Retire With Ryan Podcast
Retire With Ryan Podcast
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Do Small-Cap Stocks Offer Greater Growth Potential Than Large-Cap Stocks? #smallcapstocks
The S&P 500 is having another stellar year, yet small-cap stocks-representing the smallest publicly traded companies in the United States-haven't performed as well. While this might seem like a downside, it can also present unique opportunities for investors. In this episode, we’ll dive into the pros and cons of investing in small-cap stocks, the potential growth they offer, and how you can get started.
Website: www.retirewithryan.com/
Retirement Readiness Review Course: www.retirewithryan.com/ondemand
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มุมมอง: 99

วีดีโอ

Will the Outcome of the Presidential Election Impact the Stock Market? #election2024 #election
มุมมอง 77วันที่ผ่านมา
The 2024 election is just days away, and soon you'll have your final chance to cast your vote. With so much at stake, many are anxious about how the markets might respond based on who takes the White House. In this episode of Retire with Ryan, I’ll dive into what we could expect from a Trump or Harris presidency-and explain why, no matter the outcome, it shouldn't drastically change your invest...
7 Ways to Keep Your Estate from Landing in Probate #estateplanning #estatetax #probatecourt
มุมมอง 17714 วันที่ผ่านมา
In some states, probate is avoidable. However, in many states, you can avoid having your estate go through the probate process. I recently went through the probate process when my grandfather passed away and I helped my father settle his estate. It is far easier for your family to settle your estate once you’re gone if it doesn’t go through probate. So, in this episode, I’ll cover 7 things you ...
7 Steps To Protect Your Schwab Accounts From Hackers #hacker #hackerexposed #schwab #charlesschwab
มุมมอง 23321 วันที่ผ่านมา
Protecting your finances from hackers is more critical than ever. Cybercriminals are getting more sophisticated, accessing sensitive information like social security numbers and attempting to steal directly from financial accounts. I recently experienced this firsthand when someone impersonated one of my clients. The fraudster knew my client’s social security number and tried to withdraw funds ...
Can I Do a Roth Conversion Before Age 59 ½? #rothira #roth401k #rothconversion #retirementplanning
มุมมอง 23328 วันที่ผ่านมา
Age 59 ½ is the magic age at which you can start taking distributions from retirement accounts without a penalty. This listener is wondering if he can convert part of his IRA to a Roth IRA even though he’s not 59 ½. And if he goes ahead with the conversion, will it be subject to the 10% penalty? Listen to this episode to find out. Links: Website: www.retirewithryan.com/ Retirement Readiness Rev...
7 Year End Tax Moves for Pre-Retirees #taxstrategy #taxplanning #taxes2024 #taxes
มุมมอง 367หลายเดือนก่อน
7 Year End Tax Moves for Pre-Retirees #taxstrategy #taxplanning #taxes2024 #taxes
7 Year-End Tax Moves For Retirees #taxmoves #financialeducation #financialplanning
มุมมอง 134หลายเดือนก่อน
7 Year-End Tax Moves For Retirees #taxmoves #financialeducation #financialplanning
How To Get More Retirement Income Using Retirement Guardrails With Guest Matthew Jarvis
มุมมอง 81หลายเดือนก่อน
How To Get More Retirement Income Using Retirement Guardrails With Guest Matthew Jarvis
5 Steps To Determine Your Retirement Income #financialplanning #retirementplanning #letstalkmoney
มุมมอง 153หลายเดือนก่อน
5 Steps To Determine Your Retirement Income #financialplanning #retirementplanning #letstalkmoney
Will Social Security Become Tax-Free? #taxfree #socialsecurity #election2024 #policymaking #topics
มุมมอง 382 หลายเดือนก่อน
Will Social Security Become Tax-Free? #taxfree #socialsecurity #election2024 #policymaking #topics
How Parents Can Best Manage Student Loans with Erik Kroll #studentloans #parentplusloan #collegedebt
มุมมอง 242 หลายเดือนก่อน
