I started investing in dividends with my taxable account. I used the buy and hold strategy in my Roth, adding some Berkshire B stock, SCHD, and an S&P 500 and total market exchange-traded fund.
When I started investing last year, I avoided significant mistakes. I've focused on investing modest sums in stable businesses for the long term. If stocks perform well, I hold onto them; otherwise, I reinvest losses into profits. Recently, I made $9.5k from a $4k investment in NVIDIA.
Exactly, a good number of people discredit the effectiveness of financial advisor, but over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure and that's fine by me.
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As a teacher (and using the crockpot strategy) I think something that gets overlooked is that we get paid 10 months out of the year and have our salaries deferred to receive one lump sum at the beginning of the summer. This forces us to make a budget or we will run out of money before our first paycheck at the start of the next school year.
I am a teacher as well (in Spain) and we get 14 pays per year (a extra pay at christmas and another extra pay in June) but I don't think this is advantageous. Although it forces us to get by on less each month it encourages splurging on holidays but this is common in Spain (not just for teachers)
Former teacher here. The answer is simple: They have pensions that they are forced to contribute to from day one. I had to contribute 6% and the state put in 6%.
That doesn't make someone a Millionaire. It does help to pay the bills once you do retire, A pension is a monthly Income. The topic is "Millionaire Teachers" That's accomplished through consistent and regularly Investing
@@METVWETVno, really the fact that the teachers retirement plans are not optional is the key. My aunt spent all her money on shoes and clothes and trips, but her mandatory contributions made her a 1 million dollar nest egg for retirement
@@METVWETV The "pension" account (at least in my situtation) is an actual account that you can see the amount in. You log right and and look at it. So yes, it does count towards your net worth because I could take all of that money and roll it over to an IRA if I wanted to.
I taught English and Literature for 32 years and loved it. We had to contribute to a pension fund and the government contributed as well. I make about 70k adjusted to a COLA and taxes as a pensioner upped with my own investments. Life is good with not one single debt...yet. Single and worth over 2.4 million
I'm a teacher and not a millionaire. But, I've been surprised to find out how far ahead I am. I am debt free, including house and car. Yes, the house is modest and I'm the only 48-year-old I know who is still on car #2 of his life. I don't have any exciting toys. But I'm also comfortable. No worries about money. And the secret has mostly been living beneath my means. If I want something, I can buy it, but mostly I don't. I'm not exciting, but I'm also not scared of my finances. And if I hadn't made some mistakes when I was younger, I'd be better off. I'm content, and that's good enough. Who knows, maybe I'll make millionaire status by the time I retire? Time is on my side.
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Public school teachers in some states are required to contribute 10-15% of their salary to the pension system. Very similar to following the Ramsey recommended 15%, and some contribute to IRAs on top of that. Consistently investing is important.
Most of the teachers I know are extremely frugal. They buy used cars and keep them for a long time, meal prep for the whole week, bring coffee from home and bring sack lunches every day, get their clothes from thrift stores, share maternity clothes and baby clothes, take inexpensive vacations, own small houses, etc. They don’t mind doing these things. This is just what they do.
They enter the work force at age 21 then started s&p 500 investment. They are millionaires by age 45 if save 500 a month. That compounding is then really big
@@weicc84 that would amount to 100.000 not a million😅 Also that's crazy teachers can start so early, in my country we study for 7 years to become teachers specialized in our field.
@@surlespasdondine500 a month x 24 years is 188k. Invested at the average mutual fund growth rate of 12% and starting from 0$ and contributing 500$ a month will be 844,000$. Add another 10 years it's 2,840,000.. with the average inflation rate of 3.3% by that time 1$ in 2024 dollars = 3.07$ in 2059 cash so the spending power of that 2.84 million is 925,000$. Btw nursing instructor here, my wife is a school teacher, we also have investments. Hope this helps
@@surlespasdondine500 a month x 24 years is 188k. Invested at the average mutual fund growth rate of 12% and starting from 0$ and contributing 500$ a month will be 844,000$. Add another 10 years it's 2,840,000.. with the average inflation rate of 3.3% by that time 1$ in 2024 dollars = 3.07$ in 2059 cash so the spending power of that 2.84 million is 925,000$. Btw nursing instructor here, my wife is a school teacher. Hope this helps
Correct. I am a retired Air Force Lieutenant Colonel and took a second retirement from the federal government. After 40 years of service and five combat tours of duty, my dual pensions and benefits are worth almost $2M. I am a Ramsey methodology believer. 😇☺
I’m a retired teacher at 38 with a million dollar net worth. Our side hussle was buying depressed homes and fixing them up and selling for a profit every 2 years and we just bought our home cash a couple months ago. Listened to the Ramsey show everyday on my way to work for 12 years and now I’m living my best life!
How do you plan to stretch 1 million dollars over what could be 40+ years? That’s not even counting the fact that your house is probably a majority of that net worth
sitting here as a high school teacher eating literal rice and beans meal prepped on Sunday for lunch every day, driving a 26 year old car, with a meticulous plan to save 3 years for a down payment on a house so that we have 50% equity and a minimal mortgage payment. I feel seen.
Yikes, I would be heartbroken to lose 3 years of savings to a down payment. Invest instead. A 3% down payment is fine if you get 8-10% returns in the market.
Honestly, you missed the biggest reason. We are required to pay into a retirement system. Benefit, Contribution or Combined plan. In Ohio, 14% is automatically put in. This is nonoptional. Anyone villianizing teachers for this, you can do it to, you just choose not to.
I always admired teachers, but now I see how skilled they are at managing their finances too! This video highlights the value of patience and consistency
I think he's on to something about the scope and sequence mentality. It also helps that being a teacher is an extremely predictable job. You have guaranteed planned yearly raises on a salary scale--sometimes with an additional boost if the district gives teachers an overall raise. It's--for better and worse--extremely difficult to get fired as a teacher and your job security isn't generally dependent on the state of the economy. It makes it easy to plan and think long term when your career has very few unpredictable surprises.
