October RETIREMENT Portfolio UPDATE (Meh) + YouTube Income💲

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  • เผยแพร่เมื่อ 27 พ.ย. 2024

ความคิดเห็น • 178

  • @Broker-in-Maine
    @Broker-in-Maine 7 วันที่ผ่านมา +1

    My wife is a teacher in Maine and looking at retirement at 59. Your videos are so neat and organized. That’s the teacher in you. Lol. It’s great to see someone share their personal financials so others can learn and see what’s possible. I hope you and your daughter and enjoying a warm breeze by the ocean this week in Mexico. Cheers~ 😎❤️🥂

    • @HappyonMonday
      @HappyonMonday  7 วันที่ผ่านมา +1

      Thank you!! We had a wonderful time! ☺

  • @jonscrivner9087
    @jonscrivner9087 26 วันที่ผ่านมา +13

    Nice neat and clean finances. Good cash flow and a solid debt free net worth. You really should be proud.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +1

      Thank you so much! ☺

  • @Jacquie_Kirk_111
    @Jacquie_Kirk_111 27 วันที่ผ่านมา +16

    Great video. This month I had dental work, car oil change and spark plugs replaced, computer died, cell phone died, and water heater broke. It's an expensive month!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +2

      Thank you! Oh wow tough month!! 😳

  • @prius61mpg
    @prius61mpg 27 วันที่ผ่านมา +9

    Thanks for the portfolio update. I'm semi retired currently,, and just a few years younger; and have been on ACA for the last year. It's expensive!! I'm thinking of changing my plan to a cheaper alternative. Health insurance is the wild card in early retirement. A huge health emergency can certainly set anyone back financially.
    At the same time, I realize that I'll never be this young again, and that time waits for no one. So I struggle with the decision to fully retire. Great content btw. I've watched your videos from the beginning and see the amazing progress in quality!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      You're welcome! Yes, health insurance is a big hurdle for sure. Thank you!! 🙂

  • @deva387
    @deva387 25 วันที่ผ่านมา +2

    I love your honesty and humility in sharing your retirement portfolio figures. Supporting you from Singapore.

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @@deva387 Thanks so much!! 😊

  • @rroumeli
    @rroumeli 27 วันที่ผ่านมา +8

    My month was meh, too. Better than a major drop! Have a wonderful vacation, Julie! Looking forward to hearing about it and where you found that great deal when you get back.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +2

      I think most people had a meh month. 😆 Thank you I will! ☺

  • @stacyprice700
    @stacyprice700 27 วันที่ผ่านมา +6

    I enjoy watching you on youtube. I am 53 yrs old and hope to semi-retire between 55 and 58 yrs old. Thank you for sharing how this can be possible.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Thank you and you're very welcome! ☺

  • @ArmyVetlady-m6k
    @ArmyVetlady-m6k 25 วันที่ผ่านมา +2

    Thanks for sharing this great detailed video! 👏🏾👏🏾
    Enjoy your well deserved vacation in Mexico! 🇲🇽 Sounds like you got a great deal! 😀🙌🏾

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @ArmyVetlady-m6k Thank you I will! 😊

  • @nateCA
    @nateCA 26 วันที่ผ่านมา +5

    Great, video! I appreciate the transparency and detailed numbers on retirement, your bill’s situation and even what you’re spending on vacation etc.
    I’m early 50s and in my planning phase, so this info is refreshing and very helpful 😊
    Enjoy your trip 🎉

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +1

      Thank you!! I'm glad it's helpful! ☺

  • @scottPC9479
    @scottPC9479 26 วันที่ผ่านมา +2

    I love how humble your reporting is... keep fighting the good fight!