How Parents Can Best Manage Student Loans with Erik Kroll #studentloans #parentplusloan #collegedebt
Breaking Down The IRS's New Finalized Regulations On IRA's #ira #inheritedira #inheritedincome
มุมมอง 722 หลายเดือนก่อน
Breaking Down The IRS's New Finalized Regulations On IRA's #ira #inheritedira #inheritedincome
New NAR Rules Governing Real Estate Sellers & Buyers w/ Raquel Fernandez #realestatemarket #realty
มุมมอง 1072 หลายเดือนก่อน
New NAR Rules Governing Real Estate Sellers & Buyers w/ Raquel Fernandez #realestatemarket #realty
How to use Schwab Index Funds to Build your Portfolio #charlesschwab #indexfundinvesting #portfolio
มุมมอง 5082 หลายเดือนก่อน
How to use Schwab Index Funds to Build your Portfolio #charlesschwab #indexfundinvesting #portfolio
Is your money safe with Charles Schwab? #charlesschwab #investmentfunds #schwab
มุมมอง 2833 หลายเดือนก่อน
Is your money safe with Charles Schwab? #charlesschwab #investmentfunds #schwab
How to access your Charles Schwab account online #schwab #charlesschwab #onlinebanking #investing
มุมมอง 1253 หลายเดือนก่อน
How to access your Charles Schwab account online #schwab #charlesschwab #onlinebanking #investing
Financial Steps To Take After A Divorce #divorcedmoms #divorcedlady #divorceprocess #freshstart
มุมมอง 1663 หลายเดือนก่อน
Financial Steps To Take After A Divorce #divorcedmoms #divorcedlady #divorceprocess #freshstart
Earn up to 10x more on your Schwab Cash (August 2024)
มุมมอง 6K3 หลายเดือนก่อน
Earn up to 10x more on your Schwab Cash (August 2024)
Financial Steps To Take During Divorce With Renée Bauer #divorceattorney #money #divorceresources
มุมมอง 1033 หลายเดือนก่อน
Financial Steps To Take During Divorce With Renée Bauer #divorceattorney #money #divorceresources
Financial Steps To Take Before Divorce #divorce #divorceresources #planning #lifeafterdivorce
มุมมอง 1243 หลายเดือนก่อน
Financial Steps To Take Before Divorce #divorce #divorceresources #planning #lifeafterdivorce
4 Ways To Get More Money Into Tax- Free Roth Accounts #financialplanning #rothira #401k
มุมมอง 3763 หลายเดือนก่อน
4 Ways To Get More Money Into Tax- Free Roth Accounts #financialplanning #rothira #401k
How To Earn More In Your Health Savings Account #healthsavingsaccount #invest #taxfree
มุมมอง 1023 หลายเดือนก่อน
How To Earn More In Your Health Savings Account #healthsavingsaccount #invest #taxfree
Is Social Security Going Broke? #socialsecurity #wealthmanagement #financialadvisor #benefits
มุมมอง 3124 หลายเดือนก่อน
Is Social Security Going Broke? #socialsecurity #wealthmanagement #financialadvisor #benefits
Top Tax Mistakes to Avoid with Steven Jarvis #taxplanningstrategies #taxplanning #taxwriteoff
มุมมอง 814 หลายเดือนก่อน
Top Tax Mistakes to Avoid with Steven Jarvis #taxplanningstrategies #taxplanning #taxwriteoff
Understanding Current Trends in ETFs with Matthew Bartolini #etfs #etfportfolio #etf
มุมมอง 474 หลายเดือนก่อน
Understanding Current Trends in ETFs with Matthew Bartolini #etfs #etfportfolio #etf
What Does an Inverted Yield Curve Mean? #yieldcurve #interestrates2024 #interestratehike
มุมมอง 874 หลายเดือนก่อน
What Does an Inverted Yield Curve Mean? #yieldcurve #interestrates2024 #interestratehike
Is Your Financial Advisor Delivering Value? #financialadvisor #financialeducation
มุมมอง 684 หลายเดือนก่อน
Is Your Financial Advisor Delivering Value? #financialadvisor #financialeducation
What To Expect Once I’ve Hired A Fee Only Financial Advisor #financialplanning #financialadvisor
มุมมอง 935 หลายเดือนก่อน
What To Expect Once I’ve Hired A Fee Only Financial Advisor #financialplanning #financialadvisor
How to Find and Hire a Fee Only Financial Advisor? #financialadvisor #financialeducation #feeonly
มุมมอง 915 หลายเดือนก่อน
How to Find and Hire a Fee Only Financial Advisor? #financialadvisor #financialeducation #feeonly
What Are the Three Types of Financial Advisors? #financialplanning #financialadvisor
มุมมอง 2455 หลายเดือนก่อน
What Are the Three Types of Financial Advisors? #financialplanning #financialadvisor

