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VGT/SCHD SCHG/SCHD JEPQ/SCHD any of these 2 combos will make you extremely wealthy!

Excellent presentation. Thanks

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

No real plan just a "concept of a plan".

Trump's plan is to pilage and plunder all the money he can from the United States and it's Citizens. He cares about no one.

You gave the expense ratio for QQQM

VOO and FTEC 😅😊

No bonds please 😮

I liked the previous narrator better. Just some feedback. Thanks for the video.

Thanks for the breakdown! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?

Great information! Thanks

This video sucked

I doubt that the income tax on social security is going back into the social security pot. It's probably being laundered through foreign countries.

How does not paying income tax on SSI income, which goes into the general treasury, impact the finances of the SS fund? I have yet to see the connection of not paying taxes on SSI income and the SS trust fund going bankrupt sooner.

Tax is theft by government from the free market economy. The free market is a much better use of our money than any government program. When government not only wastes our money to buy votes to stay in power, but they commit funds that we don't have, debt, to the tune of $36 Trillion thus far. Any time we can reduce the amount of money going to government, we should do it. Secondly, we pay into Social Security in the form of FICA TAX. A tax is withheld from our labor for 40 years and then they tax us again when we receive the benefit that we already paid for. This is double taxation on top of income taxes, property taxes, sales tax, and capitol gains taxes. Social Security is the very definition of a Ponzi scheme, which are illegal unless it's a government program.

Thank you cheers 🍻 mate regards from stewy Hudson and Family Birmingham city England 🍻 🇬🇧 👍 👌 🙌 😀 🍻 🇬🇧 👍

100% Lies … the companies DONOT PAY THE TAXES … WE THE PEOPLE WILL BE PAYING THE 🍊 TAXES!

I believe I can reach the 10 percentile, i know im capable of more but i can envision it with current circumstances 😅

As far as I know, financial advisors don’t know or don’t want to provide tax advices. Unless he or she is 100% fee only fiduciary, financial advisor is rewarded by moving the money from your pocket to his or hers. 😂😂

Thank you.

My target retirement fund in my 401(k) had poor returns compared to the S&P 500. I switched everything to the S&P 500, but I regret not doing it earlier. What are the best options for investing $200k for reliable cash flow?

The encouraging thing is that statistically speaking, most people will be in the top 10% of earners at one point or another in their life. Either through decades of hard work finally being noticed, or sale of an asset, or inheritance, the lottery, winning a law suit, the vast majority of people will have at least 1 year of their life where they are in the top 10% of earners. The other good news is that you never need to come close to being in the top 10% of earners to be in the top 10% of net worth. I mean, if you go buy a house and pay it off in 30 years while avoiding other debts, then there is a pretty good chance you will be in the top 10% of net worth individuals. 1.2M is a lot of money when sitting in a bank account, but when diversified across your home, cars, furnature, and a modest retirement savings, it isn't as much as you would imagine it to be. The down side is that there is a reason why most people will be in the top 10%... For the vast majority of people it doesn't last very long, so there is a lot of churn and turnover in that top 10%. As an example, consider a plumber making a career out of their profession. It's not the hardest job on earth, and when you have the experience, and specialize, and start to manage people under you, it is easy to imagine that you would be making $150k/yr even here in the Midwest. But it's likely going to be right before retirement, not when you are in your 20s and starting out. And that is the case for most careers, the income is steady, but the climb is slow and the last few years of work are often where you take home the largest paycheck. On the fast money side of things, a lot of performers make most of their money in just a few short years before falling out of favor. A lot of C-Suite executives only last 5-10 years before something happens out of their control and they are replaced, or they burn out and step down. Extremely few people make the big bucks for a decade or more, which is why the top 5% scales with the tip 10% so well, but the top 1%+ numbers are exponential, because those are the few who maintain a high income for an extended amount of time! The bad news on the net worth side is also that it tends not to last long. Out here in the Midwest if you are debt free, own your home, and have a modest $350-500k retirement, then you are at that top 10% pretty easily. But you are retiring, and transitioning from earning and saving, or spending, so that net worth will go down over time as you age and use it. So hopefully you get there at retirement, but a few short years later your assets will drop, or the moving target of what it takes to be in the top 10% will keep rising. For fast money like selling a business, or getting lotto winnings or inheritance, there is study after study that shows that most people blow that money within 5 years. Big trips, expensive services, new hobbies... Humans think of money in chunks, so when we get a lot in 1 big chunk, we think of it as a unit to spend in 1 big chunk... Or rather, we think of it as a big chunk to spend even if we break it up into smaller chunks. Contrast that to those who build wealth slowly, and horde it and never spend it because it represents lots of sacrifices over decades, so you want it to last and have it pay you back over decades. So yeah, all that to say, expect to be in the top 10% at some point in your life. For earnings or net worth, you likely won't be in the top 10% for 5+ years, so have some humility and use those good times to your advantage and don't waste them. But don't get down on yourself in your 20s or 30s thinking that you are a total failure because you aren't in the top 10% yet. Life is long, and a lot happens, your time will come, so just put yourself in the best situation you can to take advantage of it when it happens.

