The 6 Accounts EVERYONE Needs For Financial Freedom (OPEN THESE TODAY)

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Rose Han

Rose Han

Күн бұрын

Пікірлер: 903
@itsrosehan
@itsrosehan 3 жыл бұрын
***FREE DOWNLOAD: Ultimate Guide to Investment Accounts www.rosehan.com/ultimateguide
@Xcepticus
@Xcepticus 3 жыл бұрын
🤝 Thank you #InvestingWithRose!
@jessicaarnold8316
@jessicaarnold8316 3 жыл бұрын
Thank-you for this valuable resource!
@jessicaarnold8316
@jessicaarnold8316 3 жыл бұрын
Which is better to invest in a 403B with Edward Jones with high fees and expense ratios (my school won’t let me choose which company I would like) or investing more with my own brokerage account with index funds of close to zero percent expense ratio?
@gregorypew793
@gregorypew793 3 жыл бұрын
Best and most easily understood explanation of Roth IRAs and HSAs I've seen yet!! Very informative!! I'm wondering if you have an opinion on Bitcoin and Crypto? Particularly on apps like BLOCK FI , M-Stable and Crypto.com that offer 10-12% interest on stablecoins pegged to USD or the EURO. Ok, just finished your Bitcoin video, still want to know your thoughts on the rest. Thanks 😊
@spencer2679
@spencer2679 3 жыл бұрын
Hi Rose , so what if you’re single , make over the the max AGI for a Roth IRA ? Where would you put your money ? What about when Biden’s Administration removes the tax break for the 401k what would you do then ? Thanks for the help
@ekthako7956
@ekthako7956 3 жыл бұрын
Coming from an immigrant family, I never had the opportunity to learn this crucial information until my mid-20s. The more information I get from your videos, I'm more determined to put an end to the cycle of poverty in our family. Thank you, Rose! You are changing my life.
@mercedesperez3904
@mercedesperez3904 2 жыл бұрын
Likewise
@monamorris8337
@monamorris8337 2 жыл бұрын
Thanks a mil Rose! You have inspired me! I’ll be investing on a regular basis. God bless you. Thanks for sharing your knowledge with us. We appreciate you.
@yoelalmeida3259
@yoelalmeida3259 2 жыл бұрын
When you know better you do better indeed.
@homeaudiobasics
@homeaudiobasics 2 жыл бұрын
Both sides of my family came here pre revolutionary War. So we've been here a long time. The few things I was taught about finances were incredibly wrong, especially when it comes to credit. I had to figure it out my self and honestly took me till my late 30s to gain a proper understanding. Best advice is don't rush into marriage. Don't have kids until you're financially stable. Invest in your future. Slightly less money now means much easier life in the fiture.
@feefees9796
@feefees9796 3 жыл бұрын
EXCELLENT VIDEO THANK YOU SO MUCH!! 1. Savings Account for Emergencies 2. Workplace Retirement Account 3. ROTH IRA(DONT HAVE TO PAY TAXES) and Traditional IRA (YOU WILL PAY TAXES) 4. HSA-HEALTH SAVINGS ACCOUNT 5. HYSA- HIGH YIELD SAVINGS ACCOUNT FOR BIG PURCHASES 6. TAXABLE BROCKERAGE ACCOUNT
@feefees9796
@feefees9796 3 жыл бұрын
@@investingwithrose6401 Not trading. of course I want to do that too. But I want to invest for a monthly return. I want a return of 600.00 a month that is what I am looking for. 7200 or more a year.
@feefees9796
@feefees9796 3 жыл бұрын
@@investingwithrose6401 Thank you for responding.
@DS-vx3wf
@DS-vx3wf 3 жыл бұрын
0:55 Account #1 Savings Account for Emergencies 4:15 Account #2 Workplace Retirement Plan 6:12 Account #3 Roth IRA 8:55 Account #4 Health Savings Account (HSA) 10:55 Account #5 Savings account for Big Purchases 13:52 Account #6 Taxable Brokerage Account
@Stan_sprinkle
@Stan_sprinkle 2 жыл бұрын
just look at the chapters (or maybe she added the chapters afterwards)
@pauravidesai9500
@pauravidesai9500 Жыл бұрын
Thanks for the summary
@ericaardenearningsixfigure5263
@ericaardenearningsixfigure5263 3 жыл бұрын
An emergency fund and retirement account are both essential, good to see them first up in this video.
