10 Years of Retirement Advice in 13 Minutes

แชร์
ฝัง
  • เผยแพร่เมื่อ 22 ธ.ค. 2024

ความคิดเห็น • 311

  • @Contemplate-s8p
    @Contemplate-s8p 2 หลายเดือนก่อน +417

    Everyone who reads this, we don't know each other and probably never will but I wish you all the best in life and all the luck in the world

    • @bonniebee4163
      @bonniebee4163 2 หลายเดือนก่อน +4

      Same to you, thank you!!❤

    • @Contemplate-s8p
      @Contemplate-s8p 2 หลายเดือนก่อน +4

      @@bonniebee4163 thank you

    • @thisisatrium
      @thisisatrium 2 หลายเดือนก่อน +4

      Thank you!❤

    • @jdsheleg8332
      @jdsheleg8332 2 หลายเดือนก่อน +5

      If you see a bald, middle age, good looking guy walking down the street, that will be me. It is a small world, after all!

    • @Contemplate-s8p
      @Contemplate-s8p 2 หลายเดือนก่อน +2

      @@jdsheleg8332 thank you

  • @MargaretWest-m8u
    @MargaretWest-m8u 13 วันที่ผ่านมา +643

    Retirees who struggle to make ends meet are often those who didn't accumulate enough wealth during their working years. The choices you make regarding your retirement investments can have a significant impact. My parents both spent the same number of years in the civil service, but my mom invested through a wealth manager while my dad stuck with his 401(k).

    • @CarddtReddt
      @CarddtReddt 13 วันที่ผ่านมา +1

      This resonates with me. I’m in my mid-50s now, and my wife and I were following a similar path. Two years ago, I shifted my funds to her wealth manager’s guidance. While I’m not matching her returns yet, I’m definitely seeing higher gains than I would have with just the 401(k). My retirement fund is growing faster than ever-even before I officially retire!

    • @Toni__Michelle
      @Toni__Michelle 13 วันที่ผ่านมา +1

      It’s unfortunate that many people lack access to this kind of information. It’s understandable why some panic when they don’t have the right guidance. Personally, I've earned over $287k passively by investing through an advisor, without the need for much involvement. Whether the economy is booming or volatile, a skilled wealth manager consistently delivers results.

    • @FrankJaaay
      @FrankJaaay 13 วันที่ผ่านมา +1

      Who is your advisor? I’m looking for a more strategic approach to investing my savings.

    • @Toni__Michelle
      @Toni__Michelle 13 วันที่ผ่านมา +1

      Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.

    • @ToreyLanez
      @ToreyLanez 13 วันที่ผ่านมา

      I did a quick search on Rebecca Lynne Buie, and her website came up right away. I’m impressed with what I’ve seen so far and will be scheduling a session with her soon.

  • @Duxbury-o8d
    @Duxbury-o8d 2 หลายเดือนก่อน +243

    I'm 59 and turning 60 soon. I got laid off with a bunch of other people at my firm. I was a little down (for about a day) because I was one of those people who did the right thing over the last 30 years. I'm now retired and love it. I say that because over those 30 years I was a personal finance junkie and listened to all my mentors (John Bogle, Warren Buffett, David Bach, sometimes Dave Ramsey) "use your job to finance your retirement goal"

    • @Duxbury-o8d
      @Duxbury-o8d 2 หลายเดือนก่อน +5

      kenderdine put in the simplest terms to help you understanding tax, mortgage, emergency funds for cashflow interest. If you're looking for nest egg options or if you have any questions about financing your next property, feel free to write Deron Cirillo his incredible earning interest will support you in making your home buying and benefit journey as smooth and stress-free as possible.
      Good luck staying debt free as much as possible in the future.

    • @Paulreal-s2w
      @Paulreal-s2w 2 หลายเดือนก่อน +2

      I like the reward tip My wife and I are working on paying off our mortgage fast, and I think that will help motivate us. I can't wait to be mortgage free! We have a plan, and should be able to get there in 5 years or so, with extra effort.

  • @JefferyDuns
    @JefferyDuns 20 วันที่ผ่านมา +209

    Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.

    • @JacobFest
      @JacobFest 20 วันที่ผ่านมา

      Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.

    • @RobbieNixon-d1w
      @RobbieNixon-d1w 20 วันที่ผ่านมา

      I think having an investment advisor is the way to go. I've been with one because I lack the expertise for the market. I made over $490K during the recent dip, highlighting that there's more to the market than we average folks know.

    • @PhilipDunk
      @PhilipDunk 20 วันที่ผ่านมา

      How do I get involved in this? I am excited to take part because I genuinely want to build a stable financial future. Who is the main inspiration behind your accomplishments?

    • @RobbieNixon-d1w
      @RobbieNixon-d1w 20 วันที่ผ่านมา

      Sophie Lynn Carrabus is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

    • @PhilipDunk
      @PhilipDunk 20 วันที่ผ่านมา

      I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

  • @bluecollarmark
    @bluecollarmark 2 หลายเดือนก่อน +208

    🤷🏻‍♂️🤷🏻‍♂️ Not to be arrogant: These guys are all the same. Fiat currency (money these days) is always the main stay when it come to retirement. I’ve thrown this belief out the window. Why? My 63 year old neighbor died behind the wheel of his car on his driveway. Here today gone tomorrow.
    TIME is the true MONEY!!!!!
    Retire as soon as you can, even if you think you can’t afford it, just cut back on your living standard. Downsize your life. Live small and enjoy the years you have left.
    Today all these investment firms claim you need a Million Dollars to secure your retirement. Of course, this way they can earn their income off of your’s.
    When was the last time you watched a Sunrise? To me it’s worth a lot more than looking at the digits in my portfolio.
    Hope this advice helps a few of you who are stuck on the hamster wheel.
    🏠☀️👨‍🌾🕯🐝🐇🐓🐄

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +5

      Interesting! Thx for watching.

