Retirement Goals: How Specific Do You Want Them?
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Do you have specific retirement goals, or does the idea of making a list of goals make you a little bit uneasy? You've probably heard that you can't accomplish anything unless you make a goal to accomplish it, and one of the biggest milestones in your life might be when you can stop working for pay, but I'd like to challenge the traditional view of goal setting and say that it might be okay if you don't have a laundry list of ideas on what you're going to do with your time in retirement, and this has a profound impact on how you design your life and the direction you head for retirement, so if we think about your first 20 years in retirement, those might be the most active years when you're able to do the most…
Those could consist of 7300 days or more than that, if you have good health. And so the question is, what will you do with that time? Now, we certainly want to have some ideas so that you hit the ground running and you're not just retiring from work, but if you think about the things that you enjoy most, like Maybe that's sitting on the beach and reading the book, is that something that you really want to do that many times, or perhaps, do we want to make sure that you have the resources to have some options and perhaps go through different chapters in retirement? Not knowing exactly what you'll do with every day is okay, because it can cause you to delay your planning if you work too hard on figuring out exactly what you're going to do with your time, so if we just make some intelligent guesses about how you're going to spend your time, think about taxes and inflation and healthcare costs and factor all of that in…
For most clients, I think that's a decent way to get started on your retirement planning, this line of thinking is backed by the so called "End of History Illusion," and that explains just how bad we are at predicting who our future selves will be. So predicting the future is always hard, we know that as investors, but it's also hard to predict what our personality traits and our values and our preferences might look like, let's say 10 years ahead of time, if those things change, then the way you want to spend your time and your resources could very well also change, so one way to think about this is to look back 10 years and saying, What was most important to you at that time? What did you like, what types of music…
Food, people to hang out with, all of those sorts of things? And has that changed over the last 10 years? And it might have changed for a variety of reasons, but the fact is that it probably did change in ways that you couldn't have anticipated 10 years ago, and that could very well continue. Now, it is true, and this is based on the research, that the older we get, the less those changes might be, they might be less severe, but the fact is we are likely to still experience some changes, in fact, as you get into a retirement or a financial independence stage of life, you can experience a lot of change, you might not have financial struggles, which gives you a different perspective on life, you might have kids that are out of the house, if you had kids, or grandkids entering the picture, that sort of thing can certainly change your view of the world. So a lot of change can still happen later in life, and sometimes to a surprising degree, a major consequence of the end of history illusion is that we tend to double down on our current version of ourself, so that can be good if you're very clear on what you like, but again, it's hard to predict, and so you might end up sending yourself down a path or pigeon holing certain aspects of your life, you might miss out on other rich experiences in life that you currently aren't really even aware of, so a cliche for retirement is that you're going to play golf every day or something like that, and of course, 7300 days in your first 20 years, that could potentially get old, and that applies to pretty much anything else, I don't play golf, but whatever it is you might enjoy doing today…
Let's think about how you might possibly evolve, and plus our bodies might change in ways that we aren't doing the exact same things in the future. I want to encourage you to explore the possibility of having some loosely held retirement goals or possibly no retirement goals at all, and not very specific, of course, we want you to be financially independent, and that probably means not working forever, so there are certainly some directions we want to head in, but as far as nailing down a list of things, maybe we can be a bit slower and gentler in terms of trying to name exactly what retirement is going to look like for us.
So let's look at how some other people have talked about this problem, Carl Richards used to do the sketches on the napkins for The New York Times, he's a former financial advisor, and he talks about this a lot, and it's kind of consistent with what my experience is with clients where you might ask people, What are your goals in retirement, what do you want to do, and sometimes they just don't really know, they know that they don't want to work forever, they have a decent idea of what level of income might make them comfortable, but they're not really sure how to answer the question, and Carl would point out that at that point, sometimes people just say what they think they should say, so they say, I want to be free to do whatever I want, when I want. Or they might say, I want to travel, that's what people want to do in retirement, right? Or they might say they want to spend time with loved ones, and there's nothing wrong with any of those goals, those are all great, but we want to be specific about what exactly they mean so what is travel? What does it mean to spend time with loved ones and why couldn't that happen right now, what are the specific differences that would make it a reality? And once you start doing that, it can feel like you're starting to force things.
Sometimes. I've also heard Carl refer to Pema Chodron's excellent book, When Things Fall Apart multiple times, and the gist of that book is that the ground is constantly shifting beneath us, and it's really hard to predict with any certainty what's going to happen, and grasping for certainty can be a recipe for suffering, so if we can acknowledge that we have some preferences and some directions to head in, but if things don't work out exactly that way, that's exactly what we should expect out of life, so that's a pretty big over simplification. And I'm not sure the book even contains the word goals, but it's a pretty quick read and you can check it out if you haven't seen it before, there's also a lot of information out there about not having goals and some of the benefits of that, and some of the pitfalls of making goals, and you can search online for how that might apply to you because it can be situation or person specific, but the important thing to remember is that not having goals doesn't mean that you don't do anything.
