WHY I QUIT MY NURSING JOB IN AMERICA AFTER 4YEARS

[@mercyk2672]

This information is very valuable, especially the part about long term care. I have a pension that will pay about 4k a month, some apartments back home and my social security income. I also have a 403b with over 6 figures in it and employer sponsored life insurance But I don't have long term care insurance. I'm begging everyone to please listen to this man's advise. I've been working in America for over 15 years at the same job. The first thing I did was enroll in the 403b and read numerous books on personal finance and investing. I wouldn't feel financially secure if I hadn't taken a lot of steps. I've only been putting in $200 a month and my 403b has grown to 6 figures. You don't need a lot of money, just a good plan.

[@cynthiaakula754]

I can help you with Long Term Care to balance

[@soko-yetu]

A good narrative to get your attention and then, when something looks too good, think twice. If you hear someone declare everything else is bad but only his is good, stop there, and think twice.

[@josephinegitahi2019]

Congratulations STEVE for becoming a Financial Adviser full time. Grateful that Jeremy will open his family's IULs with you to enjoy the fruits of what he has heard. Good interview and eye opener to many. Lord open our eyes of understanding to discover what we are missing.

[@mzuribeauty4287]

My Nigerian colleague died while he travelled home from USA. He had life insurance, the wife got paid millions

[@stephenmwangi5168]

Hey Steve congratulations, we worked together at Neonatal ICU at Agakhan hospital

[@gracewaigwe9058]

Worked with him in Gertrude's Childrens Hospital.Proud of you Steve Njoroge.

[@Future88746]

Is he hitched? Asking for a friend.

[@raphaelkoskei4916]

There are so many retirement options. You can contribute your after tax money to ROTH 401K, Roth IRA and there is nothing wrong having life insurance and maxing all your retirement accounts including 401K. Insurance is a broad subject where you need to do due diligence before buying. All insurances have pros and cons. If you have less money and can’t afford whole life or IUL and still building wealth i think term insurance is okay. Whole life also has cash value and living benefits but it is expensive. IUL does not always perform as it is illustrated. Companies can reduce cap rates and there is admin fees. Life insurance is not an investment. Whole life or IUL performs better if structured properly. Most agents don’t understand what they sell, they are just interested with commission.

[@wamaithandichu2174]

He look more of a banker than a nurse.

[@mkarori1]

This is great information, but it might not be for everyone. My take on life insurance is that it should not be an investment vehicle. We buy car insurance, but we lose that money if we don't get into an accident. This does not mean car insurance is not important, it's very handy if you get in an accident. So term insurance makes more sense to me because it's a fraction of the cost of the universal life about 20% cost for the same death benefit and it protects you in your productive or working years. Once you retire, you should have saved enough in other investments like stock market and roth IRA, which grows tax-free and real estate. So do your homework to choose the right policy, but it's very important to be covered in case the unexpected happens. Good job, JD, for all your great guests and the information they share.

[@shiko711]

This is helpful 💯 % legit. It has worked well on my side and that of my kids, I don't save with banks anymore. At the end of the day it is my money and that of my kids, if you don't have it you can NEVER know the value of it so far! Covid time was tough for me and that of my kids especially hapa USA. we're now secured I thank God it's working well kabisa and i wish i knew earlier. And yes I will get more and more. We have 1million dollars product so far, soon we will be working on $ 2m.

[@jemoh6018]

Waafrika ndio wanauza this insurance i dont see wazungu selling it.

[@f.m.2876]

Wazungu started selling it over 100 years ago, Asians over 30 years, sisi WA Africa we are the last bunch to join in.

[@jemoh6018]

Most african nurses r doing it as side hustle only time will tell with this craze.

[@f.m.2876]

@jemoh6018 It's Legit, am one of those nurses.

[@docmom1552]

Good observation 🤔 Last month I had one aggressively try to sway me with the same script. Something doesn’t add up here. You know how The wazungu r always using Africans to make themselves richer. Who owns these companies? Idk. Something is off.

[@divadiva684]

He is selling his theory he is employed the more customers he recruits the more commission he gets, think before you jump on it as it's not a "get me rich quick process"

[@kamanjamwenjerwa7032]

@divadiva684 SHETANI ILE IKO NDANI YAKO NI MBAYA SANA🤣🙏

[@soko-yetu]

Something caught my attention when he said that the company realized they were losing many customers who have no papers. The target I realized is to get them on board. Just listen to him carefully before jumping and clapping.

[@Jar6798hin]

That’s quite a 🚩. Who are their beneficiaries?

[@susanwaweru2734]

You are making an assumption that withdrawal from 401k will be at 100% at retirement

[@carolwanjirakinyua7967]

Good to see Stephen here ,keep going brother .

[@njokikaranja4264]

This information is really good for us who are in diaspora. Ba the way I am from Lanet too hapo Kiamunyeki by AIC. Thanks JD and your guests. Not sure why there are negative comments and this information is so right and my regret is only that I wish I knew this information when I started my first job but Im thankful I started 5 years ago and I have been seeing my money grow. Keep bringing this guests because the information is very educative and some of us needs to be challenged and motivated. God bless

[@f.m.2876]

It's never late, the right time was years ago, the next best time is now.

[@bradleymbewa6717]

Stevo So happy to see you my brother

[@Giithiomi]

This is not easy to sell. I do understand where he is coming from, but Kenyans hatujafika hapa

[@mercyk2672]

What do you mean? Please read my response in the comments section. Even if you don't use his company, get the product he's describing. Also investing is very easy to understand if you take the time to read information on personal finance

[@shiko711]

It's not a matter haujafika hapa,listen to him very carefully, get the lowest product you can. Understand the product 1st ....before I was ignorant about it not anymore.

