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Personal finance expert Suze Orman’s number one investment right now

SO THERE YOU SEE SUPPLY AND DEMAND AT WORK WITH INFLATION AT A HISTORIC HIGHS IN THE STOCK MARKET CHOPPY, OUR NEXT GUEST SAYS THE NUMBER ONE INVESTMENT RIGHT NOW IS I-BONDS HERE TO EXPLAIN IS A PERSONAL FINANCE POWER PLAYER AND OUR DEAR FRIEND SUZE ORMAN HOST OF THE WOMEN AND MONEY PODCAST. SHE IS ALSO CO-FOUNDER OF THE EMERGENCY SAVINGS FIRM SECURE SAVE SUZE, IT IS ALWAYS GREAT TO SEE YOU. WELCOME. GOOD TO HAVE YOU BACK WITH US. LET'S TALK ABOUT THE I-BONDS WHICH I DIDN'T EVEN KNOW ABOUT, BUTMY NEPHEW-IN-LAW SAID YOU HAVE TO GET THESE I-BONDS. EXPLAIN TO ME WHAT THEY ARE, HOW THEY WORK, HOW I BUY THEM AND FROM WHOM.

>> NOW SO YOU BUY THEM FROM THE TREASURY, DIRECTLY FROM THEM SO YOU GO FROM TREASURYDIRECT.GOV IT IS THE ONLY PLACE THAT YOU CAN BUY THEM, NUMBER ONE THEY RANGE IN PRICE. YOU CAN INVEST FROM $25 ALL OF THE WAY UP TO A MAXIMUM PER PERSON OF $10,000, ALTHOUGH THERE ARE WAYS TO DO IT WHERE YOU CAN PUT IN UP TO 30,000 IF YOU HAVE A TRUST AND/OR A BUSINESS WHEN YOU INVEST IN AN I-BOND, I STANDS FOR INFLATION, YOU HAVE GOT TO MAKE SURE THAT FOR ONE YEAR YOU DO NOT NEED YOUR MONEY AND THE REASON IS FROM THE TIME YOU PUT IT IN TO ONE YEAR YOU CANNOT TOUCH IT.

FROM YEAR TWO TO FIVE THERE IS ONLY A THREE-MONTH INTEREST PENALTY. THAT IS HOW THEY WORK. THEY ARE ATTACHED TO CPI SO RIGHT NOW WHEN THEY ANNOUNCED IN MAY, THE CPI THE YIELD ON THE SERIES I BONDS WERE GUARANTEED AND ANNUALIZED AND IT'S GUARANTEED TO YOU SO THEY CHANGE EVERY SIX MONTHS THE INTEREST RATE CHANGES EVERY MAY AND NOVEMBER SO FROM MAY UNTIL NOVEMBER EVERYBODY WHO BUYS ONE RIGHT NOW WILL BE GUARANTEED AN ANNUALIZED YIELD OF 9.62% STATE INCOME TAX-FREE OBVIOUSLY YOU'RE ONLY GOING TO GET THAT FOR SIX MONTH, BUT THAT'S STILL 4.81% ON YOUR MONEY. WHEN THEY RESET COME NOVEMBER, LET'S SAY THEY RESET EVEN LOWER. LET'S SAY THEY RESET AT 7.11 WHICH IS WHAT THEY WERE PAYING BEFORE THEY RAISED TO 9.62, YOU ARE GUARANTEED THAT FOR THE NEXT SIX MONTHS ON AN ANNUALIZED YIELD SO THAT'S, LIKE, 3.56%, HALF OF THAT FOR SIX MONTH BECAUSE THAT'S WHAT YOU'RE GUARANTEED SO FOR THE YEAR IT'S 8.37% THAT'S ESSENTIALLY HOW THEY WORK THEY'RE FABULOUS THEIR MATURITIES ARE FOR — GO ON >> I DON'T MEAN TO INTERRUPT YOU, BUT I WANTED TO ASK YOU THOSE NUMBERS THAT YOU JUST — AND I GET IT, YOU EXPLAINED IT PERFECTLY.

THEY RESET EVERY SIX MONTHS AND ARE YOU GUARANTEED UNDER THIS PROGRAM TO MAKE A YIELD IF YOU HOLD THE BONDS THAT IS ABOVE THE THEN-PREVAILING RATE OF INFLATION? >> SO WHAT HAPPENS IS YOU ARE ABSOLUTELY GUARANTEED, AND WHAT'S SO GREAT IS THAT THE ONLY WAY A FINANCE PERSON CAN EVER USE THE WORD GUARANTEE SIDE USUALLY WITH A TREASURY INSTRUMENT BECAUSE IT'S GUARANTEED BY THE AUTHORITY OF THE UNITED STATES GOVERNMENT NO COMMISSIONS OR ANYTHING SO ONCE THEY DECLARE THAT RATE ON MAY 1st AND NOVEMBER 1st YOU ARE GUARANTEED FOR WHENEVER YOU BUY IT BETWEEN THOSE PERIODS, FOR SIX MONTHS YOU ARE GUARANTEE THE RATE THAT THEY DECLARED.

AGAIN, THAT'S AN ANNUALIZED YIELD, SO IT'S ONLY REALLY GUARANTEED FOR SIX MONTHS UNTIL THEY RESET YOU KNOW, TYLER, I GAVE A MASTER CLASS ON THIS ON THE WOMEN AND MONEY PODCAST ON THE APRIL 17th EDITION OF IT. EVERYBODY SHOULD LISTEN TO IT BECAUSE IT TELLS YOU ALL THE INs AND OUTs, EVERYTHING YOU NEED TO KNOW THIS IS AN INVESTMENT. I'VE BEEN DOING THESE SINCE 2001 >> THIS DOES MAKE AN AWFUL LOT OF SENSE YOU EXPLAINED IT VERY WELL IN YOUR FIRST ANSWER IN TALKING ABOUT THE 9.6% RATE. WE UNDERSTAND THAT THAT DOES CLEAR THE LEVEL OF INFLATION, BUT IF INFLATION IS SOMETHING LIKE 8.6%, AREN'T YOU MORE OR LESS JUST PROTECTING THE VALUE OF YOUR MONEY RATHER THAN REALLY GROWING IT EVEN IF INFLATION IS ONLY APERCENT LESS THAN WHAT YOU'RE MAKING. >> COURTNEY, YOU GOT THAT RIGHT, BUT DON'T YOU WANT IN MARKETS LIKE THIS TO HAVE A POSITION OF YOUR MONEY ABSOLUTELY RO TEKTED? WHERE ARE YOUGOING TO GO YOU CAN'T GO TO REGULAR BONDS, BECAUSE BONDS IF YOU ADOPTED IN BOND FUNDS FOR GROWTH, YOU'RE DOWN 10% OR 15%.

YOU'RE DOWN SIGNIFICANTLY IN THE STOCK MARKET THERE HAS GOT TO BE A PORTION OF YOUR MONEY, WHATEVER THAT IS THAT YOU WANT PROTECTED, YOU WANT ESSENTIALLY IN CASH AT LEAST WHERE IT'S KEEPING UP WITH INFLATION WHICH IS EXACTLY WHAT THIS WILL DO VERSUS YOU'RE IN A MONEY MARKET ACCOUNT OR A CD OR WHATEVER IT IS AND YOU'RE GETTING 3% WHERE YOU'RE LOSING MONEY. SO THIS IS A GREAT PLACE TO PUT YOUR — YOU MENTIONED AFTER FIVE YEARS, YOU MENTIONED 27 YEAR IS PUT FOR 30 YEARS >> I SEE, AND YOU CAN REDEEM THEM ANY TIME AFTER THE FIRST YEAR FROM THE YEAR TWO THROUGH FIVE THERE IS A THREE-MONTH INTEREST PENALTY AFTER THE FIFTH YEAR YOU CAN REDEEM ANY — YOU CAN REDEEM ANY TIME.

>> WITHOUT ANY PEVNALTIES WHEN S EVER REALLY, ESSENTIALLY. SO YOU'RE IN THERE FOR A YEAR AND YOU REDEEM AFTER THAT, BIG DEAL. >> FINAL QUESTION WHICH COURTNEY TOUCHED ON AND THAT IS THAT THIS IS FOR A PORTION OF YOUR MONEY, IDEALLY MONEY YOU DON'T NEED TO TOUCH. IN SOME WAYS LIKE STOCKS, BUT YOU ACKNOWLEDGE THAT THERE IS WITH THIS KIND OF SAFETY MONEY AN OPPORTUNITY COST WHICH IS TO SAY IT'S NOT GOING TO BE YOUR GROWTH MONEY THE STOCK MARKET MIGHT RETURN YOU OVER THE FIVE YEARS OR THE TEN YEARS YOU HOLD THIS BOND MUCH MORE THAN 8%, 9%, A LITTLE ABOVE INFLATION, RIGHT YOUR GROWTH MONEY IS A DIFFERENT THING.

>> ABSOLUTELY. YOU HAVE GROWTH MONEY. YOU HAVE EMERGENCY SAVINGS ACCOUNT MONEY THAT WOULD NEVER GO INTO SOMETHING LIKE THIS BECAUSE YOU CAN'T AFFORD TO LOCK THAT UP FOR A YEAR, BUT YOU DO HAVE A PORTION OF YOUR MONEY THAT YOU WANT RIGHT NOW SAFE AND SOUTHBOUND BECAUSE EVERYBODY IS SO FREAKED, AND AT THESE INTEREST RATES, IF INFLATION CONTINUES THESE ARE A BIG WINNER BIG, BIG, BIG. >> WHAT'S THE PODCAST AGAIN, GO BACK.

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Cars = #1 Wealth Killer

in today's video we're going to talk about the number one wealth killer in america our cars hi if you're new to the channel my name is tay from financial tortoise where we learn to grow our wealth slow and steady you might be thinking hey what are you talking about aren't there so many other things that should come before a car payment that is destroying our wealth how about the rising cost of health care or stagnating wages and what about the crazy inflation rate that is destroying our purchasing power yes all true and i don't disagree that many of these items impact our wealth in detrimental ways however if you can hear me out for the rest of this video i want to help you understand why i believe our cars are really the number one wealth killer here in the united states but first let's start out with some history lessons so we have context regarding cars in america let's face it we as americans are obsessed with cars and nothing says american as our cars these days it's hard to see the distinction between car culture and american culture as cars have become such a significant part of our lives since they first came to be and a big reason for why they stuck around for so long is that they're the epitome of status this allura status that keeps drivers hooked dates all the way back to the ford model t the first affordable american car that changed america as we know it over 100 years ago and since then cars have continued to represent itself as an extension of ourselves and therefore our identity and our status symbol a way to show the world how successful we are when someone parks their lamborghini right next to our 10 year old honda civic don't many of us think man what does this guy do for a living how is he so wealthy he is so cool in my mid-20s i made one of the biggest purchases of my life a brand new volvo s40 i had just gotten my recent promotion in the army and i was making decent money of course i was still living paycheck to paycheck i justified the purchase by saying that i deserved it and i worked hard for it and while that might have been true the truth is that i could have bought a much cheaper car and used that extra money to pay down debt or invest in my future but i didn't because i wanted that status symbol i wanted the car that would churn heads when i drove by now a volvo wasn't really associated with turning heads but at the time i sure felt like i was somebody and that is really the core problem with cars they're most often emotional purchases we buy them with our heart not with our heads and when we do that we often end up overpaying and making poor financial decisions just like i did all right now that you had a good laugh at my money mistakes let's actually look at some numbers and see how cars are literally killing our wealth let's try to understand the average cost of owning a car at the time of this video the average price of a new car in the united states is around 48 000 and given that most new cars are purchased financed the average monthly car payment hovers around 700 however when we consider the ongoing costs like insurance gas or maintenance the true cost of ownership is actually much higher and we aren't even factoring depreciation when purchasing a brand new car a new car can lose up to 20 of its value the moment you drive it off the lot and it doesn't stop there on average a car will lose about 11 percent of its value every year for the first five years so if you bought that 48 thousand dollar car in just five years it'll be worth less than half of what you paid for and after 10 years you'll be worth less than a third so it's not a surprise that many people are upside down on their car payments the bottom line is that car payments in general are a bad idea especially big car payments like 700 a month there might be unique situations where a car payment might make sense for example you originally plan on buying a new car with cash but you chose financing instead because they were offering a zero percent interest however these situations are not normal the vast majority of people aren't using car payments to help out their cash flow situation imagine an average person who started their first job at the age of 25 and settled into a 700 car payment for their entire life this person would trade his or her car over the years but would always have that car payment each time the car is paid off we would head straight to a dealership to pick up a new one and if we did this for 30 years we would have paid over 250 000 in car payments alone and in the end we would only have an older car worth almost nothing to show for it and worse as i mentioned earlier this figure doesn't include the extra money we paid for maintenance insurance and other associated costs with owning a car now imagine that we did something radical and decided to forego or reduce this hefty new car payment for our entire life we decided to purchase a smaller new car or a reliable used car or even more radical use alternate means of transportation and rented cars only when we needed one in these scenarios let's reduce our monthly car expense by half the national average car payment instead of spending 700 a month we instead spend 350 per month and we invest the extra 350 in a good low cost index fund for next 30 years how much do you think we'll have in our investments after 30 years at an average eight percent rate of return over half a million dollars the total contribution amount is around 126 000 but the compounding added close to additional four hundred thousand dollars for investments for half a million dollars i personally don't mind driving a humble economical vehicle versus a car that supposedly shows my wealth to the rest of the world that really doesn't care about me anyways car payments are not a way of life and if we think that since we had one ever since we could remember it's time to change that mindset it's easy to blame external factors for our life and money problems but what is interesting is that most often we blame everything else but our high car payments for our inability to get ahead we blame our employers for not giving us the raise we deserve or our parents for not educating us enough we blame health insurance premiums the price of groceries the housing market and even the price of gas but how often do we focus our efforts on high car payments most often not so many of us myself included have become socially conditioned to believe that a huge car payment is a fact of life because having a nice car is a way of life it's an extension of who we are we wouldn't go out to the mall wearing tattered clothes so how can we be on the road with a rundown vehicle we tell ourselves that everyone has a car payment and that is normal and okay and if we're going to have a car payment anyways we might as well get the car we want right this kind of thinking is so widespread and so embedded into our culture that it's almost an epidemic the fact is that we don't need to think this way and in actuality it is very harmful to think this way because it's detrimental to our wealth alright now that we recognize the detrimental impact of having a car payment is to our wealth what can we do let me share with you some practical tips number one tip is a bit general but it is to delay gratification or learning delayed gratification if this is something we struggle with and i totally empathize with people who like buying new cars if we're completely honest with ourselves myself included buying a new car is fun not only do you get to enjoy the coveted new car smell but you get to show off in front of your family and friends and no matter how much the privilege costs it feels so good to drive your new car off the lot and cruise down the street unfortunately that is a short term thinking as many of us myself included might have experienced first hand the new car smell the excitement you feel when you get to drive a new car to work i'm sorry to say but these feelings are temporary and they're fleeting after a fairly short amount of time the new car excitement turns into mundane uneventful reality soon your car isn't so new anymore it's just something that you drive to costco on a weekly basis if we want to do something different and build our wealth in the process we need to change our new car mindset let's learn to delay gratification if you currently have a car and have been thinking about getting a new one see if you can drag it out for several more years the simple act of delayed gratification can mean hundreds of thousands of dollars in the long run second tip is a bit more practical and that is to consider buying used as i mentioned earlier one of the greatest negative financial impact of buying a new car is its depreciation a new car can literally lose up to 20 of his value the moment you drive it off the parking lot after five years it'll be worth no more than half of its original value a used vehicle depreciates at a much slower rate than a new vehicle this is because once you're behind the will of the car it will have already gone through the majority of its depreciation and it's much cheaper thus your monthly payment if you choose to finance will be much lower if you're worried about the condition of a used vehicle because you never purchased one consider a certified pre-owned vehicle you'll still save money by buying a used car but gain additional confidence the reliability of the vehicle in essence certified pre-owned or cpo are vehicles that meet manufacturers establish standards and carry some form of guarantee against defects similar to a new car warranty the third tip is to never lease a car leasing a car is tempting because the monthly payments are much lower than purchasing a car however it gets quite expensive in the long run when you lease you're basically paying for the use of the vehicle for the first two to three years of his life when the car depreciates the most when your lease is over you either have to lease another car or purchase one starting the cycle all over again buying a new car might be expensive initially but once you paid off the loans you at least own the car and won't have any car payments as long as you continue to drive it with leasing you don't have this option you will always have a car payment the fourth tip may sound a bit extreme but is to consider no car if you live in an area where there is a good public transportation and you don't have to commute long distance for work it might be feasible to ditch your car altogether not only will you save on car payments but you also save on gas insurance and maintenance cost it may not be the most glamorous solution but it is a practical one that can free up a significant amount of money each month cars are one of the biggest wealth killers out there if you really want to build true wealth you need to be mindful of your car choices and avoid the temptation to overspend there's nothing wrong with owning a car but there is something wrong with letting the car own you think carefully about your needs and make smart financial choices that will help you grow your wealth over time thank you guys for watching if you'd like to learn more about some other ways to save money check out a few of my videos here until next time all the best [Music]

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Retire Wealthy Home

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Rethink Retirement – well-being beyond your bank account | Clare Davenport | TEDxBYU

Transcriber: Annet Johnson
Reviewer: gaith Takrity Do you ever dream of retirement? What’s your retirement dream? Is it pure bliss and relaxation? Can you almost feel that warm wind? Taste those fruity umbrella drinks? Lounging by the pool, endless games of golf,
walking on the beach? I’ve always loved vacations, haven’t you? So I think we’re really going to love
this constant vacation space in retirement too, right? It actually reminds me of a couple I know.