Agree with most. You can't fire a tenured teacher unless you catch them striking a kid or sleeping with them. Disagree with any insinuation teachers are generally long term planners. Most of them are just as fiscally literate as the average person (which is to say poorly.) But their unions pay a lot of money to elect the politicians that then turn around and bargain their next contract, including their pension, which gets paid with your tax payments. So no, it isn't frugality or long term planning. It's just a really nice pension.
@@danh2716 Half of my pension is paid by me - and the other half by the school district. No different if you had a matching 401K or a Roth 401k with your employer paying a percentage. It's absolutely frugality and planning. We are currently in a teacher shortage - feel to jump on board if the pension is so wonderful. I guarantee the kids would eat you alive in less than a day.
@@jackiemoon_lms Not all teachers become millionaires either. But just about all government employees get a pension plan. And if they are unionized, more so.
Teachers in some states are required by law to contribute 10-15% of their salary to the pension system. They get the great retirement by investing as much as Ramsey recommends for their entire career.
Silly comment. I became a millionaire yrs before I'm supposed to retire. Pension has zero to do with it. In fact, the pension system has TAKEN away from me bc it takes almost 11% of my paycheck. So how do you explain this?
Do these stats on professions that are most likely to be millionaires look at the odds someone from that profession becomes a millionaire, or the percent of millionaires that have/had that profession? There are more teachers than almost any other job so if looking looking at the jobs of millionaires, you would expect more teachers than uncommon jobs where there's a much smaller pool of potential millionaires.
It's the latter.(Percent of millionaires that have that job.) Just to give an example Ramsey like to rip on physicians but approximately 56% of all practicing physicians are millionaires. However there's only 1 million doctors in the US. There's something like 4 million teachers so if 15% are millionaires there'd be more teachers that are millionaires than doctors. FWIW this is just Bayes theorem in action. (Yeah I know Ramsey hates math.) Also there's about 22 millionaires in the US so something like 2.5% of millionaires are doctors. (But if you become a doctor you'll probably become a millionaire in your 40s)
Tutoring before and after school. Taught summer school 10 years to help put our kids through college. Worked close to home to save on gas. Always brought my own lunches and coffee. Planned meals weekly-always had leftovers to eat or freeze. Take money out for pension while you can. 😊 absolutely long term planning. Don’t incur debt that you don’t need!!!
Unfortunately, in Massachusetts, 11% is automatically deducted from our salary for our pension. This works out great if you can survive 35 years of public school teaching. However, many of us just can’t make it that far and have no way out, other than to trade 27 years of our lives for 27% of our salaries. I just wish RUclips existed when I was young. I would have done things very differently.
Amazing Video thanks, I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money
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Wow you know Kavita Rohan, I started investing when I was 45, mostly through sweat equity. I just turned 48 and this last month was the first time that my passive income broke $100k for the month. This is solid advice! DO IT! You don't have to get rich quick, you just have to get RICH no matter what..
Great vid George, 'Got a light?' LOL!! I would have added that one of the reasons teachers often build wealth is that they're so busy during term time that there's no time to spend money, then they spend the first chunk of every (but you teachers get so many) holidays sick while their immune systems play catch-up. And by 'they' I mean me, everybody has their own experience! Happy Teachers Appreciation Day for yesterday, fellow educators is Aus!😊
The same frugality and conservatism can also lead teachers into avoiding investing to avoid risk also could be reason why some of them dont become millionaires.
How do you differentiate millionaires when it's a married couple? A couple I know is certainly millionaires, one is a teacher and the other in finance making way more then the teacher does. If you asked the teacher, they would say they are a millionaire. They have kids and don't have to pay for day care because the teacher is always home when the kids are including the entire summer. Maybe they pay for a little after care, but the teacher leaves for school early, and the finance spouse stays home for long enough to get the kids on the bus. As a couple, they save a bundle.
@@joeldoesdesign I agree. They're over thinking it. Teachers are more likely to be part of a dual income household. Add in the pension and reduction in education/daycare and that probably explains most of it.
Teachers ineligible for social security are likely forced to contribute more to their pensions. In Ohio they don't contribute to social security, but their pension investments are a lot higher (14% automatic contribution and they have an employer match of 14%). I'm in Wisconsin. In Wisconsin, we contribute to social security and 6.95% in our pension (with an employer 6.95% match). Yes, I'll get social security, but I'd rather be in Ohio and not have to worry about social security in the future! I have a hunch: If you don't put money into social security, you are likely to become a "teacher millionaire" sooner since more money is being invested in the pension.
Teachers become millionaires because they are forced to contribute a percentage of their income to their retirement and they can't opt out. And they also stay in the same profession their entire careers. So they contribute for 30 years & that money is compounding over those years. That's my humble opinion anyway! lol.
I know Ramsey said teachers are among those surveyed who are millionaires but I seriously want to know where u all found these teachers at? My mom was a teacher for 33 years and is by no means poor but she definitely ain’t a millionaire. Every teacher I’ve ever know is barely getting by and the retired ones are doing ok but definitely not millionaires either and working another job in their “retirement” age. The teachers that I do know doing well money wise in their retirement are in that position due to their spouse being in a high earning job.
Question about those studies: What exactly are they defining as a "teacher"? Does that include, for instance, college professors and teachers at elite private schools? I guess what I want to know is how many of those millionaire teachers are what people generally think of as a teacher (public school teachers)?
Because teachees traded salary for benefits. Then complained about their salaries being too low and held the kids school activity (buses, after school sports, etc) hostage if the budget with massive salary increases and step bumps doesn't get passed. New York Teacher
I think everyone here is missing the biggest reason: Most teachers get married at some point, so they have a spouse to combine income with. As someone who is not willing to wait on finding a man to meet my financial goals, I got out of education and am transitioning into a different industry that pays better.
Teachers generally have 401k's, 457b's (this depends), and pensions, and generally retire at 65 or older (from my experience, most boomer teachers like working, and stay working until their later years). The pension alone is generally enough to match their current expense when they retire (as its usually at least 70%), and they can still get SSI too, so its likely they won't need to touch the principal on their retirement accounts... ever. And from all the teachers I knew in my childhood, who have retired, most of them weren't big money spenders either, and were quite thrifty. I guess that sort of makes sense too, considering a lot of teachers have to pay for their own teaching material (this part is pretty messed up), and can only deduct $300 of teaching material, which is definitely not enough for the average teacher, so they have to budget everything. Well, that's how it was for boomer teachers. I'm not sure about current ones.