    • @FIRED13
      @FIRED13 2 หลายเดือนก่อน +21

      While in college, I lost a friend's younger sister to cancer and a classmate's younger brother to a firearm accident at home. I also lost two high school classmates (that I know of), one right after graduation (accident on a personal grad trip) and another to suicide 5 or so years after graduation. I've lost coworkers, a parent and a younger sibling before they turned 45 to natural causes, and a coworker

    • @scottmartin6139
      @scottmartin6139 2 หลายเดือนก่อน +26

      As the saying goes… we are all born to die and growing old is a privilege that is denied to many.

    • @rfink222
      @rfink222 2 หลายเดือนก่อน +13

      Even when you retire you are still living in a society (USA) that is totally focused on riches and materialism. Everyone is trying to get as rich as possible at the expense of everyone else. It creates a low quality of life for everybody including retirees who are trying to live a peaceful retirement.

    • @elgringoec
      @elgringoec 2 หลายเดือนก่อน +5

      I mean, you do need some amount of fiat in order to be able to comfortably saunter out to check out that full sunrise. You are correct in principle though. Your time is what matters. As I'm looking out over a foggy view. Still marvelous, though. And yet something has to pay those utility, insurance, and tax bills, get those groceries, put gas in the car, bike, mower....

  • @rfink222
    @rfink222 2 หลายเดือนก่อน +58

    Life is short, none of this will matter soon enough.

  • @reesesha2289
    @reesesha2289 2 หลายเดือนก่อน +35

    Thank you for this excellent content. Planning to retire three years sooner than anticipated is critical to know in one's 40s. I'm 58. My company sold, and I lost my Executive Director job. One year later, I still can't find a job. Ageism is real and thriving. You're the first financial advisor to address this that I've heard.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      I’m sorry to hear about the job 😢

    • @reesesha2289
      @reesesha2289 2 หลายเดือนก่อน

      @@SECURiMENTWealthMGMT Thank you!

    • @sam12587
      @sam12587 2 หลายเดือนก่อน +1

      My Mom ran into the came thing. She wanted to work to 72 but after 65 she couldn’t find anything full time or decent wage.

  • @tonylevine2716
    @tonylevine2716 2 หลายเดือนก่อน +22

    New subscriber. Great info! Retired vet so blessed to have pension, VA disability, and healthcare at the VA. I also take care of my body by eating right and working out.
    Retired as a govt contractor last Oct just shy of 56. Best decision ever! The Rule of 55 applies but I have bridge accounts to take me to 59.5 but will try not to tap into my retirement accounts even after that if I can avoid it. Plan to take Social Security at 62. God is good! 🙏🏾

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +2

      Thanks for watching and for your service !!

  • @Alan-lv9rw
    @Alan-lv9rw 2 หลายเดือนก่อน +59

    I retired this year at 61. My pension and SS combine to give me an annual income of $78,350. I also have a 401K and I zero debt. I think I’ll be ok. If not, I’ll get a part time job. The company where I worked adopted Six Sigma for its white collar office workers and everyone left, including me.

    • @2Rugrats9597
      @2Rugrats9597 2 หลายเดือนก่อน +18

      If you have zero debt and an income of $78K, there should be no reason to work unless you really want to. You will be just fine also cause you still have a 401K and SS too

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +3

      Good stuff. Thanks for watching!

    • @searchersearcher8286
      @searchersearcher8286 2 หลายเดือนก่อน +8

      You will be fine, unless inflation kick in again. Inflation could reduce that income by 50% in a short ten years

    • @2Rugrats9597
      @2Rugrats9597 2 หลายเดือนก่อน

      @@searchersearcher8286 😂😂😂😂😂

    • @Markrtsoon
      @Markrtsoon 2 หลายเดือนก่อน

      @@searchersearcher8286very polite way to state a concern.

  • @enigmathegrayman2953
    @enigmathegrayman2953 2 หลายเดือนก่อน +9

    I stayed in a hostel a few blocks away from Wrigley Field, it was cheap, not too far away from a White Castle Hamburger joint and I loved it, great experience

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I haven't been to White Castle in 35 years (at 4am LOL) Now that's when I get up. Thanks for watching!

  • @marcroche9324
    @marcroche9324 หลายเดือนก่อน +2

    Good luck meeting the requirements of your LTC carrier to start benefits.
    My mother was lucky. One of my sisters is an Attorney.
    Many of her (senior living apmt) friends gave up trying to get their benefits.
    I won’t name my mothers insurance carrier. It was quite reputable.
    Her friends had different carriers. I won’t bother trying to get coverage.

  • @yesiamsharon
    @yesiamsharon 2 หลายเดือนก่อน +14

    I only have 401K options. So saying that's not going to work for retirement is not true. I'm retiring relatively soon and never had the option for a pension. I think it is accurate that most retire before they thought they would.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      You are one of the lucky ones! Many people I encounter have a 401K and don’t know how to use it for retirement. The point I was trying to make was that a pension made it easier. Thank you for commenting and watching!

  • @caseybills5517
    @caseybills5517 4 ชั่วโมงที่ผ่านมา +1

    Really enjoyed this video. I'm considering your advice, because thousands of dollars have been disappearing from my 401k due to soaring inflation, and my concern is where to safeguard and grow remaining cash about $500k+ for the next 2-3 years at no risk. I'd love to retire early and afford a life after retirement.

