Im going the other way... Living well within my means now so if I can retire with a small amount Im used to living with less... Don't need fancy shit every 5 mins
That’s the way to go. Ppl including myself get disheartened with the big number at the end but if you chip away at it you’ll get there. I wish I started 15 years ago but you can’t cry over spilt milk
I’m confused. You said you need $800k at 65 for a comfortable retirement. I did the calcs. To retire comfortably at 65 (if debt-free), you need about $400k at 65 (you get a part-pension too).
Thats right, she is not taking into account the pension, at 67 a couple can have $450,000 in the bank and still get the full pension if their earnings are less than roughly $10,000 a year from bank interest.
@@geraldtrik6826She also didn't include the income the fund will still generate which will be substantial at $800000 , probably $450000 per year , so if you can live on $60000 you are only using $15000 from the balance each year. Super rough numbers here , there's fees and inflation but she should have mentioned it .The income could kill your pension but there are ways around it , remember they only look at assets 5 years back before you apply for the pension so once your assets are close to the threshold where it starts reducing pensions payments do some careful placement of money , assets etc 5 years before that if you can.
Some of these numbers are not helpful. If you have $800K in super you would not be eligible for a pension, in fact you would probably be worse off. Many people who are 60 now have not had the benefit of having super all of their working lives
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
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 $800,000
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
📌 I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.
The best thing I can do now is to invest in bitcoin, which has many better advantages over other cryptocurrencies. Although I haven't fully understood it yet, but l've been able to earn 500$ everyday since I started trading with CHRISSY BARYMOER , which I couldn't imagine before
When I saw testimonies all over the place I thought it was all made up stories till I was convinced and gave it a try and honestly I don't regret the move i made because I invested in a big way
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $187k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@@TomD226 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.
Actually, I'm not sure if I'm allowed to mention this, but I'd recommend looking up Camille Alicia Garcia because she was a big deal in 2020. She manages my portfolio and serves as both my coach and my manager.
The $40000 per year times 20 years =$800000 assumes the fund generates no income from the start of retirement.Surely it would still generate about 7% per year , so roughly $45000 per year minus inflation and fees but still not zero ?
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@David-n8o However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
Every time I see or read an article on how much to retire, they never mention rent. I can only assume these numbers assume you are a mortgage free home owner, something that should be explcitly stated at the beginning. Maybe Effie can do the same show using a retired couple paying $500 to $700 a week rent like many Australians do.
Big ups to everyone working effortlessly trying to earn a living while building wealth. I am 50 and my wife 44 we are both retired with the net worth of over $3million with no depts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now earn monthly through passive income.
What kind of investment do you make? I totally agree with you. I have a lump sum that does almost nothing in a savings account. But it is difficult for me to participate in certain types of investments at the moment due to the full-time nature of my job. It will be way too stressful to combine so I don't even think about.facing it.
@@alyciagordon3447 Generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (Alexandra Diana Jose) a consultant who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy... So I'd advise you do get a good investment advisor for yourself.
@@alyciagordon3447 She is easy to find , make a quick research of her on the internet with her name Alexandra Diana Jose . She works with anyone independent of their location.
Tnx for this info, I just looked up your investment professional and found her page. Her experience is pretty impressive. I wrote her and I'm waiting on her reply.
A Financial Planner told me Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. How can take advantage of compound interest and potentially grow your retirement savings overtime?
That is exactly the reason I stopped trusting the financial advice of TH-camrs; in the long run, I only end up with a jumbled collection of stocks and bonds. Whereas all I needed to earn over $350k in less than two years was guidance from a true market expert.
Retirement becomes truly fulfilling when you possess two essential elements: simple financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement. My question now is how to get a good fianancail advisor that I can invest with and have good returns before retirement age .
I did the basics, I measured actual essential expenses over 3 years without inflation allowance prior to retirement. Comfort and living expenses, with no mortgage - two old cars -but an older home, with maintenance expenses , so I added $15k per year to enjoy retirement - in a low to mid financial suburb; total retirement expense cost me $123k per year. The so called experts are Bull S. for a comfortable life. If the base is a comfortable life, based on the average pre retirement income of a loving couple in there 60's then the post is bull twacky. You need more to retire than the experts are stating. By spending my super on an overseas holiday, I can become a drag on society via claiming a partial age pension. I don't think our children should pay for my retirement , nor do I a believe I should spend just t o claim a pension. Something is wrong?
Iam a 55yr Grandmother caring for my 9yr old grandson who is autistic i don't think will be returning to work could close my super any thoughts please.
