- 139
- 151 755
Uncle Stef
United States
Приєднався 14 лют 2020
I teach what I know about the mind and finances.
Developers Side Hustle for Extra Cash
🦎 Lizard Wizard Course:
school.studioweb.com/store/course/lizard_wizard
#financialfreedom #financialeducation #unclestef
school.studioweb.com/store/course/lizard_wizard
#financialfreedom #financialeducation #unclestef
Переглядів: 2 796
Відео
50 with No Savings ... is Retirement Possible?
Переглядів 74714 днів тому
If you find yourself at 50 years and broke, can you ever retire? 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef #retirementplanning #retirement
40 years old and Starting Over
Переглядів 2,6 тис.21 день тому
A 40 year old women is in the process of starting over. I answer a few questions about finance, career and friends. 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef
Euphoric Fastng and Autophagy
Переглядів 35028 днів тому
🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #fasting #autophagy #unclestef #weightloss
Freelancing to a Retirement Lifestyle in 3 Years?
Переглядів 2,1 тис.Місяць тому
🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #freelancing #freelance #retirement #freelancewebdesigner
Market Crash! What to Do?
Переглядів 601Місяць тому
The market crashed Monday and looks like will pop-up Tuesday. But what will it do Wednesday? #investing #marketcrash2024 #dollarcostaveraging 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef
Getting off the Keto Diet.
Переглядів 1,2 тис.Місяць тому
🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #ketodiet #keto #ketocarnivore #unclestef
The Best Ai Today?
Переглядів 469Місяць тому
What is the best ai today? Is it ChatGPT, Grok, Claude? In this video I look at the Ai landscape, giving you my take on how Ai will impact the economy, and what is the best Ai implementation today. You can find this video in podcast form here: unclestef.com/blog/2024/07/26/uncle-stef-podcast-all-episodes/ 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #appleintelligence...
CRAZY! 76% of income on interest payments alone!
Переглядів 540Місяць тому
🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef #creditcard #creditcarddebt
Apple Stock Taught me a HUGE Lesson
Переглядів 8633 місяці тому
Investing in Apple taught me a huge investing lesson. 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef
Two things to do as you Get Older.
Переглядів 4753 місяці тому
Two things that I really like to do now, now that I am old as the hills: Fasting Doing something I don't want to do. #fasting #psychology #ageinggracefully #ageing 🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #financialfreedom #financialeducation #unclestef
Fasting WAS Painful
Переглядів 4093 місяці тому
🦎 Lizard Wizard Course: school.studioweb.com/store/course/lizard_wizard #fasting #intermittentfasting #unclestef #coffeefasting
Long Covid at 2 years ... what's going on?
Переглядів 7524 місяці тому
Long Covid at 2 years ... what's going on?
Genesis GV70 vs Audi Q3 vs Porsche Macan.
Переглядів 1,2 тис.4 місяці тому
Genesis GV70 vs Audi Q3 vs Porsche Macan.
Back on a Low Carb Diet with Fasting
Переглядів 7095 місяців тому
Back on a Low Carb Diet with Fasting
Boom and Bust Florida Housing Market
Переглядів 5705 місяців тому
Boom and Bust Florida Housing Market
Metabolic Disorders: Cause 80% of Illness.
Переглядів 6556 місяців тому
Metabolic Disorders: Cause 80% of Illness.
Dumb Luck in Business ... important?
Переглядів 2956 місяців тому
Dumb Luck in Business ... important?
Is Gold a Good Investment in 2024 #goldinvestment
Переглядів 3897 місяців тому
Is Gold a Good Investment in 2024 #goldinvestment
Should you try Timing the Stock Market?
Переглядів 3357 місяців тому
Should you try Timing the Stock Market?
Clark Sarah Jackson Susan Martinez Ronald
Gonzalez Anthony Lopez Sarah Brown Ruth
Lewis Dorothy Hall Lisa Robinson Sandra
Porsche macan is money pit, mainly because of transmission eventually break out and it will cost $20k to repair, and they have known tranfer box breakdown issue, lexus is pretty ugly on the exterior.
Johnson Jeffrey Walker Helen Williams Mary
Moore Angela Anderson Lisa Anderson Nancy
Martinez Michael Smith Melissa Robinson Dorothy
Nice,
Aight! Old money never lies, network those boysses!
