"I won't stop until I earn $25M" -

In my conversation with Vivian Tu, also known as ‪@YourRichBFF‬, we discussed very practical aspects of the financial literacy - how you manage your savings, debt, investments and a magical FU number that allows you not to work anymore.
Ready to prioritize your mental health? Head over to Muse and receive 15% off your order with discount code SVG or visit the link here: choosemuse.com/SVG
Vivian on Instagram: / your.richbff
Order Vivian's book "Rich AF: The Winning Money Mindset That Will Change Your Life": amzn.to/3Q79YPW
My Companies & Products: pillar.io/linguamarina
In this video:
00:00 - Meet Your rich BFF - Vivian Tu
01:16 - If you want to be wealthy, you need to STRIP
03:49 - How much of your income should you save?
07:01 - How do I take care of my mental health to prevent burnout?
09:35 - How does Your rich BFF team look like?
12:27 - We were working at the limit of our abilities and counting down the days until it was over
14:45 - "You are the reason I had the confidence to negotiate a $20k raise"
17:05 - How to deal with your debt?
20:32 - Think of your retirement as early as possible (right now)
22:32 - "The only way you can keep up with the rising costs is to invest"
23:54 - "I need $25M to not work for money anymore"
28:54 - What are your investments plans?
31:53 - How to track and plan your personal finances
33:38 - A book that everyone needs to read
This video is sponsored by Muse.
Top credit cards for free flights, hotels, and cash-back - www.cardonomics.com/i/marina
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⭐ Download my English language workbook - bit.ly/3hH7xFm
I use affiliate links whenever possible (if you purchase items listed above using my affiliate links, I will get a bonus)
#siliconvalleygirl #marinamogilko #yourrichbff

[@SiliconValleyGirl]

Ready to prioritize your mental health? Head over to Muse and receive 15% off your order with discount code SVG or visit the link here: choosemuse.com/SVG

[@TheJackCain-84]

I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!

[@kevinmarten]

One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.

[@Jamessmith-12]

It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investtments, in my opinion, are complex.

[@JacquelinePerrira]

Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal

[@kevinmarten]

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?

[@JacquelinePerrira]

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

[@SteveDutton-v]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future. Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

[@SeanTalkoff]

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor.

[@tmer831]

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.

[@DavidCovington-st2id]

could you recommend some good advisers? don’t get me wrong, I already have an asset manager, but he seems not to know much about crypto.

[@tmer831]

Vivian Carol Gioia 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.

[@DavidCovington-st2id]

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

[@Gothic_heroine]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $130k of my savings in stocks this year, and I hope I make profits.

[@Shirleypos]

I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.

[@blind_luck_]

You don't need to find the next NVDA to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $100k into $40,000 in annual dividends-a significant milestone for me today.

[@AntagonisticAsian]

Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and i am interested in investing in stocks.

[@blind_luck_]

I'm cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "KRISTIN AMBER LANDIS" I've worked with her for years and highly recommend her. Check if she meets your criteria.

[@AntagonisticAsian]

Thanks for sharing. I searched her full name and found her website instantly. After reviewing her credentials and conducting due diligence, I reached out to her.

[@TalesOfTrillions]

The '50-30-20' budget breakdown is such a game-changer. Finally, a practical approach to managing my money that doesn't involve sacrificing all the fun stuff.

[@jinsu0504]

As a middle class income earner...i wish houses only were affordable at 50% lol...if that would be the case id have to live in a van....30% want?? Please have you seen proces od groceries now?

[@arlettezambrano3894]

I do 60/30/10, but my 30% goes to savings and debts and my 10% goes to wants. I'm trying to cut down on my want so I can save more and pay off debt. 30% towards wants is too much. But to each their own. This way just works for me.

[@EcomCarl]

Vivien's emphasis on the 50/30/20 budgeting rule is a fantastic guideline for financial health! 🌟 Additionally, automating your savings can ensure you consistently meet your goals without having to think about it each month.

[@sharathkumar9490]

It's not about going fast but going far

[@jackstoltz1379]

I always love young people. They have great expectations for the future and life hasnt hit them yet.

[@bingsterc7621]

Sorry, but people’s “wants” SHOULD BE A LOT LESS THAN 30%. People’s “Wants” should be around 10% to 15%, in my opinion.

