♀️

[@johnhennessy7887]

When you stop working you die from the change...

[@Phlfwlr]

Kimberley Hammett I can help you with that and anyone else. Dave is sadly not giving you the right information. Getting out of debt yes absolutely, but retirement should not be in the hands of the market.

[@christopherpaige406]

Stop cash-flowing your adult child, live below your means. You dont NEED a house at a certain price range, you NEED a roof over your head.

[@lynny5510]

I learned that lesson the hard way.

[@laurensquires6324]

Agreeeee

[@TheFishdoctor1952]

That is basically what Dave told her. Did you not listen to the whole video?

[@christopherpaige406]

@@TheFishdoctor1952 yes i did and no he didnt. Did you not read my FULL statement?

[@Pakkerotten]

Amen too that

[@ronaldtrunk7944]

she's actually doing pretty well. there are many who are in a terrible situation with no good job, no house, and building up debt. most people don't start from a 500k home

[@windsongshf]

Agree

[@bettywith2girls]

Exactly! I completely agree!

[@Scorpiomaj27889]

Yeah, in a lot of place you can get a decent small house for $100K, if she can get $200K invested by retirement, a good dividend investment could get her $1500 a month and pray that social insecurity pays halfway decently.

[@shayemoore]

Exactly. She's doing better than most.

[@richstafford1245]

People don’t realize the financial reality of most people. This is a success story of only the dream world where I come from……

[@Justmyopinionlol]

A homeless guy told me he retired 10 years ago.

[@marierika2012]

🤣🤣🤣

[@HC_8]

😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂 funny af

[@justintimemagddelow672]

I believe you. Homeless people are hustlers!

[@percyastronautstatus.8780]

I' was that homeless guy. .....I had to go back to work....spent all my money on young girls

[@fabulouslifeinchrist1349]

@@percyastronautstatus.8780 now you going to have to work again ...smart move..lol

[@ariefraiser140]

Surprised Dave didn't tell her to stop cash flowing her daughter's college. I would have considered that.

[@nikkisultan68]

Arie Fraiser hope her kid appreciates her putting her priorities on hold to help them out with school, and helps her out once she retired. This is so scary. Having no saving at 60.

[@vgrice850]

Her daughter should owe it to her mom to make sure she’s taken care of after retirement

[@juniorj.5108]

Maybe her daughter is going take care of her at the end.

[@ariefraiser140]

@@nikkisultan68 I paid my way cash through school by working at UPS loading tractor trailers and staying at home with my parents for 3 years. I'm the oldest of 5 and we didn't have the money at the time. My parents told me as long as you're going to school and you're serious about it we will support you with what we can whuch was room and board but I had to figure out the rest. So I picked the cheapsest closest quality university and a stem major that didn't require an ivy league degree to get a good job. This was 1997. Seems today every kid thinks they should go to any college of their choice at any cost even if it means taking out outrageous loans or torpedoing mom's retirement.

[@marygigot1237]

My thought exactly. Makes me think he wasn't completely listening. Should have been his first comment

[@colleen.odegaard]

THANKS. Just what I needed to watch. My husband and I are administrators of our farming business and our own properties, as well as small pensions. I am almost 46, my Husband is 52. We have started saving for retirement from the farm and maybe live off rental income, I would really appreciate it if you would do a video on how to earn passive income online and retire comfortably let's say 1 million bucks.

[@stevensmiddlemass2072]

Consider financial planning

[@Curbalnk]

It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into investment advisors for a strategy that suits your timing in this time of wealth transfer.

[@TeresaBrickle]

@Bobby Blue This is exactly what I want to do now too. Can I get access to your coach?

[@TeresaBrickle]

@Bobby Blue Thank you for the lead. I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@bertito43]

If you’re a college student and your broke 60 yr old mother is cash flowing your college you need to grow up and work

[@Whydoyoureadme]

They are studying to get an education? What do you want them to do? Go out and work as a mailman?

[@logan_nowicki]

@@Whydoyoureadme I worked several jobs consistently throughout college, paying for it myself, and I’ve been able to pay off over half my loans in about a year and a half out of school. I don’t get how people aren’t able to work while in school

[@BR-jf6ez]

@@Whydoyoureadme get a job , lots of people work and go to school.. smh 🤦‍♀️

[@DeathBean89]

@@Whydoyoureadme Deliver pizzas, flip burgers, wait tables, be a cashier at a grocery store, etc. There's tons of stuff you can do part time to earn some money to help pay for school.

[@Jen.E]

I'd never want my mom to struggle and work just to pay for my college.

[@arthrodea]

This is making the HUGE assumption she will be healthy and able to work until age 75.

[@caseyj5597]

Sickness and death can happen at ANY age so let's be optimistic that she will be healthy and able to work at 75.

[@SelimxBradley]

@@caseyj5597 I'd rather be realistic and see that the average life expectancy in the US is 78 years old for a woman. Depressing thought that you'll be able to retire for 4 years before you die.

[@caseyj5597]

@@SelimxBradley The original comment wasn't about working and dying it was about health and being able to work which does not depend on age.

[@robertbell525]

My mom never saved a dime even though my wife and I told her, back when we were teens and still dating, to do the 401k and kept telling her for over 20 years. Eventually she got laid off @60. Then health problems set in and she could no longer stand long hours in retail so she took SS at 62 and lives like a pauper. Mom always let life happen. She never made anything happen. Don't be like Mom.

[@shannon2748]

@@caseyj5597 My dad is 75 and can still do yard work, etc. Not everyone is out of shape and haggard at 75. Plenty of 20 somethings are out of shape.

[@PamalaClift]

I work the other direction. Divorced at 61 with no savings. Moved from Florida to middle of Utah .Bought a zombie apocalypse house for $47,500. Moved a housemate in. Morgage is $469 month between two social security checks we can live well with no other debt. Chickens and half acre with clean air and water. Two people don’t really need much. No city stress and retired.

[@Songs-ls2pr]

Good job!!

[@rickyrick9328]

lol yeah good job - having a mortgage in your 60's with no savings / emergency money is super-smart.

