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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I encountered Annette Christine Conte through my wife, and I emailed her. She is guiding me. Since then, she has given me chances to buy and sell the stocks in which I'm interested in. You can hunt her up online if you require care supervision.
Becoming a millionaire through a Roth IRA or a 401(k) involves different strategies for maximizing profits. A Roth IRA offers tax-free withdrawals in retirement, which can be advantageous if you expect to be in a higher tax bracket later in life. On the other hand, a 401(k) provides tax-deferred growth and potential employer contributions, boosting your savings. The optimal choice depends on factors like your current and future tax situation, employer match, and investment options. Consulting a financial advisor can help tailor a strategy that aligns with your financial goals and circumstances.
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
I wholeheartedly concur. At 40+ years old and newly retired, my external retirement funds total around One million two hundred fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor.
'Rebecca Nassar Dunne’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
The secret is to put money away every paycheck. He says 15% but I think you check out the budget for some extra. Put it into an SP index fund. Do not touch it. Just let it grow. If you are spending 10 hours a week worrying about it now,use that time for a hustle and tuck that away. Trying to work the market is a mugs game. It can be done by a few people but you don’t d sound like one. 10 years from now your index fund in your Roth IRA will be doing great. Or 401k.
Indeed, It has always been tougher to understand how to build your money after retirement and even more so right now with the inflation. You can experience a completely varietied market passively by employing a successful portfolio-advisor.
Even if you're not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April last year due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I've made over $250k since then
Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.
target date funds made me a multimillionaire but i also watched them drop 40% in a very short time and take a long time to recover. my best suggestion is that you seek the guidance of a fiduciary to avoid mistakes
Great! mind if I look up your advisor please? only invest in my 401k through my employer as of now, but enthused about investing for my eventual retirement.
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, "Judith B Richards" 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.
Thank you for saving me hours of back and forth investigation into the markets. found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
Thank you for saving me hours of back and forth investigation into the markets. found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
Retirement has become increasingly difficult for many people, especially with low-paying jobs, rising inflation, and high rents making it harder for workers to save. Even middle-class Americans are finding it challenging to afford a home, leaving them without a secure place to retire.
The rising cost of living has impacted my retirement plans as well. I had hoped to retire at 62, work part-time, and continue saving for the future, but now I’m worried about whether that’s achievable. I can’t help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m facing today. The combination of stock market volatility and declining income is creating significant anxiety about whether I’ll have enough funds for retirement.
It’s generally recommended to save at least 20% of your income in a 401(k). Joseph Nick Cahill taught me to calculate how much I should save based on my age and income. I’ve been working with him for years, and his decades of experience in the markets have added incredible value to my portfolio. He’s helped me achieve significant growth.
His name is Joseph Nick Cahill, and he works for Empower Financial Services. He’s widely regarded as an expert in his field. You can find more information about him by searching online.
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
I am so happy that i made a productive decision about my finances that changed my life forever. I am a single dad and i live in Florida, i bought a new Car in September and i hope to retire next year at 45 if all goes well. Thanks to Mrs Angie Chen Owens for helping me achieve this.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
I think investors should always put their cash to work, especially In 2025, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2025
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
An increasing number of people are likely to face challenges in retirement. Low wages, rising inflation, and high rental costs make it difficult to save adequately. Now, even middle-class Americans are struggling to afford homeownership, putting their retirement plans at risk.
The surge in living costs has disrupted my plan to retire at 62, work part-time, and continue building my savings. I can't help but wonder if those who weathered the 2008 financial crisis had it easier than what I'm facing today. The volatility of the stock market, paired with a decrease in income, has raised concerns about whether I’ll have enough funds to secure a comfortable retirement.
This is exactly why I rely on a portfolio coach for my investment strategy. Their expertise-managing both long and short positions, capitalizing on asymmetric risk, and strategically hedging against market downturns-makes it incredibly difficult for them to underperform. Over the past two years, working with a portfolio coach has helped me generate over $800,000 in returns.
Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.
I’m convinced that investing 50k-100k in the right company before it goes big is more important than saving for retirement. However, picking the right company is so hard. I have around 200k in a HYSA and want to invest it. What are the best opportunities now?
Yeah I agree, but if you are not a professional, it's much easier for you to work with a professional who understands the ins and outs of the market so you can pick stocks that do well over the long run.
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 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 $200k 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, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $1.2m in gains… might not be a lot but i'm financially secure.
My CFA ’Izella Annette Anderson’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
As an investing enthusiast, I've kept aside a good sum of capital to invest for financial independence and early retirement, but my concern right now is the market rally being propaganda. Is this a good time to buy stocks, or do I wait for the crash?
The stock market can appear as a bewildering cauldron of fake news for new investors. I would advise using a CFP, giving him/her 2/3, and then investing the 1/3 on your own, but only if you have time to track stocks and educate yourself.
@@WaldronsSousas I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past seven years, she has helped me find stocks that have performed 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
@@TimothysScotts Congrats! The market to me is like a lucrative chess game, incredibly difficult to outperform, it's all about understanding how the world moves, its history, and psychology... mind disclosing info about your CFP? I'm quite curious.
@@NebiheVergara There are many independent advisors to choose from. But I work with MARGARET MOLLI ALVEY and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.
Thanks for sharing awesome tips! I'm 41 financially free and currently growing a solid retirement plan. It takes a positive attitude and consistency to learn new things and unlearn the old habits. It is important to get a mentor or coach to lead you all the way. It's great to start young too!
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience. If you're new to investing or don't have much time, it's best to get advice from an expert.
