MEGA ROTH 2023: How To Make A Million Tax Free

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[@kurtKking]

This is such an important topic. I have family in FL and TX and I tell people all the time not to fall for the no income tax narrative. Both of these states have no income tax and my relatives always complain about their absurdly high property tax, sales tax and other various fees. You have to look at the total tax (and fee) picture, not just income tax.

[@donovantobs]

For sure! You need to think about all the taxes and fees, not just income tax. I think financial advisors can really help by looking at your whole financial picture, cutting down on any extra costs, and finding ways to handle property taxes smartly. This can take a load off homeowners, especially in places like FL and TX where taxes can be a bit tricky

[@AmithKaury]

You're absolutely right about the importance of having a financial advisor. When I moved from California to Texas as a businessman, my advisor handled stock trading for me, which enabled me to buy two homes valued at $1.8 million using the profits. Although Texas property taxes are similar to California's without Prop 13, not having to deal with California state income taxes has greatly boosted my financial situation.

[@rachelonigirl]

Despite the ups and downs in the stock market, you've managed to turn your investments into good profits. Could you share the name of your advisor? I have $300k saved up and ready to invest. Letting money sit idle isn’t my style as well, I’d rather put it to work and keep it growing.

[@AmithKaury]

She is well known as - *GRISELDA ELENA JEMMOTT* . please do your own research.

[@rachelonigirl]

Thanks, I found it. I booked a call with her on her website, her résumé seems pretty tight.

[@RobertEarlis]

Thanks for sharing FET and AMS89H. 💯

[@fgghvcggvvb]

AMS89H IS HUGEEEE!!!! 😎

[@SonalMohite-hh5fd]

It will soon all over the news

[@SandeepChauhan-mw6un]

really good project

[@madarsabjorammanavar6818]

Why everyone is talking about AMS89H?

[@Shubhamjadhav-ss3kp]

When the world knows this, we already x50 🚀

[@leondonald]

The utilization of after-tax money and tax-free growth makes opening a Roth IRA very advantageous. Through a careful guidance of my FA, I did not pay taxes on my withdrawals of $2.86 million when I retired.

[@donna_martins]

I don't regret the numerous financial mistakes I've made in the past since I've learnt from them. But the biggest one was planning my finances without consulting with a licensed financial counsel.

[@Robert_Seaman]

Indeed, I did make use of a financial counselor. As I get closer to retirement, their advice has been really helpful. I thought compound interest on index funds wouldn't be sufficient because I started late. It's amusing how I've done better than colleagues who have more years of investment experience. I've profited more than $886k tax free.

[@DavidRiggs-dc7jk]

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

[@Robert_Seaman]

Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@DavidRiggs-dc7jk]

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

[@ClaudiaSchreiber-b1p]

I lost a fortune investing in flunk companies. I'm currently liquidating, compiling and picking stocks that l'd love to hold on to for a few years before retirement, am I better off sticking to Gold as it seems stocks are a little too unstable right now.

[@JBHus]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@ErinWarner-zc9jy]

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

[@DanielOrstein]

impressive gains! how can I get your advisor please, if you don't mind me asking? I could really use a help as of now

[@ErinWarner-zc9jy]

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

[@angeladeem2988]

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

[@SaintYvess]

I need to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K from my cash savings.

[@FelineAirstrip]

Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.

[@sting_grayl]

@@FelineAirstrip As a high income earner can you easily afford to contribute max of $22,500 to your traditional 401(k) and towards retirement? What is your Federal Tax Bracket and percentage of company match? I f you don't know all this then its best you consult with an advisor.

[@SaintYvess]

pls who's this person? how can i reach them?

[@sting_grayl]

@@SaintYvess *Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@SaintYvess]

Thank you for the lead. I searched her site up and filled the form and scheduled a call.

[@NicholasBall130]

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

[@StocksWolf752]

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

[@StacieBMui]

Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)

[@cowell621]

Could you possibly recommend a CFA you've consulted with?

[@StacieBMui]

Her name is Rebecca Nassar Dunne can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@BateserJoanne]

I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@AlfieArchiei]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

[@GabrielAnthony-09]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@AlfieArchiei]

@@GabrielAnthony-09 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@GabrielAnthony-09]

@@AlfieArchiei My advisor is Victoria Carmen Santaella

[@GabrielAnthony-09]

You can look her up online

[@GabrielAnthony-09]

Nah I Can't say I can relate, Victoria Carmen Santaella charge is one-off and pretty reasonable when compared to what I benefit in returns.

[@PremSteve-yg4de]

These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?

[@yolanderiche7476]

I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.

[@fresnaygermain8180]

This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolioportfolio

[@belobelonce35]

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?

[@fresnaygermain8180]

Sharon Marissa Wolfe is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@edelineguillet2121]

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look her up and send her a message. You've truly motivated me. Thanks.

[@EnriqueCarrasco-z3j]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[@ErikaBailey-x8g]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.

[@SlavoPetrovic]

It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro. Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@GrandtHudbosky]

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?

[@SlavoPetrovic]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@KevinAnderson-g1q]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@matturner8]

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars

[@emiliabucks33]

I bet you didn't do that without a financial advisor. I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who have been investing for many years.

[@matturner8]

Haha. I definitely didn't pull that in myself. I knew next to nothing in finance. A good financial advisor really does make a lot of difference.

[@Johnlarry12]

Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@matturner8]

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

[@Johnlarry12]

I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.

[@LenaSchweizer-ff8xy]

Still with Tesla stock, investors can never be sure what will happen next, bearish periods ultimately establish a new set of stocks to buy and watch while setting the stage for a robust new uptrend. I have been reading articles of people that grossed profits up to $250k during this crash, what are the best stocks to buy now or put on a watchlist?

[@ElliotFelix]

For the average individual, the tactics are rather demanding. Actually, most of them are effectively completed by professionals who possess the necessary knowledge and skill sets to carry out such trades.

[@AaronZak-js]

Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k.

[@Brennanoliver775]

I am saving money for retirement, and I lost nearly $9,000 this week. Who is this person who is advising you?

[@AaronZak-js]

@@Brennanoliver775 I work with Alicia Ann Jordan, a licensed fiduciary. Simply look up the name. The information you need to work with a letter to schedule an appointment would be included.

[@AaronZak-js]

@@Brennanoliver775 One of the fiduciaries I deal with is Alicia Ann Jordan. Just check the name. There would be a letter with the necessary information to set up an appointment.