[@Veracity13]

I agree

[@AnxMa]

About the mental health referenced around 07:00. From my xp: to anyone who's ever been a victim of violence because of their appearance, gender, orientation, race : DO NOT ever let a hateful notion 'there's something wrong with me' sink in. Trust me, it's a recipe for self hatred and compulsive anxieties later on. When we suffer and we need a break, it's only natural to think: maybe if I wasn't 'different', if I was 'normal' I would be accepted. No, haters will always find something else to prey upon. I've always had kinda androgynous look, which was a fuel for bullies when I was growing up. I embraced it, used it to my advantage in my acting / modeling career, I was almost the face of Leon in these new Resident Evil games :)

[@aigerimsharshenalieva5506]

I’ve been following both of you for a very long time, when there were not so many followers. And I was thrilled when I saw your collaboration👏👏👏👏 awesome to see you both having conversations😃😊🙌

[@VideoVerdict]

I took inspiration from her. My goal was 5M. Having 25M makes more sense because that is 1m a year if you withdraw 4% like she says.

[@anonymousf7byyj]

She said earning 4% return… not sure she knows where the 4% really comes from.

[@VideoVerdict]

@@anonymousf7byyj A stock market index would gan 7%-10% per year. So you withdraw 4% out of it and keep the rest to compound. The hard thing is making 25mil

[@jj55222]

@@anonymousf7byyjgenerally the market i.e SP500, index funds etc have an average return of 7% that’s where the number is coming from 25m invested in the market.

[@jcbuzz36]

You don't need as much as you think to retire. If you are going to follow the 4% withdrawal rule of retirement, since the s&p 500 on average returns 10% per year, if you are only withdrawing 4% of that annually, you would still have a 6% annual gain on your investment. So most people's lifestyles don't need anywhere near 25M to retire on imo.

[@dtlars1929]

Buy BTC, at least 1 at this price

[@Susanhartman.]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@91ScottieP]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .

[@mikegarvey17]

Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn

[@mariaguerrero08]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@ThomasChai05]

@@mariaguerrero08My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

[@mariaguerrero08]

*Gertrude Margaret Quinto* 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.

[@Loujeezy]

Love your channel! Thanks!

[@Carlosescontratado]

I found you yesterday and have already watched many of your videos. You do great interviews and ask great questions

[@amberking88]

I’m 49 and I just started the 50 30 20 strategy and it certainly has taken away the stress of managing my money each month.

[@whirlpoolbook6730]

I love Vivian. I followed her and get tons of good advice. Down to earth.

[@kateberger6242]

Is soo good listen Marine her diction is perfect and she is much more humble and natural in de videos…this is amazing being honest with who you’re all the time…..I always say embrace yourself

[@sourabhsoni2930]

Hello Marina Please make a video on Todo list. To make our day more productive😊

[@anabellepp]

This one was amazing, thanks!

[@user-jn1qq1qb1e]

🎉Thank you for guys for the informative words

[@ten346]

I like the Richest Man in Babylon. I even found a coloring book with the principles on Amazon.

[@user-sy3ne1lt2h]

You wonderful lady ❤

[@chadbailey7038]

The collaboration I didn’t know I NEEDED and would have never expected! Огромные спасибо вам 🙏🏾))

[@stillhopeful7048]

Loved this content ❤ thank you!

[@user-jn1qq1qb1e]

Thanks so much for the information about investment and business

[@honestman2073]

Great video, thanks for sharing this rich infos. appreciate it,

[@SandraHernandez-xt5hj]

I wil put 50% FUTURE 30% expenses & wants and 20% experimenting inversions

[@burmakara]

Find the banned book titled The Hidden Truths Of Wealth. Whoever finds this book will have an unfair advantage over other people. You'll thank me later

[@matthewthompson0]

Where did you find it?

[@ryan-patel]

For sure, i can confirm that

[@zamanharoon6620]

where ?!

[@cbreeze123]

Who is the author?

[@ynohnazenb6683]

Name the author

[@shawnsapp6611]

Love her she the best, love the book just brought it.

[@LennyTim]

You go girl.

[@egonala]

Amazing interview

[@tiarawhite3481]

Great interview! Have you had Lynn Richardson on your channel?

[@autobotdiva9268]

50/30/20 rule works great for those with adhd/autism. all 3 in different checking accounts at the same bank.