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800k
My CFA ’Amy Desiree Irish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I'm just starting to invest and keep hearing mixed opinions on asset allocation. Some say ETFs and index funds offer great broad market exposure, but I’ve also heard they include underperforming stocks that could dilute returns from stronger performers. Since my goal is to retire early, I’m not sure if I should be more selective with my choices now, or if I’m just overthinking it
I’m nearing retirement myself, and I had similar concerns. I started investing later than most, and just relying on ETF compounding wasn’t cutting it for me either. After working with a financial advisor, I managed to restructure my investments and am now on track to retire with around $4 million. If I hadn’t sought advice, I doubt I’d be as confident in my plan right now
I usually steer clear of recommending specific people because financial needs are so personal. But I can say that working with Emily Ava Milligan has made a world of difference for me. I noticed her strategies are tailored to fit personal goals and make sense for different needs. It might be worth exploring to see if her approach resonates with you
I am in a similar situation. How I look at ETFs is more like a basket of options. Sure, some will perform well and others poorly, but it averages out typically. If one fails, a good ETF will evaluate and replace it if it no longer works with its goals. It's also hands off. If one stock fails, you do not lose everything. If you select specific stocks, then you do run the risk of them failing and losing substantially more. But you can also make a good deal of money. The most basic rule of the stock market is the idea that the longer you stay in it, the better you typically turn out. (Money compounds over time, but if you are buying and selling positions frequently you tend to miss out on that) I am NOT a financial expert, simply sharing what I have come to understand. Hopefully it helps
Before you start investing, it's crucial to understand the basics of investing, different asset classes (stocks, bonds, real estate, etc.), and the associated risks. are you investing for retirement, buying a home, or building an emergency fund? Your goals will help shape your investment strategy.
Don't put all your eggs in one basket. Diversification means spreading your investments across different asset classes (stocks, bonds, real estate) and within those classes (different companies or industries). This helps reduce risk.
I Invest in low-cost index funds or ETFs that track broad market indices, such as the S&P 500. These funds offer diversification across a wide range of stocks and can be a more passive, low-maintenance investment option. They are suitable for investors who prefer a hands-off approach and want exposure to the overall market.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Just what I needed to watch. My wife and I are directors of our farm business and own property, plus small pensions. I am nearly 55, my wife is 52. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as stock, EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
Agreed. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
'Sonya Lee Mitchell’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars
If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.
That’s true, Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, , and in just a few months, I was able to earn over $950K in net profit from high dividend yielding stocks
Impressive, i’ll most definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
During a recession, investors must understand where and how to distribute capital in order to hedge against downturns while being profitable. If you are unable to navigate the market, speak with an expert advisor.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
A good, general message. Letting the click-baity title go, because it made me curious about what you were going say. I've enjoyed quite a bit of your content lately, but the BIGGEST compliment I have, for this video in particular, is that you are the first person I've seen change up the camera angle AND your focus point along with it! I've always felt like the change to an alternate camera angle, while the speaker is focused somewhere else, was making me feel like they didn't care about what they were saying or that that particular piece wasn't important. Your use of the alternate angle, along with continuing your focus on the camera, keeps the video interesting AND keeps me engaged, while feeling like everything you are saying is useful. Thank you for more, good money tips/habits/suggestions and this very welcome change in shooting techniques. Looking forward to more, Steve.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
If you don’t understand the markets, stick to an index like the S&P 500. Dollar cost average and hold long term, or better still consider financial advisory to avoid losses
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
Wow, that's interesting . I've recently been exploring the option of working with an FA too. Any chance you could recommend who you work with? in her area and works for Empower Financial
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a geniusl Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
I just have to applaud your content man, well done. Long term investors know that the market and economy will recover eventually, and investors should be positioned for such a rebound. I gained $180k from bitcoin in 2021 before the market crash and now I'm buying again, adding more at a time. Having a good financial advisor like Veronica Hoy, it will add to your success in the crypto market.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
A huge part of retirement is getting out of debt. It helps you become less attached to things and image, which is critical to retiring with dignity and not having lifestyle creep
I know a lot of people from my generation (like me) who are getting married in 30s and having kids in their late 30s/ early 40s. Not to mention aging parents who will need your time/resources soon. So it all depends on what situation you are in and what your 10-20 year goals are. That said, having a savings mindset is going to be important no matter what your goal is. Also, if retirement is not a real short term possibility for you, I would rather you get really good at your profession and work at it with passion. Ultimately working to enjoy in your current job (8-10 hours of your day) is an option available to you right away. After all the idea of retirement is primarily hinged on doing with your time what you like.
Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Brooke Miller
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
This was a really great video Steve! You explained everything and actually completed this video so I didn’t have to wait on the next video that I may not see! Well done. Thank you!
3 years ago, I started investing with $300k, but I've only made about 6% total, or 2% per year, which my friends say is very low. I also put $800k into a 401k with a financial advisor, and it's now worth about $1.2 million after 10 years. I think I need to revamp my portfolio. Any advice on what to do with my money would be greatly appreciated.
I don.t really know your risk tolerance or asset allocation, sounds like just bad stock picking. Also unclear if the advisor is providing any other value via financial planning or other decision making. But likely-scenario is just bad stock picks. Index -funds, Etfs and -chill.
You should de-finitely fire your advisor! That's a bad financial-advisor. Over 5O years of data reveal that those who work with fiduciary advisors typically earn more than those who go it alone. I've been fortunate to work with one for 6 years, resulting in a $3 million-portfolio.
My CFA Carol Vivian Constable, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for sharing, I must say, Carol appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
My only regrets Is not understanding retirement and invest till now ,most I ever made was 40k yet I'm a home owner ,bills always on time and paid off 3 loans ,yet people will make 3 times that and are always crying broke ,if I'd know what I'm learning now I would be half way thru retiring
My retirement account has gone down by 13.7% in the past year due to rebalancing I did out of fear uncertainty and doubt. What are best alternatives to take in other to secure a financially free retirement and achieve ultimate peace? I don’t want to fail after 20 years of working hard.
If you want to rebuild your portfolio by yourself, without the help of an CFA… I will tell you it is near impossible. Even NewRetirement and co can’t do the job of an FA with expertise, a large following/client base and experience. Vet and hire one and begin to develop a rapport.
@@JasonAmir-qo4uo Yeah you can, there is a popular one called JOESPH NICK CAHILL. He is licensed and has over a decade of experience, he also works with all economic class of people.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
great video. very informative. I have started doing some of the things you have mentioned in your videos. automatic deposits and hysa. and my Roth ira is starting to build. thanks again for the work and info you share.
