50 Years Old & NOTHING SAVED For Retirement? DO THIS NOW...
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- Опубликовано: 29 авг 2024
- Retirement sneaks up on a lot of us. If you are one of those individuals, check out this video to learn what you can do NOW to prepare.
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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@EleanorMabel That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@YinusaSaheed My advisor is Victoria Carmen Santaella
You can look her up online
@@EleanorMabel The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
Might I offer another suggestive thought? I am 1 of 8 kids and we were taught to survive, work hard until we retire, and save some money along the way. That is how we were raised. When you become a disabled veteran and have to use your emergency fund to survive, plans sometimes catch on fire. I was once debt-free listening and reading Total Money Makeover. I am 5 months away from being debt-free again, but I am now 58. So one size does not fit all.
I hear you there. I'm one week away from being dept free. Gonna ride the high horse and feed my bank account.
Most people think, Investing in crypto is all about buying coins, then leaving it to rise, come on it takes much analysis to be a successful crypto trader.I've made $16,000 in 2 weeks of trading. With a capital of $3,400
OMG!!! $16k how's that possible. What's your strategy?
@@mandycarl2053 I trade with a professional broker, Mr Chris Anthony, he brings massive returns.
I also trade with Mr. Chris, haven't you heard of him?
He is the best to trade with.
$16,000, that's very big,
I trade on my own, but I've only made $2800 in a month
@@lilianraulmaria4 No, try trading with a professional broker, Mr. Chris is the best to trade with, I started 2 months ago
I like the conversation but you really did not talk about when life knocks you down after you planned for your retirement. Like a major surgery which was unplanned or bad relationship that ends in divorce or a bad investment ect..Again I enjoyed the conversation but cover things that could be out of the person's control.
At 20, retirement was the last thing I thought about. If I knew then, what I know now, sit would have gone VERY different as far as finances.
I am 52 and Have made so much money in my life and now I have nothing to show for it! Well I did put both kids though college. Traveled the world and lived the life of 1,000 men! But now I find myself looking at the next 8 years like damn! 😂 I never had a job that i stayed long enough to get a retirement! So I am really be hind!! I have a dead end job now, and I only make 30g a year! But by watching this channel and others I have a Roth IRA that I started, I have life insurance and for the first time in my life I learned how to budget my money and I am saving so much! But the most important thing I never see any of ya talk about is health!! People chasing money but not their health! I know I don’t look like no 50 plus and I never want to burden to my kids when I get old! Our people are so behind on that part
Long term layoff causes a major issue. It comes out of no where! layoff should never become the norm or an excuse for corporations! to set American workers into hardship situations
I don't have a chance..I'm just counting the days and trying to make some money. It's hard. No skills no body is buying or hiring...I'm trying..so I trust with faith everything will work out
Best move is what I did. South America where you can live a good life on a social security check. If married a couple can live an upscale life on two social security checks.
That’s my plan, to move out of US
Where is best
I can't relate, I've been working on and off all my life,raising my boys,and just paying for everything included in the cost of living. I'm ashamed that I have no retirement funds.
Do you have a mortgage? The quickest way to retirement savings is home ownership.
@@TrollinOn22s how come? 🤔
This was so good. Thank you for "making it plain" -- I'm in my 40s and have been having lots of anxiety about my financial future so this was encouraging. The current market isn't making it any better. A lot of my hesitancy and ignorance was just not being aware of what to do earlier on...or having anyone to stress the importance. I probably check all of the bad things on the list *BUT* I'm not near 50 yet, so if you're saying 50 to retirement can bounce back, I need to get on it with the short time advantage I have on that. Thanks again...GREAT video!
I've started my own infinite velocity banking system. With the proceeds from two rental properties acquired by Heloc. I also have a WLP .
I borrow from the policy to pay the mortgages which now I can put the rents in the Heloc for 20 days then sending it to the policy to repeat. All this done through my business account which builds my credentials.