    • @JamesLongman-v5r
      @JamesLongman-v5r 4 ชั่วโมงที่ผ่านมา +1

      Using a 401(k) or IRA is a valuable strategy for retirement planning, providing potential savings growth and tax advantages. While the stock market is promising, expert guidance is essential for effective portfolio management

    • @StacieBMui
      @StacieBMui 4 ชั่วโมงที่ผ่านมา +1

      Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022

    • @LiaStrings
      @LiaStrings 4 ชั่วโมงที่ผ่านมา

      Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

    • @StacieBMui
      @StacieBMui 4 ชั่วโมงที่ผ่านมา +1

      Finding financial advisors like Sonya lee Mitchell who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

  • @roburb73
    @roburb73 2 หลายเดือนก่อน +8

    Thankfully, I have Tricare for my family and I'm also fully covered under VA healthcare and disability compensation.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Thanks for your service and thanks for watching!

    • @mascaretllcmanager7481
      @mascaretllcmanager7481 2 หลายเดือนก่อน

      Is Tricare accepted in the EU?

    • @calivalley9056
      @calivalley9056 2 หลายเดือนก่อน

      @@mascaretllcmanager7481Yes, TFL overseas is an option if you are moving there, just need to update DEERS. General use is no different while visiting.

  • @05glisedan
    @05glisedan 2 หลายเดือนก่อน +38

    You could always make more money but could cannot make more Time.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      YEP! Thanks for watching!

    • @MrSean03839
      @MrSean03839 2 หลายเดือนก่อน

      Actually if you are wealthy in the US you can buy more time by having proper healthcare access.

    • @sylviaskinner6849
      @sylviaskinner6849 2 หลายเดือนก่อน

      @@MrSean03839 I am not wealthy. I got part an and part B Medicare and I pay $19 for part C and D Aetna Advantage. I encourage everyone to check it out. It is phenomenal.

    • @sylviaskinner6849
      @sylviaskinner6849 2 หลายเดือนก่อน

      Part A not an

  • @tcwaz
    @tcwaz 2 หลายเดือนก่อน +4

    I really like that you said about 5 years of expenses going into retirement! I have a 70k pension and am retiring at 46 next year. That covers all of my needs and some of my wants. I have been keeping track of spending for the last 2 years to try and estimate my retirement expenses. I have a brokerage account/HYSA with 5-8 years of extra spending in it before I get into my 457 and eventually my 401k. Hoping to let the 457 and 401k just grow and potentially ride out the next downturn. Good video, thanks!

  • @Latonya-r.b
    @Latonya-r.b 2 หลายเดือนก่อน +19

    I retired at age 53, so I am in my early 60s. Many of them resisted me because they couldn't understand the idea of not working if it wasn't necessary. I considered the phases of my life. I worked very hard to achieve what I have now, but in my last years, I owe it to myself to "stop and smell the roses." In my instance, I departed the nation after retiring and currently reside in Latin America. It made it possible for me to appreciate my new surroundings while escaping all the bad things that were going on in America. Nobody that I know of regrets retiring has yet to come to me.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Bien por usted! Gracias por mirar!

    • @William-y1d-l5c
      @William-y1d-l5c 2 หลายเดือนก่อน

      Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.

    • @duanec.sutherland5292
      @duanec.sutherland5292 2 หลายเดือนก่อน

      It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

    • @MoniqueJ-g2s
      @MoniqueJ-g2s 2 หลายเดือนก่อน

      I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

    • @duanec.sutherland5292
      @duanec.sutherland5292 2 หลายเดือนก่อน

      i definitely share your sentiment about these firms. Finding financial advisors like Kathie Daisy Bosco who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

  • @tracyalbino-daggett4032
    @tracyalbino-daggett4032 2 หลายเดือนก่อน +10

    I am a 54 year old nurse. My husband and I want to retire at 60. I have a mild physical disability ( cerebral palsy) obviously never impeded my career.
    I investigated LTC insurance. All 7 carriers have DENIED ME because of my disability.
    I have no option for long-term care insurance and worry about putting us in the poor house if I need care in the future. 😢

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I am so sorry to hear all that. I wish you well and appreciate you watching

    • @tamarabogart1284
      @tamarabogart1284 2 หลายเดือนก่อน

      My parents have Medicare and a supplemental health insurance plan. They have zero medical debt despite hospitalizations. Wish you well! 😊

    • @user-bg9em7ch6k
      @user-bg9em7ch6k 2 หลายเดือนก่อน +3

      Come to Mexico- there are really lovely care homes for between $3,300-$3,500/month… including food, physical therapy, delicious food…

  • @Ethan-bu2zy
    @Ethan-bu2zy 2 หลายเดือนก่อน +2

    Im 54 and still working until our oldest graduates Highschool. I have a military pension that more than covers my expenses along with Tricare insurance, which is good but relatively inexpensive. Planning to use my Roth and 401k as basically large emergency funds as needed and to withdraw only in the “up” years and even then less than whatever the funds did in returns for that year (if the fund earns 8%, only take maybe 6%). Planning to delay SS until FRA as well because I really shouldn’t need it.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Thank you for your service and thx for watching!

  • @11Hammers
    @11Hammers 2 หลายเดือนก่อน +4

    Having a 2 year buffer against downturns in a taxable account or cash is really important t if you can swing it

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Very true

    • @tonygiles1841
      @tonygiles1841 2 หลายเดือนก่อน +1

      More than important, I would say essential!

    • @rbeberman5296
      @rbeberman5296 หลายเดือนก่อน

      How would you invest the buffer funds? Money market? Or is there a better option that is still low risk but pays a little more?

