Best retirement plan for a late start to retirement investing.

Рет қаралды 48,029

3 жыл бұрын

Today we're looking to help find a good retirement plan for a couple that is late to retirement investing but still has some debt. Should they pay off their debt before investing more or is there a better retirement plan for them?
We're an investing service that also helps you keep your dough straight. We'll manage your retirement investments while teaching you all about your money.
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Пікірлер: 95

@jesbensommichael8397 Жыл бұрын

When the market goes down then it's buying opportunity. If the market goes up then you are making money. If you stay invested and ignore the market's ups and downs, you'll make a lot of money in the long run; however, a severe market correction causes a lot of margin calls and sell-offs, driving the market even lower. currently, I'm up 13% in my diversified portfolio. As crazy as it sounds some still make enormous returns from this seemingly unknown market. gotta be greedy when others are fearful

@jesbensommichael8397 Жыл бұрын

@@harrisonmichael5047 I have my portfolio very well-diversified, though I did it using trad signals from a US-regulated broker *PRISCILLA DIANE AIVAZIAN* financial analyst and CNBC contributor and it's been a huge relief. Good earnings and little to no engagement at all on my part. Her stock picks are top-notch, I don't worry about market trends anymore because she's quite the genius in trading and portfolio diversification

@jesbensommichael8397 Жыл бұрын

@@harrisonmichael5047 Exactly, most people get it wrong trying to profit off of every move the market makes. Chasing gains is like chasing losses for gamblers. Buy good companies at a good price and watching paint dry is the best advice I can give. Long-term investors know that the market and economy will recover eventually, and investors should be positioned for such a rebound.

@jesbensommichael8397 Жыл бұрын

@@harrisonmichael5047 quickly do a web check where you can connect with her, and do your research with her full name mentioned

@georgerobinson2021 Жыл бұрын

I’m blessed and realizing I’m not the only one working with *PRISCILLA DIANE AIVAZIAN* will consider myself lucky. I’ve been able to feed and make a living through her advice and great work. For such a person as her, we owe her gratitude, support, and endless prayers as it is not easy to gain access to such a competent and reliable adviser. She isn’t just wise but has all it takes to handle investment and is good at what he does.

@Choppus13 3 жыл бұрын

Keep winging these. Love the creative juices flowing.

@wilma6235 3 жыл бұрын

I love seeing these types of examples. On 2030, they should invest the whole $1,000 (800 loan payment plus the 200).

@jameslawrence2553 3 жыл бұрын

Great episode Dustin! Keep doing those it’ll motivate some folks to take action.

@justinlange888 3 жыл бұрын

That was interesting. Would enjoy seeing more, thanks.

@sf7234 3 жыл бұрын

Definitely need more of these!

@justinshearer8180 3 жыл бұрын

It does not make sense to me investing when you have a bunch of credit card debt at 17% interest with 22,000 cash flow per year you can keep 10K as buffer and use 12K which is $1,000 a month toward debt and be debt free within 5 years then invest additional $1,000 a month forward

@levedia 3 жыл бұрын

i agree with Dave Ramsey not this amature

@arvindprabhu6847 2 жыл бұрын

Your love for what-if analysis is commendable

@MissFinance 3 жыл бұрын

Looking forward to more of these!

@davidwilken3584 Жыл бұрын

The first couple will never get out of debt until they stop going into debt. If they have a debt consolation loan it’s most likely from being overextended on cc debt and now they’ve got into the cc mess again. They need financial discipline to move ahead.

@wheatonrunner69 3 жыл бұрын

Loved it. Would enjoy seeing more retirement strategy videos.

@brucesmith6868 3 жыл бұрын

Thanks Dustin love case study with graph helps hit home.

@Jazzwealth 3 жыл бұрын

Glad you like the case studies in the video and as always thanks for watching Bruce!

@edgarantonio5728 3 жыл бұрын

Great info

@tomatodo8334 3 жыл бұрын

I would pay the debt in 5yrs and increase 401k at that time.

