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AGE 20: Average Net Worth: $39,915
1. GET A CREDIT CARD
The point is to begin building up your credit score as soon as possible, and since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for…this is something you should do immediately.
2. OPEN A ROTH IRA
This will allow you to invest $6000 per year and grow your money COMPLETELY TAX FREE by the age of 59.5…meaning, by the time you’re older…everything is pure profit.
3. SAVE 20% OF YOUR INCOME
4. INVEST IN THE MARKETS
AGE 30: Average Net Worth: -$1043
1. GET A CREDIT SCORE OF AT LEAST 750
2. BE BAD-DEBT FREE BY 30 YEARS OLD
This means you’ve paid off any loans or debt that’s above a 5% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low interest rate mortgage or student loan…you don’t have anything weighing you down.
3. HAVE A 3-6 MONTH SAFETY FUND
4. AIM FOR 1X YOUR SALARY SAVED
AGE 40: Median Net Worth: $80,000
1. MAX OUT RETIREMENT ACCOUNTS ANNUALLY
2. MAXIMIZE YOUR EARNINGS
3. HAVE A BUDGET - NO MATTER WAHT
4. KNOW HOW MUCH YOU NEED TO RETIRE
The rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending INVESTED in order for that money to last you without running out.
AGE 50: Median Net Worth: $212,000
1. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES
2. BE CLOSE TO PAYING OFF YOUR MORTGAGE
3. HAVE A CLEAR PLAN FOR RETIREMENT
AGE 60: Median Net Worth: $266,000
1. AIM FOR 10-12X YOUR SALARY SAVED UP
2. PAY OFF YOUR PRIMARY RESIDENCE
4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTS
Obviously, this is only going to be a rough ballpark and some people may be way ahead or way behind this - but, that’s not important - it’s more important to realize that NOW is the best time to begin working towards these goals, and showing you that - the sooner you start - the easier it’s going to be…even if you’re not as far along as you would’ve liked.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/.
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
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AGE 20: Average Net Worth: $39,915
1. GET A CREDIT CARD
The point is to begin building up your credit score as soon as possible, and since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for…this is something you should do immediately.
2. OPEN A ROTH IRA
This will allow you to invest $6000 per year and grow your money COMPLETELY TAX FREE by the age of 59.5…meaning, by the time you’re older…everything is pure profit.
3. SAVE 20% OF YOUR INCOME
4. INVEST IN THE MARKETS
AGE 30: Average Net Worth: -$1043
1. GET A CREDIT SCORE OF AT LEAST 750
2. BE BAD-DEBT FREE BY 30 YEARS OLD
This means you’ve paid off any loans or debt that’s above a 5% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low interest rate mortgage or student loan…you don’t have anything weighing you down.
3. HAVE A 3-6 MONTH SAFETY FUND
4. AIM FOR 1X YOUR SALARY SAVED
AGE 40: Median Net Worth: $80,000
1. MAX OUT RETIREMENT ACCOUNTS ANNUALLY
2. MAXIMIZE YOUR EARNINGS
3. HAVE A BUDGET - NO MATTER WAHT
4. KNOW HOW MUCH YOU NEED TO RETIRE
The rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending INVESTED in order for that money to last you without running out.
AGE 50: Median Net Worth: $212,000
1. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES
2. BE CLOSE TO PAYING OFF YOUR MORTGAGE
3. HAVE A CLEAR PLAN FOR RETIREMENT
AGE 60: Median Net Worth: $266,000
1. AIM FOR 10-12X YOUR SALARY SAVED UP
2. PAY OFF YOUR PRIMARY RESIDENCE
4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTS
Obviously, this is only going to be a rough ballpark and some people may be way ahead or way behind this - but, that’s not important - it’s more important to realize that NOW is the best time to begin working towards these goals, and showing you that - the sooner you start - the easier it’s going to be…even if you’re not as far along as you would’ve liked.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/.