This whole video is based on a logical fallacy. "Teachers are one of the most common professions among millionaires" does not imply "Teachers are more likely to become millionaires than anyone else." The biggest reason why there are so many millionaire teachers is that there are so many teachers, period - it's one of the most common professions in the US, at roughly 2% of all working-age adults. (To compare to another top-five-millionaire profession, there are three times as many teachers as there are lawyers.) So even if a relatively small percentage of teachers become millionaires - for the reasons described here or however else - they can still crack the top five of millionaire professions.
If you're not convinced, look at it this way: In Wikipedia's "List of countries by number of millionaires," China ranks second. Does that mean we should be talking about "Why Chinese people consistently become millionaires"? Of course not. The number of millionaires per capita is much higher in many other countries - it's just that they're all much smaller than China is.
More teachers in the US are over 6’6” than NBA players are. What’s their secret to getting so tall? That said, many people think no one with a teacher’s salary can retire a millionaire, so it’s worth pointing out that’s not true.
@@ianwerkheiser1292 "More teachers in the US are over 6’6” than NBA players are. What’s their secret to getting so tall?" This is perfect - thanks! "That said, many people think no one with a teacher’s salary can retire a millionaire, so it’s worth pointing out that’s not true." Agree 100% - I just wish they didn't keep relying on misleading interpretations of statistics to do it.
@@ianwerkheiser1292 Lol. But the Ramsey collective has rehashed this argument a bunch of times before, so I was pretty sure he wasn't going to do that.
@@suen5006 I never said it went to teachers. It goes to administrators. But, once again, for the people complaining that teachers don't get paid enough, first ask where the money we're already spending goes.
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While I agree in the comments that pensions do help substantially for those in the public sector like teachers, police, or govt workers, that doesn't necessarily help you hit millionaire status. Everything else George talked about does, and those behaviors can be adopted by anyone.
Teachers in Canada also make an extremely good wage. After a couple of courses and a few years teaching full time they can make $90k to $120k per year. Plus full pension.
Exactly. In any remotely populated area, teachers tend to be compensated very well for the work they do. Keep in mind they also tend to get 4 months off a year.
@@danh2716 Yeah true, hard to get in the door though. Out of my friends that did teachers college, only 1 of them got full time work in teaching out of 6.
I'm a teacher of just five years, and I already have $40K saved for retirement. My financial advisor says that, if I keep saving 15%, I can retire at 57!
32 years old with a net worth of $350k USD or roughly $475k CAD. Realistically it’s all because I’ve lived at home most of my life and have a property that appreciated by about $140k since I’ve purchased it. ❤ I’m forever grateful Sonia karen
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I Just realized that the secret to making a million is saving for better trades. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money trading.. I Traded with 10k in Crypto and made about $146k,but guess what? I put it all back and traded again and now I am rounding up close to a million.
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$500 into market once a month the last 30 years would be one million. Did I have $500 a month for that long? Yes. Did I know where and how it needs to be invested? No. There were no youtubers, and bankers did not walk around looking for someone who wanted to invest so little.
@@holdencawffle626lol, I'm happy with my pension. I just think it's worth considering since most people in most industries don't have access to a pension in the US.
This video accidentally illustrates two ways in which Ramsey’s advice is generally really bad advice. First, this entire video never mentions one of the biggest benefits teachers have in wealth building, and that’s the fact teachers generally spend their entire careers working in one district, which means they can but a house and eventually pay it off. But, rather than mention that, this video claims teachers are getting rich by side hustles. smh Second, starting at 6:10 this video mentions a hypothetical 401(k) savings. But, following Ramsey’s advice, the teacher doesn’t star saving until 5 years into her career, when she’s got loans paid off, etc. And in this hypothetical example, the teacher ends up with about $3million 35 years later. All fine and well, except that had the teacher started investing into a 401(k) at the beginning, instead of waiting, she would have ended up with more than $5million. So Ramsey’s advice cost her $2million in retirement savings. Ramsey’s advice works, at a basic level, but it’s usually not the best advice. It’s ideological advice, based on the foundational principle that debt is bad, and it goes from there.
Married to a teacher, mother was a teacher, mother-in-law was a teacher. I've been significantly around teachers my entire life. Based on direct observations made over years of seeing/talking to/knowing teachers personally, I pretty much disagree with each and every conclusion that George comes to in the first half of this video (which is when I stopped watching.)
@jerrywells5551 Ha! Yes, because the one thing that everyone knows is that teachers' unions are completely different in various areas of the country. :Rolleyes:
My state pays at the bottom of the nation and our health insurance costs are extremely high. I have a master's and 30 years experience. My salary is $45k. A new teacher gets 42k. This guy's speech isn't applicable to all teachers.
It's a fact: Teachers are underpaid and most have a second job. The whole point of the video is - save, stay out of debt, invest and live frugally. This lifestyle is WHY they reach millionaire status. Only the truly tough individuals can live like this 🦾
Tell me that you do not know what teachers are paid without actually saying it. That "median pay" in our complete package so they count how much the district invests in pensions, how much they contribute to our health insurance, Social Security, etc. Some districts give money to help with child care which they count too. So teachers who get $80,000 (household income as of last year) actually only get about 40 something thousand maybe 50 if they are lucky as their actually salary in most states.
Actually they do, my mother was a teacher, now retired with 3 million. She lives off her pension, goes on a fabulous vacation once a year and has a paid off house worth 1.8 million, payed $150,000 for it 30 yrs ago. Great news for me as I will inherit it all 😊
I hate to be the one to tell you all, but compound interest in the stock market is not the miracle that George thinks it is. The price of the S&P500 in 1969 was 97. In 2024 it's 5,314 - a 54.7x increase. $5K invested in 1969 would be worth $274K today. $5K in 1969 is also worth $43K today due to inflation. So the purchasing power of that $5K has only increased by 6.3x. In short, every dollar you invested 55 years ago would be worth $6.30 today. Not terrible, but nowhere close to the returns George thinks you'll get.
Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Brooke Miller
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Okay Boomer…you really don’t understand what it’s like to be a teacher, how they are paid and the crap they put up with. Don’t paint every teacher with the same brush. My spouse is a teacher and the stories I hear are unbelievable. Being a teacher is brutal is today’s world. How little they are paid to deal with these poorly parented children is criminal.
All the good teachers I know really only get 1 month "off" and they work weekends and holidays to prepare lessons, prep classrooms, and grow our children's minds. So please step off your pedestal and help them out. I deal with 3 kids at home and almost lose my mind. Somehow they manage 10x that and still do better jobs than some parents. There are some bad teachers, but don't let one bad apple spoil the bunch.
Many of us try too. I teach History/Economics and I stress financial literacy to my students so badly. I push for them to invest at their first job after retirement. I do not want them to be in my financial position in their mid-30s which isnt great.
15% is a joke savings rate if you're starting in your 30s. Ramsey people say that you can have such a small savings rate because of the magical 12% returns and 8% 'safe' withdrawal rate. Use 25% if possible. I used 70% while I could.
The problem with this video is that the stats are past looking. Says nothing about the current state of teachers and how many will eventually be millionaires. Assuming that the jobs of millionaires will never change is a slap in the face of science. This proves that actually understanding science is extremely rare.
!!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
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I started investing in dividends with my taxable account. I used the buy and hold strategy in my Roth, adding some Berkshire B stock, SCHD, and an S&P 500 and total market exchange-traded fund.
When I started investing last year, I avoided significant mistakes. I've focused on investing modest sums in stable businesses for the long term. If stocks perform well, I hold onto them; otherwise, I reinvest losses into profits. Recently, I made $9.5k from a $4k investment in NVIDIA.
Exactly, a good number of people discredit the effectiveness of financial advisor, but over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure and that's fine by me.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch if you don't mind
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As a teacher (and using the crockpot strategy) I think something that gets overlooked is that we get paid 10 months out of the year and have our salaries deferred to receive one lump sum at the beginning of the summer. This forces us to make a budget or we will run out of money before our first paycheck at the start of the next school year.
This isn't the same everywhere - my parents had 12 equal payments.
I am a teacher as well (in Spain) and we get 14 pays per year (a extra pay at christmas and another extra pay in June) but I don't think this is advantageous. Although it forces us to get by on less each month it encourages splurging on holidays but this is common in Spain (not just for teachers)
Former teacher here. The answer is simple: They have pensions that they are forced to contribute to from day one. I had to contribute 6% and the state put in 6%.
This can’t be said enough! The pension is the biggest benefit of a state job.
That doesn't make someone a Millionaire.
It does help to pay the bills once you do retire, A pension is a monthly Income.
The topic is
"Millionaire Teachers"
That's accomplished through consistent and regularly Investing
In CA I put 11% in and the school district pays 19%
403b, 457 maxed. That's 46000. Ira at 7k. Yeah I'm retiring early, EFF yeah I am
@@METVWETVno, really the fact that the teachers retirement plans are not optional is the key. My aunt spent all her money on shoes and clothes and trips, but her mandatory contributions made her a 1 million dollar nest egg for retirement
@@METVWETV The "pension" account (at least in my situtation) is an actual account that you can see the amount in. You log right and and look at it. So yes, it does count towards your net worth because I could take all of that money and roll it over to an IRA if I wanted to.
I taught English and Literature for 32 years and loved it. We had to contribute to a pension fund and the government contributed as well. I make about 70k adjusted to a COLA and taxes as a pensioner upped with my own investments. Life is good with not one single debt...yet. Single and worth over 2.4 million
I'm a teacher and not a millionaire. But, I've been surprised to find out how far ahead I am. I am debt free, including house and car. Yes, the house is modest and I'm the only 48-year-old I know who is still on car #2 of his life. I don't have any exciting toys. But I'm also comfortable. No worries about money. And the secret has mostly been living beneath my means.
If I want something, I can buy it, but mostly I don't. I'm not exciting, but I'm also not scared of my finances. And if I hadn't made some mistakes when I was younger, I'd be better off. I'm content, and that's good enough.
Who knows, maybe I'll make millionaire status by the time I retire? Time is on my side.
To attain upper-class wealth, a wise individual recognizes that building financial success requires smart investments, strategic tax planning, and informed decision-making. Although the stock market offers growth potential, effectively seizing these opportunities demands both skill and expertise.
Stock investments can offer great potential, but it's essential to approach them with caution. I recommend consulting a financial advisor who can help you determine the optimal times to buy and sell.
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings
My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
Public school teachers in some states are required to contribute 10-15% of their salary to the pension system. Very similar to following the Ramsey recommended 15%, and some contribute to IRAs on top of that. Consistently investing is important.
Most of the teachers I know are extremely frugal. They buy used cars and keep them for a long time, meal prep for the whole week, bring coffee from home and bring sack lunches every day, get their clothes from thrift stores, share maternity clothes and baby clothes, take inexpensive vacations, own small houses, etc. They don’t mind doing these things. This is just what they do.
They enter the work force at age 21 then started s&p 500 investment. They are millionaires by age 45 if save 500 a month. That compounding is then really big
@@weicc84 that would amount to 100.000 not a million😅 Also that's crazy teachers can start so early, in my country we study for 7 years to become teachers specialized in our field.
@@surlespasdondine500 a month x 24 years is 188k. Invested at the average mutual fund growth rate of 12% and starting from 0$ and contributing 500$ a month will be 844,000$. Add another 10 years it's 2,840,000.. with the average inflation rate of 3.3% by that time 1$ in 2024 dollars = 3.07$ in 2059 cash so the spending power of that 2.84 million is 925,000$. Btw nursing instructor here, my wife is a school teacher, we also have investments. Hope this helps
@@surlespasdondine500 a month x 24 years is 188k. Invested at the average mutual fund growth rate of 12% and starting from 0$ and contributing 500$ a month will be 844,000$. Add another 10 years it's 2,840,000.. with the average inflation rate of 3.3% by that time 1$ in 2024 dollars = 3.07$ in 2059 cash so the spending power of that 2.84 million is 925,000$. Btw nursing instructor here, my wife is a school teacher. Hope this helps
Pensions and deferred compensation plans. It’s not limited to just teachers but also public and government employees, etc.