Let’s call them, “Jeff and Jenny.” They’ve dreamt of retirement for years. Jeff had worked at the same company
for over 30 years. He knew everybody. He was the life of the place. And Jenny, she’d often worked two jobs
so they’d have enough. They finally did. They moved to sunny Florida, of course. But something strange started to happen. Jeff seemed lost, lonely. They started to nip at each other.

They started to quarrel. And Jenny, although she was
beginning to make community, really didn’t like to golf. She’d never been that sporty. She missed her long-time book club. She missed her best friends, her kids, her soon-to-be grandchild. What was going on? Had they not done everything right? They’d moved to sunny Florida. They’d worked with
a smart financial advisor. They’d saved enough. I ask you, if this is the dream vision
for retirement – You see it in the adverts. Why is it that so many are
dissatisfied at this age? Why is it that depression
increases by 40%? Why is it [that] substance abuse,
divorce rates are climbing? Why is everyone lonely? And people’s self-worth is low? Surely we can do better than this.

Look, I’ve spent many years consulting and coaching and researching
the ideas, tools, and frameworks that best support us
during times of transition, like retirement. Look, I’m not here to tell you
whether you should or shouldn’t retire, because maybe you should
or maybe you shouldn’t. It is up to you to design and discover. But I do want to share with you
what I know about these life changes, these life quakes, these life disruptors so we don’t end up
in a situation like Jeff and Jenny.

Look, we know that transitions
are a regular part of life. They can be trying and triumphant. They can be predictable and unpredictable because life often
doesn’t follow a straight line. But my research and others’ shows us
that if we bring our intention and attention to them,
we can improve our well-being. And we can improve our well-being
in retirement too. I like to think of it as an ROI,
a return on investment. But this time for our well-being. Think of it as the “ROI”
beyond our bank account, an investment portfolio
in human flourishing, your flourishing in retirement. Where “R” is where we reframe
our current definition of retirement. “O” is where we optimize
the well-being in retirement. And “I” is where we ignite
our way forward. So let’s “ROI,” Reframe, Optimize,
and Ignite, your retirement. Let’s start with “R”: reframe. Let’s reframe your current
definition of retirement. Look, even the word retirement
sends shivers down my spine. I really don’t like that word much. And when I look up the word “retire”
in a thesaurus, I see the strangest words: retreat, remove, exit, my personal favorite, “go to bed.” And, although I get it – It is very, very tempting
to go to bed sometimes, it does imply that we are
fading from life when in fact these years can be
some of our best years, some of our most flourishing years.

So then, how did it start? Well, historically, we never
abruptly retired. We gently moved from one stage
to another in life. And then rumor has it, this gentleman – I think he looks a bit scary, actually, German Chancellor, Otto Van Bismarck,
in 1889, created this idea, this invention of retirement
when he put in place disability insurance for those over 70. This idea was radical. But other countries followed suit,
making retirement age between 65 and 70. But what’s interesting about
this time period of 1889 was the life expectancy
was less than 44 years. A far cry from our 80′ish years today. So to be clear, this definition
or invention of retirement is over 100 years old and we have almost doubled our lifespan. So surely, can we not all agree that
we need to reframe, rethink, redesign … our retirement definition? Next, let’s “O” of the ROI, let’s optimize. Let’s optimize our well-being
in retirement. And it’s here we can learn
from some great science and research. Edward Jones asked over 9,000 retirees, “What gives you fulfillment
in retirement?” Their answers: being authentic, spending
time with those they care for, they love, doing interesting things,
things that help them grow, and being generous, giving back.

Interestingly, money was
at the bottom of the list. And, look, we know that money can
bring us freedom and flexibility. But research consistently shows us
that above a base level, money is not the secret ingredient
to happiness in life or in retirement. It’s also interesting to examine
the disconnect between what retirees are thinking about – connection, contribution, community, and pre-retirees are thinking about, which is pretty much their bank accounts
and this vacation view of retirement.

And when we look at
this vacation view of retirement, we find that over time it becomes the norm and starts to lack the joy it once did. It’s probably why
Berkeley researchers found that we have a sugar rush
of well-being when we first retire and then a year or two later
a fairly sharp decline. Behavioral economists might call it
hedonic adaptation, where one more umbrella drink, one more golf game just loses its sparkle.

We can also look into the world
of positive psychology as we continue to “O”, optimize. We can examine the science of
what makes for a good life, a happy life, a life better than fine. And it goes by the acronym, PERMAV. I like to think of it
as my well-being playbook where “P” is positive emotion,
feeling good, hopeful, inspired, loving. It’s like a micro moment of joy: a good laugh, a good meal.

“E” is engagement. Having interests in pursuits that fully
captivate us and take us away: help us grow, our relationships, having loving and authentic relationships
with another, with groups, with communities. “M” is meaning, that sense of purpose,
something beyond ourselves. “A” is accomplishment, having positive progress in life. And “V” is vitality, investing in our bodies, in our minds,
because they both matter and they work together. Look, these elements collectively
make up our well-being. They matter, they work together, and we have to bring our attention
and intention to them because they can change.

So it’s super important
in retirement to focus on these. We can also learn from the
blue zones of the world, those zones where people
fully embrace the PERMAV elements. They live flourishing lives and they live
an extra 10 to 15 years than most of us. The word retirement doesn’t even exist. Take Marie, for example. She’s amazing. She's 101, has her own garden. walks over a mile a day,
volunteers five days a week, and spends a lot of time
with her great friends and her six great grandchildren. She is thriving. She is optimizing her retirement years. Next, “I” of the ROI. Let’s ignite our path forward. Let’s take action. Let’s explore ideas. Let's sneak up on the future. We know that life is not
a fixed destination but rather a continual design project. There’s not one best option for us. There's many great options
for us in retirement.

We also know to break down
our ideas and our actions. We break them down small, so we feel comfortable taking action. We have a conversation, we explore an idea, we learn something new, but in a safe way. So we take some action. We adjust and edit and we take a little more action
as we ignite our way forward. So in closing, I invite you, all of you, to have a conversation
about your retirement. But maybe a little differently this time. It is never too early
and it’s never too late. Let’s create a retirement canvas full of the colors and
textures of well-being and ignited by our boundless
designs and imaginations, like Jeff and Jenny did.

They moved back from Florida. They still vacation there sometimes. They bought a smaller condo,
two doors down from their best friend. Jeff decided to go back to work part-time, and he’s taking improv
classes twice a week. And Jenny, she’s enrolled
in doing a Masters in English and still loving her long-time book club. They are prioritizing their friends, their family, and their new grandchild. They are thriving. So … what about you? Let’s begin to ROI
your retirement chapter. Let’s start with “R”, refrain. What does retirement now mean to you? And what beliefs are
no longer serving you? “O”, optimize.

Who and what will you prioritize and how will you use your many,
many strengths and skills? And how does this compare
with those you care for? And “I”, ignite. What is one small step
you could take today to better understand
your “retirement act,” knowing the best can be yet to come. Thank you. (Applause).

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Retirement Planning Home

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How To Save For Retirement: Suze Orman Shares Her Best Money Advice | TODAY

>>> AND WE’RE BACK WITH OUR >>> AND WE’RE BACK WITH OUR SPECIAL SERIES LIVING LONGER SPECIAL SERIES LIVING LONGER TODAY, EXPLORING WAYS TO LIVER TODAY, EXPLORING WAYS TO LIVER NOT ONLY LONGER BUT BETTER. NOT ONLY LONGER BUT BETTER. >> THIS MORNING WE’RE FOCUSING >> THIS MORNING WE’RE FOCUSING ON YOUR FINANCES AND THE NEW ON YOUR FINANCES AND THE NEW ADVICE EXPERTS ARE GIVING TO ADVICE EXPERTS ARE GIVING TO MAKE YOUR MONEY REALLY LAST. MAKE YOUR MONEY REALLY LAST. >> THE GOOD NEWS AMERICANS ARE >> THE GOOD NEWS AMERICANS ARE LIVING LONGER, WHAT THAT MEANS, LIVING LONGER, WHAT THAT MEANS, A NEW FOCUS ON MAKING YOUR MONEY A NEW FOCUS ON MAKING YOUR MONEY LAST. LAST. >> AS YOU’RE PLANNING FOR YOUR >> AS YOU’RE PLANNING FOR YOUR FUTURE, DON’T UNDERESTIMATE HOW FUTURE, DON’T UNDERESTIMATE HOW LONG YOU’RE GOING TO LIVE. LONG YOU’RE GOING TO LIVE. >> IN FACT, ABOUT ONE OUT OF >> IN FACT, ABOUT ONE OUT OF EVERY FOUR 65-YEAR-OLDS TODAY EVERY FOUR 65-YEAR-OLDS TODAY WILL LIVE PAST 90.

WILL LIVE PAST 90. >> THE OLD ADVICE USED TO BE >> THE OLD ADVICE USED TO BE THAT AS YOU’RE PLANNING FOR THAT AS YOU’RE PLANNING FOR RETIREMENT EXPECT TO LIVE INTO RETIREMENT EXPECT TO LIVE INTO YOUR 80s. YOUR 80s. NOW THE EXPECTATION IS THAT NOW THE EXPECTATION IS THAT YOU’LL HAVE A GOOD CHANCE OF YOU’LL HAVE A GOOD CHANCE OF LIVING INTO YOUR 90s, MAYBE EVEN LIVING INTO YOUR 90s, MAYBE EVEN CELEBRATING YOUR 100th BIRTHDAY. CELEBRATING YOUR 100th BIRTHDAY. >> WITH LONGEVITY CAN COME THE >> WITH LONGEVITY CAN COME THE ADDED STRESS TO SAVE MORE. ADDED STRESS TO SAVE MORE. >> PLANNING FOR THE FUTURE HAS >> PLANNING FOR THE FUTURE HAS BECOME A LOT MORE CHALLENGING BECOME A LOT MORE CHALLENGING AND REALLY THE ONUS IS NOW ON AND REALLY THE ONUS IS NOW ON THE INDIVIDUAL MORE THAN EVER.

THE INDIVIDUAL MORE THAN EVER. >> SO HOW DO WE MAKE SURE WE’RE >> SO HOW DO WE MAKE SURE WE’RE FINANCIALLY PREPARED FOR ALL FINANCIALLY PREPARED FOR ALL THOSE EXTRA YEARS? THOSE EXTRA YEARS? IT’S EASY. IT’S EASY. JUST CALL SUZE ORMAN, A PERSONAL JUST CALL SUZE ORMAN, A PERSONAL FINANCE EXPERT. FINANCE EXPERT. SHE HOSTS SUZE ORMAN’S WOMEN AND SHE HOSTS SUZE ORMAN’S WOMEN AND MANY PODCASTS. MANY PODCASTS. >> WE’RE LIVING LONGER. >> WE’RE LIVING LONGER. THAT’S GREAT, BUT THE BAD NEWS THAT’S GREAT, BUT THE BAD NEWS IS, WE SURVEYED OUR TODAY.COM IS, WE SURVEYED OUR TODAY.COM AUDIENCE.

AUDIENCE. THEY SAID 60% OF THEM FELT LIKE THEY SAID 60% OF THEM FELT LIKE THEY DON’T HAVE THE AMOUNT OF THEY DON’T HAVE THE AMOUNT OF MONEY THAT THEY’RE SAVING RIGHT MONEY THAT THEY’RE SAVING RIGHT NOW THAT, THAT IT WON’T LAST NOW THAT, THAT IT WON’T LAST THEM THROUGH THEIR RETIREMENT. THEM THROUGH THEIR RETIREMENT. >> IF YOU REALLY THINK ABOUT IT, >> IF YOU REALLY THINK ABOUT IT, YOU GUYS, MOST PEOPLE BARELY YOU GUYS, MOST PEOPLE BARELY HAVE THE MONEY TO PAY THEIR HAVE THE MONEY TO PAY THEIR BILLS TODAY LET ALONE SAVE IN BILLS TODAY LET ALONE SAVE IN THEIR MINDS FOR THE FUTURE.

THEIR MINDS FOR THE FUTURE. >> PEOPLE FEEL LIKE THEY CAN’T >> PEOPLE FEEL LIKE THEY CAN’T SAVE. SAVE. >> THEY JUST FEEL THAT WAY, AND >> THEY JUST FEEL THAT WAY, AND THEY HAVE TO CHANGE THAT BECAUSE THEY HAVE TO CHANGE THAT BECAUSE THEY ARE GOING TO SPEND MORE THEY ARE GOING TO SPEND MORE YEARS IN RETIREMENT THAN THEY YEARS IN RETIREMENT THAN THEY EVER DID WORKING IF YOU THINK EVER DID WORKING IF YOU THINK ABOUT IT BECAUSE MOST PEOPLE ABOUT IT BECAUSE MOST PEOPLE THINK THEY’RE GOING TO RETIRE AT THINK THEY’RE GOING TO RETIRE AT 65, MAYBE THEY WORK 30 YEARS, 65, MAYBE THEY WORK 30 YEARS, THEY’RE GOING TO LIVE TO 100 THEY’RE GOING TO LIVE TO 100 POSSIBLY. POSSIBLY.

>> OENGWNING A HOUSE WAS ALWAYS >> OENGWNING A HOUSE WAS ALWAYS THE PLAN, BUT FOR THESE THE PLAN, BUT FOR THESE MILLENNIALS, THEY’RE OPEN ABOUT MILLENNIALS, THEY’RE OPEN ABOUT THE FACT THEY THINK THEY’LL THE FACT THEY THINK THEY’LL NEVER BE ABLE TO AFFORD A HOUSE, NEVER BE ABLE TO AFFORD A HOUSE, NEVER MIND SOME LONGEVITY OR NEVER MIND SOME LONGEVITY OR 401(k).

401(k). >> THAT’S NOT SUCH A HORRIBLE >> THAT’S NOT SUCH A HORRIBLE THING. THING. I DON’T THINK THAT THE KEY TO I DON’T THINK THAT THE KEY TO YOUR RETIREMENT IS OWNING A YOUR RETIREMENT IS OWNING A HOME. HOME. I THINK THE KEY TO YOUR I THINK THE KEY TO YOUR RETIREMENT IS HAVING ENOUGH RETIREMENT IS HAVING ENOUGH MONEY TO PAY WHATEVER YOUR MONEY TO PAY WHATEVER YOUR EXPENSES HAPPEN TO BE SO THE KEY EXPENSES HAPPEN TO BE SO THE KEY IS TO GET RID OF AS MUCH IS TO GET RID OF AS MUCH EXPENSES AS YOU CAN, DON’T HAVE EXPENSES AS YOU CAN, DON’T HAVE DEBT. DEBT. IF YOU DO HAVE A HOME, MAKE SURE IF YOU DO HAVE A HOME, MAKE SURE YOUR MORTGAGE IS PAID OFF BY THE YOUR MORTGAGE IS PAID OFF BY THE TIME YOU RETIRE. TIME YOU RETIRE. THAT WOULD BE MY NUMBER ONE TIP THAT WOULD BE MY NUMBER ONE TIP TO TELL EVERYBODY THEY HAVE GOT TO TELL EVERYBODY THEY HAVE GOT TO DO IF THEY DO OWN A HOME.

TO DO IF THEY DO OWN A HOME. >> WE’RE GOING TO GET INTO THAT. >> WE’RE GOING TO GET INTO THAT. WE HAVE THE THREE W’S. WE HAVE THE THREE W’S. THE FIRST IS WHERE. THE FIRST IS WHERE. WHERE IS THE BEST PLACE TO WHERE IS THE BEST PLACE TO INVEST YOUR MONEY SO IF YOU DO INVEST YOUR MONEY SO IF YOU DO HAVE 30ISH YEARS OF RETIREMENT HAVE 30ISH YEARS OF RETIREMENT YOU’RE SET? YOU’RE SET? >> I’VE SAID FOR A LONG TIME, >> I’VE SAID FOR A LONG TIME, JUST FORGET THE TAX WRITE OFFS JUST FORGET THE TAX WRITE OFFS OF YOUR PRETAX 401(k) OR IRA. OF YOUR PRETAX 401(k) OR IRA. FORGET THOSE NOW, AND IF YOUR FORGET THOSE NOW, AND IF YOUR CORPORATION OFFERS IT, CAN YOU CORPORATION OFFERS IT, CAN YOU CO CO DO A ROTH 401(k) OR A ROTH IRA DO A ROTH 401(k) OR A ROTH IRA WHICH ARE AFTER TAX WHICH ARE AFTER TAX CONTRIBUTIONS.

