Why Most People Will Never Be Millionaires
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Why Most People Will Never Be Millionaires
If you look at the average net worth in America, it’s clear that most of us sadly will never become millionaires. And that’s a downright shame because it’s very possible to become a net worth millionaire if you simply do the right things with your money. So today, I’m gonna show you how you can still become a millionaire in America today.
Links:
Investing For Beginners: • Investing for Beginners
Ramsey Investing Hub: www.ramseysolutions.com/retir...
George Kamel is a personal finance expert and co-host of The Ramsey Show. Following Ramsey’s proven money plan, George went from negative net worth to a millionaire in under 10 years. His goal is to help people spend less, save more, and avoid money traps so they can live a life with more margin, options and freedom.
This channel will simplify complex money topics, bust money myths with actual facts, and debunk the stupid financial advice you're seeing in your social media feed. All with a healthy dose of pop culture, humor, and snark.
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Nobody knows anything, you need to create your own process, manage risk and stick to the plan, through thick or thin ,While also continuously learning from mistakes and improving
These so-called quality stock Quality stocks have underperformed the S&P500 this year, My $200k portfolio is down by approximately 20 %, any recommendations to scale up my ROI
It's possible to hire a skilled financial planner especially if you're not one yourself. I hired one after my retirement pension took a hit in April due to the crash. The planner devised a defensive strategy that protected and profited from my portfolio during this red season. I've made over $250k since then.
Thanks for replying, You seem to know much, How did you go about it and can you recommend an advisor like yours?
Sharon Ann Meny, is the name , Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks, I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
These are the conditions in which life-changing money is made by those who remain calm, patient, and take controlled risks. Volatility goes both ways. The bigger the red candles, the bigger the green ones.
Investing in stocks can be a wise decision, especially if you have a dependable trading system that can lead to successful outcomes. Personally, I've been working with a financial advisor for about a year now. Starting with less than $200K and I'm now just $19,000 away from making half a million in profit.
Impressive can you share more info?
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
Most people don't want to be millionaires; they want to spend a million dollars. If you asked them what they'd do with a million dollars they can rattle off how they'd spend it all in less than one minute.
1000% agree
Great point!
Finance and Business books have been so helpful. I’m 55 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.
You have done great for yourselves. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.
That is so amazing, I’m trying to get onto the housing ladder at 40. I wish at 55 I will be testifying to similar success.
Heard many good recommendations about Stephanie Kopp Meeks by some YT channels, Seminars and other platforms
Thanks so much I was able to find her page and I already leave her a message.
The quickest way to make your first millions is to invest directly with an expert that is trustworthy and has made a name and individual billionaires, I'm surprised you know her too . Stephanie is Good!
My co-worker literally called me scrooge mcduck today because I'm the only one not going to eat out friday🤣🤣
If work is paying I'd go. Otherwise enjoy saving time and money!
I'm a millionaire. Went to get a bottle of tea at work today and it scanned at $3.23. I put it back !!!! No way I am paying that for 16 ozs of tea. Went home and drank my home made tea which costs me pennies per glass.
@@snatchinitback4635 oh we do. We travel in and out of country several times a year. About every month or so. My work allows unlimited time off, as long as nor abused and I work remote, so take my laptop everywhere. Also have get together with the neighbors where I supply all the meats for a couple cookouts, and starred a scholarship at the local high school among other acts of giving. Love that we are at this stage where we can do all that.
well done!!!
Watch the pennies and the pounds follow. Black tea at aldi, for that price you can get at least a box of 100 tea bags
@@mandy3486 I would rather watch the pounds because for every penny I save it takes 100 to make each pound. Save on the small things last because I need to focus on saving on the big thing first!!!!
35 with a net worth of 425k. Once I pay off the mortgage, it jumps to 645k. I invest 27% of my pay. Can't wait.
We're Debt FREE - HOUSE AND ALL! Thank you Dave Ramsey! We became net worth millionaires on the journey. We owe no one.❤
Congratulations that's awesome! I can't wait to get there
@@justincaldero5174 Follow the baby steps in order and you will get there. We started in 2019 and just kept going with our snowball to the principal of our home and finished March 2023. Best decision we ever made as a married couple.
