9 Financial Goals To Achieve Before 40
ฝัง
- เผยแพร่เมื่อ 3 มิ.ย. 2024
- In this video we're going to talk about 9 financial goals you should be working on before the age of 40. You might not know it, but these things can have a huge impact on your future wealth.
Timecodes:
0:00 - Intro
0:53 - #1 Financial Goal Before 40
2:09 - #2 Financial Goal Before 40
3:32 - #3 Financial Goal Before 40
4:45 - #4 Financial Goal Before 40
6:12 - #5 Financial Goal Before 40
7:18 - #6 Financial Goal Before 40
8:21 - #7 Financial Goal Before 40
9:28 - #8 Financial Goal Before 40
10:33 - #9 Financial Goal Before 40
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The best thing and the simplest thing you could do is make sure you're investing at least $1000 into your brokerage or retirement account Quarterly. If you aren't able to, figure out how to come up with some extra cash. Your future self needs it.
Data! Investing isn't as hard as people believe. It calls for diligence, something many people don't have. A financial counselor can be helpful if you are starting out with a sizable sum.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.
who is your advisor pls
Vivian Carol Gioia 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 find this informative, curiously explored Vivian Carol Gioia on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or saving my earnings to achieve this goal?
Varied sources of income is wise and especially living within your means. My net worth is $2M and I can pay my bills with no stress, but I don't live like I have that. I have no complaints.
Exactly, a good number of people discredit the effectiveness of financial advisor, but over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure and that's fine by me
Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Amber Dawn Brummit turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
Recap
1.Define ideal financial lifestyle
2.$0 debt exept for mortgage
3. Credit score 800+
4.Solid emergency fund
5. 5x anual investment expenses
6. Solid carrer capital
7. Solid fitness regimen
8.Estate plan & life insurance
9.Start money convo with parents
Now I feel terrible
@@GabrielBacon why?
@@GabrielBacon just start to build today
Thank you! That's how the YT time stamps subtitles should actually be used! Not just 1, 2, 3, etc.
Ty!!
Top Financial Goals Before Your 40’s
Goal #1: Define your Ideal Lifestyle
Goal #2: to Have Zero Debt Except Your Mortgage
Goal #3: Obtain a Credit Score of 800+
Goal #4: Solid Emergency Fund
Goal#5: Have 5x Your Annual Expenses in Investments (VTSAX)
Goal #6: Solid Career Capital (Skills You Have That Set you Apart)
Goal #7: Develop a Solid Fitness Regiment
Goal #8: Have Your Estate and Insurance Needs Addressed
Goal #9: Have a Conversation With Your Aging Parents
Thanks,
Dan T.
PS I’m a 51 broke, single but I found this advice solid. I wish I could relive my life over again. Marriage and divorce has killed me.
Congratulations. You are a normal human that experiences life's ups and downs. When this dude experiences is he will not create a video about it.
Thanks for the breakdown.
I’m pretty sure I’m staying single. No kids.
@@Flosseveryday same. I don't even look at modern women, let alone date them.
2,3,4,7 achieved. Number 9 -> I will forgo the inheritance since they are a toxic bunch and am happy to have escaped their negative influence once and for all.
Don’t date, got it
These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.
@@hunter-bourke21 Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.
@@rebecca_burns14 I really don't like making such recommendations, because everybody's situation is unique. But there are many freelance wealth managers you could check out. I have been working with “Julia Ann Finnicum” for about four years now, and she's really, really good. If she meets your discretion, then you could go ahead with her. I endorse her.
@@hunter-bourke21 Thanks, I just googled her name and her website came up right away. It looks interesting so far. I'm going to book a call with her and let you know how it goes.
I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
Fucking AI
25 yr old nurse here! I love how you stress physical health!! It really is more valuable than gold. My peers my age have no idea what suffering they will save themselves just by making some good healthy habits now ☺️
I'm 25 too. Nice to see other people my age taking care of their finances
"Why do I have headaches and feel sick every week"
Same person - zero exercise, starbucks each morning, cafeteria lunch, frozen dinner, and netflix to cap off the day.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@@rachealhubert74 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@rachealhubert74 I will give this a look, thanks a bunch for sharing.
Alice Marie was arrested by the FBI last week for securities fraud.
The system is out to get us. Invest in high yield dividend stocks. JEPY, QQQY, CLM, CRF, BSM, and JEPI, etc. System is indeed crooked sadly.