[@PeachGirl46]

@@rickyrick9328 she could live to be 90 so it will be paid for.

[@christhomas5761]

@@PeachGirl46 lol

[@Don-hc4gk]

How much $$$ did you receive from the divorce? Alimony?

[@graywilliams_77.]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@sarahmark979]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market

[@sarahmark979]

Jenny Pamogas Canaya, that's whom i work with look her up

[@Sabres16]

Dang,a $200K paid for home,$90K to invest,and a job paying $70K. I would be able to actually sleep at night.

[@mikewillett5076]

I know, right?! If I had that "problem" I'd be doing cartwheels!

[@April19622]

Exactly, I wish I had her problem!

[@martycech5844]

And… she can Stop paying for her child’s college!

[@chevy4x466]

@@martycech5844if she raised her child well, her daughter would not take her mothers money.

[@sarahjaynescott545]

Its still not enough to retire ... she could live to be well over 100.

[@thomasreedy4751]

The sad part is that having to downsize so drastically is psychologically defeating. People need to realize that physical possessions have nothing to so with your self-worth.

[@DoctorSmartyPants]

It doesnt have to be psychologically defeating if you have the right mindset...that it is a stage of the bigger plan. Kind of like dieting to reach a health goal.

[@verisimilitudeteller]

Comes down to, do you want a fantastic house and eat dogfood at 80 or do you want to live in a moderately older house and eat like a human? Gotta always look at the dark side to see why it's worth suffering a little today to not suffer a lot tomorrow.

[@RLSCS]

She already sounded psychologically defeated by the end of the call. I think what Dave said was a hard pill for her to swallow.

[@EyeAmCoa]

Thomas Reedy absolutely

[@CrackberryMe]

Thomas Reedy Exactly right

[@davidwinckel1303]

Im 53 and have a net worth of only $55000. I had a wake-up call at 50 when I realised I had a net worth of $1000. I wont retire a millionaire but will have a lot more than at 50 before changing my money habits.

[@girlygirl1890]

David Winckel congrats to you. I think that is awesome. You should definitely give yourself a pat on the back for coming such a long way. And ...in only 3 years? I know that took some decipline. Tell me....what did you do to get to where you are now? There are soooooooo many people in your 50 year old situation. You've come a long way and I'm wishing you continued wellness and prosperity.

[@DreamChaser415]

How did you do that in 3yrs?

[@indigosun9891]

Please share, how did you do it?

[@fabulouslifeinchrist1349]

I bet extra hustle and/or cutting expenses. I am working on getting another job with more hours and getting a side hustle growing

[@GabrielRosas1985]

You’re gonna do great!

[@TopShot501st]

The irony of a bookkeeper with no retirement at 59 with a car lease is not lost on me.

[@chevy4x466]

That is what the system teaches these days. Debt is good

[@chevy4x466]

@@geocam2 ya, it is a sad state of affairs. We have our home paid off. But raising kids has taken our last nickel every month. And we both have good jobs. Inflation is making things interesting for sure. I predict a rough future for basically all

[@bryan_witha_whyy]

Many bookkeepers are crappy with finances.

[@chevy4x466]

I have 2 more payments on our house 😃. Sadly, we r getting crushed by inflation in our family. We have combined income of 150k, but our household has been running a deficit the last few months. I can only imagine what is happening to most of our neighbors. I am 53 and have never seen anything like this.

[@user-oz9lp1hg6f]

Why do these titles say no money ? She has 290 grand , thats not no money . Thats more money than many !

[@arlenegradney5611]

For real! You got money.

[@gregpatton7266]

This makes me feel REALLY bad. I'm 59 and have lots of debt, small income and NO savings. In comparison to me, she is in great shape.

[@waterheaterservices]

@John What part of Nigeria or Russia or India ?

[@krisa2680]

EXACTLY

[@sheilawiggins8890]

I agree. Do people really have to have millions to retire? These financial advisers get on my nerves,

[@georgewagner7787]

No, they don't, I will retire at 62 but I am sick. He is trying to give her the best advice since she is healthy and can work until 70.

[@last_samurai6690]

@@sheilawiggins8890 I don't think so. If you are in a country with social security for retirees or pension, I think IF your house is paid off so you don't pay rent, you can do well with less than a million.

[@patrickbrussels4454]

Thank you for providing such valuable information. It's exactly what I needed to hear. Both my wife and I serve as directors for our farm business, and we also own property along with our small pensions. As I approach the age of 55 and my wife is 52, we have initiated our savings journey towards retirement from the farm. Our aim is to potentially rely on rental income to support our retirement lifestyle. I would greatly appreciate it if you could organize a live session where you discuss strategies for earning passive income online and achieving a comfortable retirement, with a target goal of $1M.

[@jessicasquire]

you should consider financial planning.

[@Lemariecooper]

It isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.

[@Erikkurilla01]

@@Lemariecooper I completely agree with your perspective. As a newly retired individual at the age of 60, I have accumulated approximately 1.2 million in funds outside of my retirement accounts. I have managed to remain debt-free, and in comparison, the balance in my retirement funds is relatively small when considering my overall portfolio growth over the past three years until the present time. To be honest, the importance of an investment advisor cannot be disregarded; it is crucial. However, it is essential to conduct thorough research in order to find a reputable advisor.

[@patrickbrussels4454]

@@Erikkurilla01 That's truly impressive! I would greatly appreciate some information about your financial advisor. I'm currently seeking to make positive changes to my finances this year as well, and it would be beneficial to explore potential options.

[@Erikkurilla01]

@@patrickbrussels4454 I work with a specialist named *STEPHANIE KOPP MEEKS* . I came across her through a CNBC interview where she was featured, and I reached out to her after some time. She has provided valuable insights and guidance on the specific securities that I focus on. If you're interested, you can easily find information about her online for further oversight. Essentially, I closely follow her trading strategy and have not regretted doing so.