Correct. I am a retired Air Force Lieutenant Colonel and took a second retirement from the federal government. After 40 years of service and five combat tours of duty, my dual pensions and benefits are worth almost $2M. I am a Ramsey methodology believer. 😇☺
@DrBob0910
While you're pension may be calculated to be valued at $2M that is NOT your Net worth
I’m a retired teacher at 38 with a million dollar net worth. Our side hussle was buying depressed homes and fixing them up and selling for a profit every 2 years and we just bought our home cash a couple months ago. Listened to the Ramsey show everyday on my way to work for 12 years and now I’m living my best life!
How do you plan to stretch 1 million dollars over what could be 40+ years? That’s not even counting the fact that your house is probably a majority of that net worth
Amazing how working part-time allows for these lucrative side gigs!
sitting here as a high school teacher eating literal rice and beans meal prepped on Sunday for lunch every day, driving a 26 year old car, with a meticulous plan to save 3 years for a down payment on a house so that we have 50% equity and a minimal mortgage payment. I feel seen.
Yikes, I would be heartbroken to lose 3 years of savings to a down payment. Invest instead. A 3% down payment is fine if you get 8-10% returns in the market.
@@SilentSputnik Interesting view point. I took a different approach from either of you, and I am happy I did.
@@mathematician1234 It depends on risk tolerance, risk capacity, and the mortgage rate I suppose.
@@SilentSputnik Yes, exactly. All those things. Different strokes for different folks.
Honestly, you missed the biggest reason. We are required to pay into a retirement system. Benefit, Contribution or Combined plan. In Ohio, 14% is automatically put in. This is nonoptional.
Anyone villianizing teachers for this, you can do it to, you just choose not to.
Almost 11% here in CA
I always admired teachers, but now I see how skilled they are at managing their finances too! This video highlights the value of patience and consistency
George..... PLEASE MAKE A VIDEO ABOUT 457B investment plans, State and Federal Government workers... PLEASE
I think he's on to something about the scope and sequence mentality. It also helps that being a teacher is an extremely predictable job. You have guaranteed planned yearly raises on a salary scale--sometimes with an additional boost if the district gives teachers an overall raise. It's--for better and worse--extremely difficult to get fired as a teacher and your job security isn't generally dependent on the state of the economy. It makes it easy to plan and think long term when your career has very few unpredictable surprises.
Agree with most. You can't fire a tenured teacher unless you catch them striking a kid or sleeping with them.
Disagree with any insinuation teachers are generally long term planners. Most of them are just as fiscally literate as the average person (which is to say poorly.) But their unions pay a lot of money to elect the politicians that then turn around and bargain their next contract, including their pension, which gets paid with your tax payments. So no, it isn't frugality or long term planning. It's just a really nice pension.
Been teaching for 20 years. In all and thus far, my salary has been frozen for 12 years. We got a 3.6% "raise" last year since 2018.
@gvwj This paragraph makes absolutely no sense. I hope you are neither an English teacher nor a math teacher.
@@danh2716 It's called informal writing on a social media platform. No need for a snarky, mean middle school comment.
@@danh2716 Half of my pension is paid by me - and the other half by the school district. No different if you had a matching 401K or a Roth 401k with your employer paying a percentage. It's absolutely frugality and planning. We are currently in a teacher shortage - feel to jump on board if the pension is so wonderful. I guarantee the kids would eat you alive in less than a day.
THIS may be my absolute FAVORITE!!!! YOU ARE HILARIOUS! All the while STILL getting your point across!!❤❤❤
Guaranteed pension would help put anyone on the millionaire track.
This is false. Not all schools and districts have pensions.
@@jackiemoon_lms Not all teachers become millionaires either. But just about all government employees get a pension plan. And if they are unionized, more so.
Teachers in some states are required by law to contribute 10-15% of their salary to the pension system. They get the great retirement by investing as much as Ramsey recommends for their entire career.
Silly comment. I became a millionaire yrs before I'm supposed to retire. Pension has zero to do with it. In fact, the pension system has TAKEN away from me bc it takes almost 11% of my paycheck.
So how do you explain this?
Do these stats on professions that are most likely to be millionaires look at the odds someone from that profession becomes a millionaire, or the percent of millionaires that have/had that profession? There are more teachers than almost any other job so if looking looking at the jobs of millionaires, you would expect more teachers than uncommon jobs where there's a much smaller pool of potential millionaires.
You're too smart for Ramsey! You're not supposed to ask questions!! But your question would make for a better study
It's the latter.(Percent of millionaires that have that job.) Just to give an example Ramsey like to rip on physicians but approximately 56% of all practicing physicians are millionaires. However there's only 1 million doctors in the US. There's something like 4 million teachers so if 15% are millionaires there'd be more teachers that are millionaires than doctors. FWIW this is just Bayes theorem in action. (Yeah I know Ramsey hates math.) Also there's about 22 millionaires in the US so something like 2.5% of millionaires are doctors. (But if you become a doctor you'll probably become a millionaire in your 40s)
Great video!
Tutoring before and after school. Taught summer school 10 years to help put our kids through college. Worked close to home to save on gas. Always brought my own lunches and coffee. Planned meals weekly-always had leftovers to eat or freeze. Take money out for pension while you can. 😊 absolutely long term planning. Don’t incur debt that you don’t need!!!
Unfortunately, in Massachusetts, 11% is automatically deducted from our salary for our pension. This works out great if you can survive 35 years of public school teaching. However, many of us just can’t make it that far and have no way out, other than to trade 27 years of our lives for 27% of our salaries. I just wish RUclips existed when I was young. I would have done things very differently.