[@cloudyblaze7916]

This sounds big. I really want to profit from the market this year. I have about $40k I want to invest in the market. My brain doesn't do very well in understanding these things. How else could I utilise the market opportunity?

[@mohican-jx6fx]

I suggest you focus on two key objectives. Learn when to sell stocks to minimize losses and maximize gains to start protecting yourself. Second, prepare to make money when the market turns around. I advise speaking with a broker or financial counselor.

[@ericmendels]

This sounds like something I would want to do. When you say broker, do you refer to hedge funds?

[@mohican-jx6fx]

Hedge funds are good, but because of their scale, they are quite bureaucratic. The majority of independent financial advisors are available online. For example, Sharon Louise Count, with whom I collaborate, has a webpage. There must be more excellent ones. just do your research.

[@gregorywhem]

I believe the market still has a long growth this year!

[@undercoverpotential]

Sharon Louise Count got addicted to crack

[@tmer831]

The utilization of after-tax money and tax-free growth makes opening a Roth IRA very advantageous. Through a careful guidance of my FA, I did not pay taxes on my withdrawals of $730k when I retired.

[@SteveDutton-v]

The utilization of after-tax money and tax-free growth makes opening a Roth IRA very advantageous. Through a careful guidance of my FA, I did not pay taxes on my withdrawals of $730k when I retired.

[@DavidCovington-st2id]

Indeed, I did make use of a financial counselor. As I get closer to retirement, their advice has been really helpful. I thought compound interest on index funds wouldn't be sufficient because I started late. It's amusing how I've done better than colleagues who have more years of investment experience. I've profited more than $586k tax free.

[@mikey43221]

Please who is the consultant that assists you with your investment and if you don't mind, how do I get in touch with them?

[@DavidCovington-st2id]

“Vivian Carol Gioia’’ You can easily look her up, she has years of financiaI market experience.

[@mikey43221]

I find this informative, curiously explored Vivian on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated

[@dianarabbanii2]

I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.

[@TariqSinghKhan]

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.

[@NatalieFormor]

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@JuanCarlos_J]

I want to invest roughly $70,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?.

[@MiquelMorterero]

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

[@RicardoMontilla185]

I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her

[@Ardy9908]

Shhhh boomer be quiet

[@steveandrews512]

I think NVDA has a lot more to run up. I have about 450 shares and I'm not worried. Good luck 👍🤞

[@ChrisV343]

Spam post

[@CarlShanklin]

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or diversify ?

[@NatalieFormor]

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

[@ClaudiaSchreiber-b1p]

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

[@Robbertskypes]

impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now

[@ClaudiaSchreiber-b1p]

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@Dantursi1]

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.

[@michaelschiemer3]

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?

[@michaelschiemer3]

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.

[@Patriciacraig599]

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@Robertgriffinne]

It's best to seek an advisor right now, unless you're canny yourself. As a business owner in both the service industry and eBay reseller of all product categories, I can tell you we’re in a deep recession and everyone is running out of money.

[@Christine-ce4xo]

I agree, that's the more reason I prefer my day to day investment decisions being guided by a investment-advisor, seeing that their entire skill set is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a investment-coach for over 2 years+ and I've netted over $900K.

[@Patriciacraig599]

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?

[@Christine-ce4xo]

She goes by 'Julia Hope Marble ''. I choose to delegate my excesses to her because of her great expertise. I suggest you look her up. To be honest, almost didn't buy the idea of letting someone handle growing my finance, but so glad I did!!

[@PhilipMurray251]

Thank you for sharing, I must say, Linda appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.

[@OliverTilney]

I usually look up your videos for updates! Our government has no idea how people are suffering these days. I feel for people with disabilities not getting the help they deserve. Thank you CMA, imagine investing $12,000 and received $305,500.

[@KimberlyWillowWood]

I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 150K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities

[@OliverTilney]

Cynthia Alexandra McClure, who also goes by Cynthia. A.Depken, Cynthia Alexandra Jackson, is a registered financial advisor currently at U.S. BANCORP INVESTMENTS, INC. located in Charlotte, North Carolina. I have use her for years and my investment has been profitable.

[@OliverTilney]

Cynthia Mcclure Alexander .She is well known; you ought to look at her work.

[@OliverTilney]

Cynthia Alexandra McClure, who also goes by Cynthia A Depken, Cynthia Alexandra Depken, Cynthia A Jackson, Cynthia Alexandra Jackson, is a registered financial advisor currently at U.S. BANCORP INVESTMENTS, INC. located in Charlotte, North Carolina.

[@LeslieWagenheim]

Helpful conversation! I'm a beginner in stock. Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@nicolasbenson009]

Wealth/Success is dependent on the action or steps you take to achieve it. Show me a man who doesn't have an investment and I will tell you how soon he'll go broke. Investment is building a safe haven for the future: with the right choices of investment that has minimum risk and with an Expert guidance, profit and interest should be guaranteed.

[@ScottKindle-bk3hx]

Exactly ! That's my major concern and what kind of profitable business or investment can someone do with the current rise in economic downturn.

[@RaymondKeen.]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@DorathyJoy]

Could you possibly recommend a CFA you've consulted with?

[@RaymondKeen.]

My CFA ’Margaret Johnson Arndt’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@KarenLavia]

I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her

[@velayuthman]

There is also no earned income requirement to convert to a Roth. As long as you have a balance in an IRA, in theory, you can keep converting to a Roth as long as you like. so i can perceive the preference for 401(k)'s, I still want to know how best to compound at least $2m in retirement savings.

[@WES_5150]

$2M? For what? You plan on living the rockstar life when your retire??

[@METVWETV]

​@@WES_5150 You're kidding right?

[@WES_5150]

Im absolutely not kidding. If you need anywhere near that amount of money to retire, then you have 1. Set a lifestyle for yourself that you are not or can not back off on for some reason - and thats on you... and 2. you must not have been contributing to Social Security, or have a pension coming. @@METVWETV

[@robertadams1558]

@@WES_51502m is nothing for retirement

[@Aortadetroit]

2 mill is nothing now. Many financial advisors are budgeting $5k a MONTH for healthcare costs alone.

[@ina-Marine902]

Your videos has been great !! I am part of your viewers and i’ve been watching your videos lately. I’m interested in investing but I still can’t figure out the right investment to engage in . I’ll appreciate any help out here.