CONTRIBUTIONS. WHY? WHY? YOU DON’T HAVE TO WORRY WHAT THE YOU DON’T HAVE TO WORRY WHAT THE TAX BRACKETS ARE GOING TO BE 20, TAX BRACKETS ARE GOING TO BE 20, 30, AND 40 YEARS FROM NOW. 30, AND 40 YEARS FROM NOW. I PERSONALLY THINK THEY’RE GOING I PERSONALLY THINK THEY’RE GOING TO SKYROCKET OVER THE YEARS, SO TO SKYROCKET OVER THE YEARS, SO THEREFORE WHAT YOU SEE IS WHAT THEREFORE WHAT YOU SEE IS WHAT YOU GET IN A ROTH IRA OR A ROTH YOU GET IN A ROTH IRA OR A ROTH 401(k). 401(k). AGAIN, IT’S PRETAX VERSUS AFTER AGAIN, IT’S PRETAX VERSUS AFTER TAX, BUT AFTER THAT IT’S TAX TAX, BUT AFTER THAT IT’S TAX DEFERRED VERSUS TAX FREE. DEFERRED VERSUS TAX FREE. IT’S FOR YOUR BENEFICIARIES IN A IT’S FOR YOUR BENEFICIARIES IN A PRETAX ACCOUNT THEY’RE GOING TO PRETAX ACCOUNT THEY’RE GOING TO PAY TOTAL TAXES ON IT. PAY TOTAL TAXES ON IT.

>> LET’S GO BACK TO DEBT FOR A >> LET’S GO BACK TO DEBT FOR A SECOND. SECOND. FOR PEOPLE WHO HAVE STUDENT FOR PEOPLE WHO HAVE STUDENT LOANS, THEY’VE GOT CREDIT CARDS, LOANS, THEY’VE GOT CREDIT CARDS, THEY’VE GOT THAT MORTGAGE. THEY’VE GOT THAT MORTGAGE. HOW DO YOU PRIORITIZE THE DEBT? HOW DO YOU PRIORITIZE THE DEBT? WHAT DO YOU PAY AND WHEN? WHAT DO YOU PAY AND WHEN? >> STUDENT LOAN DEBT IS THE MOST >> STUDENT LOAN DEBT IS THE MOST DANGEROUS DEBT YOU CAN HAVE BAR DANGEROUS DEBT YOU CAN HAVE BAR NONE BECAUSE IN 90% OF THE NONE BECAUSE IN 90% OF THE CASES, 99%, IT IS NOT CASES, 99%, IT IS NOT DISCHARGEABLE IN BANKRUPTCY. DISCHARGEABLE IN BANKRUPTCY. SO THEY HAVE THE LEGAL AUTHORITY SO THEY HAVE THE LEGAL AUTHORITY TO GARNISH YOUR WAGES AND TO TO GARNISH YOUR WAGES AND TO REALLY THEN DECREASE YOUR INCOME REALLY THEN DECREASE YOUR INCOME SO STUDENT LOAN — SO STUDENT LOAN — >> TAKE CARE OF THAT FIRST.

>> TAKE CARE OF THAT FIRST. >> FIRST THAT. >> FIRST THAT. THEN IF YOU HAVE CREDIT CARD THEN IF YOU HAVE CREDIT CARD DEBT THAT NEEDS TO GO BECAUSE DEBT THAT NEEDS TO GO BECAUSE DEBT IS BONDAGE. DEBT IS BONDAGE. YOU GOT TO GET OUT OF THAT. YOU GOT TO GET OUT OF THAT. AND THEN YOU START WORKING, IF AND THEN YOU START WORKING, IF YOU’RE GOING TO STAY IN YOUR YOU’RE GOING TO STAY IN YOUR HOME FOR THE REST OF YOUR LIFE, HOME FOR THE REST OF YOUR LIFE, GET RID OF YOUR MORTGAGE GET RID OF YOUR MORTGAGE PAYMENT.

PAYMENT. >> I WANT TO FOLLOW UP ON THAT. >> I WANT TO FOLLOW UP ON THAT. YOU DON’T WANT TO HAVE A YOU DON’T WANT TO HAVE A MORTGAGE, A LIVE MORTGAGE STILL MORTGAGE, A LIVE MORTGAGE STILL GOING BY THE TIME YOU RETIRE. GOING BY THE TIME YOU RETIRE. WHY? WHY? >> BECAUSE YOUR MORTGAGE PAYMENT >> BECAUSE YOUR MORTGAGE PAYMENT IS YOUR HIGHEST MONTHLY EXPENSE IS YOUR HIGHEST MONTHLY EXPENSE THAT YOU’RE GOING TO HAVE BAR THAT YOU’RE GOING TO HAVE BAR NONE.

NONE. >> WHEN YOU RETIRE. >> WHEN YOU RETIRE. >> IT’S FAR EASIER TO PAY OFF >> IT’S FAR EASIER TO PAY OFF YOUR MORTGAGE THAN TO SAVER THE YOUR MORTGAGE THAN TO SAVER THE MONEY TO GENERATE THE INCOME TO MONEY TO GENERATE THE INCOME TO PAY OFF YOUR MORTGAGE. PAY OFF YOUR MORTGAGE. YOUR GOAL IN RETIREMENT IS TO BE YOUR GOAL IN RETIREMENT IS TO BE TOTALLY DEBT FREE 100% IN TOTALLY DEBT FREE 100% IN RETIREMENT. RETIREMENT. IF YOU DON’T HAVE ENOUGH MONEY, IF YOU DON’T HAVE ENOUGH MONEY, DECREASE YOUR EXPENSES, AND THEN DECREASE YOUR EXPENSES, AND THEN YOUR MONEY WILL GO FURTHER. YOUR MONEY WILL GO FURTHER. >> GOT YOU. >> GOT YOU. >> WHAT ABOUT WHEN, WHEN DO YOU >> WHAT ABOUT WHEN, WHEN DO YOU START? START? I KNOW, WHEN WE’RE BORN WE I KNOW, WHEN WE’RE BORN WE SHOULD START SAVING.

SHOULD START SAVING. >> YOU HAVE THE 200 BUCKS WHEN >> YOU HAVE THE 200 BUCKS WHEN YOU’RE 30. YOU’RE 30. >> PEOPLE ALWAYS THINK THEY HAVE >> PEOPLE ALWAYS THINK THEY HAVE TIME, TIME IS THE MOST IMPORTANT TIME, TIME IS THE MOST IMPORTANT INGREDIENT IN YOUR RETIREMENT INGREDIENT IN YOUR RETIREMENT RECIPE. RECIPE. LET’S JUST SAY YOU HAVE 40 LET’S JUST SAY YOU HAVE 40 YEARS. YEARS. YOU’RE YOUNG. YOU’RE YOUNG. YOU HAVE 40 YEARS UNTIL YOU’RE YOU HAVE 40 YEARS UNTIL YOU’RE GOING TO BE 70. GOING TO BE 70. YOU PUT $200 A MONTH AWAY INTO A YOU PUT $200 A MONTH AWAY INTO A ROTH IRA OR ROTH 401(k).

ROTH IRA OR ROTH 401(k). AVERAGE MARKET RETURNS, DO YOU AVERAGE MARKET RETURNS, DO YOU KNOW THAT YOU WOULD HAVE KNOW THAT YOU WOULD HAVE $1.1 MILLION AT 70, WHICH I $1.1 MILLION AT 70, WHICH I THINK SHOULD BE THE NEW THINK SHOULD BE THE NEW RETIREMENT AGE, BUT YOU WAIT TEN RETIREMENT AGE, BUT YOU WAIT TEN YEARS. YEARS. >> YOU’RE TALKING ABOUT HAVING A >> YOU’RE TALKING ABOUT HAVING A SURPLUS OF 200 BUCK WHEN IS SURPLUS OF 200 BUCK WHEN IS YOU’RE 30. YOU’RE 30. SHOULD YOU TAKE THAT 200 AND SHOULD YOU TAKE THAT 200 AND APPLY IT TO ONE OF THESE OTHER APPLY IT TO ONE OF THESE OTHER THINGS. THINGS. >> YOU NEED TO BE SAVING >> YOU NEED TO BE SAVING ESPECIALLY IN A 401(k), ESPECIALLY IN A 401(k), ESPECIALLY IF THEY MATCH YOUR ESPECIALLY IF THEY MATCH YOUR CONTRIBUTION. CONTRIBUTION. YOU PUT IN A DOLLAR, THEY GIVE YOU PUT IN A DOLLAR, THEY GIVE YOU $0.50. YOU $0.50. I DON’T CARE IF YOU HAVE ANY I DON’T CARE IF YOU HAVE ANY MONEY. MONEY. YOU CAN’T PASS UP FREE MONEY.

YOU CAN’T PASS UP FREE MONEY. IF YOU STARTED PUTTING, JUST IF YOU STARTED PUTTING, JUST LET’S SAY $200 A MONTH AWAY, AND LET’S SAY $200 A MONTH AWAY, AND YOU NOW ONLY HAVE 30 YEARS LEFT YOU NOW ONLY HAVE 30 YEARS LEFT VERSUS 40, YOU’D ONLY HAVE LIKE VERSUS 40, YOU’D ONLY HAVE LIKE $400,000. $400,000. YOU JUST BLEW $700,000 BECAUSE YOU JUST BLEW $700,000 BECAUSE YOU WAITED TEN YEARS. YOU WAITED TEN YEARS. IT WAS ONLY A $24,000 DIFFERENCE IT WAS ONLY A $24,000 DIFFERENCE IN THOSE TEN YEARS. IN THOSE TEN YEARS. BUT THE TEN YEARS, THE SOONER BUT THE TEN YEARS, THE SOONER YOU BEGIN, THE BETTER YOU’LL BE. YOU BEGIN, THE BETTER YOU’LL BE. >> JUST TO CARSON’S POINT. >> JUST TO CARSON’S POINT. IF I HAVE 200 BUCKS TO SPARE,KY IF I HAVE 200 BUCKS TO SPARE,KY CAN EITHER PAY OFF MY CREDIT CAN EITHER PAY OFF MY CREDIT CARD DEBT AND START SAVING IN A CARD DEBT AND START SAVING IN A ROTH IRA, WHAT WOULD MY CHOICE ROTH IRA, WHAT WOULD MY CHOICE BE? BE? >> YOUR CHOICE THERE IS TO PAY >> YOUR CHOICE THERE IS TO PAY OFF YOUR CREDIT CARD DEBT.

OFF YOUR CREDIT CARD DEBT. >> IF YOU DON’T HAVE MUCH MONEY >> IF YOU DON’T HAVE MUCH MONEY YOU MAY BE BEHIND ON YOUR CREDIT YOU MAY BE BEHIND ON YOUR CREDIT CARD PAYMENTS, AND YOUR INTEREST CARD PAYMENTS, AND YOUR INTEREST RATES ARE 15, 18%. RATES ARE 15, 18%. THAT’S A GUARANTEED RETURN. THAT’S A GUARANTEED RETURN. WHEN YOU PAY OFF YOUR CREDIT WHEN YOU PAY OFF YOUR CREDIT CARD DEBT, YOU’RE GUARANTEEING A CARD DEBT, YOU’RE GUARANTEEING A FANTASTIC RETURN. FANTASTIC RETURN. >> WHAT IS THE ONE SMALL THING >> WHAT IS THE ONE SMALL THING YOU WOULD TELL OUR VIEWERS YOU WOULD TELL OUR VIEWERS BEFORE WE GO? BEFORE WE GO? >> HERE’S WHAT’S REALLY >> HERE’S WHAT’S REALLY IMPORTANT. IMPORTANT. MANY PEOPLE HAVE ADVICE FOR ALL MANY PEOPLE HAVE ADVICE FOR ALL OF YOU. OF YOU. SOMETIMES THAT ADVICE IS GOOD SOMETIMES THAT ADVICE IS GOOD FOR THE PERSON GIVING THE FOR THE PERSON GIVING THE ADVICE, AND SOMETIMES IT’S GOOD ADVICE, AND SOMETIMES IT’S GOOD FOR THE PERSON RECEIVING IT.

FOR THE PERSON RECEIVING IT. MY ADVICE IS THIS, PLEASE DON’T MY ADVICE IS THIS, PLEASE DON’T DO ANYTHING THAT YOU DON’T DO ANYTHING THAT YOU DON’T UNDERSTAND. UNDERSTAND. IT IS BETTER TO DO NOTHING THAN IT IS BETTER TO DO NOTHING THAN TO DO SOMETHING YOU DO NOT TO DO SOMETHING YOU DO NOT UNDERSTAND BECAUSE SOMETIMES YOU UNDERSTAND BECAUSE SOMETIMES YOU CAN DO SOMETHING AND IT BLOWS CAN DO SOMETHING AND IT BLOWS ALL YOUR MONEY, AND SO IF IT ALL YOUR MONEY, AND SO IF IT DOESN’T FEEL RIGHT TO YOU, YOU DOESN’T FEEL RIGHT TO YOU, YOU HAVE TO TRUST YOURSELF MORE THAN HAVE TO TRUST YOURSELF MORE THAN YOU TRUST OTHERS.

YOU TRUST OTHERS. IT’S YOUR MONEY, AND WHAT IT’S YOUR MONEY, AND WHAT HAPPENS TO YOUR MONEY IS GOING HAPPENS TO YOUR MONEY IS GOING TO DIRECTLY AFFECT THE QUALITY TO DIRECTLY AFFECT THE QUALITY OF YOUR LIFE, NOT MY LIFE. OF YOUR LIFE, NOT MY LIFE. NOT ANYBODY ELSE’S LIFE, SO IF NOT ANYBODY ELSE’S LIFE, SO IF YOU REALLY WANT TO BE POWERFUL YOU REALLY WANT TO BE POWERFUL IN LIFE, YOU HAVE TO BE POWERFUL IN LIFE, YOU HAVE TO BE POWERFUL OVER YOUR OWN MONEY.

OVER YOUR OWN MONEY. >> THAT’S GOOD ADVICE. >> THAT’S GOOD ADVICE. IN SOME CASES FINANCIALLY DOING IN SOME CASES FINANCIALLY DOING NOTHING IS BETTER THAN MAKING A NOTHING IS BETTER THAN MAKING A CHOICE TO YOUR DETRIMENT. CHOICE TO YOUR DETRIMENT. >> NEVER TALK YOURSELF INTO >> NEVER TALK YOURSELF INTO TRUSTING ANYONE. TRUSTING ANYONE. YOU WALK INTO A FINANCIAL YOU WALK INTO A FINANCIAL ADVISER’S OFFICE AND THEY FEEL ADVISER’S OFFICE AND THEY FEEL LIKE THEY KNOW WHAT YOU’RE LIKE THEY KNOW WHAT YOU’RE DOING. DOING. THEY MUST KNOW, YOU DON’T KNOW THEY MUST KNOW, YOU DON’T KNOW AND YOU BELIEVE THEM. AND YOU BELIEVE THEM. SOMETIMES THEY GIVE GREAT AED SOMETIMES THEY GIVE GREAT AED VICE AND SOMETIMES THEY GIVE VICE AND SOMETIMES THEY GIVE ADVICE THAT’S NOT SO MUCH. ADVICE THAT’S NOT SO MUCH.

>> THAT STUFF’S TRUE IN >> THAT STUFF’S TRUE IN ANYTHING, RIGHT? ANYTHING, RIGHT? >> WHEN YOU THINK ABOUT IT, >> WHEN YOU THINK ABOUT IT, SAVANNAH, YOUR MONEY AND YOUR SAVANNAH, YOUR MONEY AND YOUR LIFE ARE ONE. LIFE ARE ONE. WHO YOU ARE AND WHAT YOU HAVE IS WHO YOU ARE AND WHAT YOU HAVE IS ONE. ONE. IT’S YOU’RE THE ONE WHO EARNS IT’S YOU’RE THE ONE WHO EARNS IT.

IT. YOU’RE THE ONE WHO INVESTS IT. YOU’RE THE ONE WHO INVESTS IT. YOU’RE THE ONE WHO SAVES IT, AND YOU’RE THE ONE WHO SAVES IT, AND YOU’RE THE ONE WHO’S GOING TO YOU’RE THE ONE WHO’S GOING TO LIVE. LIVE. >> WE’LL JUST GO TO YOU. >> WE’LL JUST GO TO YOU. YOU’RE OUR TRUSTED SOURCE. YOU’RE OUR TRUSTED SOURCE. >> COME ON, EVERYBODY, COME JOIN.

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Are 401(k)s a Financial Silver Bullet?

It’s hard to find something everybody agrees
on. Crunchy or smooth? Smooth. Mac or PC? Fries or onion rings? Fries. But if there’s one financial instrument
that seems universally beloved, it’s got to be the 401(k). Everybody loves ‘em! People delay saving for a home, building an
emergency fund, or even paying off high-interest debt in pursuit of this conquering hero: the
tall, dark, and handsome 401(k). My hero… There’s a whole lot to love with the 401(k). So saddle up and take a ride to find out what
makes this cowboy the darling of investors everywhere! The year was 1980, and The Revenue Act of
1978 was finally going into effect.

