Age 63 and No Retirement Savings - What's the Plan?
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- เผยแพร่เมื่อ 26 ต.ค. 2022
- Are you aged 63 with no retirement savings and planning to rely on Social Security? It is not too late to start saving.
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Mike Bernard, CFP® offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@JonahIta That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@ArabellaBeatrice-099 My advisor is VICTORIA CARMEN SANTAELLA;
You can look her up online
@@JonahIta The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.
Nice way to retire. For me, I believe 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 wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement.
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.
I'm intrigued by your experience. Could you possibly recommend a trustworthy advisor you've consulted with?
Tu vida es tuya ."Ande yo caliente , ríase la gente " es un famoso refrán español.
Smell the roses from the coffin..
Most people who feel they can’t retire went through things… divorce, illness, etc. I’ll try your channel as I’m in that boat of not being able to retire.
divorce x 2
For me, I believe 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 Husband and I both spent same number of years in the civil service, he invested through a wealth manager and myself through the 401k. We both still earning after our retirement.
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.
It's 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 $760k 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.
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 but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
My advisor is CATHERINE MORRISON EVANS highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. 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
Insightful... I curiously looked up her name on the internet and I found her site and i must say she seems proficient, wrote her an email outlining my objectives. Thanks for sharing.
We retired with a combined social security of $2265 per mo. at 65 (after Part B's are deducted). We have a small 75k IRA but it shouldn't be needed. We predicted paying for Big expenses right before retiring. 2022 E-Carr & E-Bikes, DIY Solar System powers our transportation & utilities most of the yr, Humidifier, 75 inch large flat screen TV, two wall heaters. We have an extra Solar System for when this goes out, we have extra heaters. Plan ahead for expenses. Our health from birth hasn't been good so we retired early but still stay fit. We grow & raise 50% of our food so we pay only about $450 a month for food. And we don't need to spend that much but we eat mostly organic, Whole Foods and eat out occasionally. We also donate $180 a month. We live in a nice 800 foot Cabin w/ a 800 foot barn on 1.5 acres. Our Hobbies: Our animals, church, volunteer,ing cycling & gardening. We are both 70 yrs old living in Calif. Prop Tax is capped here to a max of 2% per yr increase.
Are you trying to brag or something?
Good for you! 🎉😊👍🏼
Companies I worked for never had PENSIONS
Well, I became an educator after taking a 70% pay cut 70% and it hurt bad as I was a single parent and if it weren’t for the pension I would still be an engineer and that was 29 years ago and over 6000 students and I work in a title1 school for a total of 170 to 200 students a day plus afterschool programs and home hospital, so yeah, I earned that pension❤🎉🎉🎉
What's a pension?
Ok ..did they have a 401k plan🤔
@@GDuncan8002Money that you received after you retire.
Reason why, you work hard all your life paying your bills including inflated prices with high taxes so others can get reduced or free stuff like food & utilities. Usually middle class families supporting lower income families. The way tax system or other programs is the less you make and the more kids you have more money you get pay for all your needs
Need cash for retirement? Call yourself a financial planner and get on TH-cam. Apparently people now need to pay someone to tell them to spend less and save more. Moms used to do that for free.
my mom is better than yours. she told me to invest. over and over again. when i was in grade school. saving will not work.
ikr
And forget all the toys...luxury car motorcycle boats expensive vacations...stay home n chill n save
NO COMPANIES I WORKED FOR HAD NO 401K PLANS
Retirement is not an end, but a new beginning.Your dedication today will pave the way for a future filled with financial security and the freedom to pursue your passions.Big ups to everyone working effortlessly trying to earn a living while building wealth. I’m 50 and my wife 44 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle made it possible for us this early even till now we earn monthly through passive income.
Congrats on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Last year, I hesitated and failed to take any action until the year concluded. However, this year, I am determined to try something new, as I am very receptive to various investment ideas.
@@Alexedmartin.
@@donaldgaff2271 how can I find her?
@@Alexedmartin. By looking for her name online, you can quickly uncover her information. She recently appeared on CNN and she is really simple to deal with no matter where you're located
@@donaldgaff2271 I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot .
This was of so much help to me.
New to your channel .. thankfully I was able to retire early w/ more than enough. However, this is the best advice I have ever heard for someone who is older & facing a difficult situation. Definitely worth a subscribe w/ a thumbs up to hear more of what you have to say.👍
Im 62 with no retirement savings at all. I live paycheck to paycheck, saving money is not possible. Ill have to work till i die, so waiting to collect s.s. i think would be better for me.