[@Andres34566]

Yes, it's true, there's been a lot of talk about investing lately, but I'm new and also curious how I can get started. Can anyone explain how to invest and how to get started ?

[@ina-Marine902]

Amazing, such an amazing information you got. Can you share more details on how to get in touch with your Financial Adviser? Like I said , I’m very interested and will start if I can get help out here.

[@dalilaohb86]

I will say this Save , Invest and Be Frugal. It’s not important when you start but what you achieve in the end that counts!! I’ve been investing for long and will say comfortably that it is the best decision I’ve ever made.

[@Anais456]

The platform (KZbin) has been a great help, but I don't think it's enough, since most people don't easily understand what they watch, but they learn quickly when they have someone to guide them. And the idea of hiring a professional has been a great experience for me as it has helped shape my finances over the years, thanks to this my retirement has been great!! You should give this experience a try too.

[@gomezfernandes662]

What differentiates the poor from the rich is what both do with the information they obtain. While the poor doubt almost all the information they find, the rich get rich doing things that the poor did not do when they get information. Work with a professional who is ready to help you succeed

[@godfreymashale9323]

Fortunately, I had a college economics teacher that taught me a lesson at 18. That lesson was: for every huge, frivoluos purchase you make, you need to have an investment double it's worth, this doesn't necessarily mean you should always invest when you make a purchase, it simply means living within your means. Varied sources of income is wise and especially like i said, living within your means. Whenever you're about to make a huge, dumb purchase that doesn't add value think about taxes and how you get your income. I made $272k combined net last year and paid no Federal taxes.

[@tylerforeman667]

Right there with you. I'm retiring early, no debt. Kids are taken care of. Building my dream home on 11 acres, looking over the river valley. there are loads of ways to make a killing right now, but such high-volume near impeccable trades can only be carried out by real-time experts.

[@donaldlocher2537]

Inflation is over 10% here in the UK, but as we know it's definitely way more than the Government would like to admit. My plan is to earn more passive income and ride this out, can your Investment-adviser assist?

[@tylerforeman667]

@donaldlocher Sure, the Investment advisor that guides me is “Olivia Rene Reyes” and she's renowned and has quite a following. So it shouldn't be a hassle finding her. Just look her up.

[@robinsonbaker1963]

@@tylerforeman667 The lady really seems to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I sent her a mail through her web

[@taylorgreen5908]

impressive, would definitely work with her, just looked her up and reached her through her web

[@tommyers0]

In my opinion, I'd say the IRS is a huge crime syndicate. They count on people folding when they see these bogus collection letters. Truth is that everyone is better off standing up and saying no rather than calling it what it is-illegal taxation. Since stock market appreciation is not taxed, I personally invest most of my money there. Thats how i made my first $1million.

[@fredm1]

My wife and I have been doing this same thing. Can't get into trouble with the IRS when we have no income and all our money is in stocks. Personally, I don't like doing the work though. Lol. So we just invest through a licensed advisor who does the stock picking. Our money grows, and we are tax-free.

[@debwes1]

@fredm My husband and I have been thinking of going this route of using a licensed advisor. We're not just sure which broker or firm to work with. We just moved to the UK. Could you recommend yours? And also, how do you prevent capital gain tax?

[@fredm1]

Do you know who "HEATHER LEE LARIONI" is? She frequently appears on CNBC and FOX NEWS. We keep our investments in tax-deferred accounts. We can evade capital gains taxes in this method. Your advisor could brief you on further possibilities.

[@roelzylstra]

"stock market appreciation is not taxed" Huh?? You mean if you don't sell or trade?

[@industrialpalletworx3548]

​@@roelzylstraexactly. Taxes come as soon as you sell it or trade it.

[@JosephReynolds522]

The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.

[@WilliamHarwoodx]

The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

[@ElizabethGalvin1]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.

[@ThomasHeintz]

@@ElizabethGalvin1 Who is your financial coach, do you mind hooking me up?

[@ElizabethGalvin1]

The coach I use is actually quite known, Laura Marie Ray , she has a wide presence on the web, so you can just search her.

[@JohnMoore1641]

@@ElizabethGalvin1 She really seem to know her stuff. I found her online-page, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.

[@Davidcoleman258]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Michelle Stewart.

[@PhilipOrlick468]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

[@LucasCruikshank337]

She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.

[@AndrewHolmes694]

I'm new at this, please how can I reach her?

[@Bryanwilliams397]

The first time we had tried, we invested $1000 and after a week we received $4,830. That really helped us a lot to pay our bills.

[@Davidcoleman258]

she's mostly on Telegrams, using the user name

[@MarvishaN]

I have 35% of my capital investments in an IRA, 25% in index funds, and the balance spread across other investment accts totalling over $250k. I took a big hit in Q2, 2023. Right now i am just looking for ways to recover.

[@georgeh.5126]

Although I've made a lot of financial mistakes in the past, I don't regret them since I've learned from them. The most significant one was entering the market without experienced professional counsel.

[@aureliobjm]

Think the best idea is to speak with a financial advsor. I also had a fair share of ups and downs when i first started investing, until I consulted a financial advsor in 2021, since then I've made over $670k in profits

[@tommyers0]

@aureliobjm Impressive! Please who assists you with your investment and if you don't mind, how do I get in touch with them?

[@aureliobjm]

@tommyers I only work with 'HEATHER LEE LARIONI' who made the news a lot in 2020 for her works. Her approach gives me complete control of my positions and she is quite affordable. However, do your due diligence before contacting a financial advisor.

[@tommyers0]

@aureliobjm I just checked Heather up out of curiosity and must say, I'm impressed with her Credentials. I emailed her already, waiting on her response.

[@genavazquez2943]

You work for 40yrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now the are multi millionaires. I pray that anyone who reads this will be successful in life

[@ivymadanhennion8108]

I'm a beginner, How can I reach out to Mr Cioffibrown?

[@ivymadanhennion8108]

Definitely contacting him, thank you...

[@masontaghavi9430]

I recommend Cioffibrown Alison, he has an outstanding track record. I've worked with him for some time, and there are a lot of people investing with him, he’s the best among all. I hope he doesn't stop taking new comers any time soon because of the high number of applicants.

[@SofiaAnsari-wb7gn]

I have traded with a lot of individuals but I had never came across anyone as good as this man, just by applying his strategies, I now trade independently. he is the best I'd advise any novice in investing to trade with him!

