Dividend Taxes Explained (And How to Avoid Paying Them)

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  • เผยแพร่เมื่อ 22 ธ.ค. 2024

ความคิดเห็น • 149

  • @rynewilliams
    @rynewilliams  2 ปีที่แล้ว +186

    Do you invest in a Roth IRA or any other type of retirement account? Let me know in the comments below! 👇

    • @Immabeast714
      @Immabeast714 2 ปีที่แล้ว +5

      Hey Ryne! (in a perfect world) I max out my contribution to my 401k up to my employer's match. Then I move to maxing my Roth IRA. Everything after that goes into my dividend growth portfolio.

    • @girldaddividendinvestor
      @girldaddividendinvestor 2 ปีที่แล้ว +2

      Just maxed for '22! Second time ever. Such a cool feeling.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      That's a great strategy my friend!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      That's so awesome, good for you! Hoping to get on your level and do that in '23

    • @bpignacio
      @bpignacio 2 ปีที่แล้ว

      Thank you for the reply, Ryne. No, not the Roth IRA. I forgot to mention I’m in Canada so what I have is my RRSP. I haven’t bought any NLY or AGNC yet but I did buy MPLX. I think it has a 9% dividend yield but it’s not a growth stock. I’m older so I might need a good cash flow. Thanks again, Ryne.

  • @NolanGouveia
    @NolanGouveia 2 ปีที่แล้ว +33

    So much good information Ryne! Bring on the taxes because if I’m paying more taxes that means I’m making more dividends!! Great job explaining the difference between qualified and ordinary dividends 👊 and that ROTH IRA is the real hack. 🎉🎉

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +2

      Dude very well said. That is the silver lining of paying more taxes 😂

  • @freelancingartisan
    @freelancingartisan 11 หลายเดือนก่อน +3

    Slick audio set-up -- in conjunction with your informative professionalism. Thank you for posting.

  • @JohnK.11
    @JohnK.11 2 ปีที่แล้ว +6

    Found your account on Twitter and you have quickly become one of my favorite channels!!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thank you my friend! Appreciate you hopping over to YT to check out the channel

  • @miguel_1213
    @miguel_1213 2 ปีที่แล้ว +5

    Just in time, Thank you, very valuable information

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Thanks for watching my friend!

  • @TheIvyLens
    @TheIvyLens 2 ปีที่แล้ว +6

    I just came across some fun info. The distributions on BST, a somewhat comparable vehicle to JEPI, are classified as long term capital gains which is highly favorable.
    Another fun fact is that margin loan interest can be itemized if the funds are used for investment purposes. So you could theoretically yield the difference between the cost of the debt against the yield of a closed end fund and build this massive portfolio that just churns, rinse and repeat, where the debt you take on is yielding a higher return than the cost of the debt. Hella risky but fun to imagine.
    So if you take on the debt during a high rate environment you can write off the rate while you build the position.
    Reminds me of how banks sell our loans and pocket the difference.

    • @TheIvyLens
      @TheIvyLens 2 ปีที่แล้ว +1

      @@bizzzzzzle it’s nominal, theoretical, but doable. M1 rates are currently 5.75% whereas BlackRock closed end funds/trusts like BST, BSTZ, and BIGZ are well above.
      Shorting, Options, House flipping can be easy too but not everyone is doing it, just to counter that last remark.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +2

      Dude good research! I would’ve never known that about margin loan interest

  • @Gruder47
    @Gruder47 2 ปีที่แล้ว +7

    Very informative! Thanks for the info Ryne!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thank YOU Gruder, I’m glad you got something out of this one 🙌

  • @delliott777
    @delliott777 2 ปีที่แล้ว +4

    Awesome video. What do you think about a future video, to discuss various quality REIT’s? Things seem to be changing rapidly…
    Great video!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Yea I think that'd be a great idea. I can try and make one of those next month. Which REITs do you think would be worth talking about?