Amazing Video thanks, I realized that the secret to making a million is saving for a better investment. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money
Getting professional help is a smart move when it comes to building a strong financial portfolio that matches your long-term goals. It's always wise to seek guidance from experts as Kavita Rohon
Wow you know Kavita Rohan, I started investing when I was 45, mostly through sweat equity. I just turned 48 and this last month was the first time that my passive income broke $100k for the month. This is solid advice! DO IT! You don't have to get rich quick, you just have to get RICH no matter what..
My money stays right in my trading account, my account just mirrors her trades in real-time.that's the idea behind copy trading.
This sounds so good and would like to be a party to this, is there any way I can speak with her?
Sure, she's mostly on telegrams App using the user name written below..
Great vid George, 'Got a light?' LOL!! I would have added that one of the reasons teachers often build wealth is that they're so busy during term time that there's no time to spend money, then they spend the first chunk of every (but you teachers get so many) holidays sick while their immune systems play catch-up. And by 'they' I mean me, everybody has their own experience! Happy Teachers Appreciation Day for yesterday, fellow educators is Aus!😊
Very well said and very entertaining video
Great benefits!!
The same frugality and conservatism can also lead teachers into avoiding investing to avoid risk also could be reason why some of them dont become millionaires.
How do you differentiate millionaires when it's a married couple? A couple I know is certainly millionaires, one is a teacher and the other in finance making way more then the teacher does. If you asked the teacher, they would say they are a millionaire. They have kids and don't have to pay for day care because the teacher is always home when the kids are including the entire summer. Maybe they pay for a little after care, but the teacher leaves for school early, and the finance spouse stays home for long enough to get the kids on the bus. As a couple, they save a bundle.
Exactly. Most teachers are women who have married a husband with a higher salary.
@@joeldoesdesign I agree. They're over thinking it. Teachers are more likely to be part of a dual income household. Add in the pension and reduction in education/daycare and that probably explains most of it.
Many teachers in the US are ineligible for social security. OTOH it’s one of the few jobs left with pensions. Weird case!
Teachers ineligible for social security are likely forced to contribute more to their pensions. In Ohio they don't contribute to social security, but their pension investments are a lot higher (14% automatic contribution and they have an employer match of 14%). I'm in Wisconsin. In Wisconsin, we contribute to social security and 6.95% in our pension (with an employer 6.95% match). Yes, I'll get social security, but I'd rather be in Ohio and not have to worry about social security in the future! I have a hunch: If you don't put money into social security, you are likely to become a "teacher millionaire" sooner since more money is being invested in the pension.
Teachers become millionaires because they are forced to contribute a percentage of their income to their retirement and they can't opt out. And they also stay in the same profession their entire careers. So they contribute for 30 years & that money is compounding over those years. That's my humble opinion anyway! lol.
I know Ramsey said teachers are among those surveyed who are millionaires but I seriously want to know where u all found these teachers at? My mom was a teacher for 33 years and is by no means poor but she definitely ain’t a millionaire. Every teacher I’ve ever know is barely getting by and the retired ones are doing ok but definitely not millionaires either and working another job in their “retirement” age. The teachers that I do know doing well money wise in their retirement are in that position due to their spouse being in a high earning job.
Question about those studies: What exactly are they defining as a "teacher"? Does that include, for instance, college professors and teachers at elite private schools? I guess what I want to know is how many of those millionaire teachers are what people generally think of as a teacher (public school teachers)?
Teachers at "elite private schools" are paid less than public typically
I believe it’s K-12 teachers only according to the survey information.
I enjoyed this video very much. Wonderful advice
Awesome video. 😄
Thanks George for another informative, yet funny video. You’ll reach 500K followers soon enough.
Teachers also develop networking with kids' parents and get enough vacation time to side hustle.
I am a teacher and I will try for sure 👍
Because teachees traded salary for benefits. Then complained about their salaries being too low and held the kids school activity (buses, after school sports, etc) hostage if the budget with massive salary increases and step bumps doesn't get passed.
New York Teacher
As a debt free teacher over here. I have something to look forward to. Thank you George
Teachers make great life partners so many teachers have a well paid spouse.
This. If you had to ask me the single biggest determinant, I would have said, "Teachers tend to marry engineers."
My parents were both teachers, 3 of my grandparents were teachers, no engineers.
I think everyone here is missing the biggest reason: Most teachers get married at some point, so they have a spouse to combine income with. As someone who is not willing to wait on finding a man to meet my financial goals, I got out of education and am transitioning into a different industry that pays better.
As a former, unmarried teacher, I was looking for this comment. Most married teachers I know seem to have married well.
Teachers generally have 401k's, 457b's (this depends), and pensions, and generally retire at 65 or older (from my experience, most boomer teachers like working, and stay working until their later years).
The pension alone is generally enough to match their current expense when they retire (as its usually at least 70%), and they can still get SSI too, so its likely they won't need to touch the principal on their retirement accounts... ever.
And from all the teachers I knew in my childhood, who have retired, most of them weren't big money spenders either, and were quite thrifty. I guess that sort of makes sense too, considering a lot of teachers have to pay for their own teaching material (this part is pretty messed up), and can only deduct $300 of teaching material, which is definitely not enough for the average teacher, so they have to budget everything.
Well, that's how it was for boomer teachers. I'm not sure about current ones.
The teachers here in California are driving in luxury cars and buying lunch every day lol😂. I work in a school but not a teachers.
No bull run can exist without the impressive Flokidonger
This whole video is based on a logical fallacy. "Teachers are one of the most common professions among millionaires" does not imply "Teachers are more likely to become millionaires than anyone else." The biggest reason why there are so many millionaire teachers is that there are so many teachers, period - it's one of the most common professions in the US, at roughly 2% of all working-age adults. (To compare to another top-five-millionaire profession, there are three times as many teachers as there are lawyers.) So even if a relatively small percentage of teachers become millionaires - for the reasons described here or however else - they can still crack the top five of millionaire professions.
If you're not convinced, look at it this way: In Wikipedia's "List of countries by number of millionaires," China ranks second. Does that mean we should be talking about "Why Chinese people consistently become millionaires"? Of course not. The number of millionaires per capita is much higher in many other countries - it's just that they're all much smaller than China is.