Sorry to hear it ! Please have faith
As a 27 year old guy, I greatly appreciate older gentleman like yourself providing such useful information. Many thanks!
There might be an economic turmoil but there is no doubt that this is still the best time to invest.
you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met FLORENCE YAGODA , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions
Search her name on the web you will see all you need to know about her.
Oh word a scam? Cool!
SCAM
@@jamesmaduabuchi6100 FLORENCE YAGODA took all my crypto and disappeared. Also gave me herpes 😭
After 40 and each decade after, the mortality increases. I'm 48 myself and understood in my prime years itself to distinguish between needs and wants and plan accordingly.
This video is great. It really helps confirm I will never be able to retire.
There is a sizable group in the same boat
I wasn't financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly basis via my investment and got 5 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made. Great video! Thanks for sharing!
Very inspiring! I love this. ❤️📌.
I hope to own a home one day. not quite long I started investing. I'm very curious already and need help on how to enhance and increase my returns. Any good investment tips will be appreciated.
@@stephaniejose5565 investing requires higher knowledge. I invest across the top markets but not by myself tho. i follow the guidelines of Alexandra Diana Jose. you might have heard of her.. I can correctly say she’s worth her salt as a investment advisor as her diversification skills are top notch/ I say because i see that in her results as my portfolio grows by averages of 30 to 5O% on a monthly basis, unlike i can say for my IRA which has just been trudging along. my portfolio just mirrors what her place and not just on some particular industries of my choosing. .
@@stephaniejose5565
@@paigehuston2060 please how do i get in touch with her.
Impressive. Would you mind sharing some more details. I’d like to have a talk with her.
@@stephaniejose5565 She is easy to find , make a quick research of her on the internet with her name Alexandra Diana Jose . She works with anyone independent of their location.
You cannot cut your way out of recession you've got to invest your way out of recession, the Conservative party are in the dark ages on policy they've got to think again. My primary concern is how to maximize my savings/retirement fund of about £170k which has been sitting duck since forever with zero to no gains.
@@corrySledd I've known I've wanted to start investing for a few months but just haven't been brave enough to start due to the market so far since mid last year. I have 60k i want to transfer into an s&s isa but its hard to bite the bullet and do it. £557k is a huge milestone , Please whats your strategy ? i will love to have an insight.
@@corrySledd I just copied and pasted her full name on my browser, super impressed with what I've seen so far. thanks for sharing!
Great video! Thank you for taking the time to create such helpful content!
These are the kinds of videos I have been looking for. Thank you so much.
Solid advice! Thank you for putting these together, Tae!
Great video Tae! Really enjoyed how you explained each topic
So much good comes from your videos on so many different levels that to state them all would be degrading the quality. All I can say is Thank You. You make the world better.
Just turned 30 and although I feel a bit behind, this will definitely serve as a great guide for the next 10 years. Thank you!
Time in the market is so important! Get as much in there as you can!
I'm 33 with basically 0 in my account. It will be tough but I'm sure it's doable!
Love your videos. So much more detail about planning for life, kids and parents!
Glad you like them! Thank you!
love the channel and these recommendations!!
Wish I saw this 10 years ago! Thankfully I have practiced many of these tips since my late teens. 32 now and it certainly helps to have looked forward and planned. My girlfriend thinks I’m cheap but I’m just focusing on the long game
You're not cheap. I have the same way of thinking. I was able to fully pay off my mortgage due to my lifestyle.
If your girlfriend doesn’t think you’re cheap, you’re probably doing something wrong 😅. If you both live well and to similar standards, why spend more?
I have a few of these down and few to work on. 34, so still got a bit of time till I am 40 to sort out a lot of it!
That perspective on “ Debt " is THE best I've ever read or heard ...👌
What a cool video. I learned a lot about things I should think about in terms of my finances before I turn forty. Thanks!
Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.
There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.
This is the start of a scam thread all
@cheezeweasel and a bad one at that too
When in doubt, invest in the opposite of what Cim Jramer has to say
inverse cramer
Finally a good and realistic video. I'm 33 years now so some things will be harder but not impossible 🙌🏼
Great Video! Just turned 30 and I need a new vision board. All of these are going on the new one! Thanks!
Excellent advice 👍
This is solid advice. Thank you for sharing !