[@mason114932]

I did this. I sold my high price DC home and moved to Williamsburg, Va, and bought a house for 1/2 the price. BEST decision! A lot less stressed

[@EAAAA1505]

I live in MD. I went to dc clubbing over the weekend. Two people came out of the club bleeding whole I was in line and the roads where very crowded and seemed very unsafe. I felt like I was in Baltimore. DC is trash now. Great move.

[@Susan-sn8fx]

I love Williamsburg VA… great choice.

[@MichaelDavis-cj1yj]

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

[@TinaMyles]

I'm surprised you mentioned her name. She is highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. You can check her out online. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market

[@BigORat]

After the kids grow up and move out, you don't need a big house. Most people downsize after the kids leave.

[@doorguru168888]

If you try to downsize in South Florida, you end up living in a bad neighborhood.

[@Mike-lh4wn]

Title is misleading. She has almost 300k in cash from the sale of her home. Just bank that, rent a nice 1BR condo, continue to work/save normally til retirement, and you are golden.

[@openyourmind2840]

Mike S I would probably buy a 125 k house since it’s only her; then move 20k in savings for emergency’s and move the rest into mutual funds.

[@anyexpat]

So she retires, does not own her house and lives for 25 years paying rent with what?

[@Peppermon22]

Bobby Good idea. Rent will only go up and up.

[@InsidiousDr9]

Renting is just paying someone else's mortgage.

[@rottenejl1]

@@InsidiousDr9 No, stop spreading this

[@reesecup6915]

Dave could you start a teenage channel that teenagers can relate to, in order to get them started on the right track?

[@Susan-sn8fx]

Exactly!

[@tonyaukeh7915]

he has a program and it's taught in some high schools

[@aiyshantigreen4164]

Oooo that sounds like a great idea!

[@matthewgardner2144]

But maybe have a younger person run it, like one of his kids or something. It would be a hard sell for teenagers to relate to hard-of-hearing, rage-y Dave.

[@Debbie.Burton]

Recently, I've been pondering retirement. I've also put $800K into the stock market but i'm encountering fluctuations with limited gains. i need an approach that will align with my risk tolerance and financial goals. whats the best approach

[@HarrisRyan-oy8eo]

While the stock market is promising, expert guidance is essential for effective portfolio management

[@benitabussell5053]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022

[@A_francis]

Who is the coach that provides guidance for you? I urgently require assistance; my stock portfolio is stagnating, and I need investment advice for retirement.

[@benitabussell5053]

*Natalie Marie Gentry* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@EverlyndPerez]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@collinw1353]

I'm 53 and moving to a paid for small house/cabin with my partner in a very beautiful part of our country. We have no debts and can easily live comfortably on our pensions when those kick in. We will be living with the basics but we be in a beautiful place and have each other. Expensive lifestyles and material things are overrated. Get off the grid and live cheaply. Focus on love and mental well being.

[@pb577]

Sorry, you had me until the "get off the grid" part. I need the grid. and air conditioning. and internet. and of course, ya gotta flush. I don't need a lot of fancy things, but those things I do need. Oh and my hubby. I need him most of all. :)

[@paultappenden4337]

That's our plan too... We are saving, and maximizing everything. But, we have no intentions of working long hours, when were are older. We want semi retirement early, with part time jobs, because we both like to work. But all we need is "A view, and a coffee maker"....and time with each other.

[@davidjohnston714]

@@pb577 You can still be financially independent without being on the grid don't worry! Both life styles are good if you can save money imo

[@realtonysolo]

Better to go to a small town with less than 50k people.

[@sheilaghmalone3053]

s

[@noisehonk]

She was not happy about the idea of living in a 200K house. Clearly been living life to the fullest (leased cars, expensive home) and this was a tough pill to swallow

[@lovelife7740]

So true

[@jshepard152]

She's lucky I didn't answer the call. I'd have told her to move to a cheaper area and find a $100k condo.

[@crispyduck1706]

maybe but at least she lived

[@ronaldbeck1762]

Retirement is about planning. In the first few weeks of my first job a older co-worker gave me some advise. He said " only work at a job with good retirement benefits " ... I listened and retired at 59.

[@armybeef68]

You can't plan if you've never made good money your entire working career

[@MrLeomelton]

@@armybeef68 sadly that excuse and mindset will keep you in the same situation. Starting off investing small amounts is better than nothing. Go search for local meetups or online groups for beginner investors to listen to there ideas plus hear the same concerns you have. Start a Roth IRA....50 bucks a month is better than nothing. I would get a part time job....if you just invested 1/3rd of each paycheck, snowball effect will happen eventually. Talk to someone about pros and cons of a cash value life insurance policy WITH guarantees. Please dont put this off any longer.

[@ronaldbeck1762]

@@MrLeomelton ... Well said ...

[@leomelton8939]

@@ronaldbeck1762 thanks. i hear this scenario often as an insurnance and annuities agent. baffles me how someone can be 50 and have NOTHING in place for a nest egg & just let senior life just pop up around the corner.

[@Buggu3]

One shoe don’t fit all…. I left a job wit pension n medical for my mental health n happiness

[@TsholofeloEdunBaloyi]

I’m really glad and grateful to God to have people like Dave. I’m 36 years old, nothing saved, working hard to get myself up. It’s people like you who make it possible for people like us to know that we can get back up. All the way from South Africa 🇿🇦 God bless you sir!

[@rose-marielewis4717]

God bless you too and hope everything goes well for you in the future. Wishing you health and wealth.x

[@MrCountrycuz]

I ran into a lady who was traveling in a 100 k mercedes benz rv. This lady told me she had retired from the post office at 60,went to trucking school and drove for ten years over the road. She has no debt and lots of cash and enjoys her life.

[@grocerygoat06]

Must be nice

[@schlooonginator1227]

Why would a single retiree need a house? Buy a condo, a nice condo with little to zero maintenance andhave some cash.

[@CarbonJackal13]

Most condos have what are called HOA fees. Imagine your mortgage is $1,500 a month taxes are $300 a month and HOA is $300 a month. Now instead of only paying $1,800 a month to live somewhere you're paying $2,100 a month. Or, $21,600/yr vs $25,200/yr as an older person which would you rather pay?

