5 Roth IRA Mistakes That Cost You $$$
ฝัง
- เผยแพร่เมื่อ 14 มิ.ย. 2024
- Let's discuss the 5 most common mistakes when it comes down to the Roth IRA and investments in it. A Roth IRA is an individual retirement account where your gains are Tax Free.
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Timestamps:
0:00 - Start
1:22 - Roth IRA vs Traditional
2:30 - Skipping out on a Roth IRA
5:14 - Know your Contribution
6:59 - Withdrawing Early
8:20 - Speculative Investments
9:52 - Overcontributing
Mistake #1 - Skipping out on a Roth IRA
A Roth IRA is really flexible, in that you can carry it with you wherever you go, and since the earnings are tax free, and traditional 401ks arent, it's less flexible in that regard.
Also with a Roth IRA, you can choose WHATEVER you want to invest in. Versus in a 401k - you have to go with whatever funds or investments that your employer has chosen through their 401k provider, which typically are mutual funds with higher expense ratios (fees).
Mistake #2 - Know your Contribution
So in order to have a Roth IRA, it's worth mentioning that you need what's called Earned Income.
If you earn over $140,000 a year individually, you can't contribute to a Roth IRA. as a couple, if that's more than $208,000 together, you can't contribute.
You can contribute up to $6000 a year, $7000 if you're older than 50.
Mistake #3 - Withdrawing Early
When it comes to a Roth IRA, you can actually withdraw any direct contributions you make to your Roth IRA at anytime without any penalties.
However, earnings - or the profit you make on your investments within your Roth IRA follow a different type of rule - and often result in a 10% penalty.
Mistake #4 - Speculative Investments
This mistake is one that many people might make because of their dreams of getting rich quickly. If you're a frequent watcher of my channel, you'll know that i prefer a lower risk, get rich slow type of mentality.
When it comes to your retirement account, these are funds that you ultimately don't want to be taking too much unnecessary risk with, because of the power of compound returns, we know that as long as we're contributing to our retirement account, and even earning the average return of the S&P 500 of 7-8% will make us a million dollars by the time we retire.
Mistake #5 - Overcontributing
So this is a mistake that might happen to you if you have more than one IRA - yes you can have more than one IRA, the contribution limit of a Roth IRA is $6000 a year in 2021, and that's across all the IRA's you have.
If you accidentally contribute past the $6000 limit, youll be taxed at 6% per year until you correct it.
So if you find yourself in a situation where you actually contribute too much, what you want to do before you file your tax return is to take out any of the excess contribution + the earnings on it out of the account.
www.irs.gov/retirement-plans/...
That's actually one of the more rare mistakes when it comes to Roth IRAs, but it can cost you a lot because if you aren't cognizant of it, you'll owe a 6% penalty on it EVERY single year that the mistake is in there.
That's why it's important to always check on your Roth IRA periodically, especially if you have more than a few, and always track how much you contribute to it.
▶️ My name is Humphrey Yang, I've built multiple businesses and am passionate about Personal Finance. If you're trying to build a solid foundation of financial literacy, learn to invest, or become financially free - then I'm here for you! This channel cover topics like getting out of debt, managing money, building credit, multiple income sources, passive income, etc.
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The best way to find that balance between saving and living is by investing, This way you get
to have your saving intact and then live comfortably off the revenue coming in from
your investments. Financial freedom is possible, you just need to know
what to do and when to do it. I am a living testimony.
They say with Roth IRA, the money you are contributing has already been taxed. At any time for any reason, you can withdraw your contributions tax-free and penalty-free. So can i put a portion of my 5%(HYSA) in index funds? I also have 400k in an annuity. How do i maximize all this to make gains this year?
Consider hiring financial advisors, estate planners or tax experts. They can provide specialized knowledge and help you navigate complex financial decisions. Right now treasuries and HYSAs pay 4.5-5% risk free, do that.
I’m also closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years.
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?
I appreciate this. After curiously searching her name online 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 biggest mistake was procrastinating and not starting one as soon as I was eligible. It's really not that hard to open an account and manage yourself. And you can also have your brokerage manage it for you. If I started it as soon as I turned 18, I would have a LOT more. If you're reading this, start now.