  • @nanceebirdlover5222
    @nanceebirdlover5222 27 วันที่ผ่านมา +4

    Love your videos! Very relatable and encouraging for people like me who were overwhelmed by the 'gotta have a million to retire'.
    Thankyou,please keep posting!!!❤

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      @@nanceebirdlover5222 Thank you!! I will!😁

  • @tonylevine2716
    @tonylevine2716 27 วันที่ผ่านมา +3

    Always enjoy your monthly updates! It’s one thing to have a plan but another to execute it! Great job, and continue to prove the haters wrong! 🙏🏾❤️

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +2

      Thank you so much!! ☺

  • @FIRE_DrNinjaTurtle
    @FIRE_DrNinjaTurtle 27 วันที่ผ่านมา +6

    I am stopping on my drive across the country to comment. I have so many miles listening to you. I am 1/4 of the way to getting 1K subs. My portfolio went down this month but I got a second class to teach through Christmas so this will give me income in December and January which are usually dry months for teaching income. I am diversifying like you. My net worth is similar to yours but I cannot live on my net worth. I can only live on my pension, adjunct teaching income, and rental properties. I have paid off all the rental down payments so my renters are paying off my properties and giving me a tiny income 😊

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      That's awesome! I'm glad you got another class to teach. You have a great plan with your rentals! Thanks! ☺

  • @ibenglish
    @ibenglish 26 วันที่ผ่านมา +2

    You had me at extra mortgage payments 😁. I am right behind you just dipping under the 30k mark this month. You are doing very well so enjoy your trip and smile. 🌹👍🏻

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      That's awesome! Thank you! ☺

  • @JD-tn5tb
    @JD-tn5tb 26 วันที่ผ่านมา +5

    25k grown in 4 months sounds great!

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      Yes I'm very happy with it!!

  • @TVResults
    @TVResults 25 วันที่ผ่านมา +1

    Enjoy your trip! Blessings

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา +1

      @@TVResults Thank you! 😊

  • @karimot6236
    @karimot6236 27 วันที่ผ่านมา +3

    Good video. I love the updates, and it’s encouraging to see the overall growth of your portfolio. Enjoy Mexico !

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      Thank you!! 😊

  • @jackiebowen6239
    @jackiebowen6239 27 วันที่ผ่านมา +2

    Such good advice in that quote today, Julie. Congrats on the TH-cam income! 💜

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      @@jackiebowen6239 Thank you! 😊

  • @joecharrette9335
    @joecharrette9335 25 วันที่ผ่านมา +1

    I’m two weeks away from my retirement. I have my first winter getaway planned for the entire month of February of 2026 to South Padre Island, TX as February is still off season down there. I’m definitely looking forward to escaping old man winter for a month.

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @@joecharrette9335 Congratulations 🎊 That sounds like a wonderful trip! 😊

  • @mrich2245
    @mrich2245 21 วันที่ผ่านมา

    Thank you for the update!
    I'm looking forward to when I can make the leap. I need to get my buckets built up- home is almost paid, but ready to downsize. You're doing great, very inspiring!

    • @HappyonMonday
      @HappyonMonday  21 วันที่ผ่านมา

      @@mrich2245 That's awesome!! You'll get there!! 😃

  • @geraldinegranger9186
    @geraldinegranger9186 23 วันที่ผ่านมา

    I love your channel. It’s an oasis of common sense!

  • @mickster1780
    @mickster1780 27 วันที่ผ่านมา +3

    way to go Julie you're practically a millionaire!
    oh and btw, my portfolio was down 0.8% thanks to that rough last day of the month

  • @elizabethmason6792
    @elizabethmason6792 16 วันที่ผ่านมา

    Thanks for sharing 😊. this is so helpful.

    • @HappyonMonday
      @HappyonMonday  16 วันที่ผ่านมา

      You are very welcome! ☺

  • @lulucly
    @lulucly 26 วันที่ผ่านมา +1

    Always appreciate your information. I managed an inexpensive month. Hope the rest of the year is financially calm!

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      @@lulucly Thank you! Good for you! Me too. 🙂

  • @hardyfinancialcoaching
    @hardyfinancialcoaching 23 วันที่ผ่านมา

    I just found your channel and you are an inspiration to so many (including myself). To see what you’ve accomplished in a relatively short time is incredible. Also your TH-cam channel has done super! I hope one day my channel can have this type of following! You should be proud of yourself!