[@bettysmith7045]

@@CarbonJackal13 the point is if you sell a house you can more easily cash flow a house, so they would have no mortgage and would only pay the taxes and HOA. The average rent is 1400 plus now, so buying a condo with cash is FAR better than renting. Most people will run out of money renting before they die.

[@MikeBarbarossa]

@@bettysmith7045 Let's do some figures: instead of buying a 200k home, I'm investing the 200K and renting Rent 1600/mo - 800 savings saving from renting (No taxes, insurance, HOA, or upkeep needed) = 800/mo more to rent than own home 800/mo = 9600/yr 200K investment - 5% return = 10000/yr by investing the 200K and renting instead of buying a 200K home, the investment made up the higher cost of rent as opposed to maintaining a paid for house. But in the rent example, you have 200K and in the other you don't. It works late in life So the 200

[@OfftoShambala]

In her area a nice little condo is probably around 250... but that would leave her with a little money to start playing the mutual fund game, but not a lot

[@Darltk]

@Carol Howard Good plan!

[@Aziz__0]

I admire the financial independence of people, But you can live better if you work a little more. After watching this I think there are people out there, on the extreme, who plan to die early just to be able to retire early. To each their own but to me retirement isn't just about not having to work, it's about having the freedom to do whatever you might reasonably want, such as travel, buying things, enjoying life, etc. I don't think I could retire with less than $3m in income generating investments, maybe $2m at the very minimum. I plan to work until I'm at least 45.

[@Mcllwain]

Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving

[@tonicruger]

@@Mcllwain 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 license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far.

[@kurttSchuster]

@@tonicruger I really need professional aid because I'm close to retirement and my portfolio is down over 15% just in the past month alone. It's been that way for the majority of 2022. Could you please suggest this coach to me?

[@tonicruger]

@@kurttSchuster Do your due diligence and opt for one that has tactics to help your portfolio continue consistent and steady growth. "NICOLE DESIREE SIMON"" is accountable for the success of my portfolio, and I believe she has the qualifications and expertise to accomplish your objectives.

[@kurttSchuster]

@@tonicrugerI just checked her out and I have sent her an email. I hope she gets back to me soon.

[@tx2sturgis]

Living in places where the water and the land meet is always going to be expensive....out here in the sticks a $200,000 home is a frikkin palace!

[@schnoodle3]

Not Michigan

[@rfdagreat9207]

She makes $70,000 and is crying broke. I’m scared to know what she calls we’ll-off.

[@paulfly3121]

She is paying a mortgage on a half-million dollar house. There just isn't much left of a $70,000 dollar per year income after the mortgage is paid... In many places you can live quite well on $70,000 a year, but not in that neighborhood!

[@dalekelly7639]

She never said she was broke - just that she had nothing saved for retirement.

[@redcomic619]

Where I live $70k lands you in the 1%. I know what true poverty is.

[@chrisnob504]

It's about how much u save you could make a million a year but if you spend a million a year there you go

[@OfftoShambala]

She doesn’t sound like she’s crying to me... she sounds like she’s questioning whether she should put all her cash into a house or put it into an IRA. Where do you hear the crying part?

[@SoCalFreelance]

Well, to be fair, she built up a lot of equity in her house which she recently cashed out so she did a lot more than many at her age. 300K at 59 isn't great but it's better than most.

[@locchau405]

For someone who does bookkeeping, she’s an idiot. I feel bad for her clients.

[@jeffnoble1218]

FACTS

[@jdlc903]

@@locchau405 is everyone supposed to be a millionaire at 59 ?

[@kimjong-un5562]

@@jdlc903 if u can save/invest around 700k by the time ur 45 u can then stop saving and watch ur 700k grow to around 2 million dollars .

[@kimjong-un5562]

@peter d 2.2m invested should gross around 80-100k in interesr

[@KuyaPow626]

Dave is really uplifting in the way he always has a confident plan no matter how upsetting your situation may be. It makes me feel like theres always a light at the end of the tunnel when his perspective shows that there IS a solution out there, and here are the steps.

[@jeffgraver7205]

I have a reoccurring nightmare about this every week and I’m only 30. So glad I watched this video to know I won’t be in this ladies shoes at 59

[@paulbunyun3663]

you might not be alive

[@arthrodea]

How did Dave not tell her to stop paying for her daughters college!??

[@DoctorSmartyPants]

I think he forgot. Happens.

[@kaseycentanni753]

ever notice he doesn’t follow along too well with these callers ?

[@brm3355]

@@kaseycentanni753 yup

[@greenAbbot]

I think he wanted to keep the focus on the goals--where she needed to be in 15 years and what that meant going forward. If she's really cash-flowing it, it can't be that expensive, and in any event at this point she's made a promise to her daughter. I've made it very clear to our kids how much of college we will pay for, but once they've chosen their college based on that I'm not going to switch in mid-stream and say "Oh, sorry, but you're now forced to take on a bunch of debt because *I* didn't plan ahead."

[@randymorrison1761]

It does not matter She has enough to pay her daughters college and still retire with a million She has nearly 300,000 in the bank

[@stephenpack2202]

I know a lot of people in their late 50s who havnt got $5000 ...

[@KM-nq7ez]

Yep... to me she’s sitting pretty.

[@SerenityNow331]

Yeah, my parents (late 60s - early 70s). It sucks big time

[@bobsilver3983]

My mom is 75 and has nothing and probably has had 3 or 4 million go through her hands. I could write a book about it...I am completely opposite of her.

[@lauradelregno99]

What???

[@evergreen2051]

That's me!! Debt free and broke..but happy!!

[@slickwillie9526]

"Lease" = more car than you can pay for because you want to show off.

[@whatdoyouthinktodd]

YES Sir that's why I drive a 2003 dodge Grand Caravan that I bought new...All of that new car money right in the retirement found!

[@ConradGosling]

I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

[@stevensmiddlemass2072]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@primeramujer2138]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.