I build credit pay down the Heloc bc I pay $1000 extra with the rental input then pay $500 Extra every policy payment which stays in the policy after the mortgage payment is sent out every month. While the minimum pmt for the Heloc is paid by my personal acct. .
Crazy come up
I love your show. I’d like to offer a perspective you didn’t mention. Since you two have a good marriage and you found each other fairly young, you might not know that you can end up broke at 50 even if you planned for retirement. Many people get to 50 after having once been financially secure and debt free with savings. In my case I got divorce, was in court fighting for my child for more than a decade, illnesses and taking care of children & family completely burned through my finances. Many times these things happen all at once and it takes years to dig yourself out of. A lot of us don’t have anyone to lean on even though we prioritize & helped a lot of people in our lives. Sometimes the these are the breaks and you find yourself starting over again at 50. It would be great if you guys were less judgmental in your tone & approach this subject with sensitivity because some people go through hell and no matter how well they prepared it can all be lost in a blink of an eye. Thx for the content.
I love you both and all your gestures but please get to the point.
I would like more info on using my whole life policy. I’m over 50 and I definitely NEED to know!
I worked my ass off for 40+ years.......now my body is broken down.....disabled and on a fixed income......never had the thought of putting money away......too broke after the smoke cleared.
Will listen to what you have to say.......( let's hope I don't hear from these WhatsApp con-men or women)
I feel ya...Im 54 made great money for years but never planned for the future now Im on disability body broken but still striving to do better but dont no where to start....hope this is a resolution to secure my future....
51 and still paying off student loans...what free cash flows for retirement?!
@frannybkranny look into if you can stop making student loan payments. My experience after 10 yrs and only being able to pay the minimum I struggled. To my surprise, a representative sympathized and told me they couldn't force me to pay over time; they could only remind me or even intimidate me into paying. But really, they couldn't do anything. He was a godsend.
Please do your research; be sure it applies to you. I hope it works out.
@@Rodprz73 Yes, on the loan payment website there is an option for applying for the plan that allows for a low-income break. You would have to apply each year. That's a lot of money you are paying each month.
Hello, that seed and harvest example was EXCELLENT! Why? We all ask ourselves do we prefer to be taxed before or after the money has accumulated years down the line and you never know what to choose. So this example of why would you want to tax on the harvest where you make the most return on your money and taxes will most likely be higher by that time. Makes so much sense!
Great stocks and I just bought in on them, but I'm interested in making short term profit, let say turn a $150K to $500k in 6months, I'd appreciate tips on how what stocks to buy to make this much profit.
@Fred Howard That sounds great and how do i connect with her ?
@Fred Howard Okay i just found her website and left a message for her. thanks.
Hello thank you for all your information. I need a lot of help with my finances… I did not plan for retirement and I’m 51. I do own my house at least and have recently started saving and investing in the stock market. Thank you in advance.
I appreciate your channel sooooo much because this is helping my mindset change for the better!
I became disabled in 2018. Lost all my savings and had no income. Had no choice but to use the retirement account to get my daily needs and rent and other medical expenses. I didn't get SSDI until 2020. I'm 53 and have no savings. What can I do that won't cause my loss of SSDI benefits.
First & foremost… I just love you guys and the great info you all provide 🥰
Question:
For people who are unable to qualify for a policy or would be considered modified due to health reasons….Can your program still help? If so how?
I am 51 and have a lot saved. If I didn’t.. bank robbery or being a drug mule for the cartel might be in my cards. Jokes aside… you are going to keep working to get as much social security as possible, get rid of all debt, including your mortgage. Know how much you are spending and remove anything not needed or important. Max out you 401k preferring Roth over traditional. That the only thing you can do, great stuff guys hopefully you will wake people up before it’s too late.