My wife and I have been putting money towards our IRA’s and HSA’s(a medical retirement account)but we haven’t invested any of it yet, is just sitting there. Is putting part of this money from this retirement accounts towards index funds a good idea? PS: I’m responsible for what I decide to do, you have no responsibility to what ever happens.
Generally speaking you want to dollar cost average into index funds. That means putting in money into the market at regular intervals regardless of the current market conditions. It is just about impossible to predict what will happen in the market in the short and even medium term. At this time big money players like Warren Buffet are building up cash because they believe the market is about to go down. But this could happen next week or next year … who knows. Personally I haven’t sold anything but I am also building cash. If it were me, I would get ready to invest about 25% of my cash next market downturn. But any money you put in, you have to be able to leave it for years … because it could go down. Remember to always have a minimum of 6 months of emergency funds. I prefer a year + … but that makes me sleep at night. I am not your financial advisor nor am I at all … so please research and perhaps consult one who can assess your situation and provide a plan the works best given your tax situation. Advisors are typically no good at picking stocks and investments, just buying the index will beat them without fees, but they can help with tax planning. Be sure any cash you have is earning interest for you while you wait / study before investing.
@@unclestef8239 Thanks for the reply. Aside from doing this type of long term investment for retirement, do you do any other investment for day to day cash flow, Dividend-Paying Investments?
What kind of freelance projects would you recommend for someone familiar with web / web app development?
Not a project, but see if you can find a way/an "in", with older financial advisory companies or old non-for profits. They are usually quite far behind with the times and tech know how. (Smaller old companies). Feel like its a bit of an untapped resource for freelance work, as they like people who come recommended and are keen to upgrade their systems. *worked previously for one of these. Most of the company were elderly highly experienced people in their field, but needed lots of help with new tech and development. Good luck :)
Any! The key is to get any jobs to build a portfolio and experience. The process of building real projects will help you refine what type of work you’ll end up doing. Personally, I started with simple websites, then web apps and eventually was building custom edu apps for publicly traded companies. I used a huge range to tech and found myself using tools I never even heard of.
I discovered WordPress pretty early on. I'd learned how to code and built my own websites (adult), in the late 90's, early 2000's. When I discovered WordPress, I just knew it was for me. I continued with ecommerce, I built sites for people, got involved in WP web security, started helping people out for free (and paid) through forums, and people also found me through my own website. I'm 53 now, I retired at 52. No financial worries, we have several investments. I actually shared some of your videos, Stef, on my website, over the years. Building your own brand, building trust with clients is paramount. In the end, I was charging $120/hr for my work, for 4 years I'd worked more than 50 hours p/w at that rate, then started to slow down. I wanted some 'me time', and woke up one morning, decided to only work 2 days per week, and did that for about a year or so, then that day came when I asked myself 'how much is enough', my accountant answered it. So, I retired. Now, I'm enjoying my photographic hobby - I've always wanted to delve into photography, and now I can, without having to worry about bills being paid. Thank you Stef, for all your videos over the years.
Never be satisfied. Get that Lambo Money.
Uncle Stef, do many developers do the whole 'build a ton of blog websites, at least 50, if even 10 rank well on Google, you make money from AdSense & affiliate links'? Do you have any advice on that and are there better ways?
That’s an old hack that once worked. Problem is you need to produce quality content that people want to consume. It’s a lot of work! But if you are a gifted content creator… and you have something to say, it can work.
@@unclestef8239 Thanks Uncle Stef, it sure is a lot of work. Takes a lot of patience :) Loving your webdev course, the whole family is!
Thanks
Welcome
Ur thoughts on Micosoft’s Power Platform.
Haven't looked at it.
Quite alot of big businesses rely on microsoft's 365. Power platform blows their minds when they realise what you can do with it once its all connected to analytics/sharepoint and their CRMs. 365 Dynamics CRM development is big big $$$ by the way
33 here. Just registered for law school last month after over 7 years in Tech and doing a lot of remote work from Indonesia with American and European companies. I will focus on studying laws based on tech such as IP, Cyber Crime, GDPR, etc. Thanks, Stef for your insight from your previous video.
I enjoy your videos of financial wisdom and also your web developer course I bought recently. Just wondering in your opinion. Do you think a bachelors degree in accounting is still worth the student loan debt? Or no?
How much student loan debt?
Depends on the level of debt, job availability and probability of completing the degree. What do you say?