ความคิดเห็น

  • @RLaraMoore
    @RLaraMoore วันที่ผ่านมา

    Im confused on a few parts... 1. If I bought a $200 EE paper bond, did I pay $200 to buy it? Or did i pay $100 to buy the "$200" face value bond? 2. I understand the bond doubles it's value at 20 years old. 20 years after its issue date? Again, does this mean that i paid $100 and now the "$200" face value is achieved? ($100 became $200?) I think I'm understanding you to say that the growth is from interest it has been accruing since i purchased it, plus any adjustment difference added to make it at least double. Double what i paid ($100 became $200)? Or, Double the face value on the bond ($200 became $400?)? 3. Are you saying that at 20 years the bond at the very minimum will be double the value? Or in theory, could it ever accrue a surplus of interest value higher than double the bond's face value? At 20 years? 4. Are you saying that AFTER the bond doubles at 20 years, it can still grow beyond that amount by accruing interest over an additional 10 years? 5. Is "Maturity" the 20 years mark? Or is maturity the 30 years mark? I understand that after the 30 years, there is no more growth on the bond. I'm assuming there is also no loss after 30 years? No risk of losing any of the interest it had been accruing? Is the taxable interest on the Bond the difference between its face value and the amount you actually received when you cashed in the bond?

  • @deborahhall9419
    @deborahhall9419 9 วันที่ผ่านมา

    I'm disabled, was married 11years and 2months. I'm divorced since April 2010. I'm 62 years old. I recently heard that my ex spouse is disabled and reviewing disability. I receive below poverty level income. Should I apply for spousal benefit.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 6 วันที่ผ่านมา

      Due to your age of 62, your decision to collect Social Security should be based on whether you are working and if you can qualify for Social Security Disability. If you collect your own benefit or spousal benefit at 62 you will receive a permanent reduction in benefit. If you qualify for Social Security Disability Income on your own benefit, this may be more than a spousal benefit as there is no reduction in this benefit for receiving it early. If you are working and earning more than $22,320 (2024 limit) then your benefit may be reduced. I suggest you reach out to Social Security to find all your options as there is a lot to understand.

  • @rkaussner
    @rkaussner 12 วันที่ผ่านมา

    Great information Ryan (and thank you)!

  • @Jeff_Pendleton
    @Jeff_Pendleton 17 วันที่ผ่านมา

    One point may be confusing as to when you must report your interest for the EE bonds. If you have deferred the interest, you must report the total interest received over the 30-year life of the bond IN THE YEAR THE BOND MATURES regardless of whether you actually cash the bond or not. This caught me and I owed additional tax for interest accrued in the years after maturity and my realization this was the law. Even though the government still has your money, you must report the interest income in the year that bond matures, or they will charge interest on the unpaid tax.

  • @dutchcrunch91
    @dutchcrunch91 26 วันที่ผ่านมา

    Also, if you withhold the funds to pay the taxes for the conversion (instead of paying them separately) it’s considered a distribution and you will pay the 10% penalty on that withholding if you aren’t 59 1/2.

  • @creditrepairwizards
    @creditrepairwizards 28 วันที่ผ่านมา

    sell all the GOVT bonds S.S. funds were and continue to be used to purchase and put it all into the S&P 500 via SPLG ETF

  • @markhayes9130
    @markhayes9130 หลายเดือนก่อน

    Here is the issue for me. My 529 plan will only transfer the entire amount. They do not process partial rollovers or partial amounts when selecting the rollover. How will Schwab (beneficiary roth account) handle the TOTAL refund of the 529 funds if the allowed limit is $7000 per calendar year? What happens to the remaining balance/funds that we part of the full transfer?