And deep in the bill was a tiny provision;
Section 401, Subsection K. Largely overlooked, Section 401(k) allowed employees to defer
taxes on bonuses and stock options — basically a way for rich executives to make more and
pay less tax on it. But everything changed in 1981 when the IRS
ruled that employees could also contribute from their SALARY. This was music to employer’s ears! Managing all those employee pensions was expensive,
complicated, and downright risky! Maybe this new fella, 401(k), could replace
the dusty old pensions of our grandpappies. Before long, 401(k) fever was spreading like
wildfire! By 1996, 401(k) accounts held over a trillion
dollars! How does it work? Fundamentally, a 401(k) is an employer-sponsored
investment account.

It lets you invest part of your paycheck and
receive a tax benefit for doing so. Like company-provided insurance programs,
you have to opt-in to participate. The most attractive feature is the “employer
match”. Translation: if you save for your future,
the boss rewards you with “free” money, matching your contribution dollar for dollar,
up to a limit. Around half of 401(k)s offer an employer
match and this “free money” can come to thousands of extra dollars! Then there’s the sweet tax breaks.

Depending on the type of 401(k), your contributions
could be “pre-tax”, meaning it lowers your taxable income for the year. OR, you can pay the tax now, and allow that
money to grow tax-free. The more you save, the less taxes you pay. Looking pretty spiffy over there, Mr. 401(k)! Oh — and don’t forget that your contributions
are being invested in stock and bond funds. We have Two Cents episodes about those if
you’re not sure how they work. Now you can just sit back and watch compound
interest fatten your herd! Free money, big tax breaks, and investment
growth! What’s not to love?! Hold your horses there, partner. While the 401(k) has a lot going for it, there
are a couple burrs under the saddle.

Like the risks of managing your own investment
portfolios instead of leaving it to the professionals. As 401(k)s soared in popularity during the
80’s and 90’s, billions of dollars flowed into risky sectors like tech-stocks. And when things came crashing down — like
they did twice in the 2000’s — many working folks were left adrift like a tumbleweed in
the wind. And did you know that “Mr 401(k)” doesn’t
work for free? A study by TD Ameritrade found that 73% of
participants didn’t know how much their 401(k) costs, while 37% weren’t aware they
were paying fees at all! Investment firms regularly rack up hefty fees
since nobody’s paying attention — with the average being around 1.4%! And remember that juicy employer “match”
we mentioned earlier? Well, that might not end up being yours thanks
to “401(k) vesting”.

Even though funds might appear in your account,
they’re only yours once you become “vested” — often 3 to 5 years after you get hired! With the vast majority of millennials only
expecting to stay in a job for a few years at the most, that’s a lot of “free money”
that never gets collected. Despite their perks, and general popularity,
401(k)s have left a societal legacy that’s, well, ugly. See, 401(k)s were originally designed to be
a supplement to worker pensions. For most of the 20th century, it was common
for workers to stay with a single employer for most of their lives. And for that loyalty, their company offered
a defined benefit pension for the worker’s golden years.

These plans offered steadiness and security,
with the employer watching over everyone’s plans — from the janitor to the CEO. By their peak in 1980, 38% of all private
sector workers had an employer pension. Today, thanks to the 401(k), only 13% of private
sector workers have a pension. And while 401(k)s have their perks, they're just not as stable or reliable. 401(k)s are also “opt-in,” which means
you aren’t automatically enrolled. Left to their own devices, many employees simply aren’t saving enough — if they’re saving at all. Of the 79% of workers eligible to save into
a 401(k), only 41% opt to participate. The National Institute on Retirement Security
finds that the median retirement savings balance is just $3,000 for all working-age households
and a mere $12,000 for those near-retirement! Most financial experts recommend a personal
retirement savings rate between 10 – 15%.

The real rates are between 1 and 3%. The 401(k) was designed to be the side-dish,
not the main course. Saddling workers with the “opportunity”
to manage their own retirements has created a national crisis in retirement preparedness. But the good news is that if you know its
place, and use it wisely, a 401(k) can be a great part of your financial toolkit. Since pensions are going the way of the horse
and buggy, you’ll need your 401(k) to be galloping double-time to keep from being left
in the dust.

Take advantage of it and you’ll be riding
into the sunset instead of off a cliff. And that’s our two cents! If you've been transitioned from a pension to a 401(k) tell us about experience in the comments!.

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Rethink Retirement – well-being beyond your bank account | Clare Davenport | TEDxBYU

Transcriber: Annet Johnson
Reviewer: gaith Takrity Do you ever dream of retirement? What’s your retirement dream? Is it pure bliss and relaxation? Can you almost feel that warm wind? Taste those fruity umbrella drinks? Lounging by the pool, endless games of golf,
walking on the beach? I’ve always loved vacations, haven’t you? So I think we’re really going to love
this constant vacation space in retirement too, right? It actually reminds me of a couple I know. Let’s call them, “Jeff and Jenny.” They’ve dreamt of retirement for years. Jeff had worked at the same company
for over 30 years. He knew everybody. He was the life of the place. And Jenny, she’d often worked two jobs
so they’d have enough.

They finally did. They moved to sunny Florida, of course. But something strange started to happen. Jeff seemed lost, lonely. They started to nip at each other. They started to quarrel. And Jenny, although she was
beginning to make community, really didn’t like to golf. She’d never been that sporty. She missed her long-time book club. She missed her best friends, her kids, her soon-to-be grandchild. What was going on? Had they not done everything right? They’d moved to sunny Florida. They’d worked with
a smart financial advisor. They’d saved enough. I ask you, if this is the dream vision
for retirement – You see it in the adverts. Why is it that so many are
dissatisfied at this age? Why is it that depression
increases by 40%? Why is it [that] substance abuse,
divorce rates are climbing? Why is everyone lonely? And people’s self-worth is low? Surely we can do better than this. Look, I’ve spent many years consulting and coaching and researching
the ideas, tools, and frameworks that best support us
during times of transition, like retirement. Look, I’m not here to tell you
whether you should or shouldn’t retire, because maybe you should
or maybe you shouldn’t.

It is up to you to design and discover. But I do want to share with you
what I know about these life changes, these life quakes, these life disruptors so we don’t end up
in a situation like Jeff and Jenny. Look, we know that transitions
are a regular part of life. They can be trying and triumphant. They can be predictable and unpredictable because life often
doesn’t follow a straight line. But my research and others’ shows us
that if we bring our intention and attention to them,
we can improve our well-being.

And we can improve our well-being
in retirement too. I like to think of it as an ROI,
a return on investment. But this time for our well-being. Think of it as the “ROI”
beyond our bank account, an investment portfolio
in human flourishing, your flourishing in retirement. Where “R” is where we reframe
our current definition of retirement. “O” is where we optimize
the well-being in retirement. And “I” is where we ignite
our way forward. So let’s “ROI,” Reframe, Optimize,
and Ignite, your retirement.

Let’s start with “R”: reframe. Let’s reframe your current
definition of retirement. Look, even the word retirement
sends shivers down my spine. I really don’t like that word much. And when I look up the word “retire”
in a thesaurus, I see the strangest words: retreat, remove, exit, my personal favorite, “go to bed.” And, although I get it – It is very, very tempting
to go to bed sometimes, it does imply that we are
fading from life when in fact these years can be
some of our best years, some of our most flourishing years. So then, how did it start? Well, historically, we never
abruptly retired. We gently moved from one stage
to another in life. And then rumor has it, this gentleman – I think he looks a bit scary, actually, German Chancellor, Otto Van Bismarck,
in 1889, created this idea, this invention of retirement
when he put in place disability insurance for those over 70.

This idea was radical. But other countries followed suit,
making retirement age between 65 and 70. But what’s interesting about
this time period of 1889 was the life expectancy
was less than 44 years. A far cry from our 80′ish years today. So to be clear, this definition
or invention of retirement is over 100 years old and we have almost doubled our lifespan. So surely, can we not all agree that
we need to reframe, rethink, redesign … our retirement definition? Next, let’s “O” of the ROI, let’s optimize. Let’s optimize our well-being
in retirement. And it’s here we can learn
from some great science and research. Edward Jones asked over 9,000 retirees, “What gives you fulfillment
in retirement?” Their answers: being authentic, spending
time with those they care for, they love, doing interesting things,
things that help them grow, and being generous, giving back.

Interestingly, money was
at the bottom of the list. And, look, we know that money can
bring us freedom and flexibility. But research consistently shows us
that above a base level, money is not the secret ingredient
to happiness in life or in retirement. It’s also interesting to examine
the disconnect between what retirees are thinking about – connection, contribution, community, and pre-retirees are thinking about, which is pretty much their bank accounts
and this vacation view of retirement. And when we look at
this vacation view of retirement, we find that over time it becomes the norm and starts to lack the joy it once did. It’s probably why
Berkeley researchers found that we have a sugar rush
of well-being when we first retire and then a year or two later
a fairly sharp decline. Behavioral economists might call it
hedonic adaptation, where one more umbrella drink, one more golf game just loses its sparkle. We can also look into the world
of positive psychology as we continue to “O”, optimize.

We can examine the science of
what makes for a good life, a happy life, a life better than fine. And it goes by the acronym, PERMAV. I like to think of it
as my well-being playbook where “P” is positive emotion,
feeling good, hopeful, inspired, loving. It’s like a micro moment of joy: a good laugh, a good meal. “E” is engagement. Having interests in pursuits that fully
captivate us and take us away: help us grow, our relationships, having loving and authentic relationships
with another, with groups, with communities. “M” is meaning, that sense of purpose,
something beyond ourselves. “A” is accomplishment, having positive progress in life. And “V” is vitality, investing in our bodies, in our minds,
because they both matter and they work together. Look, these elements collectively
make up our well-being. They matter, they work together, and we have to bring our attention
and intention to them because they can change.

So it’s super important
in retirement to focus on these. We can also learn from the
blue zones of the world, those zones where people
fully embrace the PERMAV elements. They live flourishing lives and they live
an extra 10 to 15 years than most of us. The word retirement doesn’t even exist. Take Marie, for example. She’s amazing. She's 101, has her own garden. walks over a mile a day,
volunteers five days a week, and spends a lot of time
with her great friends and her six great grandchildren. She is thriving. She is optimizing her retirement years. Next, “I” of the ROI. Let’s ignite our path forward. Let’s take action. Let’s explore ideas. Let's sneak up on the future. We know that life is not
a fixed destination but rather a continual design project.

There’s not one best option for us. There's many great options
for us in retirement. We also know to break down
our ideas and our actions. We break them down small, so we feel comfortable taking action. We have a conversation, we explore an idea, we learn something new, but in a safe way. So we take some action. We adjust and edit and we take a little more action
as we ignite our way forward. So in closing, I invite you, all of you, to have a conversation
about your retirement. But maybe a little differently this time. It is never too early
and it’s never too late. Let’s create a retirement canvas full of the colors and
textures of well-being and ignited by our boundless
designs and imaginations, like Jeff and Jenny did. They moved back from Florida. They still vacation there sometimes. They bought a smaller condo,
two doors down from their best friend. Jeff decided to go back to work part-time, and he’s taking improv
classes twice a week.

And Jenny, she’s enrolled
in doing a Masters in English and still loving her long-time book club. They are prioritizing their friends, their family, and their new grandchild. They are thriving. So … what about you? Let’s begin to ROI
your retirement chapter. Let’s start with “R”, refrain. What does retirement now mean to you? And what beliefs are
no longer serving you? “O”, optimize. Who and what will you prioritize and how will you use your many,
many strengths and skills? And how does this compare
with those you care for? And “I”, ignite. What is one small step
you could take today to better understand
your “retirement act,” knowing the best can be yet to come. Thank you. (Applause).

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I AM A MONEY MAGNET ~ Sleep Programming Affirmations For Abundance And Wealth ~ Millionaire Mindset!

Welcome to Growing Forever. You have an amazing power of abundance inside
you. Allow these affirmations to unleash that power,
and transform you into a money magnet Listen every day for best results. Now relax, close your eyes, and begin to breathe
slowly and deeply. With each breath, let your body relax. The ideas you are about to hear will become
your own. There is no need to say awake. The powerful affirmations you hear will be
absorbed by your subconscious mind, even while you sleep. So now relax, and breathe. And repeat in your mind as it is being said
out loud. I am a money magnet. I release all opposition to wealth. My life is prosperous. Money flows to me in ever increasing quantities,
from multiple sources, on a continuous basis. I am surrounded by money.

Abundance is my birthright. Wealth comes to me from many sources. I allow the universe to bless me with great
abundance now. I trust that I will create abundance. I am magnetic to money, and it is magnetic
to me. I move from poverty thinking to abundance
thinking. I am becoming more and more prosperous every
day. I was abundant, I am abundant, and will always
be abundant. Feeling joyful attracts abundance. I enjoy an abundance of money. Abundance flows easily to me. I think big. My consistent focus on abundance draws it
to me. I am now on the road to success, happiness,
and abundance. I love abundance, and I attract it easily. My prosperity is unlimited. I am now free to do the things I love. I choose wealth and abundance. I am a money magnet, money is constantly attracted
to me. I absolutely attract abundance. I enjoy my prosperity, and share it freely
with the world.

I am a loving and abundant person. I see opportunities all around me. I allow myself to have the good things in
life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me. Opportunities flow to me with ease. Prosperity is alive in each area of my life. I allow myself to prosper abundantly. I have unlimited abundance. I consciously create my own reality, and everything
in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs. I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
does to be poor. I now have massive amount of money. Through the power of my subconscious mind,
I effortlessly attract all the wealth I need and desire.

I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life. Every day in every way, my wealth is increasing. I have a surplus that I share freely with
others. Wealth is my birth right, my natural state
of being. Whatever activities I perform make money for
me. Prosperity comes to me quickly and easily. Money creates a positive impact in my life. I deserve to be abundant. Every day I am attracting and saving more
and more money. My prosperous thoughts create my prosperous
world. I respect my ability to attract wealth. I believe I have the right to be prosperous,
abundant, and successful.

When I think wealthy thoughts, I become more
wealthy in all aspects of my life. Abundance within me, abundance around me. I have the right to be prosperous. I expect and welcome good fortune in every
part of my life. The universe freely provides for all my needs. Abundance and harmony rule my world. Money comes to me easily and effortlessly,
even while I sleep. I rejoice that I am successful and abundant
in every way. Money flows to me in avalanches of abundance. I deserve and welcome financial abundance
in my life now. Wealth is circulating in my life. I am successful at everything I do. My money consciousness is always increasing. Money is my servant. I know that whatever I put out comes back
to me many times over. Money easily flows to me. I enjoy expressing my abundance. I believe that more abundance is coming to
me now. I use money wisely. Accumulating money comes easy to me. The money that comes to me today is a pleasure
to handle. My wealth is increasing massively everyday. I am now wealthy. I was prosperous, I am prosperous, and will
always be prosperous.

I deserve prosperity. I walk, talk, look, act, and know I am rich. I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life. I am grateful and happy for all I receive,
and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms.

I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right. I know that whatever I put out comes back
to me in streams of abundance. My wealth multiplies, and creates more wealth. I was born to be prosperous.

I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe. Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance. I am living the life of my wealthy dreams. I am growing more wealthy every day. I prosper in my finances. My prosperity thoughts create my prosperous
world. I allow myself to have the good things in
life, and enjoy them. I draw abundance like a magnet. I always have whatever I need. My ideas are incredible, and I have the creative
energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
to do or have.

I am a gracious giver and receiver. I project wealth and good fortune to every
person I meet. I am financially secure. I release all feelings of lack and limitation. Money flows easily to me. I welcome abundance into my life. I pay my bills with love since I know that
abundance flows through me. I love my abundance. I use money to better my life and the lives
of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
in my life.

I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously. I am wealthy. Every thought I have is now being transformed
into massive financial abundance. I clearly see opportunities to effortlessly
make money. More money is coming into my life. I am worthy of making more money. Money flows easily into my life. Money expands my life’s opportunities and
experiences. I have a responsibility to accumulate vast
sums of wealth. I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
unlimited now. I now draw the highest, best, and most prosperous
minded people to me. I create wealth easily and effortlessly. I am constantly increasing my income. My greatest good is here for me now. Money is flowing to me. Prosperity and abundance surround me. I am certain that my wealth is always perfect
for me. It is easy to accumulate a huge personal fortune. My income is constantly increasing.

I create all the wealth I desire. Being wealthy is my inherent right, and I
claim it now. I always feel wealthy. I allow myself to prosper. I am so happy to be wealthy. I have abundance in my life, and I am free
to do whatever I wish to do. Wealth constantly flows into my life. I deserve to be wealthy. I always have enough money to fulfill my needs. My wealth derives from honesty in everything
I do. I am growing richer and richer. I am easily led to the abundance I desire. I possess great wealth. I enjoy multiple streams of passive income. Financial security is constant in my life. My good now flows to me in streams of success,
happiness, and abundance. Every day in every way I am becoming more
and more prosperous. My wealth brings out the best in me. I make positive choices about what to do with
my abundance.