It doesn't mean that you don't have any desires or that you can't make your life for the world better, it just means that you haven't written down specific goals that you're going to try to pursue… By the way, I'm Justin Pritchard and I help people plan for retirement and invest for the future, so I'm going to have some links to some of the things we look at here today down in the description, as well as some general retirement planning information. This is more of the nuts and bolts in terms of figuring out taxes and Social Security and spending and income and that sort of thing, there will be some good resources for that, and I think you'll find that very helpful. By the way, if you are finding this interesting, please leave a quick thumbs up. That's a signal to me to keep talking about these types of topics. I will also link to an article by Maggie Zhou, which discusses anti goals, and this is the idea of maybe figuring out what you don't want in your life anymore instead of all of the things you do when it comes to retirement planning.
Those might be things like, I never want to drive in rush hour again, or I don't want to ever feel stressed about what medical bills I'm going to pay, I want to make it really easy to spend time with my loved ones, whether that's making it affordable or not, having to go through too many airports or whatever the case may be, by eliminating the things that don't necessarily add to your life, you may be able to leave a room for the things that do add to your life. However, we don't want to forget that End of History illusion, so if you are thinking, These are things I really don't want in my life, it may be the case that later in life you would tolerate them and really enjoy them, they might add to your life, so by ruling things out entirely that could potentially come back to haunt you, we just want to be careful about predicting exactly who we will be, what we want, what we prefer, what we value in the future.
All that said, we probably do want to have some vision for how you're going to enjoy yourself in retirement, there are some studies to suggest that leaving work can potentially lead to some mental and physical health declines, but there's no guarantee that will happen to you, that said, there are some significant changes that happen when you stop working, so you lose the structure of going to work, the schedule, sometimes that can be helpful, you might lose the identity of being a whatever it is you used to do for work, for some people that's valuable, you might lose a lot of social interaction.
So the time you spent talking to co workers, colleagues, customers, etcetera, that can possibly cause you to have a lot less social interaction, which can be problematic, even physical activity for office workers, even there may be a lot less… Just walking back and forth, up and down the stairs. Your walk after lunch with a co worker, that sort of thing goes away and you risk having some physical health impact, ultimately you end up with fewer required challenges that might keep your mind sharp as you have to overcome different challenges at work, and you also lose the accolades or the recognition that you might have grown to appreciate over the years, maybe you value that, maybe you don't, in general, ultimately you can lose some sense of purpose as you stop working, and for many people, I know, they're going to say, my work is not my purpose, and that's great, but for some people, it has a surprising place in your psyche, so just keep that in mind.
The good news is that you can offset those effects, so whether you're taking classes or volunteering or working on different projects or something else, you can really offset those mental and physical effects of stopping work, so I know of a woman who coordinates volunteer opportunities for retirees, and the way she explains it is this helps them to get out of the house and maybe stop thinking about their health issues, these are ways to keep them engaged, and it might not even feel like work for them, they're doing things for non profits where they just need to have a responsible adult keeping an eye on things, that type of thing, and it really is good for everybody, it's good for the community, and it's good for the individual.
So please make sure that whatever it is, you have a way to have that purpose in your life. And so if you want to set some goals that's fantastic, just hold them with a loose hand knowing that things might evolve, and if you don't have a lot of specific goals, that could be Okay. So I hope you found this helpful. If you did, please leave a quick thumbs up, thank you and take care..
Read More10 Principles of Building Wealth
Jason 0 Comments Retire Wealthy
Most of us don’t think about money other than
what we’re spending on and selling. But did you know there’s more to money than just that?
Unfortunately, so many of us have not been told about the secrets of money. There’s
a reason the 1% are at the level they are: they know the secrets and they follow the
rules. If you want to be a part of their clan, here are some wealth building
principles that you can follow too.
1. Invest in appreciating assets
I know you’re wondering what appreciating assets are. Well, they’re assets that increase in
value with time. This includes the stock market, bonds, and real estate. While most may be stacking
up on liabilities, people who understand money are purchasing appreciating assets.
If you have
a fully functioning phone but decide to buy the latest iPhone because, you know, why not?