    • @HappyonMonday
      @HappyonMonday  23 วันที่ผ่านมา

      Thank you so much!! 😊

  • @oldgadfly8398
    @oldgadfly8398 26 วันที่ผ่านมา +1

    Thank you for the update. Wishing you well and hope you enjoy your time.

  • @CurtisRetiredLife
    @CurtisRetiredLife 25 วันที่ผ่านมา

    Another great video Julie, I enjoy the portfolio updates. I laughed at "Meh", but when you are an investor, as opposed to a trader, short term performance doesn't matter as much, and your last 4 months looked good to me.

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @CurtisRetiredLife Thank you! I agree I just don't like to see it down. Lol 😁

  • @mymusicalsons
    @mymusicalsons 18 วันที่ผ่านมา

    I'd love to know about your ACA costs. Looking forward to the video!

    • @HappyonMonday
      @HappyonMonday  18 วันที่ผ่านมา

      @@mymusicalsons I'll have that figured out and make a video in the next few weeks! 😊

  • @ALT-ge2jb
    @ALT-ge2jb 27 วันที่ผ่านมา +1

    You are an inspiration! Thank you for all your useful information, and I always enjoy your quotes.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Thank you and you are welcome! 😁

  • @CourtneyRobinson
    @CourtneyRobinson 24 วันที่ผ่านมา

    This is great Julie!❤ Have a wonderful trip.

    • @HappyonMonday
      @HappyonMonday  24 วันที่ผ่านมา +1

      @@CourtneyRobinson Thank you! 😊

  • @kimwieczorek1879
    @kimwieczorek1879 6 วันที่ผ่านมา

    Smart to refinance to 15 yrs.❤🎉 We paid off our house too.

    • @HappyonMonday
      @HappyonMonday  6 วันที่ผ่านมา

      Yes it saves a lot of money in the long run! Awesome!! 😀

  • @nncadi1
    @nncadi1 27 วันที่ผ่านมา +2

    Love, love your videos. So relatable. Have fun in Mexico.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      @@nncadi1 Thank you!! 😊

  • @michaelh2798
    @michaelh2798 26 วันที่ผ่านมา +1

    Youve done an amazing job, really.

  • @OurRetireEarlyJourney
    @OurRetireEarlyJourney 27 วันที่ผ่านมา +1

    Love the positive vibes Julie. October was only the second down stock market month this year, so we’re still winning the long game. We really like you don’t bring in your home and vehicle into the liquid net worth updates. We see so much focus on homes and cars as assets. We view them as liabilities because you have to pay to upkeep and support them, not the other way around. We had a great savings month and had sold dividends, outside of that it was “meh” as you stated. 😊

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Thank you! I've had quite a few people comment and say I should include my house in the total for retirement, but I don't see it that way either. 😁

    • @MyFrayedEndsOfSanity
      @MyFrayedEndsOfSanity 27 วันที่ผ่านมา

      @@HappyonMonday I agree with @OurRetireEarlyJourney I don't include my non-liquid assets in our retirement plans.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      @@MyFrayedEndsOfSanity Me either! 😁

  • @brendawick
    @brendawick 26 วันที่ผ่านมา

    Great vedio. Thanks for sharing step by step. Im leaving a lot. Instarted my CD ladder in July.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      Thank you - that's awesome!! 🙂

  • @regineb9245
    @regineb9245 26 วันที่ผ่านมา

    Great info again and enjoy your upcoming trip! Overall in October, I was down 1%.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      Thank you! That's not too bad. Could be a lot worse right? 😁

    • @regineb9245
      @regineb9245 26 วันที่ผ่านมา

      @@HappyonMonday Exactly! ☺

  • @odonovan4725
    @odonovan4725 26 วันที่ผ่านมา +1

    Thanks!!

  • @lisagardner9798
    @lisagardner9798 26 วันที่ผ่านมา

    Have a great vacation! Can’t wait to hear about it.