  • @KayFabe87
    @KayFabe87 2 หลายเดือนก่อน +9

    Despite common myth, most people did NOT have pensions even during the heyday of pensions. The notion that "everyone" had a pension is completely apocryphal. The 401k, particularly with a company match, is an excellent retirement savings vehicle, but it should be supplemented with a personal IRA and other savings/investments as well.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Not everyone, but certainly more than now. Thanks for the feedback and for watching!

  • @juanestopinan3250
    @juanestopinan3250 2 หลายเดือนก่อน +4

    Observing my life at an older age,I realized to be able to retire,you have to have a lot saved,be rich,or make sure you don’t have debt…I went the no debt route..have a modest amount in 401 k account,and payed off house and car… living only on my SS income.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      I wish you well. THX for the comment and for watching!

  • @woodsparker7902
    @woodsparker7902 2 หลายเดือนก่อน +4

    Running your own race is amazing advice. Thanks for putting together this information filled video!

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I love running analogies, even though unfortunately my knee prevents me from running. Thanks for watching!

  • @scottjackson163
    @scottjackson163 2 หลายเดือนก่อน +26

    A person who is shackled by marriage to a spouse who has no vision or a myopic vision of perpetual financial ignorance and unexamined sameness of robotic “surviving” cannot fruitfully develop his own vision of retirement.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Good point. Thanks for watching!

    • @mbr500
      @mbr500 2 หลายเดือนก่อน

      Communication

    • @rachelcrossen8136
      @rachelcrossen8136 2 หลายเดือนก่อน +1

      I experienced this and opened my own Roth account. At least I will have that

    • @SvirepiyBambr-xw8rw
      @SvirepiyBambr-xw8rw 2 หลายเดือนก่อน +5

      Welcome to the club!
      Many of us men are trapped in a marriage with a wife who recklessly spends our hard earned money sabotaging our retirement plans.

    • @redonionsyummy
      @redonionsyummy 2 หลายเดือนก่อน +5

      ​@@SvirepiyBambr-xw8rwwhy stay married if you see your spouse as a" ball and chain"? That sounds awful

  • @montecraig7032
    @montecraig7032 2 หลายเดือนก่อน +24

    I have lived alone for 40 years. The day I can’t take care of myself I will checkout. I refuse to ask anyone for help.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I wish you well. Thanks for watching!

    • @stevenphillips3466
      @stevenphillips3466 2 หลายเดือนก่อน +4

      Like a Man !

    • @highdesertutah
      @highdesertutah 2 หลายเดือนก่อน +7

      Yeah, I don’t want to be in some assisted living facility crapping myself and not knowing who I am while people have to care for me. I hope I have the guts to check myself out.

    • @zzbudzz
      @zzbudzz 2 หลายเดือนก่อน +1

      I told my daughter who is a nurse basically the same thing..I said when I can't take care of myself ...

    • @CD-kh2pw
      @CD-kh2pw 2 หลายเดือนก่อน

      Agree. Don’t want to be laying in a bed, being plugged into a wall and that outlet is attached to my bank acct. When the acct goes dry, they will pull the plug. No thanks

  • @ClaudeRacine
    @ClaudeRacine 2 หลายเดือนก่อน +5

    Start visualising your retirement. I love that and will give this some serious thought.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I call it "see the finish line" when I use my running examples. Thanks for watching!

    • @castlerc
      @castlerc 2 หลายเดือนก่อน

      I did that 3-4 years ago and now I have a 36’ trawler boat that I’m going to travel in. I think it makes a huge difference! I see some friends of mine who are not as excited about the future, I suppose everyone is different.

  • @punisher6659
    @punisher6659 2 หลายเดือนก่อน +2

    Great video. Late 50's and the price of long term care scares me. Retiring from my job with a full pension. Will start a new job in less than a year. 28 years in Corrections is long enough. Did not take investing serious until the last 2 years but had money saved and the house will be paid for in 2 years. Question is what are some reperable long term care insurances? My dad was a disabled vet. I don't have that option. I plan to work another 11 years and start collecting Social Security at 67 but work until 69. 2 years of Full Social Security, Pension and Full time employment.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I’m not sure I understand your question. What are repairable long-term care policies? (by the way thank you for watching.)

    • @user-bg9em7ch6k
      @user-bg9em7ch6k 2 หลายเดือนก่อน

      @@SECURiMENTWealthMGMT reputable?

  • @jayanddeesretirementjourne617
    @jayanddeesretirementjourne617 2 หลายเดือนก่อน +10

    Nobody knows how much time you have! Plan to retire in 3 years. Will be 59.

  • @DrMaryVision
    @DrMaryVision 2 หลายเดือนก่อน +1

    Great content. I have watched dozens of these types of videos from other content creators and have learned a ton, but this was a fresh take with a few new concepts, and I appreciated the format which was succinct and clear.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      WOW! That actually means a lot to me. Thank you Dr. Vision 😜

  • @snow40741
    @snow40741 2 หลายเดือนก่อน +1

    I would like to retire in 4-5 years...and I am trying to sort out things if I do at 62-63...I never thought of the 401k as mentioned but have been thinking of doing some small conversion for the next couple of years before 62...setting up a hsa account for health care costs...not sure about long term health care...I have worked to become debt free...mortgage paid off...I will continue to work on this but if I have to leave the worker force 3 years sooner I am glad I am debt free and have access to all my retirement money...

  • @joekuhnlovesretirement
    @joekuhnlovesretirement 2 หลายเดือนก่อน +8

    Wow. I learned new things not just another spin on same concepts. Well done

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      My sons should be so kind to me! Thank you!