This could be seen as a liability. Similarly, if you are constantly loaning luxury cars,
bags or clothes, you are also burdening yourself with liabilities. If you would like
to build wealth, you need to know that your accumulated wealth is dependent upon what
you do with your money. The idea is simple, if you buy an asset at a certain price, over time,
it appreciates in value and before you know it, you’ll have something worth more than what you
paid for. Since appreciating assets work through the power of compound interest, they don’t just
build linearly but instead build exponentially. This means that if you invest $1,000 with a
10% interest, the next year you’ll be starting at a base point of $1,100 and earning the 10%
interest on that! As exciting as that sounds, investing your money always comes with the risk of
losing it. However, it’s better to risk it and get a possible rise in value rather than purchasing
liabilities with a sure decrease in value.
2.
Avoid conspicuous consumption
As much as we may get the urge to fulfill our desires, nobody ever spent their way
to financial freedom. Every day we’re faced with the choice of deciding whether to give in to the
consumption temptation today or be patient and enjoy wealth tomorrow. Although tomorrow is never
guaranteed, wouldn’t it be better to take the risk of preparing for it rather than it finding you
off guard? Let’s say you saw an advert about a vacation deal or a discounted membership at the
gold club, all these sound really great but may result in a dent in your pockets. Like Frank
Herbert said, “Seek freedom and become captive of your desires, seek discipline, and find
your liberty.” The choice is yours to make. Consumerism causes your limited resources to be
directed toward lifestyle and away from building wealth.
If keen enough, you’ll notice that wealth
builders live modestly by spending less than they can afford (in money, time, and energy). They do
this to invest the difference for greater value in the future. The reality of wealth is that it’s
a form of delayed gratification. So if a flashy lifestyle is your aim, then consumption becomes
a priority which makes wealth eternally elusive!
3. Apply leverage to build wealth
When you have leverage, you have the tools to build wealth.
You won't get wealthy by trading
time for money, and you can't do it all yourself. You can’t work like a donkey and expect to land
on wealth. Leverage means you work smarter, not harder. The beauty of this is that it
comes in various forms, have a look at these: a) Financial Leverage: This means that you can
choose to invest and use other people’s money without having to risk money from your pocket.
b) Time Leverage: Involve other people instead of exhausting the 24hrs you get in a day.
c) Technology Leverage: Using other people’s equipment to increase output.
d) Marketing Leverage: When you involve other channels, the reach is more
comprehensive than a one-on-one approach. e) Network Leverage: Using other
people’s connections and approaches to expand beyond your own.
f) Knowledge Leverage: Utilize other people's talents, expertise,
and experience that you may not possess.
As you can see, leverage allows you to build
more wealth than you could ever achieve alone by utilizing resources that extend beyond your
own! If you aren't using leverage, then you're working harder than you should only to end up
with less than you deserve.
And if being wealthy is your goal, using leverage is your best bet!
4. Detach yourself from things you don’t need
Remember we talked about liabilities earlier
on? Well, they’re mostly what you need to detach yourself from. These are material things
that may offer you temporary joy but, in return, mess with your financial prosperity. I mean,
there’s no need of paying hefty car insurance on a luxurious car when you’re struggling to make
ends meet. Letting go of certain liabilities will save you a lot in the long run. This doesn’t
mean you live like a miser. No. Instead, be frugal with your expenditure.
Understand what
makes you happy and enjoy it in moderation. It is a matter of reevaluating priorities. For
example, instead of paying for cable TV, opt-in for a streaming service instead that
costs way less. Liabilities are the reason why you work so hard but don’t feel any richer
with it. They give short-term satisfaction but keep you from reaching your long-term goals. The
best way to avoid getting things you do not need is to create a budget that works for you. A
great budget helps keep your liabilities in check and save you from the terror that is debt.
And if you’re interested, you can download my free budgeting guide using the
link in the descriptions.
5. Identifying Common Money Pitfalls
All of us might, at some point, have fallen into the hands of consumerism.
We are often surrounded
by businesses telling us why it would be great to give them money in exchange for something.
However, as you give them this money, you are giving it away with no monetary benefit, all the
while, they are garnering profits from your cash. Society is designed for you to spend as much as
possible yet provide a pinhole of opportunities for you to gain wealth. Don’t believe it? Why
is it that in school, we’re always taught how to work hard and secure a good job instead of
how to actually generate wealth and make money? We’re not taught how money works. One of the
major misconceptions that hold people back from achieving their financial potential is the idea
they need to trade their time for money. Why? The system requires a majority of us to remain in this
money slavery trade. Although landing a good job may sound like a good fix, the problem is that an
increased salary does you no good if you increase your expenses at the same rate! Also, many find
themselves blinded by student loans, credit cards, and car loans that are all tied to interest rates.
If you’re not careful, large balances can cripple your finances for decades.
Try to understand
how interest works before committing to any form of monetary aid or cushioning.