  • @VTLovesSF
    @VTLovesSF 26 วันที่ผ่านมา

    You've done great Julie! October was meh for me

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      Thank you! Me too. 😕

  • @MyFrayedEndsOfSanity
    @MyFrayedEndsOfSanity 27 วันที่ผ่านมา

    It's funny. I was just checking in on my investments and I thought, wow my safer investments did better than the pure stock portion of my portfolio. Turned on your video to hear you say the same thing. My returns this month were meh as well. Hope you're having fun in the sun with your daughter!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Funny! 😁Thank you I will! 🙂

  • @daniellem5175
    @daniellem5175 27 วันที่ผ่านมา

    Great video! Happy to hear things are going well! Have a wonderful trip!!

  • @SimonEllwood
    @SimonEllwood 24 วันที่ผ่านมา

    Your portfolio update is great for others but I do not check mine as often as once a month. I look about twice a year. I live in the UK and have investments that pay good dividends, which works for me. I know US stocks are not good at returning profits as dividends so my strategy would probably not work well in the US.

    • @HappyonMonday
      @HappyonMonday  24 วันที่ผ่านมา

      @SimonEllwood Yes things work quite differently in other countries! 😊

  • @fluffie6568
    @fluffie6568 27 วันที่ผ่านมา +1

    Great video! I just want to share what I learned about mortgage. It might be useful to those who are nearing retirement but unable to pay off the entire mortgage. You can ask your lender about Recast program. This will help to lower your monthly mortgage amount if you have a lower balance (i.e. original loan amount $300K, now $200K balance) and keep the same interest rate. Lender will ask you to pay 10% of the existing balance + about $250 fee to process the recast program. It is cheaper than refinancing and less work compare to refinancing.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      @@fluffie6568 Awesome! Thanks for sharing this! 😊

    • @monikaw1369
      @monikaw1369 26 วันที่ผ่านมา +1

      Recasting……adding more years to loan for a less monthly payment?

  • @dennisp.945
    @dennisp.945 27 วันที่ผ่านมา +1

    love your channel ❤️

  • @crystalgattis1073
    @crystalgattis1073 27 วันที่ผ่านมา +1

    Meh month for me as well. Investments had a tiny amount of growth. Bridge account is down due to paying for some future travel expenses.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      Sounds similar to me!! 😁

  • @ForwardThinkingIncome
    @ForwardThinkingIncome 26 วันที่ผ่านมา

    Congratulations, hope you are happy everyday. Sure, I'll share October our portfolio did better than I expected but its last peak was July. No surprise to me because I love studying the stock market. We are about 7 years from retirement. We have about $700k in our portfolio plus equity in our home etc. I guess technically we could retire sooner. Also technically homeless people retire with no money. We love to travel and do a lot now. So when I leave my job I don't want to use that time on my couch. That is why I'm aiming for $2,500,000 in retirement. I personally do not like the bucket strategy or any withdrawal strategy. We are constantly preparing and talking with our children. Have save travels. We are heading to Orlando next week.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +1

      Wow - sounds like you guys are doing great! Thanks! 🙂

    • @ForwardThinkingIncome
      @ForwardThinkingIncome 26 วันที่ผ่านมา

      @@HappyonMonday I share it if you are interested. It wasn't always a happy life. I didn't grow up with a silver spoon that is why I also share my information too. I appreciate you sharing.

  • @kathymills1959
    @kathymills1959 23 วันที่ผ่านมา

    Enjoy the info in your videos. It would be nice to know who or where the quotes come from...

    • @HappyonMonday
      @HappyonMonday  23 วันที่ผ่านมา

      Thank you! Yes, sometimes when I know the author I share that. But a lot of times they're just quotes I've heard and I don't know the author! 😊

  • @lifestream4191
    @lifestream4191 27 วันที่ผ่านมา

    I have found that the best way to achieve my goals is to make a game out of it. Seems like you're doing that as well.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      @@lifestream4191 Nice!! I like it! 😁

    • @MyFrayedEndsOfSanity
      @MyFrayedEndsOfSanity 27 วันที่ผ่านมา +1

      I do the same! And once you start seeing the results rolling in, it becomes a game you know you can win so you want to continue playing.