By yourself yeah you're probably right in them being screwed. Though there are help programs for people making that little. However if instead of roughing it alone you find about 4 like minded people and all of you save 50% of your incomes then it starts to be doable. Super risky, but doable.
@@Lamentlogic The problem is that many people don't want to sacrifice in those ways. I absolutely HATE living with other people but having even just one roommate allowed me to save over $1,200 per month. This is after living alone my entire life. I won't live with people forever but I will in order to achieve my goals. My neighbor has 5 people in her house, they all rent a room. They each pay roughly $500 for all inclusive rent in a really expensive area. It can be done.
@@Lamentlogicthats your reasoning?? In theory you are right but be realistic for a second... Finding 3 other trustworthy, financially literate people that only makes 30k a year... Trying what you are saying is a good way to get in deep shit... Really terrible advice...
@@Smp_lifting I did mention the risk being high. A proper life plan doesn't revolve around only making 30k your whole life though. If you are firmly locked in on never making more than that your whole life then you are going to need a trustworthy and tight team to pull it off. Is it great advice for your whole life, well no.... But is it amazing advice for someone getting started and then have that person work to get a better paying job well yeah actually that's a far better start then the defeatist idea well that wouldn't work where I am right this second in life so why even try.
@@Lamentlogic because High risk play have a poor expected outcomes. Might has well spend every penny on loterie. Another high risk play but this wouldnt appear to be good advice. Neither is this. At this income level you have to live as extremely poor. To have a shot at retirement. And yes. Increasing income.should be the highest focus. But id say investing in improving your money making skills has a higher priority than living poor for 40 years. Only to keep being broke in your 70s. If you only make 30k. Dont invest with money, invest your money and time in yourself in your ability to generate income.
Question: So since Roth IRA has a cap on the amount you can contribute the money needs to be distributed in different accounts? Lets say the 30,000 a year savings (like the example) needs to be split between a Roth ira and taxable brokerage accounts correct? Or What kind of account are we putting that type of money with no penalty and still enjoying the growth after 4% rule
When you're maxing out your tax-advantaged accounts (401K if applicable, Roth IRA, VA 529, HSA, etc.) it can significantly lower your tax liability. Nearly all of the other account such as VA 529 (for education) and HSA (for health) can be converted after retirement age into regular retirement accounts as well.
So a real question is if I want.to live off dividends before retirement, what type of brokerage is best, or is a trust better? I have a roth ira, so I'm not looking for a traditional ira. Looking for other options... ideas
The problem with these retirement accounts is that you get penalized if you withdraw before 59 which imo thats too long. Im torn between putting my money in a roth ira or taxable brokerage account because if i do want to retire before 59 then I dont get penalized
If I originally rolled over my employer 401k into my bank IRA after I was no longer employed with the company. How easy is it to transfer my IRA money from my bank to a Fidelity Roth IRA?
I think you forgot that when you make $100k+ you lose upwards of 35% in taxes in deductions so saving 50% leaves you with 15% which would be impossible to pay for essentials (40%) in your example. I get your point but you have to be realistic too.
I would love to invest 50% of my income in a Roth IRA but it exceeds the yearly contribution limit, what can I do? Am new to this, any suggestions would be much appreciated thank you
I'm new to trading, and I've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
Trading is difficult, I'd spend the five grand on education for trading. It's not easy. Investing is different, that's easier. Short term or long term gain is the question.
How do you apply the information you suggested in the video if you are only allowed a maximum of 8k contribution a year in a roth IRA? I am new to all of this and approaching 50. Thank you!
Excellent video! If you plan to retire in 10-15 yrs would you still recommend using a Roth IRA (since you can’t take out earnings) or should you just use a brokerage account and follow the S&P on there instead?
Thank you for opening my eyes to a completely new and positive future. You have inspired me to start investing. With your easy to understand explanations I have now built the courage to start, as you know this subject of investments can be quite overwhelming for someone like me who doesn’t know where to start. Great videos, keep them coming!
How do you feel about having 500k in your Roth invested in 8% dividend etfs like JEPQ and other 8-12% dividend stocks. Tax free dividends. I had 100k in JEPQ and i was receiving 800 bucks a month for one year. I sold and am now in growth etfs. But my plan is to do this in retirement
if you are going to get SS or other retirement, you can subtract that from your needed annual income.. That will cut that total from 40k a year in half.
Great content Steve! But I see you have been making the basic/essential content for a long time now, any reason not sharing the advance knowledge? By the way, I am also on a financial freedom journey!
I’m really grateful that Steve has been teaching the basics. Most of us have never been taught the basics, so it’s really helpful to many, many of us. I’m sure that he has more in depth videos for those who are interested in them. You can try scrolling through his videos. I’m sure that you will find videos for you. Personally, I’m a newbie, so repetition of the basics is instrumental to me learning.
@@NothingBtBlueskiesI agree, most of the viewers and new investors need to understand the basics well. But for the true basics we don’t really need these many videos, 1 video showing spending in SPY and daily cost averaging and reinvesting dividends till you retire is sufficient. I have watched Steve’s videos and love his content for the basics. But I wanted to know if he wants to just appeal to new investors only or can he share how he actually became a millionaire, trust me it takes 30+ years to invest $500 a month to become a millionaire status which definitely is not the route Steve took.
I know it’s risky but you can invest in stocks like Apple or nvidia and potentially double your profits over the s&P 500 So learning about the market and diversifying a little bit can’t be that bad
I already have a Roth in a 457 through my work. So i cant just open another, correct? I already put in the max per year in that one. Regardless, Thanks for the content. I appreciate how u break down confusing concepts!
Can you imagine a life with no debt? If you sit and think about all your bills right now and not having to pay them how wld your retirement look. The problem with most people is that they retire the pay debt off. If you buckle down and and get a side gig or w/e and take about 2-4 years to just knock out debt, then you then take the next 8-10 years putting that same money you were using to the marjet and 401k’s and simultaneously pay off your mortgage. Most ppl bills are 65-80% of their take home pay, what if 65-80% was your investment every month? Its not rocket science.
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Julie up and send her a message. You've truly motivated me. God's blessings on you.