6. Know where your money is going
Every penny matters and if you don’t believe
it, try working on a no-budget and see how bad your debt situation will be. Applying this basic
principle requires you to sit down and review your spending habits. Something small such as looking
at your bills instead of stashing or throwing them away will help you understand every item
on your bill. Any form of fun or recreational spending should come after you’ve cleared your
bills and funded your retirement and investment accounts. You might be shocked at how much
you’re throwing away by giving into guilty pleasures.
Understanding every single cost will
also enable you to understand how to best manage your money. If things are bad, you might come to
find that you cannot afford to enjoy a latte every morning or daily lunch takeouts. You might also
come across some monthly subscriptions that you may have forgotten. At this point of awareness,
you’ll be able to understand the dynamics at play, telling you how much everything costs
and if you actually need them or not.
7. Automate, automate, automate!
Sometimes it’s just simply hard to keep up with the numbers and so, a hands-off approach
is necessary, especially when it comes to money. A good example is how your employer automatically
makes your retirement contributions.
You simply don’t have to worry about missing out on a payment
once it’s set up. So imagine automatically paying for those credit card bills or sending money
into savings from your checking account, all thanks to automation. Not everyone has
the discipline to keep tabs on everything, especially when it comes to paying bills.
Automation saves us the pain of being charged late fees or unwanted interests. You wouldn't
build a business without a proper business plan, so why should you compromise on building your
wealth? Design your wealth plan based on proven business principles that lead to success. These
principles include accurate record-keeping and accountability, just to mention a few.
8.
Be courageous It’s human nature to be cautious when venturing
independently simply because we are social beings. However, wealth doesn’t come by following the
crowd. It requires you to be an independent thinker and take the risk others chickened out
from. To put it in layman’s language, wealth will come from doing what others won’t, so you can
have what others never will. What you’ll need is courage. It takes courage to be a self-starter
and be self-responsible. With courage, you can walk new paths and develop new skills. If you
wish to stand out from the crowd, you need to be courageous enough to put in the extra effort when
others don't.
Make financial freedom your number one goal, and you will find that every other
voice trying to discourage you is muted. Remember, it takes courage to build wealth. It has little to
do with money and more with wanting to achieve a goal, so much that you make it your top priority.
9. Actively boost your income
Don’t be comfortable with a basic salary. Even
the average millionaire has more than one stream of income. If you want to begin building wealth
in your life and for future generations, then it is time to place a higher value on wealth creation
in your life and get organized with your money. I mean, why would you be given more money to manage
if you can’t manage what you’ve got? If we were to look into your wallet or purse, would you say
the bills in there are well organized? If not, then you need to first plan and work with what you
have as you you’re your horizons to more ventures. Look into avenues that can generate some
passive income since a hands-on approach could lead to burnout.
You could also learn new
skills and work on building wealth around that in your spare time.
10. Be disciplined
I can’t stress this enough. Wealth is the
cumulative result of many little things added together and compounded over a lifetime.
Your daily habits will either make you or break you if you want to be successful. Most of us
are victims of the number one success killer: procrastination. You must begin the right
habits today without delay, and this requires discipline. With discipline, you overcome
procrastination by starting today and persisting tomorrow. The harsh truth is that there’s
no substitute for action. You either do it, or you don’t. What you’ll be left with are simply
excuses.
Don’t let anyone fool you, wealth happens because you do what it takes to make it happen.
Well folks, thank you so much for watching and subscribing if you haven’t. With that said,
have a great day, and see you in the next one..
Part 2: The retirement journey
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Hello,
and welcome to the retirement journey. While retirement means
different things to different people, it's a time of change for everyone. There are several things
to consider when planning for retirement. Whether retirement is just
around the corner, or years away, we're here to answer your questions and provide information to help
you make informed decisions. We can help you
prepare for tomorrow, today. Let's meet Mary who
is thinking about retiring. She has been thinking
about retiring at age 60 but is also curious about
what her pension will be like if she retires earlier. Many of you may also be wondering
about how retiring at different ages will impact your pension. To understand your options at retirement you can contact our Member Services team to see what your pension
would look like at different ages.
In addition to contacting
HOOPP to discuss your options, you also have the capability to run your
own pension estimates on HOOPP Connect. HOOPP Connect
is your secure member site, where you can connect with your
pension or with us at your convenience, from the comfort of your home. After you have logged onto HOOPP Connect, the first screen that you'll
see is your Dashboard, which contains key pension information. You can use this page to navigate
to the different areas of the site, including the Pension Estimator. From this page, Mary scrolls down
and selects Estimate your pension so she can she what
her pension could look like if she were to retire at different ages. Clicking on the Pension Estimator tile, takes you to the tool
where you can project your pension using the information
that HOOPP has on file for you.