Yeah, if you have to work, wait. That's definitely your best option.
that is my situation. Yea I could sell my house, but then I need a place to live! I now work 6 days a week. can't work anymore and I am getting tired!! I am 61. And even with any extra cash, I am looking at maintenance and repairs on my house... which are piling up.
Im in the same boat. Have health issues too@@anniesshenanigans3815
Not everyone of us are fortunate to steal enough for retirement.Many of us do not have a decent job.
If you're under 50 years old, you still have time to get the necessary skills, training, and education to get a better job. There's financial aid and other financial resources at your local community colleges that can help you.
@@seaor2k122 I live in an ex and still comunist country from east europe.Here is no aid,local comunity or else.I'm homeless too being kicked out from house by my greedy boomers parents who received everything in their life for free and not working at all.
@RedEyeification I assumed you were an American living in the US. Thanks for clarifying. I pray things will get better for you. Sorry, you have to live in those conditions.
@@seaor2k122 Thank you for yor kindness but prayers don't help.
I'm struggling in this market. Stocks that I have held for months and made profits from are not behaving the way I'm used to so I’m quite indecisive on how to tackle this market, any advice would be grateful.
@sallym.chesser7072 That sounds great and what signal do you invest with?
@sallym.chesser7072 That's awesome and please how do I connect with this broker lady?
@sallym.chesser7072 I'm currently on her webpage now, her reviews are very impressive and I left a message for her. thanks, a lot.
I'm less than the 1.25 million required for retirement, I plan on working a seasonal job in retirement. No SS before 67 is ideal. No penalty for work.
@@marting.9613he said he was “less than the required 1.25M” so is planning anyway.
The problem is that if you have no wiggle room in the budget, how do you save? I could live on SS if the cost of living did not increase... but with the last couple years high inflation, I know that will not work. Plus maintenance and repairs. So many things need to be done. My oven does not work... okay I can live with that. But what about the high dollar things? Replacing an AC system is @ 8 to 10k. I am paying off my house this year, but even with that, the cost of Insurance in my area is ridiculous.. so if I dropped it, I could definitely be okay unless a Hurricane wipes out my home! Those of us that live very close to paycheck to paycheck are just screwed... and with all the corporations gouging us on the prices of everything, I will soon be eating meat once a week only, instead of 3 times a week as I am now. I have already cut out about 4 evening meals altogether to keep my food costs down. What is next??
Really cant stand when people say SS is one day gone. They have been saying that for 50 years can you imagine if they canceled. SS !!! All hell would break through. They would need to reimburse millions back to the people that payed in for 30 to 40 years
Really can't stand when people can't spell paid.
They wouldn't reimbursement anyone, just blame it on a black Swan event and shrug their shoulders.
They have in Australia. If You were born after 1965 you have to self fund your retirement.
@@margaretborchard3606Difference is here in the US workers pay for their own SS taxes, so they perceive it as their money. That's why SS is the 3rd rail of American politics.
retiring at age 65 is such an outdated concept (dreamed up in the 1940's) that it's unbelievable how many people (usually only in the U.S.) still think this is a mandatory part of life.
retiring (that is, to stop working) is the worst decision anyone can make. i'm in my 60's, and i thank God i'm self-employed and can continue working and earning an income as long as i choose to.
Retirement is probably not for everyone. My wife and I retired in 2021. So, so happy we did. Sailed our boat to Bermuda. Been renovating our house. Couldn't be happier. But we planned our retirement and saved a large percentage of our income for 20 years preparing financially. I think most people can't imagine themselves old and also never think about what happens if I know longer have a job (whether by choice or because of other reasons).
It's not outdated for laborers or those working in other jobs that are tough on the body.
The time to plan for your retirement is Day 1 of your first job.
Correct. Even earlier would be better. My ten year old has a Roth IRA.
I'm 67 with no retirement savings. Just got divorced, and she cleaned me out. I've got a good plan.
What is it?
@@genemartinez2833THE PLAN IS NO PLAN...
Suicide? Prison?
If you're planning to harm your ex, your retirement home will be prison. Enjoy your new roommates!