Congratulations, I'm On BS 6. Can see the finish line 🏃♂️🥈
Congratulations!! That’s an incredible feat :-) Well done!
Congratulations! 🎉🎉
Net worth $1.3M @ 33. Only debt is house. Just keep saving and investing. Always live below your means and only spend on things you love that being you joy. You need to splurge a little. Life is short
Crypto?
Nope. Medical / software sales. Some lucky timing on house equity. Closer to 1.5 now after the market rally. Just lived way below my means for a long time
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .
Exactly ! That's my major concern and what kind of profitable business or investment can someone do with the current rise in economic downturn
An obvious way to invest for a recession is to buy shares in businesses that are likely to experience steady demand even in a downturn. Typically, those are consumer staples, utilities, and heathcare companies, but off course such decisions cannot be made by an average Joe, a financial advisor is important in making these decisions
Such considerations can certainly have a role when I think about whether I ought to buy into a share. But I never purchase purely on that basis, i always have to seek the advice of my financial-pianner who has helped me gain $985k in a well-diversified portfolio that has experienced exponential growth
@@trane85 Mind if I ask you to recommend this particular coach you using their service?
We started following the baby steps in 2012, with a net worth of negative tens of thousands. Fast forward to today, we're almost at millionaire status at ages 41 and 38. Come on stock market, 3 or 4% more please! Anyone CAN do it. Hard work and patience.
What are both your profressions?
Do you have any debt?
You have plenty of time for your money to double 3 more times into your 60's.
You can do it.
Congratulations 👏🎉🎉 I'm almost there myself. Can see the finish line 🏃♂️🥈
Debt free $1.6 million. Household income was usually under $100,000 raised 2 college kids and they have no debt.
Awesome! That’s incredible and congrats! My wife and I are pretty young and both have a lot of student debt! Just starting our journey as we both got our jobs. Your kids are very fortunate to have you! My wife’s parents and mine were both pretty bad with money. But thankfully my wife and I are unified in the fact that we are wanting to get out of debt and invest to hopefully become millionaires one day!
@@bradmitchell5217Excellent. Good luck on your journey!
Age?
Congratulations, I'm On BS 6 and can see the finish line 🏃♂️🥈.
I'm 40, and at this rate of saving and investing.. I can retire with a couple million, it's very attainable
@@ItsMe-ko6sz 59. I was a stay at home mom. Both kids graduated college debt free in 4 years with jobs that provide for them well. We rarely had an income that hit $100,000 in the 30 years. Networth $1.6 million. We just followed the Ramsey plan and enjoyed raising our kids. This is very achievable by anyone who wants it. Looking back we all enjoyed the ride.
Biggest thing for middle class is new or expensive used cars the difference invested would make every middle class person a millionaire
So true. Average new car payment is up to like $700+ month. Insanity. 😅
My dad explained compound interest and stocks, mutual funds to me when I was 11. It was real easy getting to the first million (I don't include the house but I don't care if you do). I literally never earned more than 45k in a year but put aside 15% or more every year and dollar cost averaged for 3 decades. Patience and consistency is all that is required.
Great job man. Not making more than 45k and being a millionaire means you started early, saved, and invested.
How long did you have at what age please? We started late investing.
Stop paying for the past, start building for the future.
Love that!
The little Bow Wow pic had me going back watching that piece and 3 or 4 times!
It’s never too late to get started. Getting out of debt changed everything for our family. It was life changing. Great video George!
Sell the horse, haha 😂. Saw what you did there; you’re all about selling horses! And that chain email stuff at the end…classic!
People confuse being millionaire with BILLIONAIRE
I’m on step #2 of baby steps. I will see you guys in a few years. No more stupid spending, time to invest in my future. I’m 46, I plan to be debt free by 48, after that sky is the limit!!! Super exited, got the first step done and now attacking then CC debt first.
You’re 46 in CC debt. You’re not intelligent nor disciplined enough to be a real millionaire
How is it going so far?