@like_traveling_up_a_river
@like_traveling_up_a_river Жыл бұрын
I thought I was doing pretty well in my personal finance, but I was today years old when I learned that $ in an HSA is not a "use it or lose it" account. Thanks, Rose! I am learning so much from your channel. A little late in life, but better late than never, I guess.
@lting001
@lting001 3 жыл бұрын
Rose is gonna to be rich soon. She is smart and know what she is doing.
@michaellanky
@michaellanky 3 жыл бұрын
Beautiful don’t forget beautiful. I know that’s no criteria for becoming wealthy but it’s still worth mentioning.
@indiakxoxo
@indiakxoxo 2 жыл бұрын
I love the way you do finance videos. They actually hold my attention! Thank you so much for taking time out to make videos!
@NicaNuestro
@NicaNuestro 3 жыл бұрын
"The key is in not spending time, but in investing it." - Stephen Covey Always love your videos Rose, very informative. This is the type of education we all need to navigate this consumerist society.
@deannawong2142
@deannawong2142 3 жыл бұрын
Ever since I started watching your channel last year, I have come pretty far along on my journey to financial freedom (I started 5/6 things from this videos list)! It's really empowering to not stress about money and having a solid plan, I appreciate these easy to follow roadmaps you discuss in these video! Keep up the good work and definitely love that you have a YOLO fund. 😊
@GregActonCPA
@GregActonCPA 3 жыл бұрын
That's so awesome! Keep up the good work!
@hannahwhitley002
@hannahwhitley002 3 жыл бұрын
You are the best financial educator on KZbin!! I have watched so many and you make it SO simple and easy to understand. Honestly, this information is changing my life by my understanding of financial literacy. THANK YOU!!!! ♡
@itsrosehan
@itsrosehan 3 жыл бұрын
WOW thank you, your comment made my day!!!
@milanfilipovic3648
@milanfilipovic3648 3 жыл бұрын
This channel is awesome for a clueless 20-something like myself. Thanks Rose
@OO-nv9wq
@OO-nv9wq 3 жыл бұрын
Rose, thanks for the great video, as always. Actually, I recently learnt that HSA is a triple tax loophole (if you add money to the account yourself) but quadruple tax loophole (if the employer does it automatically). With the latter, you avoid payroll taxes that you don’t with the former. An excellent vehicle!
@dataghost2307
@dataghost2307 3 жыл бұрын
I'm 32 and 2008 sucked. Especially for my friends that went to college. This video is great. The simple moves to make to be financially secure. 👍
@Braindazle
@Braindazle 3 жыл бұрын
@Data Ghost 👻, you don’t want take up that offer with Rose, she will take your BTC and block you. She’s soo good that she will convince you with her sweet talk. Please be vigilant. Rose is the green snake.
@dataghost2307
@dataghost2307 3 жыл бұрын
@@Braindazle wow she's in it to win it. 🤣 thanks
@jellygurl27
@jellygurl27 3 жыл бұрын
Yes I am the same age those year between 08 until 2012 was the worst.
@insomnia9999
@insomnia9999 3 жыл бұрын
Yup I graduated in 2007 and it was awful post graduation. Those were crucial lost years to make money
@jonathanrosemark
@jonathanrosemark Ай бұрын
Rose, honestly, I've seen so many finance related KZbinrs, but you are truly the best one in my humble opinion! Keep up the good work!
@TGator0321
@TGator0321 3 жыл бұрын
Lord help me, I must be smitten. Financial talk is boring when other people do it. 💙 Keep killing it Rose!
@theansangong2659
@theansangong2659 3 жыл бұрын
I've 3 out of 6 accounts you recommended. Thank you for giving me more options for opening more accounts. I'm looking into it when I have more money!