@@genemartinez2833maybe a wood chipper
One person said to me "take your SS now and bank it all for 4-5 years before you actually do retire. That chunk of change could be $100,000 or more. Now, you are only going to get that same amount for the rest of your life, granted, but he said that chunk of money you now have, the SS you saved for the last 4-5 and the interest it throws off, is more valuable than the extra $500-$1000 a month or whatever the difference is between what you get due to this method and what you would be getting had you waited to take your SS. I'd love to hear some intelligent thoughts on this. I guess his thinking was if you were to get, lets say, 10% on your money, that $100,000 would kick off $10,000 a year...about $800 a month, leaving the $100,000 intact.
Only if you have money to live on and for expenses can you save ss checks. a said person who has nothing saved and expenses are more than ss is paying out is a really bad idea. then can only work part time w/ss to make ends meet. Might as well keep working as long as you can pay down bills save anything you can then collect a bigger ss monthly check.
That person cannot do Math.
You cannot "bank it all for 5 years" as income limits exist to age 67.
Only 3 years can do this are 67, 68, 69.
If you do this age 62 - 66 ypu have 21240 annualized income limit. How do you "bank it all" at age 62 earning less than 42k a year? Save 24k of your 42k?
That is horrible advice. There is a limit to how much you can make.
That is exactly what I'm doing but my situation is kind of unique. I have a pension that covers all of our expenses. My wife is 6 years older than me and I was the primary bread winner. She could not get her spousal SS benefit until I started drawing. She was already 67 and she was already eligible for maximum spousal SS benefit. If I had delayed until 67, I would have been leaving $2,500.00 on the table every month for a total of $150,000. That money goes into the brokerage account in stead of a promised future payment from Washington D.C.
very good advise thank you, but i am 64 and i think i am done, next step .....poverty. . lest find out how to survive with no money at all at old age then die
My 401k has been dropping its balance every single month. It used to grow slowly. Now it's dropping fast. So I did try to invest in the stock market only to lose every dollar. My social security has been taxed 80% just because I am still working and have a salary over $25k a year. 😠 My mortgage has tripled due to property taxes. So I have decided enough is enough with the rat race. Moving over seas to the Philippines. Paying a cpa or financial planner is not worth the expense if you have less than $20k saved and high debt.
401k plans started as a supplement to Social Security and turned into a Madoff style Ponzie scheme.
Great suggestion to begin living at retirement age income. Thanks
Ready to work for income source?
The way many people think of Retirement as some mandatory thing or a measure of the success of their life is an unfortunate mindset in Americans. I run my own business, my wife is working on getting her own business going. We both enjoy what we do and may slow down at some point but it’s not a set date - and we do save for financial security of course. I’ve watched many friends and family I know ‘retire’ and watched them degrade in their health and purpose of life so much faster because of it.
Some people have had physical jobs their entire adult lives and their bodies are worn out. Why should people in that situation not get to stop working? You don't know everyone's situation. Maybe they are in poor health and want to live a little.
@@bernadetten.8751 I have worked for 47 years and never, ever had a job I enjoyed. I was too busy trying to provide for myself and my family to concern myself with enjoying the job. Now it is time to start thinking about enjoying not having to go to work every day.
@@bernadetten.8751 That is wonderful if you have or can find a job you can do and enjoy. I never have found one I enjoyed. Therefore, I look forward to not working.
That all assumes you will stay healthy, frequently not the case.
Prior to 2020, such a person could maybe survive in the US. Back then you could buy a decent 3-4 bedroom house in my area for $115k. Now those houses start at $300k. If you have no retirement savings at 60, your options are Vietnam, Philippines, Thailand, etc.
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>
Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?
I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,
how do I get in touch with this consultant that assist??>>>>
STEPHANIE KOPP MEEKS, that's whom i work with look her
Thanks for these recommendations.....,,,
lol, financial planner for someone who is broke? my dad lives off his SS check and takes a room in my house that my kids sorely need. My wife and I have had no privacy in 10 years and my parents thought I was villain merely suggesting they look for housing that meets their needs and into subsidies. Anybody who is this deep in the hole with money doesn't need a financial planner, they need a job or to win the lottery. Most parents like this assume their kids are gonna save them...well, what happens when the kids can't even save themselves.
Look into government housing for them. Your parents sound like they are being selfish. Try to care less about what they think about you and care more about what you and your wife and kids need. I know it's hard, but you don't owe them anything.
You owe your parents everything
Wow. I hope if I need help my kids will be there for me. People have been taking in their aged parents since life began. They took care of us and we take care of them. Circle of life.