Hi Steve. I am 50 and was wondering how I can contribute more than the maximum of $8000 into my ROTH IRA? Is there some other account I can use to buy more ETF/Mutual funds?
Really save 50% of a salary? Imagine someone making 50 to 80k how it’s possible for that someone to live on 50% of a 80000 salary ? Which is 40000, with the price of food, housing childcare for some people,car insurance gaz etc … how realistic is that?in the USA?
Bruh ive been living my entire life off 35k and so have all the people around me me wtf u mean 😂 some of yall are so privelaged and outta touch its crazy
Of course you can. If the price is to never have to work again your entire life. And not only that, also, your net wealth well be growing with the 4% rule. Yes there is a price to pay. Why would I choose to work 30 years and save 10% over working 10 years only but save 50%? There are some exceptions including some professions that get much paid with the time
If you're single or a childless couple and know where your expenses are going, it's not *that* hard. Housing is the biggest fixed cost, so if you can get that down (either by finding a deal or living with a roommate/your parents/your SO/etc) you've got a much bigger pot to work with starting out. Then you just budget so you know what your variable costs are (utilities, food, gas, car insurance, fun money, etc) and if they put you below that 50% savings, work on reducing it in various ways. Cook more, turn off the lights/conserve water, take public transport/carpool/ grocery shop at a place that gives you fuel points/etc. For perspective, I'm single and easily saving that much on a 70k salary even though my rent is ridiculous, because I smiply don't feel the need to spend that much right now. It just depends on what your lifestyle looks like tbh, and I don't mind forgoing a few fun things now to enjoy my life a lot more 5 years from now.
You can Definitley live off 2 grand a month unless u live in a big city with expensive rent, if you have a roomate, never go out to eat, no subscriptions, no shopping then it’s very doable
You only need to eat once a day to be honest unless you want to stuff your face all day. I live off about $25,000 a year and save about $10k a year. Stop living for others expectations or for your instagram. No one really cares. Find a way to live below your means for a while and you’ll thank yourself later
If you were me and had aprox 230,000 and were turning 65 next month and have a pension, what would you do with the 230,000 so that it can produce some passive income in 5 years? Thanks, E
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.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
she actually appears to be well-read and educated. I just did a Google search for her name and found her webpage, I appreciate you sharing
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I appreciate your nice words and would like to get in touch with your account management consultant.
I encountered Annette Christine Conte through my wife, and I emailed her. She is guiding me. Since then, she has given me chances to buy and sell the stocks in which I'm interested in. You can hunt her up online if you require care supervision.
Google Annette Christine Conte and do your own research. She has portfolio management down to a science
Becoming a millionaire through a Roth IRA or a 401(k) involves different strategies for maximizing profits. A Roth IRA offers tax-free withdrawals in retirement, which can be advantageous if you expect to be in a higher tax bracket later in life. On the other hand, a 401(k) provides tax-deferred growth and potential employer contributions, boosting your savings. The optimal choice depends on factors like your current and future tax situation, employer match, and investment options. Consulting a financial advisor can help tailor a strategy that aligns with your financial goals and circumstances.
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
I wholeheartedly concur. At 40+ years old and newly retired, my external retirement funds total around One million two hundred fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor.
This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?
'Rebecca Nassar Dunne’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
The secret is to put money away every paycheck. He says 15% but I think you check out the budget for some extra. Put it into an SP index fund. Do not touch it. Just let it grow. If you are spending 10 hours a week worrying about it now,use that time for a hustle and tuck that away. Trying to work the market is a mugs game. It can be done by a few people but you don’t d sound like one. 10 years from now your index fund in your Roth IRA will be doing great. Or 401k.
Indeed, It has always been tougher to understand how to build your money after retirement and even more so right now with the inflation. You can experience a completely varietied market passively by employing a successful portfolio-advisor.
Even if you're not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April last year due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I've made over $250k since then
Mind if I ask you to recommend this particular manager?
Google Sonya Lee Mitchell and do your own research. She has portfolio management down to a science
I ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.
target date funds made me a multimillionaire but i also watched them drop 40% in a very short time and take a long time to recover. my best suggestion is that you seek the guidance of a fiduciary to avoid mistakes
Great! mind if I look up your advisor please? only invest in my 401k through my employer as of now, but enthused about investing for my eventual retirement.
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, "Judith B Richards" 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.
Thank you for saving me hours of back and forth investigation into the markets. found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
Thank you for saving me hours of back and forth investigation into the markets. found her web instantly. After reviewing her credentials and conducting due diligence, i reached out to her.
Retirement has become increasingly difficult for many people, especially with low-paying jobs, rising inflation, and high rents making it harder for workers to save. Even middle-class Americans are finding it challenging to afford a home, leaving them without a secure place to retire.
The rising cost of living has impacted my retirement plans as well. I had hoped to retire at 62, work part-time, and continue saving for the future, but now I’m worried about whether that’s achievable. I can’t help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m facing today. The combination of stock market volatility and declining income is creating significant anxiety about whether I’ll have enough funds for retirement.
It’s generally recommended to save at least 20% of your income in a 401(k). Joseph Nick Cahill taught me to calculate how much I should save based on my age and income. I’ve been working with him for years, and his decades of experience in the markets have added incredible value to my portfolio. He’s helped me achieve significant growth.
That sounds impressive! How can I contact this advisor? My portfolio has underperformed, and I’m in need of guidance.
His name is Joseph Nick Cahill, and he works for Empower Financial Services. He’s widely regarded as an expert in his field. You can find more information about him by searching online.
JOSEPH NICK CAHILL
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 5.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed overtime.
pls how can I reach this expert, I need someone to help me manage my portfolio
Sharon Ann Meny is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
I am so happy that i made a productive decision about my finances that changed my life forever. I am a single dad and i live in Florida, i bought a new Car in September and i hope to retire next year at 45 if all goes well. Thanks to Mrs Angie Chen Owens for helping me achieve this.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Angie Owens too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first until I decided to try. It’s huge returns is awesome! I can’t say much.