    • @stevedancause1329
      @stevedancause1329 2 ปีที่แล้ว

      $O Realty Income

  • @InvestindoparaLiberdade
    @InvestindoparaLiberdade ปีที่แล้ว +4

    Hello, I'm from Brazil, I have a wallet there in the United States of 53 thousand dollars. all my dividends are taxed at source at 30%, my question is, do Americans also pay this 30% already at source? that is, when you receive the dividends, do you also have this charge already at the source like us? already grateful.

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว +2

      Hey there! This is a great question. In America, we're taxed at the end of the year, and the tax rate can vary based on a few different factors. For most of us, the tax rate won't ever get as high as 30%, fortunately.

  • @SAGEM1A4Me
    @SAGEM1A4Me 2 ปีที่แล้ว +2

    I've very glad I subbed. I figured the video was going to be like use a roth and rolled my eyes when I clicked the video....yet I learned next year I can go up to 6500 on my Roth now and also a bit about that itemized deduction. Great stuff man keep it up!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Haha thank you my friend! I’m very glad to hear that this exceeded expectations. Appreciate you taking the time to watch 🙌

  • @davidclark155
    @davidclark155 2 ปีที่แล้ว +4

    You still have till April to max out for this year for your roth.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thanks David! I forget about that haha

  • @DavidSmith-lp5tz
    @DavidSmith-lp5tz 2 ปีที่แล้ว +2

    Nice overview. Two things: 1). You said that Roth IRA withdrawals were qualified dividends. My understanding is that Roth withdrawals are not taxed regardless. 2). Could you run those numbers with social security and a pension?

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +2

      Thanks David. I don’t believe I said Roth withdrawals were qualified dividends. If I did that was a mistake

  • @RustMoments
    @RustMoments 2 ปีที่แล้ว +4

    does SCHD pay qualified dividends?

    • @seansavona545
      @seansavona545 2 ปีที่แล้ว +1

      I believe so

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      I believe they do!

    • @AwakenDF23
      @AwakenDF23 3 หลายเดือนก่อน +1

      I know this comment is 1 years old but wondering if you figured this out? I previously saw someone else comment on another video stating this was taxed ordinary income and was in fact not qualified on their taxes.

    • @RustMoments
      @RustMoments 3 หลายเดือนก่อน

      @@AwakenDF23 just google “does this stock pay a qualified or non qualified dividend” for ETFs it might be different , only securities that pay non qualified dividends are REITs , MLPs, BDCs, and covered call ETFs

    • @mikegiddens9694
      @mikegiddens9694 หลายเดือนก่อน

      From everything I've researched, I've come to the conclusion that SCHD is qualified dividends. I haven't found anything that's definitive 100% factual official YES that it's qualified but everything I've read seems to lean in that direction.

  • @da7135
    @da7135 10 หลายเดือนก่อน +1

    What tool are you using online? Can anyone use it? Can you post the link?

  • @2ryan_X0
    @2ryan_X0 ปีที่แล้ว +1

    What’s your contributions limit to taxable and Roth ? I know you like cash flow now … just asking for my personal portfolios

  • @anthonyswanner1643
    @anthonyswanner1643 2 ปีที่แล้ว +3

    Hey, so since all my dividend stocks/income is in a ROTH, i don’t have to worry about paying taxes?

  • @sshaw107
    @sshaw107 ปีที่แล้ว +1

    Ryne- love your videos and education Sessoms. Any way you can share link for tax calculator? Thanks.

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว

      Thank you! And absolutely, here's the link: www.ameripriseadvisors.com/assets/calculators/Tax1040.html

  • @naturalhonor9818
    @naturalhonor9818 5 หลายเดือนก่อน +1

    What stocks, ETFs and index funds pay out mostly qualified dividends? I'm very heavy in non-qualified dividends and distributions, and want to balance out my portfolio.

    • @rynewilliams
      @rynewilliams  5 หลายเดือนก่อน

      If you're looking for qualified dividends, basically just avoid REITs and BDCs

  • @Bob-ut
    @Bob-ut 2 ปีที่แล้ว +3

    Great topic to discuss. May want to discuss in the future RMD and how that will effect your taxes and accounts. Thanks for your content.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thank you! What's RMD?