Upon landing on the page, the site typically displays
your earliest retirement date, your earliest unreduced retirement date and your normal retirement date. These projections will also include
estimates of Canada Pension Plan and Old Age Security benefits to give you a more fulsome
retirement financial picture. You can use the Pension Estimator
to project your pension using different assumptions such as: future salary increases, or choosing to work
different FT or PT hours. You can choose up to three different
retirement dates at the same time for a side by side
comparison of the results. By clicking on the "show details" link
on the bottom of the screen, you can view the assumptions
being used for your estimates. This is helpful, since we know
that the pension calculation uses both your years
of contributory service and your average annualized earnings. The chart will display both your
monthly HOOPP lifetime pension and bridge pension amounts. The lifetime pension is payable
on the first of every month for your entire lifetime.
The Bridge benefit
is an additional monthly pension payable to members
who retire prior to age 65. The Bridge pension will stop at age 65 when you are eligible to begin receiving your unreduced Canada Pension Plan
and Old Age Security benefits. It's important to note
that the Bridge benefit from HOOPP continues to be paid until age 65, even if you decide to start
to collect your CPP early. There is no impact
to your HOOPP pension when you begin to collect
government benefits. If you have a spouse,
you can also view what the different spousal
benefit options could look like. If you don't have a spouse, you will see
the estimated pension amount payable to your beneficiary
should you pass away. We will be talking
about survivor benefits more in depth in the next
video in this series entitled "Getting the most
out of your HOOPP Pension".
After Mary has explored her options
either through speaking with HOOPP or by using the various tools, has run her scenarios
and reviewed her results, she has a much clearer picture
of what her retirement would look like if she retired now, at age 55, or waits until age 60. For Mary,
retiring at age 60 makes the most sense based on her personal situation. Now, let's consider the total value
Mary may receive from HOOPP. Assuming she retires at age 60, and lives for 21 years
in retirement, she'll receive a total
of $915,000 from HOOPP in return for her total
contributions of $150,000. That's more than 6 times
her contributions! Most importantly,
Mary won't outlive her HOOPP pension. She has the peace of mind
knowing that she will receive regular pension payments
for the rest of her life. And this doesn't include
any cost of living adjustments she may be entitled
to receive in retirement.
When planning for your retirement,
CPP and OAS are an important component and should be included
in your retirement plan. We will now briefly look at the role these
benefits typically play in retirement. You may have noticed that we do include
estimates of these government benefits on HOOPP Connect pension estimates. As mentioned earlier in this video, these are included to provide you with a more fulsome
retirement financial picture, and are not the actual amounts
that you will receive from CPP and OAS. These estimates using
the average benefit payable are very general and are
only for information purposes. Your personal amount will vary and will
be based on your personal circumstances. For personalized CPP and OAS information, you can create a My Service Canada Account by accessing the online services
of the Service Canada website and entering your Employment Insurance
Access Code or a Personal Access Code. For more detailed information
about your CPP and OAS benefits, please contact Service Canada. The standard age for beginning to receive
your Canada Pension Plan (CPP) pension is the month
after your 65th birthday.
However, you can take
a reduced pension as early as age 60 or begin receiving
an increased pension after age 65. The amount of your pension
will depend on how much and for how long you have contributed and on your age when
you want your pension to start. Please note that the CPP
benefit amounts shown on the slide represent the current maximum
amount paid at age 60 and 65. To qualify for the maximum CPP, an individual must generally
have contributed on actual earnings equal to the YMPE for at least 39 years and begin receiving
payments at age 65 or later.
If you are under age 65 and you work while receiving
your CPP retirement pension, you will have to make
mandatory CPP contributions. These contributions go towards
the new Post-Retirement Benefit (PRB), which is effective January 1 of the year
following your PRB contribution. This additional benefit will be
added to your current retirement benefit, gradually increasing
your retirement income. If you are age 65 to 70 and you work while receiving
your CPP retirement pension, you can either choose to make
CPP contributions or you can opt out. These contributions
will allow you to continue and build your CPP
Post-Retirement Benefit, even if you are already receiving
the maximum CPP pension amount. The OAS pension is a monthly benefit
available to seniors aged 65 and older who meet the Canadian legal
status and residence requirements. To be eligible for an OAS pension, you must: be 65 years of age or older; be a Canadian citizen or legal / permanent
resident of Canada or landed immigrant when your pension
application is approved; and have lived in Canada for
at least 10 years since the age of 18. The OAS program is funded by the general
revenues of the Government of Canada.