@ResourcesWithMarie 3 жыл бұрын

Great Video ...very informative

@curtisdickson6277 3 жыл бұрын

Love this dustin please do more

@Muller_Andr 11 ай бұрын

I’d be retiring or working less in 5 years, and considering this financial recession, I’m curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $250K per year but nothing to show for it yet

@AnkurYo 11 ай бұрын

Do you have a 401k? you should contribute to your retirement diligently, or better still look into financial planning

@Jennapeters144 11 ай бұрын

Very true, I find myself lucky enough exposed to money management at an early age. Worked full time when I was 19, purchased first home at 28, fast forward time... I'm 50 now, got laid off March 2020 amidst lockdown, a blessing in disguise. At once, I consulted an advisor to stay afloat and with subsequent investments, I'm only 15% short of $1m as of today.

@simone_maya 11 ай бұрын

@@Jennapeters144 this is huge! would love to grow my reserve regardless of the economy situation, my 401k has lost everything accrued since early 2019, at this point, i'm in need of guidance, can you point me?

@Jennapeters144 11 ай бұрын

@@simone_maya I’ve shuffled through a few experts in the past, but settled with ‘LOREN LENA WALKER’. The strategy they use is recession-proof, more specifically profit-oriented, and most likely, you'd find her basic info on the net, she's a renowned advisor.

@simone_maya 11 ай бұрын

@@Jennapeters144 thanks for info! curiously copied and pasted her full name on my browser, spotted her page easily, she actually looks very distinguished

@anibalty 6 ай бұрын

Any thoughts on where to begin when time is limited?

@DanielAdolf 6 ай бұрын

I've heard about *David Marvin Willis* . He specializes in late-start retirement planning. Maybe he has some tailored strategies to make the most of the time we have. What do you think?

@RoryCormac-tj2yi 6 ай бұрын

Late start doesn't mean no options. Always mix strategies. Exploring high-yield investments and personalized plans could be the key

@jeffwilson1097 3 жыл бұрын

Really like this video! Nest Egg is a cool retirement tool

@Jazzwealth 3 жыл бұрын

Glad you like the video! Thanks for watching!

@ThinkMoneyBenny 3 жыл бұрын

Stocks doing great today lets goo✅

@tomatodo8334 3 жыл бұрын

Need more examples using this software

@pwanlass 2 жыл бұрын

Can I buy the NestEgg software to use myself?

@tantaluss68 3 жыл бұрын

I love your videos I'm a late starter at 54yrs old I only have about 10k saved I clear about 30k a year after all my bills so I feel not to bad as far as debt to income I'm saving about 10% toward retirement but I don't know what to invest in I'm not sure if I should go for high growth ETF's or mutual funds my growth projection for retirement look grim and I would like to take some steps to improve it

@Crazyknives 2 жыл бұрын

What did you do, where are you investing? I'm 54 too I I would like some advice, thanks? Hope you see this 🙏

@MrSean03839 3 жыл бұрын

I would pay off the debt. The debt interest was 16%, so paying it off is a guaranteed 16% return.

@jicalzad 3 жыл бұрын

is that NestEgg tool you're using some kind of proprietary software or can anyone access/pay for it? It looks really good by the way

@Choppus13 3 жыл бұрын

Free to his customers that have over 25,000 in an account i believe.

@ahumm8280 3 жыл бұрын

@@Choppus13 thats all?

@Choppus13 3 жыл бұрын

@@ahumm8280 used to be free to all customers, even with lower balances.

@jumpthenfal 4 ай бұрын

How can you get access to this software?

@brendondowdy5651 11 ай бұрын

Anytime your interest rate is higher than what you could reasonably expect to get in the stock market you need to pay it off asap. Unless planning on bankruptcy

@reign0ffire88 3 жыл бұрын

Kelly needs full time employment and both need side jobs on the weekends until the CC's are paid off. This would improve their situation a lot while only sacrificing for 2 years.

@StunningTransformations 2 жыл бұрын

What about an LIRP???

@jonheredia8789 3 жыл бұрын

How about in your 60s?

@edwardsmcintyre9014 3 жыл бұрын

Do both it takes little to invest

@bwagner4393 3 жыл бұрын

How can I get this done for me and my situation?