[@waltzwalter]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@primeramujer2138]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary “Kaitlin Rose Sternberg" actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.

[@waltzwalter]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly scheduling a call.

[@sharonwilliams271]

Shes in denial of what she can accomplish with her income. She cant afford to do this plan and cash flow her daughters education. A small condo is more practical for her income and age. Shes not going to feel like doing yardwork in her 70s.

[@waterswaters1705]

That sounds like a great plan.

[@sunnyrob5176]

Exactly. I have to do the same thing (small condo). Do I like it? Not really but I know I’ll get used to it and will eventually come to love my place.

[@rebeccashields9626]

100%

[@sunnyrob5176]

Sir We Are About to Die 😂 my mother lived to be 98 and worked until she was 82 (willingly). 60 is Not Old, unless you have a miserable attitude 😉

[@46monkeyes]

Sharon Williams -Absolutely correct!

[@dcamnc1]

She needs to stop paying her daughter's tuition and buy a 150k condo or small house.

[@kingtut4734]

She's the perfect example of keeping up with the Jones' she could've had over a million dollars in her retirement account by now.

[@ironmonkey1512]

what single person thinks they need a 400k house and has 70k income

[@bbrad628]

Eat, drink, and be merry!

[@G31mR]

@@ironmonkey1512 Keep in mind that some areas, as Dave said, a $400K house might be a small shack. Don't know if Florida is an area where that is true, but it may be.

[@factsoverfeelings421]

@@G31mR So she should move.

[@kingtut4734]

@@G31mR if she were in California I'd buy that but not in Florida. No, she's a poser plain and simple. Now she's paying for it.

[@zacharyesparza9300]

I’m 21 and I’ve started 2 separate retirement accounts. I feel grateful that I’ve started early and don’t have to run into these types of issues.

[@julhe8743]

Good for you, make sure one is ROTH IRA.

[@mysteriousjz]

Lol.... yeah it's too early, wait till life will bog you down and will look back and regret how fool you were to be over confident

[@zacharyesparza9300]

@@mysteriousjz not sure if it’s a diss or not to starting early but I feel I’d rather be “too early” than “too late”

[@kathleenhazy6126]

I’ll give you a glimpse into the future with the current choice you made. My husband, fresh out of college, started investing in a 401k with his first job. He had little expenses so he was able to put a decent amount, plus a company match, into it. Because he started young, he continues to invest and the contributions aren’t painful. He’s put himself into position now for a 3million+ retirement account, somewhere in his early 60’s. He’s 45, and has a way to go but his financial future is solid. You’re young, life will undoubtedly throw you some curves, just keep investing, even if it is small at times. Believe me, you’ll be thanking your younger self for a very smart and wise decision. Best of luck to you.

[@zacharyesparza9300]

@@kathleenhazy6126 Thabk you Kathleen for the words of wisdom! It’s always great to hear a perspective from someone with more experience.

[@austinpatrick2682]

Even when the person's situation doesn't relate to mine at all I still enjoy watching Dave solve the puzzle and make a plan. No matter what your profession, problem solvers succeed.

[@localone1597]

First thing I would suggest, and I'm no financial planner, but the daughter needs to be looking for scholarships. She needs to make it her job to find as much money as possible.

[@lifeandpsychology450]

The sad reality, she isn’t going to do what he said

[@jeanettejamison1045]

You don't know

[@JoseMora-wc5zz]

@@jeanettejamison1045 oh but he does.

[@Susan-sn8fx]

She just might.

[@MrFunkadeIic]

She doesn't have to. If you make $70K a year and can't figure it out, that's on you. She can easily live on $25K a year and do whatever she pleases with the other $50K. Hopefully to further her retirement options

[@susantam9949]

By the title, I thought she was broke at 59. Instead, she has $200k in the bank. She’s doing better than all of us combined.

[@bellbottomblues131]

Exactly!

[@ericshang7744]

her networth is around 250k, which is not bad at all. her problem is that approaching retirement, asset rich but cash poor, that's why she must create some cash asset bas that she can draw on.

[@hugy]

520k for the house and 210k in savings.... she's good for retirement.. I dont see the big deal.

[@hunkydude322]

lol.

[@2Greenlid]

All of who combined?? That’s not a lot of money...sorry but I’m better off than that since I was 30 years old...my net worth crossed a million in my mid 30s, by the way my dad was a sergeant in the Army, no trust fund baby.....

[@TheTurdballs420]

A lot of people with baby boomer parents will be receiving this call very soon

[@DJ-ix7gf]

Jim Smith yep 👍🏼 LUCKILY my baby boomer dad forecasted his generation’s catastrophe and set me up with a Roth IRA when I was 17 and talked to me about money when I was young. Thank goodness. He however did not take his own advice.

[@UDeMaio53]

@@DJ-ix7gf I've seen a lot of boomers having to move in with their kids around NJ.

[@katieonlyusernameavailable]

I have 2 friends with boomer parents having to deal with their complete lack of retirement savings and heavy debt load. We’re going to be hit by a tidal wave of these people.

[@daughteroftheking1222]

My parents are this age. I'm worried about them. I can't really help them right now though. They're constantly talking about which cards they can use, what loans they should get, how behind they are. I will NOT be in their position at their age!

[@alexeialeksandr7606]

Yeah 😔

[@46monkeyes]

Why buy a 400K house at the age of 70+? And why is she still enabling her daughter through college? I don’t understand those things.

[@randomvideosn0where]

Her daughter might be grateful of the help getting through college, and take care of her mom once she's got a good career going and started saving for retirement.

[@Excalibur2]

"enabling" - as if this is a drug addiction.

[@randomvideosn0where]

@Chris Ev I know that's my goal. My parents helped me and I have life insurance plus ever growing savings they will get if I die, or I will be able to help them financially when they need. Longer term I will also probably end up helping my sisters but I can only save so much.

[@46monkeyes]

ScarletNight -Enabling does NOT just have to do with drug addiction!