Can't agree more.
Hello. So I’m in my second year of college and I don’t have a regular full time job. Starting a Roth IRA I would love to do but as the video and the rules state I can’t have a Roth IRA until I have a stable income. Should I wait until I graduated college with a stable income before I start a Roth IRA?
@@oatmeal11 I think you can still open a Roth IRA if you have a part time job. If you dont make any earned income at all, then you cannot. Do you have any job at all or are you just a full time student?
@@rufus5208 I do have earned income. I have a full time summer and winter job in a factory when I am not in college. That generates a decent amount of earned income. I also currently have 2 part time jobs but will likely leave those 2 part time jobs fall semester 2022 while keeping my full time summer and winter job.
@@oatmeal11 oh dude you're set. I would go to a brokerage of your choice and telling them you want to open one. They'll help you out and double check to see if you truly are eligible, which, from what I know, you should be. Try to max your limit contribution every year.
Kindly don't make the mistake of ignoring the Like button. The Like button must be HIT! Here's what's in MY Roth IRA: th-cam.com/video/gvK0dd4lUc4/w-d-xo.html
My man, your videos are simple and easy to follow. Love the structure and I look forward to future drops!
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
I’m 32 , I’ve been saving for retirement for 7 years and counting
Welll done!
Congrats!! I started when i was 24. Im 25rn. Still trying to get the hang of things lol
@@JimBobe me as well ! Congrats to everyone taking their financial security into their own hands & I wish you all well !! Keep growing and learning
I know I won’t be able to even begin until I’m at least 25
@@alexmaria2929 Sell everything you don't need and save everything you can until then and hopefully have a good amount to start out with. Do you have a traditional IRA with matching at work?
Retirement arrives sooner than expected for many people: health reasons, layoffs, family obligations, etc. Great advice to be consistent over long period of time.
Well said
Really needed this video! Thank you! Love learning about retirement investing and other long term investments.
Been watching your videos and was looking to set up my Roth... Perfect timing for this!
Daddyland 😎
Thanks for the great video. It was my first time watching your channel. Great information.
Your videos are so helpful! Thank you so much Humphrey!
Thankyou for unselfishly sharing such useful info !!
Thank you Humphrey, for the valuable info!!
Love the content! It’s very simple and easy to understand
Thx Peter!
Hi Humphrey! Great videos and great job! I am particularly impressed with your insight and so focused. 👍
Awesome, thank you! I appreciate you watching
Thank you for what you do! Definitely appreciated
I appreciate that!
You’re the best TH-camr I’ve seen as for things such as this. Thank you so much!
thank you Kaylyn!
Happy New Year, Humphrey. New viewer here and loving the content so far. A few questions for you: 1. Does the 140k income as an individual only consist of your salary or do things like employee stock (ESPP, RSU’s, etc) count towards this? What is the penalty if you contribute to a Roth IRA but exceed that 140k limit? Does having a Roth 401k count as having (2) Roth accounts and thus exceeding the 6k you mentioned in your video or is would that account follow the rules of a 401k with the tax benefits of Roth IRA? Thanks so much!
I will be opening a Roth IRA soon, thank you so much for all the info you provide us!
Great content once again! I'm curious: do you have a video out nowadays along the lines of "Top 10 Financial Tips for New Graduates"? Something outlining the best/most neglected financial decisions that could greatly benefit those in the young adult population (i.e. things to know before starting out in the work force). Considering your majority demographic I feel that would be very well received, so if it doesn't exist I'd love to see something like that! :)
That sounds like a great video topic lol 😂 might have to consider it. I appreciate that awesome comment
Such a great great like always, thank you for your all efforts.
Thanks again!
If you qualify for a ROTH IRA, then forget the regular IRA. Better to pay income taxes now than later as taxes will rise over time. And never buy penny stocks. Good video.
It doesn't matter if income taxes rise but it matters if your income tax rate rises. Do you actually have any idea of how much the average American has saved in retirement accounts? The average American will not have a tax problem in retirement.