How about the growing number of single people approaching retirement still with a significant mortgage debt? Housing costs were not on the list in the video.
Yeah.. .it's always a shithole until you get sick and need the Australian medicare system. My 3 times divorced brother who gave away 3 houses, supported 8 kids and was twice declared bankrupt owns a nice 2 bedroom apartment and receives a full pension. He has an ok car, a bit in savings and lives quite nicely on the pension. He was always a tradesman, never earned massive money and never drank or smoked which is why he has savings and was able to live up to his financial obligations. All the people I know retiring in Asia made seriously bad life decisions along the way. I've travelled to Asia hundreds of times in my career, and trust me, Thailand for the better part is a shithole that just has cheap beer. And seriously, if you couldn't afford your own place in Australia back in the 70's or 80's, my first property cost me $63,000 in 1983 and was a 2 bedroom waterfront apartment on a Sydney beach. Stop your whining pal. Having travelled the world there's few places I'd live and Australia is one of the best.
Yep and this Regime that has ushered in Mass Immigration creating a housing shortage and mass homelessness whilst destroying the aspirations of young Australians ever owning a home…criminal.
Investing in the stock market is the best option for a retiree to make a passive income. Virtually all the markets are crazy, most people pay more attention to the shiniest position on the graph, I’m keeping a diversified portfolio.
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal.
@@theresagarcia1218Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
@@helenoliver4838 My consultant is 'PRISCILLA DIANE AIVAZIAN" I found her on a CNBC interview where she was featured and reached out to her afterward. She has since provided entry and exit points on the securities I focus on. You can look her up online with her name if you care about supervision. I follow her trade pattern and haven’t regretted doing so.
Well as a soon to be 65 year old I’m hoping after getting heart inflammation from the 1st of 2 Coerced Mandated mRNA💉💉 (No Jabs No Job) shots; that my lifespan has not been sabotaged, the excess deaths however suggest otherwise. I’ll Never Forgive or Forget.
Everybody close to retirement already knows most of these. Real question is where and how to go about these investments factoring the inflation rate. Is there even any other option besides the much talked about crypto?
Has got to be foreign exchange!!! I made my first million through it earlier this year as a newbie after I met a pro in the game,, The inflation under Biden can get worse for all I care. I'm almost certain of a happy retirement
@@michaelchad5241 'Nancy Lynn Lewis' is the name though, she was in the news when she revived Grumac in 2018,, You can look-her up online to get more info
@@franciscogonzalez4301 How does this whole bitcoin thing work, I'm interested in it and I'm willing and ready to invest heavily in it but I'm gonna need an assistant from any professional
@@miriamglamrose2916 Bitcoin has been the most profitable investment online, if only you could trade with professional broker. that will work you through the process needed
That background music is loud and annoying. It drowns out the message.
Whatever you need, its probably gone up more than 25% since this video was posted!
Im going the other way... Living well within my means now so if I can retire with a small amount Im used to living with less... Don't need fancy shit every 5 mins
Wise words mate.
That’s the way to go. Ppl including myself get disheartened with the big number at the end but if you chip away at it you’ll get there. I wish I started 15 years ago but you can’t cry over spilt milk
Haha! Yeah, eating shit sandwiches now so when I’m eating dog food during retirement I’ll feel okay.
Great logic.
I’m confused. You said you need $800k at 65 for a comfortable retirement. I did the calcs. To retire comfortably at 65 (if debt-free), you need about $400k at 65 (you get a part-pension too).
Thats right, she is not taking into account the pension, at 67 a couple can have $450,000 in the bank and still get the full pension if their earnings are less than roughly $10,000 a year from bank interest.
@@geraldtrik6826She also didn't include the income the fund will still generate which will be substantial at $800000 , probably $450000 per year , so if you can live on $60000 you are only using $15000 from the balance each year. Super rough numbers here , there's fees and inflation but she should have mentioned it .The income could kill your pension but there are ways around it , remember they only look at assets 5 years back before you apply for the pension so once your assets are close to the threshold where it starts reducing pensions payments do some careful placement of money , assets etc 5 years before that if you can.
Some of these numbers are not helpful. If you have $800K in super you would not be eligible for a pension, in fact you would probably be worse off. Many people who are 60 now have not had the benefit of having super all of their working lives
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
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 $800,000
Mind if I ask you to recommend this particular coach you using their service?
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
📌 I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.
-“.wanted to trade, but I got discouraged with the market price fluctuations
Can you recommend a guide for me?