  • @Mightyluna
    @Mightyluna 27 วันที่ผ่านมา

    I really appreciate your transparency, Julie. It's so helpful and encouraging to see the numbers. I look forward to your ACA video. I am likely going to go that route as well because my preliminary research shows it's going to be significantly less costly than COBRA with my soon to be ex employer. I am also starting to look at lower cost of living states (I'm in CA) because I plan on selling my townhome after I retire. Not right away but within a year of retirement, hopefully. Washington is on my list to scope out and was wondering if you had some insight/recommendations on cities and neighborhoods that I could consider and look into. Thank you in advance, Julie and have a great time in Mexico!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      Thank you! Washington has some beautiful cities to live in! The west side is gorgeous but a little more expensive. The Spokane area might be good to look into! ☺

    • @Mightyluna
      @Mightyluna 26 วันที่ผ่านมา

      @@HappyonMonday Thank you!

  • @theresaegbuniwe5808
    @theresaegbuniwe5808 27 วันที่ผ่านมา

    Looks good!!

  • @wagon9082
    @wagon9082 26 วันที่ผ่านมา

    Good video

  • @annhopkin5079
    @annhopkin5079 27 วันที่ผ่านมา

    Love your content!

  • @rhondaharris3291
    @rhondaharris3291 25 วันที่ผ่านมา

    Your channel is just what I was looking for. I am also a teacher with almost 18 years in the system, and am 58 years old come January. I have about twice what you have saved in my portfolio, however some of that I am ear-marking for my disabled adult daughter who lives with me(I have been divorced now 4 years). If I go 20 years I can get full health coverage for life from the state , however I just don't know if I can make it another 2 years..plus I will get about $1000 month pension. My question to you is...did you have the option of drawing a lump sum for your pension(instead of monthly) and what happened to your unused sick days? Thanks you for your interesting and informative content and CONGRATS! (hoping to join you soon in retirement bliss) :)

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @@rhondaharris3291 Thank you and welcome!! I did not have the option for a lump sum. I was able to roll 25% of my unused sick leave into my HRA account. We just lose the rest. Hang in there. It's hard to keep going when you're so tired! ☺️

    • @rhondaharris3291
      @rhondaharris3291 25 วันที่ผ่านมา

      @@HappyonMonday Thank you for your quick response :) I have A LOT to think about....I will continue watching your straight forward vlogs to help me decide.

  • @ronbmor
    @ronbmor 27 วันที่ผ่านมา

    Enjoy your trip. If you ever come to Panamá let me know!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Thank you I will! ☺

  • @shiquita8936
    @shiquita8936 27 วันที่ผ่านมา +1

    Not too bad this month for expenses. Steady saving for retirement. I opened up a Roth IRA. The market has been ok. The month end looked drab with some loss due to the upcoming election I'm sure.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      Well that's better than bad! Sounds similar to me! 😁

    • @shiquita8936
      @shiquita8936 27 วันที่ผ่านมา

      @HappyonMonday Your so kind. Thank you! ❤️

  • @nicolaansell6971
    @nicolaansell6971 26 วันที่ผ่านมา

    Your doing well my super in australia bit down. But still ashead from last year. Think elevtion affecting us. I a m 60 but will retire in a few years.

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @@nicolaansell6971 Thanks! Oh wow. Things are so different in different countries! 😁

    • @nicolaansell6971
      @nicolaansell6971 25 วันที่ผ่านมา

      Yes we a re lucky here the employer has to put 11.5% of our wage every pay. I am adding to mine tryinh to copy hat they put in. Buy you are a mazing. Take care

    • @HappyonMonday
      @HappyonMonday  25 วันที่ผ่านมา

      @nicolaansell6971 Wow that's great! 😃

  • @noreenn6976
    @noreenn6976 26 วันที่ผ่านมา

    Insurance should cover a mammogram as part of preventive care.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      Yes it did! I have a high deductible so I had to pay around $700 out of pocket for the mammogram, ultrasound, and colonoscopy. ☺

  • @boatsie
    @boatsie 23 วันที่ผ่านมา

    What contingency plan do you have for replacing your car…let’s say it is a total loss…what bucket will you pull from and how much would you pay for a replacement?