This means
that no one pays into it directly. You can receive its benefits even
if you have not worked in Canada. The payment amount for
the Old Age Security pension (OAS) is determined by how long you have
lived in Canada after the age of 18. The maximum monthly
benefit at the beginning of 2021 is $615 per month. However, anyone with less than 40 years
of Canadian residency at retirement will receive a reduced OAS benefit. This benefit is considered taxable income
and is subject to a recovery tax if your individual net annual income
from all possible sources is higher than the identified threshold. If your income in 2020
was above $77,580, part, or the entire OAS pension will be subject to a monthly
recovery tax depending on your income. For more information on how
to prepare for your retirement journey, please contact HOOPP member
services or visit our website..
Gold IRA – Gold IRA Investing and Gold Backed IRA
Jason 0 Comments Retire Wealthy Retirement Planning
Gold IRA – Today, more and more American's are taking advantage of the Gold IRA Rollover. The Gold IRA Rollover is a simple processthat allows you to diversify any portion of your retirement portfolio — existing IRAs or former 401Ks from a previous employer- by owning physical gold and other precious metals within your retirement plan. Gold IRAThe Gold IRA Rollover is an IRS-approvedprocess and is 100% tax-free and hassle- free. Gold IRA accounts function in the same exact capacity as your current IRA accounts, onlyinstead of holding paper assets you will nowbe able to hold physical gold and silver coins or bars. Your precious metals will be kept in an IRS- approved depository until you reachretirement; you will then be able to have them shipped to you directly, or they can be sold for cash at anytime. This transaction is ideal for clients who currently own a Traditional, Roth, SEP, or SIMPLE IRA account. Other types of accounts that could also be eligible for the Gold IRA Rollover are: • 401k, 403b or 457 Deferred Compensation Plan • Pension Plans • Thrift Savings Plans • TIAA CREF • Non-prototype IRA • Beneficiary IRA Regal Assets is an industry leader and has a highly developed and comprehensive Gold IRA Rollover Department that handles the entire process for you.
We have assisted thousands of clients to walk through the simple, secure, safe Gold IRA Rollover process, 100% hassle-free. Gold is a proven safe haven and we believeprecious metals will effectively protect your retirement accounts and reduce yourexposure to the volatility of the stock market and weakening dollar. Jim Rogers: 69 year old investor with a net worth of $300 million "Gold will be the great investment over the next decade." Jim Rogers, March 2011 STOP PROCRASTINATING!STOPPROCRASTINATING! FREE CLICK HERE for a Free Gold IRA Investment Kit gold ira, gold ira investing, gold ira investment, buy gold ira gold price
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The Untold Truth About Money: How to Build Wealth From Nothing.
Jason 0 Comments Retire Wealthy
Let this circle represent $1,000,000 This is what ten million dollars would look like This is what one hundred million dollars would look like and this is what 1 billion dollars would look like Jeff Bezos the founder of Amazon has a net worth of 117 times this number and then There's you You're probably working a job right now one that you got from the degree that you studied for in university you probably don't have much in savings your living expenses seem Ridiculously high you feel as though you're not paid enough You have credit card debt that needs taking care of maybe your student Studying for a degree that you ho can and your job that you hope can bring some good money You probably don't have any savings only a pesky student debt hanging above your head wealth getting rich That all seems like a distant dream.
How did they do it you ask yourself seeing all those millionaires billionaires Especially the ones who got there at such a young age It baffles you it makes you angry they got lucky they were born into well They cheated their way to that money doesn't make them honey as evil and you're not smart And I'm just unlucky those dreams you had of buying that mansion your favorite sports car paying off your mortgage traveling around the world They'll forever remain that way just dreams Nothing more nothing less. You come to the harsh realization. It's a rigged game It's been a rigged game from the start in you You're on the losing side of it But what if I told you you were wrong What if there was a way of getting there an actual equation to wealth a science behind the way money works What if you didn't have to abandon those dreams of paying off your parent's mortgage or traveling around the world? Would you call me a liar for saying so I promise that I'm not and by the end of this video? You'll understand there's a side to the coin that you're not being shown but I warn you the road is tough It's filled with struggle.
