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Real Talk W/ T-Higgs
United States
เข้าร่วมเมื่อ 6 ส.ค. 2021
Personal Finance strategies that actually work!
I was able to achieve millionaire status through real estate while continuing to work my 9 to 5 job. I want to help you achieve the same results. As a former Submarine Officer in the Navy and current Reactor Operator at a Commercial Nuclear Power plant, I try to give a realistic and honest prospective on building wealth through real estate and the stock market. I detail my greatest successes and failures on my journey and give actionable advice to help you on your financial journey. #personalfinance #realestate #wealthbuilding #longterminvesting
I was able to achieve millionaire status through real estate while continuing to work my 9 to 5 job. I want to help you achieve the same results. As a former Submarine Officer in the Navy and current Reactor Operator at a Commercial Nuclear Power plant, I try to give a realistic and honest prospective on building wealth through real estate and the stock market. I detail my greatest successes and failures on my journey and give actionable advice to help you on your financial journey. #personalfinance #realestate #wealthbuilding #longterminvesting
Are We Headed For A Market Collapse?
In this video, I explain how the Treasury yield curves work and why it’s often seen as a warning sign for a potential recession. I break down what an inverted yield curve means, how it impacts the economy, and what it could mean for your finances. I’ll also share my thoughts on why Warren Buffet is holding $325 billion in cash and how to prepare for a potential recession. Join me to learn what the data is saying and what steps you can take!
⏲️Time Codes:
0:00 Intro
1:28 Treasury Yield Curves explained
2:33 No Recession In Sight?
3:42 Warren and a Mountain of Cash
5:34 What do the experts think?
6:52 My 2025 market forecast
8:34 Getting Ready for What is Coming
10:39 Wrap Up
🔗 Links:
🛍️ Talk Higgins Merch:
talk-higgins-merch.company.site/
📧 Join my Email Newsletter for Free Insights directly to your Inbox: talkhiggins.ck.page/c530cca832
💵 Start your Airbnb journey using my link for free listing review and receive $40: www.airbnb.com/r/terrellh1006?s=6&t=061n1v
🌯Buy Me Chipotle talkhiggins.ck.page/products/buy-me-chipotle
For business inquires please email at talkhiggins@gmail.com
📌Disclaimer:
I am not a CPA, attorney, lender, or financial advisor. The content in these videos should not be construed as tax, legal, or financial advice...etc, and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a TH-cam video for entertainment purposes ONLY. IF stocks or companies are mentioned, Terrell may have an ownership interest in them - Please do not make buying or selling decisions based on Terrell’s videos. If you need advice, please contact a qualified professional.
⏲️Time Codes:
0:00 Intro
1:28 Treasury Yield Curves explained
2:33 No Recession In Sight?
3:42 Warren and a Mountain of Cash
5:34 What do the experts think?
6:52 My 2025 market forecast
8:34 Getting Ready for What is Coming
10:39 Wrap Up
🔗 Links:
🛍️ Talk Higgins Merch:
talk-higgins-merch.company.site/
📧 Join my Email Newsletter for Free Insights directly to your Inbox: talkhiggins.ck.page/c530cca832
💵 Start your Airbnb journey using my link for free listing review and receive $40: www.airbnb.com/r/terrellh1006?s=6&t=061n1v
🌯Buy Me Chipotle talkhiggins.ck.page/products/buy-me-chipotle
For business inquires please email at talkhiggins@gmail.com
📌Disclaimer:
I am not a CPA, attorney, lender, or financial advisor. The content in these videos should not be construed as tax, legal, or financial advice...etc, and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a TH-cam video for entertainment purposes ONLY. IF stocks or companies are mentioned, Terrell may have an ownership interest in them - Please do not make buying or selling decisions based on Terrell’s videos. If you need advice, please contact a qualified professional.
มุมมอง: 142
วีดีโอ
Chase Your Dreams: Life Lessons after 1 year on Youtube
มุมมอง 101วันที่ผ่านมา
In this video, I share the biggest life lessons I’ve learned from creating content on TH-cam for one year. From finding my why and dealing with self-doubt to connecting with an amazing community. I’ll break down how this journey has challenged me and helped me grow. Whether you’re thinking about starting a channel or tackling another big goal in your life, join me to hear my insights and maybe ...
