100k is 25% of 1 Million! (The Snowball Effect)

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  • Опубликовано: 22 дек 2024

Комментарии • 424

  • @DemsDaBreak
    @DemsDaBreak 10 месяцев назад +662

    You're 25% of the way to 1 million subscribers, congrats!

  • @Jasongy827
    @Jasongy827 10 месяцев назад +155

    That’s why Charlie munger said that saving 100k is a must and easier

    • @Dividendology
      @Dividendology  10 месяцев назад +8

      Exactly

    • @AJohnson0325
      @AJohnson0325 8 месяцев назад +7

      Unfortunately, 100k in the 1990s when he said that is more like 200k today. I’ve also heard that 300k is halfway to a million. The real goal is financial independence. Unfortunately, a million isn’t enough to live on indefinitely but the sooner you get to 1M the more of a benefit you’ll get when your money doubles every 7 years or so. You probably need close to at least 5M in todays money.

    • @DarkoFitCoach
      @DarkoFitCoach 6 месяцев назад

      ​@@AJohnson03251mil is for sure enough to live on indefinitely. Just not in the west. But if u go to thailand or 100 other countries you can and do live like a KING for 3 or 4k per month which is easy passive income from the 1mil without even touching the principle

    • @SAMWELLFPS
      @SAMWELLFPS 6 месяцев назад +4

      @@AJohnson0325 is does not matter when he said that , the math still the same , even if he said that in 1457

    • @johnurban7333
      @johnurban7333 5 месяцев назад +3

      He said the first $100,000 is the hardest and gets easier from there

  • @TortoiseInvesting
    @TortoiseInvesting 10 месяцев назад +128

    That first $100k is a b word said someone that will be dearly missed. Always look forward to your uploads, the snowball is so so powerful!

    • @Sylvan_dB
      @Sylvan_dB 10 месяцев назад +3

      RIP Charlie!

    • @jocelynwilliams2059
      @jocelynwilliams2059 9 месяцев назад +1

      Charlie mungerr

    • @AStef-tl8yj
      @AStef-tl8yj 6 месяцев назад +1

      worthy mention: he stated this more than 20yrs ago. In todays standards it's more like 300K

  • @FJX716
    @FJX716 10 месяцев назад +82

    I’ve been investing for going on 6 years. I was at a point where I could only invest $100 a month. Now I’m investing closer to $800 a month and currently sit at over $27k. I’m hoping I’m on track to hit $100k but I wonder if I’m still a ways off.

    • @CapAnson12345
      @CapAnson12345 10 месяцев назад +24

      According to my quick calculations you're a little over 6 years away from 100k at that rate, 20 years to 500k, 28 years to 1 million. Assuming an 8% return and your current contribution of $800/month. If you're a little more optimistic and say 10%, and you can get your contributions up to 1500/month then those times become 5 years, 14 years, and 20 years respectively.

    • @MikeVictory
      @MikeVictory 10 месяцев назад +40

      You are a heck a lot closer than you were before you began...keep up the great work

    • @FJX716
      @FJX716 10 месяцев назад

      @@CapAnson12345 is that with reinvested dividends?

    • @FJX716
      @FJX716 10 месяцев назад +4

      @@MikeVictory thanks! Love investing.

    • @lostboi3974
      @lostboi3974 10 месяцев назад

      ruclips.net/video/G0gsdc0VnZc/видео.htmlsi=rf8ehugmEclGp7Hl

  • @DrLaurelWeaver
    @DrLaurelWeaver 6 месяцев назад +31

    To be honest 30 years still sounds discouraging 😂 especially taken into consideration that 1 million isnt even a lot anymore.

    • @leonhenry4861
      @leonhenry4861 5 месяцев назад +12

      You know you can put more money in to speed up the process 😂

    • @DrLaurelWeaver
      @DrLaurelWeaver 5 месяцев назад

      @@leonhenry4861 that's great, you have any extra you can donate?

    • @briannecastillo6355
      @briannecastillo6355 5 месяцев назад +4

      you could think of it as a debt to yourself, you can put in more every month to get rid of the "debt". thats the way it is in my head, more like a countdown than a build up

    • @JosefBorg025
      @JosefBorg025 9 дней назад +1

      Better a million than 0 in 30 years

  • @chrisniner8772
    @chrisniner8772 10 месяцев назад +95

    100 grand used to be a heck of a base to work from... now it's a really nice pickup. The dollar got wrecked.

    • @scc12321
      @scc12321 10 месяцев назад +2

      Yup 100 grand is the new downpayment

    • @SmartestDumbGuy
      @SmartestDumbGuy 10 месяцев назад +24

      Just means the pickup is overpriced. I just bought a 98 gmc sonama for $600. Runs and drives great.
      Guys who spend 100k on a truck are either dumb or rich.