The best thing I can do now is to invest in bitcoin, which has many better advantages over other cryptocurrencies. Although I haven't fully understood it yet, but l've been able to earn 500$ everyday since I started trading with CHRISSY BARYMOER , which I couldn't imagine before
When I saw testimonies all over the place I thought it was all made up stories till I was convinced and gave it a try and honestly I don't regret the move i made because I invested in a big way
How's He contacted. I really need his assistance
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through a wealth manager, and my dad through the 401k.
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $187k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@@TomD226 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.
Actually, I'm not sure if I'm allowed to mention this, but I'd recommend looking up Camille Alicia Garcia because she was a big deal in 2020. She manages my portfolio and serves as both my coach and my manager.
@@TomD226 Scammer
Aussie female retired at 50. BUT i had to leave Australia to do it. Best decision i ever made!
Bali?
How much do you have to retire on?
Based on this video, I’ll never be able to retire & will need to work until I die on the job - welcome to the Australian way of life - yeah right
I'm sorry to hear this mate. I've often felt overwhelmed at the prospect of retiring myself. I'm 41. Do you mind me asking how old you are?
@@ben10the10 thank you for kind wishes - all’s good & it is what it is - there are many people far worse off than me - I’m 66
Best to keep working anyway retirement for most people is a bit boring
@@Mmm-y5w8o I concur - as I have no option 👍🙏
The $40000 per year times 20 years =$800000 assumes the fund generates no income from the start of retirement.Surely it would still generate about 7% per year , so roughly $45000 per year minus inflation and fees but still not zero ?
absolutely fucking insane right haha, surprised they didnt mention this.
I’m glad you mentioned that. For a minute there I thought I was going mad.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@David-n8o However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
@@Marten_t Oh please I’d love that. Thanks!
@@David-n8o Clementina Abate Russo is her name
Lookup with her name on the webpage.
Every time I see or read an article on how much to retire, they never mention rent.
I can only assume these numbers assume you are a mortgage free home owner, something that should be explcitly stated at the beginning.
Maybe Effie can do the same show using a retired couple paying $500 to $700 a week rent like many Australians do.
Big ups to everyone working effortlessly trying to earn a living while building wealth. I am 50 and my wife 44 we are both retired with the net worth of over $3million with no depts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now earn monthly through passive income.
What kind of investment do you make? I totally agree with you. I have a lump sum that does almost nothing in a savings account. But it is difficult for me to participate in certain types of investments at the moment due to the full-time nature of my job. It will be way too stressful to combine so I don't even think about.facing it.
@@alyciagordon3447 Generally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (Alexandra Diana Jose) a consultant who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy... So I'd advise you do get a good investment advisor for yourself.
@@davidreus9321 please how do i get in touch with her
Impressive. Would you mind sharing some more details. I’d like to have a talk with her.
@@alyciagordon3447 She is easy to find , make a quick research of her on the internet with her name Alexandra Diana Jose . She works with anyone independent of their location.
Tnx for this info, I just looked up your investment professional and found her page. Her experience is pretty impressive. I wrote her and I'm waiting on her reply.
A Financial Planner told me Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. How can take advantage of compound interest and potentially grow your retirement savings overtime?
In times like this it is better to seek help from a professional as such key decisions are better guided by experts with market experience.
That is exactly the reason I stopped trusting the financial advice of TH-camrs; in the long run, I only end up with a jumbled collection of stocks and bonds. Whereas all I needed to earn over $350k in less than two years was guidance from a true market expert.
Thanks for replying, That's a very impressive return, You must have a good idea of stocks. How did you go about it?
I just ran a search with her name out of curiosity and came across her web page, I wrote her an email hope she replies soon.
More important. Will Australia let you in ?
Retirement becomes truly fulfilling when you possess two essential elements: simple financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement. My question now is how to get a good fianancail advisor that I can invest with and have good returns before retirement age .
What the heck does a retired person spend 50k a year on if their home is paid off?
@Dave Thorne loooool holiday from what?
@@alaydrus89 bike parts
pokies
Holiday
Surgery
Seeing Dentist
Buying classic cars
Renovating home
11 horses
I did the basics, I measured actual essential expenses over 3 years without inflation allowance prior to retirement. Comfort and living expenses, with no mortgage - two old cars -but an older home, with maintenance expenses , so I added $15k per year to enjoy retirement - in a low to mid financial suburb; total retirement expense cost me $123k per year. The so called experts are Bull S. for a comfortable life. If the base is a comfortable life, based on the average pre retirement income of a loving couple in there 60's
then the post is bull twacky. You need more to retire than the experts are stating. By spending my super on an overseas holiday, I can become a drag on society via claiming a partial age pension. I don't think our children should pay for my retirement , nor do I a believe I should spend just t o claim a pension. Something is wrong?