@mylescripps6566
@mylescripps6566 3 жыл бұрын
Your videos are the best . I wish I learned all this information when I was in my early 20s
@briannanb
@briannanb 3 жыл бұрын
im 21 years old, graduating college with no debt, and im just getting into this financial journey, so i don’t have any of the things you mentioned but i’m going to start looking into Roth! I also have a “savings” within my checking which is money i don’t touch, so i don’t go below a certain number if that makes sense. thank you rose!
@brethawkins6075
@brethawkins6075 3 жыл бұрын
I fully agree. One you are missing is a pension account. I am a believer in the three legged stool: Cash, investment accounts (prefer Roth), and a pension. From my calculations that is the secret to early retirement.
@brethawkins6075
@brethawkins6075 3 жыл бұрын
Very true, thanks for picking up what I missed to convey.
@DavidEVogel
@DavidEVogel 3 жыл бұрын
One you are missing is a pension account. Workers under the age of 40 are asking "what the hell is a pension account?"
@jclyntoledo
@jclyntoledo 11 ай бұрын
​@@DavidEVogelExactly my question 😂😂
@aleshapalmer186
@aleshapalmer186 Жыл бұрын
I don’t know what made eBay start showing me your content but I’m glad they did. This video was so helpful. Then you made a guide available. I just subscribed and looking forward learning more from you.
@mikedeanb
@mikedeanb 3 жыл бұрын
I'm so glad I found your channel! I'm a hardcore Dave Ramsey plan follower and I've gotten to the point where I need a little more help with baby steps 4, 5 & 6. This video has confirmed for me that I'm on the right track and my thinking is correct on the next steps, which is that final account you talked about!
@daron9229
@daron9229 3 жыл бұрын
YT may be filled with flowers, but there is only one Rose.
@unityaboriginelove6595
@unityaboriginelove6595 3 жыл бұрын
Rose, I was sitting on savings enough to pay off two of my credit card debt. I was saving for an emergency, but hearing your video where you said that if you have emergency fund of at least $1000 then pay off the debt. I paid the 2 credit cards off this morning. Although, I miss the money. I feel better about freeing myself of those two HIGH interest rate credit cards. I have two more credit cards to handle: $1,200 and a $3,700. I will pay off the $1200 within the next 3 months or sooner, and then I will handle the last one. I don't want to touch my emergency fund again. I'm not that brave, yet. :-) Thank you for your great advice.
@DavidEVogel
@DavidEVogel 3 жыл бұрын
if you have emergency fund of at least $1000 The emergency fund should suit you. Consider the loss of a job. How long will it take to find another?
@unityaboriginelove6595
@unityaboriginelove6595 3 жыл бұрын
@@DavidEVogel - I have more than $1000 in my emergency fund. I don't know how long it will take for me to find another job. I'm not as young as I used to be. :-)
@nadiah1987
@nadiah1987 3 жыл бұрын
For UK 🇬🇧- Savings account = savings account Roth IRA = pension account for retirement Investment isa = stocks and shares isa Taxable account = cash isa Health account is only applicable if you have health insurance of course. (In the UK we all have access to free* healthcare) *funded by tax payers money Thanks Rose super helpful for even us in the UK as the account set ups are pretty similar! I love the way you explain it. Easy to follow and now boring lol!
@Martin115CZ
@Martin115CZ 3 жыл бұрын
What’s the difference between Roth IRA and 401(k)?
@Mythrex8
@Mythrex8 3 жыл бұрын
It's like talking with a fiduciary but in the comfort of your pajamas. Great video.
@briand.1694
@briand.1694 3 жыл бұрын
I really like your approach to explaining things. Too many people sound like they are trying to sell you something. Thanks for making another great video.
@Ashleyalexisamaya
@Ashleyalexisamaya 3 жыл бұрын
I love your videos! I wanted to let you know for small business owners, if they use square, square banking offers a .5 percent saving account also that takes a percentage that YOU set from your sales! Also you can make as many “envelopes” as you want!
