The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.
Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.
Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.
Melissa Terri Swayne is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I appreciate it. After searching her name on the browser and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
My husband and I 68;65)believe this fervently. So grateful to be on the same page. This weekend we have the grands (7 and 2); next week we head to Barcelona to start a 2 week cruise. Life is good and it flies by. Enjoy it.💜
Retirement planning is a lot harder now than it used to be. It’s all about finding the right balance between your risk tolerance and your long-term goals. You might want to consider working with an advisor who can help diversify your portfolio to reduce risks
Good point. I’ve used an advisor before, especially after losing a lot during the market crash in early 2020. Since then, I’ve been cautious but still managed to grow my investments. I’m semi-retired now, working only about 7.5 hours a week, and I’m roughly 25% shy of my $1M goal. But I need better guidance for these next steps
Thanks for sharing that. I’ve been trying to manage my portfolio myself, but honestly, it’s not working out. I think I need professional help. Do you have any recommendations for a good investment advisor? Someone who’s reliable and knows the ins and outs of planning for retirement?
I’ve mostly handled my own investments, but it’s starting to feel overwhelming. A professional could really help streamline things, especially when the stakes are so high
I can recommend Joseph Nick Cahill. He’s a highly respected CFA with years of experience helping people optimize their portfolios. Whether it’s long-term growth or short-term strategies, he knows how to make a difference. The best part? He offers free consultations, so you can see if his approach works for you before making a commitment
Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon
I am currently in my 50s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $380k in a savings account that i want to invest in a non-retirement account. Where should I invest it now?
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Finding financial advisors like Sophia Maurine Lanting” 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.
thank you for this tip , I must say Sophia, appears to be quite knowledgeable. After coming across her online webpage, I thoroughly went through her resume, and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Ricky! Imagine i invested $50,000 and received $190,500 after 14 days
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Ricky Wen.
Azul, thank you for your mission to make sure people make the most of their lives and the youth of their senior years. I'm nearing 50 and realizing how hard my wife and I have worked and saved, and how much is left not only on our bucket list but our life experience list. Really good advice here and in your other videos.
facts, Azul. have a couple of employees in their early 60s hanging around when they could retire and enjoy the youth of their senior years. they will not understand until it is gone.
I follow the “3 Phases of Retirement” : The Go Go years…the Slo Go years…aaaaannndd…the No Go years… I’m running wild now in the Go Go years…hallelujah!
Happening to my parents right now. Mobility became limited and health as well. Trips were postponed for not. And all this is exponential. I see it happening and fast.
This is very hard to do. It probably seems easy to most but being a saver all your life and then spending a lot just goes against your nature developed over your entire lifetime. What I recommend is to work hard to maintain your health all your life so that you can have more healthy years. One other factor is providing a healthy retirement for your heirs. The thing is that RMDs are already a natural pressure to convert tax-advantaged funds into something else in your 60s so that you don't wind up with massive tax bills in your seventies.
Retire a little as you go along, just in case you don’t live to actually retire. It’s sad to work 6-7 days per week for 40 years, then die, unless you absolutely positively *LOVE* your job.
My kids kept telling me spend your money so this year I did. Not all of it of course but have finally got rid of the anxiety of decreasing my funds. Thanks for the reassurance!
Spending is the #1 thing we can control. Not spending enough is almost as bad as spending too much! Use planning tools that give you control over things like spending patterns during retirement.
Most people don’t realise it, but the secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.
Haha. Investing enthusiast? Not really. Our family got introduced to a financial advisor about four years before my dad retired. That was what changed things. I've been using the same now and I think my retirement income would be on the right track.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Finding financial advisors like Stacy Lynn Staples 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.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
I own 2 laundromats in low income areas. I work about 25 hours a week and gross about 240K a year. whilst working with an advisor like Julianne Iwersen Niemann. I used to work in Sears repairs,, so I saved money by fixing my own machines. Believe it or not, the soap detergent vending machines bring in a good amount as well. Trust me starting and maintaining a profitable business starts with properly managing your finance.
Laundromats are easy to operate...I know this lady you mentioned. I bought a laundromat from a friend many years ago who retired overseas. Repairs are costly. Try to at least learn the basics. I have bill acceptor machines to exchange for tokens, much better than counting and hauling quarters . My locations are near low income housing and apartments, which are very good for business.
I owned 3 laundromats in SF. The biggest 3 issues? The Lease, the lease and the lease. Got screwed by two owners that didn't renew the lease. If you own the building, different story. Probably, it will not be bad to work with your advisor
thanks for talking about your situation. Definitely helps a young and desperate poor guy like me to stay encouraged in striving to achieve my first ever owned business ... 240 gr. < - electric, water, mechanical, supplies, janitorial, city taxes, county taxes, insurance, business license heat, cooling costs & misc.. = ? . these taxes really want to make me work with a CFA. so that i can know how to joggle my way through. how do i reach her
Julianne Iwersen Niemann has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you need an excellent collaboration.
Thank you for sharing, I must say, Julianne appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
![ทุกครั้งที่หลับตา (Lucid Dream) - AYLA's [ Official MV ]](http://i.ytimg.com/vi/4i1OBAQyv58/mqdefault.jpg)
The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.
Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.
Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.
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.