Great excellent video George. Had great information with the humor. I'm going to show this to my daughter who is 20 years old and show her that the earlier she gets into investing, the more she'll have by the time she's ready to retire. Thanks.
I left a job in 2002 and I had 11,000 in a retirement account. I ignored it. By 2009 I had 22,000. I ignored it. By 2016 I had 45,000. I ignored it again. I just checked it. It's at 96,500. I am ignoring it again. Seems like it doubles every 7 years. I did not even add anything to it. I just left it alone and let time work on it.
I chose the funds carefully. Low-cost, diversified, growth-stock funds.
I knew the theoretical math in advance, but seeing it in action is something else entirely.
@@snatchinitback4635 The SP500 is on that pace over the last 20-25 years.
I hope you're investing something somewhere else if not in that account.
@@kamoroso94 Oh yes, absolutely. This is just a nice example of what money will do it left alone. 10 months after my post, and it's over 105,000 now.
Thank you George!!❤
Love the video! 😂
Nice job!
I LOVE you sense of humor!! 😂
The baby steps work!
It works for those living outside the US too. But getting to USD millionaire might be a bit hard.
You're so funny 😂 love that part of your channel btw
Who edits your video? Looks amazing ❤
George gives good financial advice. I've been doing what he recommends for 40 years, and I'm now 66 years old and a multi-millionaire.
Im 17 trying to learn as much as possible so I don't have to work by the time I decide to retire
@@UnitedHornetyou’re ahead of the game already being only age 17.
@@sanitary103 thanks yes I want to waste no time with investing and being smart with my money, I already see myself either being in real estate or going to culinary school and living frugally for a little bit living above my means
@@UnitedHornet Just a few steps. (a) high paying career (b) invest as much as possible (I do 50% of salary) (c) Keep it simple and low cost - I do S&P 500 index ONLY (d) keep repeating. I'm currently at $2 million at age 38. Like body building, it's conceptually easy but most people don't want to do it.
@@BossItUp911 thanks! Really hit it when you said body building because I'm very disciplined with working out and lifting weights, I feel like I can be financially right why not? Also what do you think of the Roth IRA retirement account?
Thanks for the examples, super helpful! And motivating! Gives hope. I share with whoever I can about Ramsey ways 👍 and y’all’s channels. Just chatted with our HVAC guy and he downloaded the Every Dollar app Bc told him about 👍😀 also the 20 year old with him has already started a Roth and match at work 👍 we all had a great chat!
I hit a million at 34 and two years later saved up to 1.5 million. No debt. Yet I’m still renting and houses in my state that are half decent in non gang ridden homeless ridden neighborhoods are 1.2-2.5 million. If I buy a house I’m near 0 net worth…to be feeling actually rich or millionaire class comfortable I’ll need 4-5 million.
@George, I see what you did there with the horse reference. Nice one lol. Have a great day my friend! You’re an inspiration for financial independence and living life without financial stress. Keep it up. You’re definitely one of my top CZcams subscriptions
Tthis is all so true. Working on our debt now. 😢
A man I can be happy to see succeeding
"Sell the horse if you have to", oh boy, here we go again with the horses and George.
Love the facts and video !
Precious Moments figurine collections were the church lady status symbol of 1993.
👍 thans . Need more motivation.
It can be done but it takes a lot of discipline and dedication.
@@protrader894Scammer Alert!!! 💩💩💩
Love his sense of humor😂 👍🏼
Funny thing, the commercials I see before and during this video are Bitcoin and credit card commercials. They are working it hard.
I paid off my credit cards, and they are hounding me hard for that credit bump they want to give me.
such a good video
Good general advice. Save money, live frugally, invest intelligently. But it isn’t some set strategy that suits everyone. Also 11% annualised returns? I thought it was 10%. Might not sound like a big difference but it’s pretty huge when you’re compounding for decades. Also there’s no guarantee that the market will keep going up, especially at this 10-11% rate. There’s been periods where the market has gone sideways or even down for decades. There’s nothing to say the annualised return for the next 60 years won’t be -10%. Nothing in investing is certain, not that you shouldn’t invest you totally should. It’s just important that people are aware of the risks.
