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so what age range would you recommend retiring at?

Got a 2021 Prius at 0% from a dealer who only sells at MSRP, no mark up.

Good job with your comparison

I filed taxes for 2020 but I have not filed my 2021 taxes and I have to do it due to finincial aid reasons that they need the information for that year to add to my finincial aid. But taxes after 2021 I have filed ass well. But I wanted to ask is there a way you can check how many stimulus you have gotten and if not how many you can still qualify for up to now?

How did you find your investment property?

oh cool thanks for explaining, cash back is better

Its a bunch of bullshit

Does anyone have an experience of opting out CA SDI based on religious exemption?

Hello so i need help filling out 2021 1040 form for my stimulus check.also i did not work on 2020 or 2021.i have heard to just type 0,0,0 and then write down the amount of the stimulus check 🤔

Why do you start the video talking about adding a dependent if the video is supposed to be about receiving a forgotten stimulus check? I forget to cash my stimulus check. It expired. So now I want to amend my taxes so that I can get that stimulus money. However I don't know what to put on the form. I didn't make any money. I just put 1 dollar the year I filled and received the stimulus check. Do I put 1 dollar again.

I agree dont tell people your financial business!!!!

Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.

I paid up all my mortgages in 2yrs while working with a Financial Adviser. I’m 50 and my husband 54 we are both retired with over $3 million in net worth and no debts. We got to realize that the secret to financial freedom is making better investments.

Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.

I need help to sign up

Thank you so much! Going through this right now. You are correct about lenders increasing the loan balance.

Why would you say its not a good idea to roll the closing cost fees into the new loan? Im not going to stay in this loan for 30 years....I will probably refi at some point in next 10 years. I would be saving money no in the end no?

Refreshing video. Down to earth and real. This guy makes sense. I subscribed.

Really informative video watched it again and i am apliyng all the info in my daily routine

Bro, you spent 30 k on a car. I turned off your video youbarebnot frugal.

Good video and good advice. Yet, since you brought up that the mortgage company/bank did not send you a letter, all red flags and alarms went off in my head, so I wanted to give you these two cents. You should have received a small check ($50-$400) in the mail up to 90 days afterwards since the payoff balance never matches when they get your money and clear the account (and remaining escrow). That check comes with a letter, nice or not, that will inform the payoff. And, also spills some warnings to protect themselves, like they won't pay your escrow or home insurance because the escrow is closed and now is YOUR responsibility. Nonetheless, is uncanny that you did not get any letter with a check, small or large, very inlikely that the day the last payment cleared the money was perfectly matched. Since they were silent, here is my concern (as a retired attorney who heard many horror stories); The county tax office always had you are homeowner, even when the bank had the note, but, hidden from people and the website, there was a lien....Go to the county's tax office in person and ask if there is still a lien on the property. The bank needs to RELEASE the lien and the county needs to receive that. And, (back to horror stories), I had a few ask for my help because years down the road (always when a death occurs and we are all in Probate already) they find this out and the bank is out of business or changed addresses, names, closed and was absorbed/sold their wallet to another bank, etc. Just go and check...and get the gorgeous paper that reads NO LIENS OR ENCUMBRANCES...this is something you won't find in the website, at least not where I live (perhaps your county is awesome and provides it as a public document to read but is not likely).

Presently, mortgage rates have reached their highest point since the year 2000, spanning a period of 23 years. Considering inflation trends, there's a possibility that this figure might continue to escalate. To provide context, the 30-year fixed rate was only at 5% around this same time last year. Faced with this scenario, the question arises: should I continue waiting in anticipation of a potential housing market downturn before making a purchase, or is it more prudent to shift my attention towards the equity market?

Distinguishing between money management and the accumulation of wealth is crucial, and the educational gap in schools could be a factor contributing to people's challenges in sustaining financial prosperity. The instances you shared are pertinent, and personally, I found value in navigating the market crisis, as I have a tendency to embrace difficult situations rather than avoiding them, a sentiment shared in jest by my advisor.

I never got no check 's cause I never had no address at thu time i was living in the middle of the woods in my tint and i don't know how to get it or get them so

What if you didn’t claim your taxes?

👏👏👏🙂🙂🙂

So all your tips are great, but you should preface this with the fact that you rented it out and THAT is what paid your mortgage. YOU didn't pay it. So the money you put towards it was the extra. This is not really an option for people that only want a place to live. You did say that you 'made' about 7k a year on it. So even with expenses you had a big profit.

I just wanted to share my own experience. I used to use the HELOC method (2nd position HELOC) to pay off my $ 300,000 mortgage in 4.5 years. Yes, the HELOC method works. It is not a scam! Now, I have just bought a 2nd house, and currently I am in the process of converting it to the 1st position HELOC. HELOC is really a powerful financial tool to help pay off the mortgage much faster.

After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?

I agree most of what you said. All these advices are good for maybe 10years. For longer run it will exhaust you and your family. When you accumulated enough, it is better to relax the fugality a bit.

What if you single senior on SSI none filers how can I get some kind of help no children

I wonder what happened to him😢

Okay! So the refinance is for the remaining balance you have left to pay. So if you paid down your $325k loan to $300k - the refinance will be for the remaining $300k?

Can you do like this with no income for 2020 year?

Well stated- without discipline, there is no grace! Thank you for your insight

This is excellent it's just what I needed

Awesome ideas bro!! I agree with you. But my wife disagrees with my ideas..cheap is my middle name.😂… but we’re doing ok.

Wow properties in America must be pretty cheap compared to New Zealand. Can't get much under 500K here

Hi, when you add extra money to pay down your loan, does all the extra money goes to the principal?

I never received anything,and we are in 2023 i tried to file myself and then i never heard back so i decided to go where they do income tax i payed for them to do it and about 1week later the lady said that i need to go get my money because the irs wrote back saying that my application was already submitted yet that was oct 2021,and never ever received anything not even a ✉️ 💌 letter.

My boyfriend and I Also don’t give gifts for birthday. We do one swanky life experience like go to Carmel and stay in a room with a. Ice view.

I like you guys! So practical!!!

Wow. All good i am congratulating you. Y would morgage pple will congrat u. U made them loose so much interest money. Lol

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

Silly question. How do we get different quotes from 3 or 4 lenders without each one doing a hard credit check on you? Is there a way to just get different quotes from different lenders from going through the whole application process for each one?

100% agree with your strategy. My husband and I have been doing the same for several years. We paid one house off after 5 years (bought well below our means) and took that equity and built our dream home. We will have it paid off in 2025 for a total of 9 years making payments. We are excited about that. I just recently starting watching the velocity banking videos out there and my mind can’t make sense of it. You are still in debt people using this method! Spend below your means Keep your head down and don’t worry about what the Jones’ are doing. They will still be in debt up to their eyeballs and you get to retire at 55 if you want. That’s the life for us! God bless!

The bank didn't send you a letter, cause you juked them out of lotsss of money. They were pissed. 🤣 Great job, you did it. Very impressive.

I’ve earned one accident free with Geico. How much should this be considered as I compare?

So i should marry you wife...go it!

I loved it! No drama, open honest advice with mistakes included. Thanks for such educstion content.