@@unclestef8239 No more than the entry level salary for an accountant coming out of school. I would prefer to take on no more than 40k or 50k. But Id rather do web development. But sometimes I'm not sure if I will get the coding down.
@@unclestef8239 No more than the entry level salary of an accountant. So no more than 40k or 50k. But Id rather do web development. But sometimes I wonder if I will get the coding down or not.
Thank you for this video. I had a retire fund but divorce + custody battle wiped it out. Starting over at 48. Now I am working a full time job + side hustles. This video gives me hope for retirement. Thanks.
I will be laying out more soon.
I don’t think very many Americans have anything for retirement right now. Most Americans do not even have a $1,000 emergency fund. I work remote and left South Florida, moved to Colombia South America and I am finally able to save some money cause my costs of living have been cut by a 4th. I have the nicest apartment in the beach go out to eat everyday and maybe spend $2,000/month. My generation is in financial trouble I believe cause the western world cost of living is getting crazy.
Appreciate the comment. How is Colombia?
Same case. Work as a remote Software Developer while living in Ecuador
@@unclestef8239thanks for replying to my comment! Colombia is an extremely beautiful country with nice and beautiful people. It still has a “bad” stigma from the 1980’s period and drugs but most of that is in the past. I have been here 2 years and never had an issue. I like it also because if I need to get back to USA It is only a 3 hour flight and the costs of living here is very cheap for things like rent and food. Thanks for addressing my comment. Love following your tech and now finical advice. I’ve learned a lot from you over the years!!!
we need an index fund dca vid
Sorry, you are so wrong about home ownership. You have equity and then ownership of an asset after paying off your house. With renting you have nothing to show for years later and can easily be forced out if rent goes up, etc.
Are you in Montreal ?
Yes
I thought this was Dave Attell
No sympathy for her. Argumentative and victim mentality, only complains. Likely high body count
Mentally ill incel.
Nice video, it is just pure sincerity! love to see your mindset and your experience.
I'm Mech Engineer looking for a career change but maybe web dev or back end is not for me, maybe learning to code could open doors in Embedded Systems as Mechanical is doomed to be low salary where I live.
It doesn't hurt to learn ... it always leads to better things.
Uncle Stef is not just a mentor but also a good therapist :)
Uncle Stef! A question. I have recently completed a bootcamp here in the UK, the quality of the camp was not great. What would be your advice moving forward in securing my first role? Any advice from anybody here would be welcome.
If I was in your position I would grab some courses with proper structure to fill in the gaps that might exist. After that I would build 2-3 projects to help me have some experience in my CV and once I felt confident enough, I would start applying. Edit: I don’t know about your current experiences from the camp, but if your fundamentals are right, you could start applying for intern positions.
@@stavrosthalassinos5716 Thank you for the input, much appreciated!
Just makes things for people, anything is better than nothing. A one page website for a handy man will teach you more than the bootcamp.
@@electrictrojan6719 Good idea, do small projects for local people.
Yes ... just start building small projects for local small business. You will learn a lot by doing that and at the same time make yourself far more valuable than you would otherwise.
You da man
For some reason I figured I wouldn't be able to save for retirement, so my whole adult life, I never bought new cars, and kept my rent low. Currently have pretty inexpensive mortgage payments, and that's my only debt. Will retire at 62, and I can afford to live on the 2K social security I'll qualify for. But will continue working on chrome extension ideas, and to create premium versions to see if I can supplement the SS. ( don't you have a main youtube channel where you have 100's of thousands of subs? )
Hi! Congratulations! Stress free financial is best. Yes, my main channel has 260k subs. I have this one for non tech subjects
Fasting is so much easier with black coffee
I recently did the Fasting Mimicking Diet. My digestive tract was unhappy with what I had been eating so I stopped after 9 days. 5 days FMD is the equivalent to 3 days water fasting.
I've been doing IF for 8 years now. Been thinking about doing a longer fast but I'm not sure I can do physical exercise while I do it. I've been climbing mountains for a few months now, waking up at 2am every two weeks. Amazingly, I can hike up until 9am before I get hungry.
Your body will give you signals. Learn to listen to them ...
I've been intermittent fasting and didn't know it. If I have to do a lot of mental work, I skip breakfast and, sometimes, lunch. Eating makes me lazy.
Cool.