Melissa Terri Swayne is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I appreciate it. After searching her name on the browser and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
My husband and I 68;65)believe this fervently. So grateful to be on the same page. This weekend we have the grands (7 and 2); next week we head to Barcelona to start a 2 week cruise. Life is good and it flies by. Enjoy it.💜
Retirement planning is a lot harder now than it used to be. It’s all about finding the right balance between your risk tolerance and your long-term goals. You might want to consider working with an advisor who can help diversify your portfolio to reduce risks
Good point. I’ve used an advisor before, especially after losing a lot during the market crash in early 2020. Since then, I’ve been cautious but still managed to grow my investments. I’m semi-retired now, working only about 7.5 hours a week, and I’m roughly 25% shy of my $1M goal. But I need better guidance for these next steps
Thanks for sharing that. I’ve been trying to manage my portfolio myself, but honestly, it’s not working out. I think I need professional help. Do you have any recommendations for a good investment advisor? Someone who’s reliable and knows the ins and outs of planning for retirement?
I’ve mostly handled my own investments, but it’s starting to feel overwhelming. A professional could really help streamline things, especially when the stakes are so high
I can recommend Joseph Nick Cahill. He’s a highly respected CFA with years of experience helping people optimize their portfolios. Whether it’s long-term growth or short-term strategies, he knows how to make a difference. The best part? He offers free consultations, so you can see if his approach works for you before making a commitment
Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon
I am currently in my 50s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $380k in a savings account that i want to invest in a non-retirement account. Where should I invest it now?
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
I'm thinking of trying out an advisor, how can one reach a decent advisor like the one you use?
Finding financial advisors like Sophia Maurine Lanting” 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.
thank you for this tip , I must say Sophia, appears to be quite knowledgeable. After coming across her online webpage, I thoroughly went through her resume, and I must say, it was quite impressive. I reached out to her, and I have booked a session with her.
Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments.
It’s really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It’s a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Ricky! Imagine i invested $50,000 and received $190,500 after 14 days
Absolutely! Profits are possible, especially now, but complex transactions should be handled by experienced market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Ricky Wen.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
nice! once you hit a big milestone, the next comes easier. How can i reach him, if you don't mind me asking?
Azul, thank you for your mission to make sure people make the most of their lives and the youth of their senior years. I'm nearing 50 and realizing how hard my wife and I have worked and saved, and how much is left not only on our bucket list but our life experience list. Really good advice here and in your other videos.
facts, Azul. have a couple of employees in their early 60s hanging around when they could retire and enjoy the youth of their senior years. they will not understand until it is gone.
So difficult to turn from saver to spender.....
Sooo true..im Australian and have the same issue.
I love your advice and videos. Thank you for sharing your wisdom Azul!!!
I follow the “3 Phases of Retirement” : The Go Go years…the Slo Go years…aaaaannndd…the No Go years…
I’m running wild now in the Go Go years…hallelujah!
Love your comments!!! Keep them coming!!
Happening to my parents right now. Mobility became limited and health as well. Trips were postponed for not. And all this is exponential. I see it happening and fast.
This is very hard to do. It probably seems easy to most but being a saver all your life and then spending a lot just goes against your nature developed over your entire lifetime. What I recommend is to work hard to maintain your health all your life so that you can have more healthy years. One other factor is providing a healthy retirement for your heirs. The thing is that RMDs are already a natural pressure to convert tax-advantaged funds into something else in your 60s so that you don't wind up with massive tax bills in your seventies.
Retire a little as you go along, just in case you don’t live to actually retire. It’s sad to work 6-7 days per week for 40 years, then die, unless you absolutely positively *LOVE* your job.
My kids kept telling me spend your money so this year I did. Not all of it of course but have finally got rid of the anxiety of decreasing my funds. Thanks for the reassurance!
Love the dock squeak. Thanks for the vids…
Spending is the #1 thing we can control. Not spending enough is almost as bad as spending too much! Use planning tools that give you control over things like spending patterns during retirement.
Most people don’t realise it, but the secret to retiring comfortably is finding a way to make returns while your money works for you. My dad, as I remember, started saving for retirement quite late, but I know he was making more than 10k returns from his investment monthly and it was completely passive.
This is really amazing though. I'm curious as to how he did it. Was it real estate? Or he was a market enthusiast?
Haha. Investing enthusiast? Not really. Our family got introduced to a financial advisor about four years before my dad retired. That was what changed things. I've been using the same now and I think my retirement income would be on the right track.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Finding financial advisors like Stacy Lynn Staples 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.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
I own 2 laundromats in low income areas. I work about 25 hours a week and gross about 240K a year. whilst working with an advisor like Julianne Iwersen Niemann. I used to work in Sears repairs,, so I saved money by fixing my own machines. Believe it or not, the soap detergent vending machines bring in a good amount as well. Trust me starting and maintaining a profitable business starts with properly managing your finance.
Laundromats are easy to operate...I know this lady you mentioned. I bought a laundromat from a friend many years ago who retired overseas. Repairs are costly. Try to at least learn the basics. I have bill acceptor machines to exchange for tokens, much better than counting and hauling quarters . My locations are near low income housing and apartments, which are very good for business.
I owned 3 laundromats in SF. The biggest 3 issues? The Lease, the lease and the lease. Got screwed by two owners that didn't renew the lease. If you own the building, different story. Probably, it will not be bad to work with your advisor
thanks for talking about your situation. Definitely helps a young and desperate poor guy like me to stay encouraged in striving to achieve my first ever owned business ... 240 gr. < - electric, water, mechanical, supplies, janitorial, city taxes, county taxes, insurance, business license heat, cooling costs & misc.. = ? . these taxes really want to make me work with a CFA. so that i can know how to joggle my way through. how do i reach her
Julianne Iwersen Niemann has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you need an excellent collaboration.
Thank you for sharing, I must say, Julianne appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
We have no debt at 58 and our bills are 9 percent of pensions. This is before SS and IRAs kick in. We are looking forward to giving it away.
😀 surf 🏄 y aprender español in 50s👍🏻
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated..
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $200k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
I don’t want to do anything azul. Except stop hearing your generic crap videos
Leave
Love the dock squeak. Thanks for the vids…