  • @robertreynard2916
    @robertreynard2916 หลายเดือนก่อน

    New to your channel… will subscribe… great info

  • @proper2infinity367
    @proper2infinity367 หลายเดือนก่อน

    How do I know what # to put in Denomination?

  • @user-bg9em7ch6k
    @user-bg9em7ch6k หลายเดือนก่อน

    This information is So important. I was one of the 6/10 people who had absolutely no idea that I would be eligible for spousal benefits. My husband and I made virtually identical salaries throughout our careers, and I thought that I would just take my own. Then he died. And then I Happened upon a TH-cam video that taught me that I can get 71.5% of his benefit (because I’m just turning 60) for the next 10 years, while my own grows… crazy, but even crazier that I had no idea!!!

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 หลายเดือนก่อน

      Im very sorry to hear about your husband but I’m so glad you found this video and will be getting what is owed to you from Social Security. Unfortunately, many widows have no idea about the spousal benefit. Please share with others.

    • @user-bg9em7ch6k
      @user-bg9em7ch6k 25 วันที่ผ่านมา

      @@retirewithryanpodcast5356 I absolutely am, and thank you again.

  • @JothyDesigner
    @JothyDesigner หลายเดือนก่อน

    Hello Sir , U need a attractive TH-cam thumbnail designer to grow your views?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 หลายเดือนก่อน

      If you have different ideas please send them to help@retirewithryan.com

  • @rubengonzalez7203
    @rubengonzalez7203 หลายเดือนก่อน

    Thoughts on snoxx ?

  • @rorywoodworth4851
    @rorywoodworth4851 หลายเดือนก่อน

    Lie.....

  • @cspowers87061981
    @cspowers87061981 หลายเดือนก่อน

    Oh cool. I thought you were going to have some solution. Thanks for the awesome info. 🙄

  • @thelmalayco7732
    @thelmalayco7732 2 หลายเดือนก่อน

    Sir my husband passed away in June 2023 I was already receiving half of his retirement but now I am 71 am I now entitled to my former earnings ?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 หลายเดือนก่อน

      Firstly, my condolences. You’re entitled the the higher of his benefit as a spousal survivor benefit or your own benefit. I have a feeling his benefit is higher than your own benefit because you were claiming half of his benefit. Give Social Security a call 800-772-1213 and they will help you. Best of luck!

    • @thelmalayco7732
      @thelmalayco7732 หลายเดือนก่อน

      @@retirewithryanpodcast5356 thank you sir

  • @audreyrobinson8313
    @audreyrobinson8313 2 หลายเดือนก่อน

    Can an Ex force you to withdraw off his SS if after being married 38 yrs. to reduce his alimony payments

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 หลายเดือนก่อน

      This is more of a question for an attorney. I believe Social Security income can be included in the calculation of alimony but each state has different rules regarding alimony.

  • @naijaxgaming3000
    @naijaxgaming3000 2 หลายเดือนก่อน

    Good tip....

  • @LalaB4U
    @LalaB4U 2 หลายเดือนก่อน

    I need to buy a Roth at Schwab but not sure if I should.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 หลายเดือนก่อน

      I think you mean open a Roth IRA. A Roth IRA is just an account. You can/must decide how to invest that money based on your risk tolerance. Schwab is an excellent company to open your Roth IRA at. Best of luck!

  • @naijaxgaming3000
    @naijaxgaming3000 2 หลายเดือนก่อน

    Beautiful..... I didn't even understand anything you said.... But you sound so soothing...... 👍

  • @siegelpmp
    @siegelpmp 2 หลายเดือนก่อน

    Thank you for this info. It was news to me and I should have learned this before . But now I know!!!