    • @Bob-ut
      @Bob-ut 2 ปีที่แล้ว +1

      @@rynewilliams required minimum distributions. At present kicks in at 72. Can be a large tax burden depending on where your money is at.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Ahhh gotcha. There are RMD's for Roth IRA's?

    • @Bob-ut
      @Bob-ut 2 ปีที่แล้ว

      @@rynewilliams not in Roth account or hsa account. Other Ira accounts yes. I’m a firm believer in transferring money from IRA accounts to Roth if you can afford to do so

    • @openfor45
      @openfor45 2 ปีที่แล้ว

      @@Bob-ut The new bill just passed increases the age at which individuals must begin taking required minimum distributions (RMDs) from their retirement account to 73 from 72, beginning January 1, 2023. In 2033, the RMD age will increase again, to 75.

  • @Lcwtex
    @Lcwtex 10 หลายเดือนก่อน +1

    I’m invested in growth, funds of America and I am given long-term and qualified dividends at the end of every tax year. Do I pay taxes on those even if I I do not withdraw those

    • @rynewilliams
      @rynewilliams  10 หลายเดือนก่อน

      Yes you are taxed on any dividends you receive unless it's in a tax advantaged account like a Roth IRA

  • @bestillsounds1210
    @bestillsounds1210 2 ปีที่แล้ว +1

    Does anyone own a Canadian bank, such as TD bought on NYSE? Please explain how those dividends are taxed for Americans? Thanks

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      I’m not quite certain on how they’re taxed but I’ve heard good things about the Canadian banks

  • @top_gun_academy
    @top_gun_academy ปีที่แล้ว

    So if I receive a dividend from my Roth IRA, can I withdraw that from my account?

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว

      If you’re under the age of 59.5 you’ll incur penalties if you withdraw your dividends

  • @javamochafrap
    @javamochafrap ปีที่แล้ว +1

    VOO's yield is 1.6%. Get JEPI (current yield 11.37%)

    • @mikeyis009
      @mikeyis009 4 หลายเดือนก่อน

      JEPI 80%+ non-qualified dividends

  • @robertm.0034
    @robertm.0034 ปีที่แล้ว +1

    Great video. Question: In a non retirement account, are dividends taxed differently if i choose to reinvest vs. cash out?

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว

      Thanks! To answer your question, dividends are taxed the same regardless of whether or not you reinvest them

  • @charlesbailey5579
    @charlesbailey5579 ปีที่แล้ว +1

    Don't have a Roth IRA, and currently my only income is from interest and dividends. Unfortunately, I found out that contributions to a Roth IRA have to be from income reported on a W-2. So, instead, I invested $10,000 in I-Bonds, because I don't have to pay taxes on them until I cash them in, and they are free from state taxes.

  • @samuelzev4076
    @samuelzev4076 ปีที่แล้ว +1

    Does this apply to foreign investors who invest in the US stock market through an international brokerage?

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว

      No it wouldn't

    • @samuelzev4076
      @samuelzev4076 ปีที่แล้ว

      @@rynewilliams so foreigners are still taxed for dividends then?

  • @g.ajemian4968
    @g.ajemian4968 11 หลายเดือนก่อน +1

    Does the 0 taxes in retirement also include dividends from Ira accounts?

    • @rynewilliams
      @rynewilliams  11 หลายเดือนก่อน

      It can!

    • @g.ajemian4968
      @g.ajemian4968 11 หลายเดือนก่อน +1

      @@rynewilliamsis that only a Roth IRA ?

    • @rynewilliams
      @rynewilliams  11 หลายเดือนก่อน

      @@g.ajemian4968 yes, you can benefit from tax free gains and dividends in a RotH IRA

  • @patrick._.npc.
    @patrick._.npc. 3 หลายเดือนก่อน

    As a Canadian, do I pay tax on dividend if it is rolled back in and never pulled out to spend ?