8 Things I Quit Doing To Improve My Life
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In this video, I share 8 things I quit doing that made my life simpler and better. I’ll walk you through the changes that helped me find more peace, focus, and happiness. These small but powerful shifts can make a big difference in how you live your day-to-day life. Join me to see if any of these could work for you too! ⏲️Time Codes: 0:00 Intro 0:56 Caring What People Think 2:17 Waiting For Som...
Get Your Retirement Savings Before Age 59.5 Penalty FREE!
มุมมอง 51921 วันที่ผ่านมา
In this video, I explain how you can retire early using the Rule of 55 and 72(t). I break down how the Rule of 55 lets you access your 401(k) penalty-free after leaving a job at age 55, and how 72(t) allows early withdrawals from retirement accounts with a few conditions. I’ll share the pros, cons, and strategies to make the most of these tools so you can take control of your financial future a...
Go from $0 to $100k+ in 2025 with These Simple Strategies!
มุมมอง 749หลายเดือนก่อน
In this video, I share exactly how to save $100K in just one year. I break down strategies for cutting expenses, increasing income, and staying focused on big financial goals. Join me to learn how to take control of your finances and hit that $100K milestone! ⏲️Time Codes: 0:00 Intro 1:06 It won't be easy 2:53 Special Set of Skills 4:30 Cost Cutting is Never Glamorous 6:50 Investing is Essentia...
Make Your Money Work For You! Stock Market Trading Full Guide + Live Example
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In this video, I break down stock market investing for beginners in a simple, easy-to-understand way. I cover the basics of how the stock market works, the difference between stocks and funds, and how to start investing with confidence. I’ll also share tips on avoiding common mistakes and building a long-term investment strategy. Join me to learn how to make your money work for you and grow you...
I made a Fortune during the Trump Presidency and You can Too!
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In this weeks video I break down all the different economic policies that Trump proposed and how you can take advantage of them to build life changing wealth. From broad market trends to Elon Musk's role during Trumps second term, I provide analysis on the best way to position your money to capitalize on Trumps presidency. ⏲️Time Codes: 0:00 Intro 1:07 Setting Expectations 1:53 Tax Cuts, Tax Cu...
Why the Rich Own Nothing! A Complete Explanation of Trusts
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In this video, I break down how trusts can help you protect your assets and grow your wealth. I explain the different types of trusts, how they work, and why they’re powerful tools for securing your financial future. From shielding your assets from creditors to reducing taxes and ensuring smooth wealth transfer, I show you how trusts can be a game-changer for your financial strategy. Join me to...
The Only Way to Stop Being Broke
มุมมอง 679หลายเดือนก่อน
In this video, I share practical tips to help you take control of your spending and stop letting money slip through your fingers. I break down the habits and mindsets that lead to overspending and show you simple ways to start making progress. Join me as I walk you through strategies that worked for me and can help you take charge of your finances starting today! ⏲️Time Codes: 0:00 Intro 1:05 T...
10 Financial Tips to Maximize Your Military Benefits
มุมมอง 5562 หลายเดือนก่อน
In this video, I show you how to get the most out of your military benefits. From education and housing to healthcare and retirement, I break down each benefit and explain how you can make the most of them. Whether you're active duty, a veteran, or a family member, these tips will help you unlock all the resources available to you. Join me to make sure you’re not leaving any benefits on the tab...
STOP Letting These 5 Wealth Killers DESTROY Your Finances!
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In this video, I share the top 5 wealth killers that can quietly drain your money and keep you from building real wealth. From high-interest debt to lifestyle inflation, I break down how each of these can sabotage your financial success. I'll give you tips on how to spot and avoid these traps so you can stay on the path to financial freedom. Join me to protect your wealth and make smarter money...
The Shocking FINANCES of Average Americans!