    • @cutehumor
      @cutehumor 2 หลายเดือนก่อน

      I’ll be watching this video later Joe 😂

  • @luzcamacho2050
    @luzcamacho2050 2 หลายเดือนก่อน +1

    Thank you. Learned a lot. Scary points brought to my attention such as getting long term care early instead of later. Something you know will happen but you don’t want to think about it early.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      If you need help with the LTC, let me know. Thanks for watching!

  • @riodejaneiro7675
    @riodejaneiro7675 หลายเดือนก่อน +5

    That's cute, telling people 401(k) is not a retirement plan, pension is, when there are no more pensions and 401(k) is all we have these days, if we are lucky.

  • @DouginHanover
    @DouginHanover 2 หลายเดือนก่อน +3

    Agree with some people here that 'retirement' is a scam of sorts. During my career I worked in IT and half of it I was a full time employee but the other half I was forced to work as a contract employee and guess what, NO 401K and no retirement plan during those years. I am 68 and still work full time, still trying to catch up my 401K and waiting till 70 to claim Social Security.

  • @lifeisshort3606
    @lifeisshort3606 หลายเดือนก่อน +1

    Recently turned off life support for my young son have a great career as a senior manager full of regrets wishing I had spent more time with my family than with work. At this point the next step is what's more important

  • @amymorketter2954
    @amymorketter2954 2 หลายเดือนก่อน

    when do you have to buy that insurance? can you buy it when you are sick ? i hear it’s very expensive

  • @paulwilson1193
    @paulwilson1193 2 หลายเดือนก่อน +1

    I'm already thinking about my future retirement. I have been 21 years with my company and I'm one of thr lucky ones that have a paid pension. I'm hoping to work 12 more years so i can retire at 60. Good tips, I'm trying to plan now.

  • @brianpost8827
    @brianpost8827 2 หลายเดือนก่อน +3

    I don't have a pension. I do however have $500000 in a 403B. Does it make sense to annuitize half of this to guarantee a monthly income and invest the rest in S&P funds and bonds ?

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I can't answer definitively without the particulars but I believe very strongly in guaranteed income to cover needs and most wants. If you want some help deciphering. the good from the bad, shoot me an email. And ... thanks for watching!

    • @FIRED13
      @FIRED13 2 หลายเดือนก่อน +2

      Depends on so many factors which you have not even listed.
      Get some help if this is the best you can do, I am dead serious.

  • @monika-mk2je
    @monika-mk2je 2 หลายเดือนก่อน +1

    Took the advice from my father who fought in W W 2…. ‘Save your money’ is what he taught us & I’m glad I listened 🙏🏼

  • @SurpassMoney
    @SurpassMoney 2 หลายเดือนก่อน +1

    Can i collet at 62 or does it have to be my full retirement age of 67 for the minor benefit?

  • @jeffdavis8811
    @jeffdavis8811 2 หลายเดือนก่อน +7

    I call BS on the 401k opinion. Without that option to save for my own retirement, I would have to rely on social security which is a joke. As a self employed individual, I have been able deduct my contributions during my high income years to save on taxes. I currently have over $3,000,000 in the account after 15 years. I expect that when I retire in 3 years at age 65, it will be close to $4,000,000. My total investment is about $400,000. Not a bad return! My income and tax rate will be much lower when I retire, so the taxes I pay on the 401k withdrawals will be less than if I were still working. That is how it is supposed to work and why it is a great option. Any time I listened to a financial advisor, I lost money. I finally did my homework and invested on my own and it paid off very well. It seems these days the only pensions that are available are through government jobs. Those pension plans are unsustainable. Thank God My 401k will allow for a very comfortable retirement.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Thanks for watching

    • @s.r.hadden525
      @s.r.hadden525 2 หลายเดือนก่อน +1

      The average mo doesn't have 3 million. In fact to get that return in that span of time you had to be putting in way more than the average can afford. I will say I believe he is talking about what happened around 2008-2009 the market crashed the auto industry was in shambles, everybody's 401k took a substantial hit. Bigger than anything seen in the past 15 years. My co worker was a retired guy forced back to work he was stuck because of all the money he lost..

    • @MrSean03839
      @MrSean03839 2 หลายเดือนก่อน

      You should probably check into converting to Roth to avoid huge rmd's down the road. Backdoor Roth also.

    • @jeffdavis8811
      @jeffdavis8811 2 หลายเดือนก่อน

      @@MrSean03839 Conversion to Roth makes no sense for me due to me and my wife’s current incomes and the high tax rates in California. My income when I retire will be much lower, which puts me in a lower tax bracket (assuming they don’t change). I see articles all the time about why one should covert to a Roth. Unfortunately, many people don’t carefully consider the ramifications of converting. Anyone considering it should do the math like I did. It doesn’t make economic sense for me to convert. I will have almost 10 years before I have to start my RMD.

    • @jeffdavis8811
      @jeffdavis8811 2 หลายเดือนก่อน

      @@s.r.hadden525 15 years ago I was the average schmo. Since then, I consistently invested my money in quality stocks and didn’t sell or panic when the markets dropped. In fact , I bought more when the market dipped. You must think long term and do your research on the companies you are buying. I’m sure you heard of Apple. 806% return over the past 10 years. Microsoft 803%. Glad I didn’t sell. A safe option is investing in an S & P 500 index fund. They have returned an average over 10% since their inception. Certain funds have averaged much, much more. Again, do the research.