@Nicloves
@Nicloves 3 жыл бұрын
love all the info you share
@alinagordyn
@alinagordyn 2 жыл бұрын
You are amazing Rose. No one before you broke it down like this for me. You did not just make sense but made it more approachable for me. I will follow this model from now on. Thank you.
@NeoYorquina4U
@NeoYorquina4U 3 жыл бұрын
Very informative Rose! I don’t have #4 because I always felt health plans with HSA’s are expensive and take a huge chunk of my paycheck- but the loophole is making me reconsider. For #6...I opened UTMAs for my children/nieces, so I consider the last one as the taxable brokerage accounts. Thank you for the advice 😊
@Jaji813
@Jaji813 3 жыл бұрын
OMG! You're so underrated! You're the only person so far that discusses what/how and most importantly WHY!!!! Thank you so much! I will share this with my whole family! :)
@djbessel
@djbessel 3 жыл бұрын
Great channel, Rose! Thanks for the easy-to-understand walkthrough. I would note that there are annual caps on tax-free 401k contributions, so in your example $20,000 is just a hair over the cap of $19,500 (although your employer match can take you beyond this tax-free). If I'm wrong on this, please let me know, I'm not a CPA or anything. As usual, check with your accountant.
@raynaldfernandez1436
@raynaldfernandez1436 3 жыл бұрын
My favorite investment channel
@dontbanmebrodontbanme5403
@dontbanmebrodontbanme5403 3 жыл бұрын
A couple of things: 1. You can contribute $7k in an IRA/Roth IRA after the age of 50 2. You can't contribute to a Roth if you make more than $140K a year, unless you use a backdoor Roth technique Good video. I never thought about an HSA. Hopefully my job (which I just switched to) offers it as an option.
@joeyhomewood
@joeyhomewood Жыл бұрын
What’s a back door Roth technique?
@bleulesyeux5416
@bleulesyeux5416 Жыл бұрын
​@@joeyhomewood Convert a Traditional to a Roth.
@juliag1063
@juliag1063 2 жыл бұрын
"financial freedom does not happen over night" Thank you!! So many people make all of the steps so stressful and in a DO EVERYTHING RIGHT HERE RIGHT NOW! And while the goal is to set up all of these wonderful things everything right now is not always easy or even potentially a good idea lol. Working on building up everything on the speed that I can. Thank you for all the amazing videos and information! Education is knowledge and knowledge is POWER 💪
@joelibretti
@joelibretti 3 жыл бұрын
Rose, You are Awesome!! TY! Wondering if you are able to do a comprehensive video on ‘Settling Credit Card Debt’? Good Move? Bad Move? Etc. I value your opinion and I think many people, in trouble financially, could benefit from your direction on this topic. Thank You, Beautiful Person. 🌹
@a.m.9357
@a.m.9357 3 жыл бұрын
You give a lot of common-sense advice and information. Thank you for doing all this for free. I am sure it will benefit so many people. May even change their lives completely for some people. I wish you happiness and success in your life. Bless you.
@UpDive8
@UpDive8 3 жыл бұрын
Big fan here! Totally agree. So EVERYONE, listen to Rose and make that effort to set up those accounts! Emergency funds, HSA, tax brokerage account etc.!
@biggieshorty
@biggieshorty 3 жыл бұрын
Glad I found your channel. I have some of these but need to get the rest. I love my HSA and actually have 2 of them.
@jellygurl27
@jellygurl27 3 жыл бұрын
I got my braces with my HSA a great deal. I just let it grow and was able to pay for them with that. I recommend everyone use. ALSO ladies HSA now covers all feminine products take advantage
@zuhalterei4090
@zuhalterei4090 3 жыл бұрын
HSA is best not to touch the money for medical. Just pay out of pocket and let your $ grow. Otherwise you lose on the benefits of an HSA.
