Something to think about, In Roth, you are paying around 28% now since you are a high income earner, versus being taxed on your retirement years when you are at around 12% tax since you are no longer working.
I really love your content, very helpful for us! Now lang ako nagcomment ‘cause I just passed my nclex exam recently (feb9) and planning if VA or NC na state. More vids like this pls! ❤
Max your Roth IRA every year. FYI meron din traditional IRA, very similar to 401k but you deduct the contribution on your tax return. Remember to invest it and not just contribute! I follow the boglehead strategy for the most part in my investments. Any money in Roth IRA is tax free at retirement. And so if you have 1M in there, it won't be taxed anymore since your contributions are already taxed. Max your 401k too if you can, FYI there is also Roth 401k depending on employers. Again, don't just contribute in it, you need to invest it. Roth basically means that you contributed after-tax dollars, meaning at retirement you won't pay taxes. Anyways, kahit Roth pa yan or traditional, it doesn't matter as long as your saving and investing it. It all ends up the same amount at the end of the day if Roth you are taxed now, if traditional you are taxed at retirement.
@@nursegem anytime! Also general rule is to save and invest at least 15% of your salary for your retirement. So if you earn 100k yearly you need to put in 15k yearly into retirement to maintain your current lifestyle. Kung gusto mong bongga retirement mo you need to save 20% or more 😃
@@nursegem your welcome, good luck on your journey here in the US. Been here for 12+ years now, my only advise is to live below your means or else you'll end up homeless! Check out Dave Ramsey and the Money Guy Show for tips on retirement, savings, emergency fund etc.
I love watching your vlogs, so fun and informative for future nurses like us here in the PH! Do you have any ig channel where you can share your thoughts about being a USRN? Thanks!
Hi, Nurse Gem! Random question, paano niyo po dinala yung pocket money niyo sa US? I mean, meron po bang maximum amount na cash na pwede lang dalhin? Thank you!
Hi Nurse Gem, thank you for your amazing vlog. Can you share you experience when it comes to the medical and US embassy interview in London? Thank you.
I love Lululemon too so pretty for you and super sexy of course. Napadaan ako sa vlog mo sis nakita ko kasi sa home and I got interested. I love your videos and will give full support to your channel . Also, if you have time I will invite you to visit my humble home too. Stay sweet and see you around . I’m your new fans from Canada 🇨🇦
![Lp. Сердце Вселенной #30 ДВА В ОДНОМ [Один человек]• Майнкрафт](http://i.ytimg.com/vi/nrXy15orKhY/mqdefault.jpg)
Thanks for this very informative vlog. Nakakaexcite talaga. Passed my NCLEX last year and now scrambling for the documents required for the visa.
You’re welcome 😊😊😊
Something to think about, In Roth, you are paying around 28% now since you are a high income earner, versus being taxed on your retirement years when you are at around 12% tax since you are no longer working.
Thanks for this! Bago ko lng sa akin yung ROTH kaya nice to hear it from someone na nandyan na. 😊
I really love your content, very helpful for us! Now lang ako nagcomment ‘cause I just passed my nclex exam recently (feb9) and planning if VA or NC na state. More vids like this pls! ❤
Thank you! Goodluck to your journey ❤️❤️
Saan pong embassy kayo maam nagprocess? PH USEM po ba or London? Thank you! You inspire me po ❤
hello. mind if i ask? whats the brand of your vlogging cam? specifically? please thanksss
Hiii…i am using my dji osmo pocket combo 2 :)
question lng po… safe po ba na mgisa lang (babae) mg work sa US na no family or relatives. may nkka survive po ba?
@@kbye14 so far, ok naman. Naka apartment ako :)
Ayun, wala din ako family and relatives dto sa texas. So far, ok naman ako. Nakasurvive naman ako.
@@nursegem ilang yrs na po kayo sa US?
@@kbye14 one yr mahigit plng. Bago bago plng din 😅
Ayan meron na ulit.... Tagal nasundan Nurse Gem... Lagi ako nag aabang hehehe... Ingat lagi...
Sorry and tagal bago nasundan 😅
Hi may i know how did you come up with 0% APR po? Thanks po
Hello nurse gem! New subscriber here. I really enjoyed you vlogs. Very informative and detailed! 😊
Hello, thank you :)
Max your Roth IRA every year. FYI meron din traditional IRA, very similar to 401k but you deduct the contribution on your tax return. Remember to invest it and not just contribute! I follow the boglehead strategy for the most part in my investments. Any money in Roth IRA is tax free at retirement. And so if you have 1M in there, it won't be taxed anymore since your contributions are already taxed.
Max your 401k too if you can, FYI there is also Roth 401k depending on employers. Again, don't just contribute in it, you need to invest it.
Roth basically means that you contributed after-tax dollars, meaning at retirement you won't pay taxes. Anyways, kahit Roth pa yan or traditional, it doesn't matter as long as your saving and investing it. It all ends up the same amount at the end of the day if Roth you are taxed now, if traditional you are taxed at retirement.
Thank you for this info!!! 🩷🩷🩷
@@nursegem anytime! Also general rule is to save and invest at least 15% of your salary for your retirement. So if you earn 100k yearly you need to put in 15k yearly into retirement to maintain your current lifestyle. Kung gusto mong bongga retirement mo you need to save 20% or more 😃
@@angelburn1thank youu!! Super helpful neto 😍😍😍
@@nursegem your welcome, good luck on your journey here in the US. Been here for 12+ years now, my only advise is to live below your means or else you'll end up homeless! Check out Dave Ramsey and the Money Guy Show for tips on retirement, savings, emergency fund etc.