    • @rynewilliams
      @rynewilliams  3 หลายเดือนก่อน

      I'm not familiar with the Canadian tax system, but I would imagine you still would unless you held the stock in an RRSP

  • @chrisballUKtoNZ
    @chrisballUKtoNZ 2 ปีที่แล้ว +2

    and for all foreigners the tax rate is set at a fixed 30%.... no getting out of that one.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Man that's very unfortunate

  • @dividendfire855
    @dividendfire855 2 ปีที่แล้ว +2

    I have a SEP Account
    (Simplified Employee Pension) from my job, that match’s 5% of my yearly salary, only down side is I have zero control on where it is invested ( Mutual funds ) eww.
    But hey I contribute nothing so, free money is free money, can’t really complain.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Haha that’s true. Can you at least see which funds it’s invested in?

    • @dividendfire855
      @dividendfire855 2 ปีที่แล้ว +1

      @@rynewilliams American growth fund ticker AGTHX

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Ahh nice

  • @aguyinarkansas
    @aguyinarkansas ปีที่แล้ว +1

    I have several stocks, some that are oil pipeline stocks, and I receive K-1’s instead of 1099-Div. I think that affected my taxes this year. I’ve got to review it again. Any thoughts? Are they treated differently?

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว +1

      My understanding is that since the distributions are a return of capital, they are mostly tax deferred. But I could have that mistaken

  • @Duke_of_Prunes
    @Duke_of_Prunes 2 ปีที่แล้ว +2

    I am interested in re-opening my position in EPD (Enterprise Products Partners). Big dividend, and the price is currently attractive. EPD is considered a "limited partnership" and issue a K-1 form every tax season. Do you know is that dividend is "qualified" or not? I actually sold my original shares at a $35 loss, so I never filed the K-1 that year.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      MLP’s are interesting because it’s not even technically a dividend. It’s considered a distribution, which is why you get the k1 form. There are certain tax advantages to this that allow you to not have to pay taxes on these distributions. It’s best to keep MLP’s in a taxable account from my understanding

    • @Duke_of_Prunes
      @Duke_of_Prunes 2 ปีที่แล้ว +1

      @@rynewilliams Thanks, Ryne. I am leaning towards EPD because the "dividend" looks sustainable. And, they provide many jobs in my town with their gas storage facility.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      That's cool that they're somewhat local to you! EPD overall is a solid company...I've been happy with it in my portfolio

    • @charlesrivers2647
      @charlesrivers2647 2 ปีที่แล้ว

      @@rynewilliamsbro, I found out something very interesting. You can actually have MLPs in a Roth as long as you don’t make more than 1k a year on that MLP…also, you can put XLE which is the ETF of MLPs..

  • @garyschmelzer
    @garyschmelzer ปีที่แล้ว

    Hey buddy my wife andwe file jointly and don’t make over 83,000 a year. Will I have to pay taxes I do have robbinhood as my brokerage

  • @cshades8026
    @cshades8026 2 หลายเดือนก่อน +1

    Hey Ryne! What is your personal strategy? Do you max out your Roth IRA first and then donate to your taxable brokerage?

    • @rynewilliams
      @rynewilliams  2 หลายเดือนก่อน +1

      I invest in both at the same time. But I do try to max out my Roth IRA

    • @cshades8026
      @cshades8026 2 หลายเดือนก่อน

      @@rynewilliams Appreciate the reply 😁. Do you see yourself adding another ETF or single company to your Roth IRA? Or will it stay SCHD and VOO?

  • @reesen1031
    @reesen1031 5 หลายเดือนก่อน

    Hold up! Whats with the 26k standard deduction?!?! When does that come into play? Is it only when you are retired and have no other income?

    • @rynewilliams
      @rynewilliams  5 หลายเดือนก่อน

      @@reesen1031 no you always have the option to take the standard deduction. In fact I think most people do

    • @reesen1031
      @reesen1031 5 หลายเดือนก่อน

      @@rynewilliams Oh ok, im guessing thats only for people who make over a certain amount of $ in dividends. Because rn I make less than $1k a year in dividends so it wouldn't make sense if I were to have to take a standard deduction hahhaha.