[@Travelingforlife]

You can do multiple strategies! Diversify!

[@cpluse2]

I have been trying to learn how to use my job 401k and contribute. I'm just starting on Roth path, feel I'm a little late. But never too late. Man, light bulb moment, you explained so well. Thank you

[@JAISHANKARCHANDRAN]

Love the informtion, keep in mind for most of his examples he wants you to make $75~$80K year cash to contribute after taxes and paying all your bills for the year. Not sure how many of you would have that kind of money or even a job like that with the current inflation where you are left with $75~$80K after paying all your yearly bills .

[@striperkid]

I was able to do just that for 3 years straight.

[@kevinkelly1529]

​@@striperkid bully for you! Keep it up.

[@mrsmc2612]

Exactly! I only make 50,000 and that's before taxes!

[@corndog8331]

Yeah the majority of people trying to learn about retirement options are not making enough to put 75k away a year and still pay all of our bills

[@mrsmc2612]

@@corndog8331 100 percent! If I am being honest people in that income bracket already understand the nuances of investments and money.... from what I have seen...

[@MrSwarsangeet11]

At any age when you convert to ROTH IRA from 401k, IT WILL CREATE A TAX BILL, Which will add to your taxable income. You can convert any amount from IRA to Roth IRA but the amount you convert to ROTH will be added to your taxable income for the year, which can push your income to a higher tax bracket. To my understanding back door Roth is allowed as long as you pay tax on it in the year you have converted to ROTH, once it goes to ROTH it will grow and withdraw tax-free

[@BrynnLarate66]

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??>>>>

[@Rubie-q4s]

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......,

[@BernardineRingwood77]

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

[@Rubie-q4s]

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

[@BernardineRingwood77]

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

[@adrianharwood6855]

I greatly appreciate all your efforts in bringing us updates. I am financially favoured with bitcoin ETFs, even in this economic downturn i make over $25,000 weekli profit.

[@gasparupwood]

Sounds great❤️

[@gasparupwood]

What are your strategies?

[@albertdezwart2968]

I have some money around $12,000 saved from day job. I have no idea where or how to invest. Please I'll appreciate if I can get some tips?

[@adrianharwood6855]

As a beginner investor it's essential for you to have a mentor to keep you accountable. Myself I'm guided by ma'am Bridget a widely known crypto consultant

[@adrianharwood6855]

I think I'm blessed if not, I wouldn't have met someone as spectacular as ma'am Bridget Dennison☺️

[@LoyceLeeber]

Because ROTH IRAs are tax-free, you'll be able to keep more of the money you've worked so hard to earn.I want to invest more than $300k, but I'm not sure how to go.

[@fadhshf]

Holding fixed-income assets in tax-deferred retirement funds as opposed to taxable accounts has additional advantages. If you don't know how to invest in the market, get some advice from a financial counselor.

[@TomD226]

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 $200K within a short time.

[@lowcostfresh2266]

@@TomD226 Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.

[@lowcostfresh2266]

@@TomD226 Please pardon me, who guides you on the process of it all?

[@TomD226]

My consultant is Camille Alicia Garcia . She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision. I basically follow her trade pattern and haven’t regretted doing so

[@smithlenn]

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

[@belljoe]

I thought about investing in the financial market, I heard that people make millions if you know the tricks of the trade, but I lack good knowledge and a strategy to outperform the market and generate good yields. I have $160,000 but it's hard to bite the bullet and do it.

[@Alejandracamacho357]

This seems like the worst period.Even the markets are very unpredictable.started investing recently when the market prices were a bit high,today i am more than 60% down

[@rannyorton]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.

[@Alejandracamacho357]

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.

[@rannyorton]

-Have you heard of "Julia Hope marble? She gets featured regularly on CNBC. I myself use tax-deferred accounts to hold my investments. That way I avoid capital gains taxes. There are other options your advisor could brief you about....

[@catlinbrayan9404]

I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.

[@michaelsalinas5572]

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.

[@BrittanyDoris]

@@michaelsalinas5572Even with the right technique and assets some investors would still make more than others. As an investor, you should've known that by now that nothing beats experience and that's final. Personally I had to reach out to a stock expert for guidance which is how I was able to grow my account close to $35k, withdraw my profit right before the correction and now I'm buying again.

[@RandyVincent808]

@WilliamJames671Please who is the expert guiding you? I have lost so much as a beginner investing into stock without a proper guidance of an expert.

[@berkymargin4611]

@@RandyVincent808**The Fin-Advisor I'm in touch with "MICHAEL T ABAGNALE". He was interviewed on CNBC Television. You can use something else, but for me his strategy works hence my result is good. He provides entry and exit point for the securities that I focus on.+^

[@iliketurtles536]

For the backdoor roth IRA, there are a ton of videos on KZbin that walk you through this for your specific company you have funds in (Vanguard, Fiedelity, etc)

[@OwenMaureen]

How does this trading stuff work? Am really interested but i just don't know how it go about it. I heard people really make it huge trading

[@dagame614]

Nancy Williams is the key to robust profits. I'm currently on my fourth trade. Started off with a low and now my wallet unbelievable!

[@OwenMaureen]

Please how do I get in touch with this Nancy Williams?

[@OwenMaureen]

Thanks for sharing her contact information. I really appreciate the information

[@blissds-gi3mb]

This seems like the worst period. Even the markets are very unpredictable. started investing recently when the market prices were a bit high ,today i am more than 60% down

[@PhilipMurray251]

Given the prevailing market conditions and the potential risks associated with the current economy, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold.

[@dawsondanny990]

The current situation is incredibly dire for people in the United States and other countries. The global economy is facing a significant downturn, with increasing inflation rates and unemployment figures.

[@SilvesterMiles-y4j]

Right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, ’Betty Sue Blanchard’ she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.

[@blissds-gi3mb]

Fantastic! can u share more details?

[@MollyShorters]

it was easy to find your coach She seems proficient considering her résumé.I will write her an e-mail shortly

[@tonymunoz8027]

I am retired. I have money in a 401K about $850K. How can I convert to a ROTH IRA without paying much tax? Thanks. Tony Munoz

[@aarondaniels5525]

Hello, I'd advice you seek help from Olivia Maria Lucas, you can look up her deets online, she'll be very helpful.