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
What's up you guys, it's graham here, so i know i can't be the only one who does this, but have you ever wondered? How much does the average person have saved and invested by every age or what about how much income does it take to rank within the top one percent of your 20s versus 30s versus 40s? And how do you compare well wonder no longer because we're going to break down exactly what the experts recommend you have invested throughout every decade, the average income within every percentile across the board and then whether or not that's, actually a realistic milestone for everybody. Watching the point of this video is not to compare yourself with everybody else, but it can be a very important measurement to keep track of, because without knowing whether or not you're investing enough, you won't be able to properly adjust your spending. No one to cut back and know how much money you need stashed away to make sure you never have to work another day in your entire life ever again, plus the top one percent isn't necessarily as high as you might think. It is especially if you're in your 20s so sit back, relax and i'll cover exactly which milestones to hit right after you hit that like button for the youtube algorithm doing.
That gives me a really good indication of these are the types of videos you want to see. More of so, if that's the case, just let me know by hitting the like button, so thank you guys so much and also big. Thank you to public.com for sponsoring this video, but more on that later, all right, so right off the bat. Here's! What i found surprising did you know that you only need thousand four hundred dollars to be richer than the average millennial yeah.
Neither did i and these numbers get even more surprising when you start looking at the median statistics of people in their twenties in terms of how much they have saved and invested now. The first number we should look at is net worth. This is calculated by adding up everything you own a value and then subtracting your debt, and that number that's left over is your net worth so with that out of the way, i want you to take a guess at what you think the average net worth is Of a 22 year old just go ahead, take a guess all right! Well, according to the college investor that average net worth is negative 39 915 dollars, which means, if you're watching this at 22 years old and your net worth is zero. Then technically you're way ahead of the average.
Now, in all fairness, this number is heavily skewed by student loan debt, since a lot of young adults start off with absolutely nothing they're, not making any money and they're taking on enormous student loan debt. So don't worry guys. The numbers do get a lot better from here, although in terms of how much the average 22 year old makes here's where things get interesting. The average income for this category is twenty four thousand six hundred and ten dollars a year and just take another guess at what you think it takes to make it within the top one percent of 22 year olds seriously. Just take a guess and comment it down below one eternity later, alright. Well, that number is 132 thousand dollars. Don't get me wrong, it's a lot of money, but it's still a lot less than what it would take to be within the top one percent of all u.s earners, which is 737 000 a year. But lastly, as far as how much this age bracket has invested.
Unfortunately, there is not a breakdown that exists by age throughout this category, although it does appear that by the age of 24, the average 401k balance is 4 745 and by the age of 29. That number grows to 9 404. Now, since there's a very limited and skewed data set of people in their 20s, here are my own recommendations that i think would apply to nearly anybody watching, regardless of how much you currently make or save number one. The first thing you should go and do is open up a credit card.
The point of this is to begin building your credit score since 50 of your score is comprised from your on-time payment history and how long you've had your credit open for it's really as easy as signing up for a no annual fee secured credit card like discover It putting a few small expenses on the card every single month and then paying it off in full. It's that easy. Second also make sure you go and open up a roth ira now i know i say this in every single video, but it's true and i'm not going to stop talking about it until everybody eligible actually goes and gets one. This is going to allow you to invest 6 000 a year into an account that will eventually be completely tax free at the age of 59 and a half the third.
In addition to that, i would recommend you start saving 20 of your income. Now, usually, i would set a more strict measurement here, like save two to three times worth of your expenses, but honestly, i think setting yourself up with good financial habits as soon as possible. Is way more important and if you could start saving 20 of your income now it's gon na be so much easier to carry that forward in the future and fourth, you should get yourself invested in the markets in some way or another plus. By doing this, it's going to give you the experience of investing on a small scale.
You could see what it's like, and then you could learn how to grow your wealth for the future and best of all, when today's sponsor public.com heard that i was making this video, they wanted to be a part of it and help you on your investing journey. If you're not familiar with them, they're one of my all-time favorite investment platforms, because not only do they not sell your data and route, your order flow to high frequency hedge funds, like some other investment apps, do, but they also incorporate an optional social aspect into the Entire experience, where you can make a profile talk with other like-minded investors or you can follow me on there, because i post some of my own stock picks and thoughts about what's going on with the market. They have an amazing interface. That's incredibly easy to use! It's easy to navigate and they allow fractional investing meaning. You can invest in your favorite companies for as little as a dollar without having to buy the entire stock all at once. Plus, you could easily set it up so that they'll automatically reinvest the dividends for you. Allowing your investment to continue to compound and grow over time without any additional work on your end, not to mention public, wants to invest in you and give you a completely randomized free slice of stock worth anywhere from three dollars to a thousand dollars. When you use the link down below in the description with the code, graham so thank you guys so much enjoy that free stock and then lastly, finally, i want to say this: now is the time where you should realistically start thinking about how much money you need In retirement now i know this is not what most people in their 20s want to think about, but trust me as you're about to see the sooner.