    • @chrisniner8772
      @chrisniner8772 10 месяцев назад +6

      @@SmartestDumbGuy rich people are rarely dumb.

    • @SmartestDumbGuy
      @SmartestDumbGuy 10 месяцев назад +15

      @@chrisniner8772 most people buying 100k trucks aren't rich.

    • @joshw7974
      @joshw7974 9 месяцев назад +6

      ​​@chrisniner8772 if you think rich people are rarely dumb, you clearly don't know a lot of rich people.

  • @wealthelife
    @wealthelife 10 месяцев назад +42

    True. I did a similar blog post in 2007 about how the first $1M is the hardest. Compounding works wonders if you save and invest a regular, significant % of income for a long enough period of time, and invest in a diversified growth portfolio (rather than try to pick a few 'winners' and either get lucky or not).
    One of the nicest things is that at some point your investments are making a larger monthly contribution to your growing wealth than your saving a % of salary, and eventually your investment grow large enough to replace your salary income entirely (FI). If you keep working a bit longer you build up a buffer against market downturns (sequencing risk) if you retire and live off your investment income. And if you keep working and don't spend the compounding investment income it will eventually get to the stage where you can retire, draw down a comfortable income from your investment portfolio, and it will still be growing more than inflation.

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      Nice insight!

    • @methos1999
      @methos1999 10 месяцев назад

      That’s my goal😊

    • @Monkofthecaribbean
      @Monkofthecaribbean 10 месяцев назад +1

      No one wants to wait and retire till their old and cant do jack shit or enjoy life then to die 5 years later.

    • @amitray6614
      @amitray6614 10 месяцев назад

      ​@@Monkofthecaribbeanno one wants to, yet that's what many are destined for if they don't appreciate the power of compounding and start early enough.
      Many people I come across think investing is for the rich, or I'll start when I have x amount saved up. And before that, lemme pay off my low interest mortgage and get that car on lease (coz I "need" that latest model and I can't buy it outright). 😂

    • @amitray6614
      @amitray6614 10 месяцев назад

      That's a nice way of looking at it...
      First milestone is for the pot to get large enough that it grows more than our ability to save/add to it.
      And the next milestone is for it to be large enough to generate an amount that replaces our income completely. FI level 😊

  • @jadecarson5081
    @jadecarson5081 6 месяцев назад +85

    You can't go wrong with picking dividends ETFs, especially for newbies. majority tracks the yield returns about 15.7% yearly on average, now imagine when it’s well managed. It's a no-brainer to go with dividend paying ETFs.

    • @Kik-q3q
      @Kik-q3q 6 месяцев назад +1

      Sounds like you are totally crushing it.
      Great work!

    • @jadecarson5081
      @jadecarson5081 6 месяцев назад +2

      Absolutely, at the start, during the pandemic my portfolio fell from 630k to 270k, That could scare a lot of people. It did! It revealed a lot, it’s more easy navigating with an experienced prospect.

    • @jadecarson5081
      @jadecarson5081 6 месяцев назад +1

      A sound method would always provide more interest no matter what, which is why, despite the concerns of those who have lost money trading, there are those who attain profitable returns. Best possible way, is participating behind top experienced performers.

    • @jadecarson5081
      @jadecarson5081 6 месяцев назад +1

      coach Frost hilda take good care of my holdings giving me an edge to successful interest.

    • @jadecarson5081
      @jadecarson5081 6 месяцев назад +1

      Feel free, I currently own tech equities and dividend ETFs constructively, having gained full insight. In terms of price to dividend yield ratio SPYD, VYMI and few others has been my main growth drivers in my holdings. Truly great to see.

  • @jon9103
    @jon9103 9 месяцев назад +3

    You can make it whatever percentage you want by adjusting the parameters, for example, cut the annual contribution to $1,000 and it will take about 30 years to get to $100k and a little over 60 years to get to a million. So while the over process is slower, you'll be about halfway there when you get to $100k.

  • @corne1720
    @corne1720 10 месяцев назад +15

    One other big variable is how much you are able to invest. I’ve reached a point where I’m able to put a ton more away than when I was younger. Obviously this isn’t something you can model or plan for. But maybe you can put away $10k per year at 18. But at 28 you can afford to put 30k

    • @invertedv12powerhouse77
      @invertedv12powerhouse77 9 месяцев назад

      Depens on if you got a house too. That can easily eat up your investing

    • @jimfilippou
      @jimfilippou 5 месяцев назад +1

      30k per year invested is so difficult to achieve in Greece

  • @trevor8583
    @trevor8583 10 месяцев назад +30

    I’m 25, I just got to $170k. Really does start growing faster after hitting the first $100k. I hit $100k when I was about 23 and a half, after working since I was 18. Now a year and a half later, I’m almost double that

    • @nikumimito3164
      @nikumimito3164 10 месяцев назад +9

      Wow! I wish I had started saving and investing seriously at your age, nice job

    • @Dividendology
      @Dividendology  10 месяцев назад +4

      amazing start!