@@angelburn1 thank you po ulit sa info 😍
And save for a house so you don’t have to pay rent. The interest on a mortgage is tax deduction but rent is not. Just a thought.
Agree 👍🏼
Max your 401k so you pay less tax. Since you do not have any dependents or deductions. Thats one of my regrets.
Will do :)
Hm po max ng 401k??? Thanks po 😊
I love watching your vlogs, so fun and informative for future nurses like us here in the PH! Do you have any ig channel where you can share your thoughts about being a USRN? Thanks!
Hi there! Thank you for watching my vids, altho my recent contents were unrelated to nursing, thank you again. I have IG accnt : gemcasarias
Hi, Nurse Gem! Random question, paano niyo po dinala yung pocket money niyo sa US? I mean, meron po bang maximum amount na cash na pwede lang dalhin? Thank you!
Cash and bank account from UK…Max of 10k usd pwede dalhin dito…sana po nakatulong :)
@@nursegem aww oh okay po! Pwede po pala na hindi iclose ang bank account sa UK po? thank you po! Sa UK din po me bali manggaling hehe
@@hannahgoesto4360 nice…so far open pa anman yung bank ko sa UK…naglalagay lang ako ng money doon hehe
@@nursegem thank you po for the info! ❤️
Thank you, radtech po ako pero bet ko vlog mo. Thank you pala sa inyo ng brother mo regarding sa hcpc :)
Thank you :)
Like the mixed accents. New subscriber still in UK going to MN. Hope you can share why Texas and not other states. More power to your channel!
Sure thing :) goodluck po
thanks for sharing po, sa uk pa rin po ba yung brother mo na radtech ate?
🤗🤗🤗
Always abangers ms gem😂❤
🙂🙂🙂
ohhhh nice.. my vlog k pla sis
halos mgksabayan tayo kay BSW
Yes yes hehe 😉
What dept ka Nurse Gem? HM per hour rate pag ganyan net pay per month? Thanks hehehe
Working in a Progressive Care Unit :) PM me :)
@@nursegem where to pm u po? 😁
@@MaxineChee-i3j basta above 40$/hr hehe
Namiss ko nman video mo sisss. Sisss video nman kng sa pano nkuha si Car ang ano technique sa low IPR. Nissan Rogue dn bet nmin pagdting jan ❤
Sure thing!!! ❤
Hi Ms Gem, paano kayo naka avail ng 0% APR sa Car niyo. Thank you
Hello po. Program sya ng Nissan :)
where kayo in texas mam? is it in houston?
Hello…not in houston but almost austin…😊
Hi Nurse Gem, thank you for your amazing vlog. Can you share you experience when it comes to the medical and US embassy interview in London? Thank you.
Sure thing!
Hi nurse gem very informative vlog.. sana next nmn po carloan purchase nmn po 😊
Thank you :)
Grabe parang kelan lang, UK nurse pa yung napanuod ko sayo. Ngayun US nurse kana din.. ahaha,
Laki ng per hour mo mam 😅. I will be assign in Georgia USA. Thank you for sharing. Im a UKRN also.
Malaki ndw yun dto sa TX…yan una inoffer sken noon, georgia…pero hindi ako avail that time for interview…hehe…excited kna?
@@nursegem yes po. di pa lang current VB ko may 2023 pa. Konting buwan na lang. Plan din namin mag pinas muna ng 1 month then pa USA.
@@TheGWAPING1 konti nlng 🙏🏼🙏🏼🙏🏼 enjoy and ipon ka lang dyaan sa UK 🙂
More informative vlog Gem❤
anong unit ka mam and san city sa tx?
Hello! PCU (progressive care unit) and almost austin 😊
Hello po. Paano po kayo nakakuha ng driver’s license?
I already have PH license…but i took online class, temporary drivers license then took exam then from temporary license to permanent one…
@@nursegem Do you need to take the written exam and drive test? Was it hard?
@@TheSundaysinMN yes written and drive test…written wasnt that hard…drive test, nakakaba lang 😅
@@nursegem nice. Thank you! More vloggs soon.
Her net is my gross, then there is federal + income tax..i love California
Ang tgal kitang inintay! Life update pls
Hello hello 🙂🙂🙂
Invest in individual stocks too since you’re still young.
Thank you po sa mga payo ☺️
That's actually a good pay considering you're in TX.
Masarap po ba ang bbq jan? 🙂
Uhmmm surprisingly hindi pa ako nakatikim hehe
Bakit hindi natin I try together for the first time ☺️
New sub here
@@rodeldelagente5948 thank you ❤️🙏🏼
Hi Nurse GEM, Can you give your contact details, bcz I want to know about little USRN
Hi..! You can message me on my instagram (gemcasarias) or my messenger (gem casarias) or whats your FB accnt so that I can add and msg you
I love Lululemon too so pretty for you and super sexy of course. Napadaan ako sa vlog mo sis nakita ko kasi sa home and I got interested. I love your videos and will give full support to your channel . Also, if you have time I will invite you to visit my humble home too. Stay sweet and see you around . I’m your new fans from Canada 🇨🇦
Hello!! Thank youuu 😊😊😊 yes, im planning yo visit canada 😍
Hi new subcriber soon I'll be going to the Philippines but do you have Facebook to talk to you cuz I don't Put my private life on here
Yes, i have FB (gem casarias)
Ok I'll send you a message @@nursegem
Ok and my is Niko colon I just sent you a message@@nursegem