I think investors should always put their cash to work, especially In 2025, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2025
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
An increasing number of people are likely to face challenges in retirement. Low wages, rising inflation, and high rental costs make it difficult to save adequately. Now, even middle-class Americans are struggling to afford homeownership, putting their retirement plans at risk.
The surge in living costs has disrupted my plan to retire at 62, work part-time, and continue building my savings. I can't help but wonder if those who weathered the 2008 financial crisis had it easier than what I'm facing today. The volatility of the stock market, paired with a decrease in income, has raised concerns about whether I’ll have enough funds to secure a comfortable retirement.
This is exactly why I rely on a portfolio coach for my investment strategy. Their expertise-managing both long and short positions, capitalizing on asymmetric risk, and strategically hedging against market downturns-makes it incredibly difficult for them to underperform. Over the past two years, working with a portfolio coach has helped me generate over $800,000 in returns.
Would you mind sharing the name of your coach? I’m very interested in exploring this service.
Rebecca Lynne Buie has consistently been my top recommendation. She’s widely recognized for her expertise in financial markets and has a strong track record. I highly recommend her.
She seems highly qualified. I looked her up and found her website-thank you for the recommendation!
I’m convinced that investing 50k-100k in the right company before it goes big is more important than saving for retirement. However, picking the right company is so hard. I have around 200k in a HYSA and want to invest it. What are the best opportunities now?
Yeah I agree, but if you are not a professional, it's much easier for you to work with a professional who understands the ins and outs of the market so you can pick stocks that do well over the long run.
I agree. I started investing with a CFP who has a good understanding of the market. This third quarter I've already made more than 150k in net profit.
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?
Marissa Lynn Babula is the licensed advisor I use. Just research the name. You’ll find necessary details to work with and set up an appointment.
Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.
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 $200k 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, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $1.2m in gains… might not be a lot but i'm financially secure.
@@mikegarvey17I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
My CFA ’Izella Annette Anderson’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
As an investing enthusiast, I've kept aside a good sum of capital to invest for financial independence and early retirement, but my concern right now is the market rally being propaganda. Is this a good time to buy stocks, or do I wait for the crash?
The stock market can appear as a bewildering cauldron of fake news for new investors. I would advise using a CFP, giving him/her 2/3, and then investing the 1/3 on your own, but only if you have time to track stocks and educate yourself.
@@WaldronsSousas I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past seven years, she has helped me find stocks that have performed 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
@@TimothysScotts Congrats! The market to me is like a lucrative chess game, incredibly difficult to outperform, it's all about understanding how the world moves, its history, and psychology... mind disclosing info about your CFP? I'm quite curious.
@@NebiheVergara There are many independent advisors to choose from. But I work with MARGARET MOLLI ALVEY and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.
@@TimothysScotts Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible.
Thanks for sharing awesome tips! I'm 41 financially free and currently growing a solid retirement plan. It takes a positive attitude and consistency to learn new things and unlearn the old habits. It is important to get a mentor or coach to lead you all the way. It's great to start young too!
Hi, I'm 35 working on my retirement fund too. What do you think is the best target for retirement?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience. If you're new to investing or don't have much time, it's best to get advice from an expert.
I'm trying to read books about finance, budgeting, and saving. Looking at having a good financial advisor. Can you recommend
I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week.
How do I reach Caroline Suzan Olson?
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800k
Mind if I ask you to recommend this particular coach you using their service?
My CFA ’Amy Desiree Irish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
I'm just starting to invest and keep hearing mixed opinions on asset allocation. Some say ETFs and index funds offer great broad market exposure, but I’ve also heard they include underperforming stocks that could dilute returns from stronger performers. Since my goal is to retire early, I’m not sure if I should be more selective with my choices now, or if I’m just overthinking it
I’m nearing retirement myself, and I had similar concerns. I started investing later than most, and just relying on ETF compounding wasn’t cutting it for me either. After working with a financial advisor, I managed to restructure my investments and am now on track to retire with around $4 million. If I hadn’t sought advice, I doubt I’d be as confident in my plan right now
I’m trying to figure out the best approach for my portfolio. How did you find your advisor? I feel like I need that kind of guidance
I usually steer clear of recommending specific people because financial needs are so personal. But I can say that working with Emily Ava Milligan has made a world of difference for me. I noticed her strategies are tailored to fit personal goals and make sense for different needs. It might be worth exploring to see if her approach resonates with you
Thanks for that. I did a quick search and found her page. I was able to email so I sent over a few questions to get more info. Appreciate you sharing
I am in a similar situation. How I look at ETFs is more like a basket of options. Sure, some will perform well and others poorly, but it averages out typically. If one fails, a good ETF will evaluate and replace it if it no longer works with its goals. It's also hands off. If one stock fails, you do not lose everything.
If you select specific stocks, then you do run the risk of them failing and losing substantially more. But you can also make a good deal of money.
The most basic rule of the stock market is the idea that the longer you stay in it, the better you typically turn out. (Money compounds over time, but if you are buying and selling positions frequently you tend to miss out on that)
I am NOT a financial expert, simply sharing what I have come to understand. Hopefully it helps
Before you start investing, it's crucial to understand the basics of investing, different asset classes (stocks, bonds, real estate, etc.), and the associated risks. are you investing for retirement, buying a home, or building an emergency fund? Your goals will help shape your investment strategy.
Don't put all your eggs in one basket. Diversification means spreading your investments across different asset classes (stocks, bonds, real estate) and within those classes (different companies or industries). This helps reduce risk.
I Invest in low-cost index funds or ETFs that track broad market indices, such as the S&P 500. These funds offer diversification across a wide range of stocks and can be a more passive, low-maintenance investment option. They are suitable for investors who prefer a hands-off approach and want exposure to the overall market.
I try to consider a mix of bonds and fixed-income securities to provide stability to my portfolio but i need solid advise.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Just what I needed to watch.
My wife and I are directors of our farm business and own property, plus small pensions. I am nearly 55, my wife is 52.
We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as stock, EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
Agreed. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Could you possibly recommend a FA you've consulted with?
'Sonya Lee Mitchell’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
she's mostly on TikToks, using the user name
You are so young and smart,got alot of knowledge at your age.I admire you,keep up your good works and videos
Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars
If you’re new to investing or have a more complex financial situation, It can be helpful to work with a financial advisor who can provide personalized guidance and help you make informed investment decisions.