[@conniemurphyover70stillgla47]

I TOTALLY AGREE

[@mikestevens2053]

I’m blessed to have parents who instilled delayed gratification, investing for the future, living modestly, etc., when we were young. In your 20’s it’s hard to see 60. But here we are, comfortably retired and able to help others going through various trials of their own

[@SevenDeMagnus]

Definitely a tale of caution but there's life there's hope- pray for my success. God bless, Rev. 21:4

[@SirPokemonX]

Bless your heart Dave. My dad is 59 in construction and needed to hear there is still hope. Love what you are doing for so Many

[@sunnyrob5176]

Cody Ackles there is still hope! 60 is NOT old. I work with people in their 70s and early 80s even!

[@lorrainea.285]

Sixty is OLD AF!!!!!

[@SirPokemonX]

@@lorrainea.285 In the construction field yes. Overall. Hopefully not.

[@timmiller6540]

60 is not old at all if you have been excerciseing and eating healthy.

[@miniliebenberg9644]

Cody Ackles 59 is the new 49 ;)

[@dexterm1285]

I feel many people people will be in same situation at 59 unfortunately.

[@JonnyBeoulve]

For millennials it's going to be a huge catastrophe. Most of my friends are still in debt in their early 30s and aren't investing.

[@leahmcdermott4189]

JonnyBeoulve Depends what kind of debt you’re in and what country you’re in. Most people still have student loan debt in their 30’s. I’m from the UK and 83% of students will never repay they’re full student loan and will carry them until they die, but that’s because the conditions are different here. Minimum payments here are nothing (around 10-£125 monthly typically) and you don’t pay until you earn over 25K a year and if your income falls below that, repayments stop. The way it’s designed, you’re not really ‘meant’ to pay it back fully. I believe they don’t want you to. So I’m good as long as I’m completely debt free (minus the student loan) 🤷‍♀️.

[@93mlo]

@NurturingTalents why no student loan debt at 30s tuition is going to increase again next year so how are people expective to not have student loan at 30s if tuition and cost of living keep increasing while wages remain low?

[@camillemurphy73]

@@93mlo Exactly!

[@leahv5892]

Dexter M. People will be in WORSE situations at 59.

[@nehemiahstewart]

How old is this daughter having her 60 year old mother paying for her education?

[@Cassiopea56]

Some people have kids late, my mother was 41 when we (my twin and I) were born ,putting her right around 60 when we left for college

[@Hootowls5]

@@Cassiopea56 I'm 54 with a 17, 19 and 23 year old. I'm curious about her college students age as well.

[@AMarie_USA]

Yes, no one paid for anything when I went to college, not even my books. I had to take out book loans was how broke I was but I did it. People have their lives backwards.

[@run4cmt]

@@AMarie_USA No kidding, the kid should be paying for their own college. They can live at home and go to a local college.

[@wetcrow_com]

I retired and moved to the Philippines 8 months ago. I only use 1/3 of my pension money. My female partner and I also started a small grocery store and in 7 months already bought an income producing property that will be paid off in 5 years. I sold my car in the US and bought a tricycle in the Philippines, mainly for carrying groceries that we sell from the distributor. With the lockdowns, it was better to be busy than sitting on our duff. We meet people every day and enjoy life every day. I also do contract programming remotely and make more money, which I use to pay off the real estate. I purchased a house for under $10K, so expenses are very low. Yes, you have many options.

[@girlygirl1890]

Tom Psillas wow. I am happy for you and your partner that you are able to thrive. Thank you for leaving your post to let people know that yes...there are ways to make it work on low income. Thank you and blessings to you. : )

[@bobparona6543]

Awesome bro

[@pep590]

Way to go Tom!

[@AnnMitt]

She should move into senior apartments. Just rent a small 600 square feet apartment.

[@sl4983]

Usually they're HUD apartments. Income based.

[@vision1707]

She wants a 300000 range home, supports her kid college tuitions, 70000 salary a year, for yer own business. This lady got money.

[@sl4983]

@@vision1707 I know right poor lady

[@sl4983]

@E W Wow, your mom was smart!

[@cohenfromdiscord2551]

@E W Yeah. I think rentals is a nice play for persons with low cash reserves getting close to the age of retirement. I'm not surprised Dave didn't mention this because he likely view a rental as an investment thats too speculative

[@smacdiesel]

My mother was in a similar situation. She worked her whole life and died at 75, no retirement. I didn't know until after she passed, but the only real investment she made was a life insurance policy that went to me and my brother. Thanks mom.

[@queenofdahouse1591]

smacdiesel You have my sympathy. Happy she provided for her children.

[@jeffrichey3623]

Well, you can't take it with you. That she looked out for her kids as a primary concern in life shows her true net worth.

[@chevy4x466]

Sorry u didn’t get what u hoped for

[@carolmaz8675]

She looked after you both with this x

[@AnnaM4117]

I read the title and as a child of a 59 year old parent, whose mobility is degenerative, I got stressed out. It reminded me how long it took them to snap out of it and take aggressive actions to get their finances in order. This particular parent knows they’ll wind up living with me. I’m thankful that they now understand the importance of relieving me from any additional stress in my future care-taking of them.

[@nightreader1264]

I did not even think about retiring until: my house was payed off and I qualified for my state pension.

[@trailrunnah8886]

I don't get the obsession with owning a home, especially not "moving up in house" in one's mid 60's. I agree with all the small apartments and senior living comments. Even with zero mortgage, houses can be money pits.

[@willgaukler8979]

....just when you get to retire and just play house...you either get sick or just no longer can keep up with the property...ready for a nice condo soon...

[@carylhalfwassen8555]

Michael Smith In the area where she is living now she needs hurricane insurance which is hefty, in addition to standard home insurance

[@irishcladdagh3]

I dont ever want to own a home...too much of a commitment and huge cost aside from mortage....im 50 single live in a studio apt and only have student loans to pay...no mortage no car payments no credit card debt live below my means and I only make 20k a yr...I keep an emergency fund always and just pay my monthly bills and student loan payment and every month I still have enough to save on the side 💜

[@nealinnc]

I could never live in an apartment. I don't want to live on top under or next to anyone. My house will be paid for when I retire. Taxes insurance and maintenance will still be less than the cost of a nice apartment. My kids and grandkids and their families can come visit and we are comfortable.