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In this video, I dive into some surprising financial stats about the average American that you need to know. I’ll explain what these stats mean for you and share some tips to help you avoid common financial traps. Join me to get a real look at the state of finances in America-you might be shocked by what you find! ⏲️Time Codes: 0:00 Intro 0:41 Savings Habits 3:16 Paycheck to Paycheck 4:49 What ...
I Spent 24+ Years Figuring Out What I'll Teach You in 7 Minutes!
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Someone out there needs to hear this. It could be exactly what you're going through right now...I hope this helps. #selfimprovement 🔗 Links: 🛍️ Talk Higgins Merch: talk-higgins-merch.company.site/ 📧 Join my Email Newsletter for Free Insights directly to your Inbox: talkhiggins.ck.page/c530cca832 💵 Start your Airbnb journey using my link for free listing review and receive $40: www.airbnb.com/r/...
5 Passive Income Streams That Can Replace Your Job
มุมมอง 3103 หลายเดือนก่อน
In this video, I share five passive income streams that could help you replace your job and gain financial freedom. From real estate investments to dividend stocks, I break down how each one works and what you can expect from each one. I'll also share my own experiences with passive income and give you tips to make these streams work for you. Join me to learn how you can start earning money whi...
Fed Rate Cuts EXPOSED What Happens to Home Affordability
มุมมอง 2023 หลายเดือนก่อน
Fed Rate Cuts EXPOSED What Happens to Home Affordability
Texas Agricultural Exemptions Make Land An Amazing Investment
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Texas Agricultural Exemptions Make Land An Amazing Investment
Why Does Your Networth Skyrocket After 100k?
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Why Does Your Networth Skyrocket After 100k?
10 Lessons I Learned from Day Trading (So You Don’t Have to Learn the Hard Way)
มุมมอง 1634 หลายเดือนก่อน
10 Lessons I Learned from Day Trading (So You Don’t Have to Learn the Hard Way)
Walls Street's Unfair Advantages: Institutional vs Retail Investors
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Walls Street's Unfair Advantages: Institutional vs Retail Investors
Why does Robert Kiyosaki have $1.2 Billion of Debt?
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Why does Robert Kiyosaki have $1.2 Billion of Debt?
Buy Borrow Die Tax Strategy: How the Rich Pay No Income Taxes
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Buy Borrow Die Tax Strategy: How the Rich Pay No Income Taxes
5 ways to access your Home's Value without selling: Should you do it?
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5 ways to access your Home's Value without selling: Should you do it?
Buy or Rent (What They Don't Tell You)
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Buy or Rent (What They Don't Tell You)
What is a 1033 Exchange? Can a Disaster or Eminent Domain actually help your Real Estate Portfolio
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What is a 1033 Exchange? Can a Disaster or Eminent Domain actually help your Real Estate Portfolio
What is Accredited Investor Status: The Investments No One Talks
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What is Accredited Investor Status: The Investments No One Talks
Life Lessons from 6yrs as a Submarine Officer
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Life Lessons from 6yrs as a Submarine Officer
Stop Wasting Money: Free Alternatives to Expensive Things 💰 #savemoney #budget
มุมมอง 3297 หลายเดือนก่อน
Stop Wasting Money: Free Alternatives to Expensive Things 💰 #savemoney #budget
Also when all experts agree, expect a different outcome
Yeah if everyone agrees they generally are trying to position for the opposite bet.
Hey T, I believe it’s less about the yield curve inverting and more about when it uninverts
Interestingly enough the disinversion has not been studied as closely as the inversion. The reason I saw was because it is a lagging indicator after the Fed has already taken action, but the initial inversion is a leading indicator. I completely agree that it is better to know closer to the actual recession than over 2yrs out. I also thought it was interesting that no one is talking about the disinversion. It is the story the main stream media doesn't want to tell.
Time in the market, always beats timing the market. Stay calm and consistent! Thanks for watching. 💪🏾
Great video…. Well done and subscribed…. I’m interested.
Thanks for watching!
Awesome video! Great insights man!
Thanks for watching!
Great video! The things you've quit to improve your life are truly inspiring. For your next video, how about sharing more life improvement tips? That would be fantastic to watch!
Thanks! You will probably like the video I have coming out tomorrow. I discuss how my first year on TH-cam has changed my life.