[@tahirisaid2693]

I've come to realize that the key to amassing wealth lies in making sound investments. I purchased my first home at the age of 21 for $87,000 and sold it for $197,000. My second home, acquired for $170,000, was later sold for $320,000, and my third property, purchased at $300,000, fetched $589,000, with buyers covering all closing costs and expenses. Not reaching a million before retirement feels like an unfulfilled goal...

[@tahirisaid2693]

I initially started my investment journey with the guidance of a financial advisor named *Jenny Pamogas Canaya.* Her transparent approach granted me full control of my investments, and her fees are reasonable, considering my return on investment. Nonetheless, it's crucial to conduct thorough research before engaging with any financial advisor.

[@METVWETV]

Lol!! This is the worse kind of Spam! She should be ashamed of herself!

[@Jack-id4qm]

​@timsans1170 honestly

[@industrialpalletworx3548]

Not true. 99% of real estate sales the seller covers closing costs and more in some cases.

[@CliveBirse]

As a soon-to-be retiree, keeping my 401k on track after a bumpy 2022 is a high goal. I've read about investors generating up to $250k ROI in this present sinking market; any suggestions for increasing my ROI before retirement would be greatly appreciated.

[@JulietKellyy]

Yes, you are right. it's been a brisk tailwind for lnvestors in US stocks over the decades but it is still a delicate season now, so I advise you to consider the guidance of a financiaI advisor.

[@mariaguerrero08]

Many downplay advisors until emotions lead to losses; after a divorce, I researched and found a highly qualified advisor who boosted my business, growing my reserve from $275k to $850k despite inflation.

[@mikegarvey17]

@@mariaguerrero08 Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.

[@mariaguerrero08]

CAMILLE ALICIA GARCIA maintains an online presence. just make a simple search for her name online.

[@ConorBrews]

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.

[@getinthespace7715]

As soon as my daughter starts working I'm setting her up a Roth IRA and teaching her to max it out. I'll also set her up a brokerage account and teach her how to invest. For every dollar she saves and invests I'll match her. If she tries, she could get $200k invested before she gets out of college. Then she'll be on her own after that. She could be sitting at close to $1 million invested by her early 30's. Be 10-15 years ahead of me in her wealth building.

[@meximelt4444]

Set up a trust to protect it from any future spouses, so it continues to help the future children.

[@Aortadetroit]

I put mine in Roths at age 7&8. Had them running small errands at a family business.

[@getinthespace7715]

@meximelt4444 , this money is for her retirement. It's about teaching her how to be responsible and manage it. She'll have to protect her assets and protect future inheritance with a pre-nup. By the time it gets to her marriage and potential grandkids, I'll be setting up their own stuff. My wife and I should be approaching $10 million invested. Once we have generational wealth created, we'll set up a family trust.

[@getinthespace7715]

@Aortadetroit , I might be able to do that for the grandkids. We don't have a small business to generate taxable income for young ones yet. But I will. I'm buying a couple of rental properties this year if things go well.

[@DeviJane-jp3xn]

To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Paula David focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. Her skills set is top notch.

[@daviesgriffiths5215]

You invest with Paula too? Wow that woman has been a blessing to me and my family.

[@georgeheyden4524]

I'm surprised you know her too, I've been making a lot of profit investing with her for a few month now.

[@tessbakker7549]

I invested with Paula too, she understands every beginners intention and fix you to a trading plan that matches your capacity.

[@klaasjohnsons1523]

Any information on how i can reach her, i'm new at this

[@liamjones6540]

I was skeptical at first until i decided to try. Its huge returns are awesome, can't say much

[@bengonzalez7777]

I’m under pressure to grow my reserve that currently holds about $500k. I’m down by 20% already following the crash and i fear i could lose more.

[@osipsymon4168]

Same here, the basic idea is to hold for long term, but I've only got 3years until my 50s are done, Im considering a sort of coach or an FA at this point.

[@oliverlogan6023]

With the volatility of the market and inflation, I have been able to scale through the trends with the help of my FA, nothing beats proper guidance to avoid making the mistakes most newbies do.

[@bengonzalez7777]

@@oliverlogan6023 well said, I actually signed for a few youtube courses but it didn't help much, a colleague suggested I use a proper financial advisor, how did you go about touching base with your adviser

[@oliverlogan6023]

My advisor is actually quite known, so it was much easier for me to reach out, I'm in touch with Lisa Ann Moberly, she has a web presence, so you can simply just search her.

[@osipsymon4168]

@@oliverlogan6023 I usually don’t take online recommendations, but this Lisa advisor seem to know her stuff, just went through her website and I booked an appointment.

[@robertl6711]

My 401k has been over 20% for the last 3 years and going. 15% totally doable.

[@miligu2580]

where to find the investment that will have an annual return of 15% or higher mentioned in this talk. If you have such returns, it matters less if the money is in Roth or non-Roth accounts. The growth, appreciation, and dividend are the keys here to reach one M in 6-7 years.

[@RichardHowell-id6lc]

I usually look up your videos for updates! Our government has no idea how people are suffering these days. I feel for people with disabilities not getting the help they deserve. Thank you mrs Lauren Hopkins, imagine investing $12,000 and received $305,500.

[@AnitaRays]

Crypto Bull run is making waves everywhere and I have no idea on how it works. What is the best step to get started please?

[@Chloe_emm]

Wow, that's more than a mouthful of profits you're making. How do you achieve this feat consistently? You must be a genius in trading.

[@RichardHowell-id6lc]

Have you not heard of Mrs. Lauren Hopkins?

[@RichardHowell-id6lc]

She has this skill of making complex crypto concepts easy to understand and is truly commendable

[@RosaMariadelosSantos-]

You know her too? I'm also a proud beneficiary of her superb platform.

[@ParkDari]

My kid was the model on my business Christmas card. I paid her the standard going rate for a model sitting fee back then I think it was about $374. I dumped that in her Roth every year. Because I sent her to computer camp and she learned how to type blisteringly fast when she was 10. I hired her as an IT tech assistant. She also had beautiful handwriting. I made her fill out all my forms fix all my computers phones all that crap for 50 bucks a month dumped in her ROTH

[@TheJakeRobinson]

You can roll over your 401k while you are still with your company IF they allow "In-service" transfers... Many plans now allow for current employees to move their money out - need to check with employer benefits to see if they allow in-service rollovers... We have done many at our firm.