It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future. I constantly attract opportunities that create
more money. I am willing to be more abundant now. It is so easy to open to prosperity. It is easy for me to create wealth. I am a powerful money magnet. I can see abundance everywhere around me. I am surrounded by prosperity. I am wide awake to my good. I draw the highest, best, and most prosperous
minded people to me. Wealth is a positive expression of divine
energy.

Money always flows to me easily. I deserve unlimited abundance. Inspiration come to me easily. All my actions are profitable. I value my money. My grateful heart draws abundance like a magnet. Prosperity within me, prosperity around me. My bank balance is increasing every day. I deserve great sums of money, and use it
to help myself and others. I am always supplied with whatever I need. I give thanks for the prosperity which is
mine. I have everything I need for a joyous, abundant
life. I make the time to take charge of my money. I see money as a useful tool. I deserve to be successful and prosperous. I have financial abundance in my life now. I prosper wherever I turn, and deserve prosperity
of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow.

I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I
am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one. I am grateful for everything I receive in
life. It is natural for me to be successful. Money flows to me easily. I believe I have the right to be prosperous. I am deserving of abundance, no matter what. I
am abundant. I am worthy of great success.

I am creating money in my life. My wealth allows me to do whatever I wish. My life is full of all the abundance I desire. I am successful. Moneymaking opportunities are all around me. I now give and receive freely. I am ready for abundance. Everything goes my way. I am now on the road to Success, Happiness
and Abundance. I am in a state of fulfillment. My life is amazingly abundant. My income is constantly increasing. I easily attract wealth. Money flows to me in waves of abundance. I am abundant and prosperous. I automatically receive great wealth. All my bills are paid in full and I am still
wealthy. I give thanks that I am rich and happy. I am a winner, and I win big. I gladly accept gifts of money from others. My future is filled with prosperity. I know that I am abundant. Anyone can be prosperous. When I ask for abundance, it flows into my
life. I focus on abundance, and it is drawn to me.

I give money away, and then I receive even
more. I am exited about building wealth. I release my financial burdens, because I
know abundance is near. I choose to be positive and abundant in all
areas of my life. Money flows freely and openly into my life. I know there is ample prosperity for all. I place no limits on the amount of money I
can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
life, and the prosperity yet to come.

I am more wealthy than I ever imagined. I enjoy my prosperity and my life. Money and spirituality co-exist within me. I enjoy earning wealth. I always have more than enough money. I welcome abundance into my life. I radiate prosperity. I deserve success and abundance. I now create my wonderful, ideal life. It is so easy for me to open to prosperity.

I am relaxing into greater abundance. I attract prosperity with each thought I think. I am now accumulating vast amounts of wealth. People enjoy paying me for what I enjoy doing
the most. Abundance is always within reach. I now receive large sums of money, just for
being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance.

I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am
now receptive to unexpected gifts of wealth. My mind is a powerful magnet for profitable
ideas. Money is positive energy that takes care of
my worldly needs and desires. I deserve to be wealthy, prosperous and affluent. I am a money magnet. Every day my life is filled with wonderful
abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now. Every person is a golden link in the chain
of my abundance. I am thankful for the abundance and prosperity
in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied. I am healthy and wealthy. I have a financially stable future for my
family and myself. I release all negative beliefs about money
and invite wealth into my life.

I am in a constant state of fulfillment. I feel wealthy and successful. Abundance and prosperity are my birthright. I dissolve all false messages around creating
wealth. I attract prosperity. All resistance to prosperity dissolves away. I am abundant and wealthy now. I release all negative energy about money. I will always be prosperous. I am wide awake to my abundance. I use money to make the world a better place. I boldly seize opportunities. Each day is filled with endless expressions
of abundance. I am free to accumulate wealth. I am successful in everything I do. I am only positive towards abundance. Each year, my money increases faster than
I spend it. Abundance within me, abundance around me. I respect my abilities, and always work to
my wealthy potential. I open myself to receive the abundance of
the universe. Every dollar I spend returns to me massively
multiplied. I invite wealth into my life. The universe constantly supplies money to
me. I am a rich person. I now release the goldmine within me.

The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
in great abundance. I notice prosperity all around me. My wealth continues to grow. I am grateful for the money flowing in my
life. I am like a magnet to money. I pay all my bills on time an with ease. I am moving towards money. I will reach my goals joyfully and easily. I love abundance in all its beautiful forms. My greatest good is coming to me now.

I always have enough money for all that I
need. I am now rich, well, and happy. I always have more than enough abundance. The universe wants me to have great abundance. Perfect abundance is my chosen reality. I am now open to receive. My circumstances are changing, and prosperity
is flowing into my life. My good now flows to me in a steady stream
of abundance. My wealth allows me to do whatever I wish,
whenever I want.

Abundance is mine. I can and will have more than I ever dreamed
possible. I attract money to me and I am attracted to
money. My mind attracts amazing wealth. Creating wealth is my second nature. I enjoy making money, and strive to have fun
in every aspect of my life. I am a money magnet, and money is constantly
attracted to me. I know how to make money. I let go of all struggle within, which allows
me to attract abundance. I create prosperity in my life. I can easily handle massive wealth. I tap into the infinite wealth of the universe. There is limitless supply, and it is mine. Abundance is within me, abundance is around
me. I clearly see opportunities to make money. I am grateful for my wealth. Money enhances my attitude. My resistance to prosperity has dissolved. My income is growing higher and higher. I allow all good things to come into my life,
and I enjoy them. I was born to be wealthy. The more wealth I give, the more my wealth
explodes. Wealth and prosperity circulate in my life. Money is an important part of my life, and
is never away from me.

I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy. Money is forever circulating in my life, there
is always a surplus. My income is growing higher and higher now. I deserve to be abundant and prosperous. The more money I have, the more money I can
use to help myself and others. I am filled with great abundance now. I am wealthy and successful. I am now surrounded by an ocean of wealth,
and I draw from this ocean all I need. Wealth finds me. I am open to abundance. I realize that I can help others with my wealth,
so I stay wealthy. Money allows me to have joy and comfort. I see myself as wealthy, and that’s who
I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine. I awaken each morning excited to pursue my
passion. I live an independent life that I design however
I want.

Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
thinking, and my prosperity grows. I let go of all resistance to prosperity,
and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do. I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy. My subconscious mind radiates abundance. I enjoy the energy of money. Life hands me as much abundance as I am want
to accept.

I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do. I am prosperous, healthy and wealthy. Being grateful for all that I have draws even
more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
met. I recognize and embrace wealth building opportunities. The seeds of great wealth are inside me. I am destined to find prosperity in everything
I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially. The more grateful I am, the more reasons I
find to be grateful.

I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life.

I am skilled at creating assets that make
me wealthy. I can easily imagine myself having limitless
abundance. I am worthy of abundance. Abundance is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what. My income increases every day whether I am
working, playing, or sleeping. All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily. I love and respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The
only limits to my abundance is my subconscious mind. I am gracious for the wealth I have in my
life. I have plenty of time and money. I am a millionaire. I am now in the process of attracting abundance. prosperity is flowing into my life. My prosperity is unlimited. My income is growing higher and higher now. I enjoy a steady flow of positive energy.

I love spending money on my favorite causes. Money is a state of consciousness that supports
me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me. I have more money than I could ever dream
of. I give myself permission to be financially
aware. I have the power to attract money. I create prosperity easily and effortlessly. I release all resistance to money. Prosperity follows everything I do. Money is always circulating freely in my life.

I expand my awareness of the abundance around
me. I am filled with great abundance now. I am the source of my abundance. I define success my way, and I create it. I deserve to prosper in everything I do. My good now flows to me in streams of success,
happiness, and abundance. My money is now creating more money. Wealth flows easily into my life. I am successful because I know what I want,
and I ask for it. The only limit to my abundance is me. Money exist in harmony within me.

I am extremely successful. I respect my abilities to generate wealth. I will find one idea that will change my financial
destiny. I tap the infinite wealth of the universe. I attract prosperity like a powerful magnet. I am a wealth creator, so I am always wealthy. I expect lavish abundance every day in every
way. I am
successful because I know what I want. I embrace my abundance. I always get what I wish for. Money and I are friends. Money comes to me easily and abundantly. I recognize and embrace my ability to manifest
my desires. I am a money magnet, and money comes to me
now. I am always learning new ways to create financial
abundance. I am now creating all of the wealth I want
and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day.

I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need. I release all negativity around building wealth. I can be prosperous. The more money I have the more money I have
to give. The whole universe is conspiring to make me
prosperous and abundant. Abundance and I are one. I know that the world is prosperous. I am now earning a large income doing what
satisfies me. I am always reaching my goals. Abundance is mine. I look for and receive an abundant supply. All of my debts are paid in full.

I work to my full potential. I can be, do, and have anything I want. I will live life abundantly. I am debt free, and money is constantly flowing
into my life. I will be productive and prosperous today. I have unlimited abundance. Abundance is my divine birthright. I
am worthy of receiving abundance. I am free to do whatever I wish. I enjoy creating value for the people that
give me money. Money is good. It is so easy for me to become a millionaire. Money comes to me easily and effortlessly. The universe provides more than enough abundance
in my life. I respect my ability to generate wealth. My life is full the material things need. My money is growing. There is always abundance in my life. I am now creating multiple streams of income. Abundance flows easily when I relax and let
it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
I always have more than enough money. I am worthy of the finest life has to offer. Something wonderful will happen to me today.

I allow myself to make large sums of money. I am rich and wonderful. Every dollar I spend comes back to me multiplied. Unexpected income flows to me. Large amounts of money are coming my way. Wealth comes to me now. I am open to the flow of abundance in all
areas of my life. The universe is conspiring to make me prosperous
and abundant. This day is filled with endless expressions
of abundance. My financial abundance is now exploding. I am now aligned with abundance. Money flows freely in my life. I am now creating all the financial abundance
that I desire. I am so happy to be wealthy. I give myself permission to change my relationship
with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me. Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now.

Money is constantly circulating in my life. I am worthy of receiving prosperity now. My life is full of the material things need. I release the need to live in lack and limitation. My life is full of love and joy, and all the
material things I need. I expect the best and I get it now. The universe has chosen me to be wealthy so
that I can help others with my wealth.

I deserve to be wealthy because I create my
wealth. I am happy being rich. I am successful in every way. My good now comes to pass, the unexpected
now happens. Prosperity is mine and I choose to live it. I have everything I could ever need or want. My loved ones enjoy, respect, and appreciate
my financial knowledge, power, and success. I am easily accepting abundance in my life
now. Money is positive energy. Wealth flows to me easily and abundantly. I am a money magnet. I release all opposition to wealth.

My life is prosperous. Money flows to me in ever increasing quantities,
from multiple sources, on a continuous basis. I am surrounded by money. Abundance is my birthright. Wealth comes to me from many sources. I allow the universe to bless me with great
abundance now. I trust that I will create abundance. I am magnetic to money, and it is magnetic
to me. I move from poverty thinking to abundance
thinking. I am becoming more and more prosperous every
day. I was abundant, I am abundant, and will always
be abundant. Feeling joyful attracts abundance. I enjoy an abundance of money. Abundance flows easily to me. I think big. My consistent focus on abundance draws it
to me. I am now on the road to success, happiness,
and abundance. I love abundance, and I attract it easily. My prosperity is unlimited. I am now free to do the things I love. I choose wealth and abundance.

I am a money magnet, money is constantly attracted
to me. I absolutely attract abundance. I enjoy my prosperity, and share it freely
with the world. I am a loving and abundant person. I see opportunities all around me. I allow myself to have the good things in
life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me. Opportunities flow to me with ease.

Prosperity is alive in each area of my life. I allow myself to prosper abundantly. I have unlimited abundance. I consciously create my own reality, and everything
in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs.

I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
does to be poor. I now have massive amount of money. Through the power of my subconscious mind,
I effortlessly attract all the wealth I need and desire. I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life.

Every day in every way, my wealth is increasing. I have a surplus that I share freely with
others. Wealth is my birth right, my natural state
of being. Whatever activities I perform make money for
me. Prosperity comes to me quickly and easily. Money creates a positive impact in my life. I deserve to be abundant. Every day I am attracting and saving more
and more money.

My prosperous thoughts create my prosperous
world. I respect my ability to attract wealth. I
believe I have the right to be prosperous, abundant, and successful. When I think wealthy thoughts, I become more
wealthy in all aspects of my life. Abundance within me, abundance around me. I have the right to be prosperous. I expect and welcome good fortune in every
part of my life. The universe freely provides for all my needs. Abundance and harmony rule my world.

Money comes to me easily and effortlessly,
even while I sleep. I rejoice that I am successful and abundant
in every way. Money flows to me in avalanches of abundance. I deserve and welcome financial abundance
in my life now. Wealth is circulating in my life. I am successful at everything I do. My money consciousness is always increasing. Money is my servant. I know that whatever I put out comes back
to me many times over. Money easily flows to me. I enjoy expressing my abundance. I believe that more abundance is coming to
me now. I use money wisely. Accumulating money comes easy to me. The money that comes to me today is a pleasure
to handle. My wealth is increasing massively everyday. I am now wealthy. I was prosperous, I am prosperous, and will
always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich. I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life.

I am grateful and happy for all I receive,
and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world.

I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

I know that whatever I put out comes back
to me in streams of abundance. My wealth multiplies, and creates more wealth. I was born to be prosperous. I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe. Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance.

I am living the life of my wealthy dreams. I am growing more wealthy every day. I prosper in my finances. My prosperity thoughts create my prosperous
world. I allow myself to have the good things in
life, and enjoy them. I draw abundance like a magnet. I always have whatever I need. My ideas are incredible, and I have the creative
energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
to do or have. I am a gracious giver and receiver. I project wealth and good fortune to every
person I meet. I am financially secure.

I release all feelings of lack and limitation. Money flows easily to me. I welcome abundance into my life. I pay my bills with love since I know that
abundance flows through me. I love my abundance. I use money to better my life and the lives
of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
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my life.

This is a rich universe and there is plenty
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family and myself.

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and better. I define wealth and success my way, and I
create it.

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now.

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into my life.

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ways. I see myself as wealthy and that’s who I
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all of its forms. I enjoy my prosperity and share it freely
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life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently.

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energy to bring them to life.

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they will or not. I always find a way to finance what I want
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of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
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in my life. I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously.

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experiences. I have a responsibility to accumulate vast
sums of wealth. I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
unlimited now. I now draw the highest, best, and most prosperous
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for me. It is easy to accumulate a huge personal fortune. My income is constantly increasing. I create all the wealth I desire. Being wealthy is my inherent right, and I
claim it now.

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to do whatever I wish to do. Wealth constantly flows into my life. I deserve to be wealthy. I always have enough money to fulfill my needs. My wealth derives from honesty in everything
I do. I am growing richer and richer. I am easily led to the abundance I desire. I possess great wealth. I enjoy multiple streams of passive income. Financial security is constant in my life. My good now flows to me in streams of success,
happiness, and abundance. Every day in every way I am becoming more
and more prosperous. My wealth brings out the best in me. I make positive choices about what to do with
my abundance.

It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future. I constantly attract opportunities that create
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minded people to me. Wealth is a positive expression of divine
energy. Money always flows to me easily. I deserve unlimited abundance. Inspiration come to me easily.

All my actions are profitable. I value my money. My grateful heart draws abundance like a magnet. Prosperity within me, prosperity around me. My bank balance is increasing every day. I deserve great sums of money, and use it
to help myself and others. I am always supplied with whatever I need. I give thanks for the prosperity which is
mine. I have everything I need for a joyous, abundant
life.

I make the time to take charge of my money. I see money as a useful tool. I deserve to be successful and prosperous. I have financial abundance in my life now. I prosper wherever I turn, and deserve prosperity
of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I
am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one.

I am grateful for everything I receive in
life. It is natural for me to be successful. Money flows to me easily. I believe I have the right to be prosperous. I am deserving of abundance, no matter what. I am abundant. I am worthy of great success. I am creating money in my life. My wealth allows me to do whatever I wish. My life is full of all the abundance I desire. I am successful. Moneymaking opportunities are all around me. I now give and receive freely. I am ready for abundance. Everything goes my way. I am now on the road to Success, Happiness
and Abundance. I am in a state of fulfillment. My life is amazingly abundant. My income is constantly increasing. I easily attract wealth. Money flows to me in waves of abundance.

I am abundant and prosperous. I automatically receive great wealth. All my bills are paid in full and I am still
wealthy. I give thanks that I am rich and happy. I am a winner, and I win big. I gladly accept gifts of money from others. My future is filled with prosperity. I know that I am abundant. Anyone can be prosperous. When I ask for abundance, it flows into my
life. I focus on abundance, and it is drawn to me.

