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Great video Howard , I was always wondering how utube paid and at what rate 👍👍👍

I love watching this!

You need a hair cut

Christmas cash!

Ok 😂thanks for the 😅 info. Howard I thought so

Sound is important, maybe try to reduce echo in videos, doesn't bother me but, people. 😂😂😂😂

Two points come to mind: 1. Taxes are required to be paid on UA-cam revenue just like any other income, and 1099's are generated and sent to the creator and the IRS. So when creators tell you how much they made, they generally are giving you gross, not net. 2. Howard - you made more than enough money this year to pay for your $400 debate offer to Tim, who I doubt will accept. But if he were to debate, I have a feeling that video would go viral and generate a really nice windfall for both you and him, as the two of you could both video the session. Which begs the question: is he too dense to realize that? You know he really could use that cash.

Like every thing else I try, YT is yet another thing I am not good at. Been at it a year plus and very little interest or subscribers. I guess this is why I don’t mind continuing to work because at least I feel useful and appreciated there and I am not horribly bad at my work. Fitness is kind of OK. I don’t move my body well but it seems to keep me healthy and I don’t look skinny fat just skinny lean. Today I had an amazing day at work. I finally managed to modify a program that will allow me to retrieve the earth magnetic field way better than my first attempt at this and I will be able it apply it to data from an upcoming mission. I plan to make a video about this when I get further along. It took me three months though to do this and was against my project managers advice but he is happy and impressed that I got it done. Hopefully it will bring in some money into the group. Congratulations on your YT success. It is awesome to have that multi dimensionality to success at many things. My inability to do this is a serious life skill deficit I struggle with and makes me wonder if I am actually good enough to retire. This is not a money issue. I think I will be OK with that, its being capable at stuff to enjoy retirement.

Like you I am retired and started a YT channel a couple years back and for me the main thing about having onel is it's fun and hopefully entertaining to the people watching. What money I make from UA-cam is total gravy and is a great way to fund a charity. Love your content and point of view. Rock on, Howard!

I dont think I see ads show up in ur videos.. i thougth ads in videos is where bigger money is and i thouht that was being montized.. do you click a button somewhere to say NO ads in ur videos ?

Thank you for your transparency. 🫡

You've got 240,000 views, Grifter Tim has 21,445,000. He is making a living, and despite some of our best efforts, still keeps on ticking. Thanks for the hurricane coverage.

Hi Otto..like your content and quick high level overview about retiremen and your projections. Can you shoot me quick projection for married couple, 49 and 47 years old, $1.1 million in 401k, $210,000 combined income, saving 6% with company match of 5%. Mix in 401k is 65% stock, 35% bonds. Plan to retire in 10 years at 59. What would projected 401k be and is it enough to retire? Appreciate your insights

You didn't deduct taxes from the total amount earned.

Hey Otter... If the USD tanks and loses the "Global Reserve Currency" status when the BRICS currency(s) start being used commonly .... What is Otters Strategy to protect the Purchasing Power (aka Value) of what you have saved all your life?? Enquiring minds ...want to know! 🤔

Howard could probably do a video each morning just taking his dog for a walk around the block and talk about current events, politics, wars, retirement tips etc etc and get way more views than he realizes. But I don’t think he has the energy for that. He says he’s not in it for the money so why put any effort into it. Sarasota Tim is a natural bullshitter, X Car Salesman and has no job. So to supplement his Social Security he puts a lot of effort into his channel. He basically videos his entire day and edits it down to 5 or 6 videos. He does Shorts also. He knows exactly how long they should be to get maximum AD revenue and views. He has quite a few jealous haters too, because they can’t believe anyone would watch the most mundane stuff he films on a daily basis. Coffee in the morning, go to the car wash, get a hair cut , go to the gym, go to Walmart. Over and over on a daily basis. 😂😂

That’s interesting! You sure can’t rely on that income.

I would wager it's pure Pareto Principle: 80% of $$ paid to creators goes to 20% of the creators.

funny that most of your most watched videos are about Sarasota Tim and his retirement nonsense. Controversy and sex are what sells...