    • @HappyonMonday
      @HappyonMonday  23 วันที่ผ่านมา

      I would pull from bucket #1! I would hope to spend less than $10k. 😊

  • @noreenn6976
    @noreenn6976 26 วันที่ผ่านมา +2

    $900 You Tube income, woo whoo 🎉

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +2

      Yay!! Thank you! 😁

  • @mirandatitus8115
    @mirandatitus8115 27 วันที่ผ่านมา

    Had a pretty good month. I am only 39 and plan to retire in about 10 years my husband and I are paying off debt. We have 1 sept left but we have started investing, I am just not sure how to determine what goes in the 3 buckets. We have a HYSA, Roth IRA’s for each of us, money market account, and we have crypto. We have a 19 year old that just recently moved out but we are still helping him a little financially, we have a daughter that is a senior and plans to move out this coming year, and then the baby is an 8th grader so we still have a while of supporting kids before they are grown. Just not sure if there is another account we should be investing in?

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Sounds like a great plan! If you are planning to use ACA you want to make sure you have some taxable income. I'm not sure how crypto works, but your other accounts are all after tax accounts. ☺

  • @69RTR
    @69RTR 26 วันที่ผ่านมา

    How active are you with your stock portfolio? Can you share the specific one you hold? I plan to stop working in 2 years and I manage my own portfolio

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      I'm really very generic. I have mostly target funds. I am planning on changing my allocation soon and I will make a video about it then - thanks! 🙂

  • @jeffmccullough6638
    @jeffmccullough6638 27 วันที่ผ่านมา +3

    Hi Julie; what HYSA online bank do you use if i may ask?

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +1

      I use Betterment but there are lots of good ones out there! ☺

    • @crystalgattis1073
      @crystalgattis1073 27 วันที่ผ่านมา +1

      My high yield savings account is with American Express, it is at 4% right now, down from 5% over the last few months.

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา +2

      @@crystalgattis1073 Mine went from 5% to 4.5%.

    • @nncadi1
      @nncadi1 27 วันที่ผ่านมา

      Capital One is the one I use. AMEX also has one.

    • @rroumeli
      @rroumeli 27 วันที่ผ่านมา

      Synchrony has a good one as well. 4.2% right now

  • @loveletter78
    @loveletter78 18 วันที่ผ่านมา

    403b Plans have high fees and limited choices. Also, will have to pay taxes after retirement. Do you recommend investing in 403b to the max or invest in the Roth?

    • @HappyonMonday
      @HappyonMonday  17 วันที่ผ่านมา +1

      It depends how far you are from retirement and what tax bracket you're in. If you're in a higher tax bracket now than you will be in retirement you want to factor that in! But you do want both after tax and pretax accounts. You have to look at the big picture before you decide. 🙂

    • @loveletter78
      @loveletter78 17 วันที่ผ่านมา

      ​@@HappyonMonday
      Thank you so much! I really appreciate your help and content.
      So much to think about. I have 9 more years to retirement. I was thinking about a 403b. Wasn't sure about it.

    • @loveletter78
      @loveletter78 17 วันที่ผ่านมา

      Did you max out your 403b?

    • @HappyonMonday
      @HappyonMonday  17 วันที่ผ่านมา +1

      @@loveletter78 You are welcome!! I have a 403b just because I was locked into only contributing 5% to my 401a and they wouldn't let me change it! ☺

    • @HappyonMonday
      @HappyonMonday  17 วันที่ผ่านมา

      @@loveletter78 No, I had several pretax accounts through work. I had a 401a, a 403b and a 457DCP. So my pretax contributions were distributed between those! ☺

  • @hazell1593
    @hazell1593 26 วันที่ผ่านมา

    Enjoy your getaway with your daughter!

