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32 replies
  1. John D
    John D says:

    Reme,ber this caller works for us as a Gov employee and he does not know basic info about investing. But he will get a taxpayer paid retirement and you won't

  2. Killian Reid
    Killian Reid says:

    My credit score is currently 822.i have been following xhackwiser on Instagram learning how t build my credit by myself,helped me clear my credit card debts with his ethical skills or contact hackerxino@gmailcom

  3. autopilot
    autopilot says:

    I began saving for retirement the day I graduated college. Consistently, every year and maximizing my annual contributions. The key to investing is not to be fearful and to have an understanding of your investment mix. Our savings and retirement funds have suffered through 4 major market downturns but we did not panic or withdraw any of the funds. Understand the timeline and that the investments will go up over the long haul. If you take those small slices of time where our funds lost significant value, it would scare you to death. But, you cannot only look at those points in time but the full spectrum of your investment lifetime.

    The answer to the video title is different for every individual. Only you can determine how much you need for retirement based upon your life’s circumstances. Map out a plan or a budget of your post-employment life. That will help determine what you’ll need for retirement. Hopefully, you’ll have some extra to do the fun things in life during retirement. Then, look at your current investment/retirement portfolio. Project future savings rates and future investment growth to the point that you’ll need it for retirement. If the earnings off those funds at that future retirement date (adjusted for inflation) is more than you’ll need, you’re set. If not, then you’ll need to adjust your savings/investment plan to meet that future need.

    Do not, however, base future investment growth on the crazy 12% average annual return that Dave suggests over and over again. That’s not realistic in most cases. If your total investments average that much in annual returns, then your investments are way too risky and much more susceptible to loss if a major financial crisis occurs.

    We have an individual financial advisor handling our funds and meet with him and his team once each quarter. They keep you disciplined and on track to meet your financial goals. Find one of your own or use one of Dave’s ELPs (we do not use his). Saving for retirement is the same principle as budgeting. It’s all about planning and sticking to the plan. You don’t have to be a financial expert to be successful. But, you cannot let the fear of the unknown paralyze you from not doing it.

  4. Tina Huston
    Tina Huston says:

    Unethical investing is being recommended. He's recommending to invest in "whatever" so long as it is in four different risk levels. So go ahead and invest in big polluting companies, invest in thieving banks, invest in companies that enslave children, invest in companies that cause global warming, etc. And just don't worry about it.

  5. Leilani Ku'uipo
    Leilani Ku'uipo says:

    We can't afford FPU + books on a wait list at the library. My husband retires in 1 year April 2020. We have emergency fund, debt free,  have a few k's more in savings than 1 year of my income.  Spouse 401k just got up to 15%, we're working so hard to save. Need advice on how can we survive on SS income after bringing in 174 per year? Have 3 properties. 2 rentals + the home we live in. All have equity, all have mortgages. Planning on selling 2 properties, keeping 1 rental, move to a cheaper state 4 retirement, pay cash for the new home, we'll be retiring w/ about less than 200k in cash, not including the $$ for the home purchase in cash. Can anyone help me w/ our situation. Full disclosure, I'm quite ill so my income will remain the same when we retire. I'm still in my 50's but not my spouse. We scrimp, save + will have to get my husband dual coverage health insurance as I have. We pay over 25k-30k in med supplies, care & in home help + insurance. The Lord will see us through. The reason we couldn't save for retirement is medical expenses, appreciate any advice.

  6. joshchapo
    joshchapo says:

    I work at a place that has given me 401k since I was 21 worked there since I was 18 now 34 I have 157,500 in my 401k, my work gives us 17% of our gross pay for the year. We cannot take loans, withdraw or add to it ourselves. It's my works incentive to work hard and you will be rewarded. We have free health insurance also. Do I need to put anymore away? My job claims it will make a great nest egg for retirement with their 17%. If you work there long enough. I don't plan on going anywhere. Also the money they put away for us goes straight to a savings account, no play in stocks. Our top driver has been getting around 19,000 for the past 5 years, he been there for 24 years, hasn't always been 19K due to raises over time, so my main question is still will 17% of gross pay over next 30 years suffice? ( with having 157,500 already in my 401k

  7. Sarah Nash
    Sarah Nash says:

    I had a loan for a Benz C class $25,300, a student loan on which I owed $9,600, a second student loan of $22,780, and a Home Equity loan totaling $31,560. I got so confused with my financial life and thought it was the end when I lost my job until my neighbor introduced me to zeushackers01 AT outlook DOT com and they were so good with counselling and assisted with clearing all the debts in just few weeks and even improved my credit scores to 800 plus. I’ll refer them to anyone with similar issues.

  8. Luigi di benedetto
    Luigi di benedetto says:

    i am debt free and own my home. Reduced my expenses to 10% of my income and it is It 2018 and the majority of my 2018 expenses were prepaid at the end of 2017. For example my rates (land taxes) in 2016 was $349 and i paid it in one hit. At the end of 2016, i prepaid my land tax for 2017 $349 and when i got my land tax bill it went up $22 to $371 and with $22 to paid, it was easy to pay. I do the the same with my electricity bill and the the electricity company gives me 22% for having it paid in time, where do you get that kind of return.

    It is the end of April 2018 and my only bill was $100.10 and my food costs and fuel bill is factored in the 10% of my living expenses. It is my intentions to reduce my living expenses to 5% of my income . When i do i will prepay my expenses for five years and pay any increase in my expenses as in my land taxes as i go. Not as much as to pay the entire amount.

    i will be 56 in October 2018 and my living expenses will be prepaid to the age of 60. Plus i save 50% of my income, giving me a years income saved every two years as my cash reserve plus any return i make on that money. Let wisdom be your guide on how to handle your finances and not foolishness. Don't grow old – GROW UP.

  9. laurah6381
    laurah6381 says:

    What if my husband and I have 3 pensions between us? We also have 401k's, and some investing. I want to keep saving money, but my hubs thinks having our pensions will be enough.. our house will be paid off in retirement. We have no debt except our house right now..

  10. Rex II ForSure
    Rex II ForSure says:

    My mother is 59 and just retired, she wants to wake college level science courses, her friends say that’s quite unorthodox and discouraging her. I don’t think I would discourage it

  11. reptilianskin
    reptilianskin says:

    I like large cap dividend paying stocks. And I especially like companies that have paid dividends a very long time, and raise their dividends consistently. If a company has a dividend paying history of 80 years plus and in every 8-10 years the dividend payment doubles, that is a company I want to own. Because my company pension plan is not indexed to inflation, but dividend growth is an excellent way to increase your income ahead of inflation over the long term. It gives me peace of mind that I will not outlive my income or savings.

  12. pat
    pat says:

    A lot of us might wish to consider moving to a country with a lower cost of living, at least for part of retirement, say until 65 when Medicare is available. We've been considering Mexico after watching #Jerrybrowntravels YouTube channel. It's a view on Mexico you usually don't hear about.

  13. Ryan Cook
    Ryan Cook says:

    I've been contributing to my 401k since I was 25 and I'll be lucky if I am ever able to retire…. my company does not contribute anything, and in 2008 I lost about $1000 a month in my 401k… almost 15 years later and I only have $40k in it… at least I have an easy desk job that I can do up into my 80's… but honestly with my family history I'll be lucky if I live much past 60 anyway


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