  • @Lambchop59
    @Lambchop59 2 หลายเดือนก่อน

    Does being to irmaa adjested ...does it go year by year that cost? Say u go above 170k one year and down below the cut off the next year? Then back up? ...having a small etsy shop for living on money

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      Yes each fall your Medicare premium and IRMAA surcharge, is calculated based on your prior years tax return. So, your 2025 Medicare premium will be based on your 2023 tax return.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      So yes, if your income is fluctuating then your Medicare premium can fluctuate.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      If you are eligible for an appeal of the IRMAA then you must fill out form SSA-44

    • @crystalduncan8453
      @crystalduncan8453 วันที่ผ่านมา

      On​@@retirewithryanpodcast5356

  • @Lambchop59
    @Lambchop59 2 หลายเดือนก่อน

    Sir what if u cant pay? This always made me curious...i know they take it out of your ss but if ss doesnt cover it what happens?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      Yes, if you are collecting Social Security then they deduct your Medicare premium before they send you the social security payment. If you are not on SS, then you have to pay by credit card, bank account, check, or money order.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      Thanks for the comments!

    • @Lambchop59
      @Lambchop59 2 หลายเดือนก่อน

      @retirewithryanpodcast5356 thank you so very much for all your respnds...but hummm what if you can't pay and ss is used up?

    • @Lambchop59
      @Lambchop59 2 หลายเดือนก่อน

      Thank you so very much for replying to all my questions,,,ur very kind.im grateful. But I'm sure there are folks wondering are you FORCED to take medicare or an advantage plan if u dont have another insurance? Say you make good money and don't want government medicare or advantage plans..will the govtment STILL ...steal/force from ss...i mean take your money even at basic amounts?

  • @Lambchop59
    @Lambchop59 2 หลายเดือนก่อน

    Sir thank u so very very much. I'm 65y working 64k /yr. I have literally no saving...lost it all taking care of mom and 2 brothers that died. I'll get1800 about a month in ss...I've seen the irmaa chart I can go up to 170k and the premium doesn't go up......but to survive I'm started an Etsy online shop...and I used to be a commercial lillustrator and I'm working on making it a great success in money..Lord Willing. My question is as I get older this shop may go up past the 170 one , two 3 yrs then down below 170k..ur video here seems to say medicsre is FORVER MORE then going to look at my 2yr back income. ....if my income goes up and down the 170k limit do I have to do anything. ...file anything ...and with whom? . I HAVE to make money at least up tomthe170k...but my goal is to make as much as i can...i'm not retired or on medicare now..have work insurance. I'm so grateful for you here and ur videos..thank u from my ❤️ 😊 gloria

  • @danielputman6576
    @danielputman6576 2 หลายเดือนก่อน

    Thank you. Taking your advice now.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      Awesome to hear! Glad to help people earn more money on their investments!

  • @elbertzeigler6237
    @elbertzeigler6237 2 หลายเดือนก่อน

    Raquel is really spot on! She has explained and role-played the situations and nuances of the new rules so you really understand it. I have listened to many people explaining the new NAR MLS rules. I tuned most of them out in the first 3 minutes because they were kind all over the place or not explaining it well.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      I agree, she did a great job explaining the upcoming changes! Thank you for watching and please share the video!

  • @aalokd3043
    @aalokd3043 2 หลายเดือนก่อน

    How about the dividend or interest I earned on that non deductible portion?

  • @turboZ3
    @turboZ3 2 หลายเดือนก่อน

    I have SWYNX in roth ira and SCHD in brokerage i feel comfortable with these 2 but will look into ones u mentioned

  • @TotalReturns
    @TotalReturns 2 หลายเดือนก่อน

    SEC yields are already net of expense. You don't further reduce the yield by the amount of the expense.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      Thank you for the comment, I now see that the annual expense ratio is subtracted in calculating the 7 day yield.

    • @shsu7426
      @shsu7426 2 หลายเดือนก่อน

      Thank you!

  • @SusanSchlengerSS
    @SusanSchlengerSS 3 หลายเดือนก่อน

    Where does the 10 times come in?

    • @californiadreamer5968
      @californiadreamer5968 3 หลายเดือนก่อน

      When you get paid dividends from CDs, etc, it goes into a regular savings account that only pays .48%. You need to move/ reinvest that into something that pays higher interest, like a CD or money market account that could be currently be paying 5%. 5% is 10x .5%.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 2 หลายเดือนก่อน

      If you purchase SWVXX it pays 10 times the default sweep money market in Schwab accounts.