Years ago, did the 40 days fasting for lent. Mostly bread and water, with fish now and then. Couldnt believe how good I felt after, lactose intolerance completely gone. Body did a full update and reset. Ancients were onto something for sure.
I had similar experiences.
Fasting is the most powerful thing I've learned to do... I completely reset my health and healed some lifelong ailments through Fasting...
that sounds great! how did you do it? did you fast for a longer time, did you do the intermittend fasting - how did your way look like? cheers
Hi Uncle Stef. Are the Studio Web courses up-to-date? Do you teach how to build website for clients?
Yes. I update them when they need to be updated. You will learn much more than you'd think possible in a short time. Just give it a go.
I've been thinking of learning web development, but I'm already 42 this year.
Still young. You can get your foot in the door in say 6 months with part time learning. You can fully establish yourself as as a junior developer within 12 months. The first 3-4 years of the game is where you see big rise in earnings. If you freelance, you can cut the time down a lot. Depends on your focus.
What about when there are observable physical changes? I developed varicose veins in my legs and I developed bulging blue veins in my arms and hands. I also had an endoscopic ultrasound that revealed damage to my pancreas and sludge in my gallbladder, which I had none of prior to covid. Can any of that be explained as being neurological? Is it possible that the fight or flight response is causing systemic inflammation and causing physical damage? I also experience crippling brain fog that feels more like MS or straight up brain damage. Is this "healable" with your method? Lastly, what do you think about these long covid clinic doctors claiming that long covid is a "new autoimmune disease" that affects multiple body systems? They seem to come from the angle that it's actual physical damage that is causing the symptoms, rather than it being purely neurological/psychological.
I would clean up my diet of all processed foods. Start IF (16/8) protocol and also implement the mindfulness exercises. You will start seeing a positive impact in about 2 weeks. But I am not a medical doctor and I can only suggest based on what you wrote. That said, this cost nothing to try and you can only gain.
@@unclestef8239 I cut out all processed foods from my diet close to 2 years ago. I’ve tried paleo, keto, fruit based, etc and no dietary changes have made a difference. I appreciate your reply. My vein issues are my main obstacle. I can visibly see damage to my veins. I’m just not sure how that would be neurological.
Do you think getting a cpa license is a high value skill?
Accounting is a valuable skill. No doubt. My bill to my accounting firm is a strong indicator of that!
Yes
Great advice, Uncle Stef! Please consider getting a reusable coffee cup to reduce the waste produced by disposable cups ☕️
My carbon footprint is tiny compared to most people I know. Penny-wise, pound-foolish comes to mind. So that means I concern myself with the big things. For example, for every drive in a car, I will be on my bike 10x ... mostly to get around the city. I bought furniture that last decades, instead of a few years. I've cut weight so that I am under 20% body fat so that means I eat much less (less carbon) and will likely need far less medical care since 80% of people are in the healthcare system due to metabolic disorder ... which means they eat too much and don't exercise enough. Imagine if the population got in shape, and that would cut medical needs by 80% ... the health care overall would be sailing, and since there would be a small percentage of the current health care load, think how that would impact the use of carbon ... huge! Hope that makes sense?👍
One of your very best videos. Always good to get periodical reminders of what the entrepreneurial road can look like if you can manage to stick at it. Maybe something you can talk more about are the reinventions along the way? Like to me… it seems I never get there, and it really took some coming to terms with that and seeing that in a really positive way. On the other hand, you have to craft something and stick at it for a while if you're going to make anything… and yet, it will likely never be permanent; like there's never just that 'one thing' on this journey, right - it's a fallacy?
Good video topic!
@@unclestef8239 look forward to it!
Lol USA retirement, escaping being forced to work to make the rich richer, is just normal freedom in the rest of the world.
Your channel contents are very good. But due to some problems in your channel you are not getting views, audience accordingly. For this you need to optimize your channel well and Increase your popularity. Are you interested in optimizing your channel?.
Steff outside! Great video, not just about business but also life.
Yes! Thank you!
You are as wrong about this as you were about Vue. AI is a revolution!
I enjoyed your courses and I am now learning mobile app development
I’m a skilled web developer, to me the freelancing market is intimidating, how would you start out with freelancing, something like upwork or fiver? Contact local businesses whose websites could use a revamp?
forget upwork of fiver unless you want to work for 5USD/hr .... ok if you live outside Europe/US
Wow, your content is incredible! 😊❤ I'd love to share a few ideas with you-are you open to suggestions?