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What I Eat In A Day | How I Make Healthy Choices When Out!

So I thought today I would do a what I eat in a day and we’re just sitting down to breakfast now I went to the gym this morning and just had a plain black coffee citing like breakfast so for breakfast I ended up getting Eggs Benedict I substituted the bread for tomato the bacon first of my salmon and had asparagus on the side so we spent the morning shopping we went to Target Nordstrom Mac and now we are up on our way to lunch at the beach and I’m really excited I already know I’m gonna have a cold fruit but I’m not sure what I’m gonna have for lunch yet for lunch I opted for some local mahi-mahi on a bed of greens with my cold brew and some lemon water so I have a new favorite drink it’s kind of like a twist on a virgin mocktail especially since I don’t drink so you need at least one lime per drink one lemon I’m making two drinks and then some mint and some Pellegrino so you add in a bunch of mint obviously because it’s a virgin stem mojito the great thing is I like eating them mint after it’s great for your digestion and this one is no sugar so I know a traditional mojito has like sugar syrup or simple syrup I’m not gonna put syrup in because we’re our team no sugar over here so I do a full lime per drink I’m just kind of it muddled it a bit in the juice then I’m adding in one large ice cube these ones are like the super sized ice cubes as you can see and then top them off this is really green oh it’s just sparkling water all right let’s try ice it oh it’s so good it’s so refreshing so we have some chicken seasoning mine with the everything bagel spice and then some veggies and then for dinner I had some barbecued chicken some asparagus and some zucchini it was all so delicious and so fresh I love the produce here hey everyone so I got back late last night from my trip and I just wanted to touch on how I eat healthy when out or went on a vacation I’m just trying to stay on track honestly because eating healthy just makes me feel good so as you can see in the breakfast instead of bread I just substituted sliced tomato I got asparagus on the side and I just asked not to bring me toast and these little things like a lot of restaurants especially something like sliced tomato they definitely have it in their kitchen and they’re usually more than welcome or more than happy to put it in and I did get smoked salmon instead of Canadian bacon as well so just making little things with you already see on their menu and you note that they have most restaurants will be accommodating especially if you ask nicely and then I just think of getting like protein some veggies and then some healthy fats if you wanted to have something more indulging I suggest sharing things so you could share an appetizer or share a small side of whatever you wanted but to fill up most of your plate with the things that are gonna nourish you and make you feel good because if you’re eating completely horrible on vacation compared to what you do normally you might actually just feel crappy on vacation which I definitely don’t want to feel and I know a lot of you guys don’t want to I also picked up some really fun things in case you guys didn’t know I am Canadian so I’m gonna go to the States I do stock up on some favorites that are either hard to get here or it’s more expensive to order from those online stores so let’s get into it so I didn’t pick up a couple chocolates from Hugh kitchen this one is my favorite because there’s no sugar alcohols there’s no cane sugar emulsifiers so he left this in it’s the cleanest chocolate I’ve ever seen so I got crunchy mint and cashew butter if you are looking for these in Canada mature market does sell them so I will put a link to that in the description but hands down if you live in the states you need to get your hands on this keep them with you kitchen I also pick up more of their chocolate covered hunks of almond and sea salt they’re basically healthier chopped covered almonds which is one of my favorite things and again no palm oil sugar lapses in no shiny glaze guys if you ever see shiny too often covered almonds just stay clear another one if basically should brand dimension in general and that is simple mils I hadn’t tried their vanilla cupcake in cake mix but I thought I would pick it up to try it out with just this brand in general I have never found a product I don’t like they’re crackers are good they’re pizza crusts they’re bread they’re pancake mix anything simple meals makes is really good and it’s all really simple ingredients it’s just almond flour coconut sugar Aero coconut flour baking soda and sea salt that’s it of course I had to pick up some more of my ride-or-die granola and that is a purely Elizabeth this is one I haven’t seen before this is the grain free pumpkin spice and it has ashwagandha in it which I’m very excited about so I also picked up a couple bars the first one is the raw rev blow bar this is my favorite one for on keto because it has 14 grams of fiber which makes the net grams I think it’s either two or three net grams so this is easy just to have them a go and also this macadamia sea salt I try to really switch up my nuts you guys saw in my healthy snacks video you guys know I love macadamia nuts and they’re so good for you so I would highly recommend both of these bars pick up two boxes of chopped these are basically grass-fed beef snack sticks so basically a very very healthy Slim Jim I don’t think we have some gyms in Canada but from what people tell me it’s like a us thing but all the ingredients are very clean and it’s more of a salty snack their zero net carbs a hundred calories 6 grams of fat 9 grams of protein per stick and there’s 24 sticks per box and I got 2 because my fiancee really likes these as well also pick up some individual packets of brain octane this is great for keeping all the go when I run out of these packets I do use an old little ginger shot glass and I fill that with my brain octane and then I’ll put it in my clinic bag or in my purse to bring on the go with and lastly is this banza chickpea pasta I like chickpea pasta as opposed to normal pasta because it has a better macronutrient profile you guys knew y’all saw me use the shells in my healthy mac and cheese video which I will leave down below but yeah this has so much more fiber so much more protein so I hope you guys enjoy seeing what I eat while I’m away and a little bit of a healthy grocery haul some of my favorite brands .