    • @TheFirstRealChewy
      @TheFirstRealChewy 10 месяцев назад +3

      That's awesome! At that age I had less than $3K invested, and even a decade later I still didn't have that much invested. I also didn't seriously start investing until the last 6 years, and really understand investing in the last 2 years. I sure missed out on a lot, but I'll have to make do like everyone else who missed out.

    • @austintomkewitz3981
      @austintomkewitz3981 10 месяцев назад

      I got to $55,000 ish then I blew $12,000 plus I don't regret it I'm only 23

    • @maltem7973
      @maltem7973 10 месяцев назад +2

      I started investing when i was 20 in 2019 with 8k euros now i got a total profit of 120k and thats considering ive only lost money since the end of 2021

  • @TalesOfTrillions
    @TalesOfTrillions 8 месяцев назад +2

    That first $100K might be the hardest, but knowing the snowball effect kicks in afterward is all the motivation I need.

  • @silverlining1379
    @silverlining1379 10 месяцев назад +20

    Hey! Congratulations on getting to 100k subscribers!! That's awesome!

  • @mqlenz
    @mqlenz 10 месяцев назад +16

    I put $25 a week in a brokerage account split between SPLG SCHG & SCHD for my sons he’s only 1.5. Hopefully by the time he’s my age he’ll be a millionaire

    • @striperkid
      @striperkid 10 месяцев назад +3

      I have my children investing in VOO and VGT. If they want to add additional investments into individual stocks, I tell them either AAPL or MSFT, or both.

    • @peters6850
      @peters6850 10 месяцев назад +5

      I do 15 a week for daughter. She's only 2 and has more money than I did at 19

    • @Ghostryter81
      @Ghostryter81 7 месяцев назад

      As someone who did this 20 years ago for my son, I'll suggest you pick 1 ETF and stick to it instead of several. You'll compound faster and once you hit 100 shares you can sell options and just collect premium going fwd. Those two factors or even just the compounding happens faster when your not spreading yourself thin over multiple ETF's. It's something I wish I would've done in the beginning instead of realizing it much later.

  • @joemomma707
    @joemomma707 3 месяца назад +2

    What if I already have 100k? How should I invest that? I’m selling my home to buy another. Gonna end up with 100k after down payment and paying off all debt.

  • @Beansthecat99
    @Beansthecat99 9 месяцев назад +7

    Videos like this really are motivating!

  • @wildfoodietours
    @wildfoodietours 7 месяцев назад +5

    Compound interest is a game changer for those on FIRE.

    • @ReloGP14th
      @ReloGP14th 2 месяца назад +2

      yeah when you see that curve being less and less flat you know that its gonna be good

  • @Idintcare
    @Idintcare 9 месяцев назад +2

    Great analysis but 1 thing not mentioned is that if you do start to live off dividends after 15 years the red line will not go so high, as you are taking money out of the portfolio so that won't be compounding.

    • @peted2770
      @peted2770 6 месяцев назад

      That's correct, but remember that he makes more money from selling his strategies and apps than from his actual investments.

  • @jsides1006
    @jsides1006 10 месяцев назад +4

    Can you make a video on how to build this chart (sorry if you already have one)?

  • @uncountableuk
    @uncountableuk 10 месяцев назад +3

    The most important projection is investment return minus inflation.
    You have used +6% (8 investment minus 2 inflation). That is very racy in my opinion over a 40 year period.
    I personally use +2%, which is pretty conservative. Somewhere between 3-4% might suit most portfolios.
    Note that when you have fixed the difference as an assumption, it doesn't matter what the absolute values are. The time periods are the same.

  • @freedomring3022
    @freedomring3022 10 месяцев назад +17

    it amazes me the number of people that can't grasp the concept of compounding interest and simple, slow and steady investing over the long haul.

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      True!

    • @MuzixMaker
      @MuzixMaker 10 месяцев назад +1

      Why isn’t this taught in school?

    • @Madchris8828
      @Madchris8828 10 месяцев назад +4

      ​@MuzixMaker more financially free people would be less likely to be massive consumers and it would hurt companies $$. At least that's my thought. Most of the time, why things aren't done is because of money in the end

    • @MuzixMaker
      @MuzixMaker 10 месяцев назад +4

      @@Madchris8828 you are correct. The world needs a steady supply of consumer drones.