@@noneya154this is the problem today. Instead of family and community caring for each other, people harden their hearts and don't want to care for their own flesh and blood. It's a privilege to care for your family.
@@belle42 Yes but not an obligation. It sounds like he's in a situation where his parents don't care how they are affecting his life they just want to take from him. I hope you aren't that kind of parent. It's easy to want to bend over backwards for parents that do their best and don't use you as their entire retirement plan, but not all parents are like that. Some act as if they are entitled to it. I would hope my kids would be there for me if I need them too, but that is not my entire retirement plan. He's clearly struggling and the parents don't sound like they are contributing at all. They are just racking up the debt and not caring that he, his wife and their grandchildren suffer for it.
What if your disabled cant work how to we get income til we get disability which can take 2 years
CFP in South Africa is in it for themselves
They keep working.
I am 63 I adopt to myself The program of Phil president PBBM The Long Range Planning So i am happy in my old age and Succesful
They already pulled the rug, used to be able to take ex husband or husbands retirement, approxl 1/2, but now, you have to take your own with it, which lowers it if you are not FRA..
This video is for people who have little to no savings for retirement.
Not for the people who have large savings.
We don't need to read about how great you're doing and that you have over a million in savings.
We came here for realistic advice for what to do NOW!
I agree 100 percent jack.
It depends on your circumstances jack.
Are you married ? Kids ? Mortgage ?
What is your age ?
If you don’t want to invest. Then save.
As much as you can.
I don’t care if it’s 50 bucks a month.
Don’t over complicate it.
Just save. And come to the sad reality that your broke.
Just like me.
It’s a freeing conclusion to come to.
Anyway. That’s how I deal with it.
Income required only not expenses specially unnecessary ones jee whatsoever????
Zero risks
I m assuming this guy is trying to scoop up youtube subs to underwrite his life. Its very difficult to believe a young guy go on about continuing to work into your late sixties. I am 63 and its enough just to go to 65, depending on your work of course
A guy that I know his parents retired at 62 and both of them have no savings ,but both are able to still work and constantly rely on their son to bail them out financially all the time, but they are totally oblivious to their stupidity, both of his parents collect a lesser amount from SS because they retired early, but the small home they live in was given to them by the grandmother who passed away and since it is a small home it is cheap to heat and cool so utility bills are low, and the monthly property tax is about 100 dollars and they could easily afford to make it if they lived within their means, but the father is on a bowling team and spends money buying beer and overpriced food at the bowling ally, the mother has a few cats and a dog that cost a lot if feed and vet bills, they will go on vacation using their credit card , then that guy will get a phone call from his mom saying they need help because the electric, gas or cable company is threatening to turn off one of their services because of a unpaid bill or their car needs new tires or a repair and that guy always bails them out and the parents will go back to living beyond their means
i'm not sure i get your point. what is it?
@@DrSchor I guess my point is if you 62 have no savings and will be drawing even less money on social security than you were working but still expect to have the same standard of living and have the same spending habits that created the scenario where they don't have any savings, then they should not be retiring at 62 and keep working
@@bluemouse5039….or have a son who pays the bills when they fall behind…works for them!! 👍
IM 65 CAN NOT WORK NO MORE SS DOESNT GIVE ME ENOUGH
Example:
1760 FRA 2028 in current dollars.
SSA each year with 3.2% added
67 2030
68 2307
69 2603
70 2914
7 years you can get out of debt and save 70k. If you earn more then save every dollar over 20k. 300k possible with discipline.
Reduce your lifestyle to under $2915.
Not ideal but liveable.
Make sure your COLA exceeds inflation.
Lastly:.
You are NOT going to die at 65.
It is much more likely you will live to 90.
If you chose by short term YOLO thinking you will be poor ages 78 to 90. You will get that money now but regret it in 15 years.
I am deeply disturbed that people are expected to become entitled predators to afford retirement, getting money for doing no work while those do the work get underpaid. Taking in passive income is a crime against humanity.
Time to buy a van and live the van life 😅
Plan on moving to Vietnam.
Social security is not in India
Reduce bills as much as possible. I'm assuming no pension to draw on. Only SS. Tight...tight retirement in this scenario. Even if you work another 10 yrs, how much would you really save. At this advanced stage you certainly don't want an aggressive retirement account, risk tolerance should be low because you don't have the time horizon to make up loses in a market downturn. I really don't think another 3-4 years working just to save in a IRA or a 401k is going to do much to change the situation. Investing for retirement is the long game 20, 30, 40 years that's where the benefit of compounding does its work.