George is busy trying to create house millionaires which is totally silly. He should be busy trying to create cash millionaires. But these Ramsey people don't like to talk honest about how math really works!!!
I’ve always had a knack for getting the money. I reached one million cash in 1981 and lost it all by 1989. Started over and racked up more than a million in 10 years and learned to keep it from the first go around.
Harshing on Yeti today, George, haha. I still love you, man. Best Ramsey personality!
Monday left me broken 😿
I've never related to the references in a video more. Willy Wonka 👀👀
6:46 Blake never caught up 🤯
Willy Wonka 😭😭 such great acting 👌✨
Creed ☠️ Stanley 😂😂
Hey . Thank you to RAMSEY BABY STEPS.I am debt free. I was saving for 3-6 months of emergency fund. Then my car needed repaire out of the blue. $2k. I was so relieved that I had the cash to pay for the repairs. I did not have to borrow money. I had the cash in my wallet😊. It works.
Working in the tech field you see millionaires. As George says they're just common looking and acting folk. You see a person driving a "sensible" car that's a few years old, that has a nice home but not a McMansion, it's a fair chance they are or will be a millionaire. I got started a little late so there was more Blake in my past than would be ideal. But I've made up for lost time. Paid off the mortgage a few years back. Now I'm 62 and could retire most any time I wanted. That late start didn't make it easier but it's still possible without unreasonable sacrifices.
Well how do you assume anything? First outcome comes down to so many factors it is difficult to say why some people are rich while other are not.
Sell your horse!! LOL very clever George!!!!
the jokes hit a little more in this one. good job
"Becoming a millionaire is easy but people don't like to become one slowly." Warren Buffet
Is that a real quote. Nonetheless, so strong
Becoming a millionaire isn't easy. You must have $600 to invest monthly. Most Americans don't save any money, MUCH LESS invest it.
Having $600 to invest monthly is privilege in this economy. Yes you can work hard and make an extra $600 to invest but at what cost ? Missing time with your loved ones ??? Not worth it to me whatsoever
@@yocelyncarrillo-luna6585 Victim mentality. You only need $100 a month to invest starting at age 22 and it will be close to million when you retire. Wait, you rather spend your money on Starbucks, brand new cars, iPhones, streaming services and Amazon junk. Sacrifices are never easy.
@@yocelyncarrillo-luna6585ou are tripping. $600 is not a privilege. The average car payment in America is $700. It's not hard to make enough money to invest $600 or more a month. Stop having a loser mentality and go win. Increase skills, w.e. My wife and I both have decent, but not over the top career/jobs and have kids. We have a good work/life balance and never work more than 40 hours a week. It's not rocket science
@@yocelyncarrillo-luna6585 No one said becoming a millionaire was easy. To George's point with teachers, having a bigger income helps but it's not the biggest issue.
I love this example of Blake and Jack!
I had a coworker once who refused to have a retirement plan because she didnt want to "give the government my money." Her plan? Live off of social security when she retires.
Ouch...that one really knew how it all worked
😅
That's like the cow that refuses to give milk but chooses to stay on the farm. Probably wont end well for the cow.
except a 401K or IRA isn't owned by the govt.
People are really oblivious to planning out for retirement. It's sad really, we live in the wealthiest country.
Great Content Kamel, Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
@@Blitcliffe I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
@@Blitcliffe Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.
Can you do a video about the mutual fund, index funds, and target date funds?
Thank you
I have a friend who is a landscaper(employee, not owner) who will be a millionaire because his Dad made him start an IRA when he was 16. Had he not gotten married(and subsequently divorced) he would already be a millionaire but her lawyer found his IRA and he had to pay her $350k out of it. At 41 he had nearly $700k saved- that's as a wage worker
Just paid off my truck!