I would love to understand Sarasota Tim’s videos. Is he making money!? Can he write off any expense with his videos? I Feel like he is writing off his coffee and Walmart purchases as you tube expenses but of course he never explains. His SS earnings should be reduced by his yt earnings so what can he count as earnings?.

Hi Howard. An obligatory UA-cam topic. I have been on UA-cam for about 5.5 years and have just over 5,300 subscribers. So far in 2024 I have had 257,905 views (as of October 23) and have earned $1,872.32 for an RPM of $7.26. As far as I can tell, a big factor in the revenue per thousand views is video length since you can't have mid-video ads in videos shorter than 8 minutes. Also the topic area seems to be important. In mid 2023 I had a video I made about my recovery from total knee replacement surgery go viral (at least for me). That video has now had 122,600 views and has an RPM of $8.57. Some of my other health care related videos have done even better with one at an RPM of over $12.00. As far as a video going viral, why that happens is a black hole as far as I can tell. My Knee surgery video was vary similar to about 15 other videos I made on the topic and none of them got over 20K views. That one video that went viral really drove my income up, but its impact seems to be over now and I am pretty much back to where I was before that video went nuts. Like you I certainly don't rely on my UA-cam income, but it does have one rather negative effect. That is taxes. I sometimes think about demonitizing my videos because it bugs me that over 36% of my UA-cam income goes for taxes (income and FICA). At any rate, I think it would be a huge amount of work (and luck) to make enough from UA-cam to matter.

You busted my bubble if your saying YT isn’t get rich scheme. 😊

Congrats. Wow. A year already. I looked back and saw the first one listed, but, wasn't there a couple before the first video there "Does the government steal from Social Security?" I could be misremembering since I'm old. 😄

I'll bet that Sarasota Tim makes quite good money. And $500,000 Duane makes around $2,000 a month. You need to get the views.

Yeah Briggs (World accoring to Briggs) spoke a bit about it recently. he's got a big subscriber could and says the algorithm experts at least (3) videos a week. Admin Tim (Sons of Liberty) mention to comment on their videos at least 7 words and that counts too. In general, to make a living at UA-cam you really need it to be a full time job.

Thank you for your great content

Good topic Howard. One little point. There is no reason to convert the numbers in the RMD tables to percentages. Simply divide the value of the account on December 31 of the previous year by the number in the table. Personally, I avoided RMDs by not having any pretax money. I did that by never working at a place that offered a 401K or 403B and not contributing to an IRA.. Due to my age and when I retired, the amount I could have contributed to an IRA was trivial. My wife does get RMDs from her 403B so I do have to real with it. However, the company that runs here 403B does all the calculations for her.

You just admitted they are "funding" the Trust Fund with I.O.U.'s---in this case SPECIAL Treasury bonds. Your analogy to a corporation is apples to oranges. NO entity can issue itself debt and say they have created an asset. The WHOLE purpose of issuing debt is to draw upon monies you do not control or have. ANY entity that spends what it has and then issues itself debt to cover that spent money is running a scam. When it is time to "cash" those special Treasury bonds, guess how they will "cash" them? By raising more taxes or selling more real bonds. ANY bond you cash in is paid for with real money by the entity issuing you that bond. If any entity issues itself bonds and then tries to redeem them, they are taking money from themselves to pay themselves.

Sad to see you failing at UA-cam.

Sell and go back North where you belong.

Go back up North Yankee

You are not worthy. ST above your intellect.

Retired almost three years now, at no point did I ever miss work. I have problems like everyone else, but none of them would be solved by work. I you are curious and like to learn, life never gets boring. Weirdly I am always busy. I always have a long list of things to do. Attitude is everything. If you were unhappy when you were working, you will be unhappy retired. Can people change their dispositions? I do not know, but if you are unhappy then you should try. Will yourself to be happy. Learn new things.