  • @doozowings4672
    @doozowings4672 2 หลายเดือนก่อน +2

    The 401k was supposed to be only ONE of three legs of retirement. Leg one was social security, leg two was the pension
    , leg three was the last leg to the party, the 401k . Look what happened to the first two legs, that’s why people now cling to the hope that the 401 will save them . Invest in happiness while you all have your health, I wish nothing but the best for everyone .

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      You are spot on, my friend. Thanks for watching!

  • @zzbudzz
    @zzbudzz 2 หลายเดือนก่อน +3

    Nobody on their death bed says " I wish i would have worked more and spent less time with my family" ...NO ONE!!

  • @NKUBill
    @NKUBill 2 หลายเดือนก่อน +6

    Good video but I have to disagree with you on the 401k. You can definitely build retirement wealth using the 401k and a Roth account. You have to be very diligent to accomplish this...which most people are not.

  • @downhomegirl5
    @downhomegirl5 หลายเดือนก่อน

    Who do you use for your long term health care cost? What insurance company?

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  หลายเดือนก่อน

      My policy is with Minn Life (Secure Care). Email me if you want more info. Darryl@mysecuriment.com

  • @johngrubb5486
    @johngrubb5486 2 หลายเดือนก่อน +1

    I was fortunate enough to work multiple careers that had pensions which translates to about $150,000 in constant dependable deposits. These pensions also are tyed to COLA. I am able to use my 401k to just pay the taxes on my deposits. I can be in low risk investments and still increase the 401k value. Long term, pulling more out of my 401k as i age as tax deductions and brackets increase.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Jeez, this is one of the better ones! Good for you and thx for watching.

  • @vickiewilkins1579
    @vickiewilkins1579 2 หลายเดือนก่อน +2

    Do they sell those policies anymore? I don’t find that in the market.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      They are sold thru advisors (like me - LOL). But seriously, please research to see if it makes sense for you.

    • @mascaretllcmanager7481
      @mascaretllcmanager7481 2 หลายเดือนก่อน

      My sister and BIL had long term care policy till the company folded. they are older and sicker than me; scary.

  • @janetkenny4861
    @janetkenny4861 2 หลายเดือนก่อน +7

    I locked in the long term care insurance policy when I was 58 and still in good health. If I had waited even two years, my policy would have been much more expensive as I have developed health issues. I am single and I do not want to be a burden to my children if I should need care. The peace of mind the care will be taken care of is priceless.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Great move! People don’t realize how quickly they can become uninsurable… Thanks for watching.

    • @411sponge72
      @411sponge72 2 หลายเดือนก่อน +1

      That's great. I'm curious what insurance company you went with? All of the ones I looked at raise their rates every year.

    • @janetkenny4861
      @janetkenny4861 2 หลายเดือนก่อน

      @@411sponge72 there is an annual increase in the rate I think with all of them, and mine has an option to increase the coverage per month at 5%, which I pay for. My policy is through Vanguard.

  • @malcolmnewboldiv4248
    @malcolmnewboldiv4248 2 หลายเดือนก่อน

    Looking to retire at 55, in a few months. What health insurances are retirees using?

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Congrats! I just posted a video last week on this subject. It's on my channel. Thanks for watching.

  • @kwaichangcaine8234
    @kwaichangcaine8234 2 หลายเดือนก่อน +1

    I'm a self employed carpenter living in the Chicago area and just turned 64 , divorced with 4 grown children. I'm cutting back on work for sure but I don't think I have enough to retire. I'm debt free but Cook County property taxes are a real strain .

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Yep, I'm in Cook County as well. Not good. Thanks for watching!

    • @highdesertutah
      @highdesertutah 2 หลายเดือนก่อน

      Move.

    • @kwaichangcaine8234
      @kwaichangcaine8234 2 หลายเดือนก่อน

      @@highdesertutah
      How is Utah?

  • @sheneedsme
    @sheneedsme 2 หลายเดือนก่อน

    I’m 70, in great health, still work at a company I own and make good money. Working keeps me mentally sharp and I help a lot of people while doing it. I take a lot of vacations with my retired wife who has a great pension, health insurance and social security. Cars and house paid off. I may retire in another year or two or if my health declines. Not sure.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Sounds like a great plan! Thanks for watching.

  • @gibblespascack1418
    @gibblespascack1418 2 หลายเดือนก่อน +2

    Have 5 years of money for the first 5 years of retirement. If I understand that correctly, I would need 5 years of house budget in cash. For me that would be 250K in cash and today I have 30K. It would take years to bring that cash portion up to 250K. I don't have 250K in cash because everything beyond 30K is working to build the future. At 60, I could be looking at 30 years in retirement, so it must keep working for me going forward.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Start here and please understand i know nothing about you 😜. If you need the money in 2 years, for example, lock that money up in a 4 or 5% CD so that you are not taking risk with that money. What you don't want is to need money and have to sell at a loss bc the market isn't cooperating. Thanks for watching!

    • @gibblespascack1418
      @gibblespascack1418 2 หลายเดือนก่อน

      @@SECURiMENTWealthMGMT Thank you for answering. As I understand it, there would be no reason for money in under 2 years. Also, given the hold time of the portfolio, which is now 35 years, nothing would be sold at an actual loss. Even in 2008 scenario(a 50% downturn), nothing would be sold at a loss. It is one benefit and the one problem with a very long term plan. Everything sold form the 401K will have a 100% taxable withdrawal, or a 75% taxable withdrawal on the brokerage account sale. But I understand the issue regarding a 5 year liquidity plan. As for now, I am wrestling with the concept of having my former company pension turned into an immediate annuity. I have grown it out to the point where it can replace 100% of my current household budget and leave my 401K in place to grow for another 7 years until full retirement age or until forced withdrawals are required in just over 10 years. These are the problems that every American should have.