I'm 30, have almost £40k saved/invested, and no debt other than mortgage (£150k left to pay with £150k in equity). Saving about £500 a month consistently, hoping it does me well in the long run
32, same as you except for 0 equity, I am still renting, those 40k are what I am saving for a deposit lol
well at least I'm shredded
I'm 28 and have 35K invested and another 70K in liquid savings. But not a property to my name :( It's getting so hard to buy a house or a flat these days in the UK
@@xplodax certainly is. I paid 230k for my house 4 years ago and is now over 300k. It's no good for people who are yet to get on the ladder
@@secretagentrandybeans7533 That's outside London, right? I'm trying to buy something in London now, and I can't find anything decent for less than 500K
@@xplodax yes. I live in Norfolk. House prices here are going mad though too
Great video, great channel!
Goals before 25.
850 Credit score. I at 670.
12 months of expenses in my HYSA.
Im well on my way. there even at 19.
$150,000 IN High Yield ETF'S
50K between ULTY, FEPI, and SVOL.
And maxing out HSA, ROTH IRA ROTH solo 401k. With Growth and Bond ETFS like SCHG QQQM. And SCYB and BNDI.
Thank you so much! This is really amazing 👏. I’m 25 and I’m glad I watched this video! I’ve life insurance as well and knew about the probate court. Thank you for mentioning that since not many people know about that. Now my friends will believe me😂 great video!
Cool I’m on the right path at 34. I’ve worked very hard and took years of focus to be here. It has to be intentional or you won’t get there.
Hard working and beautiful.
Keep it up!
Im about hit 40. Thanks for amazing advice.
Enjoyed the video, 37 and on a good track per the goals.
As a 35 year old, I was a little anxious opening this video (being fairly close to the cut-off!) but I am very grateful to say that most of those requirements have been met. I’m very fortunate to have parents that have good money saving habits (and I was able to expand on this with my knowledge of property investment in the UK to leverage debt). For those that didn’t have the privilege I had, you’re already making great steps by watching videos like this and not burying your head in the sand!
First video I ever watched by you I will hit the subscribe. I just turned 35 and I did well the past 6 months and I am thinking about my next 5 years, great video.
Been binge watching all the videos. Where have you been all my early 30 years?
Love the content, simplicity and genuineness of this channel. Keep it up buddy.
This was fantastic. As a person in their 40’s, I wish I had this 10 years ago.
Love your videos! Basic, time-tested wisdom and realistic goals and actions. Keep up the good work!
These should be listed as the ideal financial goals to reach by 40. Most people will not be able to get there today. Fortunately, I am almost 45 and have everything on this list but #5. I think that is the hardest one to hit here.
My own personal goal at 40 (november 2017) was to become liquid - both personally and my business. I did manage to be both and is now trying to enjoy life tho Covid-19 almost killed my business but somehow I and my employees were able to navigate thru' the huge storm, so we are still here and we are still alive. ;)
Excellent video as per usual, thank you!
Life is hard man jeeze. Lol. Appreciate your content.
Good video, thank you, Tae.
You make very good videos. wise. accurate. and to the point.
This video is superb. Love your breakdown and clear points. I'm in my mid-30s and it's nice having this path laid out for me to think about
Every time Tae starts a new sentence, he makes a sound like he's about to burst in laughter.
Excellent video, thank you!!!
33 and I needed this video thanks.
Thank you. Good advice.
I'm here as a 24 y/o to see where I need to be. I'm feeling good
You're lucky, literally avoid common pitfalls (options trading, gambling, bad investments) and just be mildly financially sound and you'll be fine.
Tank you for your advice
I liked your video; the tips are pretty well compiled and make more sense than a lot of financial advice videos. Here’s two pieces of food for thought. First, for many of us who went to grad school, paying all student loans off by 40 is a stretch. Second, I would argue figuring out mental health by 40 is also important- lots of questionable spending habits are in part linked to poor mental health management I think.
It depends on how you do your graduate school. I have two master's degrees from separate well-rated institutions and no debt. It's possible, but it takes some set-up
I was very busy before 40 and still am now. This gave me a reason to look at the last 20 years and I guess I accomplished more than I realized. My top 9 below.
1) Bought my home at 25
2) Paid off all debts
3) Invested in the stock market
4) Maxed out 401K
5) 15K emergency Fund
6) Worked 24-48 hours of overtime a week to save more
7) invested in dividend stocks and now get 50K a year in dividends.