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Plan For Retirement The Right Way with These Tips

well planning for your life is always personal and a lot of times you want to be in full control but could you benefit getting out of your own way when it comes to financial retirement plan well Adam wolf Jacksonville’s retirement coach is here to explain how that works and Adam is one of the area’s leading certified financial planners his firm Wolf’s retirement navigation helps people plan for a successful retirement good to see you again brother great see Curtis all right how often do you do you run into a client who comes in and tries to tell you how to do your job yeah it’s about it’s about 50/50 and it’s it’s amazing because if we look at it and I try to do what you do it’s it’s almost next to impossible I mean my mother was a middle school teacher she also ran daycare centers I could never do that you know being around mourning and my daughter is too many kids so everybody has their idea of what they want retirement to look like they just need somebody to help them along the way and design that perfect retirement for them and that’s that’s what you do and I’m sure you get a lot of people saying they heard something on this TV show in this TV show and I think this is but it takes somebody like you who studies the entire thing to give them the best advice but what would you have an example of somebody who finally after you talked to him they saw the light and they were like here’s the keys to my portfolio go ahead yeah the best the best ones are there’s a perfect example one where the couple came in and they thought they both had to work another two years and so we took a look at what they had saved in their IRAs in their 401ks the gentleman had a pension and they both had Social Security we were able to design that plan to get her retired like within a month with him within a year and so let me tell you they’d like naming their pets after me now cuz they love you so much but it’s it gets to that point where that’s that’s why I do what I do because I do it every day and I’m there to help people meet their needs and get to that retirement that they truly dreamed of and I think that’s what the important part there is knowledge knowledge is power as they say we all learned that from school school of schools School House Rock but what what why is it so important for people to be not eligible about their retirement yeah so a lot of times you know they design it themselves or they’re working with somebody else who’s just may be focused on investments during their working years and as we get closer to retirement we have to take into account the investments the risk that goes into the taxes they the you know do we do we want to have enough that we’re gonna live and leave to our next generation and we want to take care of the spouses there’s so many nuances to retirement planning and that’s why we we focus on retirement planning and so doing that every day day in and day out is going to help our clients going forward and we hold education seminars we have workshops as well it’s all about the latest and greatest strategies new information new tax laws to better your overall life and retirement well for those people out there who are gonna come and see you obviously after seeing this so that they don’t come again let him do his job but so that so that they come fully prepared what are the type of things they should they should gather before coming to see you yeah we take we make the process very relaxing unlike a lot of financial services shops we have a great you know introductory meeting you bring what you’re comfortable with we have a list of items to gather as well to have an inventory of what you have but that really that first meeting is just you know what are your goals what are you trying to accomplish you know what have you you know you saved over the course of your retire of your working years to get you to in through retirement and because we only focus on retirement it allows us to key in on those issues that they really need to focus on to get them the best retirement possible good stuff all right man is good to see you again good see you if you’d like to learn more Adam has a great offer folks listen up for the first five callers with a portfolio of two hundred and fifty thousand dollars or greater he’s offering a complimentary full blown retirement plan just for you all you gotta do is call right now and that number is on your screen nine zero four two three two eight seven six zero again nine zero four two three – eight seven six zero that’s an incredible offer and you can

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Life of Debt? How to: Obliterate Debt, Accumulate Wealth, and Retire Rich | Learn Liberty

It is an abomination. The Department of Education is a profit-making entity. Student loan debt now exceeds credit card debt. More than a third of college loans are delinquent. Forget about delinquencies. Let’s talk about default rates. The federal government is now hiring private creditors to harass students to pay back their federally subsidized loans. It’s a complete nightmare.” If you’re in your twenties or thirties, then you or someone you know is probably struggling with debt.