[@dtlars1929]

Lol, so true and good idea. Helps to have an honest caregiver to help you out

[@joseromero9933]

Thanks for sharing

[@hayyuselfhelpclasses3813]

Happy blessed with baby girl

[@marykgarciapalacios5981]

I feel so sorry for people who live their life thinking so much in money, money, and money that they forget what their purpose in their life.

[@RobbySamGunner]

It’s kind of sad how financially savvy Americans have to be to play the money game and be able to retire.

[@masangogabriel3356]

Staying abreast of the latest trends and strategies is crucial for traders to stay ahead and make well-informed decisions. Beginners in trading and investing must recognize that success in these fields demands technical analysis, emotional maturity, and self-discipline. Thanks to Monica Lisa Payne insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Kudos to the journey ahead!

[@masangogabriel3356]

erNameIs Monica Lisa Payne, cant divulge much. Most likely, the internet should have her basic info, you can research if you like

[@aarsethdiane853]

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.

[@bradfordemily2577]

It's unexpected to come across her name here. She understands every beginner’s intention and fix you to a trading course that matches your capacity, she knows her stuff! Her advice has been invaluable to my trading journey. Definitely worth giving a shot!

[@debocknolan6273]

It is really refreshing to see a comment about Monica Lisa Payne.I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her approach consistently keeps you ahead of the trend, She's a guru i'll say

[@lucybentzcrystal4440]

It seems like she's quite knowledgeable and informed. I did a quick Google search on her name and found her website. Additionally, I noticed she has her own Trading channel, which is impressive. Thanks for sharing this information with me.

[@06ridyn]

Just tell everyone 75 15 10 method. Come on it’s easy to follow. Just take the 75 cent of every dollar for bills. The 15 for investment and 10 for savings. Done. It works.

[@ByBoLe4kA]

Great interview, Marina! As always :) Please, do Iman Gadzhi !!!

[@e.001]

He is a scam. He makes money and fools you into buying his course, which is trash.

[@AFGixxeR88]

@@e.001why has no one called him out if he is a scammer?

[@e.001]

@@AFGixxeR88 They do call him out. There are hundreds of long video documentaries if you search "iman gadzhi scam" on youtube. Also, I bought his full course and I realized most of the information was general knowledge. He is only really good at talking for long periods of time and being persuasive. There are free channels on youtube that give you more helpful advice and don't hide behind paywalls.

[@claudia-vp1kd]

So, is that about Vivian or there's actual advice on this podcast?

[@marioradnic7133]

Marina, great job! Awesome!

[@user-gr1gb8mz7d]

As a generation we are hopeless 😢

[@MickyGlover]

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?.

[@donovantobs]

well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

[@siluogompah4463]

Buy low, sell high. If stocks is where you want to place money then when people are complaining about how stocks are losing, that is when to invest. Also best to just invest in the S&P 500 than individual stocks. Also consider getting a whole life insurance policy with IUL that is invested in the market. I do this now without investing otherwise. I have a small 401K my work forces and past stock and IRA investments made. I don't know all the words for the whole life plan but youtuber Donnell Stidhem (sp?) is a good person who understands this and also gives free consultations. I've actually met with him and he doesn't force you to sign up with him or do anything. However if you really want to change your life I would buy businesses even ones that allow you to be mostly passive (get ones with seller financing, great profit returns), invest in multifamily buildings (again use leverage, don't place all your money to own free and clear), become a lender (consider being a "gator" for others purchasing investment properties or businesses). I'd do all 3 and still open the life insurance policy which in 10-20 years you can borrow 6 figures from yearly but never run out of money. I am not a financial planner and this is not financial advice. I'm just on my own wealth journey/work to protect my money. I've carefully sourced properties and instead have had things like 200% returns. I own businesses I started and now will only start a business as a way to raise funds but prefer to find businesses with a proven track record that either line up with my current trajectory or are safe and profitable. For instance I have a film production business. I look at businesses like digital marketing or film distribution which go hand in hand. Or I look for laundromats, car washes, auto repair shops, especiallu when they have decades of history.

[@scothowat3761]

Lend it to people like me. I buy and hold rental real estate using private money from people just like you.