What if you are literally living paycheck to paycheck not able to save
I am re-evaluating my financial strategy and effective side hustle to bring growth for the future loving the way you guys work together awesome
Wow I wish this information was around 20 years ago especially whole,I was lead to believe it was bad.I do have life insurance😢😢I had planned but life saw different,divorced ,injury ,bad relationship which is haunting me and probate
Over spending and enjoyed life, then divorced lost everything now 50 have nothing and about to move into a tent to get away from another failed relationship, but this time no money to back myself into another place to live. RUclips is going to help young people better understand wealth creation that we didn't have growing up.
I’m 35 years old and just received a 9k lawsuit. What do I do? I live in nyc and don’t want to go back to $0. Been holding it for 3 months. Don’t want to touch it until I know what to invest in to start building wealth
Hi Stephanie, congrats. Maybe start slow with educating yourself. Look around for ways to make money and manage the money you make. Maybe ignore those bright ideas of miracle rapid growth in a month!! Instead look to personal financial management courses? GOD's wisdom be with you.
Put the $6k max in a ROTH IRA
$9k.. that is not money .. anyway , $put $1000 in emergency fund . Pay down your debts . Then start getting financially literate
Yes it does hit home . My mom die had insurance due to her keeping everything a secret we couldn’t find the policy. I had to used my retirement money.
It depends on how much money you make also, there are benefits to not being taxed now, example it lowers the tax bracket and the amount of taxes on your paychecks. If you think you will pay more taxes today because you are making more money than in the future when you are drawing retirement then a 401k or a traditional ira is a good choice. I have both, 401k and a roth ira. I just started saving this year, I'm 47. Food for thought.
So true. When I was listening I was thinking the same thing.
This was good! Love you guys, on point.
Paul from Ohio....is it bad to have a regular 401k and a Roth 401k...my company just started the Roth aspect in 2022. Co. Match is 3% either way..I'm putting 3% into regular 401k, and 6% into the Roth. I'm 52 yrs of age...I've purchased 15,000 in final expense...and 200,000 in term life for 15yrs. Am I on the right track
Once again fantastic video 👍🏽
What is the minimum you can open a whole life policy with and can you open a whole life with pre existing health issues?
Love this video. I am risk adverse so that may have paralyzed me.
just tell me what to do. I had the money an the insurance couldnt get the right information
That's been a story of my life. Whirlwind and putting out fires.
I am scared.
I've listened to five or six videos now. Each one says they're going to tell me something in the title. But they don't, just link to another video and another.
Thank you
54 with no retirement.
But I do have a home with a nice piece of equity in it.
The same way we behave at 20, most behave at 30, 40,50,60.. besides even if you save $100k in a retirement account ,your withdrawal allowance is $400/ month .. let's not even mention inflation and health issues
Well that quickly turned into buying a whole life insurance policy from them.
Stay away from a policy and work on your Roth IRA and 401k contributions, especially if you’re 50 and have no savings.
I agree.
Awesome video
Good afternoon from Boston Massachusetts
Is it wise to take your 401k which is the only thing offered by our company and at the end of the year put it in a Roth IRA, and do this every year? Or is it better to just stop the 401 the company offers and just open a Roth IRA and just have money deducted from our check every pay period
i have a plan you have given me the right info love you
Hey love the information you are sharing I'm over 50 almost 60 when you mention whole life insurance who do you recommend for someone my age , I'll be 59 this year wanting retire next 5 to 10 years, I would like a better and more aggressive plan, also don't you have wait 5 years before you can borrow from any cash whole plan
Yes, it takes time to build up your cash value to take a loan from a policy. That’s why if you’re older and need to save ASAP don’t waste your time on a policy and start contributing to your Roth IRA and 401k aggressively. These folks are salespeople for whole life policies.
Do you pay interest on the loan from the cash value and how would you pay back the loan. Do you have any suggestions as to what to invest in that would easily bring in income
I’m a ex-con 54 years of age. What can I do starting from nothing 0 no savings just a regular job making minimum wage after doing 22 1/2 years incarcerated? Please advise
Was a lot of talking, no strategic at all ,
On what type of plan to be executed,
Nice 👍 for your beautiful time .