    • @mikeyis009
      @mikeyis009 4 หลายเดือนก่อน

      @@reesen1031Pay a tax guy to do your taxes.

  • @Eli390
    @Eli390 2 ปีที่แล้ว +1

    I think they moved it up to 44,000 also what website is that?

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Ahh gotcha. The website is: www.ameripriseadvisors.com/assets/calculators/Tax1040.html

    • @Eli390
      @Eli390 2 ปีที่แล้ว

      @@rynewilliams thanks great video as always

  • @Arabian_Abomination
    @Arabian_Abomination 2 ปีที่แล้ว +1

    Ryne what do you think about Bonds? They also have decent yields, there isn't a lot of information on how to buy Bonds though

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +2

      I honestly don't know too much about bonds, but yea right now they seem to have some decent yields

    • @CENA896
      @CENA896 2 ปีที่แล้ว +1

      If you buy bonds directly from the government Treasury direct no taxes on state level but only tax on fed level on the interest but if you buy municipal bonds the interest is tax free

    • @CENA896
      @CENA896 2 ปีที่แล้ว +1

      @@calebwert1057 i agree with u just watch on the brokerage firms the fees can add up but other then that you are correct

  • @elonmusk859
    @elonmusk859 ปีที่แล้ว

    If I am non US resident and only got less then 41K Qualified dividends I don't have to pay nothing in US? Right? I live outside all the time

    • @rynewilliams
      @rynewilliams  ปีที่แล้ว

      I'm not sure about non US residents

    • @elonmusk859
      @elonmusk859 ปีที่แล้ว

      @@rynewilliams OK THANKS!

  • @zaalb131
    @zaalb131 2 ปีที่แล้ว +2

    Your SCHD Video got me into your channel because I was deciding how to invest in my HSA. Keep up the good work! I’m about to get a $37k bonus (so $25k after taxes). What would you do if you were in my position? Don’t worry, I have strong opinions of my own and won’t interpret anything as financial advise!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thank you my friend! Happy to have you along for the ride. And man idk what I'd do with an extra $25k, definitely would invest a certain portion of that haha, but that's an awesome bonus. Great job!

    • @zaalb131
      @zaalb131 2 ปีที่แล้ว

      @@rynewilliams thanks, it was very exciting and unexpected! Would you just boost your dividend account, go into something riskier or even just QQQ with covered calls, pay off debt, or upgrade lifestyle with a nice vacation/travel, upgrading phones, eating out more, etc?

    • @striperkid
      @striperkid ปีที่แล้ว

      If I had an extra $25k, I'd look into my investments and DCA on any stocks I wish to build on. Kinda spread it around in the portfolio but also leave a chunk on the side for bad market days.

  • @ronaldwhite6476
    @ronaldwhite6476 ปีที่แล้ว

    What happened to my 35% rate

  • @HosBoba
    @HosBoba 2 ปีที่แล้ว +1

    But if you take your divi $$ and reinvest that $$ to buy more of the same stock , you have to pay taxes at the end , and thats the part I hate ,

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      I hate it too, nothing we can do about it unfortunately

  • @geraldclough2870
    @geraldclough2870 2 ปีที่แล้ว

    He leaves out other income, which most have, not to mention social security which all older have.

  • @danieldeweerd6752
    @danieldeweerd6752 2 ปีที่แล้ว +2

    But Sascha said dividends were tax inefficient

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Who is Sascha?

    • @danieldeweerd6752
      @danieldeweerd6752 2 ปีที่แล้ว +1

      @@rynewilliams Yanchin, in his "The Irrelevance of Dividends" video.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Ooooooh I've seen that video before haha. I mean once you reach a certain point you'll end up paying some taxes for sure, especially if you have active income coming in from your w2 job or something, but if you're retired it takes a lot of dividend income before you actually have to pay taxes on them

    • @danieldeweerd6752
      @danieldeweerd6752 2 ปีที่แล้ว +1

      @@rynewilliams to his credit, he may be talking about UK tax law, but he's talking about American entities and exchanges for most of his videos.
      I am glad that you highlighted the standard deduction. Most people don't even consider that in wealth planning.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      He could be talking about UK law. I also think taxes on dividends is a low hanging fruit for people who are looking for downsides to this side of investing. People often like to refer to dividend payments as a forced taxable event, or something along those lines.