@marzipan2555
@marzipan2555 3 жыл бұрын
@@zuhalterei4090 tbh that seems questionable??? Like, if I need to pay a medical expense anyways, I might as well use tax free income for it
@zuhalterei4090
@zuhalterei4090 3 жыл бұрын
@@marzipan2555 yes but the $ is triple tax free in retirement. If you use it for current expenses, you are getting the funds at a discount (your marginal tax rate), but you are giving up years of tax free growth. If it is a large expense, I get it, but it is usually better to let the money stay put since you have to have High Deductible plan, which you only get while working not retirement
@BMahinalaniM808
@BMahinalaniM808 3 жыл бұрын
You can also keep your savings in your local credit union too. No minimum balance fee, no surcharge ATM fees, possible HSA account opening & high yield dividend rates.
@janicelee6697
@janicelee6697 3 жыл бұрын
Rose you explain complex financial issues in such a clear concise way! Love your videos!
@Adrian-cn5rk
@Adrian-cn5rk 3 жыл бұрын
She's also fine as hell
@jarc02
@jarc02 3 жыл бұрын
Retirement plan at work (with addition of a pension), Roth, and taxable brokerage = Yes. Not eligible for an HSA. Emergency fund spread across 3 accounts (Fidelity money market fund, Schwab Hi-yield checking, credit union money market) - halfway to my goal for the year but already have 3 months saved. 2 additional Schwab accounts that I invest - one for a new car (3 year time) and retirement home - 10 - 11 year time.
@dionthetaurus
@dionthetaurus 3 жыл бұрын
i’ve been watching you for a few months and i was so excited for this video! because of you, i already had 4 of these! and i’m only 24! when i’m comfortable and retired at like.. 45, i’ll have you to thank!
@UpDive8
@UpDive8 3 жыл бұрын
If only I was 24 And wished I could say the same thing. Haha
@roy.actual
@roy.actual 3 жыл бұрын
Great video. I learned very early that automating my funds was the easiest way for me to be successful with money. It took some time to figure out who much to dedicate toward each goal and it does require occasional tweaking but it worth the time, for sure.
@user-qc8vj3vp9v
@user-qc8vj3vp9v 3 жыл бұрын
Hi Rose - you are undeniably the BEST!!👍💃🏽 You provide such informative and invaluable information to us the public. We are truly indebted to you as we never learned any of this in high school or college. We value you for taking the time to educate us; thank you so much. Keep on doing the excellent job you are doing; it is so appreciated. LOVE, love you for what you do educating us! Peace, Blessings & One Love~ ☮🙏🏽💟🕉
@christopheryoungblood1205
@christopheryoungblood1205 3 жыл бұрын
I have an HYSA and a Roth IRA so far. Right now, I'm focusing on paying: 1) Savings, 2) Debt (Student Loans, etc.), 3) Bills, and 4) Roth IRA in that order.
@frankforte239
@frankforte239 3 жыл бұрын
This is the best video I have seen from to date. I have watched them all! Good job, Rose. Can you please talk about index funds. Also, I like your video closing music, very uplifting! ;)
@lostboi3974
@lostboi3974 3 жыл бұрын
Bravo!!! I was literally adding sub accounts to my Capitol One 360 as you were explaining it. EMERGENCY FUND, INVESTING, BILLS, etc. WHAT A TON OF GREAT ADVICE!!! Thank you. And I also subbed and downloaded your guide to investing.
@dimpho.ngache
@dimpho.ngache 3 жыл бұрын
Great content Rose. I appreciate the time you take to create these quality videos. Thanks for sharing!
@PropheticRhemaWordofGod
@PropheticRhemaWordofGod Жыл бұрын
Rose I am mesmerized by you and I love the way you put out the information !
@sarahkarenelston6818
@sarahkarenelston6818 3 жыл бұрын
Rose you are great mentor to be i have add to my knowledge your teachings to be financially independent and i'm glad i came across your KZbin channel...
@jonathanperkins4156
@jonathanperkins4156 3 жыл бұрын
On my way to financial Freedom and your videos are major . Literally using your videos as a benchmark , along with books I’m reading .