[@cecilia2001]

Invest into index funds like VTSAX (from Vanguard) if you want to invest long term. Don’t buy individual stocks unless you know what you’re doing. Also, max out your retirement accounts for the year for the tax advantages and try to contribute as much as you can towards them every year. Remember putting money on retirement accounts is the first step, but you also have to invest the money in them as a second step for it to grow

[@LivingAlignedLMT]

High yield saving account Suggestions: SOFI, ALLY, MARCUS by Goldman Sachs, AMERICAN EXPRESS high yield

[@harmanhelena]

Yayyyyyy my two favourite

[@tamilarasi-bn6fj]

Try to make few research before letting anyone trade for you like I did ❤ Thank you Jesus, God bless America.

[@englishwithwareesha]

Ooh my god you invited her❤

[@Waltaere]

Marinaa 😃

[@D_Money_Talks]

I have a question, is it best to invest in 401k or Save 1, 3 to 6 months of living expenses?

[@killamatrix1]

Living expenses first

[@AFGixxeR88]

So how does she make her high income

[@ibrahimseth8646]

If Government give second chance. Loan=50M Yield=5% Year=30 Loan(30 Year)=50M*1.05^30 Loan(30 Year)=220M Payout(30 Year)=250M { Loan(30 Year)=220M Balance(30 Year)=30M } Premium(Insurance)=? Yield=8% Year=30 Premium=250M/1.08^30 Premium=25M Loan=50M { Premium=25M PettyCash=25M(Now) } Thank you.

[@pmlike]

Go find the new book by Tony Robbins - your unfair advantage -🎉 …the holy grail of investing - especially if you live in the US

[@christopherpaul5]

I just want my money to keep outgrowing the inflation rate. That’s why i've been looking for the right companies now to invest about 150k i have packed in the bank, i hope NVDIA is the right choice. Just don't know strategies to employ to make significant gains.

[@KevinClarke9]

Select high-quality stocks and monitor their performance. If you find this too complex, consider hiring a financial advisor to help grow your money. That's what I do. My portfolio increased by $47,000 in the last quarter.

[@ScottArmstrong12]

You're right, I and a few Neighbors in Bel Air Area work with an advisor who prefers we DCA across other prospective sectors. Instead of a lump sum purchase, Following this, my portfolio grew 40% in the last quarter.

[@ritalorrigan]

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

[@ScottArmstrong12]

Carol Vivian Constable is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@ritalorrigan]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip.

[@sarahashman-ks7wl]

when 50% of your monthly salary is just your rent, after getting masters in top university in Moscow. oh well.

[@Kate.Sangalang]

My wants are only 0.1%. Its always Needs/Essential/Necessary.

[@tahirisaid2693]

Investing your life savings in a rental property without certainty of returns can be risky. It's crucial to thoroughly evaluate the investment potential before diving in. I've learned that making wise investments is key to building wealth. It's not just about investing money; it's about investing smartly to secure a prosperous future. Here's to making informed decisions and achieving financial success!

[@JackHudson.]

As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.

[@AshlelThomas]

A robust strategy is crucial for any investor's portfolio. When it comes to making high-stakes decisions, the greater the risk, the greater the potential reward, and it's wise to seek guidance from seasoned professionals.

[@Emmahernandez.]

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

[@Emmahernandez.]

Kenna Muriel Hesseling 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.

[@mbank3832]

Three words: VOO and chill

[@AFGixxeR88]

So why does just putting money into a HYSA give you such a big return

[@starinthewest]

Why not to give the acronym opening from the beginning? 🙄

[@cejuson4004]

She was interrupted

[@mybossisablessing7802]

S.T.R.I.P.

[@vgardner1688]

How about teaching a single mom with ADHD how to make money with no money? My arms are getting tired from treading water. I need help. A regular 9-5 job just doesn't cut it anymore & my ex is dead. I don't want a hand out, I just want a hand up.

[@ericcsn]

25Millions - sure easy peasy

[@leticiaenraz8514]

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but taking risks puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

[@fredrickalfarez6875]

I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.

[@dominicleong4385]

I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.

[@bigelbow2966]

I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.

[@annddyyy-6920]

I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.

[@fred5528]

I definitely will like to know more.

[@user-ru4ed2rf9t]

How is this person publishing a book with such a stale, well rehearsed info. This has been told by many other financial gurus. Did she just repackage old info? The way she presents it is like she reinvented a wheel. Her advice about F money is insane. Nobody would ever retire if they needed 25 mil.. This make me feel better about my own financial knowledge.