  • @bpignacio
    @bpignacio 2 ปีที่แล้ว +1

    Hi Ryne, I’m new to the stock market. Very much interested with high dividend stocks. Before Invest, can you let me know what is wrong with MREITs like AGNC or NLY?
    Thank you.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Hey there my friend. I don't really know much about NLY, but AGNC's dividend has been declining pretty steadily over the last 10 years, which is a big red flag to me.

  • @getsugatenshoFTW
    @getsugatenshoFTW 2 ปีที่แล้ว +1

    Hey Ryne, you have until April to contribute to your Roth IRA for 2022.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Thank you my friend! I forgot about that haha

    • @getsugatenshoFTW
      @getsugatenshoFTW 2 ปีที่แล้ว

      @@rynewilliams sure thing!

  • @HN-oq3gf
    @HN-oq3gf ปีที่แล้ว +1

    wow great vid

  • @arigutman
    @arigutman 2 ปีที่แล้ว +1

    Those who understand the game of taxes have much to gain... Always use tax advantage accounts!

  • @paulj2948
    @paulj2948 8 หลายเดือนก่อน

    How did the over 100k scenario only pay 2k of tax when it was over the 0% threshold? Wouldn't it be 15% tax on all qualified dividends?

    • @mikeyis009
      @mikeyis009 4 หลายเดือนก่อน

      No. Only the amount OVER the limit is taxes at 15%. The entire amount UNDER the limit is tax free forever.

  • @delbomb3131
    @delbomb3131 2 ปีที่แล้ว +1

    With a progressive tax system we'll never out pay our income. In the grand scheme I'd rather keep paying a little more year after year than no longer continue to raise my income

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      I completely agree with you there

  • @tonyaguilar2151
    @tonyaguilar2151 2 ปีที่แล้ว +1

    Trust me you'll be maxing out your rothbira in no time😎

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thanks Tony, I hope you're right!

  • @girldaddividendinvestor
    @girldaddividendinvestor 2 ปีที่แล้ว +1

    Married filing jointly gang 0%!!!!

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Love it man!

    • @girldaddividendinvestor
      @girldaddividendinvestor 2 ปีที่แล้ว +1

      @@rynewilliams gotta find those marriage positives somewhere. 🤣🤣🤣
      Totally kidding. In case my wife sees this.

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Hahaha assuming she's not as into dividends as you are I'm sure you're safe 😂

    • @girldaddividendinvestor
      @girldaddividendinvestor 2 ปีที่แล้ว

      @@rynewilliams 🤣🤣🤣🤣. Unfortunately reality TV is her vice.

  • @charlesrivers2647
    @charlesrivers2647 2 ปีที่แล้ว +1

    As of today, you have four months to max out your Roth…

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว

      Thanks Charles, that’s great to know. I forget about that

  • @Yaw_Jr
    @Yaw_Jr 10 หลายเดือนก่อน +1

    Great content - nicely laid out!
    For those who are not able to make Roth contributions, consider making them thru your 401k if possible.

  • @dividendfire855
    @dividendfire855 2 ปีที่แล้ว +1

    Married pays 0 in taxes Ryne.
    Better ask her the question 💍 😉

    • @rynewilliams
      @rynewilliams  2 ปีที่แล้ว +1

      Haha it will happen in 2023 for sure - sooner than later

  • @MrSilk13642
    @MrSilk13642 ปีที่แล้ว

    So.... Make less than 100k a year in qualified dividend? Thats pretty easy lol

  • @Capt737AA
    @Capt737AA ปีที่แล้ว

    You didnt’ talk about the regular IRA for those of us who are older than 59.5…. Also no tax at all… not just the Roth IRA