Why wouldn't your advice big to pick the one that makes the most sense for my situation? I strongly suggest you use a tax calculator and plug in the numbers of your estimated retirement withdrawals into it
Your videos explaining all of these complex info on retirement investing is like a well written essay.
Very organized and well explained through and through.
Thanks Mr.Yang!
best breakdown on youtube of this topic, thanks so much. subbed
Awesome, thank you!
Good timing, just looking into opening a Roth IRA!
hell yea!
Me too
SAME! I'm turning 27 this year and I'm not getting any younger haha
Opened my Roth IRA at the start of this year (confidently because of how much I've learned from this channel) and this was a great vid with a lot of helpful reminders and knowledge. Thanks so much Humphrey!
Glad to help!
@@humphrey where to start which bank o investment company is better more secure?
Hope you had a good first year on your Roth!
Great tip on the backdoor Roth! I had been using it for the past 7 years since my salary bumped past the limit. Despite this I definitely am guilty of doing speculative investments with my Roth, so defeated and withered my account away with penny stocks and options. So so stupid. Lesson learned the hard way. Starting from scratch in Roth. I am now 37, so I have 25 years before I retire. Hoping others see this and don't make my mistake especially the younger investors out there. What he says here is real and golden. Thanks for the video.
Wow great video great advice i learned alot. You have earned a new subscriber Cheers mate 🍻
Great vid bro! Very informative! Thank you.
Thank you for the advice. You are great! 😃😃😃
i set up a roth ira with fidelity. Thanks man
Love your videos, keep them coming
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
Hey, thanks for your content! I'm really appreciating and benefiting from it.
One recommendation: You recommend your three fund portfolio recommendation video. While I was able to peruse your channel and find this video, I would simply recommend linking in the description all videos you make reference to in the body of this video.
Again, really enjoying and learning from your content.
Thanks!
GREAT content. I’m just getting serious about my retirement and educating myself on all options available to me. I appreciate your authenticity. You were one of the first accounts I followed on TikTok. Don’t know why it took me so long to subscribe to your YT, but I’m here now 😆 keep up the great work!
Loveeee these tips!
Love your videos!! They help so much :)
I'm so glad!
Thanks Humphrey!
boom you're welcome!
Thank You! This is a great video. 👍
I opened my Roth IRA a couple months ago and this is solid advice for me. Thanks!
Glad it was helpful!
What brokeage account you use?
Right, which brokerage did you use and what did you buy? Index funds? Mutual funds? ETFs?
With Roth IRA, the money you are contributing has already been taxed. At any time for any reason, you can withdraw your contributions tax-free and penalty-free. Additionally, any earnings on investments can also be withdrawn tax-free and penalty-free, Not sure how much to contribute, I'm still at a crossroads deciding if to liquidate my $338k stock portfolio.
For the average person, the strategies are fairly demanding. In actuality, most professionals who have the necessary abilities and knowledge to complete such occupations do so successfully.
Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $800K within a short time
@@martingiavarini Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
@@martingiavarini Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds.
@@martingiavariniindex funds out earn over 90% of professional advisors.
just subscribed. Good information.
Humphrey, I predict you’ll 3-4x your sub count this year. Content is too good
Let's golf, Humphrey! Love the channel btw
These videos are so great. Humphrey, could you do a video on Roth Conversions? How to do it? When to do it?
Great educational video!!!
Lots of good info here thanks 🙏🏼
Glad it was helpful!
2 minutes into this and I can tell it’ll be a banger
W.A
1==6==1==5==4==7==5==8==2==4==9
F.o.r, e.x.p.e.r.t
Such a great video, just opened my Roth IRA a couple months ago and have started making smart long term investments for my retirement
Thank you mr yang. Got into this cause of the meme stocks but after doing research and learning, this beats sports gambling. Will use my winnings from that and off season savings to my Roth IRA! I wish I knew about this while I was in the service. Will be watching your videos dude
I've made the #1 mistake. I'm now in my early 30s and just opened one recently. But, I guess better late than never.
I started seriously at 40. Made mistakes in my 20s and 30s. I’m smarter than ever now.
Great content! thank you. I am thinking for my ROTH IRA the following scenario: VTI, BND, & VXUS. Please let me know your thoughts. I also like your advice on REITs so what do you think of adding VNQ or O as 5% for each? Thanks!