@LifebytheBowRiver
@LifebytheBowRiver 3 жыл бұрын
Thanks for mentioning Canada! 🇨🇦
@vaderwashere365
@vaderwashere365 3 жыл бұрын
Thank you for the video Rose. Great list. The only one I don't do is the IRA. If you max out your 401K from age 30, it will be over $3M by age 65. You can manipulate that in a few ways, but do you need more money tied up than that? Or should you use that money to buy other assets now? It is great if you want to lock in more of your money beyond your $20K+ in a 401K, but for me, the flexibility is far more important. Also, saving for a big purchase, like a home, can be beneficial if you do it much earlier. In areas where home prices are high and appreciate, waiting isn't usually a good tactic. Living in the Seattle area, I know many people that thought they could wait, but now can't afford a home anywhere near the city. I bought a home in Seattle shortly after college for these reasons and now it is an income property. Paying a mortgage that is now 1/2 or less the rental rates is a huge benefit. If I would have started an IRA and an HSA before that, then I likely would have been priced out for many years. When calculating, make sure you include the rent you are paying as straight expense that doesn't build any equity. So what worked for me was (1) Emergency fund - after step 5 I changed to Long-term stock as emergency (2) 401K employer match (3) home purchase (4) 401K max (5) Purchase Account (6) 15% off ESPP - instead of an IRA (7) HSA - had health problems before or would be 4th (8) Stock account
@nolanreach2088
@nolanreach2088 3 жыл бұрын
Send your link to my wife yesterday, she's only beginning her investment journey. Thanks Rose.
@davyannajones
@davyannajones Жыл бұрын
I’m 34. I’ve been through a real recession as an adult idk wtf you talking about. In 2008 at the peak of the recession the oldest millennials were 27 years old. The great recession was from 2007-2009. It effected a decade worth of adult millennials. Those of us who were just entering adulthood at the time got it the worst because we were just starting and at a huge disadvantage. 1. Gas peaked at $4.11 per gallon 2. We had to compete with people a decade older than us for basic retail jobs. 3. The rental market was in a frenzy because of so many foreclosures. Not all of us went from high school to college as a continuation of childhood with mommy & daddy to fall back on. Many of us were thrown in the fire and it was hard.
@MassMoment
@MassMoment 3 жыл бұрын
Rose, I love your channel! I have a question for ya. My wife and I saved up 6 months of expenses for our emergency fund. Because of the pandemic and lowering interest rates, our HYSA dropped to returning only 0.4%, which I know is getting eaten by inflation. To hedge against inflation, we moved 2 months of the fund into total US and international bond funds with Vanguard (VBTLX and VTABX). The funds are considered to carry relatively low risk (2 of 5). We have very, very secure jobs with the government, but I do have a chronic illness. Do you think this 4/2 split of our fund is worth it to guard against inflation? Thanks so much for your time!
@TheDude-em1xk
@TheDude-em1xk 2 жыл бұрын
Smokin hot Rose! Oh, and great video! :)
@lofiseed
@lofiseed 3 жыл бұрын
Great video Rose. I appreciate you sharing all your knowledge 😁
@KDotdidit263
@KDotdidit263 3 жыл бұрын
I love your relationship with money. I wish more people shared your views. Keep up the videos Rose!
@tins2188
@tins2188 3 жыл бұрын
Please discuss 529 plans for children. Thank you 🙏🏻!!
@callmeNeno
@callmeNeno 3 жыл бұрын
Thank you for all you do!! The biggest mistake early on I made was keeping my emergency fund in the same bank as my checking too easily accessible ~~
@tzukatt
@tzukatt 3 жыл бұрын
Roth RIA now up to $7000 per year. Since 2021. 👍🏽
@thenewfire
@thenewfire 3 жыл бұрын
Took me forever to find a video to share with friends about this. This is perfect
@enarodriguez9360
@enarodriguez9360 3 жыл бұрын
Rose please do a video on ETF QYLD love to hear your opnion!
@ryanfitzsimons7388
@ryanfitzsimons7388 3 жыл бұрын
Tip. Look into high yield checking accounts and not just savings accounts. Evansville teachers federal credit union offers 3.3% of the first 20K. Minimal hoops to jump through. 1 of the hoops is 15 debit card transactions a month. Amazon lets you reload a gift card in 50 cent increments from debit cards.