It's filled with ups and downs It will need swallowing some difficult roofs of the school system and society Haven't told you yet and let me be clear There are many of you who will not make it to the end of this road But for those of you that do at the end of this road lies wealth beyond what you thought you could attain at the end Of that road lies the freedom of never having to worry about money again so Are you with me? Still with me then let's not waste any more time What do you really think about money is this something you work for is it earned or is it inherited? Is it the root cause of all evil? Are you desperate to have more of it? Have you been chasing it? most of your life truth is most of what you think about money has been influenced by your upbringing and environment if you were born into a family that didn't have much money growing up then you're more inclined to believe that YouTube will not Grow up to have much money or perhaps you went on the complete opposite end and decided to make as much money as you can so that you will never be In that position again the fact that your school didn't teach you much about this subject Doesn't help things and because of this most of you are going to have false beliefs about money that aren't going to help you on This journey now stick with me here because we're gonna have to change the way you've been seeing money your whole life Hollywood has always had a habit of depicting the wealthy and rich as evil backstabbing entitled or corrupt individuals Question is have you bought into that stereotype a Recent report released by Wealth X showed that of the world's ultra wealthy those that had a net worth of 30 million or more 68 percent of them were self-made and it seems like every other study backs up this conclusion Warren Buffett self-made billionaire Howard Schultz born in poverty Oprah Winfrey born in poverty Jeff Bezos self-made billionaire Elon Musk self-made billionaire Sara Blakely self-made billionaire What is it that these people know that you'd on truth is your equation is all wrong here's the 2-dimensional equation that you've been taught money equals salary earned from a job past a certain point the prospect of getting a job Becomes the sole purpose of your education.
So what's wrong with that you ask? I'm gonna assume that if you're watching this you want to make money a lot of it and in a short amount of time as Possible if that is your goal. Then this equation for generating money will never get you there We all have a precious resource the most important resource for Hall And once it's gone There's no way of getting it back that resource is time in a standard job the amount of money you burn is Dependent on the amount of time you put into that job if you earned $20 an hour and worked 40 hours a week It would take you nearly 24 years to reach a total of 1 million dollars But that is without subtracting any taxes or any expenses that you will incur over 24 years and let's not forget that Inflation would make your 1 million dollars less valuable the reality.
Is that on a salary of $20 an hour? You can only really be a millionaire at an old age by living frugally and most of that precious Resource known as time has slipped through your fingers. You traded all that time for money and it wasn't even a substantial amount either So again you ask yourself. How is it then that there are self-made millionaires and billionaires that such young ages what makes them so different and the truth is They have a better equation than you they have a way of understanding money that you haven't quite grasped the earth Pay very close attention now stop chasing money in a capitalist society The rules of the game are as follows You are paid in proportion to the perceived value that you have and the people that perceive your value they are the market the Consumers of the economy the market is you your friends your family your neighbors Your country people complain that football players are overpaid, but for players to be paid millions There has to be a market for the football industry in the first place People have to see the value in football in the first place for them to want to spend money on matches and merchandise and if the market is a high demand for football Guess what happens to the players who are at the top of their game? They are paid generously for it It's not about how hard you work the cleaner that sweating and tiring himself out every day is paid far less than the accountant sitting behind a desk Why? because the market perceives the value of what the cleaner does to be far less than the accountant as harsh as it may sound the Cleaner can be replaced by anybody.
It isn't difficult to learn how to do his job And therefore the market will not pay him more than the accountant the guy who spent years studying numbers The guy who has saved his clients thousands on their taxes But even so we just discussed how getting a job is in the right equation to amassing a great amount of wealth in a shorter Period of time so then how can we increase or perceived value? What is it about people like Elon Musk or Jeff Bezos? That makes their perceived value so high the first step to this equation of wealth is quite simple if you want money solve problems if you take a second to digest this statement you Realize that just about all money runs from this basic premise if it solves a problem Money will be thrown at it If it's a million-dollar problem, then the solution will make you Millions If it's a billion dollar problem Then the solution will make you billions think about all the problems that our site like Amazon solves the hassle of going to a store that hassle of having to wait weeks for a delivery cheaper prices and so on not to Mention all the other companies that Amazon bones and the problems that those companies solve Jeff Bezos helped solve a billion-dollar problem and also awarded favorably for doing so If you've been chasing money, then you've been doing it all wrong It sounds almost paradoxical but if you want money It isn't money that you should be looking for you should be looking for problems and more importantly Solutions to those problems and once you found that solution make a business around it Wait, so that's it Just solve problems and money will appear so I'm gonna have to create the next Amazon for me to be rich or the next Facebook Or Google you've got to be kidding me, right? I don't even know how to code I don't even have the money to start something of that scale I don't even hold on your wants more going into old patterns of thinking start with a problem always start with a problem Listen to the market around you What are people saying they don't like? What are people saying they wish existed? What are people saying frustrates them? What do people think is incredibly inconvenient? Is that a problem that you can solve and also is a problem that is worth solving The final step of this equation to wealth is finding a scalable solution to the problem your solution needs to affect a Magnitude of people starring a restaurant that's not scalable You're constrained to the local area and the footfall of that area but a franchise now, that's more scalable Is your solution a piece of software then that means once that software has been built you can scale it Infinitely online without needing to worry about things like production or shipping costs as it's all done virtually Good luck finding infinite scale with a job, but be careful does your solution require your time to generate money Let's say you were a yoga teacher that charged $100 per hour Congratulations, you only made yourself another job disguised as a business There's only a certain amount of lessons that you can feasibly do in one day And therefore your income is time-bound, but if you created an online yoga class that ran 24/7 with lessons you only had to create once now that is scaleable scaling your solution is critical here So do not get lost on this point automation also plays an important role systems and processes will keep your business running like a smooth machine if Implemented properly if there is something in your business that you can outsource to somebody else or hire an employee to do it for you Assuming it financially makes sense for you to do So then do it tasking yourself with everything is a bad thing as much as you may think you're the best There's someone out there that can do a better job than you once you've found a solution It's your job to make sure that solution can be accessed by everyone in your market It's not about your ego and it's not about what you're passionate about.