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
Thanks for the info! Can you please make a video detailing real estate investment?
I think I have one on my channel "Real estate vs stocks" but I can make more in the future.
Another great video, new subee. Thank you
1. Not using/ “skipping” a Roth IRA
2. Not understanding contribution
3. Withdrawing early
4. Speculative investments
5. Contributing too much
Basically, do it.
Love your videos, Humphrey. I’m 20 and have already contributed for the last 3 years. We’re gonna be some really rich old geezers :)
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
Great video, can you do one on the current Silver craze?
looks like SLV died down, it was just a meme / media manipulation i think
Hey Humphrey, awesome content! I was wondering if scholarships count as earned income and also if short term capital gains can be contributed to the Roth IRA(bc the video just said capital gains don't count but I wasn't sure if you meant long term, short term, or both)
Great question. Any capital gains, doesnt matter if its long term or short term. In terms of scholarships, Google says: "But what's important is that you're paying income taxes on these funds. 2 When you do so, you can usually use that income to justify a Roth IRA contribution."
@@humphrey thank you! I’m am curious since you said that, how do professional day traders find income to contribute to their Roth? Just through some external income? Great work on these videos!
Scholarship do count as income and are subject to taxes but only the amount that isn't used for tuition, books, and fees.
If it's a taxable scholarship, yes. If not, then no. And yes, there is such a thing as a taxable scholarship. It's not common, but they do exist.
Mistake 2, I would add don't forget if you sell a investment property that can easily push you out of the roth IRA income limits.. that happens to me one year. I had made the ROTH contributions in Jan then in Dec sold the property.. tax assistant helped me fix it IRT paying taxes and fees etc..
Roth contribution should be prioritized early on over a 401k while the investors income is lower at the beginning stages of their career (12% federal tax bracket). 401k contributions should be made to lower modified adjusted gross income and lower your federal tax bracket. When closer to the retirement age (50+) and higher income (40k+), 401k contribution is generally more desirable than Roth contributions
subscribed, months ago... you're so funny and yep, not gonna change my mind--at this point. lol.
Hey Humphrey, question. I currently have a Roth 401k at work (i invest 7% of my wages towards it with a 5% being matched by my employer) and i also have a separate roth IRA and traditional IRA with vanguard. Currently contributing to my roth IRA with vanguard and i transferred money form a previous IRA account into my traditional IRA account but not currently contributing to it. What do you think of this?
And also what do you think of target date funds as opposed to manually investing within the roth IRA?
Roth and trad iras limited to 6k combined annually. Good to have tax diversification. The trad lowers your taxes this year, the Roth when you withdraw. Targets date funds are ok, no bonds in the Roth. Total market or an s&p 500 index funds better for the Roth. Let that puppy grow
essentially what Ricky AZ said, you can have both for the tax diversity, and you can only contribute 6k a year (combined roth / trad). Agreew ith Ricky's points here.
great response Ricky.
Great job! I just helped open a ROTH IRA for my mom.
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
Solid drop man
Appreciate it!!
I'm all about that "get rich slow" 🐌
Lol, keep rolling
I do not mind getting rich fast but I know getting rich slow is a lot more feasible.
Thank you for the video. I have a question, I have been working abroad the last two years and have recently moved back to the US and am unemployed. I want to use the money I saved abroad to open a Roth IRA. This was my salary and is not unemployment, can I use that to start a Roth IRA?
Hey Humphrey, love your videos. When you speak about 401k max out your referring to the years max contribution to the 401k and not just the match % correct?
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
@@bransontay.9232 huh?
@@vincentvitulli That's not him.
Curious if you would do a video on what college seniors should be doing before entering the workforce, IRA's? Credit Cards? Risky Investments?
One important detail that I cannot seem to find in the video is that there is a phase out for contributions before you hit your income limit. For instance, as a single tax filer you can contribute $6,000 until your adjusted gross income hits $125k. After that there is a reduced amount until you hit zero allowable contributions at $140k.
*_Back_** **_door_* Roth IRA ($6,000) is still available for those over the income limit.