That’s true, Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, , and in just a few months, I was able to earn over $950K in net profit from high dividend yielding stocks
I've been thinking of going this route of using an advisor. Could you recommend yours?
Google Sonya Lee Mitchell and do your own research. She has portfolio management down to a science
Impressive, i’ll most definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel.
I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
During a recession, investors must understand where and how to distribute capital in order to hedge against downturns while being profitable. If you are unable to navigate the market, speak with an expert advisor.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
That makes perfect sense; you seem to have a better understanding of the market than we do. The coach is who?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
I just Googled her name and her website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon. Thanks
A good, general message. Letting the click-baity title go, because it made me curious about what you were going say. I've enjoyed quite a bit of your content lately, but the BIGGEST compliment I have, for this video in particular, is that you are the first person I've seen change up the camera angle AND your focus point along with it! I've always felt like the change to an alternate camera angle, while the speaker is focused somewhere else, was making me feel like they didn't care about what they were saying or that that particular piece wasn't important. Your use of the alternate angle, along with continuing your focus on the camera, keeps the video interesting AND keeps me engaged, while feeling like everything you are saying is useful.
Thank you for more, good money tips/habits/suggestions and this very welcome change in shooting techniques. Looking forward to more, Steve.
Thank you for showing that calculator. That's a cool tool for planning.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
If you don’t understand the markets, stick to an index like the S&P 500. Dollar cost average and hold long term, or better still consider financial advisory to avoid losses
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
Wow, that's interesting . I've recently been exploring the option of working with an FA too. Any chance you could recommend who you work with? in her area and works for Empower Financial
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a geniusl Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.
Came here after watching Mark Moss post a vid about you… Left a thumbs up and sub.
Haha. I wonder how others feel about him making a video on a “20 year old.” Thanks for the follow Benjamin!
I just have to applaud your content man, well done. Long term investors know that the market and economy will recover eventually, and investors should be positioned for such a rebound. I gained $180k from bitcoin in 2021 before the market crash and now I'm buying again, adding more at a time. Having a good financial advisor like Veronica Hoy, it will add to your success in the crypto market.
I'm surprised that this name is being mentioned here, I stumbled upon one of Veronica Hoy clients testimonies on CNBC news last week...
Veronica Hoy strategy has normalised winning trades for me also and it's a huge milestone for me looking back to how it all started
Really you people know Veronica Hoy? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
The first time we had tried, we invested $1400 and after a week we received $5,230. That really helped us a lot to pay our bills.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
A huge part of retirement is getting out of debt. It helps you become less attached to things and image, which is critical to retiring with dignity and not having lifestyle creep
Completely omitting taxes and cap gains - love it, stay positive kids!
I know a lot of people from my generation (like me) who are getting married in 30s and having kids in their late 30s/ early 40s. Not to mention aging parents who will need your time/resources soon. So it all depends on what situation you are in and what your 10-20 year goals are.
That said, having a savings mindset is going to be important no matter what your goal is.
Also, if retirement is not a real short term possibility for you, I would rather you get really good at your profession and work at it with passion. Ultimately working to enjoy in your current job (8-10 hours of your day) is an option available to you right away. After all the idea of retirement is primarily hinged on doing with your time what you like.
I have learned so much with your videos I opened a investment account with Robinhood and have been saving $250 monthly ❤
Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Brooke Miller
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
This was a really great video Steve! You explained everything and actually completed this video so I didn’t have to wait on the next video that I may not see! Well done. Thank you!
3 years ago, I started investing with $300k, but I've only made about 6% total, or 2% per year, which my friends say is very low. I also put $800k into a 401k with a financial advisor, and it's now worth about $1.2 million after 10 years. I think I need to revamp my portfolio. Any advice on what to do with my money would be greatly appreciated.
I don.t really know your risk tolerance or asset allocation, sounds like just bad stock picking. Also unclear if the advisor is providing any other value via financial planning or other decision making. But likely-scenario is just bad stock picks. Index -funds, Etfs and -chill.
You should de-finitely fire your advisor! That's a bad financial-advisor. Over 5O years of data reveal that those who work with fiduciary advisors typically earn more than those who go it alone. I've been fortunate to work with one for 6 years, resulting in a $3 million-portfolio.
Your ad-visor must be really good. How I can get in touch? My re-tirement portfolio's decline is a concern, and I could use some guidance.
My CFA Carol Vivian Constable, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for sharing, I must say, Carol appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive.
Dude i love your vids you helped me so much in starting!!
Excellent.. very well explained... thanks 👍👍
Ah thanks so much!
My only regrets Is not understanding retirement and invest till now ,most I ever made was 40k yet I'm a home owner ,bills always on time and paid off 3 loans ,yet people will make 3 times that and are always crying broke ,if I'd know what I'm learning now I would be half way thru retiring
My retirement account has gone down by 13.7% in the past year due to rebalancing I did out of fear uncertainty and doubt. What are best alternatives to take in other to secure a financially free retirement and achieve ultimate peace? I don’t want to fail after 20 years of working hard.
If you want to rebuild your portfolio by yourself, without the help of an CFA… I will tell you it is near impossible. Even NewRetirement and co can’t do the job of an FA with expertise, a large following/client base and experience. Vet and hire one and begin to develop a rapport.
Actually true. My family has been working with one since I got married. That’s the best route you can take… honestly the safest
@@GibsonJames-gr3on Do you like call them or send an email or something to someone like that?
@@JasonAmir-qo4uo Yeah you can, there is a popular one called JOESPH NICK CAHILL. He is licensed and has over a decade of experience, he also works with all economic class of people.
Thanks for this tip. I have just Googled his name and his website came up right away. It looks impressive so far.
Good stuff
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
Another essential content. Good job Steve.
Another great video Steve
man 70-80k as teachers where do they work?! That's great for a teacher salary! In Ohio the median salary is 50k! But thanks for the video!
This is so very helpful. I think it's difficult to decide where to put money. It's rather daunting.
Great video!