[@HectorSnipes]

It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@marcus00ize]

He is leaving out the part where you have to pay taxes on the converted funds from 401k that goes into Roth IRA

[@torron111]

You do a roll over IRA tax free

[@RebeccaHarkness]

Nope a backdoor is tax free

[@brafi8987]

Can you roll your entire 401k over to a Roth IRA without a tax penalty? @@RebeccaHarkness

[@toyarj37]

Only if you had pre tax money in it. That’s why most people that do this have two traditional IRAs. One for pre tax money and one where they don’t take the deduction on money put into the traditional so that it can be immediately rolled over once funds have settled. Also when you put money into the traditional ira that you are specifically going to rollover you put it into the holding account in the ira. DO NOT INVEST IT IN THE TRADITIONAL IRA. If you do, once you roll it over you will owe taxes on the gains. That’s why you want to put money into the traditional and immediately roll it over once funds have settled so it doesn’t really have a chance to grow. You might have made a few Pennie’s but the irs ain’t worried about that

[@Travelingforlife]

So it won't matter if you end up earning a lot!

[@genavazquez2943]

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing.. I've been sitting on over $545K equity from a home sale and I'm not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@joshhushed5890]

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

[@ryanwilliams989]

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. Compounding is the process of earning interest on your initial investment, as well as on the interest that investment earns. This means that over time, your investment can grow exponentially. So the earlier you start investing, the more time your investment has to grow through compounding.

[@maggysterling33254]

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

[@latinconnectionhi5338]

You will have to pay tax in any conversation or rollover from 401K or traditional IRA to Roth IRA. If you pay tax on your money by using the After-tax employee contribution the benefit here is: that you can move any amount of money into the Roth IRA in the back door, increasing your Roth account because the front door is limited to $6500 if you are 50 over.

[@hermanchan6260]

So you can set up a new traditional ira and put after-tax contributions in it and move it to Roth without limit? And you don't need to set up a solo401k account in that case?

[@miketmentor3338]

Human pinball machine

[@latinconnectionhi5338]

Well my company will not allow after tax contributions any other way that you will advise

[@Ctpa1]

@@latinconnectionhi5338that stinks. Your should talk to HR. My wife and I have both been maxing out this for years. It really ramps things up.

[@gretchenbond784]

Yep You'll have to pay taxes Unless you pay your 1 year old haha

[@carloschapa4571]

When I was 13 a home was 15k and an acre of land was 500. I bought a house at 15 and bought 15 acres of land, after 26 yrs. My house was priced at 200k and my land became part of the residencial landscape, but alas the state decided to build a toll read through my acreage and I negotiated the price and sold 7 acres for 300k leaving 8 acres which became commercial appraised at 250k/ acre so in 30 yrs I've made 2.2 million. Thank God I didn't Park my money in a roth IRA

[@_davidturner]

My growth of 401k is 2.74% in the past year. In this environment does investing under a brokerage with a custodian outperform a 401k? should I seek a pro to grow my funds on brokerage acct or still hold? I have 5 years to retirement. Happy to discuss

[@Javier_Rodri]

Mine was 8.16%, I used to dca into etfs but I reconsidered the strategy since I am still way behind after the massive downturn since Jan last year

[@AanyaDarika_]

Be careful not to be lured into the market too soon, this current situation has really opened my eyes to the importance of a good mentor on KZbin or elsewhere knowing what he/she is doing .

[@ClaudiaRom]

Private investing is the best way to go about the market right now, especially for near retirees, I've been in touch with a wealth manager for awhile now netted 370thousand this downturn, made it clear there's more to the markets than we average joes know.

[@westgibbs]

who is this manager you use? I lost over 50000 already this year on Vanguard. Im in need of guidance from a financial-planner going forward.

[@ClaudiaRom]

@@westgibbs Our consultant is *Loren Lena Walker* , experienced and advanced and consults for many brokerages so is independent and can be a fiduciary to you.

[@Scottweeier846]

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Gloria Robinson

[@Rodriguezpaul-9]

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

[@erikyanez5371]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@AmandaStewart0908]

You trade with Gloria Robinson too? Wow that woman has been a blessing to me and my family.

[@DaveCulbertson]

I'm new at this, please how can I reach her?

[@carolynvo7802]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@freedomfamily1358]

Thank you sir at 40 I'm getting this handled for my kids!!

[@vickiswinehart8675]

This is a cut and paste from Fidelity. Taxes: With a conversion, you pay federal income taxes now on the conversion amount, but none on any future earnings as long as when withdrawals are taken, the 5-year aging period has been met and you are age 59½ or over, disabled, or deceased. (In the event of the account holder's death, a spouse or beneficiary could make withdrawals.)

[@cameron9643]

One of the biggest advantages of this is protection from lawsuit and bankruptcy.

[@Travelingforlife]

That's good to know!

[@robertdavis177]

My employer offered a ROTH 401k many years ago. The employer pays the tax on it up front but it is ROTH money and it can be rolled over into a ROTH IRA directly from the ROTH 401K. PERFECT!!

[@kerrylim6058]

[@billysandoval3118]

I would really love to know how much effort you put in,to get to this stage

[@donnareynolds8649]

I'm from the UK 🇬🇧 please I just got recommended to her How was your experience trading with Maxine Kathleen?.

[@martinjackson3194]

When you see me use bitcoin, it also represents every other cryptocurrencies!

[@kerrylim6058]

@Maxinekathleen That's her username ✅

[@oliviaralston1]

Investing in cypto now should be in every individual, in some months time you'll be ecstatic with the decision that you have made today...,,.

[@dustireller3953]

Ich feiere heute ein Aktienportfolio im Wert von 30.000 US-Dollar. Ich habe diese Reise mit 6 km begonnen. Ich habe rechtzeitig und zu den richtigen Konditionen investiert und habe nun Zeit für meine Familie und das Leben, das vor mir liegt

[@patricklemmy679]

Wow, really. I was able to make my $25k on investment

[@zoeyswaniawski7306]

​@@dustireller3953I’m looking for something I can venture into on a short term basis, I have $15k sitting in my savings

[@ramadhanipongela1360]

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

[@sarkiali3958]

You’re right but a lot of people remain poor due to ignorance

[@nbdysfool3]

Over 50 starts at 17:40. You’re welcome

[@thaddeussmith8394]

I have been doing these exact steps prior to seeing this video and it’s great to see that I have been correct all along. Thanks for the education and explanation

[@Omikoshi78]

“We’re all gonna die”. Now I appreciate that kind of refreshing honesty when talking finance within a family. Keeps things in perspective and allows you to plan for multi-generational wealth without risking offending people.