8) Paid off home
9) Buy more real estate
Thank you for talking about helping parents out! I feel like this is very much a cultural thing. I am Latina, with an aging mother I take care of. My parents did not plan for the future at all, and unlike my non-minority friends, my culture expects me to essentially take care of my mom. I would want to help her out regardless cause I love her, but it’s so hard to explain this to people who aren’t either Asian or Hispanic tbh. I am first generation college educated which makes this even more difficult because my sisters and I really are the first in our family to even consider retirement goals. Before us, everyone just tried to survive as best they could. Great advice here tho. Thanks again!
Tae, Have you put out any videos specific to active duty? I'd be interested.
This is a really well-rounded goal list. Thanks
Great video, subscribed!
Talking to parents and family is great. But if you have the misfortune of having toxic parents with passive aggressive attitude to everything… it becomes almost impossible. I guess we all just have to do the best we can. I sincerely hope we can form better families and raise kids with open communication so they do not fear to have open communication with their own parents. We all must strive to do better than the prior generations.
Regarding a debt, I think it is important to use it to buy things that appreciate over time or reduce costs (house, insulation etc.) Not for consumption (car, vacation, furniture etc.) If you need credit for consumption, you are poor and sinking no matter how much you are making.
Such great wisdom !!! ❤❤❤
Turning 40 in a few months. From the looks of it, I'm fucked. Bless you all and good fortune to you all
Lol naa man you just gotta work a bit harder and smarter if you don't have as much time.
Im 30,glad i found this channel before 40😊
Just turned 40 & watching this like 😢
Great advice 👍👍
Glad it was helpful!
These are all great gems of knowledge you dropped💎 💎
I like the VTSAX example w/ compounding. Coast FIRE is a great aspiration. I prefer VOO (SP 500 index fund) over the total market but historically they track pretty darn close to each other. Great vid.
I am 41 years old, with a house worth $350k paid off. My vehicles are paid off, too. I have a 100k emergency fund that matches my yearly income. I barely have 20k invested in etfs and barely started my roth ira account... I am behind, I know!
Good content! Anybody watching this and thinking some of these goals are impossible, you'll be surprised with a power of writing down your goals. Try it out, and watch the universe turn the tide for you. Certainly worked for me! Cheers!
Thanks to my student loans, I don't think I'll get to goal #2 by the time I'm 50 let alone 40, but at least now I can have an idea of what I should be aiming for. Love your videos, thank you for all the advice.
Med school loans? What kinda student loans r so high?
@@aeiou0123 Law School, and that's after having a third of my tuition covered by scholarships.
That last tip is scary for me. I'm mid 20's and that tip just said I need to have that conversation with my parents before I'm 30
I’m new to following your channel and just wanted to say keep up the great work! I’ve watched dozens of “finance” content creators and many of them feel like they’re geared towards single 18-25 year olds. Being married and in my mid 30s now, it’s refreshing to find content that feels more realistic and specific to my current stage of life. Thank you!
740 puts you in top tier for mortgage rates FYI. Amazing content thank you as always!
This makes me feel good about myself and proud of my wife and I. We’ll be retired before 40. We can’t wait to have our freedom back!
Wow! Make it happen!
How??
@@ryebread447Saving a high percentage of our income starting at a young age. I married my wife at 18 and we've saved a high percentage of our income ever since and have stayed out of any consumer debt and payed college tuition with cash from working.
800+ credit score is completely unnecessary, while it is easy to achieve. With 760+ you would get the best deals anywhere.
this needs more thumbs ups
Correct
Great tips, and I would amend #2 to say $0 in debt financed at a rate above inflation. You can use debt to your advantage by putting your money to work before it's due. A great example of this is promotional 0% financing--if you can put the full balance in a high interest savings account while automatically making the payments, you can earn money as you pay it off. If you pay cash, you're leaving money on the table in that case. Of course, this approach takes a lot of discipline and is incredibly unforgiving if you fail to pay off a balance before the promotional interest rate expires, leaving you with a huge deferred interest cost.
That works for some people, but for many of us it's easier to avoid complexity and stress by just keeping debt to a minimum. I have enough stuff going on already, it's worth giving up the potential profit to not have to think about it.