Hold fast to dreams For if dreams die Life is a broken-winged bird That cannot fly. Hold fast to dreams For when dreams go Life is a barren field Frozen with snow. - Langston Hughes Go chase your dreams and live the life you always dreamed, I am rooting for you. Thanks for watching! 💪🏽
Thank you bro for the advice, I have some struggle with myself and after seeing this video I realized what's make me struggle, keep going bro I love this content 🔥🔥, sorry for the bad grammar English is not my first league
Happy to help!
I hope this video helped you and if it did please like, subscribe, and share the message with someone else. Thanks for watching!
I just met a US Navy Submariner and after speaking with him I have no idea how anyone could a job that fuckin stressful. I lost some hair on my head just listening to this guy. I would freak out not knowing if my enemy actually knew where I was. You guys are brave, and your job is so important for the national security of the United States. God Bless you guys.
@Q60-Ninja Yeah, you need to be built differently to serve on a submarine. Some of the toughest and most brilliant people you will ever meet.
Hey T one thing to add. Rule of 55 can be used in the year you turn 55. You don’t have to actually be 55.
Yes, that's correct. I could have explained that more clearly. I focused more on the 72(t) section because it seemed less straightforward.
@ I’m working tomorrow night, so we can talk if you want.
Feeling stuck counting down the years until retirement? You have options to retire early and start enjoying life sooner. Thanks for watching!
What if you in your 20s , I got 2 internships and I have to prioritise university next year
You have the most powerful asset on your side "Time". Keep building those skills, and invest whatever you can into a Roth IRA. Just putting $100 away a month into a simple S&P 500 index funds will make you a millionaire by 65. Enjoy college and once you finish school you can really hit the gas pedal on your finances.
Great video brother. Appreciate your work. Lebron’s not the greatest player of all time though. He’s the most inorganic, manufactured, corporately owned sports athlete of the last 25 years along with Cristiano Ronaldo & Roman Reigns. They’re 3 of a kind. But, outside of that, great video 💯
If he is in your top 5, we can agree to disagree. But the longevity, consistency, and the 3-1 comeback against that 73-9 Warriors team made him the G.O.A.T. for me.🐐
@@talkhiggins He’s around #9 - #10 on my list. In my opinion, you can make an argument that Magic, Bird, Kareem, MJ, Wilt, Shaq, Bill Russell, Hakeem, & Tim Duncan all at least had higher peaks than him if not comparable or better careers in terms of their impacts on their teams winning than Lebron. And even though I’d still rank him as individually greater than these guys, you could argue that Kobe, Pistons Isiah Thomas, & the Dr. J/Moses Sixers could all beat Lebron in the finals. I mean he lost to Dirk when he had the far superior team with D-Wade & Chris Bosh. So he’s barely in my top 10. So we’ll have to respectfully disagree. But, again, great channel 💯
@chriscj71 Barely top 10 is a wild take. There are only two players ever with 4 NBA MVPs and 4 Finals MVPs. He is the all time leading scorer, 4th in Assist, 9th in Steals and 10th in Defensive Rebounds. And most all time playoff wins, points and games. The man is 40yrs old and still a top 20 player in the league. No one is gonna come anywhere close to touching this longevity and consistency. The body of work is there to be at least top 5.
@@talkhiggins I respect your take, but stand by my statement. The main thing that matters to me is how your contributions to your team contribute to winning over a career span. Individual accolades are icing on that cake. Lebron flamed out & underwhelmed too many times to be considered greater than the guys I put above him in my opinion. By 2018, we’d already seen the best of him. I was saying then that Bird was still better & that the only thing Bron is better than Bird at is athleticism & at one point (2008-2013) defense. He’s in my top 10 at the moment, but barely. The only guys he can argue having a greater peak than in the top 10 are Shaq & Wilt and even Shaq did something Lebron couldn’t do, which is lead a team to a 3peat. And if it ever publicly comes out that he was on PEDs (which there is high suspicion) then he drop even further on my list
This peak argument is a strange argument. He went to 8 consecutive NBA finals the list of people to do that are the 60's Celtics and Lebron. He beat a team with the best regular season record ever. And there are only five players with 4 or more NBA MVPs Kareem, Jordan, Russell, Chamberlain and Lebron. That seems like a pretty high peak to me. 🤷🏿♂️
Make 2025 the year you take charge of your finances. I am rooting for you! 💪🏽Thanks for watching!