    • @zzbudzz
      @zzbudzz 2 หลายเดือนก่อน +1

      As the dollar loses value everyday ...the treadmill gets faster and steeper everyday. I'm 52 and so tired of this shit ..still working 12 hour rotating shift work

  • @berniekeene868
    @berniekeene868 2 หลายเดือนก่อน

    Do you sell long term care insurance?

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I do. Believe very strongly in it. If you would like my help understanding options, please reach out to me through my website. Thank you.

  • @rohans1789
    @rohans1789 2 หลายเดือนก่อน +1

    401k is a retirement plan. I’ve been saving with the assumption I cannot count on Social Security. If you save 10-15% and invest in S&P 500 index funds you will be fine. Investment advisors are not needed until you are ready to retire and need to use their software for withdrawal strategy and advice.

  • @chrisn6585
    @chrisn6585 2 หลายเดือนก่อน +4

    Don't think do necessity is the mother of invention I am retiring exactly 62 in 6 months not even thinking what is wrong or right I am done I invested have money put away and good to go

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Sounds great and thanks for watching!

    • @pat6601
      @pat6601 2 หลายเดือนก่อน

      What will you do for health insurance?

    • @margaretzhang1107
      @margaretzhang1107 2 หลายเดือนก่อน

      What are you going to do with the medical insurance?

  • @sammyday3341
    @sammyday3341 28 วันที่ผ่านมา

    If you have your finances in order, retire as soon as the career you have enjoyed becomes a daily grind. After 25 years in the railroad industry, I burned out this year and retired - something I thought I’d never do.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  27 วันที่ผ่านมา

      I hope you're enjoying it and thanks for watching!

  • @Coast_to_Coast
    @Coast_to_Coast 2 หลายเดือนก่อน +1

    Early retirement. Yes please!

  • @j.k.cascade2057
    @j.k.cascade2057 2 หลายเดือนก่อน +1

    Hum, don't know so much about the idea of long term care insurance.
    Its probably likely your coverage won't really cover you that well, that you premiums will go up, and that you may never use it.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      That's not how the new policies work. They are locked in and if you don't use it, you get it back. Thanks for watching!

  • @larrymelman
    @larrymelman 2 หลายเดือนก่อน

    @2:20 You have "clients" but you don't seem to understand what the 4% rule means? It means that a 10% loss in the first year is survivable. Every prior 30-year period that Bengen studied, was survivable. Even if past performance does not guarantee future results, to say that "this would clearly change the course of your retirement" shows a lack of understanding. Does "Securiment Wealth Management" have any credentialed staff? I mean real planning credentials like CFP. Not just a series 65 and insurance license which anyone can buy at the corner saloon.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Jeez. You can disagree without being so mean about it!

  • @declanmcardle
    @declanmcardle 2 หลายเดือนก่อน +1

    Is a 401k not supposed to be a DC replacement for a DB pension? If not, Americans are getting screwed twice: 1) disappearance of DB pension and 2) 401k isn't a DC replacement? Hmm...

  • @seamushanley2770
    @seamushanley2770 2 หลายเดือนก่อน +1

    Thank you

  • @sammyday3341
    @sammyday3341 28 วันที่ผ่านมา

    If you have your finances in order, retire as soon as the career you have enjoyed starts to become a daily grind.

  • @richgarcia6040
    @richgarcia6040 หลายเดือนก่อน

    Rush to retirement, but the thing you don't tell people is you have to be on a stringent budget once you retire, you can't buy what you want. Retire when you feel you've had enough, and it's right for you!

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  หลายเดือนก่อน

      Some people need to be on a strict budget but many don’t. Thanks for watching.

  • @Cindy-ee5ou
    @Cindy-ee5ou 2 หลายเดือนก่อน +5

    Suggestion (constructional criticism/a gift): background too distracting. If you like to look at them in your own videos, do so privately, unless your goal is to distract audience as much as you can from what you are trying to say. 🤓

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Thank you but I don’t get the shirt reference!!! (I get the background reference)

    • @Cindy-ee5ou
      @Cindy-ee5ou 2 หลายเดือนก่อน

      @@SECURiMENTWealthMGMT my apologies. It turned out to be dots on my screen overlapping with your shirt. Sorry about that. Comment revised.

  • @josephj7991
    @josephj7991 2 หลายเดือนก่อน

    I sm thinking of getting an Annuity for stable income floor

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Economists don't agree on much but universally agree that creating a stable income floor to cover your needs in retirement is a good idea. If you need help with that, let me know. I have some very strong opinions on what you should never do in this area. Thanks for watching!

  • @bruced.370
    @bruced.370 2 หลายเดือนก่อน +1

    Volume is a little low

  • @downhomegirl5
    @downhomegirl5 หลายเดือนก่อน

    My husband passed away & his company only pays me a pension for 10 years when I'm ready... pretty sad

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  หลายเดือนก่อน

      I’m sorry for your loss. Thanks for watching.

  • @jeffprager4888
    @jeffprager4888 2 หลายเดือนก่อน

    Thanks for the channel young man

  • @tazzel2699
    @tazzel2699 หลายเดือนก่อน

    I never understand a word people like you say

  • @HB-yq8gy
    @HB-yq8gy 2 หลายเดือนก่อน +2

    I disagree with long-term care it’s very expensive and doesn’t cover as much as you pay. I’m dying with zero. I’m going on Medicaid.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      That's one way to do it! LTC has been a godsend for our family but I get it. Thanks for watching!