To top it off, the government owes about seventeen trillion dollars. Fifty thousand dollars for every man, woman, and child. That’s irresponsible! And you’re going to have to pay taxes to pay off that debt, too. It’s no wonder you’re being referred to as Generation Debt. The question is, is there anything you can do about it? Is there a way to dig out of this hole? I’m Art Carden. I’m an economics professor at Samford University’s Brock School of Business. In this Learn Liberty Academy program on personal finance, designed just for you, we’ll learn how to obliterate debt, accumulate wealth, and retire rich. I’m sure you’re wondering, ‘Hey, what’s the catch? Do I need to send this guy three easy payments of nineteen dollars and ninety-five cents?’ No.

This is a program that’s going to cost you zero dollars. And I hope that you’ll join me, and a group of other experts and guests, as we discuss how to build your financial future. Seriously, you need to sign up for this right now, because this program is going to be awesome. .

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How much do you need to retire

My father retired in 1991 after 39 years as a high school teacher. His pension, along with my mother’s pension and their social security checks, added up to more than they spent every month. Dad never had to ask himself whether he’d saved enough to retire. He simply needed to work enough years to get his pension. In 1991, most people with pension plans had traditional defined benefit pensions, pensions that paid a monthly income until you died. These days, most workers with pension plans have defined contribution plans, such as 401(k) plans. Workers own the money in their retirement accounts. But they have to figure out for themselves whether it’s enough to retire. How much retirement savings you need to retire is going to depend upon how old you are when you retire, how much social security you collect, what additional income you have in retirement, and how much you spend each year. Let’s look at an example of how to calculate retirement saving needs.

Jocelyn is 55 and single. Her annual total salary is $44,000 a year. She plans to retire on her 70th birthday. To estimate how much money she needs to save to retire at 70, Jocelyn first writes down her current annual spending by category. Your own categories may be more or less detailed than hers. Jocelyn goes through her financial records, including her checkbook and her credit card statements for the last year, to figure out how much she spent on what. On the W2 form that her employer sent her at the beginning of the year, she sees that she paid $3,366 in FICA and Medicare taxes. Her state and federal income taxes were $4,000. She contributed $6,000 to her 401(k) retirement savings. She funded her rainy day account years ago and didn’t add to it last year. Jocelyn’s employer currently pays for her medical and disability insurance. Her out-of-pocket medical expenses last year, including medications, were $1,000. Rent, $15,600. Phone and utilities, $2,400. Groceries, $3,600. She spent $1,200 eating out and $1,000 on entertainment and travel. Auto maintenance cost her $1,000, auto insurance, $800, and gas, $1,000. She spent $1,200 on clothing and personal items. Jocelyn spent $600 on gifts and gave $600 to charity.

Her renters insurance and other expenses were $634. Jocelyn now goes through her list and asks herself which expenses are likely to change after she retires. She won’t pay FICA and Medicare taxes after retiring. That’s one big savings. Her state and federal income taxes will be lower. As we’ll see, most of Jocelyn’s retirement income will be her social security benefits. And at Jocelyn’s income level, less than half of her social security will be subject to federal income taxes. After she retires, Jocelyn will no longer contribute to her 401(k) retirement savings account. However, she does plan to set aside $3,000 a year for unexpected expenses.

She will pay $1,500 a year for her Medicare Part B and D coverage. And her out-of-pocket medical expenses will likely increase as she ages. Jocelyn expects most of her other expenses to stay about the same after she retires. Two exceptions are that she’s going to spend less money on gas, since she’ll no longer be driving to work, and she plans to spend more on travel. All together, Jocelyn expects to spend about $37,134 a year after she retires. Jocelyn looks up her projected social security benefits on the Social Security website. If she starts claiming benefits at age 62, she’ll receive $11,700 in today’s dollars each year. If she claims at 67, she’ll get $17,556 a year. And if she waits until 70 to receive Social Security, she’ll receive $22,320 a year.