@@alrocky what is income limit? Thank you
@@loctruong9614 Singles making less than $129,000 MAGI may contribute $6,000 and over *$144,000* MAGI may not contribute at all. Information for MFJ and others available at IRS site.
I have a Roth IRA and a traditional IRA. Is the $6,000 limit for both of those combined or for each one separately? And if it’s for both combined how do I fix this mistake before the penalty hits? Thanks.
I really like Acorn Roth IRA. Very easy to use.
I love the clarification that any form of retirement investing is a great place to be and progress is progress! This releases so much of the pressure that we need to constantly push all limits all the time. I appreciate you for that 🙌🏼
Saving and investing goes along side. Those who are able to identify aside key stocks are therefore likely to boost their investments this year.
This is the time to invest more money like never before, for stock market, these are the best times.
It's never too late to start investing. The best time to invest in stocks was always yesterday and the second best is always today.
Making the decision to embark on my investing journey really set me up for greater financial independence
Good for you Mike, I started my investing journey 4 month ago, it’s been one hell of a ride. The stock market has its disadvantages, or I guess I haven’t been investing right.
@@derrickadams8416 To achieve higher returns in the stock market, besides doing more homework on the companies you wish to buy, it is often necessary to have an expert whose well grounded on the pros and cons of the market that can thus help you invest your assets to more profitable ventures.
I'd also add not setting up DRIPS whenever possible.
can you please make a video about the difference between roth 401k and roth ira? Thank you
Please correct me if I'm wrong but from my understanding when you withdraw an amount you contributed from the Roth IRA that is tax free but the the gains from the account is taxable. And if you withdraw early you are subjected to a 10% penalty
No matching contributions for my 403b.. My employer should've mentioned this before introducing all these financial institutions for us to sign up for one. Now great portion of my money is in this mutual fund with high expense ratio ugh! Feels like I can save much more by investing in index funds and individual stocks in my Roth IRA and brokerage accounts. It took some years and lots of money for me to finally figure out how I want to invest for retirement. I hope I can go back to my first year of work 🙄
Does the 6k limit apply to all IRAs total? Or only Roths total? What if I have a simple ORA through my employer and my own Roth?
Thanks for the explanations. Now a question. I am 65 and retired. I want to withdraw a small amount from my Roth. The Roth is less then 5 years old. The funds in the Roth came from a regular IRA in the form of mutual funds and bonds. Can I withdraw tax free ?
If you paid the taxes when you rolled them into the Roth then I would say yes
My biggest mistake was taking out contributions. That unfortunately, can’t be undone. I do think they should change that. I think it should be $6000 per year and increasing annually while inflation increases, but I also think that you should be able to go back and contribute to prior years which you didn’t contribute. I feel like it’s kind of dumb that they wouldn’t allow this. It’s like playing catch up.
They actually do just that, after April it will go up to 6500 a year.
Yes it goes up yearly but I agree that it's stupid you can't contribute to past years and how much you want..why is it anybody's business how much someone can afford to contribute?
@@adaywithaleks6556because of how good of a deal the Roth IRA is, they have to set limits so that it can stay that good. Without limits the whole thing could get f’d up
Hey Humphrey if we addicentally withdraw our earnings for the year of 2020, are we still able to recontribute that amount?
The contributions you mean?
Hey I have a question. I’m a college student but I work full time in the summers and I only work a little during the school year. Is there a minimum yearly gross income amount I have to achieve to be able to open one? Is it okay if I’m not working for some of the year as well?
I started one back in 2019 when I was 17 but I wasn’t aware that you could invest your Roth IRA I made it with my bank and I figured it was just a fixed interest that they’d give me how does that work? Should I rollover to a brokerage or what advice would you give me?
Yeah roll over to a brokerage is a good idea.
@@humphrey thank you for the quick response, love your videos btw I appreciate them a lot
I love using M1 Finance to invest in my long-term IRA
Not only did I get to set up my pie with the ETFs and stocks that I want, it’s got a cash threshold to act as a pseudo-savings
yeah M1 would be great for that.
What did you buy? ETFs? Index funds?