You start the easier it's going to be. For example, if you want your money to generate enough to, let you earn 50 000 a year without ever having to work another job in your entire life ever again, you're going to need one million two hundred and fifty thousand dollars invested. If you start at the age of twenty, you could do that entirely within a roth ira by just investing four hundred and sixteen dollars a month. That means, if you ignore the rest of the video, but you just do that.
One thing you've essentially been able to retire, regardless of how much other money you save or invest so really. Overall, in your 20s, there aren't that many goals or milestones to hit, but it is important to set good financial habits that you could build from which eventually lead us to this. How much you need invested by 30 years old, let's start off with the average net worth, and i have a feeling it's probably going to be a lot lower than what you would expect. According to the college investor, the average 30 year old has a net worth of negative 1043 dollars and by the age of 35, the wall street journal reports.
The average net worth is 10 400. This is most likely due in part to student loan debt making. This number seem artificially lower than it should be, and i have a feeling most 20 somethings have not earned enough income to begin paying that down or really building their wealth to a significant degree. Now, in terms of how much the average 30 year old is making, that amount was recently found to be 49 to 813 a year, and if you want to make it to the top one percent of all 30 year old earners.
Well, that's going to take you 210 000 annually, then just for fun. If you want to know what it takes to be within the top point, one percent of all 30 year olds - that's going to take 570 000 a year as far as how much they have invested. One article shows that the average 30 year old has approximately 45 000 saved well. Investopedia says that the average number is more like 38 400 than a 401k for those between the ages of 30 and 39.. So, even though some of these numbers are all over the place, the average rule of thumb is just this by the age of 30. Almost everybody recommends that you have the equivalent of one year of your salary saved and invested. Now, to me, this just seems a little bit too simplistic, since most likely you're just settling in your career, paying down debt and increasing your income. But overall, i think if you follow these few main milestones in your 30s you'll be totally okay.
First, you should aim to have a credit score of at least 750.. This is going to put you in the best position to get a low interest rate mortgage or otherwise be the ideal borrower for anything you need. Second, you should also aim to be completely bad debt, free by the time you're 30.. This means you paid off all of your debt or loans above a five percent interest rate.
You don't have any credit card debt outstanding and, besides the possibility of a low interest rate mortgage or student loan debt, you don't have anything else weighing you down the third. You keep a three to six month emergency fund. At all times doing. This is as simple as calculating how much money you need to survive every single month, whether that be food, rent, car payments, pokemon cards, you name it and then saving up three to six months worth of those expenses.
Just in case you need it. This is meant to be your safety net. In the event something happens, you have nothing else to fall back on and fourth, i agree that having the equivalent of your salary saved up is a good base to aim for now. Obviously, this will depend on quite a few factors, including your income, your student loan debt and how quickly you're able to land a job, but under the right conditions, it's definitely possible to have a year's worth of salaries saved up by 30., but seriously, don't worry if You're 30 and aren't anywhere near close to this there's too many variables here to make a one-size-fits-all approach.
So as long as you follow every other milestone day-to-day you'll be totally fine. Now, since we're going with this whole earn 50 000 a year without working goal, if you're just now getting started at 30, and you want to have that same goal of 1 million and fifty thousand dollars by the time you're sixty - you could still do it. But you will have to save eight hundred and ninety five dollars a month to catch up again. If you're earning the average income of forty nine thousand dollars a year, that's the equivalent to you saving twenty five percent of your income after tax.