You know what's weird. A lot of us have "21k" in some amount somewhere. I famously had 50k by 30 because my parents made me invest. But they told me to put it in rrsp which limited me to high mer funds and not the stock market. So now I can't just set it and forget it. Also 2.5mm in 37 years is aggressive . However, if you got 6% return and only invested 1000$ a year for 37 years you could get that bread. My weird takeaway is that where you invest is critical
The main problem with saving 15% for retirement is social security taxes. The 15.4% FICA taxes prevent most people saving for retirement. If you didn't have to fund that social security ponzi scheme youd be better off
I had a negative NEGATIVE net worth at 35!! Paid off all debt with snowball 35-37. Invested like a mad man and still am. Now I’m 39 and have over 100k.
Mister moneybags with his raise…people get those
If it's true that 80% of the participants in the Dave Ramsey millionaire study came from people who already were
Ramsey followers, doesn't that skew the results to reinforce what Ramsey teaches?
Yep and the huge issue is people don't look at income hard enough. I don't know anyone making the legal minimum who is not broke so behavior can't solve all the problems.
Not "sell the horse if you need to". 🤣 That call has turned into a comedic bit. 🤭
When o when will you update the millionaire study? (Or even expound on it with more current data)
It's not that old. It's only like 4 years old.
@@dreams2383 You’re right, thanks. I thought it was older…”study was conducted over 7 months from Aug 2017 to Mar 2018, so just 5 years ago. (Published in 2019)
Just seems like it doesn’t include tech-related fields. I do hope they are continuing to gather data.
@@joshhoward1289 you can look at the white paper it's actually hundreds of pages long. The book was a much shorter compressed version of the actual study. There was tech jobs because IT and engineer where on there.
How does having a pension change investing for retirement?
Our biggest problem right now is getting through baby step 3. We’ve been here for two years now and between hurricane Ida causing over $50k in property damage, my husband switching job and now on 100% commission (he didn’t receive a paycheck at all this month), I feel like we take one step forward and two steps back. I feel like we’ll be stuck here forever. 😩
But it was a choice for him to go 100% commission. why not have a steady job until you have things in order?
George selling horses again. I get it. First time around, it went viral!
With the downward trajectory of fedfunds rates and the money printers going brrr, I think many people will become millionaires…but a million dollars just wont mean much of anything as far as purchasing power.
I love everything Dave Ramsey...however it does sometimes feel discouraging when George and Rachel talk about it doesnt happen overnight and they have been doing it for 10-15 years...but I've been working the plan gazelle for 15 years and we are still on BS6 and will be there for a long time.
Well done. You are doing great. You are ahead of most people on the planet. Note, however, that Mr. Ramsey says that the gazelle intensity is only for the first few Baby Steps. I cannot remember exactly which, but Baby Steps 1 and 2 for sure, and maybe Baby Step 3. So, it's not meant to be 15 years of gazelle intensity.
I'm a first generation immigrant. Started with negative net worth to almost $300K in my 30s, with now putting 17% of my income into 401K and $40K+ in Roth IRA. I worked overnights and then would go to school in the mornings/afternoons. There were times that I would cry myself to sleep, not from self pity, but from just tiredness and body aches and pains. If I can do it, anyone can. Especially if you grew up in America and don't have an accent. I have a very good high paying job but I took a part time because I want to pay off my house in 10 years. So don't tell me you can't do it.
What does you being an immigrant have to do with natives ability to do what you did? Are people supposed to all be the same. What about all those people who never left where you came from? Are they just like you or the natives. To say something is possible is not to say it is also likely. Also you might have hit the lottery with your outcomes and we both know everyone will not succeed despite their best efforts.
@@donaldlyons17 k
Inflation on average is 4% if you dont take that into consideration your 1 mill will be 500k in 30 years.
Inflation that high is temporary. It's normally around 2% and was less for about 10 years.
“China cabinet full of precious moments, figurines” 🤣🤣🤣 yep I’ve seen that person with that “investment”
Preet Banerjee .. you remind me of
Love the video George, I don't think any of your videos didn't me laugh, I love the various jokes and clips to spruce up the video, they awesome ..
The catch is you gotta have a little bit of sacrifice and build a habit that’s all it is building a habit and then using the money you say from your dad into the other ga I can have a retirement
If you skip college and just work a sales job from ages 18-28 and invest everything and live with you parent you’d be a millionaire. You would also have no life but that’s what most of these young millionaires do.