More teachers in the US are over 6’6” than NBA players are. What’s their secret to getting so tall?
That said, many people think no one with a teacher’s salary can retire a millionaire, so it’s worth pointing out that’s not true.
@@ianwerkheiser1292 "More teachers in the US are over 6’6” than NBA players are. What’s their secret to getting so tall?"
This is perfect - thanks!
"That said, many people think no one with a teacher’s salary can retire a millionaire, so it’s worth pointing out that’s not true."
Agree 100% - I just wish they didn't keep relying on misleading interpretations of statistics to do it.
@@johannamiller527 Agreed. It’d be a pretty good troll if the whole video was George just saying “the surprising answer is … the base rate fallacy”
@@ianwerkheiser1292 Lol. But the Ramsey collective has rehashed this argument a bunch of times before, so I was pretty sure he wasn't going to do that.
The average school in the USA spends over $12k per student per year. Before demanding that teachers get paid more, ask where all that money is going.
Not to the teachers. The budget is public, look it up yourself.
@@suen5006 I never said it went to teachers. It goes to administrators. But, once again, for the people complaining that teachers don't get paid enough, first ask where the money we're already spending goes.
Does this stat separate teachers from the superintendents & other highly paid school administrators?
Probably not
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Wow 😱 I know her too
Miss Christina Ann Tucker is a remarkable individual whom has brought immense positivity and inspiration into my life.
I started with a miserly $1500. The results have been mind blowing I must say TBH!
< I know that woman(Christina Ann Tucker)
If you were born and raised in new York you'd know too, No doubt she is the one that helped you get where you are!!
There is her line!!! under this comment!!!👍🏻👍🏻👍🏻🔁 Put the digits together.
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Eugenia Eiland program is widely available online..
This reference seems valid.. Just looked up her full name on my browser and found her webpage without sweat, over 15 years of experience is certainly striking! very much appreciate this.
thanks for putting this out, just found the official site of Eugenia Eiland after inputting her full name on my browser, she is valid
She clearly has an online presence, I found more information about her easily by conducting a simple search.
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While I agree in the comments that pensions do help substantially for those in the public sector like teachers, police, or govt workers, that doesn't necessarily help you hit millionaire status. Everything else George talked about does, and those behaviors can be adopted by anyone.
I had a Mrs. Duderstadt in elementary school! George, did you grow up in Chattanooga?
Teachers in Canada also make an extremely good wage. After a couple of courses and a few years teaching full time they can make $90k to $120k per year. Plus full pension.
Exactly. In any remotely populated area, teachers tend to be compensated very well for the work they do. Keep in mind they also tend to get 4 months off a year.
@@danh2716 Yeah true, hard to get in the door though. Out of my friends that did teachers college, only 1 of them got full time work in teaching out of 6.
@UraniumAtom IDK, here in Minnesota, you just need to work as a teacher for a couple of years... ...and pay your union dues, of course.
I started investing at 37
I'm a teacher of just five years, and I already have $40K saved for retirement. My financial advisor says that, if I keep saving 15%, I can retire at 57!
Government jobs also have some nice benefits as well, which probably helps for public school teachers. Which is 83% of K-12 teachers.
32 years old with a net worth of $350k USD or roughly $475k CAD. Realistically it’s all because I’ve lived at home most of my life and have a property that appreciated by about $140k since I’ve purchased it. ❤ I’m forever grateful Sonia karen
Wealth is built in both bull or bear market and also wealth transfers from the impatient to the patient. One of the best ways to succeed in crypto is by trading your assets with a good strategy..
Ms Sonia understanding of market indicators is impressive. She knows exactly when to enter and exit trades for maximum profit. her siignals are top notch
I Just realized that the secret to making a million is saving for better trades. I always tell myself you don't need that new Maserati or that vacation just yet. That mindset helped me make more money trading.. I Traded with 10k in Crypto and made about $146k,but guess what? I put it all back and traded again and now I am rounding up close to a million.
Good day all👍🏻 from Australia 🇦🇺. I have read a lot of posts that people are very happy with the financial guidance she is giving them ! What way can I get to her exactly ?
Consulting financial experts like Sonia for advice and guidance on adjusting your investments is a smart decision.
.....
$500 into market once a month the last 30 years would be one million. Did I have $500 a month for that long? Yes. Did I know where and how it needs to be invested? No. There were no youtubers, and bankers did not walk around looking for someone who wanted to invest so little.
Pensions
Elon knew the Flokidonger idea and the key changes coming with it, better be prepared for a large run
Every teacher I have ever met is married to someone with a much larger salary.
Will ETH 2x? 3x? Maybe. But add two more 00 to that for Flokidonger having 200x or better
Because they have good pensions???
Because they are intelligent? 😊
My mother who was a special education teacher gets 60,000$ a year for her pension
U jelly?
@@holdencawffle626lol, I'm happy with my pension. I just think it's worth considering since most people in most industries don't have access to a pension in the US.
@graciethecat2181 I don't think that's the reason necessarily. Lawyers and doctors are very intelligent, but often fail to ammass wealth
Kamel. Kamel. Kamel!!!
This video accidentally illustrates two ways in which Ramsey’s advice is generally really bad advice. First, this entire video never mentions one of the biggest benefits teachers have in wealth building, and that’s the fact teachers generally spend their entire careers working in one district, which means they can but a house and eventually pay it off. But, rather than mention that, this video claims teachers are getting rich by side hustles. smh
Second, starting at 6:10 this video mentions a hypothetical 401(k) savings. But, following Ramsey’s advice, the teacher doesn’t star saving until 5 years into her career, when she’s got loans paid off, etc. And in this hypothetical example, the teacher ends up with about $3million 35 years later. All fine and well, except that had the teacher started investing into a 401(k) at the beginning, instead of waiting, she would have ended up with more than $5million. So Ramsey’s advice cost her $2million in retirement savings.
Ramsey’s advice works, at a basic level, but it’s usually not the best advice. It’s ideological advice, based on the foundational principle that debt is bad, and it goes from there.
Married to a teacher, mother was a teacher, mother-in-law was a teacher. I've been significantly around teachers my entire life.