My father retired at 58 was forced into by USSteel back in 1983. He never went back to work. That was a big mistake. He sat around the house, watched TV, went to the race track a couple times a month and had a cocktail or two every night. Never volunteered or did anything productive. He lived for another 38 years like that! I’m 63 and still working and I plan to keep working until 70 and perhaps beyond! I don’t want to end up like my father!
I don't if that's funny or sad; but it made me laugh.... sorry.
@@edgonzalez186 well he didn’t think it was sad so I guess he’s having the last 😂
This makes no sense. spending less isn't going to result in enough money to live on!!! are you kidding?
At 63 and no saving what should everyone do? The simplest equation is to keep working. Let's cut the bs, there isn't a magic spell here.
You missed the boat, common. FFS.... min wage... lol selling u nothing..
I will look into your advice, but to adjust down to $1,800 a month will barely cover rent and food. Got any more suggestions? I used to have a plan for retirement. Then my wife became sick with cancer and every penny went to her treatment. Lost her, lost the house, lost all the savings and any retirement funds. At 50 I found myself a widower, broke, no job, living in rented rooms and 10's of thousands of dollars in debt. I spent the next 7+ years paying back those debts from various jobs. Eventually I was found a decent job with some benefits but there is nothing for retirement and no time to catch up. At 60 something there appears to be no real way to catch up. SSN won't cut it. So now it looks like it's work until I die. Any amount of planning can be wiped out in an instant.
Create a TH-cam channel and talk about how you are managing to survive on so little. A lot of people are in your position, even if they got there by a different route. Knowing how to survive is like gold.
I'd say take your SS now and bank it 100%. Work for as long as you possibly can and build up as much as possible in that time.
MOVE OVERSEAS like many others thousands of Americans are doing it. I will do that. Do you homework. You will be better off.
How can you work and bank your social security? They will penalize you unless you are at full retirement age. Then you can make as much as you desire.
Yes, I understand why people do that now. Living overseas is way cheaper and you can find good and affordable Healthcare as well.
I thought I’d hear useful information, not so. Started with about 3 minutes of bashing non-CFP advisors and promoting himself. Trust me, the CFP designation just means you payed for the coursework and passed the exams. I’ve known many CFPs who were clueless about real life situations. Those who need feasible and realistic plans the most are the least able to pay the fees for a CFP. In most cases, they don’t have enough assets to make it worthwhile for the CFP, so they will charge them a flat fee or by the hour for advice or planning that they can get for free if they are determined and know where to look.
Reporting bots
I have no savings i’m 63 i’ll draw 2500 @ 65
no mortgage , no credit cards no loans
no need for elaborate vacations
wtf bitcoin
9:05 I’m 69 and still working. It’s getting difficult, so I don’t know how much longer I can do this. I have no retirement., but I have a little money saved. I still have a mortgage but a fairly low payment. I paid off my car and all my debts. I am able to save my whole ss plus about $500 per month now. So, that will be around $30,000 this year. I’m hoping to stick it out for 2 more years. My question is: where do I save that money while I’m still working? Right now I have them in high yield savings and CD’s because the market is volatile and I’m too old to take a big risk.
To old to make a difference then 😂
Don't have kids if you want $$$ when you retire
You are awesome. This is my scenario. I turned 60 this year and only started a Roth401K with a 3% company match 6 months ago. Your other video and the 5 year rule with 401Roth rollover into a regular 401K was so important! I'm heeding your advice with my financial adviser. Bless you for making these videos 🙏🏼🦋👍🏼‼
Retirement is not for poor people. The cognitive dissonance with the average American is remarkable.
Yea, than live 1 or 2 years on retirement because waited too long. Life expectancy and health conditions, debt, determine when to collect. You can always make some money if you can work a little
I wish you didn't talk so fast , I cannot listen to you. I cannot follow at that pace. Sorry 😞
Track every penny you spend during a month and you will be surprised where your money is going
Yeah.If you live till your 70!
Due to the last 30 years where the working person gained zero ground. Now we see in society the results are coming to roost. Vote blue or oh for so many reasons.
Hopefully you don't come across that scenario often.
how about we all become citizens of honduras and cross our border illegally then move to california where health care is free
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>>
Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?
I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,
how do I get in touch with this consultant that assist??>>>>>
STEPHANIE KOPP MEEKS, that's whom i work with look her
Thanks for these recommendations.....,,,