    • @freedomring3022
      @freedomring3022 10 месяцев назад +8

      @@MuzixMaker because they need to keep people stupid and poor

  • @diegoalvarado7690
    @diegoalvarado7690 10 месяцев назад +5

    Congrats on 100k subs!!! I hope you keep the great content so i Can show this to my future children.

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      Thank you so much! The best is yet to come!

  • @zaytona310
    @zaytona310 10 месяцев назад +7

    I guess the question becomes, what stocks should I invest in that will allow me to have a portfolio that makes a 7-8% return??

    • @HoldfastAndDeliver
      @HoldfastAndDeliver 9 месяцев назад +3

      30 years of holding index.

    • @hai.zzzzzz
      @hai.zzzzzz 9 месяцев назад +3

      S&P

    • @willnox1
      @willnox1 8 месяцев назад +2

      S&P for 30 years is the safest most non volatile way of doing it

    • @allenl9214
      @allenl9214 3 месяца назад +1

      S&p like VOO

  • @itsnick37
    @itsnick37 9 месяцев назад +2

    A lot of people will struggle to get to this if we are being honest, you need so much cash for everything now less will go into retirement accounts…. Maybe the tax system needs to be overhauled and we need to stop giving out free money and sending it to other countries…..

    • @oglocbaby520
      @oglocbaby520 6 месяцев назад

      You are exactly right. A huge number of people, even those making well into the 6 figures, are literally living paycheck to paycheck. A good portion of Americans couldn't even cover a $500 emergency without having to go into debt, this could be something like needing new tires for your car or you have a dental cavity. There's absolutely no way these people are going to be able to set aside anything substantial for investing/saving.

    • @leonhenry4861
      @leonhenry4861 5 месяцев назад

      @@oglocbaby520I agree but it can be done. I’m half way there, started really about 3 years ago and I’ve got kids. I’ll be at 100k in about 2 years. Will keep you posted if you want to

  • @rssharma9
    @rssharma9 10 месяцев назад +4

    I never understood that famous statement: "After reaching $100K, the snowball effect really takes off." Doesn't the snowball effect start after the first earning of passive income? What should the gradient of the curve be for us to confidently say that the snowball effect has started?

    • @Dividendology
      @Dividendology  10 месяцев назад +2

      It does start when earnings any passive income, but the effects really kick in at around 100k.

    • @rssharma9
      @rssharma9 10 месяцев назад +1

      @@Dividendology I am not trying to argue here, I am merely curious. What's your definition of "the effects" kicking in? If the effects are when interest exceeds yearly contributions, it's year 8 (interest earned/year is $1333). If it is when the tangent to the curve (interest vs year) is greatest, it is year 40. Where does $100,000 enter the overall picture here? (Feel free to ignore this comment if you find it irritating or you don't have a good answer.)

    • @Sylvan_dB
      @Sylvan_dB 10 месяцев назад +3

      I find "it really kicks in" when the passive income is significant compared to the amount of active income I am able to add to my investments.
      For example, hitting $100,000 in SCHD will generate about $3500 in passive income over the next year. That is an average of $290 per month or $67 per week in addition to whatever you are able to add.
      I had several years where I was unable to add to my investments (job loss, lower paying job 15 months unemployed, another even lower paying job). However the passive income kept coming in and even better, this time period started in 2008 so the market was down. The snowball kept rolling!

    • @Mactakun
      @Mactakun 10 месяцев назад +7

      Basically it is noticeable. You don’t have to dive too deep into it

    • @rssharma9
      @rssharma9 10 месяцев назад

      @@Sylvan_dB Sounds reasonable.

  • @_Mikekkk
    @_Mikekkk 10 месяцев назад +9

    You always forgot about taxes on your interest. And they are huge, especially on passive income.

    • @ethanshy280
      @ethanshy280 10 месяцев назад +2

      No, qualified dividends are taxed very favorably.

    • @sherwinh1661
      @sherwinh1661 10 месяцев назад +3

      more like, where do i find a 7% return product? that is safe and stable

    • @afridgetoofar1818
      @afridgetoofar1818 10 месяцев назад +1

      @@sherwinh1661S&P 500 index fund.

    • @quietus13
      @quietus13 10 месяцев назад

      ​@@sherwinh1661short term there's not really anything. Long term, you can bet on a S&P500 index fund. Really long term you can bet on a leveraged S&P500 index fund.
      How I look at it, if the S&P can't produce a positive annual return on average over 30 years, then we will probably have a lot bigger problems to worry about. Like which bread line I'm going to stand in, or which War Lord I will submit to and offer my virgin daughter. A retirement nest egg will be the least of my worries.