Do you have any suggestions where to open 1 of these accounts?
How secure is your capitol in these accounts?
Great advice! ROTH IRA and permanent life insurance are the top two ways to invest, save, and grow your money. More in particular, index universal life.
What is a good whole life insurance company to go with?
I think a lot of it comes down to not knowing any better. Don't know ow what retirement planning is and where to start.
What do you mean with the whole life insurance like how do I go by moving the money from my whole life insurance
So I'm Italian, but even I understand why so many by the age of 50 have only 5k saved. Poor pay, vs. Cost of living rent or mortgage then light's gas insurance car car maintenance car insurance kid's ain't free did we eat yet ? Health insurance vision & dental price of next car went up double or triple over the last 1 8 year's ago. I'm black EEO while it employ's me only pays me 1/3 to 2/3 of a white women's pay often times not even the white man's pay. & 300% less opportunity of employment. A white convicted no GED or High school degree will get hired 3 to 1 or 4 to 1 over a black man with no convictions with a high school degree. You 2 talk a lot but have zero facts about what your talking about. I'm going to over fund my junk whole life by $4200 so I can pay 5 to 7 percent to borrow against my supposed own money,🤣🤣🤣. You 2 need to get real do some research 98% of blacks have no money compared to 70% whites living in the same boat. They don't teach what you do with real money in black schools or mixed they don't want them to understand money. They want them to stay poor so they stay spending, being evicted jailed imprisoned. When oh when Does a singular black person really begin to understand their own race's poverty problems & start to solve it ? Only 124,551 black owned businesses in the United States less then 2% black owned farmer's left. Your race owns less & less everyday your getting bought out pushed out & sold out & don't even see it coming. When does the Next Martin Luther King type step up and explore the beautiful black intelligent people and teach them how to invest in their neighborhood's buy and support black owned store's restaurants retail for a better equality of life, instead of this nonsense your babbling about, they can't get to your level. It takes money, money they don't have and facts apparently you 2 Don't even understand or have knowledge of apparently? You know when crime was less ? When more blacks owned more in this country & shared in that equality with each other providing more job's 👏.
Dude im a Black Mechanical Engineer and have an MBA in Finance , and you listed a lot of problems but no solutions.
Everything this couple said is correct and are things black people can do. Yea racism is real and it exists but we’re not going to beat it spending all of our money on Jordans , making it rain at the club, new cars and not maxing out our 401Ks and ROTH IRAs and HSAs
You listed a bunch of problems and ignored all the simple solutions they listed in this video
What do u think of Annuities to put some money into?
Whole life insurance is garbage.
Would it be a risk putting your money into a mutual fund?
Hello there I have a question about life insurance I’ve been in life insurance company for 20 years it’s due at 85 years old what if I don’t die at that age term what is gonna happen all the money that I supposed to get for my family If I die at 90 years old
Says the couple who maybe haven't had cancer, or lost a child, or are taking care of a parent with dementia -- "I will not dip into my retirement' is all well and good until life hits. I think you folks would be better off not trying to do the blame game and just maybe provide some helpful info for folks who have been hit with life. I'm not even bothering to continue watching this :-(
@dawnfoster6530. I'd like to acknowledge your pain. Life can absolutely be challenging and even more so if you don't have your money in order to support you. We're sending love your way and want you to know that you can prevail. Take it one day at a time. Looks like you're on the right step by educating yourself.
Oh, and we have lost a child. We spent 9 months in the NICU with our baby until she passed at 9 months. Not to mention we've supported many family members, financial through their lives. Therefore, we know first hand how expensive supporting family can be. Which is why we want people to solve their problems first. Much love.
Hello I'm nearing 60 yo and I am one of those that exhausted my 401k retirement and was in debt with poor credit score. I have since been able to get a job that has 401k matching I will check on Roth tho but am starting over in my retirement. So I do have a life policy that does allow for investment opportunity that does better than whole Life. The only debt I have now is my mortgage. I need guidance on my next steps. Can you help?