[@DrAJ_LatinAmerica]

Yes, all old info. Plus there are medical bills for that unexpected cancer, companies close and retirement accounts in zero, employees screwed, .... 50/30/20 not realistic for the majority of families

[@Steve65065]

These ridiculously high retirement numbers in the millions are ridiculous. No one is supposed to die with all their money intact and be living off the interest. You spend down the principal instead and enjoy your hard work from earlier years.

[@haute03]

@@Steve65065 If you want to die with zero, that's fine, but not everybody wants to go that route.

[@haute03]

You just described 95% of personal finance influencers. Also, she's said many times that the info. isn't new. She's just delivering it in a way that's easy to digest and apply to one's situation, which is why her content is so popular. Also, $25 million is *her* F-you number. No one's saying that *you* need $25 mill to retire.

[@morganstubie]

Yep, $500,000 is a good number, invested of course. $25 mil is BS

[@CloudyTreats]

And what about a single mom of two teenagers with a salary of 1100 euros/month? How do i save money if i can't even aford living?😢

[@gutimegamix2543]

I feel you. I listen to her saying she'll retire when she's 40 and I'm realising in less than 5 years I'll be 40. I can't imagine retiring at that age. There's only an small % that can do that.

[@jhoncena1111]

Invest $10 and let compound interest do its thing. If you can double that $10 consecutively for the next 20 years: 10(2)^20=10.4 million. Perspective is everything. Yes, you're poor now, but you can leverage time and discipline to make $.

[@GaryRabatin]

“Mmmm hmmm.”

[@randolfkila2125]

What on earth is a 2-handle or 7-handle interest rate ?

[@randolfkila2125]

I figured it out. 2 handle is a term for an interest rate in the 2 range meaning between 2.0 and 2.999. 7 handle is between 7.0 and 7.999. This term is a general categorization which disregards the numbers after the decimal.

[@temirlantogay8246]

I'm the first viewer

[@greypixelphotographydotcom5754]

That’s your achievement it seems and happy with it.😅

[@nancy9671]

Hate the advertisement 😅

[@brandonchandler9032]

If you shot for 25 million and ended up getting 12.5 million that would still be fantastic. Its all about adjusting our lifestyle to. Make more or spend less.

[@MrTexaz101]

Are you saving more or investing more?

[@jhoncena1111]

Invest first, then create a savings when you're ready to retire.

[@saidisaheed2957]

STRIP? Did I miss the rest of it??

[@micheal_mills]

I'm a 52yrs Director in a Tech company and I consider myself a high income earner at $350,000 per annum, I have a retirement account account but i still want to explore opportunities for short term gains before i start working less in few years.

[@donna_martins]

In my opinion, IRA is a valuable strategy for retirement planning, providing growth and tax advantages. While the market is promising, expert guidance is essential for portfolio management.

[@Walter_hill_]

I learnt this when I got disabled from an accident, I had to reach out to a financial planner who devised a plan for me to live off dividends from my investments. Other than Disability Cheque, I earn enough from home and live comfortably with her help.

[@Trevor_Morrow_LTD]

How can i reach this person?

[@Walter_hill_]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with vivian jean wilhelm' for the last five years or so, and her returns have been pretty much amazing.

[@Trevor_Morrow_LTD]

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.

[@anauxistentialcxuxui9390]

26:49 My freedom fu money 💰 amount invested at 4% will be $18,760,000 million 👀 somebody give me a loan!

[@vividhaiku]

God imagine labeling yourself as Silicone Valley Girl... Disappointing. Great content. Terrible place to live. Yes. I lived there. Still own in Los Gatos Rinconanda Hills

[@rajashreejayasingh1652]

They all say the same thing and make themselves rich by us.. 😀

[@glansingColt]

that Eminem line isnt Gross

[@Discovery123.]

Buy gold, that’s my best advice. Investing in online casino (stock) guaranteed you will loose soon or later.

[@CabanaD]

Welcome ladies and gentlemen to the worst comment on KZbin. Do not take investing advice as in specifically what to invest in from KZbin.

[@patriciawright4122]

Unfortunately, nothing new here.

[@JoJo-vi6xx]

I just want to sell hats I’m gonna be a millionaire by 30

[@diosadeamore]

30% for wants !?!! Wow......