@videoguru1987
@videoguru1987 3 жыл бұрын
Yep rightly said Rose, making financial savvy decisions aren't always glamourous but is necessary for survival. Of course, at the end of the day, those instagram followers dont pay your bills
@Sable1837
@Sable1837 3 жыл бұрын
I have 6/6! Though, the only account I cannot yet afford to max out is the 401k but I am working on it. I love your videos, Rose! I'm always sharing with friends and family. :)
@FrugalFam1
@FrugalFam1 3 жыл бұрын
6:11 - *Roth IRAs!!* Big fan 💪
@rubenmartinez1372
@rubenmartinez1372 3 жыл бұрын
Love the valuable insight you provide. I am 61 and have saved a nice nest egg for retirement and done it by maximizing 401k contributions. If you do that, before you know it you will have $1M+ in savings. One account that I also have is a major expenses account to cover big ticket items such as property taxes, car and home owners insurance so I don't have to draw from savings. Thanks Rose
@johnhaslett6714
@johnhaslett6714 3 жыл бұрын
Well. This is very informative. Financial freedom is very important. It gives you financial control instead of your employer or the government. I do enjoy your videos. 🌹 Rose.
@johnhaslett6714
@johnhaslett6714 3 жыл бұрын
@Investing with rose thanks 🌹 Rose. I will definitely call and get some help from you.
@johnhaslett6714
@johnhaslett6714 3 жыл бұрын
I am going to set an appointment if your schedule allows it.🌹 Rose
@ToopidPonay
@ToopidPonay 3 жыл бұрын
You explain these things better than anyone on KZbin in my opinion! Thank you so much for these videos! 😊
@UberPancakes0313
@UberPancakes0313 3 жыл бұрын
Big fan of all the videos! I appreciate you sharing all your knowledge 😁
@dhaynes325
@dhaynes325 3 жыл бұрын
Good advice. I have 5 out of 6 accounts. I have Capital One for everything in which is great and Fidelity for Roth IRA . The HSA is the only one I do not own. I’m not sure if I need it but I’ll look into it
@randydaugherty607
@randydaugherty607 3 жыл бұрын
Capital One 360 since it was ING, though divorce pretty much has set me back to square one, stay on your soap box Rose, it keeps us on track, keep them coming and stay safe
@estherlee7220
@estherlee7220 3 жыл бұрын
YOU ARE AMAZING ROSE
@KeithJones31
@KeithJones31 3 жыл бұрын
Awesome advice. If you can’t do them all now start with the accounts you can.
@ladysoy3977
@ladysoy3977 3 жыл бұрын
Thank you for this info, for real! I needed to start somewhere, to put my investment dividends somewhere...
@509travel8
@509travel8 3 жыл бұрын
Thank you for this , I have been learning a lot from your channel . Good job .
@keshav2136
@keshav2136 3 жыл бұрын
Following you was the best thing I did this year
@mariorossi7149
@mariorossi7149 3 жыл бұрын
Your beauty grows and compounds day by day
@MrJaimesJ
@MrJaimesJ 3 жыл бұрын
Fantastic advice. I would add a 529 plan as an honorable mention for those who have kids and plan to save for college.
@JenJaneway
@JenJaneway 3 жыл бұрын
Take the cheapest insurance possible and use your hsa to see natural docs to stay healthy and happy!!
@rambomill9425
@rambomill9425 3 жыл бұрын
Oh btw i just downloaded ur free Ultimate Guide. Cant wait to dive in. 😁🤪
@petekelvin2736
@petekelvin2736 3 жыл бұрын
So hard to find nice content like this. I don't know who, but someone actually needs to hear this, you've got to stop saving all your money. Venture into investing some, if you really want financial stability
@petekelvin2736
@petekelvin2736 3 жыл бұрын
Invest globally in bitcoin, gold, silver, forex market, commodities. Just don't be left out and save yourself
@micheal9186
@micheal9186 3 жыл бұрын
Beautifully said, I tell my folks these words everyday. It's good to save money but most people don't understand the market moves and tend to be misled in facts like this and always depend on money in the bank.