Third party sick pay reported in box 1 on a W-2 also make you eligible to contribute to a IRA/Roth IRA account as well.
Great informative videos! I opened my roth while working. My 2 questions are, can I sell stocks in my brokerage account at a loss and move those funds to my roth? If I stop working, can I still contribute to my current roth from funds I receive from my pension or an inheritance? Thanks!
Q1 If you (or spouse) have earned income (a job) you may contribute to Roth IRA. It doesn't matter where the money you actually use to fund the Roth IRA comes from.
Q2 See above.
Hi! How do I choose a brokerage to open a Roth IRA with? Do you have a review of the best companies to open an IRA with?
Thanks for the review. +1 (3*-*2-1*) 2--0,0-*1-7'"4"1
W*h*a*t*s*s*a*p,
I have a roth IRA. And my company also offers a roth 401k. And a pension. Im hoping I'm covered at retirement haha.
I think you’ll be good as long as you consistently invest over time
are you able to do both a regular ira and roth ira?
Younger viewer here and I was curious, If you were in high school how would you invest so that you also have money for college? (like would you go for just keeping the money for a year and using it to have a smaller initial loan or would you invest it now and use it near the end of college to pay back loans?)
Probably invest it now so it can grow to more toward the end of college. You can also use that money to start a side business in college
I've got somewhat of an aggressive Roth IRA 60% index funds, mostly Vanguard but some tech, clean energy funds. But then i own some stocks like tesla, Citi, Alibaba, Apple to name a few. I like the potential at larger % gains long term than just index funds. Thoughts?
still a senior in high school and im so glad im already thinking about retirement
You can become a millionaire for 500 a month Kev. Just don’t live like one
@@kevintierney5711 I’m living wayyyy below my means and tracking every cent, so I’m excited
Thank You for your help. Question: if my company matches up to 4% should I just contribute that much or more. I also have a Roth and try to max it out every year.
Here is the general rule,
1. Contribute up to the company match of 401k
2. Max out HSA
3. Max ROTH IRA
4. Max 401k
@@norm553 please explain number 2 and number 3, thank you
@@loctruong9614 HSA = Health Savings Account which may or may not be available to you from your employer. If you don't have access to HSA get a FSA (Flexible Spending Account). Anyone who works or has spouse who works may contribute maximum of *$6,000* to Roth IRA.
@@norm553 4. Max Roth *
I have a “employee pre-tax” and “roth” according to Voya Financial. Im 24 and chose to invest in the 2060 retirement index fun.
I have 5% going to pre tax and 6% going to roth.
Are these good? Im very new to all of this!! With these numbers, i have $450 every month going to my pre-tax/roth. My employer will match me at 6%
Please let me know if i should change anything
FIRE GOLFer here - and very few understand why I've decided to "not work" so early in life.
I work for a catholic nursing home for the intellectually disabled that's church and state funded. They offer us 403b's which basically means if I put $1 in I get $1, they don't match it, half match it, no stocks to offer.. so thank you for this video! I need to start investing asap
Ive been thinking of retirement since I started as a nurse. My best investment was buying NVAX at $12 bucks inside my ROTH
Amazing
I bought Ehang at $11.19 in my Roth. Now at $124.00
@@ejcm55 now at $63
@@loydsmith7297... And I bought more. Life is good.
@@ejcm55 Yesir buy the dips, they will be worth 100+ easily long term
I have a young son, do you have any suggestions on accounts to save for his college?
Hey, I’m part of the 0.6%. Lucky me
Do you have a overall priority list for all avenues of investing? This has been my thought process:
HSA
ROTH IRA (6k limit)
ROTH 401K (19.5K limit)
fun money in my brokerage account
is there anything in that list I should look into more?
I'm almost 50 and I just started 😭
Me too. Im 49 and started a year ago. Wish I started 30 years ago. But money was hard to come by back then. I was also very nervous about investing. We did not have the apps and the internet back then. But never too late!! We still have time. Just have to stay consistent.
The best time to plant a tree was 20 years ago. The next best time is today. Don't worry as long as you are doing it.
@@easyroc75 Thank you
Better late than never! It will be worth it.
@Zio Oren almost 😳👀🙈