    • @ftlaud911
      @ftlaud911 10 месяцев назад +2

      Very good point. In these scanerios you have to pay 20% in taxes on the interest out of pocket. Feasible in beginning, but eventually you will have to pay it out of your interest profit. Also, the assumption you can make 7% and 10% every year is comical. No one bats 100% and you 100% will lose money a certain % of the time. If you could be 70/30 your lucky. So in total you only walk away up 40% minus taxes (20%) and hope your tax write offs (max 3k per year if negative) offset the taxes when your winning. End result is around is 32% with an unknown loss possibilty other than going to 0. That is if you invested the same amount each time playing statistics compunding. Yes, HSA can help or 401k, but regular investing pays short term tax rate. Even on retirement besides Roth you will pay taxes when you cash out assuming a lower rate (min 10%) when retired. There are no perfect scenarios and just have to make the best decisions you can while SAVING!

  • @sbkpilot1
    @sbkpilot1 6 месяцев назад +1

    Not necessarily.. returns are not linear, next 10 years the market may return nothing

  • @davidjames241
    @davidjames241 6 месяцев назад +1

    Depending on if the stock market behaves itself, I'm on track to hit 100k in probably about just over a years time, I started properly saving/investing towards the end of 2017...so for me it will be almost exactly 7.84 years to the first 100k! Which is really quite motivating! Carry on everyone! And don't let any dips get you down!

  • @zhangguo8762
    @zhangguo8762 10 месяцев назад +20

    Took me 8 years to get my portfolio to 1 million so hopefully the next million is going to be much much quicker.

    • @mikeyman1974
      @mikeyman1974 10 месяцев назад +4

      as long as you invested in quality you should be good.

    • @lostboi3974
      @lostboi3974 10 месяцев назад

      How?

    • @mikeyman1974
      @mikeyman1974 10 месяцев назад +1

      @@lostboi3974 did you even bother watching the video it’s compounding interest.

    • @TheFirstRealChewy
      @TheFirstRealChewy 10 месяцев назад

      ​@@lostboi3974 If going from $0 to $1 million in 8 years, then its good investments and good contributions. There is no shortcut. It takes time for the money to compound, and having a big shovel will help. So work can getting a big shovel.

  • @thethrill2877
    @thethrill2877 10 месяцев назад +8

    There is no interest paid in the stock market there is an annual compounded rate of return plus dividends

    • @bobthebuilderhecanbuildit
      @bobthebuilderhecanbuildit 10 месяцев назад

      interest is a pretty general term, its use is fine here

    • @thethrill2877
      @thethrill2877 10 месяцев назад

      @@bobthebuilderhecanbuildit not really interest is yours to keep you can’t lose interest earn . you can lose your annual compound rate any given time . If you want to say dividend are the same as interest then the dividend in a SNP fund is around 1.8% .

  • @robertgarvansnyder4665
    @robertgarvansnyder4665 6 месяцев назад +3

    10% return annually is a generous modeling assumption.

    • @leonhenry4861
      @leonhenry4861 5 месяцев назад +1

      Yeah I always go with 7%. It’s more realistic

  • @538457142
    @538457142 10 месяцев назад +2

    Logically works but how da hew can someone consistently hold on a 7% yearly return

  • @MateoLisanna
    @MateoLisanna 10 месяцев назад

    Love your videos !! ❤️

  • @workingbird
    @workingbird 10 месяцев назад +2

    Great video, solid points! Only issue I take is that real inflation felt by consumers has recently been far higher than 2%, so you may have to adjust your plans a bit if this trend continues 😅

  • @zksgarage
    @zksgarage 9 месяцев назад

    How do I buy these spreadsheets? Not showing up for me on ticker data

    • @Dividendology
      @Dividendology  9 месяцев назад

      IF you become a member of Tickerdata premium, you get access to it! Go to tickerdata.com click 'account' and click 'go to premium'!

  • @stevemiller1937
    @stevemiller1937 10 месяцев назад +7

    4k per month expenses?! I remember that... like 12 years ago!

  • @sunnycat8955
    @sunnycat8955 9 месяцев назад

    This just function with exakt these numbers. When you change the investment/year or the interest rate the way to 100k is not 25% of the time from 1kk. But nice to show the power of interest.

  • @samng3859
    @samng3859 3 месяца назад

    How about 1M to 10M? How long will it take?

  • @AbhishekShivkumar-ti6ru
    @AbhishekShivkumar-ti6ru 6 месяцев назад

    Is this sheet available for use somewhere? Thanks for the video..

    • @Dividendology
      @Dividendology  6 месяцев назад

      Yes! You can download all my sheets on Tickerdata.com !

  • @ralfbo685
    @ralfbo685 10 месяцев назад +2

    I dont believe inflation will stay at 2% annually.
    People's investments will not be able to keep up with a 10% annual inflation rate

  • @OzzyHamid-cl2fi
    @OzzyHamid-cl2fi 2 месяца назад

    How do you get 10% return on your money?