Hi Howard. I am 66 and will retire in June. I will take my SS at 67 because I benefit more from my investments each year than I would by waiting for my SS. In other words, if I wait until 70, it will take me over 20 years to break even from the money I used by taking SS 3 years earlier (I will collect around $95k from SS over these 3 years, but if I wait until 70, I'll get another $350/month) but I would also be using my investment money for living, traveling, etc. for those 3 years, and therefore, that money would no longer be compounding in my investment portfolio. So for me, I believe it will be much better to start taking my SS at 67 than at 70 because 1) I am with the military overseas so I live outside the US where the cost of living is much cheaper than in the US. 2) My SS will completely cover all of our living expenses where we live and therefore, my investments will just continue to grow untouched. 3) Even though I am in great shape for my age, none of us know what will happen tomorrow. I enjoy my profession or I would have retired even earlier, but I now want to be free to move around where and whenever I want. So, we all need to do the calculations. I think that in most cases, unless you are still working, it will probably be better to take SS at or before full retirement age rather than waiting for a few hundred dollars more/month to 70. Just my humble opinion. I really enjoyed this video.

Glad to hear you did OK and were safe. Yeah, it is rough afterward for a few days. Here, Beryl took down LARGE trees and power was out for 6.5 days. They had to get cranes to get the trees off the lines so they could replace them. In Houston the house temps rapidly hit 90+ with no air movement. It became unbearable and had to leave.

When in doubt follow Dim’s advice, find a relatively wealthy elderly couple pretending to rescue them. Have them cook, do the laundry, fold it and have of course have them pay for fuel. Flee north. 🤫😳🥹😵😮🎃

I would like to debate him.on Medicare. This guy is clueless and giving dangerous advice to the naive new people to Medicare .

What’s good to hear that you made it through Milton , Howard .. A large portable battery bank on wheels is a must next time …around$ 1400 to 2000 range Eco or Anker makes a good safe alternative if you were without electric for a few days

Tim is Tim just move on and share your own views. Tim thinks he has it figured out for Tim. Leave the guy alone for Christ sake.

Leave tim alone. Why are you bothering Tim he has his own journey. Tim has over 6k viewers and you have only 2.5k You are using Tims success to increase your viewership..

Glad to hear you got out of it relatively unscathed, Howard. 👍

Well I'm off subject but I'm guessing the social security king has not responded to your cash offer ,he must be scared because you know he would not pass up free money.

FEMA people in NC are getting a taste of what the citizenry think of them rolling in and making decisions for them. "We are from the government, and we are here to help." Yeah, right!

Glad to know that you and Kathleen are safe and well

I live in central Florida. I prepared like you, but live in. Condo. I was fortunate, not even the lights out, but I feel bad for those that were not so lucky. It’s really sad. Glad to hear you guys are alright. Take care!

It looks like you did a good job being prepared for this. Happy you are safe and at home.

Good evening Howard, thank you for your update and yes, we are still here in Northvile MI. Good to hear you folks are ok as well as many folks we know in LWR are ok, however we have some friends at Siesta Key who lost everything and will never recuperate their financial loss. Our standby generator ran for 2 days in LWR, technology is awesome as the Generac app alerts when the unit is on. No serious floods just a lot of debris which I have the landscaping folks cleaning it all up. We have 2 homes, and as Michigan residents it was no big deal to get out. You folks take care and be safe, that goes for Otter and Juno too. PS: a generator is something to consider.

Yay!! Howard, great to see you back in familiar surroundings! Props to you and your neighbors for working together in getting back on track. Sounds like Juno did her part to "lighten" up some serious moments for you all. 😄 Your preparations were better than many, and these event always seem to bring new insights. Thanks for keeping us posted'

Glad you’re safe and home. We are very fortunate as well as live in Fort Pierce Beach - had unpredictable multiple tornados that took 6 lives and multiple homes. Milton was a huge devastating monster that sadly impacted many people all across the state. You’re right Howard! What people see on the news is about the damage.. the real challenge is the true discomfort of post storm ilife- no power or water in heat gets old quick! Hopefully we can all now recover. A blessing in retirement is having the time to pick up- recall in the years when working and had little ones post storm life was even harder! Best to you and your family!

Outside of buying a house in south FL, I think you were right in buying a house greater than 20 feet (~ 6 meters) above sea level. This statistic doesn’t apply to the coast of Japanese near Fukushima that is susceptible to 17 meter Tsunamis.