[@laurenandreas5950]

@@ArtemisSilverBow ...A Condo also has equity. I’m sick of people buying a house and being too lazy to keep up the house or yard but “They want a house”!!! They bring down the whole neighborhood! If you don’t like yard work, Please buy a condo!!!

[@Kenwood..]

I was expecting something else, she has waaaaay more money than most.

[@mikeblaz]

I agree. Not sure why she's even worried....

[@1BABartz1]

She has no home.

[@DigitalBridge.]

They have to use clickbait to get you to watch the video.

[@pm2886]

No she doesn't. At 60 she should have a paid for property, and no other debt. She should be able to semi-retired at this point.

[@Kenwood..]

@@pm2886 you aren't aware of the nation's problem are you?

[@adamsaldana5462]

I love these game plans that dave comes up with for the older callers.

[@noseefood1943]

41% of Americans don’t have emergency $500. Nuff said...

[@Brsrafal]

is that really true

[@jordanruth0809]

I’m 44 and I’m going to apply this plan now so I can better plan for my family and myself. Good advice. I hope she adheres to this because I sure have.

[@ChrisMFlorida]

Dave was sleeping on the "cash flowing my daughters college"

[@Aigentcy]

A daydream fantasy

[@karenhardie1132]

Dave paid for all 3 of his kids college.

[@JamesJamersonIsAGod]

Yeah, depending on the schools cost that could be a huge amount of money. Unfortunately her daughter is going to need to pick up the lions share of payments, she has a lot more time to take care of the debt. It won’t help her daughter any that if in 10 years she get sick and is unable to work and now the daughter is what? 30? Starting a family of her own and now needs to support her mom 100%?

[@helenaroxbigtime]

I think it’s bc that’s not the real problem that is a symptom

[@13ikea]

If she can afford it comfortably i don’t see the problem. Student loans put people behind the curve after graduation.

[@financewithparkes1401]

Dave's reaction to the car lease at the beginning... "Oh good lord" 😂

[@BLACKHEAT1028]

I have always read or heard that you can ask your child to pay for their college education but can’t ask them to fund your retirement.

[@paulbunyun3663]

biden is paying off student loans in other words im paying off peoples student loans

[@classycassie1118]

Rent spare bedrooms in the house to pay it off faster.

[@needbailout]

Cassie Best Ever! I'd be careful renting rooms, there's a lot of psychiatric issues, drug addicts, and people intentionally ready to cause problems from the get!

[@doorguru168888]

Never let a stranger move into your house. They can stop paying rent, and you can't get rid of them easily. The legal system supports their rights.

[@davidb8777]

That look of pain on Dave's face when she mentions both no money saved for retirement and leasing a car.

[@pb577]

Yes, leasing is for fools.

[@lolita748]

She's doing waaaaay better than so many!! Nothing saved for retirement? You've got to be kidding!!!!

[@kevincowan2639]

If you can make it to 50 without saving a dime then your STUPID!

[@fredericknewman5398]

yes since when is $290k nothing?

[@fredericknewman5398]

@@kevincowan2639 can happen easily. life throws us many curves. ignorance is right up there with stupid

[@kevincowan2639]

@@fredericknewman5398 I understand man tbh I think my dad is in that boat but he’s to proud to ask for any help

[@jamessamy]

Great message Captain Dave. I am going to wake and go with your plans. Thank you 👍

[@jeanlenor1858]

Broke people living in a 500k house OMG!!!

[@leahv5892]

jean lenor well and she has $200k AFTER her house sells? That’s good right? Right?

[@LindseyObrooke]

You call 70k a year and over 200k from selling broke?? Get bent. She's ridiculous for not saving any money on 70k a year. She can live a great life and have a good retirement still.

[@jeanlenor1858]

@@LindseyObrooke She's old... Doesn't that change her status?

[@LindseyObrooke]

@@jeanlenor1858 She could still have 40 years life left, and 20 workable ones. At least 15 if she stays in good health. What status??

[@jeanlenor1858]

@@LindseyObrooke I mean her financial status. If she was young with 200k in net worth, we d call her rich or on her way there. But, she's old. Her best earning potential is behind her.

[@NickPeitsch]

This is exactly why learning financial freedom at a young age is SO important! Save, invest, and repeat. This is the key to financial freedom.

[@markwhittaker6866]

Great advice.

[@Phlfwlr]

Copy and Paste Invest in Life Insurance and Indexed Annuities. You cannot lose money with either not even when the market crashes. Read the book the the Power of Zero.

[@mariemedeiros5672]

Parents started teaching me to save since I was 16 and never buy what you can't afford to pay.

[@Gonzo_Bubb]

The way he was taking apart that pen in the beginning had me rolling

[@wanelly]

Take the 300k @ hand: buy 2 townhomes. Live in one and collect rent from the other one. Done, solved. As for the daughter, too bad. she should carry her own tuition load.

[@timeapenzes1793]

Listening to Dave's talking is very wise and I eye opening...but, Oh boy!...reading the hundreds of comments just as much entertaining! This show wouldn't be complete without you guys! Keep up the good work and keep commenting! Greetings with love, from over the pond! ♥️

[@jennross2241]

EXACTLY. Thinking anything else is a joke.

[@tongl274]

Can we all have a moment of silence for Mary and wish her goodluck.

[@sarahpatterson390]

I'm retired with over 3.5 million networth, I've always loved the FIRE movement but the FI part is most important. I'm so happy I made good decisions about my finances... You can do it too

[@stevewilliams1213]

Wow!! This is real good

[@lindabarbara9644]

You did great ma❤️ I would love to get to this stage, can you help me out ?

[@linapesz313]

@@lindabarbara9644 how she should help you out?

