Відео

Do you have a video on how to calculate your retirement number?

Just because you picked a synonym for expense doesn't make it revolutionary. Plus spending all you make is bad advise. If that wasn't your intent then maybe make a better cut of your production for shorts.

Shouldn't it be more like income minus outgoing equals any positive number? Ideally saved until your emergency fund is fully funded then invested for your future?

Not being handy, I have always stayed away from real estate

This was the best advise I came across

Easy money. Keep in mind the interest is counted as capital gain, and pay taxes on it at the end of the year.

Then... Petition for a liveable minimum wage?

I am an informed voter. That's why I vote Republican. TRUMP 2024!

Vote for trump

Well with so many states being absentee only ballots voting pretty much doesn't matter anymore all they need is your number they will allocate your vote wherever they want it to go

Why would you penalize the server for something beyond their control? You're tipping the sever for quality of service. I always tip the server. The amount of the tip is dependent on quality of service and congeniality.

John your twin brother?

Reminder with trump tax cuts, we're still in a deficit every year. With Harris' unrealized gains tax, we're still in a deficit. We need a leader that comes at us with the hard truth, not a joyful party which is what political rallies have felt like in recent years.

The world doesn't exist anymore.

And mind you been in the red since I was born 2001

every man, woman and child in the USA OWES $94,594 dollars to the Feds. 5 trillion budget ? Every man. woman and child owes $1,5015 THIS YEAR towards the operating budget.

Yes you can. Me and the wife invested 600k into high yield ETFs. We get 6k a month in passive income. We have no debt. House is paid. We retired before 50. How did we get 600k? We started investing in our 30s. Compounding did the rest.

Excellent discussion - thanks for the practical advise. Busy walking through this exact discussion with a couple looking to retire in the next 5 years and found lots of useful ideas in here. Bless you!

You both should have been the moderators of the last debate!

Love this !

Man finally someone knows what a CD ladder is for. Best explanation I could find and under 60 seconds thank well done.

I often wrestle with the fact that we have completely moved from a savings (hard money) to a debt based system. This means that credit is vital - every dollar is lent into existence. Debt forgiveness will essentially destroy assets (debt liabilities and bonds) which will lead to collateral shortages and more asset destruction. Debt is the collateral of the system

This is such great advise! I can't wait until I can start the month with a full months income in my checking account on the 1st of each month then just pay all the months bills on one shot. Right now we pay bills on the 1st and 15th..so basically need to get to the point where we hold the deposit on the 15th until the 1st

Great advice for EVERYONE!!!

your twin should do an episode and see if the viewers notice ala freaky friday

30% of income on wants is bonkers for most people. That's about $2000/month blown on hobbies or fun for a typical family. Insane.

You can do this! - Joe

No...a HELOC isn't an option at all!!!!!!

Tree analogy is gold, Joe!

Wanna know the real source of the problem? During the Reagan years they started BORROWING from SS to fund those vaunted tax cuts! #thankslaffer😢

The better conversation is removing the cap from social Security taxes.

I think we should have an option in our accounts to invest it in the s a p 500 fund or a total market fund !

Great video Joe & Megan, I hope everyone sees your video and plans accordingly because our elected officials in DC love spending our money for their benefit.

Truth! Great word Joe!

Thank you. I am in my first few days of getting control over my money & cut my 2 cards up today. It had to be done. I’m looking forward to my debt-free freedom in about a year!

Never get a charge card….We climbed out of debt by using Zero Percent Interests!

I'm 66 and growing up 10% was the normal tip. At some point it went to 15%. Now some places want 20%. I do the 15% minimum, more if the service is good. Won't be quilted into it.

I have all but stopped eating at restaurants due to the increased prices, smaller portions, and out of control tipping expectations. The entire economy is out of control, not just tipping.

I was in a trinket shop in Cozumel. When I checked out, they asked if I want to tip. I said no and fumed as I left.

I don’t mind tipping as long as I get good service. And at the end.

TIPPING has never been out of control. ASKING for tips may be, but im sick of hearing about it. If you've never worked in the service industry, you should just be quiet about it. You think the waitress who took your phone order, packed it, and made sure everything was correct privided no setvice? People who complain about tipping just need to stay home.

As a former waitress……I gave excellent service and met the needs of everyone…….I made $120 in tips on Sunday Mornings…in a tiny town 1987

I would like to comment..when I stand at the counter and order and they want a tip..I have not even had the opportunity to appreciate the food, this has been an issue to me too…Someone once said..If I stand to order…I do not tip

I don’t eat in restaurants anymore, just order pick-up to avoid tips

I tip well when I have had great service. Isn't it enough that we drove to their business & chose to do business with them. Now they EXPECT a tip? 18% now everywhere you go, just think of how much that can add to your household budget monthly. Not happening here. I refuse to tip someone who is just doing their job! Way out of control. I refuse to follow the crowd.

If you put tip on credit card, there is no guarantee that server will get it. My son's college summer job was waiter in small restaurant. The owner collected tips left on credit card; he then " distributed" tips at Christmas, in check form. By Christmas, most of the summer service staff had left and he moved back to college. The owner kept the tip money. I keep cash in all denominations on me. I hand the cash tip to the server.

They've done this experiment over and over - servers that get paid a living wage instead of tips LEAVE because they make more money on tips. There's more to this story than greedy restauranteurs

what episode for the cash envelope?

Do you tip if service is good but food is over priced or quality is not great?

It's true but inaccurate to say that the minimum wage for servers is $2 an hour. That is prior to adding tips. If the server does not earn enough in tips to bring it to the normal minimum wage, then the employer is obligated to bring their wage to the normal minimum. I have never heard a server advocate for getting the prevailing hourly wage and to ban tipping. Quite the opposite. That tells me that they make more money with tips than they would if they were getting paid what other workers are.