Guess i cannot invest since I have to wait until my debt is gone. I am 56 years old. I do invest in my 401k plan and will retire in about 10 years. My debts will take me a while to pay off because my income is not high enough so I use credit cards. I try not to overspend but emergencies happen and I don’t have much in Savings, so use credit cards to get by. I will keep investing so I can some when I retire
Yes but although avg is 10% doesn't you get 10% every year.
Calculation is flawed.
I'm confused about his statement regarding compound interest during his Jack and Blake analogy. When we invest, we are buying shares in stocks, bonds, funds. Those shares are exposed to the market and market fluctuations. How does compounding interest play into this? Isn't Jack's money just sitting in funds going up and down with the market?
Hera what you need to do…the complete opposite of what everyone else is doing!
I am still working full time (teacher). Does 10% of my income that goes into my pension each month count towards the 15% towards retirement? I am currently also adding an additional $800 each month into a 403B.
Dave would never have apologized for telling the girl to sell the horse 🐴
11:02 - I'm offended
quoting Mr Durden
Investing for retirement takes time but just keep going. Consistency beats anything each time.
Putting money away for retirement is necessary, but I wish you would talk about non-retirement investing. A couple making good money may max out their retirement investments, but they should NOT stop investing.
My wife and I are in this boat! We are investing 15% in our retirement. But have 35% more which we have just been putting into an High yield savings account. It’s been giving us 4.8% interest!
They do. In short, you should max out your Roth IRAs and 401Ks. If you still haven’t reached 15%, your HSA may be an option. Otherwise, you’d put the rest in a non-retirement brokerage account. Dave recommends a simple S&P500 index funds for this purpose as they are low turnover/more tax efficient. (Or as mentioned also do backdoor Roth options)
George always hatin on em 🐎😂
My Daddy says if I invest consistently I’ll be a millionaire one day. 🙂
George George George what are you do when you’re disabled and you can’t work and you can’t find other work because of the pain. i’d like to have your thoughts on this.
If someone is so disabled that they can't do anything that anyone besides them would value, then it's probably time for the S&W retirement plan when the money runs out. But if someone was that disabled, they probably wouldn't be commenting on YT videos.
@@ordinaryhuman5645 Some jobs will not pay well if people take too long to complete task. There are plenty of people who don't think straight or whatever. People are just not equal .
“The average millionaire pays off mortgage in 10 years”. Is this an accurate picture? Or is this because it is their 2nd or 3rd mortgage? I want to know how many total years of their life that they were paying for a mortgage.
I come for the content but stay for the laughs. 😂
Seriously, George you’re my favoriiiite!
Educational and hilarious :)
Would love to see practical advice for those of us who are 65+, retired and debt-free. Too late to become millionaires but comfortable life on a fixed income is the goal. If you have $100K cash, is it better to save in HYSA, buy a home or do something else?
Ask Dave.
George ain't going to see any fixed income because we're busy paying for yours
If you are willing to get a job, you can put 100% of your income in a retirement account such as a 401k or IRA (up to the annual max). It saves money on taxes.
If you are not willing to be employed again, then you can put money in growth stock mutual funds. That is not a retirement account so it doesn't have the tax protection. But over the long run does give you higher earnings than a high yield savings account. HYSA is perfect for your emergency fund, and also for saving up for things that you need to pay for in the next 1 to 5 years.
@@stuart6478wow your a pimple on the face of society
Why can't you work a bit at part time jobs like pet sitting or tutoring kids? There are plenty of jobs that you don't even have to leave the house.
Look up videos by Josh Scandlen of Heritage Wealth Planning. He does lots of retirement videos with small nest eggs.
If I take my family property I could for do it sooner than later but at 10% now I could make it on my own steam.
What a great video! Thank you
He’s good looking!.!.
Muy delicioso!
How much is a fully funded emergency fund?
Do pensions count toward ones’ net worth? If so, how do you determine the value of a pension?
no, because you don't own the asset. Simple.
@@scottf9044you own your contributions and those of the employer, for most pensions. Unless you get fired for misconduct, this money is yours whenever you leave.