[@linapesz313]

Congratulations 👏 👏 👏 👏

[@sarahpatterson390]

@@linapesz313 thank you

[@GeorgeJazzVideos]

All those commenting in judgement as to why someone at this age doesn't have much money. Let me just say..you think you are fine because you have lots of $$? Good for you, but let me say this.....God forbid you get profoundly ill, or someone in your family gets profoundly ill, or your parents need 24 hour care for years, or the dollar crashes, or your house burns down and the insurance won't cover it....and on and on... I hope nobody has to experience any of that....because only one of the above can destroy that self assured confidence that you are financially sound. Judgement is an arrogant fools game. We are all one catastrophe away from losing everything.

[@brendaechols2228]

Yep and you can have billions and it cant cure your stage 4 cancer.

[@cliffordlevy3918]

I live in Canada. I've had 3 surgery's since moving out. Didn't cost me a cent. Good luck with all the "freedom" you guys have.

[@godisgood5038]

WOW!!! WELL SAID!!! SO VERY TRUE!!!!

[@baronvonchickenpants6564]

Divorce is one

[@gracenmercy579]

Well said!

[@iukeay]

She needs to manage her own books :D

[@retiredmanager510]

I wouldn’t let her near my books.

[@tifking73]

😂🤣😂

[@CrackberryMe]

iukeay 💯 when she said she was book keeper I was like 😳

[@DJiMike1]

🤣🤣🤣

[@lenas5613]

Stop talking and listen more lady.

[@rbkrishnasarma]

This is good tailored advice-she's a work hard individual that needs to be in the right direction! I have faith in her

[@johnvickers6280]

I did the Dave Ramsey thing , l am debt free all my land , home everything free an clear God bless Dave

[@Musashi246]

290k in the bank, 70k/year. Broke?

[@dalekelly7639]

Who used the word "broke"?

[@StaggerLee68]

Boomers whining again, I just puked a little bit.

[@michellerichardson3090]

I thought she said once she sells the house she'll have that much

[@karliegilbert3917]

I have $3,000 in the bank and I thought I was doing well. 😂

[@rds990]

But with that 200k in bank she has no home.

[@mle011]

Living in a $500,000+ house for so long, she's gotten used to that standard of living. I don't see her buying a small 1-bedroom condo or a $150-200k shack, she's not going to be happy about moving down in house.

[@jacquelineglitter4328]

Im 59 and I'm on disability. My home is almost payed off. I don't have a lot of bills and I'm doing ok considering my low income.

[@goofygirl1311]

I would love to hear an update from this lady and see how things have been working out for her.

[@FreeAgent797]

She says she has nothing, but has 290k saved up. Am I missing something here??...I mean, it could be more, I understand that. But she is definitely not in the poor house with that kind of money in the bank.

[@ECmom]

She just sold her house tp pay off her debt and that’s what’s she has left with. Now she needs a place to stay.

[@esvareinmal1041]

Just move to cypress Texas houses are cheaper and jobs are available, after all once you close the door on you America is pretty much the same, same Walmart same pizza delivery time and same gas stations ⛽️. Leave Florida it is over rated.

[@JeremyBlant]

My family recently moved to Cypress from Denver. We've been in the area for a couple years now also. Seems better than a lot of places I've been to across this country.

[@esvareinmal1041]

Jeremy Blanton , welcome to town new Texan :) , I forgot to mention that school rating is outstanding compare to lots of places. Wish u al, the best Jeremy 👍🏻

[@leahv5892]

Yeah because hurricanes bust up Cypress every few years. I live in Brenham and people from Houston and flooding in.

[@elgreco7775]

I would never move to Texas, not only hurricanes & flooding, but 4th highest in the USA on property taxes ( I googled). A decent home to buy isn't cheap either. I didn't look up rentals since I'm a homeowner in beautiful California & not moving anyway

[@esvareinmal1041]

Dear Renee , I understand you well but really living in many places in this land is kinda overrated, we can predict weather but really can’t stop fire or floods from reaching our homes, my next door neighbor is from California and I couldn’t believe her when she told me that she sold her property in LA ( small Appartment) and bought 3 houses in cypress! Average brand new homes here is about 200K on ward. As a pilot I had the privilege of scanning North America from door to door and what matters the most is how much my dollar can do for my kids in education, health and safety. I’m extremely poor if I live in NY or California, instead I decided to save all that future spending money toward my children future. I wish if I can afford living in Switzerland if u ask me what is the best place to live in 😁👍🏻. Cheers

[@fdm2155]

I'd be looking to go as small and inexpensive as I could. Will you really want to do the maintenance on a larger home as you age?

[@Madlyn55]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>

[@AudraZapoticky55]

Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?

[@LisaSeigfried33]

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,

[@user-uu2rh7iu1u]

how do I get in touch with this consultant that assist??>>>>>>>

[@LisaSeigfried33]

STEPHANIE KOPP MEEKS, that's whom i work with look her

[@user-uu2rh7iu1u]

Thanks for these recommendations.....,,,>>>

[@emomuzz5883]

Dave is "the man". If you live like a rich person U R going to B poor. Live like a poor person for a little while and the rewards can be great.

[@StevenAllotey]

expensive car lease and 500k home but no retirement savings or investments

[@eckankar7756]

I was thinking all the retirement funding ended up at the liquor store.

[@countdown2xstacy]

What about the “I’m cash flowing my daughters college” part? 😳

[@luanntexascitizen4345]

I thought this was going to be about a woman with no resources. She has alot to work with. I'd like to hear a plan for 59, disabled, $1500 per month to live on and no retirement, because medical bills left me broke. How do I get into a paid for house by 'retirement ' age? That would be great information.

[@krisa2680]

Agree! Let's hear about a REAL PROBLEM!!!

[@KabobHope]

You don't. Get a federally subsided apartment for 62+ or disabled. It will cost you 30 percent of your income and because the community is older it is generally safe.

[@fredericknewman5398]

omg these are click bait. this lady has 300k. this show is pathetic

[@georgewagner7787]

You should try to call in to the show and ask