Thank you for sharing.
Can you please do a video on if an IUL is a solid investment, and how to structure an IUL.
great video. very informative. I have started doing some of the things you have mentioned in your videos. automatic deposits and hysa. and my Roth ira is starting to build. thanks again for the work and info you share.
I follow a real content creators ... YOU Thanking you for all your hardwork ... You change my life SERIOUSLY...👍
Always appreciate the information you share
I can’t believe you actually said save 50% of 30k. If you’re making 30k you will never retire.
By yourself yeah you're probably right in them being screwed. Though there are help programs for people making that little.
However if instead of roughing it alone you find about 4 like minded people and all of you save 50% of your incomes then it starts to be doable. Super risky, but doable.
@@Lamentlogic The problem is that many people don't want to sacrifice in those ways. I absolutely HATE living with other people but having even just one roommate allowed me to save over $1,200 per month. This is after living alone my entire life. I won't live with people forever but I will in order to achieve my goals. My neighbor has 5 people in her house, they all rent a room. They each pay roughly $500 for all inclusive rent in a really expensive area. It can be done.
@@Lamentlogicthats your reasoning??
In theory you are right but be realistic for a second...
Finding 3 other trustworthy, financially literate people that only makes 30k a year...
Trying what you are saying is a good way to get in deep shit...
Really terrible advice...
@@Smp_lifting I did mention the risk being high. A proper life plan doesn't revolve around only making 30k your whole life though. If you are firmly locked in on never making more than that your whole life then you are going to need a trustworthy and tight team to pull it off. Is it great advice for your whole life, well no.... But is it amazing advice for someone getting started and then have that person work to get a better paying job well yeah actually that's a far better start then the defeatist idea well that wouldn't work where I am right this second in life so why even try.
@@Lamentlogic because High risk play have a poor expected outcomes.
Might has well spend every penny on loterie. Another high risk play but this wouldnt appear to be good advice. Neither is this.
At this income level you have to live as extremely poor. To have a shot at retirement.
And yes.
Increasing income.should be the highest focus.
But id say investing in improving your money making skills has a higher priority than living poor for 40 years. Only to keep being broke in your 70s.
If you only make 30k.
Dont invest with money, invest your money and time in yourself in your ability to generate income.
Question: So since Roth IRA has a cap on the amount you can contribute the money needs to be distributed in different accounts? Lets say the 30,000 a year savings (like the example) needs to be split between a Roth ira and taxable brokerage accounts correct? Or What kind of account are we putting that type of money with no penalty and still enjoying the growth after 4% rule
THAT WAS GREAT!!
How about taxes ?! 😅 and 60% how realistic …
Yes! Thanks for saying that. This math is not taking into account taxes and benefits.
And live off 40%😂😂😂 what an idiot.
When you're maxing out your tax-advantaged accounts (401K if applicable, Roth IRA, VA 529, HSA, etc.) it can significantly lower your tax liability. Nearly all of the other account such as VA 529 (for education) and HSA (for health) can be converted after retirement age into regular retirement accounts as well.
Thank you I have been waiting on you for this video
Housing should be 30%.
But 30% of what? Gross or Net??
You are good my dude. Good content
Great video Steve! I agree with what you teach.
Where would you allocate the 60% of savings if a Roth IRA max contributing is 7k a year? Where do you invest the rest with a 10% return in investment?
Brokerage account
I love your strategies. Thank you
Thanks Scotty!
Thanks for the information, I surely have to do some investigation for myself, but you gave me some inspiration
what was the retirement calculator you were using?
So a real question is if I want.to live off dividends before retirement, what type of brokerage is best, or is a trust better? I have a roth ira, so I'm not looking for a traditional ira. Looking for other options... ideas
OMG the math to figure out your FU# is (desired annual income) x 25. For example $100,000 x 25= 2.5M
I’m confused. If you get $50,000 a year from your job and you save 60% how much are you putting in your ROI account?
The problem with these retirement accounts is that you get penalized if you withdraw before 59 which imo thats too long. Im torn between putting my money in a roth ira or taxable brokerage account because if i do want to retire before 59 then I dont get penalized
You should leave in, and enjoy compounding interest. Of course non-financial advice but just saying.
Is there a link to this calculator
If I originally rolled over my employer 401k into my bank IRA after I was no longer employed with the company. How easy is it to transfer my IRA money from my bank to a Fidelity Roth IRA?
This video was AWESOME, thank you so much for sharing and being such an inspiration!!! 🙌🏻
I think you forgot that when you make $100k+ you lose upwards of 35% in taxes in deductions so saving 50% leaves you with 15% which would be impossible to pay for essentials (40%) in your example. I get your point but you have to be realistic too.
Thank you very much sir for this wonderful video. Whenever you feel like giving up, please remember that you're inspiring a soul and changing a life.
thank you so much!
I would love to invest 50% of my income in a Roth IRA but it exceeds the yearly contribution limit, what can I do? Am new to this, any suggestions would be much appreciated thank you
I'm new to trading, and I've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
As a beginner, it's essential for you to have a pro or a very good trader to keep you accountable.
Someone like expert Nancy Williams Laplace
Omg! Nancy's strategy has made winning trades a regular occurrence for me as well! It's a huge milestone when I think back on how it all started.
Amazing! I'm so surprised to see Ms. Nancy being mentioned here under this comment!
Trading is difficult, I'd spend the five grand on education for trading. It's not easy. Investing is different, that's easier. Short term or long term gain is the question.
Hi Steve. I have fidelity. Can I invest in SCHD from that account or do I need to open a SCHWAB account?
Yep! I have SCHD in my Fidelity account too!
@@CalltoLeap Thank you for responding.
How do you apply the information you suggested in the video if you are only allowed a maximum of 8k contribution a year in a roth IRA? I am new to all of this and approaching 50. Thank you!
You can also open a TBA to continue investing
Excellent video! If you plan to retire in 10-15 yrs would you still recommend using a Roth IRA (since you can’t take out earnings) or should you just use a brokerage account and follow the S&P on there instead?
For me, I would invest in both accounts, but it’s up to you!