Every every investment comes with some degree of risk, no one control what happens in the stock, bond insurance market … nonsense… risk tolerance is the key and education is key… research any investment you decide to go in.. even real estate carry risk
Many people lost their jobs.
Lost mine December of 2021
I think the first part of this video you made a lot of assumptions. Just because someone is fifty doesnt mean they are earning more than they were when they was younger. Your talking from a corporate background. Now a days a lot of companies dont want fifty year olds as they want younger to pay them less. Also there might be people literally starting from scratch as they may have lost all their money from poor financial executions or divorce etc. instead of assumptions what you should do is say right your a beginner what can we do from here.
Yes I notice that as well
Or just state that this is a great program for those who have already stacked great wealth and are looking for a great way to grow your wealth and protect it at the same time.
That would have solve lots of disappointments and all confusion.
What about 60 nothing save
?
Consider a crypto Roth IRA. We`re still in the beginning stages. A new opportunity an option. So if you're 50 10 years investing close to the yearly maximum can potentially provide great gains.
i already have a real estate an land
Term life not whole life.
You have great content, but I won't watch again because of the continual pop-pop, ding ding.. I commented on that a while back, and I see you're still adding that annoyance. it's really a shame because you're very polished an professional with a great channel, but it's quite an immature addition- like you're trying to keep the attention of a grade schooler.
I have short term life insurance. Should I switch to whole life?
Short term and invest the rest into ETF
This was so helpful. Thank you for sharing.
Please also discuss Variable Universal Life vs Whole Life
Good question and vs an IUL which is what I have
What If your just poor
Didn't know employers do ROTH IRA (After tax). I'll check that. The only thing I know of is 401k matching up to 3%.
Exactly
Obviously, I don't know what your employer offers, but I have a ROTH 401k. Not many financial planners offer it, but it's available.
@@stacysays Thank you Stacy. Appreciate the feedback. I will check. Love this channel.
Anyone can start an IRA or ROTH IRA at a place like Vanguard or fidelity. You don'e need your employer.
The later you start the more you need to put into investments. that’s why everyone says time is money. If you are 50 you are playing catch 🆙
First and far most your hair is gorgeous!
That’s all you took away from this video?
What he said!! The Hair???????
Great points! However what do you do when you have no money to put away for retirement????
This would be a person who cannot work. Retirement means you stopped doing what gave you a pay cheque to support your lifestyle and are living off what you put away.
So not having money to put away means you are not working. Or the person hasn’t done a audit on where there money is going.
This is usually the biggest reason people live pay cheque to pay cheque.
Find out where every penny goes, why it goes where it does, and is it critical? You would be shocked at how much things we waste money on.
Here is an example…Why spend $200 per month on cable tv when you can get tv with a $30 antenna for free?
Right I'm in this situation now, sad to say looking for alternatives if only I knew these things early on making bad decisions at a young age,especially 😕 far as credit cards. learning now
Darius and Carmen, is it a wise decision to purchase whole life insurance, and use some of the cash value to fully fund my emergency fund, repay the whole life, and then start leveraging, etc.?