Thank you for making this ✊🏿💯
Thanks for watching!
I’m using trading 212 and chose S&P 500 and Nasdaq $200 each so $400 a month is that good ?
@@ArdxnFX That is great. Now you just have to be patient ignore the news and wait, which is the hardest step TBH.
@ yeah imma delete the app and just let the automatic payments do their job
This was very helpful
Great video and awesome explanation!👍🏾
Thanks for walking us through how to automate investments in Fidelity!
Glad it was helpful!
Terrell I feel like I was the inspiration for this video in particular because of all my questions. This was so super useful! I hear and I’ll obey!!!🤑
I did an honest assessment of my content and realized I didn't really have any beginner friendly content. There are way more people out there who need help getting started than folks who need advice on portfolio optimization and advanced tax strategies.
Hopefully I have inspired you to go, take charge of your financial future. Thanks for watching!
Thank you, and respect to you !
Bro, your content is so cool. You are so awesome. I can tell you you’re gonna go viral.
I appreciate that!💯
Hello Real talk W / T-HIggs. I am watching your videos. I like your videos very much. Your video quality is also good and your thumbnail quality is also good. But I am analyzing your videos and I can see that you do not have any SEO friendly title. There are no keywords in your description and Your video tag is not SEO friendly.. You put a lot of effort into making videos. You want your videos to have many views and many subscribers. If you want these, you have to solve these problems.
I am not interested
These scammers have a template in making videos now 😂
No scams here. Just legitimate financial analysis and information.
Another great video T👍🏾
@driftergord Thanks! Hopefully, the TH-cam algorithm gives the video a fair chance, but it seems like they are throttling the impressions way back because I talk about Trump...🤷🏿♂️ It is what it is, I guess.
@@talkhiggins there's always a science to it. TH-cam has gotten somewhat questionable in the ways they bring views . But with good content the views will come. It's a good idea to up the short form content with the reels. Those are big in steering the algorithm these days .
One of the best, most concise and clear channels on these topics I’ve seen on TH-cam. I love the way you explain things and I’m binge watching all your videos right now. Big fan, keep it up Terrell!
@@davidchen8987 Thank you, I really appreciate that! 💯
@Deborah-y9l I deleted your comment you never want to share your seed phrase. I can't tell you any better than a simple Google search can. I don't mess with OKX or any crypto directly. www.zeusbtc.com/blog/details/5553-tutorial-on-transferring-usdt-from-okx-wallet-to-binance#:~:text=Withdraw%20from%20the%20OKX%20wallet&text=We%20will%20see%20the%20asset%20options%20and%20click%20USDT.&text=Then%20it%20will%20appear%20asking,the%20address%20copied%20from%20Binance.
Good info Terrel! We can't change the results of the election, but we can make the most of the current situation!
It is important to remember that while we may not be able to change the outcome of an election, we can still take steps to ensure that it works in our favor. By educating ourselves and making informed decisions, we can create an abundant financial future. Thank you for watching!
Lmao, right. The rich own nothing… Your quest for view domination is stretching….
"How to remove assets from your estate with irrevocable trusts to avoid lawsuits and save millions in taxes"... just rolls off the tongue.😂
Thank you for sharing your knowledge with us. I enjoyed, and learned a lot from this one video. Keep up the great work!
Great information thank you.🎉
My pleasure. Thank you for watching!
Trust can be a very complicated topic and are often the last thing people consider on their financial journey. Hopefully this video clarified Trust for you. Thanks for watching!
I used to be the person that would spend 20 bucks here and there ALL the time and it really added up. Now when I save it instead, I feel a bigger reward from it. Spending was by dopamine hit and then I switched imagining the savings to be my dopamine hit instead. Thanks for the motivation!
@@krystiesolfyre5340 You're welcome! Happy to help.