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      I will - thank you!! ☺

  • @noblegirl1991
    @noblegirl1991 26 วันที่ผ่านมา

    Would you consider living in Mexico and renting your house

  • @Facts_In60Seconds
    @Facts_In60Seconds 26 วันที่ผ่านมา

    FYI - I was told that next year the cost of ACA will be going “way up” with the same coverage. I will find out exactly how much is “way up” sometimes next week. I hope your cost won’t be as high as ours. Grrr

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +1

      I sure hope not! In 2026 the subsidies might be changed. I just looked and mine looks like it will be pretty cheap. I hope yours doesn't go up! 🤞

  • @lesliesmith9092
    @lesliesmith9092 27 วันที่ผ่านมา

    Our retirement accounts are down $45,709 in October.😩. I am so ready for this election to be over!

    • @HappyonMonday
      @HappyonMonday  27 วันที่ผ่านมา

      Oh gosh that's tough. 😬 Yes, hopefully it will pick back up!! 🤞

  • @johnnow1
    @johnnow1 26 วันที่ผ่านมา

    October a terrible month for me too😢

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      @@johnnow1 I'm sorry 😞

  • @noblegirl1991
    @noblegirl1991 26 วันที่ผ่านมา

    Looking forward to retiring. However, I am 7 years away from 60

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา +1

      I'll go by fast! 😁

  • @noblegirl1991
    @noblegirl1991 26 วันที่ผ่านมา

    Would you consider Airbnb to make extra money

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      I would if I had a property I could rent out! ☺

  • @leisure057blank3
    @leisure057blank3 26 วันที่ผ่านมา

    I am not sure. Looks like my Ira is down, and my utility stock. Didn’t check my brokerage wit Roth and rollover Ira. Seems like when I go on there, they don’t mail me my statements.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      I do mine all online "paperless." Hopefully yours aren't all down! 🙂

    • @leisure057blank3
      @leisure057blank3 26 วันที่ผ่านมา

      @@HappyonMonday in a few weeks I will be doing a Roth conversion. That would be a great time to be down, so I can buy more shares.

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      @@leisure057blank3 That's true!! 😃

  • @fuz4623
    @fuz4623 26 วันที่ผ่านมา

    October sucked for me. Where’s the bounce?

  • @angelaland4759
    @angelaland4759 16 วันที่ผ่านมา

    The music is nice and everything, but it's very distracting. I'm glad I found your videos. They are so full of good information. ang

    • @HappyonMonday
      @HappyonMonday  16 วันที่ผ่านมา +1

      Thanks for the feedback. I think most people like it but a few people find it distracting. 🙂

  • @gurrrrlish
    @gurrrrlish 26 วันที่ผ่านมา

    My portfolio earned 60k.... but I am a chicken... I have it all in safe investments....

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      @gurrrrlish Well 60k is amazing! 😃

  • @iancvisuals707
    @iancvisuals707 24 วันที่ผ่านมา

    Hi I’ve been watching your videos for quite a while and I think perhaps because of how you edit the clips, it makes it look like you don’t ever blink. In your earlier videos you seemed more natural, but the style of editing you use now the scene clips are so short you’re rarely filmed blinking, so it kinda a looks a bit weird. Don’t get me wrong your videos are super informative and helpful, particularly the healthcare info, but I just couldn’t help noticing the “stare”. Enjoy your trip.

    • @HappyonMonday
      @HappyonMonday  24 วันที่ผ่านมา

      @@iancvisuals707 Thanks for the feedback. I'm constantly trying to improve. 👍

  • @noblegirl1991
    @noblegirl1991 26 วันที่ผ่านมา

    Would you consider living in Mexico and renting your house

    • @HappyonMonday
      @HappyonMonday  26 วันที่ผ่านมา

      As much as I love to travel and I LOVE Mexico, I couldn't be away from my grandbabies full time like that. ☺