  • @missouri6014
    @missouri6014 3 หลายเดือนก่อน

    That’s why I don’t do business with swab because with Fidelity it automatically goes into my sweep account That is why I think swab screws people over because when people are busy, they won’t take that extra step to move it to the money market plan so it’s a real rip

  • @eile4219
    @eile4219 3 หลายเดือนก่อน

    Thanks for the info. Now I know why Fidelity gives me 5%, Schwab. I have alot of short option positions, how would it impact my margin if I put the cash position in one of those fund?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 3 หลายเดือนก่อน

      Fidelitys money market, SPAXX pays a little bit less than Schwabs SWVXX and has a higher annual expense ratio. You’d have to check with Schwab about the ability to use SWVXX on margin but I believe you can.

  • @Steve_SEC
    @Steve_SEC 3 หลายเดือนก่อน

    What about dividend ETFs such as VIG, or does VTI provide sufficient dividends?

  • @turboZ3
    @turboZ3 3 หลายเดือนก่อน

    Great info and I like what Shaun said about multiple accts - i've got the Roth IRA & 401k, personal brokerage, HYSA, and will be gearing up to set up a separate Vanguard acct with VTSAX soon.

  • @johnjohn-ne8fw
    @johnjohn-ne8fw 3 หลายเดือนก่อน

    Surprised you don't have more of a following. You're good.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 3 หลายเดือนก่อน

      Thank you!! Please spread the word and help me grow my channel!

  • @davidk6498
    @davidk6498 4 หลายเดือนก่อน

    Any thing is better than the sweep account at .48 percent what we all want is a sweep account paying a higher interest why because when we sell it goes directly to your sweep making a decent percentage we may have limit orders on that may hit one two three,months from now Schwab is taking your sweep money and collecting the arbitrage between the sweep and the money market they don’t have your best interest at heart there making money and hoping you will fall asleep and let you money sit there while they collect times this by let’s just say a lot of people I am stuck here through a work place plan I will be leaving to fidelity there is a lot to like about Schwab but this is shady and you must keep and eye on them .

  • @davidk6498
    @davidk6498 4 หลายเดือนก่อน

    Does Charles Schwab have a sweep account that is high interest like fidelity spaxx that we can trade from without having to seek and re buy

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 4 หลายเดือนก่อน

      They have money market funds like SWVXX, that currently pay more than SPAXX and have a lower expense ratio. However, you have to buy and sell them when adding, withdrawing, or trading.

  • @roncola6886
    @roncola6886 4 หลายเดือนก่อน

    Thank you for this video. One question about the basis that gets taxed as ordinary income in the year of distribution. Where does this basis get reported on tax forms? Thank you.

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 3 หลายเดือนก่อน

      I believe the basis is reported on line 5a of the 1040 as pension/annuity income.

  • @millerforester6237
    @millerforester6237 4 หลายเดือนก่อน

    SS will never be "broke". The Fed Reserve will just print enough fiat money to write the checks. The bad news is that your checks buy less and less by the day and day. To stop this process, the Fed has to stop printing more fiat currency; or easily put, the govt needs to live within its means. Most politicians who try to fix this will not get (re)elected. Soooooooo, it ain't gonna happen. People want their free stuff. Ref SS, it is INSURANCE. The money paid in has to be set aside for ONLY that purpose, not spent for anything ever since it was enacted. Our govt has spent the money. Second, raise the retirement age to 67 now (grandfathered in at say age 50 or 55 and raised yearly), and slowly raised to 68-70. People who make it to 65 now may live another 15 years. When SS was enacted, most people didn't even make it to 65. I worked until age 75 because I could (what else would I do all day?). So I collected my SS check (which I saved), and spent my income. Now, the govt is taking it all with inflation and higher taxes. The only solution left is just to die.

  • @auricgoldfinger8478
    @auricgoldfinger8478 4 หลายเดือนก่อน

    Ryan, a bit of a confused presentation. You’ve confused duration with interest rates

  • @geofru
    @geofru 4 หลายเดือนก่อน

    At 2:55, the rated yield is AFTER expenses. Notice comment "with/without waivers" (of the fee). And when you recorded this, you must sell 2 days before you can use the money. Starting 5/30, I believe, it is now T+1 to get your money. And please tell us about Munis and how to calc the difference.