Retire from what?
From working for an employer. But you can still work at home, by starting up your own business.
Iam a 55yr Grandmother caring for my 9yr old grandson who is autistic i don't think will be returning to work could close my super any thoughts please.
How about the growing number of single people approaching retirement still with a significant mortgage debt?
Housing costs were not on the list in the video.
I can NOT afford to retire in Australia, so I am living in Thailand, and plan to stay here. Australia is fast approaching “Shithole” status.
Yeah.. .it's always a shithole until you get sick and need the Australian medicare system.
My 3 times divorced brother who gave away 3 houses, supported 8 kids and was twice declared bankrupt owns a nice 2 bedroom apartment and receives a full pension.
He has an ok car, a bit in savings and lives quite nicely on the pension.
He was always a tradesman, never earned massive money and never drank or smoked which is why he has savings and was able to live up to his financial obligations.
All the people I know retiring in Asia made seriously bad life decisions along the way.
I've travelled to Asia hundreds of times in my career, and trust me, Thailand for the better part is a shithole that just has cheap beer.
And seriously, if you couldn't afford your own place in Australia back in the 70's or 80's, my first property cost me $63,000 in 1983 and was a 2 bedroom waterfront apartment on a Sydney beach.
Stop your whining pal. Having travelled the world there's few places I'd live and Australia is one of the best.
Yep and this Regime that has ushered in Mass Immigration creating a housing shortage and mass homelessness whilst destroying the aspirations of young Australians ever owning a home…criminal.
Life expectancy is the only thing you can control
Investing in the stock market is the best option for a retiree to make a passive income. Virtually all the markets are crazy, most people pay more attention to the shiniest position on the graph, I’m keeping a diversified portfolio.
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal.
@@theresagarcia1218Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
@@mayacho4910 who would you endorse? I've been in the shadows for too long
@@helenoliver4838 My consultant is 'PRISCILLA DIANE AIVAZIAN" I found her on a CNBC interview where she was featured and reached out to her afterward. She has since provided entry and exit points on the securities I focus on. You can look her up online with her name if you care about supervision. I follow her trade pattern and haven’t regretted doing so.
@@mayacho4910 Thank you so much! Found her webpage and left a message. Hopefully, she responds.
I need the age for the woman how old will be and man 👨
Some comments here seem a little staged….
yeah; lots of horsehit here.
Well as a soon to be 65 year old I’m hoping after getting heart inflammation from the 1st of 2 Coerced Mandated mRNA💉💉 (No Jabs No Job) shots; that my lifespan has not been sabotaged, the excess deaths however suggest otherwise. I’ll Never Forgive or Forget.
Too much, take your money and go love in a cheaper one. Only thw rich can afford oz now
Everybody close to retirement already knows most of these. Real question is where and how to go about these investments factoring the inflation rate. Is there even any other option besides the much talked about crypto?
Has got to be foreign exchange!!! I made my first million through it earlier this year as a newbie after I met a pro in the game,, The inflation under Biden can get worse for all I care. I'm almost certain of a happy retirement
Now you have my attention. Who's the knight in shinning armour. The thoughts of retirement alone gives me the chills.
@@michaelchad5241 'Nancy Lynn Lewis' is the name though, she was in the news when she revived Grumac in 2018,, You can look-her up online to get more info
Yeah...buying a tent at Academy and living down by the river...
@@tomthetalker4442 Wow I know this funny lady. Once listened to her podcast. Great speaker, full of humor and rhetorics
The background music was pointless, annoying and totally unnecessary .
Superannuation is going backwards.
Which super company are you with and what’s your investment option?
@@NoRegertsHere NGS - just the default option.
In few months or no time people will definitely start kicking themselves in regret for missing the opportunity to buy or invest in cryptocurrency.
Bitcoin is the future, Investing in it now will be the wisest thing to do especially with the current rise
@@franciscogonzalez4301 How does this whole bitcoin thing work, I'm interested in it and I'm willing and ready to invest heavily in it but I'm gonna need an assistant from any professional
@@miriamglamrose2916 Bitcoin has been the most profitable investment online, if only you could trade with professional broker. that will work you through the process needed
@@franciscogonzalez4301 how do I get a professional broker to trade for me, I have been trading on my own and blowing up my account
@@paulosousa1119 I will advise you to try expert Catherine Gusman her trading strategy is really working for me
im out this b
So what your saying is a blue collar shit kicker can never afford to retire......mmmmmm. Fantastic...!!!
1 million plus 🙏😉👍🤔😁😳👀🫣😩😉😉😉