I give money away, and then I receive even
more. I am exited about building wealth. I release my financial burdens, because I
know abundance is near. I choose to be positive and abundant in all
areas of my life. Money flows freely and openly into my life. I know there is ample prosperity for all. I place no limits on the amount of money I
can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
life, and the prosperity yet to come. I am more wealthy than I ever imagined. I
enjoy my prosperity and my life. Money and spirituality co-exist within me. I enjoy earning wealth. I always have more than enough money. I welcome abundance into my life. I radiate prosperity. I deserve success and abundance. I now create my wonderful, ideal life. It is so easy for me to open to prosperity. I am relaxing into greater abundance. I attract prosperity with each thought I think. I am now accumulating vast amounts of wealth. People enjoy paying me for what I enjoy doing
the most.

Abundance is always within reach. I now receive large sums of money, just for
being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am now receptive to unexpected gifts of
wealth. My mind is a powerful magnet for profitable
ideas. Money is positive energy that takes care of
my worldly needs and desires. I deserve to be wealthy, prosperous and affluent. I am a money magnet. Every day my life is filled with wonderful
abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now. Every person is a golden link in the chain
of my abundance. I am thankful for the abundance and prosperity
in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied.

I am healthy and wealthy. I have a financially stable future for my
family and myself. I release all negative beliefs about money
and invite wealth into my life. I am in a constant state of fulfillment. I feel wealthy and successful. Abundance and prosperity are my birthright. I dissolve all false messages around creating
wealth. I attract prosperity. All resistance to prosperity dissolves away. I am abundant and wealthy now. I release all negative energy about money. I will always be prosperous. I am wide awake to my abundance. I use money to make the world a better place.

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me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
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and those that I love.

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day.

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is mine. I am thankful for the unlimited flow of good
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to me. It takes less effort to be wealthy than it
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way. I
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all of its forms. I enjoy my prosperity and share it freely
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whatever I want. People enjoy giving me money.

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mine. I have everything I need for a joyous, abundant
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of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
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in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
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income. I enjoy sharing my wealth. I am open to receiving the abundance of the
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life. It is natural for me to be successful.

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more. I am exited about building wealth. I release my financial burdens, because I
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can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
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being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am now receptive to unexpected gifts of
wealth. My mind is a powerful magnet for profitable
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abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now.

Every person is a golden link in the chain
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in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied. I am healthy and wealthy. I have a financially stable future for my
family and myself. I release all negative beliefs about money
and invite wealth into my life.

I am in a constant state of fulfillment. I feel wealthy and successful. Abundance and prosperity are my birthright. I dissolve all false messages around creating
wealth. I attract prosperity. All resistance to prosperity dissolves away. I am abundant and wealthy now. I release all negative energy about money. I will always be prosperous. I am wide awake to my abundance. I use money to make the world a better place. I boldly seize opportunities. Each day is filled with endless expressions
of abundance. I am free to accumulate wealth. I am successful in everything I do. I am only positive towards abundance. Each year, my money increases faster than
I spend it.

Abundance within me, abundance around me. I respect my abilities, and always work to
my wealthy potential. I
open myself to receive the abundance of the universe. Every dollar I spend returns to me massively
multiplied. I invite wealth into my life. The universe constantly supplies money to
me. I am a rich person. I now release the goldmine within me. The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth.

I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
in great abundance. I notice prosperity all around me. My wealth continues to grow. I am grateful for the money flowing in my
life. I am like a magnet to money. I pay all my bills on time an with ease. I am moving towards money. I will reach my goals joyfully and easily. I love abundance in all its beautiful forms. My greatest good is coming to me now. I always have enough money for all that I
need. I am now rich, well, and happy. I always have more than enough abundance. The universe wants me to have great abundance. Perfect abundance is my chosen reality. I am now open to receive. My circumstances are changing, and prosperity
is flowing into my life.

My good now flows to me in a steady stream
of abundance. My wealth allows me to do whatever I wish,
whenever I want. Abundance is mine. I can and will have more than I ever dreamed
possible. I attract money to me and I am attracted to
money. My mind attracts amazing wealth. Creating wealth is my second nature. I enjoy making money, and strive to have fun
in every aspect of my life. I am a money magnet, and money is constantly
attracted to me. I know how to make money. I let go of all struggle within, which allows
me to attract abundance. I create prosperity in my life. I can easily handle massive wealth. I tap into the infinite wealth of the universe. There is limitless supply, and it is mine. Abundance is within me, abundance is around
me. I clearly see opportunities to make money. I am grateful for my wealth. Money enhances my attitude. My resistance to prosperity has dissolved. My income is growing higher and higher.

I allow all good things to come into my life,
and I enjoy them. I was born to be wealthy. The more wealth I give, the more my wealth
explodes. Wealth and prosperity circulate in my life. Money is an important part of my life, and
is never away from me. I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy. Money is forever circulating in my life, there
is always a surplus. My income is growing higher and higher now.

I deserve to be abundant and prosperous. The more money I have, the more money I can
use to help myself and others. I am filled with great abundance now. I am wealthy and successful. I am now surrounded by an ocean of wealth,
and I draw from this ocean all I need. Wealth finds me. I am open to abundance. I realize that I can help others with my wealth,
so I stay wealthy. Money allows me to have joy and comfort. I see myself as wealthy, and that’s who
I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine. I awaken each morning excited to pursue my
passion. I live an independent life that I design however
I want. Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
thinking, and my prosperity grows.

I let go of all resistance to prosperity,
and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do.

I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy. My subconscious mind radiates abundance. I enjoy the energy of money. Life hands me as much abundance as I am want
to accept. I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do. I am prosperous, healthy and wealthy. Being grateful for all that I have draws even
more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
met. I recognize and embrace wealth building opportunities. The seeds of great wealth are inside me.

I am destined to find prosperity in everything
I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially. The more grateful I am, the more reasons I
find to be grateful. I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life. I am skilled at creating assets that make
me wealthy. I can easily imagine myself having limitless
abundance. I am worthy of abundance. Abundance
is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what.

My income increases every day whether I am
working, playing, or sleeping. All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily. I love and
respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The
only limits to my abundance is my subconscious mind. I am gracious for the wealth I have in my
life. I have plenty of time and money. I am a millionaire. I am now in the process of attracting abundance. prosperity is flowing into my life.

My prosperity is unlimited. My income is growing higher and higher now. I
enjoy a steady flow of positive energy. I love spending money on my favorite causes. Money is a state of consciousness that supports
me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me. I have more money than I could ever dream
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me. I am filled with great abundance now.

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my desires. I am a money magnet, and money comes to me
now.

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and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day. I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need.

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satisfies me. I am always reaching my goals. Abundance is mine. I look for and receive an abundant supply. All of my debts are paid in full.

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it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
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that I desire.

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of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now.

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day. I was abundant, I am abundant, and will always
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is mine. I am thankful for the unlimited flow of good
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to me. It takes less effort to be wealthy than it
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life. Money flows to me. I am wealthy. I am free to choose what I want to experience
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others. Wealth is my birth right, my natural state
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world. I respect my ability to attract wealth. I believe I have the right to be prosperous,
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always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich.

I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life. I am grateful and happy for all I receive,
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brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

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to me in streams of abundance. My
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whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth.

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for me.

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of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now.

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in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
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income. I enjoy sharing my wealth. I am open to receiving the abundance of the
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life.

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can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
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being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision.

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my wealthy potential. I open myself to receive the abundance of
the universe. Every dollar I spend returns to me massively
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me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive.

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is flowing into my life. My good now flows to me in a steady stream
of abundance.

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possible. I attract money to me and I am attracted to
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in every aspect of my life. I am a money magnet, and money is constantly
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is never away from me. I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy.

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I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine. I awaken each morning excited to pursue my
passion.

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I want. Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
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and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do. I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy. My subconscious mind radiates abundance. I enjoy the energy of money. Life hands me as much abundance as I am want
to accept. I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do.

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more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
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I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially.

The more grateful I am, the more reasons I
find to be grateful. I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life. I am skilled at creating assets that make
me wealthy. I can easily imagine myself having limitless
abundance. I am worthy of abundance.

Abundance
is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what. My income increases every day whether I am
working, playing, or sleeping. All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily. I love and respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The only limits to my abundance is my subconscious
mind.

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me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me.

I have more money than I could ever dream
of. I give myself permission to be financially
aware. I have the power to attract money. I create prosperity easily and effortlessly. I release all resistance to money. Prosperity follows everything I do. Money is always circulating freely in my life. I expand my awareness of the abundance around
me. I am filled with great abundance now. I am the source of my abundance. I define success my way, and I create it. I deserve to prosper in everything I do.

My good now flows to me in streams of success,
happiness, and abundance. My money is now creating more money. Wealth flows easily into my life. I am successful because I know what I want,
and I ask for it. The only limit to my abundance is me. Money exist in harmony within me. I am extremely successful. I respect my abilities to generate wealth. I
will find one idea that will change my financial destiny. I tap the infinite wealth of the universe. I attract prosperity like a powerful magnet. I am a wealth creator, so I am always wealthy. I expect lavish abundance every day in every
way. I am successful because I know what I want. I embrace my abundance.

I always get what I wish for. Money and I are friends. Money comes to me easily and abundantly. I recognize and embrace my ability to manifest
my desires. I am a money magnet, and money comes to me
now. I am always learning new ways to create financial
abundance. I am now creating all of the wealth I want
and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day. I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need. I release all negativity around building wealth. I can be prosperous. The more money I have the more money I have
to give. The whole universe is conspiring to make me
prosperous and abundant. Abundance and I are one. I know that the world is prosperous. I am now earning a large income doing what
satisfies me. I am always reaching my goals. Abundance is mine.

I look for and receive an abundant supply. All of my debts are paid in full. I work to my full potential. I
can be, do, and have anything I want. I will live life abundantly. I am debt free, and money is constantly flowing
into my life. I will be productive and prosperous today. I have unlimited abundance. Abundance is my divine birthright. I am worthy of receiving abundance. I am free to do whatever I wish. I enjoy creating value for the people that
give me money. Money is good. It is so easy for me to become a millionaire. Money comes to me easily and effortlessly. The universe provides more than enough abundance
in my life.

I respect my ability to generate wealth. My life is full the material things need. My money is growing. There is always abundance in my life. I am now creating multiple streams of income. Abundance flows easily when I relax and let
it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
I always have more than enough money. I am worthy of the finest life has to offer. Something wonderful will happen to me today. I allow myself to make large sums of money. I am rich and wonderful. Every dollar I spend comes back to me multiplied. Unexpected income flows to me. Large amounts of money are coming my way.

Wealth comes to me now. I am open to the flow of abundance in all
areas of my life. The universe is conspiring to make me prosperous
and abundant. This day is filled with endless expressions
of abundance. My financial abundance is now exploding. I am now aligned with abundance. Money flows freely in my life. I am now creating all the financial abundance
that I desire. I am so happy to be wealthy. I give myself permission to change my relationship
with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me.

Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now. Money is constantly circulating in my life. I am worthy of receiving prosperity now. My life is full of the material things need. I release the need to live in lack and limitation. My life is full of love and joy, and all the
material things I need. I expect the best and I get it now.

The universe has chosen me to be wealthy so
that I can help others with my wealth. I deserve to be wealthy because I create my
wealth. I am happy being rich. I am successful in every way. My good now comes to pass, the unexpected
now happens. Prosperity is mine and I choose to live it. I have everything I could ever need or want. My loved ones enjoy, respect, and appreciate
my financial knowledge, power, and success. I
am easily accepting abundance in my life now. Money is positive energy. Wealth flows to me easily and abundantly. I am a money magnet. I release all opposition to wealth. My life is prosperous. Money flows to me in ever increasing quantities,
from multiple sources, on a continuous basis.

I am surrounded by money. Abundance is my birthright. Wealth comes to me from many sources. I allow the universe to bless me with great
abundance now. I trust that I will create abundance. I am magnetic to money, and it is magnetic
to me. I move from poverty thinking to abundance
thinking. I am becoming more and more prosperous every
day. I was abundant, I am abundant, and will always
be abundant. Feeling joyful attracts abundance. I enjoy an abundance of money. Abundance flows easily to me. I think big. My consistent focus on abundance draws it
to me. I am now on the road to success, happiness,
and abundance. I love abundance, and I attract it easily. My prosperity is unlimited. I am now free to do the things I love. I choose wealth and abundance. I am a money magnet, money is constantly attracted
to me.

I absolutely attract abundance. I enjoy my prosperity, and share it freely
with the world. I am a loving and abundant person. I see opportunities all around me. I allow myself to have the good things in
life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me. Opportunities flow to me with ease. Prosperity is alive in each area of my life. I allow myself to prosper abundantly. I have unlimited abundance. I consciously create my own reality, and everything
in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs.

I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
does to be poor. I now have massive amount of money. Through the power of my subconscious mind,
I effortlessly attract all the wealth I need and desire. I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life. Every day in every way, my wealth is increasing. I have a surplus that I share freely with
others. Wealth is my birth right, my natural state
of being. Whatever activities I perform make money for
me. Prosperity comes to me quickly and easily.

Money creates a positive impact in my life. I deserve to be abundant. Every day I am attracting and saving more
and more money. My prosperous thoughts create my prosperous
world. I respect my ability to attract wealth. I
believe I have the right to be prosperous, abundant, and successful. When I think wealthy thoughts, I become more
wealthy in all aspects of my life. Abundance within me, abundance around me. I have the right to be prosperous. I expect and welcome good fortune in every
part of my life. The universe freely provides for all my needs. Abundance and harmony rule my world. Money comes to me easily and effortlessly,
even while I sleep. I rejoice that I am successful and abundant
in every way. Money flows to me in avalanches of abundance.

I deserve and welcome financial abundance
in my life now. Wealth is circulating in my life. I am successful at everything I do. My money consciousness is always increasing. Money is my servant. I know that whatever I put out comes back
to me many times over. Money easily flows to me. I enjoy expressing my abundance. I believe that more abundance is coming to
me now. I use money wisely. Accumulating money comes easy to me. The money that comes to me today is a pleasure
to handle.

My wealth is increasing massively everyday. I am now wealthy. I was prosperous, I am prosperous, and will
always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich. I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life. I am grateful and happy for all I receive,
and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways.

I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

I know that whatever I put out comes back
to me in streams of abundance. My wealth multiplies, and creates more wealth. I was born to be prosperous. I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe.

Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance. I am living the life of my wealthy dreams. I am growing more wealthy every day. I prosper in my finances. My prosperity thoughts create my prosperous
world. I allow myself to have the good things in
life, and enjoy them. I draw abundance like a magnet. I always have whatever I need. My ideas are incredible, and I have the creative
energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
to do or have.

I am a gracious giver and receiver. I project wealth and good fortune to every
person I meet. I am financially secure. I release all feelings of lack and limitation. Money flows easily to me. I welcome abundance into my life. I pay my bills with love since I know that
abundance flows through me. I love my abundance. I use money to better my life and the lives
of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
in my life. I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously. I am wealthy. Every thought I have is now being transformed
into massive financial abundance. I clearly see opportunities to effortlessly
make money. More money is coming into my life. I am worthy of making more money.

Money flows easily into my life. Money expands my life’s opportunities and
experiences. I have a responsibility to accumulate vast
sums of wealth. I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
unlimited now. I now draw the highest, best, and most prosperous
minded people to me. I create wealth easily and effortlessly. I am constantly increasing my income. My greatest good is here for me now. Money is flowing to me. Prosperity and abundance surround me. I am certain that my wealth is always perfect
for me. It is easy to accumulate a huge personal fortune. My income is constantly increasing. I create all the wealth I desire. Being wealthy is my inherent right, and I
claim it now. I always feel wealthy. I allow myself to prosper. I am so happy to be wealthy. I have abundance in my life, and I am free
to do whatever I wish to do.

Wealth constantly flows into my life. I deserve to be wealthy. I always have enough money to fulfill my needs. My wealth derives from honesty in everything
I do. I am growing richer and richer. I am easily led to the abundance I desire. I possess great wealth. I enjoy multiple streams of passive income. Financial security is constant in my life. My good now flows to me in streams of success,
happiness, and abundance. Every day in every way I am becoming more
and more prosperous. My wealth brings out the best in me. I make positive choices about what to do with
my abundance. It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future. I constantly attract opportunities that create
more money. I am willing to be more abundant now. It is so easy to open to prosperity. It is easy for me to create wealth. I am a powerful money magnet.

I can see abundance everywhere around me. I am surrounded by prosperity. I am wide awake to my good. I draw the highest, best, and most prosperous
minded people to me. Wealth is a positive expression of divine
energy. Money always flows to me easily. I deserve unlimited abundance. Inspiration come to me easily. All my actions are profitable. I value my money. My grateful heart draws abundance like a magnet. Prosperity within me, prosperity around me. My bank balance is increasing every day. I deserve great sums of money, and use it
to help myself and others.

I am always supplied with whatever I need. I give thanks for the prosperity which is
mine. I have everything I need for a joyous, abundant
life. I make the time to take charge of my money. I see money as a useful tool. I deserve to be successful and prosperous. I have financial abundance in my life now. I prosper wherever I turn, and deserve prosperity
of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life.

This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one. I am grateful for everything I receive in
life. It is natural for me to be successful. Money flows to me easily. I believe I have the right to be prosperous..