  • @UkuLeLeHeros
    @UkuLeLeHeros 5 месяцев назад

    where to get 10% annual investment? 😅

  • @freeze1305
    @freeze1305 9 месяцев назад +3

    An average of 10% rate of return is wildly incorrect. 7% is considered the high average IMO.

    • @slandshark
      @slandshark 9 месяцев назад

      There are a ton of mutual funds that have consistently hit above 10% average per year. Short term is more risky, but when you are talking 20, 30 years...that average is pretty realistic.

    • @jordanmadden7388
      @jordanmadden7388 9 месяцев назад

      7% is low. S&P averages ~12% a year. There is rate of return risk so you can’t necessarily bank on 12% but 10% is a fine number to use. Inflation could in theory be used to knock the realized rate of return down to ~7%. But you must remember that inflation is calculated for the masses and the inflation each person individually experiences can vary considerably. I.e, if your mortgage is the largest yearly expense for you while saving for retirement and you pay your house off before you retire, your cost of living will actually be deflated in retirement. This is also the case if you buy name brand stuff in your working years and store brand in retirement years etc. Just because everyone else’s cost of living goes up, doesn’t mean that yours has to.

  • @nikolaj781
    @nikolaj781 4 месяца назад

    also need to find a dividend company that will pay 10%. That's a lot, which means the risk is high. The sstocks of this company may become cheaper. You also need to make sure that the shares don't become cheaper

  • @Goofketeers
    @Goofketeers 9 месяцев назад

    How do I get those spreadsheets? I don’t see a patreon.

    • @Dividendology
      @Dividendology  9 месяцев назад

      You can download them on TickerData.com !

  • @ohkayw
    @ohkayw 9 месяцев назад

    Where can i get a spreadsheet or online chart like that to do hypothetical scenarios to mess with to see?

    • @Dividendology
      @Dividendology  9 месяцев назад

      Tickerdata.com !

    • @ohkayw
      @ohkayw 9 месяцев назад

      @@Dividendology any free one? 😝

  • @kanidanielpaul
    @kanidanielpaul 6 месяцев назад

    When people say 7% return from market, are they referring to 7% annual dividend? or a mixture of dividend and growth?
    Also if the return is based on growth, how does compounding work?

  • @BanksOwnUs
    @BanksOwnUs 5 месяцев назад

    I really think you need to up that inflation average. Double or maybe even triple it for a good estimation.

  • @frankrollins8171
    @frankrollins8171 9 месяцев назад

    so if i contribute $1000 a month instead of $100 itll take me 4 years instead of 40? or $2000 a month itll be 2 years?

  • @shaushai0000
    @shaushai0000 3 месяца назад

    can i get the table, you use to explain us

  • @miguelena40
    @miguelena40 9 месяцев назад

    question : when we buy shares from a company and this company have the expiration date already expired are we still getting the dividends ? or we got the dividends only when the expiration date still in effect ?

  • @ercanciftci1907
    @ercanciftci1907 5 месяцев назад +1

    This is not entirely true. Especially not for me.
    100k is definetly not 25% of the way to 1 million for everyone. This example takes into consideration that you give the snowball alot of time, and not that much money.
    Im in a lucky spot where i can invest 7000 USD a month, to reach FIRE. This is going extremely fast, and im almost at 200k. Once i reach 1 million, a bout 20-ish percent will come from compounding. Because i gave the snowball alot of money, and almost no time.
    So its a trade. Are you willing to wait 40 years to get a million, but invest a little each month, or are you willing to throw in absurd amounts of money?

  • @BrianWhoStacks
    @BrianWhoStacks 10 месяцев назад +2

    Thank you for this great video! Gives me a lot of motivation

  • @wasntmehonest94
    @wasntmehonest94 4 месяца назад

    Does it all have to be in one account? I have a cmc and vanguard account split roughly 50/50

    • @Dividendology
      @Dividendology  4 месяца назад

      nope! Nothing wrong with split accounts

  • @marktorres6703
    @marktorres6703 10 месяцев назад +2

    10k a year ....may be difficult for many

  • @williamkelley4724
    @williamkelley4724 9 месяцев назад

    the entire way we look at life and investing is more likely changing to unrecognizable in the coming years if we scale the trajectory, in what environment does the " snowball effect " work best?

  • @shutout951
    @shutout951 10 месяцев назад +1

    I like that you included the part about cost of living and living off dividends

  • @Bonez1999
    @Bonez1999 10 месяцев назад +1

    Interesting timing by Humphrey Yang's video that was released earlier today...............