She’ll get nearly twice the annual income if she claims social security at 70 rather than 62. Jocelyn is healthy. And her mother lived into her 90s. Her biggest financial fear is that she might outlive her savings. Waiting until 70 to claim social security is one of the most cost effective ways to provide additional income in old age. And that’s what Jocelyn decides to do. Jocelyn will spend $37,134 a year in retirement and receive $22,320 in social security benefits. That leaves her with $14,814 to fund out of her retirement savings.

That’s in today’s dollars. When Jocelyn retires in 15 years, everything will cost more because of inflation. Fortunately, social security benefits are indexed to inflation. So her social security income will rise about as fast as her expenses do. However, in 15 years, she will need more than $14,814 to make up the difference between her social security and what she plans to spend. How much more? Over the last 25 years, inflation in the United States has been about 2.5% a year. If that trend continued, Jocelyn’s $14,814 in annual expenses will be about $21,500 in 15 years.

You can calculate that by multiplying 14,814 by 1.025 to the 15th power, which equals 21,455. Alternatively, you can use one of many future inflation calculators available online. Jocelyn decides to be a bit more conservative in her projections. And she assumes that her expenses will go up by 3% a year, not 2.5%. Let’s use an online calculator to see how much $14,814 will grow to in 15 years with 3% inflation. Enter the expected inflation rate of 3% a year for 15 years and a starting amount or a present value of $14,814. With inflation of 3%, Jocelyn will need about $23,000 a year in income beyond her social security when she retires in 15 years. So how much savings will Jocelyn need to provide $23,000 in income when she’s 70? In a video on spending in retirement, I suggest that people apply the RMD spending rule.

That is, each year spend no more from your retirement savings than the required minimum distribution mandated by the IRS. The rule can also be used to estimate how much savings you need to provide a level of income. To do so, look up the RMD withdrawal factor for the age at which you plan to retire. You can find this on RMD calculators such as the one on Or you can look it up on the IRS website. Multiply the annual income you’ll need by the withdrawal factor. And that gives you the amount of savings you’ll need to generate that annual income under the RMD rule. In Jocelyn’s case, let’s keep things simple and assume that her birthday is in January. Her RMD withdrawal factor the year in which she retires, also the year in which she turns 70 and 1/2, will be 27.4.

times $23,000 is $630,200. So Jocelyn’s going to need about $630,000 in savings plus her social security to support her anticipated expenses when she retires. Put differently, the year she retires, Jocelyn’s required minimum distribution will be 3.65% of her retirement savings. And $23,000 is 3.65% of $630,200. So that’s it. Estimate how much you’re going to spend in retirement. Subtract your estimated social security benefits from that, as well as any other income you’re going to have in retirement. And that gives you the expenses that you need to fund through your savings. Adjust these expenses for inflation between now and when you retire. And multiply by your RMD withdrawal factor the year that you retire. This will give you an estimate of how much money you’re going to need when you retire.

Of course, your situation may be more complicated than Jocelyn’s. For example, if you own your home and have a fixed rate mortgage, your mortgage expenses won’t increase with inflation and will end when you pay off your mortgage. So calculate future mortgage expenses separately from your other expenses. Furthermore, if you own your home this gives you additional savings. What if you plan to retire before 70? Required minimum distributions start the year you turn 70 and 1/2. If you are thinking of retiring a few years earlier, I suggest using a withdrawal rate of 33.

That is, multiply the annual expenses you’re going to need to cover from your retirement savings by 33 to get the amount of savings you’ll need. If you are planning to retire many years before you turn 70, you’re probably not watching this video. What if there is no way for you to save enough to fund the retirement you’d like? That’s a tough problem, but not an uncommon one. To have more income in retirement, wait until 70 to claim social security benefits. Also, consider working a few more years before you retire, looking for part time work after you retire, taking in a roommate, or reducing your spending. Planning for retirement is much harder today than when my father was teaching at Mahtomedi High School. The change from traditional defined benefit pensions to 401(k) retirement plans has shifted the responsibility and risk of funding retirements from employers to individuals. You have to decide how much to save, how to invest your savings, and how much you need to retire. This video may help you figure out the minimum you’ll need to retire. But you will continue to bear the risk that your investments do poorly or that you live longer than expected.

So if you possibly can, try to retire with more than the minimum. .

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