I hate when they use 7% cause it’s usually 3-5

I believe all this 100k meaning 100k in stocks that is already purchased there. Not your cash or other assets. You can have a 100k car, but that doesnt mean you are rich or about to have an $$ explosion. Only explosion is your wallet. Also... I see people with 100k stocks invested and yet doesnt see this $$$ explosion either.

80% rule is wrong...Its all about expences!

I have retired early but I would say you absolutely must have enough money first. I have seen several people retire without sufficient money. It really is not much fun. Everyone wants to retire early they are not mistaken ensuring they thay have enough money first.

Nope, im past that and no different.

First 🎉yep it's true 100,000 is hard but it's 1/10th of the way to 1 million cheers mate regards from stewy Hudson and Family Birmingham city England 🇬🇧 👍 😀 💙 😉 👌 🇬🇧 👍

Terrific video. Thank you

I'm going to cut back on my Disney+, OnlyFans and Fubo subscriptions to save in 2025.

your animation style is very boring

Great information and inspiration. Thank you!

I'm on the way! Less than 5 years is my target! 🎉

Its my money and im spending it now......😂

Retirement is becoming increasingly challenging for many people. Low wages, inflation, and high rent costs make it difficult to save, and now, even middle-class Americans are struggling to buy homes-leaving them with fewer retirement options.

1.VOO 2.SCHG 3.FTEC...in my 3 fund😊😮😂

Its about expenses, not income.

What I found helpful was estimating retirement expenses rather than pre-retirement income. I was saving far more than I needed to live at the end of my career. I found I can live on about 50% of what I was needing before as I had been able to pay off my car and mortgage.

Everyone seem to forget ! Social Security is a not a handout ! It’s our money taxed during our working years and will continue with younger generations and so forth! There are so many ways to keep it going! Increase cap is one of them ! Increase from 6.2 to 8.2 both employee and employer!

I could see raising the cap on incomes contributing. Of tightening disability requirements.

A big flaw in this model is the reliance on Social Security. Certain politicians are trying to shut down Social Security so relying on it will leave you under funded for retirement. Use the model these guys suggest but don't include social security in your model.

What other people have has no relevance. All it does is help justify having too little, which is not OK. What you need depends on your planned retirement ifestyle and part of thus is determined by your current spending behaviours. I have saved 700k in less than 15 years, and in the next 4 years, I hope to hit 1000k, although I may instead take early retirement.

Retired at 54 now 64 worth more now. Good luck

Retirement isn't an end goal, but a journey best secured by careful and consistent investments.

Some people have been doing this for years. Check out minimalism.

Catch up contributions don't matter much unless you are putting in massive amounts of money... the power of compounding doesn't have much time to take effect.

I feel that consistently investing each month, ppl will be fine👍🏿💵

Thank you.

Catch-up contribution wording is BS. Who can benefit from starting and maxing at 50? Waited until 50 for retirement because of catch-up saying? Very few maybe able to do so but most can not and on top of that is question where do they throw his/her money to what investment. Low cost investment? You are 50 and now throwing 30k into investment per year to where? With IRA, it's now 37.5k per year. If your house hold make 150k, just cut earning to 112.5k. Your significant other work too to get 150k? 37.5k x2 is 75k. Halve of earning goes to investment starting at 50. Catch-up contribution sounds like I can take care of my retirement at 50 but it's too late.

$537K in late 50s? I'd feel worried, especially if I won't get much in social security and have no pension. However, if it's possible to work until late 60s or 70 it should be fine.