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      I noticed that as well… 👀

  • @warbearin
    @warbearin 10 месяцев назад +1

    I recently did the same calculations, you should have one line that also shows the numbers after tax tho, so u dont get a suprise if u cash out.

    • @TheFirstRealChewy
      @TheFirstRealChewy 10 месяцев назад

      Good point. I simply assume that all income in retirement will be taxed as regular income even if that's not the case. I won't complain of I end up paying less in taxes due to the withdrawal strategy.

    • @ZeroToHeroInvesting
      @ZeroToHeroInvesting 10 месяцев назад

      i think he is looking to live purely off the dividends

  • @toopytalks9519
    @toopytalks9519 2 месяца назад

    Hi am at 103000 now and invest 6000 a year and making just over 8 percent return how much long to one million ? Thanks

  • @Cigar_Golfer
    @Cigar_Golfer 10 месяцев назад

    The cost of living only goes up if you rent. It would go down if you can pay off your home or remortgage at a lower cost over time.

  • @gobeyondlife83
    @gobeyondlife83 6 месяцев назад

    Can I access the dividend spreadsheet please?

  • @wolfgangklein5549
    @wolfgangklein5549 10 месяцев назад +4

    Congrats to YOUR 100k🤑😁😄👋👍

  • @citizenoftheyearCC
    @citizenoftheyearCC 10 месяцев назад +3

    Great visual explanation on the compounding - congrats on 100K subs, wonder if the same logic applies to 1M subs ;)

  • @robertoN2024
    @robertoN2024 10 месяцев назад

    However need to deduct tax for any capital gains .. Death and Taxes .. if that is considered we are good mostly for stock and Commodities, while bonds and long term interest bank deposit returns are different, although bank deposit rates are lower than other alternative investments these days.

  • @salto1994
    @salto1994 10 месяцев назад +1

    great video. joined the patreon for a year. would you have the name of said spreadsheet for me i can't seem to find it. thanks

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      Just released it on Patreon! It should be my most recent post. The title of the post is compound interest calculator!

  • @gobeyondlife83
    @gobeyondlife83 6 месяцев назад

    Love this. Super clarity.

  • @DJDonkeytron
    @DJDonkeytron 9 месяцев назад

    Bro Inflation @ 2% per year?? you wrote this in 2024 where was this 2% inflation the last 3-4yrs?

    • @Dividendology
      @Dividendology  9 месяцев назад +1

      it's a historical average. Not a representation of the past few years.

  • @ChangYu-wi4ez
    @ChangYu-wi4ez 4 месяца назад

    15 1/5 years is terribly long.
    Minimize expenses!!

  • @L6901Malice
    @L6901Malice 8 месяцев назад +1

    Been hearing this math for 20 years now, it's bullshit. 1 million dollars in 30 years will be nothing. Having 300k now is going to make me a cash millionaire before I'm 40

  • @herbertvonsauerkrautunterh2513
    @herbertvonsauerkrautunterh2513 10 месяцев назад

    What if you start with a lump sum of $50k or more?

    • @Dividendology
      @Dividendology  10 месяцев назад

      then it speeds up the process dramatically!

  • @gmnod
    @gmnod 10 месяцев назад

    When you search for a stock to buy do you need it to increase dividends every year? Or just good dividend growth over time but not necessarily increasing it every single year?

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      Ideally I’d like to see increases every year. I want to see sustainable consistency.

    • @gmnod
      @gmnod 10 месяцев назад

      Check HSY, I think you will like it

  • @NeilDonkin
    @NeilDonkin 9 месяцев назад

    Your video doesn't mention the impact of tax on interest and dividend income, which has a huge negative impact on compounding

  • @doc_holliday9280
    @doc_holliday9280 10 месяцев назад

    What if you started with 100k?

  • @TheExperimentalHomestead
    @TheExperimentalHomestead 10 месяцев назад +1

    I try my best with money its wild to see people in the comments say they invest over 5 figures yearly. Arent yall hurting the way im hurting with inflation? But i suppose with my own measly 30 dollar biweekly deposit, my 50% matching from work, and my DRIP program i actually do get close to 10k!!! Wow i feel like im one of the cool kids now. Now i just need my youtube to take off so i can do more!🎉

  • @Khanfuzed1
    @Khanfuzed1 4 месяца назад

    dont look at it with lost decade priced in

  • @faridaouni2225
    @faridaouni2225 10 месяцев назад

    At 59 years old with 100000 what kind of money invested getting in 10 years ?

  • @cyphernz
    @cyphernz 10 месяцев назад +2

    2% inflation i wish it was that low!

  • @stkbloc9717
    @stkbloc9717 10 месяцев назад

    Can you do a video on BST?