[@METVWETV]

"AND IT'S OK!!!" LOL!

[@RetiredR]

Thanks Mark I’ve been preaching Roth & conversions for years!

[@SekaranJambukesan]

Great stuff Mark , please have a mic on you rather than the fixed mic, ever time you turn away your speaking volume drops. Thank you.

[@omarchaudhry3542]

asking for clarification, please see questions below: #1-$6500 = ROTH front door #2-$22,500 = 401k -->IRA. pre tax contribution #3-$ company match if there is one #4-$43,500 = self after tax contribution so that #2+#3+#4 = $66,000 on day 2, which of the following do you convert to ROTH: #4 only the $43,000 or $66,000 total

[@SZ04305]

#1 is in Roth IRA already, no need to convert; #2 yes or no, it’s ur pre-tax contribution, if u covert now, u need to pay tax based on ur tax rate, if u think ur tax rate will be lower when u retire, u can wait till then; #3 ask ur HR, if it’s pre-tax, same as #2; if it’s after tax, same as #4; #4, YES convert!

[@kekuhi]

aloha...LOVE LOVE LOVE your passion! Ive choosen to be ignorant of tax culture for too long. thank you for the education. AND thank you for being transparent in this "world".

[@jonnyharvell7591]

The ROI… where or what assets do you suggest to invest in that brings 15-20% ROI ???

[@charliehunnam5187]

Hello, I'd advice you seek help from Olivia Maria Lucas, you can look up her deets online, she'll be very helpful.

[@asmgmail2428]

what can i do with def. comp employer pre tax contributions

[@desmo8755]

Not tracking on one point. Rolling over the after-tax is slam dunk because now it’s got Roth benefits. But rolling over the pre-tax 401K to Roth makes it taxable on that Day 2. The benefits of pre-tax are that a) you build returns from the taxable portion too, b) you’re in a higher tax bracket now and lower bracket when you need the money. So to me, rolling over the pre-tax portion now and paying taxes in your highest bracket doesn’t seem like a slam dunk decision. If you do so when young or expect really high returns, maybe. But if you’re 50 and working in a high tax bracket with fewer years to invest before withdrawing, maybe not.

[@JGuagliardo22]

This was my question too. He didn't mention the taxes owed on the pre tax amount

[@Aortadetroit]

I'm in the highest tax bracket and do it based on future tax rates (probably higher or definitely the same. 2026. is coming) and life expectancy. That Roth money we don't need will be massive when my kids inherit it and it continues to grow tax free for ten years after my death. At which point I'm pretty sure my kids won't complain about its taxes.

[@james5460]

You'd better be making good six-figure money to take advantage of most of this. But max out your company 401k - do it as a Roth if you can - and also make the individual Roth on top of that - $6500 or $7500 depending on your age - and you're accumulating $30k+ per year just doing that. And that ain't beanbag, as Jack would say. It helps if you have extra money lying around. A lot.

[@dademack3544]

If you're making "good six figure" money you won't be able to contribute to a Roth IRA due to income limitations.

[@bobatl4990]

Can you expand on your answer to the very first question relating to needed to convert any existing regular IRAs to Roths before you can do the bottom piece

[@chanhuang614]

Backdoor roth is only for people who does not have any rollover ira. Once ira has pretax savings, that move from rollover ira to roth ira has to be propotional between pretax amount and aftertax amount. It sucks that not every employers set up mega backdoor roth for their employees. Needs (being able to contribute to aftertax bucket + in-plan conversion.)

[@fahlou2019]

i'm not sure I understand your comment. What do you mean by "proportional"?

[@chanhuang614]

@@fahlou2019 let's say for backdoor roth, you want to put in $6k into your (traditional/roll over) IRA and move that $6k into roth IRA because you already paid income tax on that $6k. Let's assume your (traditional/roll over)IRA account already had $10k (pretax savings) from previous years. If you want to move your $6k (already paid income tax for it) from rollover IRA to roth IRA, you will also need to move 100% of that pre-existing $10k in your rollover IRA account to your roth IRA account and pay tax on that pre-existing $10k.

[@chanhuang614]

If you only want to move 50% of that pre-existing $10k to roth IRA (just because you don't want to pay tax for all $10k this year, then you can only move 50% of the $6k (that is $3k) can be moved to roth IRA as a backdoor roth.

[@chanhuang614]

So as long as you don't have any preexisting saving in your rollover IRA account from any previous year savings, you are free and clear to do that $6k bacl door roth move.

[@DB-cm1fx]

Yep, this is exactly right. You can’t convert only the non-deductible portion if you already have pre-tax contributions. Therefore, you’re going to get hit with taxes.

[@BigJohnson1566]

I’m an 28 and make 546k a year and I have no idea where to put any of my money. I am very successful even though I dropped out of high school and never attended college. I am current sitting on 1.78 million in my checking accounts and savings which is earning some interest these days. That’s about as far as I know, thanks for your help. Now if I can just stop blowing it at the shoe shows I could be rich.

[@Ahmad-b9q5x]

Go into stocks, long term and day trading

[@Dutty_Boy]

What do you do for a living making 546k a year?

[@Ahmad-b9q5x]

@@Dutty_Boy a lot of things can make you that

[@thescentsophisticate8865]

can you convert a 403B to a Roth IRA immediately or does it have to be placed in a traditional IRA first?

[@RachelNdumia1]

Call your 403 b company.

[@jawanzo]

What do you invest inside the roth...etf,mutual fund..or what particular stock?

[@charliehunnam5187]

Hello, I'd suggest you seek help from Olivia Maria Lucas, you can look up her deets online, she'll be very helpful.

[@JosephReyesCPA]

You can invest in a wide variety of investments outside of the stock market: real estate, businesses, commodities, etc. You just need to make sure you have the right expertise guiding your choices and decisions. Mark has an IRA team for just that.

[@sonyaturner5200]

With trading, technical analysis skills alone are not enough; discipline and emotional maturity are also crucial for success. The saying "time in the market vs. timing the market" is a good mindset to have during market fluctuations. Thanks to Elizabeth Foster’s insights, daily trade signals, and my dedication to learning, I've been increasing my earnings to over 19btc! in a few months. Keep it up!

[@sonyaturner5200]

@ EXPERTFOSTER 💯...that's it VlA t e I e g r am.