  • @turboZ3
    @turboZ3 4 หลายเดือนก่อน

    The amount with these accts though is one better off just simplifying it & putting that $ in a HYSA instead?!

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 4 หลายเดือนก่อน

      It depends on the interest rates of high yield savings accounts. But this also means you will have to open another account. I personally like to have my money at one place if possible. It gets annoying to have to transfer money back and forth. The money market rates at Schwab are comparable with high yield savings accounts. You can also buy other short term investments like treasury bonds and CDs in your Schwab brokerage account, to boost your return, if you don’t need the liquidity of the money market funds.

  • @turboZ3
    @turboZ3 4 หลายเดือนก่อน

    Thanks that's where I had a question was with taxes. So if I get the municipal funds I just have to pay state tax correct? so i just show the statement to tax pro around tax season?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 4 หลายเดือนก่อน

      Yes, you don’t pay Federal tax on municipal bond income. However, because it’s a bond fund, with many bonds in it, and you will probably have to pay state income tax. However, there are state specific muni bond funds.

    • @geofru
      @geofru 4 หลายเดือนก่อน

      There may be Muni's specific to your state, to save both US and State taxes. In CA, the fund must have more then 50% CA to not be taxable, and then only to the % that is CA. So choose a fund that is 100% your state .

    • @turboZ3
      @turboZ3 4 หลายเดือนก่อน

      @@geofru good to know thanks!

  • @DMcLean-e4n
    @DMcLean-e4n 4 หลายเดือนก่อน

    I made the change to my investment accounts immediately. Thank you so much!

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 4 หลายเดือนก่อน

      Awesome!! Glad to hear you will now be earning more interest on your money market funds!!

  • @taurussilver8282
    @taurussilver8282 5 หลายเดือนก่อน

    I placed an order (SWVXX) for small odd amount, but it wasn’t filled. Do I have to go with a large round amount like 1,000s?

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 5 หลายเดือนก่อน

      From what Schwab shows online, there is no minimum purchase for SWVXX. You should call Schwab to find out what happened.

    • @taurussilver8282
      @taurussilver8282 5 หลายเดือนก่อน

      @@retirewithryanpodcast5356 Thank you for the suggestion. I checked back the order today, and the order is now FILLED. It remained OPEN yesterday. I guess it sometimes takes time.

  • @adriancarbonetti
    @adriancarbonetti 5 หลายเดือนก่อน

    Schwab sucks. I had working orders that went MIA during the migration. So with my linked bank accounts.... missing. the information, the education TD provided that is just non existent at Schwab. How did the regulators allowed such a merger that puts the trading industry decades behind? IS the US turning into a 3rd world country that allows such things to happen? THe bigger uglier slower and fatter taking over excellence? Very sad! I miss Ameritrade...

  • @digitaldufus
    @digitaldufus 5 หลายเดือนก่อน

    I used TDA desktop interface and it was GREAT. Schwab's sucks. Anyone know of broker DESKTOP interface similar to what TDA desktop *was*?

    • @elisao927
      @elisao927 5 หลายเดือนก่อน

      Hi - I’m trying out E*Trade - it comes close but you need to open the power E*Trade screen … I miss TDA desktop so much !

  • @BitsyBee
    @BitsyBee 5 หลายเดือนก่อน

    It takes a whole book to know this? It must, because I sure can't figure out how to find someone with NO conflicts of interest!

    • @retirewithryanpodcast5356
      @retirewithryanpodcast5356 4 หลายเดือนก่อน

      Working with a Financial Advisor that is Fee-Only is going to minimize the conflicts of interest.

  • @TheMike5232
    @TheMike5232 5 หลายเดือนก่อน

    the schwab platform is abysmal

  • @keithmachado-pp6fv
    @keithmachado-pp6fv 6 หลายเดือนก่อน

    Relief extended to 2024

  • @jeremyd.2156
    @jeremyd.2156 6 หลายเดือนก่อน

    TDA ran like a startup in the best possible way, Schwab has some good aspects but they're bloated and their back office has no accountability