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Retirement Planning FACTORS | Age and Income

what to look for when selecting the right 
retirement plan so age is a big factor when   it comes to deciding which plan is right for you 
if you're offered a pension that's fantastic not   many companies do offer those nowadays however 
if you have the benefit of getting one then yes   take it but I also think you should also have a 
retirement plan in addition to your pension just   to diversify your savings another situation to 
consider is your financial situation so someone   with a higher income level is most likely going 
to want to prefer choosing their own retirement   plan because then they're going to be able to 
not only write off those contributions but also   distribute it later in life so it maximizes their 
potential to not incur penalties or other taxable   income kind of situations essentially the more 
money you make you're looking for more write-offs   you're looking to claim less you're looking to 
you know have security but you got to be a little   more deaf and clever in how you're taking your 
distributions so to not trigger taxable events

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How To Save For Retirement: Suze Orman Shares Her Best Money Advice | TODAY

>>> AND WE’RE BACK WITH OUR >>> AND WE’RE BACK WITH OUR SPECIAL SERIES LIVING LONGER SPECIAL SERIES LIVING LONGER TODAY, EXPLORING WAYS TO LIVER TODAY, EXPLORING WAYS TO LIVER NOT ONLY LONGER BUT BETTER. NOT ONLY LONGER BUT BETTER. >> THIS MORNING WE’RE FOCUSING >> THIS MORNING WE’RE FOCUSING ON YOUR FINANCES AND THE NEW ON YOUR FINANCES AND THE NEW ADVICE EXPERTS ARE GIVING TO ADVICE EXPERTS ARE GIVING TO MAKE YOUR MONEY REALLY LAST. MAKE YOUR MONEY REALLY LAST. >> THE GOOD NEWS AMERICANS ARE >> THE GOOD NEWS AMERICANS ARE LIVING LONGER, WHAT THAT MEANS, LIVING LONGER, WHAT THAT MEANS, A NEW FOCUS ON MAKING YOUR MONEY A NEW FOCUS ON MAKING YOUR MONEY LAST.

LAST. >> AS YOU’RE PLANNING FOR YOUR >> AS YOU’RE PLANNING FOR YOUR FUTURE, DON’T UNDERESTIMATE HOW FUTURE, DON’T UNDERESTIMATE HOW LONG YOU’RE GOING TO LIVE. LONG YOU’RE GOING TO LIVE. >> IN FACT, ABOUT ONE OUT OF >> IN FACT, ABOUT ONE OUT OF EVERY FOUR 65-YEAR-OLDS TODAY EVERY FOUR 65-YEAR-OLDS TODAY WILL LIVE PAST 90. WILL LIVE PAST 90. >> THE OLD ADVICE USED TO BE >> THE OLD ADVICE USED TO BE THAT AS YOU’RE PLANNING FOR THAT AS YOU’RE PLANNING FOR RETIREMENT EXPECT TO LIVE INTO RETIREMENT EXPECT TO LIVE INTO YOUR 80s. YOUR 80s. NOW THE EXPECTATION IS THAT NOW THE EXPECTATION IS THAT YOU’LL HAVE A GOOD CHANCE OF YOU’LL HAVE A GOOD CHANCE OF LIVING INTO YOUR 90s, MAYBE EVEN LIVING INTO YOUR 90s, MAYBE EVEN CELEBRATING YOUR 100th BIRTHDAY.

CELEBRATING YOUR 100th BIRTHDAY. >> WITH LONGEVITY CAN COME THE >> WITH LONGEVITY CAN COME THE ADDED STRESS TO SAVE MORE. ADDED STRESS TO SAVE MORE. >> PLANNING FOR THE FUTURE HAS >> PLANNING FOR THE FUTURE HAS BECOME A LOT MORE CHALLENGING BECOME A LOT MORE CHALLENGING AND REALLY THE ONUS IS NOW ON AND REALLY THE ONUS IS NOW ON THE INDIVIDUAL MORE THAN EVER.

THE INDIVIDUAL MORE THAN EVER. >> SO HOW DO WE MAKE SURE WE’RE >> SO HOW DO WE MAKE SURE WE’RE FINANCIALLY PREPARED FOR ALL FINANCIALLY PREPARED FOR ALL THOSE EXTRA YEARS? THOSE EXTRA YEARS? IT’S EASY. IT’S EASY. JUST CALL SUZE ORMAN, A PERSONAL JUST CALL SUZE ORMAN, A PERSONAL FINANCE EXPERT. FINANCE EXPERT. SHE HOSTS SUZE ORMAN’S WOMEN AND SHE HOSTS SUZE ORMAN’S WOMEN AND MANY PODCASTS. MANY PODCASTS. >> WE’RE LIVING LONGER. >> WE’RE LIVING LONGER.

THAT’S GREAT, BUT THE BAD NEWS THAT’S GREAT, BUT THE BAD NEWS IS, WE SURVEYED OUR TODAY.COM IS, WE SURVEYED OUR TODAY.COM AUDIENCE. AUDIENCE. THEY SAID 60% OF THEM FELT LIKE THEY SAID 60% OF THEM FELT LIKE THEY DON’T HAVE THE AMOUNT OF THEY DON’T HAVE THE AMOUNT OF MONEY THAT THEY’RE SAVING RIGHT MONEY THAT THEY’RE SAVING RIGHT NOW THAT, THAT IT WON’T LAST NOW THAT, THAT IT WON’T LAST THEM THROUGH THEIR RETIREMENT. THEM THROUGH THEIR RETIREMENT. >> IF YOU REALLY THINK ABOUT IT, >> IF YOU REALLY THINK ABOUT IT, YOU GUYS, MOST PEOPLE BARELY YOU GUYS, MOST PEOPLE BARELY HAVE THE MONEY TO PAY THEIR HAVE THE MONEY TO PAY THEIR BILLS TODAY LET ALONE SAVE IN BILLS TODAY LET ALONE SAVE IN THEIR MINDS FOR THE FUTURE. THEIR MINDS FOR THE FUTURE. >> PEOPLE FEEL LIKE THEY CAN’T >> PEOPLE FEEL LIKE THEY CAN’T SAVE. SAVE. >> THEY JUST FEEL THAT WAY, AND >> THEY JUST FEEL THAT WAY, AND THEY HAVE TO CHANGE THAT BECAUSE THEY HAVE TO CHANGE THAT BECAUSE THEY ARE GOING TO SPEND MORE THEY ARE GOING TO SPEND MORE YEARS IN RETIREMENT THAN THEY YEARS IN RETIREMENT THAN THEY EVER DID WORKING IF YOU THINK EVER DID WORKING IF YOU THINK ABOUT IT BECAUSE MOST PEOPLE ABOUT IT BECAUSE MOST PEOPLE THINK THEY’RE GOING TO RETIRE AT THINK THEY’RE GOING TO RETIRE AT 65, MAYBE THEY WORK 30 YEARS, 65, MAYBE THEY WORK 30 YEARS, THEY’RE GOING TO LIVE TO 100 THEY’RE GOING TO LIVE TO 100 POSSIBLY.

POSSIBLY. >> OENGWNING A HOUSE WAS ALWAYS >> OENGWNING A HOUSE WAS ALWAYS THE PLAN, BUT FOR THESE THE PLAN, BUT FOR THESE MILLENNIALS, THEY’RE OPEN ABOUT MILLENNIALS, THEY’RE OPEN ABOUT THE FACT THEY THINK THEY’LL THE FACT THEY THINK THEY’LL NEVER BE ABLE TO AFFORD A HOUSE, NEVER BE ABLE TO AFFORD A HOUSE, NEVER MIND SOME LONGEVITY OR NEVER MIND SOME LONGEVITY OR 401(k). 401(k). >> THAT’S NOT SUCH A HORRIBLE >> THAT’S NOT SUCH A HORRIBLE THING. THING. I DON’T THINK THAT THE KEY TO I DON’T THINK THAT THE KEY TO YOUR RETIREMENT IS OWNING A YOUR RETIREMENT IS OWNING A HOME. HOME. I THINK THE KEY TO YOUR I THINK THE KEY TO YOUR RETIREMENT IS HAVING ENOUGH RETIREMENT IS HAVING ENOUGH MONEY TO PAY WHATEVER YOUR MONEY TO PAY WHATEVER YOUR EXPENSES HAPPEN TO BE SO THE KEY EXPENSES HAPPEN TO BE SO THE KEY IS TO GET RID OF AS MUCH IS TO GET RID OF AS MUCH EXPENSES AS YOU CAN, DON’T HAVE EXPENSES AS YOU CAN, DON’T HAVE DEBT.

DEBT. IF YOU DO HAVE A HOME, MAKE SURE IF YOU DO HAVE A HOME, MAKE SURE YOUR MORTGAGE IS PAID OFF BY THE YOUR MORTGAGE IS PAID OFF BY THE TIME YOU RETIRE. TIME YOU RETIRE. THAT WOULD BE MY NUMBER ONE TIP THAT WOULD BE MY NUMBER ONE TIP TO TELL EVERYBODY THEY HAVE GOT TO TELL EVERYBODY THEY HAVE GOT TO DO IF THEY DO OWN A HOME.

TO DO IF THEY DO OWN A HOME. >> WE’RE GOING TO GET INTO THAT. >> WE’RE GOING TO GET INTO THAT. WE HAVE THE THREE W’S. WE HAVE THE THREE W’S. THE FIRST IS WHERE. THE FIRST IS WHERE. WHERE IS THE BEST PLACE TO WHERE IS THE BEST PLACE TO INVEST YOUR MONEY SO IF YOU DO INVEST YOUR MONEY SO IF YOU DO HAVE 30ISH YEARS OF RETIREMENT HAVE 30ISH YEARS OF RETIREMENT YOU’RE SET? YOU’RE SET? >> I’VE SAID FOR A LONG TIME, >> I’VE SAID FOR A LONG TIME, JUST FORGET THE TAX WRITE OFFS JUST FORGET THE TAX WRITE OFFS OF YOUR PRETAX 401(k) OR IRA. OF YOUR PRETAX 401(k) OR IRA. FORGET THOSE NOW, AND IF YOUR FORGET THOSE NOW, AND IF YOUR CORPORATION OFFERS IT, CAN YOU CORPORATION OFFERS IT, CAN YOU CO CO DO A ROTH 401(k) OR A ROTH IRA DO A ROTH 401(k) OR A ROTH IRA WHICH ARE AFTER TAX WHICH ARE AFTER TAX CONTRIBUTIONS.

CONTRIBUTIONS. WHY? WHY? YOU DON’T HAVE TO WORRY WHAT THE YOU DON’T HAVE TO WORRY WHAT THE TAX BRACKETS ARE GOING TO BE 20, TAX BRACKETS ARE GOING TO BE 20, 30, AND 40 YEARS FROM NOW. 30, AND 40 YEARS FROM NOW. I PERSONALLY THINK THEY’RE GOING I PERSONALLY THINK THEY’RE GOING TO SKYROCKET OVER THE YEARS, SO TO SKYROCKET OVER THE YEARS, SO THEREFORE WHAT YOU SEE IS WHAT THEREFORE WHAT YOU SEE IS WHAT YOU GET IN A ROTH IRA OR A ROTH YOU GET IN A ROTH IRA OR A ROTH 401(k). 401(k). AGAIN, IT’S PRETAX VERSUS AFTER AGAIN, IT’S PRETAX VERSUS AFTER TAX, BUT AFTER THAT IT’S TAX TAX, BUT AFTER THAT IT’S TAX DEFERRED VERSUS TAX FREE. DEFERRED VERSUS TAX FREE. IT’S FOR YOUR BENEFICIARIES IN A IT’S FOR YOUR BENEFICIARIES IN A PRETAX ACCOUNT THEY’RE GOING TO PRETAX ACCOUNT THEY’RE GOING TO PAY TOTAL TAXES ON IT.

PAY TOTAL TAXES ON IT. >> LET’S GO BACK TO DEBT FOR A >> LET’S GO BACK TO DEBT FOR A SECOND. SECOND. FOR PEOPLE WHO HAVE STUDENT FOR PEOPLE WHO HAVE STUDENT LOANS, THEY’VE GOT CREDIT CARDS, LOANS, THEY’VE GOT CREDIT CARDS, THEY’VE GOT THAT MORTGAGE. THEY’VE GOT THAT MORTGAGE. HOW DO YOU PRIORITIZE THE DEBT? HOW DO YOU PRIORITIZE THE DEBT? WHAT DO YOU PAY AND WHEN? WHAT DO YOU PAY AND WHEN? >> STUDENT LOAN DEBT IS THE MOST >> STUDENT LOAN DEBT IS THE MOST DANGEROUS DEBT YOU CAN HAVE BAR DANGEROUS DEBT YOU CAN HAVE BAR NONE BECAUSE IN 90% OF THE NONE BECAUSE IN 90% OF THE CASES, 99%, IT IS NOT CASES, 99%, IT IS NOT DISCHARGEABLE IN BANKRUPTCY. DISCHARGEABLE IN BANKRUPTCY. SO THEY HAVE THE LEGAL AUTHORITY SO THEY HAVE THE LEGAL AUTHORITY TO GARNISH YOUR WAGES AND TO TO GARNISH YOUR WAGES AND TO REALLY THEN DECREASE YOUR INCOME REALLY THEN DECREASE YOUR INCOME SO STUDENT LOAN — SO STUDENT LOAN — >> TAKE CARE OF THAT FIRST.

>> TAKE CARE OF THAT FIRST. >> FIRST THAT. >> FIRST THAT. THEN IF YOU HAVE CREDIT CARD THEN IF YOU HAVE CREDIT CARD DEBT THAT NEEDS TO GO BECAUSE DEBT THAT NEEDS TO GO BECAUSE DEBT IS BONDAGE. DEBT IS BONDAGE. YOU GOT TO GET OUT OF THAT. YOU GOT TO GET OUT OF THAT. AND THEN YOU START WORKING, IF AND THEN YOU START WORKING, IF YOU’RE GOING TO STAY IN YOUR YOU’RE GOING TO STAY IN YOUR HOME FOR THE REST OF YOUR LIFE, HOME FOR THE REST OF YOUR LIFE, GET RID OF YOUR MORTGAGE GET RID OF YOUR MORTGAGE PAYMENT. PAYMENT. >> I WANT TO FOLLOW UP ON THAT. >> I WANT TO FOLLOW UP ON THAT. YOU DON’T WANT TO HAVE A YOU DON’T WANT TO HAVE A MORTGAGE, A LIVE MORTGAGE STILL MORTGAGE, A LIVE MORTGAGE STILL GOING BY THE TIME YOU RETIRE. GOING BY THE TIME YOU RETIRE. WHY? WHY? >> BECAUSE YOUR MORTGAGE PAYMENT >> BECAUSE YOUR MORTGAGE PAYMENT IS YOUR HIGHEST MONTHLY EXPENSE IS YOUR HIGHEST MONTHLY EXPENSE THAT YOU’RE GOING TO HAVE BAR THAT YOU’RE GOING TO HAVE BAR NONE.

NONE. >> WHEN YOU RETIRE. >> WHEN YOU RETIRE. >> IT’S FAR EASIER TO PAY OFF >> IT’S FAR EASIER TO PAY OFF YOUR MORTGAGE THAN TO SAVER THE YOUR MORTGAGE THAN TO SAVER THE MONEY TO GENERATE THE INCOME TO MONEY TO GENERATE THE INCOME TO PAY OFF YOUR MORTGAGE. PAY OFF YOUR MORTGAGE. YOUR GOAL IN RETIREMENT IS TO BE YOUR GOAL IN RETIREMENT IS TO BE TOTALLY DEBT FREE 100% IN TOTALLY DEBT FREE 100% IN RETIREMENT. RETIREMENT. IF YOU DON’T HAVE ENOUGH MONEY, IF YOU DON’T HAVE ENOUGH MONEY, DECREASE YOUR EXPENSES, AND THEN DECREASE YOUR EXPENSES, AND THEN YOUR MONEY WILL GO FURTHER. YOUR MONEY WILL GO FURTHER. >> GOT YOU. >> GOT YOU. >> WHAT ABOUT WHEN, WHEN DO YOU >> WHAT ABOUT WHEN, WHEN DO YOU START? START? I KNOW, WHEN WE’RE BORN WE I KNOW, WHEN WE’RE BORN WE SHOULD START SAVING. SHOULD START SAVING. >> YOU HAVE THE 200 BUCKS WHEN >> YOU HAVE THE 200 BUCKS WHEN YOU’RE 30. YOU’RE 30. >> PEOPLE ALWAYS THINK THEY HAVE >> PEOPLE ALWAYS THINK THEY HAVE TIME, TIME IS THE MOST IMPORTANT TIME, TIME IS THE MOST IMPORTANT INGREDIENT IN YOUR RETIREMENT INGREDIENT IN YOUR RETIREMENT RECIPE.