[@adammontoya6325]

We can all learn a thing or two from Foster, her profit making skills is phenomenon. Thanks to her I'm making more profit and getting rich.

[@PhilipOrlick]

Even when Bitcoin is looking bearish with the market sentiment swinging low. But she kept us grounded with her real analysis, just the facts in the charts.

[@LiamMason947]

What impresses me most about Foster is how well she explains basic concept of winning before actually letting you use her trade signals. This goes a long way to ensure winning trades.

[@colleenballinger5919]

Great skills and knowledge about the market. I enjoy full profits and easy withdrawal with no complains, trade with the best.

[@playingwithmytrains5440]

Am I missing something here? It appears to me that the big unknown is the investment part. Who is going to get a 15% + return on their money during these times? Your money can only grow to 1 million if you get a really good rate of return and I don't see how that is happening. Try explaining the how you get that great of a return part please?

[@asmgmail2428]

can you invest this on earned income?

[@BrisklyConveyance]

Safe-haven assets like gold are often a go-to during election years. Have any of you made big moves into precious metals during previous elections?

[@martingainty9623]

Solid Advice Thanks Mark!

[@joeguerrero3465]

You touched on taxes in the beginning and using after-tax income. What if I use my VA disability income to invest in a back door Roth ira. VA disability income is tax-free income. How would the tax situations work with tax-free money? Thanks!

[@cam-bot]

I’m in the same situation, how would the VA dis. income work? Plus I’m not employed at the moment, I’m a student using the GI Bill. Thanks everyone!

[@tonyvu60]

Must be self-directed Roth to do real estates. Without "self-directed", the money can only be used for Wall Street bets, and that's when "risks" come in.

[@lisapartynski1018]

If you already have traditional IRA how do you get around the 8606 form and have it still be 100 percent on the withdrawl side

[@JayRay9999]

This is all true. And I have been doing all of this since 2010 (that is when I figured this out!). I have a TIP!! Regarding the Plain Back Door (the $7,500/$6,500 for 2023 in the example). I also had some Pretax IRAs (Pretax means you deducted them on your taxes). Before you do any conversion of your After-Tax IRAs, you need to get rid of your pretax IRAs; otherwise, your Back door Roths will be partially taxable. One way to do this is ask your employer if they allow Rollover contributions to the 401K. I rolled my Pretax IRAs into my 401K, problem solved!

[@ZioMatrix001]

You work for 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a crypto market for just few months and now they are millionaires, all thanks to Mrs Evelyn God bless you madam

[@VilmaCanete-ty4jg]

Wow I'm iust shock someone mentioned expert Mrs Evelyn thought I'm the only one trading with her

[@lucassilva-ib9rx]

She's really amazing with her skills..she changed my 0.5btc to 2. 1btc

[@BrianNicole11]

I'm from Canada🇨🇦 I and two other of my friends tried her immediately we testified, her performing wonders

[@memikaoru]

Can you provide me with the name of your broker ? I am looking to increase my income through investing and have $500,000 ready to put into the market.

[@ZioMatrix001]

Evelyn Infurna Financials is my coach, I found her on CNBC where she was interviewed, looked up her name on the internet. Fortunately I came across her site and reached out to her, you can verify her yourself.

[@tkn2210]

Question: For < 50 the limit is $72500 -$ 22500 pretax contribution - $ company match if any = back door Roth. For > 50 the limit is $ 81000-$30000 pretax- $ company match if any = back door Roth who are the people can contribute to 72000, 81000 ?

[@floraandfaunab8855]

The corrupt politicians.

[@Toneehulk504]

When you say convert to Roth on day 2, can you keep converting on a bi weekly basis when you contribution are taken out of your paycheck?

[@tiffanisanchez6951]

Yes, I would like to know this as well

[@benh9371]

When you do it with a 401k this is called an in-plan conversion. You can do it as often as you put money into the account. In fact Fidelity offers this on auto pilot, they will instantly recharacterize your after tax contributions to Roth if you turn the setting on in your account. I am sure other brokerages do as well.

[@SN-fl1qy]

Risk and return have a positive correlation. There’s a reason why syndications pay more than RR investments. No one ever brags about their losses, hence you rarely hear about em.

[@shanew7361]

You have to pay taxes when you convert your regular ira to a roth ira, and that can be a huge hit to some.

[@toyarj37]

Only if you had pre tax money in it. That’s why most people that do this have two traditional IRAs. One for pre tax money and one where they don’t take the deduction on money put into the traditional so that it can be immediately rolled over once funds have settled. Also when you put money into the traditional ira that you are specifically going to rollover you put it into the holding account in the ira. DO NOT INVEST IT IN THE TRADITIONAL IRA. If you do, once you roll it over you will owe taxes on the gains. That’s why you want to put money into the traditional and immediately roll it over once funds have settled so it doesn’t really have a chance to grow. You might have made a few Pennie’s but the irs ain’t worried about that

[@Travelingforlife]

Not if you make a ton of money!

[@nikkizaa1240]

This is America, some people worried too much about future money, some people never even save and use government benefits. Thanks for your video.

[@danwalter6408]

What if i make under 60k a year

[@jamesgerber844]

You should contribute to your usual Roth IRA. This technique is for individuals making more than 153k

[@JohnSmith-mi8ov]

Not all employers allow after tax contributions due to some legal issues coming from different income levels within company. What to do then?

[@headlibrarian1996]

You're screwed. My company doesn't allow after-tax contributions because they fear the plan would fail non-discrimination testing.

[@Curbalnk]

There is also no earned income requirement to convert to a Roth. As long as you have a balance in an IRA, in theory, you can keep converting to a Roth as long as you like. But how best can i compound at least $2m in retirement savings without holding cash?

[@kansasmile]

I think you're better off with majority investment in S&P500 and uprising equities in view of retirement cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire

[@JB-bj3os]

most company 401k's DO NOT ALLOW aftertax 401K contributions, i know mine doesn't because i asked otherwise i would have done it it years ago. Therefore this whole strategy outlined in the video does not work as nicely as its put on paper.

[@deancapinegro4575]

Nice concept if you make $300k a year to allocate the funds for the first 6 years

[@evelas5303]

😀 !

[@Cocora22]

So how does this work if all you have is a retirement check, plus your social security check AND a small time part time job??? I'm 71

[@charliehunnam5187]

Hello, I'd advice you seek help from Olivia Maria Lucas, you can look up her deets online, she'll be very helpful.