So it's absolutely doable! But it's going to take some work and now, in your 40s, here's where things really begin taking off. This is where most people begin to hit their peak earning years and all of that hard work you put in throughout the last 20 years begins paying off now. In terms of the average 40 year old net worth, that's now grown to a median 80 000 according to the financial samurai blog, but since some people end up making so much money throughout their 40s. That tends to skew the numbers to some pretty high amounts. And that's why bankrate found that the average net worth could be as high as 457 000, but in terms of how much the average 40 year old makes, that amount is 70 361 dollars. And if you want to reach the top one percent of all 40 year olds, that amount would be a lovely 363 thousand dollars, while the top 1 percent of net worth for 40 year olds is one and a half million dollars. Of course, if you want to take it even further and be within the top point, one percent of all earners at 40 years old - that's going to take 1.1 million a year now. I also found that interesting.
But if you want to turn it up even more and get to the top 0.01 percent of all earners, that amount is going to be seven and a half million dollars a year anyway, coming back down to earth the average 40 year old has 63 000 saved Up and investopedia tracks, the average 401k balance at 93, 400 and generally, alongside that, most experts and guidelines suggest that you have three times your annual salary saved than invested by the age of 40.. In order to do this, assuming that requires you to have three times the annual 70 000 salary invested, you would need to invest anywhere from 15 to 25 of your income beginning at the age of 25, and that would leave you with just over 217 thousand dollars At a seven and a half percent return, so it's absolutely possible, but it will require some consistency to actually stick with it beyond that, though, here's a few of the recommendations that i'd like to throw into the mix to make sure these are all milestones that everyone Can work towards first, you should focus on maxing out your retirement accounts every single year. This would include your roth ira at up to six thousand dollars a year, a 401k up to 19 500 a year or an hsa up to 3 600 a year. The second! You should also aim to maximize your earnings over the next 10 years.
The reality is, as you approach the highest earning years of your life, you should do everything you can to make the most of it. After all, it was found that employees who stay within the same company for more than a few years get paid on an average of 50 less than somebody else who changes jobs more frequently. So now is the time to leverage that and make the most money for the time that you're going to be working. Then third have a budget that you stick to no matter what, even though technically this is something that you should be doing at any age.
It's especially important now because, even though you're probably making a lot of money, you could be spending a lot of money and that's why it's so important to still live within your means, think long term and make sure whatever you're doing is sustainable and, fourth, you should Know exactly how much more you need to invest if you want to retire by your goal. The rule of thumb here is that for a 30-year retirement, you'll need to have anywhere from 25 to 30 times your annual expenses saved up. In order for that money. To last you without running out, that means, if you spend forty thousand dollars a year, multiply that by twenty five to thirty, and you will need anywhere from one million to one million two hundred and fifty thousand dollars invested now. Obviously, if you want more than that or if you're way further behind, it's going to take a lot more work to get there. For example, if you start out with nothing at the age of 40 - and you still want 1.2 million dollars by the time, you're 60 you'll need to invest an average of 2 000 a month to catch up point being. These are all calculations that you should really try to figure out as soon as possible, because the sooner you start thinking about this, the easier it's going to be and the better you can plan ahead. But now we should talk about how things begin stacking up by the time.
You're 50.. The median net worth for someone at this age is 212 000, while the average net worth is much higher at one million. One hundred and seventy five thousand dollars again boosted up by all of those pesky billionaires who skew these statistics way too much, and if you want to be within the top one percent of people who are 50 well, that is going to cost you 9.7 million dollars. Now, what i found interesting is that the income in your 50s doesn't really increase that much from your 40s.
In fact, the average income here is around the same 77 000 a year, while the top 1 percent earn around 455 000 a year. Then the top point - one percent - also earn about the same 1.1 million dollars annually. So it's not a huge change from that of your 40s. Now, at this point, most standard guides say that you should have about five times your annual salary saved up by 50..