@jerrysmith2085 3 жыл бұрын

B..Thanks for commenting,I will refer you to my trade analyst and accountant for bitcoin other crypto and stock investment +1 4 1 5 4 7 7 1 6 1 5 W.h.a.t.s.a.p.p Do well to let him know I referred you to him his strategies are top notch✅....

@boudicca7070 3 жыл бұрын

Can you do more of this and use me as an example? ;-)

@louisjmendez7159 3 жыл бұрын

I was at a retirement seminar and the speaker spoke on how he quit his job after he made well over $950,000 PROFIT within 3months he invested $120,000. I just began investing and i will really appreciate any tips or helpful guide.

@johndwilson638 3 жыл бұрын

Just seek professional help from a mentor or a financial adviser.

@karolings1774 3 жыл бұрын

Tip; I’m a new investor as well and I use a broker Joanna Maliva Lee, she’s been guiding me with my investment since I began Late Dec and I’ve been able to accrue a profit of $426,000 with a principal of $85,000

@eileenr.nelson2966 3 жыл бұрын

@@karolings1774 That's wonderful, i've always been told that investing with an expert has it advantage but i have no idea how to find one

@michaelharris296 3 жыл бұрын

I think i may have actually come across Joanna somewhere talking about the stock market and she spoke so brilliantly, please how do i get to reach her?

@williamgarcia1210 3 жыл бұрын

@@karolings1774 thanks for sharing, I am currently on her website and what I see is impressive. her resume and her experience is just awesome. I hope she replies me

@brendondowdy5651 11 ай бұрын

Pay the debt immediately. Interest rate it to high.

@Betty-dc5ck Ай бұрын

Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.

@Helen-tg4tr Ай бұрын

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst

@Helen-tg4tr Ай бұрын

Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

@producer7177 3 жыл бұрын

Check out off grid trading. Live daily 9am to market close teaching how to earn a steady income trading. Done by a former brokerage owner that has been doing this for 20 years!

@EH-ze8hf 3 жыл бұрын

Why start your life at an old age

@Philg119 3 жыл бұрын

How do you feel about Bitcoin as an investment these days?

@gregoryking4796 Жыл бұрын

Lol why wasn’t the girl going full time an option

@Torria784 2 жыл бұрын

He talks too fast.

@dabd8175 3 жыл бұрын

They need rice and beans! Freaking boomers

@Mexicobeanpole 3 жыл бұрын

They’re not boomers. 40. Makes them Gen X.

@YTDataAnalyst 2 жыл бұрын

Just retired and i am losing it already. What has changed your financial live positively after retirement?... (A RESEARCH POOL 📌)

@kathleenstoner.n7499 2 жыл бұрын

Has to be FX-Trading!!! Making a very good weekly passive income through it.

@kathleenstoner.n7499 2 жыл бұрын

Not a Pro. LoL. I work with "Sandra Yvonne Webster" in all honesty she is an Angel. Do your own research!

@dr.karidouglas1312 2 жыл бұрын

Sandra was here in Utah for a seminar. She spoke about Nft bubble Great speaker, full of humor and rhetorics too. Lol!

@Thompson7888 2 жыл бұрын

Fish farming.

@CarolynELane-my5ch 3 жыл бұрын

@christopherkraft5553 3 жыл бұрын

Tip; I’m a new investor as well and I use a broker Joanna Maliva Lee, she’s been guiding me with my investment since I began Late March and I’ve been able to accrue a profit of $526,000 with a principal of $85,000

@lilliankelly5630 3 жыл бұрын

@@christopherkraft5553 That's wonderful, i've always been told that investing with an expert has it advantage but i have no idea how to find one

@nicholasfee5249 3 жыл бұрын

@@christopherkraft5553 I think i may have actually come across Joanna somewhere talking about the stock market and she spoke so brilliantly, please how do i get to reach her?

@vanessachow7274 3 жыл бұрын

@@christopherkraft5553 hey thanks for sharing, I just looked her up found her website and left a message, hope she replies soon. I really want to make some profit of this.

@angelicanelson7531 2 жыл бұрын

Yes I know about him,just that I lost my contac t with him,can you help me with that please