You can take out earnings after 5 years. First in...first out.
Thank you
I noticed you did not take inflation into the equation
Thank you for opening my eyes to a completely new and positive future. You have inspired me to start investing. With your easy to understand explanations I have now built the courage to start, as you know this subject of investments can be quite overwhelming for someone like me who doesn’t know where to start. Great videos, keep them coming!
Yeah such an eye opening save 60% and live with 40%😂😂😂😂😂😂😂😂
Thank you ❤❤
How do you feel about having 500k in your Roth invested in 8% dividend etfs like JEPQ and other 8-12% dividend stocks. Tax free dividends. I had 100k in JEPQ and i was receiving 800 bucks a month for one year. I sold and am now in growth etfs. But my plan is to do this in retirement
if you are going to get SS or other retirement, you can subtract that from your needed annual income.. That will cut that total from 40k a year in half.
If I had 60% of my income freed up, I would t need this video
Can these strategies work from outside of the US?
Does your formulas take into consideration income tax when one wants to “save 60%”?
Great content Steve! But I see you have been making the basic/essential content for a long time now, any reason not sharing the advance knowledge?
By the way, I am also on a financial freedom journey!
I’m really grateful that Steve has been teaching the basics. Most of us have never been taught the basics, so it’s really helpful to many, many of us.
I’m sure that he has more in depth videos for those who are interested in them. You can try scrolling through his videos. I’m sure that you will find videos for you.
Personally, I’m a newbie, so repetition of the basics is instrumental to me learning.
@@NothingBtBlueskiesI agree, most of the viewers and new investors need to understand the basics well. But for the true basics we don’t really need these many videos, 1 video showing spending in SPY and daily cost averaging and reinvesting dividends till you retire is sufficient.
I have watched Steve’s videos and love his content for the basics. But I wanted to know if he wants to just appeal to new investors only or can he share how he actually became a millionaire, trust me it takes 30+ years to invest $500 a month to become a millionaire status which definitely is not the route Steve took.
I ❤ your channel
I know it’s risky but you can invest in stocks like Apple or nvidia and potentially double your profits over the s&P 500
So learning about the market and diversifying a little bit can’t be that bad
Great information
I wish I know this sooner!
I can't save 50% due to expenses, but I CAN invest something.
I already have a Roth in a 457 through my work. So i cant just open another, correct? I already put in the max per year in that one. Regardless, Thanks for the content. I appreciate how u break down confusing concepts!
U can also have a Roth IRA. I have both.
Yes you can
Can you imagine a life with no debt? If you sit and think about all your bills right now and not having to pay them how wld your retirement look. The problem with most people is that they retire the pay debt off. If you buckle down and and get a side gig or w/e and take about 2-4 years to just knock out debt, then you then take the next 8-10 years putting that same money you were using to the marjet and 401k’s and simultaneously pay off your mortgage. Most ppl bills are 65-80% of their take home pay, what if 65-80% was your investment every month? Its not rocket science.
So this isn’t going in a Roth right?
I'm a single, 43-year-old father who resides in Hamburg. If everything continues to go well for me, I intend to retire at age 50. I couldn't be happier right now than I am that I just bought my first house last month. I'm so happy that I made wise choices that altered my life forever.
Salutations, dude. At your age, you're doing extremely well. I'm 54 years old, and right now my finances are a mess. Any helpful advice would be greatly appreciated in helping to mold my life. I want to buy a home of my own.
It seems like I used the FIRE movement to manage my finances. Investigate it further by doing some research. With the help of a financial professional, they were then successful when investing in stocks, cryptocurrencies, and real estate.
I appreciate your nice words and would like to get in touch with your account management consultant.
Google Sophie Lynn Carrabus and do your own research. She has portfolio management down to a science
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Julie up and send her a message. You've truly motivated me. God's blessings on you.
Hi Steve. I am 50 and was wondering how I can contribute more than the maximum of $8000 into my ROTH IRA? Is there some other account I can use to buy more ETF/Mutual funds?
10% interest isnt taking inflation into account. it should be more like 7%
We can then also factor in contributions affected by inflation too. We most likely will invest more in the future as we make more
Really save 50% of a salary? Imagine someone making 50 to 80k how it’s possible for that someone to live on 50% of a 80000 salary ? Which is 40000, with the price of food, housing childcare for some people,car insurance gaz etc … how realistic is that?in the USA?
Bruh ive been living my entire life off 35k and so have all the people around me me wtf u mean 😂 some of yall are so privelaged and outta touch its crazy
Of course you can. If the price is to never have to work again your entire life. And not only that, also, your net wealth well be growing with the 4% rule.
Yes there is a price to pay.
Why would I choose to work 30 years and save 10% over working 10 years only but save 50%?
There are some exceptions including some professions that get much paid with the time
If you're single or a childless couple and know where your expenses are going, it's not *that* hard. Housing is the biggest fixed cost, so if you can get that down (either by finding a deal or living with a roommate/your parents/your SO/etc) you've got a much bigger pot to work with starting out. Then you just budget so you know what your variable costs are (utilities, food, gas, car insurance, fun money, etc) and if they put you below that 50% savings, work on reducing it in various ways. Cook more, turn off the lights/conserve water, take public transport/carpool/ grocery shop at a place that gives you fuel points/etc.
For perspective, I'm single and easily saving that much on a 70k salary even though my rent is ridiculous, because I smiply don't feel the need to spend that much right now. It just depends on what your lifestyle looks like tbh, and I don't mind forgoing a few fun things now to enjoy my life a lot more 5 years from now.
You can Definitley live off 2 grand a month unless u live in a big city with expensive rent, if you have a roomate, never go out to eat, no subscriptions, no shopping then it’s very doable
You only need to eat once a day to be honest unless you want to stuff your face all day. I live off about $25,000 a year and save about $10k a year. Stop living for others expectations or for your instagram. No one really cares. Find a way to live below your means for a while and you’ll thank yourself later
I feel like most people are spending near 50% on rent alone
If you were me and had aprox 230,000 and were turning 65 next month and have a pension, what would you do with the 230,000 so that it can produce some passive income in 5 years?
Thanks,
E