The market doesn't care about your passions So now that you have your profitable business running with the right systems and processes in place It's time to move on and reap what you sow There are two likely paths you're going to face at this point you either Continue your business or cash in and seller This is the acquisition the moment someone buys the solution that you spent years building a business around This is Instagram being acquired by Facebook for 1 billion. This is PayPal being sold to eBay for 1.5 billion of which 165 million went straight to Elon Musk's pocket and the countless other liquidation events that happen across the world This is where all the effort that you spend into building. Your company comes to fruition And if you choose to continue running your business, well, there's a multitude of reasons for you wanting to do So maybe you love the company that you built will want to stick with your baby Maybe you think you can add more value to the company and sell it down the line for more than it's currently worth Perhaps that business runs passively in the background so you don't have to do much to keep the wheels turning Or maybe it's a combination of these three things.
Either way you did it You solved a problem that the market wanted solving and it were awarded you favorably for doing so and so now I ask you what? Was it all for anyway? For most of you it was never about the money Money is just a piece of paper a number on a screen Its value is only backed up by our belief in its value From the very start this was never about the money Paying off the mortgage buying your dream car traveling around the world never having to worry about your financial situation It's the freedom that you were looking for.
Your destination wasn't anything monetary related It was a feeling a sensation The ability to do what you want whenever you wanted without ever having to cast the thought towards can I afford this have I used? Up all my holidays for the year. How am I going to pay the rent? Will I be able to live off my pension? What dreams will I have to sacrifice? Because I can't afford to pursue them the most important lesson from this video was never about the nature of money It was about the one valuable resource that we all have the one resource We will never be able to reclaim time Is giving up a large chunk of your time towards a job that you probably don't like worth it Is your life settled on working coming home watching the telly? Sleeping waking up the next day and repeating the same cycle till you retire How many more hours of your life do you let slip through because of this pattern? Or perhaps you're fine with that reality Perhaps you have no other choice but to follow that path for the time being and if that's the case There's nothing to worry about the most you got from this video was a little entertainment and maybe a change in perspective but there are those of you that understand the other side those of you that have the desire to Never need to worry about money ever again.
And so I feel the need to remind you Stop chasing money chase problems and find the solution to those problems This is the equation through which all money is found if you desire Liberty through never needing to worry about money ever again Then let's solving problems be the meaningful struggle in your life Does it mean you'll be happy at the end of the road doesn't mean you'll feel fulfilled only you can answer that question But if your struggle is meaningful then perhaps it's worth pursuing And there is your equation to wealth Of course I missed out on a lot of intricacies in this video the topics of business money Entrepreneurship are far too vast for me to cover in a single video like this But if you do want to get started on this journey I do recommend you read the works of MJ DeMarco who heavily inspired me to create this video and it's also important to come back To an original point that I made at the start of this which is that most people will not succeed for various reasons But the most important part is failing Failing fast and moving on to the next thing and if you're out there doing something that isn't strictly related to a business But you want it to make money then asking yourself the question of what problems am I solving? Could lead you to find ways of better Monetizing whatever it is that you're doing and that also includes a job and a career if you can solve more problems and find more Solutions at your place of employment you have something that you can use to leverage a higher salary But I will end this all on the same message that I have repeated numerous times in this video Stop chasing money and start chasing solutions to problems Hey, you've arrived at the end of the video and thank you so much for watching, but don't click off just yet I do want to take the time to say thank you very much for watching to the end these things Take quite a few sleepless nights to research script film and edit So you can't imagine how much I really do appreciate your support if you genuinely Enjoyed this video then don't be shy hit the like button and if you disliked it hit the dislike Vaughn twice just to be sure And comment down below and let me know why my goal with this channel has been to create entertaining documentary style videos on business finance and life in general And if that sounds like something you'd be interested in and you'd want to tune in for more hit the subscribe on and hit that Notification belt make sure all your notifications are turned on both All of that being said, I hope you have a wonderful rest of the day as per usual.
My friends hand ahead salute You.
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