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1,332 Views • Aug 22, 2024 • Click to toggle off description
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Uploaded At Aug 22, 2024 ^^
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RYD date created : 2024-08-22T23:13:42.521485Z
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41 Comments
Top Comments of this video!! :3
George 🐫folded when his master Dave Ramsey got mad about the 4 percent withdrawal rul
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I’d be retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I’m curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $120K per year but nothing to show for it yet.
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I agree. My mantra is: Budget, live below your means, save, invest, and get and stay out of debt. That's it. That's how you do it.
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George did not say what income he assumed so it is impossible to check his calculations.
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I know nothing about investing. I knew several guys at work who had millions in investments. One in particular is married, no kids and at one time worked a part time job. Her father helped build their home. They had it paid off by the time they were 50. They never went on vacation and rarely ate out. They retired at 62 and moved to N. Carolina. A couple of other millionaires lived with their parent’s and never married.
Me? Not even 100k in 401k. Retired 2 years before full age retirement. We are debt free and live comfortably. Inflation hasn’t been a burden.
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My rent goes up 10% every 2 years
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Teach public school for 30 years.
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I need deets. Spend rate and longevity?
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George and Ramsey understand debt not retirement. Just assuming a 12% return is stupid, the market doesn't have constant gains, yes year over year a 10% is a fine baseline but over a 10 year period it could be -20%, +5, +7, +8, +8, +5, -10, -3, +20, +10. This would mean the 1st year you retire with 1.6 you'd lose 20% or $320,000, add taking out the typical 4% withdrawal to live off the 1st year you lowered the account 384k or 25% total. In the scenario given which isn't unrealistic you'd be pulling from retirement for 7 years at a loss and finally breaking back even at 8. That's why market risk at retirement is not ideal. You need to plan starting the day you retire on a more moderate protected portfolio. Sure you'll lose potential but an annuity with a guaranteed 5% when your withdraw 4% for at least a large portion is important. This changes the math on how much you will gain in the future and at 1.6m are you planning on living off 65k a year?
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I'm 47 and have been planning early retirement since age 23. Actually even earlier while still in college.
I am pretty close to the finish line and it's bittersweet I'll be honest.
I still feel young, but my kids call me old but too young to retire...hahaha.
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I retired at age 37 comfortably using common sense 😊
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A million dollars will buy a new Toyota when we're 50. Every financial expert's advise fails to deal with hyperinflation
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Too bad at 50, you probably need 3 million now
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A cup of coffee will be 1 million by then
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@fennugreek-gs5zb
2 months ago
I've been saving heavily since I was 27. I turned 50 this year, and all I can say is that by starting young you get to see the curve turn hard in your favor in later years. Quibble about the rates of return if you want, but it is better to use the time you have to your advantage than to be left with sour grapes.
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