  • @phooongtion
    @phooongtion 9 месяцев назад

    Very nice. I'm a little over a quarter way there

  • @CbrF4i600cc
    @CbrF4i600cc 8 месяцев назад

    Lost half my 70k so far! Woot.. 40 yrs till i break even

  • @invertedv12powerhouse77
    @invertedv12powerhouse77 9 месяцев назад

    That's at 7%. There are ways to make that go higher. Hit 15% over 12 months this year but my portfolio is small haha.

  • @jbigtruss5301
    @jbigtruss5301 9 месяцев назад

    What are the best stocks to get 8% and dividends?

  • @amitray6614
    @amitray6614 10 месяцев назад

    Great analysis and insight. Thanks for showing how 100k can be 25% of 1m.

  • @ranvinderchahal2621
    @ranvinderchahal2621 10 месяцев назад +1

    Appreciate all your videos

  • @xz1144
    @xz1144 10 месяцев назад

    Could you create a video where u teach us how do portfolio projections and cost of living ?

  • @Khanfuzed1
    @Khanfuzed1 4 месяца назад

    your inflation data is an incorrect assumption… expected to be much higher over coming decades 3.3%-3.5% if things go well

  • @Shadowwind4
    @Shadowwind4 6 месяцев назад

    Can someone do that math if I invest 15k/year instead of 10k/year? I can afford to invest 15k/year how long will it take to hit 1million?

  • @Jakkaribik1
    @Jakkaribik1 6 месяцев назад

    Just doing growth now and in about 15 Years I am Able to do no work because renting and other things give a Income Stream but I Plan to work a bit Longer so the End Results are better in my Favor then maby I quit =?

  • @Lone-Wolf-Rips
    @Lone-Wolf-Rips 9 месяцев назад

    100k in total portfolio?

  • @shanefelix4231
    @shanefelix4231 9 месяцев назад

    Yep all I need to do is hit 1 +1000 parlay

  • @johnlopez4089
    @johnlopez4089 6 месяцев назад

    Great video 👍👍

  • @diegocontreras3173
    @diegocontreras3173 10 месяцев назад +3

    Slow ppl seeing the title and immediately commenting 😂🤦‍♂️

  • @malekhakim
    @malekhakim 10 месяцев назад +8

    My portfolio is doing -7% rate of return annually 😂

    • @franko8572
      @franko8572 10 месяцев назад +8

      What the heck are you invested in?

    • @randymillhouse791
      @randymillhouse791 10 месяцев назад

      @@franko8572 Trump.

    • @afridgetoofar1818
      @afridgetoofar1818 10 месяцев назад +2

      You’re doing something massively wrong.

  • @sandeepnerli
    @sandeepnerli 10 месяцев назад +1

    Fantastic content. One disclaimer you can add is "Dividends are not free and are not permanent source of income, they maybe cut anytime depending on the companies financials and health. They are also double taxed, dividends are handed out after tax profits from company (from FCF) and taxed on your income again at 15-20% whatever with qualified dividends"

    • @Dividendology
      @Dividendology  10 месяцев назад +1

      Thanks! Taxes vary depending on a lot of things such as location, income, qualified vs unqualified dividends, whether or not you are using a tax deferred retirement account, among other factors. In some instances dividend investing is actually far more tax friendly than other strategies. And to your first point, that’s why it’s so important to buy quality companies that grow free cash flow per share year over year.

  • @sherwinh1661
    @sherwinh1661 10 месяцев назад

    i have 100k. now where do i find a 7% interest product? please help

  • @nillawafers7025
    @nillawafers7025 10 месяцев назад

    Trick here is 7% interest rate, what has been consistent over the past 10+ years with a 7%+? Say I have $100,000 right now to drop into the market, where would this person go?

    • @David-fu4pg
      @David-fu4pg 10 месяцев назад +1

      Total contributions since 2018 into retirement accounts = $185,000. Total balance of the accounts today is $255,000. Simplified RoI for this time frame = 37.22%. Vanguard VFIAX which replicates the S&P 500.

    • @jordanmadden7388
      @jordanmadden7388 9 месяцев назад +2

      S&P 500 Index Funds (like SPY) have averaged ~11% over the past decade. This is what most retail long term investors invest in. Single stocks is not really investing for most people. It is gambling.

  • @behonestwithyourself3718
    @behonestwithyourself3718 10 месяцев назад

    The real key is to start early. The other problem most people are paycheck to paycheck which makes it tough.

  • @sysirie133
    @sysirie133 7 месяцев назад

    Great videos bro you motivated me to upload more cash in my Roth IRA every week 😎

  • @ibrahimseth8646
    @ibrahimseth8646 10 месяцев назад

    Knowledge of compounding.
    Payout(30 Year)=1,000,000
    Premium