So if you're making the average 70 000 a year, you should have 350 000 saved and invested, but if you still have the same goal of reaching 1.2 million dollars by the age of 60, then following this advice could actually leave you behind. Just consider this. Had you been investing 416 a month starting at the age of 20, that would have grown to nearly 600 000 by the time, you're 50., which would be a lot higher than the recommendation here. So, as my own milestone, recommendations to work towards first ideally aim to have at least seven to eight times your annual salary saved up or 10 to 12 times your annual expenses invested, depending on how close you are to your goal, if you're further behind than originally Expected your options are really one of three retire: later: invest more money or win the lottery, the second, depending on your situation, you should be about halfway through paying off the mortgage on your primary residence. Some people might have mixed feelings on whether or not this is needed, but my personal philosophy is just this: i love low interest rates and good debt, but there is also something to be said about the security of having a paid off home. So, even though you don't need to pay it off sooner than expected, it's probably a good idea that once it's paid off, you keep it paid off. And third, you should have a very clear date in mind in terms of when you could retire and how much money you need to get there again. This uses the same calculations that we've covered before, but assume you're going to need 25 to 30 times your annual expenses invested to be able to live comfortably without ever having to work.
Ever again, this could include moving to a different location, cutting back on your expenses and doing everything you can to plan for a time where you might not be making a lot of money. Now that doesn't mean you could never be working in retirement, but it is about planning for a time where you have the option not to work. If that's something you want to do and then finally, we got 60. for those who are curious.
The average income stays about the same at 76 000 a year with the top 1 percent, making about five hundred and ten thousand dollars a year. Now, as for net worth, the median falls about two hundred and sixty six thousand dollars, with the average being significantly higher. At one million two hundred and seventeen thousand dollars and if you're wondering what it takes to be within the top one percent of this category, it's 11 million 100 000. Now again, most standard guides say that by now you should have seven times your annual income saved up, but i somewhat disagree with this and here's what i think, ideally by 60 years old you're gon na, want anywhere from 10 to 12 times your salary saved up.
If you start thinking about this by the time you're 30, this could easily be achieved by investing 10 of your income every single month at a 7 return. Then, if you bump that up to 20, you could save 20 times your annual salary in 30 years. The second, i also think it's a good idea to have paid off your primary residence by now or, if you've done that, yet at least you're getting close, this is going to give you a lot more stability in retirement by having a fixed cost for housing. You won't have to worry about your other costs going up, not to mention you also have a paid off asset that you could sell in the event.
You ever need the money or need to downsize the third. It's usually said that this is where your income will have peaked or begun to decline. So, if you're still in the highest earning years of your life, now is the time to really make the most of it and save away as much as you possibly can. And fourth, if you want to now is the time where you could begin withdrawing from your retirement accounts without any penalties at all. You could also begin collecting social security beginning at the age of 62, so this could help offset some of these numbers and really from here. The rest is up to you now. Obviously, all of this is just a rough ballpark, and some people could be way ahead of this and way behind this. But that's not important, it's more important to realize that now is the best time to begin working towards these goals and showing you that the sooner you start the easier it's going to be, even if you're not as far along as you would have liked.
It all starts small, with budgeting saving your money, investing consistently living below your means and then, most importantly, over everything, smashing the like button and subscribing for the youtube algorithm with that said, you guys thank you so much for watching. I really appreciate it also feel free to add me on instagram. I posted pretty much daily. So if you want to be a part of it, there feel free to add me there.
As my second channel. The gram stefan show i post there every single day - i'm not posting here. So if you want to see a brand new video for me every single day, make sure to add yourself to that and, lastly, make sure to get your free stock down below. In the description, let me know which one you get thank you so much for watching and until next time,.
Just turned 20 and this video made me realize I'm doing a lot better than I actually thought
If all theses people are horrible at managing money then why would you get a credit card when people are so comfortable with debt
This is advice for average people, not if you want to 10X your income and 10X your life.
how are you supposed to open a roth ira with no constant source of income at 18 also how do you get approved for a credit card with no source of income
I am 19 and i want to open a credit card to start to get a credit score but my dad wont let me saying its just a credit card scam and idk what to do
Is it really better to have 10-12x times your yearly salary in savings than paying off you morgage? It feels a bit off for me…. i assume it will depend on your interest rate to morgage rate but I would be surprised if that was the case
How can I invest when I don’t have my own house/apartment, not even have my own car
Does the net worth include your home because if the average 30 year old is only -$1000 that’s actually really good I’m -124,000 because of my house at 28
in a few months or no time people we
definitely be kicking themselves regret for
missing the opportunity to buy or invest in
cryptocurrency .
how DU HECK does a 25 year make 40-50k a year? I am doing two jobs earning mayyybe 30k lol
What if your joint income exceeds the limits to contribute to Roth? If I already have 401k do I open a traditional IRA as well?
Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works.
It’s important to remember that no investment strategy is likely to produce market-beating returns year after year and none are immune from the risk of losing money
For the average income, are you referring to gross income or what you actually bring home??
Thing is there is nothing like a roth IRA in my country and salaries are 1/3 of American salaries. I can save up to 30% of my salary but I need to live in a very, very frugal way and still I would save a lot less money than the average American in their 20s
The secret of your future is hidden in your daily routine. Successful people do daily what the unsuccessful only do occasionally
I invest 70% of my paycheck and when I get the paycheck what ever made it I move it to my savings I dont have any bills maybe 100$ in parking and cellphone plus gasoline it varies. But I try to not use money unless needed yeah I have 30% of my paycheck which 20% its for necessary stuff gas,phone etc and 10% that I try not to use but it's money for me to enjoy and if I dont use it to the savings account it goes
Hey graham, what brand T-shirts do you buy and would you recommend them?
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I’m 31 and this makes me feel way better about my life and also confirms my husband’s claim that I have nothing to worry about – thanks!
I’m going to use myself as an example for those of you in your 20s. I’m in my mid 30s now, if I would have started investing 10% of my income since I was 20 years old and earning at an average of 10% a year, today I would have had over $700k… I don’t have nowhere near that amount. So, DO NOT WASTE ANYMORE TIME. Invest, invest, invest!
im 17 and have around 5 k invested. ik it sounds small but its all iv got lol
dude i am so sad your video is targeting american like economies because in my country credit score and roth ira dont even apply
THANKS FOR SHARING, WELL SAID. BEING A BEGINNER WITH NO PRIOR EXPERIENCE OR TRAINING IN THE STOCK MARKET, I WAS ABLE TO MAKE SO MUCH PROFIT. THIS WAS POSSIBLE WITH THE HELP OF A PROFESSIONAL BROKER NAMED JOANNA MARIA JERVIS. I WAS INTRODUCED TO HER PLATFORM YEARS BACK AND SINCE THEN I HAVEN BEEN INCREASING MY INVESTMENT WITH HER. I WILL RECOMMEND HER TO ANY BEGINNER WHO WANTS TO MAKE GOOD PROFIT.
Graham: "Go open up a credit card."
*ANGRY DAVE RAMSEY HAS ENTERED THE CHAT*
Hi Graham! Thanks for the vids 🙂 do you have a certain brokerage account that opening a rothira account with would be best ?
Thought it would be cool to compare, but being german is a headstart because you don‘t have to pay that much for college/university
This is really a great video, but as for me I make huge profits on my investment since I started trading with Mrs. Alexander Karen, her trading strategies are top notch
<I respect your work mate, because you are pointing people in the right direction this is the FOMO September for the incoming dip in October. It is manipulated but that can be a good thing if you understand it. We should all know that when this report are bullish take some off to the side line, when news gets bearish start buying. '' keep it simple simple '' that bear/correction was the best thing that happened to me. But all thanks to Annika Arno for her amazing skills of helping me to earn 20 BTC through trading chart. I believe we are in the same phase
I'm 19, have over 750 credit score, 3/4 of the way through getting an engineering degree, positive net worth after subtracting student loans. I have an excel sheet where I planned out every month what I need to invest to retire very comfortably, and I plan to stick to it unless the markets start to really shift. I've been watching Graham's videos for a few years now, and taking his advice – so far I can say that he is absolutely correct in what he says and the strategies he talks about work if you're willing to put in the effort. Thank you!
Anyone else notice that the average person can’t retire on the average salary?
Need advice… Single mom 42 with a college student and toddler and mother dependents with my $77k student loan, medical bills in collection, have a full time job net of $72800 and no savings. came across your videos, and now very excited about my prospects of retirement but don't know where to start. My brother insists on putting all money to paying off my student loan but I wanted to know if you agree. I have a 401k with a value of $69K. My brother told me to focus all income to paying off the student loan and stop contributing to my 401K. Any comments would be very helpful. Thank you.