But that’s also very risk cause what if the credit card company changes your rate from “no annual fee” to a fee and you don’t notice, then boom two months later, you notice you’re credit report now has late payments/ delinquencies
I like the fire anology of debt. It has many ways to be utilized and helpful, it can also burn your house down with you in it. Respect debt.
Great tips
46 years old- I’m good with the no debt, credit score and career capital parts,l; but my savings and retirement are way behind. I’m working on it though - gazelle intensity lol
9:41 I eat healthy but fitness needs improvement. Great status check!!!!
This is amazing.
I did the first 7 by 25. It is paying dividends now. When I turn 40, I expect to have hit my retirement goals.
goal #1 - surf, skateboard, and snowboard as much as i can! im trying to stay young! not feel older!
Lol same!
Just stumbled across your page and love this video! Could you please elaborate on what you mean by 5x your expenses should be in investments?
Great video, I've been interested in investing ever since I came across articles of people making up to $150,000 and more in this period, thanks for the video but is it really possible for a retail investor to achieve this in months?
I've purchased numerous stocks in individual firms. Because there are so many stocks that will skyrocket in the long run, it is currently safe to buy in on ETF and ride it out. Due to fud, I sold out early, but then retraced my ways and re-invested $350,000 with a financial advisor who manages my account. I received an 82% return last year and will see where it goes this year.
that's quite impressive, you surely made a good bit of money. I myself invested in warren's BRK-A stock quite pricey but totally worth it.
@@hermanramos7092 I just started a few months back, I'm going for long term, I'm still trying to wrap my head around it, who’s this advisor you work with ?
@@Oly_laura 'Catherine Morrison Evans’is the coach that guides me. She’s a verified coach and she helped me see that returns can be made in both bull and bear markets. She covers things like investing, insurance, making sure retirement is well funded and looking at ways to have a volatility buffer for investment risk, lots of things like that.
@@hermanramos7092 thanks for sharing this, I am in conversations with your advisor, and she really has substance, having interviewed her properly and reviewed her model, I am hoping she takes me on quite seriously too
I've been so terrified about the aging parents. My parents have no retirement accounts : they were of the generation that thought "the government will take care of me ... all I have to do is work hard".
my parents as well... i worry about them
All goals done at 35 except still working on #7.
#7 is the MOST important. Better get it while you still have time. Because if you don't, all your goals you achieved at 35 years old, would've meant nothing if your health is sh¡t.
I have never heard of the 5 times expenses in investments thing. I think we might get half way there by the time I'm 40 but maybe a little higher. A big focus right now for us is to pay off our house early which I think could be done around when I'm 45. We are one in come right now though so we cant make as much headway on it. I feel very responsible now but in some ways I wasted some time in my 20s.
I had 5x my annual expenses in investments until the market crapped out last year. I lost 23% of my portfolio over the year. I've had significant gains but HOLY CRAP that was a rough year.
Pushing 39, still in college debt, below average credit, no investments, questionable career capital, no estate, no life insurance, but five days at the gym. So, where do I press the restart button? 😞
This channel is so good. I binge through your videos just to reinforce my financial IQ. Thanks Tae!
Interesting someone else should do so cause I do too!!
I’d be interested in your exercise regimen focused on minimizing injury.
Check out HIIT training and Drew Baye. The idea is that you workout with weights in good form and using 8 to 20 second repetitions to momentary muscle failure to minimize risk of injury but maximizing muscle growth. Most people jerk their weights around without control which puts unnecessary forces on the body usually in bad form.
My ideal day is sleeping. Nothing but sleeping. Luckily that's a pretty cheap lifestyle, especially if I do it 24/7.
This sounds a lot like death.
Might depend on where you're sleeping
This is cope, there are so many things to do. Why is sleep your favorite thing? And like the guy above you said, sleeping 24/7 is literally death.
That’s called being a bum lol
@@Mactakun Maybe he's depressed
감사합니다. Video was straightforward and easy to understand. Subscribed and like. Sadly school doesn't teach you anything about finance and have resorted to youtube and reading books to teach myself.
Done with all and more by 30!
the list is quite complete and I am sure it is meant well but there are at least 2 or maybe 3 points where in the present it is very hard and not to say impossible to achieve... I know you mean well but it seems like either the list was made about 20 years ago or it is just for a few models of people and not for the general public. But either way nice video.