Based on direct observations made over years of seeing/talking to/knowing teachers personally, I pretty much disagree with each and every conclusion that George comes to in the first half of this video (which is when I stopped watching.)
George is using data from a national pool, you are using data from your personal microcosm
@jerrywells5551 Ha! Yes, because the one thing that everyone knows is that teachers' unions are completely different in various areas of the country. :Rolleyes:
It's because business owners search them out for benefits!!
I like the information, but can we agree that 62-year-old Sally was not making $44k as a first-year teacher 40 years ago?
*Amazing video, thanks for the steady stream. I'm favoured, $450k Returns the Lord is my saviour in times of my need!!!*
Hello how do you make such?? I'm a born Christian and sometimes I feel so down myself because of low finance but I still believe in God
It's Maria Frances Hanlon doing, she's changed my life.
Good day all from Australia 🇦🇺
How do I
contact her, please, my portfolio needs
growth??
I will leave her information below this comment.
She's always active on Whats~App...
Great video. I am ballsdeep for Flokidonger and love your review for that as well
I point out the survey that this comes from when someone says only the Rich Doctors and Celebrities can become millionaires! HA!
Elon tested us with DOGE; now he is serious with Flokidonger
Why teachers become millionaires: They know 4th grade math 😂
My state pays at the bottom of the nation and our health insurance costs are extremely high. I have a master's and 30 years experience. My salary is $45k. A new teacher gets 42k. This guy's speech isn't applicable to all teachers.
George workin' out some o' that childhood trauma!!
I know a lot of teachers with luxury cars and Loui's.
If they is true why does every teacher I know complain about being underpaid, some even say they work second jobs just to make ends meet?😂
It's a fact: Teachers are underpaid and most have a second job. The whole point of the video is - save, stay out of debt, invest and live frugally. This lifestyle is WHY they reach millionaire status. Only the truly tough individuals can live like this 🦾
Not watched the video yet, but my guess is going to be 'no time to spend anything.'
By lying to everyone about how "underpaid" they are. Their median pay is about the same as median HOUSEHOLD pay. They make plenty.
Based off what you stated, Why aren't there more millionaire's with the same median income??
Tell me that you do not know what teachers are paid without actually saying it. That "median pay" in our complete package so they count how much the district invests in pensions, how much they contribute to our health insurance, Social Security, etc. Some districts give money to help with child care which they count too. So teachers who get $80,000 (household income as of last year) actually only get about 40 something thousand maybe 50 if they are lucky as their actually salary in most states.
@@nathanhemingway8856 as if nobody else has to pay for their own retirement, health insurance, taxes, and day care lol
Why are there so many bots in this comment section?
But how many teachers can tolerate todays youngins? 🤔
Probably because most teachers are women, and most women are married to men who have higher earning careers.
My wife is a teacher. Its a blessing but grueling. Going to let us both retire by 62. The Pension is key.
They don't.
Actually they do, my mother was a teacher, now retired with 3 million. She lives off her pension, goes on a fabulous vacation once a year and has a paid off house worth 1.8 million, payed $150,000 for it 30 yrs ago. Great news for me as I will inherit it all 😊
@kathrynp7595 liar. 3 million and only 1 vacation. You must be a Democrat to make up lies to support your delusion
Exactly pension
@@mhodge0890 Her pension is around 60,000 a year. Plenty for her to live off of
They do. I've seen it many, many times
✊✊✊
Flokidonger is the king. Everyone loves it
I hate to be the one to tell you all, but compound interest in the stock market is not the miracle that George thinks it is. The price of the S&P500 in 1969 was 97. In 2024 it's 5,314 - a 54.7x increase. $5K invested in 1969 would be worth $274K today. $5K in 1969 is also worth $43K today due to inflation. So the purchasing power of that $5K has only increased by 6.3x. In short, every dollar you invested 55 years ago would be worth $6.30 today. Not terrible, but nowhere close to the returns George thinks you'll get.
Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Brooke Miller
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Always whining about pay, when they get three months off with pay. Bty, they don't need to buy queer flags for the classroom. Save your money.
😂 good job over generalizing 👍
I’m a public school teacher & get paid for 10 months of work/year. No paid summers off.
Get your facts straight. We only get paid for 10 months per year.
Okay Boomer…you really don’t understand what it’s like to be a teacher, how they are paid and the crap they put up with. Don’t paint every teacher with the same brush.
My spouse is a teacher and the stories I hear are unbelievable. Being a teacher is brutal is today’s world. How little they are paid to deal with these poorly parented children is criminal.
All the good teachers I know really only get 1 month "off" and they work weekends and holidays to prepare lessons, prep classrooms, and grow our children's minds. So please step off your pedestal and help them out. I deal with 3 kids at home and almost lose my mind. Somehow they manage 10x that and still do better jobs than some parents.
There are some bad teachers, but don't let one bad apple spoil the bunch.
Wow imagine if they passed this on to their students so when they get out of school they aren’t trying to figure it all out on their own..
Many of us try too. I teach History/Economics and I stress financial literacy to my students so badly. I push for them to invest at their first job after retirement. I do not want them to be in my financial position in their mid-30s which isnt great.
15% is a joke savings rate if you're starting in your 30s. Ramsey people say that you can have such a small savings rate because of the magical 12% returns and 8% 'safe' withdrawal rate.
Use 25% if possible. I used 70% while I could.
The problem with this video is that the stats are past looking. Says nothing about the current state of teachers and how many will eventually be millionaires. Assuming that the jobs of millionaires will never change is a slap in the face of science. This proves that actually understanding science is extremely rare.
Your dumb. Watch the video quit listening to your self talk, find some humility you need it
!!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
As a beginner investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $100k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
nice! once you hit a big milestone, the next comes easier. How can i reach her, if you don't mind me asking?
Because they get BENEFITS that the rest of us do not. Plus they only work part-time.
Waste of time video.
Think outside the box think Flokidonger, Bitcoin or ETH will not make your life the dream you want it to be
Elon knew the Flokidonger idea and the key changes coming with it, better be prepared for a large run