[@damoneymaker]

These rich people say these info with ease cause they got money set aside while the rest of Americans are living paycheck to paycheck. Yeah, maybe just maybe a lot Americans will do this but don't count on it 😂😂😂😂😂

[@bfoz]

Thought it was urmomashley for a second.

[@diosadeamore]

Why is this biased against creators?

[@victorh8863]

Not impressed

[@jean-francoislarocque-drol2460]

A few red flags here : 4% rule is flawed and based on having only Us investments performing at historical level. Plus, what a shity answer on taxes at 27:00... As if you could do either...She really looks like someone that has no professionnal training or knowledge, but simply spits out what you would find if you searched on google about budgeting, when to retire. I'd be careful following her advice, although it's better than most, it's still an approximation.

[@Cryptochik]

I hope ladies are exploring cryptocurrency. It could truly help you reach financial freedom.

[@killamatrix1]

These people talking probably dont even have 100k saved

[@roadtosupreme]

the host seemed clueless at the most basic info lol

[@Northwindbreeze]

Pyramid 😅 friends meeting again

[@koowasha]

Every time anyone is getting rich, many others are becoming poorer in this system. You are making a better life for yourself in the cost of making the world and your society worse. Meaning you are actually not getting a good life. Unless you think collectively and make a better community, you are a fool, putting you and your children into danger.

[@IMBLESSED-oe6dl]

Easy to talk all this talk when u gotta a spouse to supoort u to run thisnbusiness of youtube. I m tired listening to these youtubers. This isnnot practical for ppl w kids who a paying almost as much as their mortgage in childcare. Easy to do all this talk when u dont have kids.

[@donaldlyons17]

Yeah but almost all of them do have simple ways of making money.... but the majority of people not at all!!!

[@BorderlessCommerce]

You should probably look for the creator that has gone through that situation. (Family, full time, and youtube) Her principles are doable, but most won't get her results. The reality is it will take at least 3-5 years to get the ball really rolling, especially if you are raising kids and have a full time job. (I am speaking from personal experience here)

[@donaldlyons17]

@@BorderlessCommerce You do know the results is the point for many watching her right? All the other stuff matters little if the outcome is a mess IMO. So no it can never happen especially with a full time job and kids!!!! Most people I know with young kids are not making 100K+ yet those I know who are don't have kids soooooo....

[@BorderlessCommerce]

@@donaldlyons17 Yeah, click baity, but there are creators out there that show REALISTIC progress and expectations. Suggest you follow those. An example is Think Media (Sean) He has gone through the real grind for years before making it. None of that silly, get my results after 1 year mess that is super unrealistic. I have 2 kids of my own, been doing the youtube and full time job thing for about 2-3 years. In about another 2-3 years if it keeps going at this rate or better, I can definitely see myself in a way better position. Alot of these creators sometimes hide or dont clearly explain what it really takes for realistic cases. Your stage in life if you are single with no responsibilities is very different than when you have a family where you cant take too big of a risk that can destroy your finances unlike when you are single.

[@jesssc402]

Why is she always angry

[@jhoncena1111]

Huh

[@isfatman]

Many people pay above 50% for apartment they live in and very few can afford to save 12 months of income. It's unrealistic. Vloggers helping other vloggers to keep making more money, that's real b***it.

[@mollygiovanna1095]

You can listen to Dave Ramsey and get the same advice. Nothing special in here. I don’t understand why tin interviewer is so gaga over this woman.

[@imanaazeez]

It's summed up, it's not telling to starve and sell the dog.

[@mollygiovanna1095]

@@imanaazeez that’s Suze Ormand.

[@imanaazeez]

​@@mollygiovanna1095 No, I never listened to her. I actually took financial University, have his podcast and 2 of his books

[@FIREownyourtime]

Boring AF.. these two have nothing new to contribute and whatever she said has been chewed and spat up more times than i know...

[@bingsterc7621]

With all due respect, but Social Media People AIN’T “influencers”, they are “content creators” It’s so F-ING CRINGEY to describe Social Media People as “influencers”.

[@kayleethebabe]

With all due respect some of them are influencers due to not creating any real content. I’m not calling a girl who only posts pretty pictures and ads gained from those pretty pictures a “content creator” sorry if that’s “cringe” to you😂😂😂