Go to http://public.com/graham and use code GRAHAM and you'll receive a randomized free stock worth up to $1000 once you …
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37 comments
Thanks Graham. Been watching you for years, just hopped back to this one to let you know I retired at 28. And shortly after I turned 28 too. You’re GOATed for your help.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
we had invested money through PAMELA ANN PUNKAR for nearly 30 years. The market had its ups and downs, but in the long run it did very well for us. With my pension, social security and investments we are able to live comfortably. We are now able to fully enjoy our hobbies, travel, family and making new acquaintances.
Can the 30s guideline be achieved as well If we have our own financed flat?
I started working when I was 14 but I’ve only started saving now at age 21. Since I’ve got my full “adult” job for about 7-8 months now, I’ve saved about lest than 18000 now! The only problem with me is the investing part, which for now I’ve added on some robot advisor hahah
What about if you have a mortgage ?
I started late. Age 36. But I caught up by investing in real estate, Index Funds and finding a higher paying day job.
I feel bad that I never started. But I grew up in a different time. Investing wasn’t taught nor finances.
Interesting thing I learned last week: If you are the beneficiary of a 529 account and have been for at least 15 years, you can roll that 529 into a Roth IRA for up to the annual contribution limit each year. There's a lifetime limit of $35K you can roll in this way, but if you don't urgently need that 529 money, rolling it into your Roth at a young age (theoretically as young as 15) would be a game-changer.
Just imagine being age 20 with about $40K invested in a Roth IRA. Invested in a broad/diversified, un-managed stock index fund like an S&P 500 fund, and you would likely be a millionaire when you retire even if you had no other savings.
If you're a new parent, I'd strongly consider starting a 529 account for your baby. This trick is a potentially huge leg up for your kid's long-term financial security.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
I would be cool to see an updated version of this
not everyone is from the same location as you, so we don't have ROTH IRA. xD (and doesn't have a good alternative sometime either)
Solid advice
Is saving 20% and investing them still considered saving or you mean save 20% and then invest extra 10% of net income? btw I’m from EU, not USA. That’s why I say net income.
I wish I knew these steps earlier in my career.
Such a good video
Why do i need 11x my earnings saved by 80. Seriously
Successful people don't become that way overnight.most people you see as glance wealth ,a Great career, purpose is the result of hand work and hustle overtime.i pray anyone who read this will be successful in life
Great video. We are all seeking for financial independence and a better way of life. This is not difficult to achieve with savvy investing, a frugal lifestyle, and cautious budgeting. I'm glad I learned early on to work hard for financial independence. As Warren Buffet said, he has seen this happen many times in his life. Not an investor, My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $4M. We have never sold so much as one share of stock.
Thanks for the video 📹
Where the hell are you getting 7.5 return….lol
I’m 19. I recently started Investing in an Ira. Specifically index funds. I make about 31k/year. How much should I contribute each month?
the problem is expecting 50k per year is enough when you retire. In 40 years time, that 50K purchasing power will be worth half, youll probalby need 100k a year to comfortably retire
Graham you always forget to mention the income limits which prohibit a persons ability to contribute to a Roth IRA after a certain point.
No matter how small, just do anything to generate income while you sleep. The only way to truly observe what life may be like without your regular source of money, when everyone was forced to stay at home, is during a pandemic. But, thanks to my FA James Fletcher Brennan, I invested in a trading firm where I make four figures every week, so I wasn't particularly harmed. Spending less and investing more are the finest things you can do for yourself.
If you cant max all three accounts every year what would you say is a good percentage to invest in each? Or should i prioritize ROTH IRA and 401k? I know HSA is exclusively for medical expenses but i think its an important fund.
If “Phineas and Ferb: All Grown Up” was a thing, this guy would voice Phineas 👌
Graham if I can’t fully fund both mine an my spouses Roth should I evenly fund both or fully fund one an fund the other with what we can??
these hand gestures are driving me crazy!!!!
It's weird how students loans are taken into account and take someone into the negative, but a mortgage on a house/apartment does not
20% of your gross or net?
ready to feel depressed in 3…2….1
Im new to this Channel Can sombody explain What Roth IRA is ?
So a person have -700k net worth because he bought a home ?
I'm 52, is there any advice for people who are close to putting their kids through college? I'm new to investing beyond 401k and seems like most advice is for people in their 20's. Can you make a video for people getting late into the investment game
Another awesome video Graham! It was very entertaining and informative. Keep up the great content!
I’m 16 making 2$ per day 🤓💔