RECIPE. LET’S JUST SAY YOU HAVE 40 LET’S JUST SAY YOU HAVE 40 YEARS. YEARS. YOU’RE YOUNG. YOU’RE YOUNG. YOU HAVE 40 YEARS UNTIL YOU’RE YOU HAVE 40 YEARS UNTIL YOU’RE GOING TO BE 70. GOING TO BE 70. YOU PUT $200 A MONTH AWAY INTO A YOU PUT $200 A MONTH AWAY INTO A ROTH IRA OR ROTH 401(k). ROTH IRA OR ROTH 401(k). AVERAGE MARKET RETURNS, DO YOU AVERAGE MARKET RETURNS, DO YOU KNOW THAT YOU WOULD HAVE KNOW THAT YOU WOULD HAVE $1.1 MILLION AT 70, WHICH I $1.1 MILLION AT 70, WHICH I THINK SHOULD BE THE NEW THINK SHOULD BE THE NEW RETIREMENT AGE, BUT YOU WAIT TEN RETIREMENT AGE, BUT YOU WAIT TEN YEARS.

YEARS. >> YOU’RE TALKING ABOUT HAVING A >> YOU’RE TALKING ABOUT HAVING A SURPLUS OF 200 BUCK WHEN IS SURPLUS OF 200 BUCK WHEN IS YOU’RE 30. YOU’RE 30. SHOULD YOU TAKE THAT 200 AND SHOULD YOU TAKE THAT 200 AND APPLY IT TO ONE OF THESE OTHER APPLY IT TO ONE OF THESE OTHER THINGS. THINGS. >> YOU NEED TO BE SAVING >> YOU NEED TO BE SAVING ESPECIALLY IN A 401(k), ESPECIALLY IN A 401(k), ESPECIALLY IF THEY MATCH YOUR ESPECIALLY IF THEY MATCH YOUR CONTRIBUTION. CONTRIBUTION. YOU PUT IN A DOLLAR, THEY GIVE YOU PUT IN A DOLLAR, THEY GIVE YOU $0.50. YOU $0.50. I DON’T CARE IF YOU HAVE ANY I DON’T CARE IF YOU HAVE ANY MONEY. MONEY. YOU CAN’T PASS UP FREE MONEY. YOU CAN’T PASS UP FREE MONEY. IF YOU STARTED PUTTING, JUST IF YOU STARTED PUTTING, JUST LET’S SAY $200 A MONTH AWAY, AND LET’S SAY $200 A MONTH AWAY, AND YOU NOW ONLY HAVE 30 YEARS LEFT YOU NOW ONLY HAVE 30 YEARS LEFT VERSUS 40, YOU’D ONLY HAVE LIKE VERSUS 40, YOU’D ONLY HAVE LIKE $400,000.

$400,000. YOU JUST BLEW $700,000 BECAUSE YOU JUST BLEW $700,000 BECAUSE YOU WAITED TEN YEARS. YOU WAITED TEN YEARS. IT WAS ONLY A $24,000 DIFFERENCE IT WAS ONLY A $24,000 DIFFERENCE IN THOSE TEN YEARS. IN THOSE TEN YEARS. BUT THE TEN YEARS, THE SOONER BUT THE TEN YEARS, THE SOONER YOU BEGIN, THE BETTER YOU’LL BE. YOU BEGIN, THE BETTER YOU’LL BE. >> JUST TO CARSON’S POINT. >> JUST TO CARSON’S POINT. IF I HAVE 200 BUCKS TO SPARE,KY IF I HAVE 200 BUCKS TO SPARE,KY CAN EITHER PAY OFF MY CREDIT CAN EITHER PAY OFF MY CREDIT CARD DEBT AND START SAVING IN A CARD DEBT AND START SAVING IN A ROTH IRA, WHAT WOULD MY CHOICE ROTH IRA, WHAT WOULD MY CHOICE BE? BE? >> YOUR CHOICE THERE IS TO PAY >> YOUR CHOICE THERE IS TO PAY OFF YOUR CREDIT CARD DEBT.

OFF YOUR CREDIT CARD DEBT. >> IF YOU DON’T HAVE MUCH MONEY >> IF YOU DON’T HAVE MUCH MONEY YOU MAY BE BEHIND ON YOUR CREDIT YOU MAY BE BEHIND ON YOUR CREDIT CARD PAYMENTS, AND YOUR INTEREST CARD PAYMENTS, AND YOUR INTEREST RATES ARE 15, 18%. RATES ARE 15, 18%. THAT’S A GUARANTEED RETURN. THAT’S A GUARANTEED RETURN. WHEN YOU PAY OFF YOUR CREDIT WHEN YOU PAY OFF YOUR CREDIT CARD DEBT, YOU’RE GUARANTEEING A CARD DEBT, YOU’RE GUARANTEEING A FANTASTIC RETURN. FANTASTIC RETURN. >> WHAT IS THE ONE SMALL THING >> WHAT IS THE ONE SMALL THING YOU WOULD TELL OUR VIEWERS YOU WOULD TELL OUR VIEWERS BEFORE WE GO? BEFORE WE GO? >> HERE’S WHAT’S REALLY >> HERE’S WHAT’S REALLY IMPORTANT. IMPORTANT. MANY PEOPLE HAVE ADVICE FOR ALL MANY PEOPLE HAVE ADVICE FOR ALL OF YOU.

OF YOU. SOMETIMES THAT ADVICE IS GOOD SOMETIMES THAT ADVICE IS GOOD FOR THE PERSON GIVING THE FOR THE PERSON GIVING THE ADVICE, AND SOMETIMES IT’S GOOD ADVICE, AND SOMETIMES IT’S GOOD FOR THE PERSON RECEIVING IT. FOR THE PERSON RECEIVING IT. MY ADVICE IS THIS, PLEASE DON’T MY ADVICE IS THIS, PLEASE DON’T DO ANYTHING THAT YOU DON’T DO ANYTHING THAT YOU DON’T UNDERSTAND. UNDERSTAND. IT IS BETTER TO DO NOTHING THAN IT IS BETTER TO DO NOTHING THAN TO DO SOMETHING YOU DO NOT TO DO SOMETHING YOU DO NOT UNDERSTAND BECAUSE SOMETIMES YOU UNDERSTAND BECAUSE SOMETIMES YOU CAN DO SOMETHING AND IT BLOWS CAN DO SOMETHING AND IT BLOWS ALL YOUR MONEY, AND SO IF IT ALL YOUR MONEY, AND SO IF IT DOESN’T FEEL RIGHT TO YOU, YOU DOESN’T FEEL RIGHT TO YOU, YOU HAVE TO TRUST YOURSELF MORE THAN HAVE TO TRUST YOURSELF MORE THAN YOU TRUST OTHERS.

YOU TRUST OTHERS. IT’S YOUR MONEY, AND WHAT IT’S YOUR MONEY, AND WHAT HAPPENS TO YOUR MONEY IS GOING HAPPENS TO YOUR MONEY IS GOING TO DIRECTLY AFFECT THE QUALITY TO DIRECTLY AFFECT THE QUALITY OF YOUR LIFE, NOT MY LIFE. OF YOUR LIFE, NOT MY LIFE. NOT ANYBODY ELSE’S LIFE, SO IF NOT ANYBODY ELSE’S LIFE, SO IF YOU REALLY WANT TO BE POWERFUL YOU REALLY WANT TO BE POWERFUL IN LIFE, YOU HAVE TO BE POWERFUL IN LIFE, YOU HAVE TO BE POWERFUL OVER YOUR OWN MONEY.

OVER YOUR OWN MONEY. >> THAT’S GOOD ADVICE. >> THAT’S GOOD ADVICE. IN SOME CASES FINANCIALLY DOING IN SOME CASES FINANCIALLY DOING NOTHING IS BETTER THAN MAKING A NOTHING IS BETTER THAN MAKING A CHOICE TO YOUR DETRIMENT. CHOICE TO YOUR DETRIMENT. >> NEVER TALK YOURSELF INTO >> NEVER TALK YOURSELF INTO TRUSTING ANYONE. TRUSTING ANYONE. YOU WALK INTO A FINANCIAL YOU WALK INTO A FINANCIAL ADVISER’S OFFICE AND THEY FEEL ADVISER’S OFFICE AND THEY FEEL LIKE THEY KNOW WHAT YOU’RE LIKE THEY KNOW WHAT YOU’RE DOING. DOING. THEY MUST KNOW, YOU DON’T KNOW THEY MUST KNOW, YOU DON’T KNOW AND YOU BELIEVE THEM.

AND YOU BELIEVE THEM. SOMETIMES THEY GIVE GREAT AED SOMETIMES THEY GIVE GREAT AED VICE AND SOMETIMES THEY GIVE VICE AND SOMETIMES THEY GIVE ADVICE THAT’S NOT SO MUCH. ADVICE THAT’S NOT SO MUCH. >> THAT STUFF’S TRUE IN >> THAT STUFF’S TRUE IN ANYTHING, RIGHT? ANYTHING, RIGHT? >> WHEN YOU THINK ABOUT IT, >> WHEN YOU THINK ABOUT IT, SAVANNAH, YOUR MONEY AND YOUR SAVANNAH, YOUR MONEY AND YOUR LIFE ARE ONE. LIFE ARE ONE. WHO YOU ARE AND WHAT YOU HAVE IS WHO YOU ARE AND WHAT YOU HAVE IS ONE. ONE. IT’S YOU’RE THE ONE WHO EARNS IT’S YOU’RE THE ONE WHO EARNS IT. IT. YOU’RE THE ONE WHO INVESTS IT. YOU’RE THE ONE WHO INVESTS IT. YOU’RE THE ONE WHO SAVES IT, AND YOU’RE THE ONE WHO SAVES IT, AND YOU’RE THE ONE WHO’S GOING TO YOU’RE THE ONE WHO’S GOING TO LIVE. LIVE. >> WE’LL JUST GO TO YOU.

>> WE’LL JUST GO TO YOU. YOU’RE OUR TRUSTED SOURCE. YOU’RE OUR TRUSTED SOURCE. >> COME ON, EVERYBODY, COME JOIN.

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Rethink Retirement – well-being beyond your bank account | Clare Davenport | TEDxBYU

Transcriber: Annet Johnson
Reviewer: gaith Takrity Do you ever dream of retirement? What’s your retirement dream? Is it pure bliss and relaxation? Can you almost feel that warm wind? Taste those fruity umbrella drinks? Lounging by the pool, endless games of golf,
walking on the beach? I’ve always loved vacations, haven’t you? So I think we’re really going to love
this constant vacation space in retirement too, right? It actually reminds me of a couple I know. Let’s call them, “Jeff and Jenny.” They’ve dreamt of retirement for years. Jeff had worked at the same company
for over 30 years. He knew everybody. He was the life of the place. And Jenny, she’d often worked two jobs
so they’d have enough. They finally did. They moved to sunny Florida, of course. But something strange started to happen. Jeff seemed lost, lonely. They started to nip at each other. They started to quarrel. And Jenny, although she was
beginning to make community, really didn’t like to golf. She’d never been that sporty. She missed her long-time book club. She missed her best friends, her kids, her soon-to-be grandchild.

What was going on? Had they not done everything right? They’d moved to sunny Florida. They’d worked with
a smart financial advisor. They’d saved enough. I ask you, if this is the dream vision
for retirement – You see it in the adverts. Why is it that so many are
dissatisfied at this age? Why is it that depression
increases by 40%? Why is it [that] substance abuse,
divorce rates are climbing? Why is everyone lonely? And people’s self-worth is low? Surely we can do better than this.

Look, I’ve spent many years consulting and coaching and researching
the ideas, tools, and frameworks that best support us
during times of transition, like retirement. Look, I’m not here to tell you
whether you should or shouldn’t retire, because maybe you should
or maybe you shouldn’t. It is up to you to design and discover. But I do want to share with you
what I know about these life changes, these life quakes, these life disruptors so we don’t end up
in a situation like Jeff and Jenny.

Look, we know that transitions
are a regular part of life. They can be trying and triumphant. They can be predictable and unpredictable because life often
doesn’t follow a straight line. But my research and others’ shows us
that if we bring our intention and attention to them,
we can improve our well-being. And we can improve our well-being
in retirement too. I like to think of it as an ROI,
a return on investment. But this time for our well-being. Think of it as the “ROI”
beyond our bank account, an investment portfolio
in human flourishing, your flourishing in retirement. Where “R” is where we reframe
our current definition of retirement. “O” is where we optimize
the well-being in retirement. And “I” is where we ignite
our way forward. So let’s “ROI,” Reframe, Optimize,
and Ignite, your retirement. Let’s start with “R”: reframe. Let’s reframe your current
definition of retirement. Look, even the word retirement
sends shivers down my spine. I really don’t like that word much. And when I look up the word “retire”
in a thesaurus, I see the strangest words: retreat, remove, exit, my personal favorite, “go to bed.” And, although I get it – It is very, very tempting
to go to bed sometimes, it does imply that we are
fading from life when in fact these years can be
some of our best years, some of our most flourishing years.

So then, how did it start? Well, historically, we never
abruptly retired. We gently moved from one stage
to another in life. And then rumor has it, this gentleman – I think he looks a bit scary, actually, German Chancellor, Otto Van Bismarck,
in 1889, created this idea, this invention of retirement
when he put in place disability insurance for those over 70. This idea was radical. But other countries followed suit,
making retirement age between 65 and 70. But what’s interesting about
this time period of 1889 was the life expectancy
was less than 44 years. A far cry from our 80′ish years today. So to be clear, this definition
or invention of retirement is over 100 years old and we have almost doubled our lifespan.

So surely, can we not all agree that
we need to reframe, rethink, redesign … our retirement definition? Next, let’s “O” of the ROI, let’s optimize. Let’s optimize our well-being
in retirement. And it’s here we can learn
from some great science and research. Edward Jones asked over 9,000 retirees, “What gives you fulfillment
in retirement?” Their answers: being authentic, spending
time with those they care for, they love, doing interesting things,
things that help them grow, and being generous, giving back.

Interestingly, money was
at the bottom of the list. And, look, we know that money can
bring us freedom and flexibility. But research consistently shows us
that above a base level, money is not the secret ingredient
to happiness in life or in retirement. It’s also interesting to examine
the disconnect between what retirees are thinking about – connection, contribution, community, and pre-retirees are thinking about, which is pretty much their bank accounts
and this vacation view of retirement.

And when we look at
this vacation view of retirement, we find that over time it becomes the norm and starts to lack the joy it once did. It’s probably why
Berkeley researchers found that we have a sugar rush
of well-being when we first retire and then a year or two later
a fairly sharp decline. Behavioral economists might call it
hedonic adaptation, where one more umbrella drink, one more golf game just loses its sparkle. We can also look into the world
of positive psychology as we continue to “O”, optimize. We can examine the science of
what makes for a good life, a happy life, a life better than fine. And it goes by the acronym, PERMAV. I like to think of it
as my well-being playbook where “P” is positive emotion,
feeling good, hopeful, inspired, loving. It’s like a micro moment of joy: a good laugh, a good meal. “E” is engagement. Having interests in pursuits that fully
captivate us and take us away: help us grow, our relationships, having loving and authentic relationships
with another, with groups, with communities. “M” is meaning, that sense of purpose,
something beyond ourselves.

“A” is accomplishment, having positive progress in life. And “V” is vitality, investing in our bodies, in our minds,
because they both matter and they work together. Look, these elements collectively
make up our well-being. They matter, they work together, and we have to bring our attention
and intention to them because they can change. So it’s super important
in retirement to focus on these. We can also learn from the
blue zones of the world, those zones where people
fully embrace the PERMAV elements. They live flourishing lives and they live
an extra 10 to 15 years than most of us. The word retirement doesn’t even exist. Take Marie, for example. She’s amazing. She's 101, has her own garden.

Walks over a mile a day,
volunteers five days a week, and spends a lot of time
with her great friends and her six great grandchildren. She is thriving. She is optimizing her retirement years. Next, “I” of the ROI. Let’s ignite our path forward. Let’s take action. Let’s explore ideas. Let's sneak up on the future. We know that life is not
a fixed destination but rather a continual design project. There’s not one best option for us. There's many great options
for us in retirement. We also know to break down
our ideas and our actions. We break them down small, so we feel comfortable taking action. We have a conversation, we explore an idea, we learn something new, but in a safe way. So we take some action. We adjust and edit and we take a little more action
as we ignite our way forward. So in closing, I invite you, all of you, to have a conversation
about your retirement. But maybe a little differently this time. It is never too early
and it’s never too late. Let’s create a retirement canvas full of the colors and
textures of well-being and ignited by our boundless
designs and imaginations, like Jeff and Jenny did.

They moved back from Florida. They still vacation there sometimes. They bought a smaller condo,
two doors down from their best friend. Jeff decided to go back to work part-time, and he’s taking improv
classes twice a week. And Jenny, she’s enrolled
in doing a Masters in English and still loving her long-time book club. They are prioritizing their friends, their family, and their new grandchild. They are thriving. So … what about you? Let’s begin to ROI
your retirement chapter. Let’s start with “R”, refrain. What does retirement now mean to you? And what beliefs are
no longer serving you? “O”, optimize. Who and what will you prioritize and how will you use your many,
many strengths and skills? And how does this compare
with those you care for? And “I”, ignite.

What is one small step
you could take today to better understand
your “retirement act,” knowing the best can be yet to come. Thank you. (Applause).

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