Made me think for sure! I will think about these 27 dollars (well, 27 zl in my case). Thanks!
I’ve watched so many of these videos on the buy, borrow, die strategy and your video has been the most clear and thorough video I clicked on. Thank you.
What is your biggest spending temptation this holiday season?
Fishing lures😂
@williscoleman3356 Good things come to those who bait 🤣.
Hello T-Higgs ! Love what you are doing here my brother. I am also an African American Bubblehead Vet. I served 6-Years on a fastboat out of Groton (SSN-705, USS City of Corpus Christi) back in the 1980's. I am way behind in maximizing my benefits so thanks for the guidance. I waited way to long to benefit from these. Thanks for all your Help getting me back on track !!
@cshort1302 You are most welcome! I wish you all the best, my friend! 🙏🏾
This was awesome! Thank you💯🙏🇺🇸💪🏾
Glad you enjoyed it. Thanks for watching!
Hi there! I’ve just watched a few of your videos, and I’m really impressed with your content. However, after analyzing your channel, I noticed that your videos aren’t getting the attention they deserve. This is likely due to some SEO issues such as video tags, titles, and descriptions. As a TH-cam SEO expert, I’d love to help you fix this and grow your audience. I can provide you with a free channel report that highlights key areas for improvement and how you can optimize them. If you’re interested in seeing how we can get your channel more views and subscribers, let me know, and we can get started right away!
@@AL-AMINSHEIKHH not interested. Thanks for watching!
This video is dedicated to all my fellow veterans out there. I hope every one of you, gets the absolute best out of life. Thank you for your service!
I am Gen X. I live below my means. I have not lived check to check in over 21 years. I have reached Coast Fi but i won't stop saving until i reach my goal of $2.5 Milly.🎉🎉💪🏾💪🏾💪🏾💪🏾💪🏾💪🏾💪🏾
Wow, that's awesome! Reaching Coast FI is a huge milestone. You've definitely put in a lot of hard work and made some sacrifices to get here. Just make sure you're not going overboard and missing out on things that could make your life better right now. You never know what the future holds, so it's important to find a balance between saving for the future and enjoying the present. Congrats 🎉
@talkhiggins i am lucky. I like my job and I make enough that I can go on several vacations a year and invest over 25%. This year alone i went on 4 vacations and maxed out my Roth 401k and Roth IRA 😁😁😁
I wish I had known this before my loser marriage to the wrong person. Even though I didn’t have to pay alimony or anything, but just having to create a separate life from scratch. I had to start from ground zero after having invested so much for so long. Hind sight is 20/20!!!
@@millicentcrawford4674 Divorce is ranked as the second most stressful life event right behind death of a spouse. So going through that can be very tough. 247wallst.com/health-and-healthcare/2024/03/12/this-study-ranks-the-20-most-stressful-life-events-2/
Awesome video
@@Andrew-DEF Thanks for watching!
I was truly shocked by the statistics around divorce while I was researching this video. Let me know in the comments if this shocked you too. The 1% Better Everyday collection is available now in my merch store. talk-higgins-merch.company.site/ Thanks for watching and I will catch you next time!
Golden years. Pftttt Golden years are not 65+ c'mon now.
Damn, here are as someone born I the 80s that retired early. Now living a fantastic life in thailand.
@ThaiLifeChronicles I have always wanted to visit Thailand. Whenever the wifey has a bad day at work, I always joke that we could just sell everything and go live out the rest of our days in Thailand 🤣. Such a beautiful country, I definitely need to go at some point. Congrats! 👏🏾
As a Gen Z... I make about $25 an hour, I don't go out, don't drink, don't smoke, etc. Still living paycheck to paycheck because the cost of living is too high. I make more than I did 2 years ago, but my finances are worse I'm just lucky I'm a student. So my grant money is a source of income at this point. I have scholarships that fully cover my tuition, so I take out student loans when needed. I just think of it as a necessary investment for now, as I know I'll make more in the future. By the time I'll graduate I'll likely have 20k in debt simply from living expenses.
School's so expensive these days, it's almost impossible to get through without debt. I hope you at least enjoy your career after all that. 🤞🎓