[@MamaAK12]

As a life agent in the US, I agree with Stephen. Indeed, it's best to consider your needs and get a suitable product. That is where the Financial needs analysis comes in. Term or temporary insurance can be used for things such as mortgage redemption/mortgage protection and other needs during your productive years like, school or college fees ( where applicable). Downside is, like he said, the benefit is fixed, it's open to marker risks such as inflation that would erode the value if and when paid out. Indexed strategy is the fund being linked to some indices such as S&P. The money is not directly invested in stocks but the return offered by the insurer is linked to an index. Ultimately, it's wise to diversify your money basket.

[@jackiewambui4906]

Amazing discussion here

[@marymungai6953]

What about the fees and commissions associated with IUL?.

[@jacquelinenyanga8137]

Great Job brother . Kudos

[@Jar6798hin]

Be very cautious with life insurance investments in US, especially for the young and healthy. Got to ask, who’s the beneficiary for your policy? And is your policy sold to travelers who invest in life insurances? He hasn’t lived in US for long to also understand life insurances at times used as a get rich quick investment. Educate yourself on life insurance murder cases the ones that don’t involve family members.

[@gidesbalunguza7152]

What are the risks of that index your saying, we what to know side negative effects because we know every company has an intention of making profit. And how do they make profit

[@eunisonc7494]

Twaririe na gikuyu please

[@alicegachoka9147]

Thanks for the talk about finances.

[@mercyk2672]

What happens when you leave the country? How do you collect your benefits?

[@marymutegi4899]

Great Job Njoroge.

[@alicewaithaka3496]

Am in National life insurance is it the same, am now confuse and I do contribute every month,

[@mercykariithi7919]

Ebu tupatia connection za agent ulitumia kupenda us please where are based in Kenya?

[@zeinabfaris5663]

O’grady peyton, avant etc

[@dianahnattabi9472]

Am Ugandan here wanted to hear this Story but the Swahili has failed me😢😢.

[@susannjenga8996]

If I need my money when it’s locked can I have access to it

[@liankim987]

Wonders never end

[@Future88746]

Why you say so?

[@JAYCLKLLC]

Life insurance is just that... Go do your investments somewhere else.. Roth, 401k, bonds, stocks..... Not with insurance companies

[@tigayiridankan4223]

THANK YOU... TOO MUCH!!!!

[@mukakachizumira-qf7by]

please sometimes focus more in English if possible sir. actually you always bring in good visitors but the challenge to some of us is kiswahili

[@emojongtv3995]

Wakikuyu si wamejaa USA

[@susanwaweru2734]

Tax rate is dependent on income

[@EdnahChirchir]

Great information

[@VioletNjue-yl9dd]

What age don't qualify?.

[@maingijohn1127]

good job jeremy

[@MarthaNjoki-f3f]

I love the show

[@loisewanjiku3974]

Kumbe ni wa kwetu

[@janemumbikimani]

When i hear any human,mentioning my brother millions times then we talk of selling products. In short ,he is selling insurance covers to targeted customers and when the deal is toooo goooood think twice before signing in.

[@lucywanjiru1427]

How can I get contacts of legit agents?

[@estherwambua1764]

@lucy if asking about agencies ni mingi,theres avant,medpro,ogp,sheer water na kadhalika

[@lucywanjiru1427]

Asante sana.

[@makindu1234]

Insurance is a risk mitigation instrument, nor an investment one. This is either snake oil salesmanship or one is really ill informed about finances such as to expect returns from insurance premiums.

[@mvuliinsurance2977]

How do you become an insurance agent in the us

[@swahito206]

are you in USA? I can help

[@mvuliinsurance2977]

@swahito206 I will look for you " When I get there "

[@riftvalleycarriersllc7477]

See me for that , I will guide you exactly how to become one . Which state do you live

[@AgnesNdara]

It very risky, how sure do i know where he will be by the time , i will be getting 65, woi i don't trust you

[@carolwanjirakinyua7967]

You don't deal with an individual who helped u get the policy, you deal with a company. Agent kazi yake ni kuku uzia policy tu.

[@janekeruboonchonga2008]

Hi kitu ata Jeremy Ijamungia vizuri

[@onlybygodgrace1175]

When i took my policy i did not understand anything but took but today I'm glad i did have been educating myself and continue to do so

[@markgmunene9003]

My brother😂

[@Future88746]

Why are you laughing 😂 do you know anything we don't?

[@rubyruby4368]

Please ongeeni Kikuyu

[@kikiandnana2126]

😂😂😂😂

[@uncomplicatedmindset8711]

Deal too good,check for reviews on the same before jumping in.

[@namukwayacissy8546]

But are u guys target kenyans only or yo international? Why the too much swahili yet most of us are swahili free😂

[@PurityWangui-us1gb]

Please l need a job there

[@kikiandnana2126]

Eti ongeeni kikiyu real😮😮 😂😂

[@kamanjamwenjerwa7032]

HI YOTE NI UPUZI UKAI TWEDIE MAKARA NA WHOLESALE 😂

[@Future88746]

Why do you think so?

[@kamanjamwenjerwa7032]

@@Future88746 I'm believe in getting it yourself and get it in plenty. That's the only option

[@rahabmaina3240]

Nkama ntakujoin juu kutoka kenya nikama imeshidikana kwangu