No whole life insurance is not a vehicle you want to ride in. A the term life that's built into it rises with your age. B. They charge you a monthly maintenance & or a quarterly maintenance & possibly a yearly maintenance fee so by the time you Die it's worthless totally worthless. Furthermore Google it they charge you 5% to 8% to borrow against said policy. Their Money supposedly, 🤣🤣🤣 It's actually your own money. Now why on earth would any Idiot C. Not use a free bank account ? So let's examine Darius & Carmen fake created bank account they believe pays them interest. Fact they over fund the account second they used it to get out of debt right ? That's what they claimed multiple time's in videos. Let's say they over funded it 4 time's that's (Negative) 32 % interest they lost in 4 year's plus they probably still had to pay the minimum debts while they saved into the over funded dumbell life insurance policy that charged them 32 % interest versus a free bank account. They lost money period facts don't lie, their lying to themselves & worst they believe it,🤣🤣🤣. You can't leverage a (Negative) into a positive cash it's that simple. You buy term life insurance hopefully from 20 year's old to 30 year's old only enough to pay off your house should 1 or the other spouse's die. Meanwhile pay off the house by 30 or maybe 40 if you don't understand how money work's. You then dump paying that term life insurance as it went up over the 10 20 year's you had it. Now you we're used to paying it right ? So whatever that last month's premium was start paying that into a savings account until retirement your likely to end up being a millionaire with compounded interest. That's if you do absolutely nothing else in life. Most bank's pay more interest on savings or even checking accounts @ 5k 10k & 50k what you need to understand is that's compounded interest 7 days a week even while you sleep, true passive income. Then when you got a bunch of cash you use real leverage like this. Go buy modest housing a couple of single family house's buy low with twice the rental income over what a mortgage would be pay the 20% down let the tenants pay the 80% plus over time plus your original 20% & another 100% positive cash flow to you. Make sure you have cash to buy 4 at 20% down & 4 @ 20% left in your savings & checking every couple of year's buy 4 more. You need 12 total to become a multiple generational millionaire. There buy & holds never sell them. Buy insurance on them tenants pay that then get an umbrella policy on them & form An LLC get a 1031 deffer all your taxes until death at which time they'll take 50% capital gains taxes from you. Once those houses are paid off on 30 40 year loan's go buy another 12 so you can keep deferment going.
Home equity can be your emergency fund.
@@TrollinOn22s oh by all means double down on debt you've already proven you can't handle that'll end up well,🤣🤣🤣. Not !!!
@@kennethcooley9917 If you have an emergency and don't have an emergency fund there aren't many options that offer a better option than home equity.
100 and nothing saved😀
Once I have the whole life insurance how soon can I start moving my money?
Just like black folks they had to use chicken / sauces as an example 😂😂😂😂
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If your are "paying bills" you are still on the ignorant journey. "Paying bills" is giving the business claiming (fraudulent, btw) you owe a gift that's it.
Sorry you guys lost me in thr first 60 seconds saying that I planned to fail, seeya
Your wisdom is what we needed several years ago HELP!!!
Our lives have taken a tremendous hit! Show us how we can dig ourselves out of this hole! Help and show us the way to protect our grandchildren from a poor future!
If you are over 59 with no retirement, is it still possible to obtain a whole life insurance policy with a high rate of
return, even if you are on disability?
Depends on the disability... you'd have to apply in order to find out your insurability.
401k taxed based on your bracket... So if you are tax savvy you can be taxed less. I thinking having a balance makes sense.
Can you guys give me some great options on what life insurance name i can get please
Wasted early years blowing 💰 on dumb stuff
But you dident tell them about strawman so this video is void
My n'aime is laura i like. to l'être show to. this
If only we knew this back then and now that I'm learning along the way I would love to share this with the younger generations sometimes we are illiterate or not as savvy with talking finances
Hey Greetings Power Couple" Family* Blessings!!! Enjoy Peace.
Then CoVid hit, mandates force you into early retirement and now future me isn’t going to have the leisure funds that was planned.
Most people think, Investing in crypto is all about buying coins, then leaving it to rise, come on it takes much analysis to be a successful crypto trader.I've made $16,000 in 2 weeks of trading. With a capital of $3,400
OMG!!! $16k how's that possible. What's your strategy?
@@rachaelariana7759 I trade with a professional broker, Mr Chris Anthony, he brings massive returns.
I also trade with Mr. Chris, haven't you heard of him?
He is the best to trade with.
$16,000, that's very big,
I trade on my own, but I've only made $2800 in a month
@@bobbrown4998 No, try trading with a professional broker, Mr. Chris is the best to trade with, I started 2 months ago