    • @HB-yq8gy
      @HB-yq8gy 2 หลายเดือนก่อน +1

      @@SECURiMENTWealthMGMTI believe statistically the average person will die not long before using their LTC. Another option is to use your primary residence.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      @@HB-yq8gy Yes, certainly possible.

  • @TheLovely990
    @TheLovely990 2 หลายเดือนก่อน +1

    Time is more important than money. Retirement is a scam to me. Most companies do not have pension plans. Long-term insurance is so expensive, and you are not allowed to purchase it until you're 45 or older, but you better be 100% healthy. How do I work all my life, but only get a portion of my money? Makes no sense to me.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      Agreed (on some of your points) THX for watching!

  • @KISSGreatestFan
    @KISSGreatestFan 2 หลายเดือนก่อน

    Thank you for making this Video. Much Appreciated! :)

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Beth I hear you calling, but I can't come home right now, me and the boys...
      Thanks for watching!

  • @striperkid
    @striperkid 2 หลายเดือนก่อน

    Very informative video.

  • @mindcache5650
    @mindcache5650 2 หลายเดือนก่อน +2

    Visualize investing $20,000 in NVIDIA and leaving it alone for 30 years.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Lots of capital gains, lol. THX for watching.

  • @Gadfly2025
    @Gadfly2025 2 หลายเดือนก่อน +1

    Inflation rates will decimate your plans

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      I watch inflation very closely and the what never ceases to amaze me is that not one of my clients (that are spending their money in retirement) asked me for more money the last 3 years. Thanks for watching!

  • @tazzel2699
    @tazzel2699 หลายเดือนก่อน +1

    They retire early because they get pushed out at work

  • @joseromero9933
    @joseromero9933 2 หลายเดือนก่อน +1

    Awesome video my man new sub

  • @davidsamuelson2089
    @davidsamuelson2089 2 หลายเดือนก่อน +1

    Once you get sick you’re done anyway. Doesn’t matter what you have in a 401k or charade “long term care” insurance. Good luck with those false insurance policies.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Not even sure how to respond to this. My Dad has LTC insurance - helps immensely. My father in law, may he rest in peace, had it. It helped immensely. Thanks for watching.

  • @simon359
    @simon359 2 หลายเดือนก่อน

    I guess you haven’t heard about the great taking! I suggest everybody do some research on this.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Not going there, my friend but thank you for watching!

    • @simon359
      @simon359 2 หลายเดือนก่อน

      @@SECURiMENTWealthMGMT
      Of course not, you don’t want to scare your potential clients away!

  • @timecone57
    @timecone57 หลายเดือนก่อน

    A key financial issue is inflation…my goal is to beat real inflation by investment during retirement. Disingenuous to avoid this. I’m 58 and seen value of dollar decrease by 75% since 1980! Safe investments melt away like ice cube…they are appropriate when you are in last stage only

  • @Jupiterplus
    @Jupiterplus 29 วันที่ผ่านมา

    🐘 is health insurance!

  • @elgringoec
    @elgringoec 2 หลายเดือนก่อน +1

    Closer to fourteen. And over that with ads. 😂

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      I'll speak to the team and heads will roll...and thanks for watching!

  • @charmcrypto824
    @charmcrypto824 2 หลายเดือนก่อน

    Love the advice about not comparing your journey to others - so true! I’ve been thinking more about diversifying my portfolio and even set up a crypto IRA through My Digital Money. It’s been an interesting way to secure some assets for the future. Curious if anyone here has looked into that?

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      Unfortunately, or fortunately - I know nothing about crypto. Thanks for watching!

  • @Techpodshed
    @Techpodshed 2 หลายเดือนก่อน

    It's not going be enough to retire yall will need to work till you die.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      That's a lot to look forward to! Thanks for watching!

  • @crusaderlatin732
    @crusaderlatin732 หลายเดือนก่อน +2

    Do not retire!! He is leading you to your death!! Work as long as you can.

  • @santiagoalmada4736
    @santiagoalmada4736 2 หลายเดือนก่อน

    Listening to all this...i want to retire now !!😂

  • @Macedonia270
    @Macedonia270 หลายเดือนก่อน

    Poor people "own" insurance policies....Wealthy people own insurance companies....

  • @PJBHolden
    @PJBHolden 2 หลายเดือนก่อน

    Don’t worry about long-term healthcare folks. No state is going to throw you out in the street if you don’t have money. Who cares if you have an ocean view residence when you don’t know what you’re looking at and drooling oatmeal down your chin?

  • @leewinslett2592
    @leewinslett2592 2 หลายเดือนก่อน

    This video is the reason why divorce rates have soared. Marriage in the ideal is a religious commitment between two people and God, and meant to be a covenant until death. If we take away that important and meaningful context and permanance, then marriage seems like a raw deal to me. Bad contract for at least one of the partners if not both.

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน

      My video causes divorce. Not sure I understand but I appreciate you watching!

  • @alexgere529
    @alexgere529 2 หลายเดือนก่อน +2

    I was young again I would not even go to work again. Working for the rich

    • @SECURiMENTWealthMGMT
      @SECURiMENTWealthMGMT  2 หลายเดือนก่อน +1

      I worked for my children lol - thanks for watching!

    • @Swamprowdy
      @Swamprowdy 2 หลายเดือนก่อน +1

      What? Be homeless? Start a business?

    • @alexgere529
      @alexgere529 2 หลายเดือนก่อน

      @@Swamprowdy Own business, own boss, even with a small income

    • @stevenphillips3466
      @stevenphillips3466 2 หลายเดือนก่อน +1

      I would become a democrat politician ....

    • @alexgere529
      @alexgere529 2 หลายเดือนก่อน

      @@stevenphillips3466 Politian's are not working, but stealing