@susanmandy8800
@susanmandy8800 3 жыл бұрын
Pure wise comment.
@petekelvin2736
@petekelvin2736 3 жыл бұрын
@Collins Markson Hey, this is a computer age. Peeps who aren't even traders make money from the crypto and forex markets ,how many millionaires do you know who have become wealthy by investing in savings accounts?
@michealsmith2251
@michealsmith2251 3 жыл бұрын
Very helpful, this is what I needed to hear today.
@ryansyd4224
@ryansyd4224 3 жыл бұрын
Yes with Forex and Day Trading
@alleyesonmeino.c180
@alleyesonmeino.c180 3 жыл бұрын
You're so awsome thank you so much I' have a emergency fund and have only one last debt to pay off on my credit report after I'm start saving and investing and now i know exactly what to do and how , again THANK YOU SO MUCH
@alleyesonmeino.c180
@alleyesonmeino.c180 3 жыл бұрын
@@thegrimmperspective im already ok w my emergency fund , my last past due account is for $6125.00 wich i plan on getting a consolidation loan from a credit union to pay off the debt and make payments on a new loan wich will help my credit score for making on time payments
@wascallywabbit7102
@wascallywabbit7102 3 жыл бұрын
A lady who is very level-headed and who demonstrates a solid understanding of finance and wealth building; living what she teaches. She doesn't stumble on her advice and demonstrates a fluency on her topics that comes through experience. A Ramsey/Kiyosaki baby who has sprouted her wings and now soars as her own brand?
@kazgoz2529
@kazgoz2529 3 жыл бұрын
In Canada, besides to RRSP we also have TFSA (Tax Free Savings Account). In TFSA account we can save money for rainy day or for retirement and not get taxed when we take the money out. This year's limit is 75,500 CAD.
@lifewithnasha
@lifewithnasha 3 жыл бұрын
The best thing you can do for your self is to start investing
@fa3erkiller919
@fa3erkiller919 3 жыл бұрын
Im investing stocks in cashapp
@divagirlari1053
@divagirlari1053 3 жыл бұрын
@@fa3erkiller919 how is that going for you? I was considering a round up investing app. How long has it been if you dont mind sharing?
@fa3erkiller919
@fa3erkiller919 3 жыл бұрын
@@divagirlari1053 couple months I'm learning the basics on I'm calculate what I'm get on my payments
@alfredojones6826
@alfredojones6826 3 жыл бұрын
You have a Knowledge that is Very Deep in Teaching people how to Saving Money in Various ways . Your Strategy is absolutely Phenomenal , I wish there were more Woman like You.
@amherst2013
@amherst2013 3 жыл бұрын
I love the end music guys!
@amherst2013
@amherst2013 3 жыл бұрын
Rose vaca music
@cailarchitectatopks
@cailarchitectatopks 3 жыл бұрын
If you have a W-2 job, the Roth 401k contribution is TAXABLE income in the same year tax return. It is the IRA that can lower the taxable income.
@dnfan1
@dnfan1 3 жыл бұрын
Hey Rose, I know you didn't mention it in this video, but what do you think about 529 College savings plans? where do you think you would put them in the list for a family with children? Just curious. Thanks!
@Chances29
@Chances29 3 жыл бұрын
I have one at Vanguard for my daughter and it’s great. I also have a Coverdell ESA, there are a lot of KZbin videos about both accounts. I highly recommend them.
@raymondcunanan1135
@raymondcunanan1135 3 жыл бұрын
I love the YOLO fund inside the capital One 360 😃
@krisbatch7894
@krisbatch7894 3 жыл бұрын
Love this episode Rose. Thank you for what you do. 💖💖💖
@andreathegreat7765
@andreathegreat7765 3 жыл бұрын
Rose! I'm interested why you didn't mention high yield online account with Ally Bank? Thanks for your financial independence vlogs. I enjoy them so much! Looking forward to hearing from you.
@limbo576
@limbo576 3 жыл бұрын
Made it to the early squad! Not because I woke up early but because I couldn't sleep 😉
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