Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
I agree. I have pulled in more than $435k since 2020 through my financial-advsor. It pays off more in the long run to just pick quality stocks and ride with those stocks.
1. Mistake no 1. You are not investing 2. Keep emergency fund 3 to 6 months survival before investing anything. 3. Mistake, you are waiting for the right time to start (that time will not come) 4. Invest, start small and gradually increase. Dont start big. You can panic and may have to sell your stock causing a life time experience. 5. Not investing enough money. You have to invest enough to have something saved for retirement. 6. Invest in tax free account (ROTH IR for example) and others 7. Not being honest to yourself. Can you research companies, do you have the time and skills. If not invest in Index Fund, otherwise can invest in stocks etc Hope this helps.
so many great tips!!! definitely all really great... i haven't gotten into as much stock but I own a bit of real estate so my downpayments are big larger than stocks but these are all so true
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
Rebecca Nassar Dunne is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Starting early is the best way of getting ahead to build wealth,investing remains the priority. Forex trading has plenty of opportunities to earn a decent payout,with the right skills and proper understanding of how the market works
I totally agree with you,Forex trading is the most profitable venture I ever invested in,I reached my goal of $500k yearly trade earnings, setting realistic goals is an essential part of trading
But successful people don't become that way over night,what most people see is a glance wealth,a great career,purpose is the result of hard work and hustle over time
The most important thing that should be on everyone's mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.
Most newbies fail simply because they don't understand how the market works in general or in particular how the market relates to stock/forex or currency pair they entering. If a retail trades doesn't grasp what the market makers are doing and when they are doing it, the greatest strategy in the world will fall. For new traders the markets are like entering an F1 race before you've passed your drivers license test. mate as a beginner it’s not really easy to know the right broker,until I met this man in the store 🏬 when he was talking to a student I head him talking about forex and stock which got my attention to him,I told him my story and he asked me if I’m still interested again which I told him yes. and he started helping me,now at least I am not the best but I am really making a huge profit as I invest,if you are interested please contact him now. he is very honest and trustworthy,contact him now at (elvishercules48@gmail.com)Stay safe all of you
yezzuuur buy the fear. I became broke that day. every penny went to stocks. Market psychology is real funny. everyone sees the fear but not the undervalued.
4:15 the emergency fund is more valuable than I realized, and I am learning the hard way. Please, folks - don't overlook this. You may end up tying up liquidity in the markets, and have it unavailable when you need it most. Awesome video!
I watched something like 20 videos in the last few days about investing strategies and general advise. This is so far one of my favourite, for both content, simplicity and presentation. Great job, Rose 🙌
You literally discuss every topic necessary to know for investing and simplify it for better understanding. The examples you give, the charts, actual website walk through, etc., are amazing and makes it so much easier to understand. Thank you!!!
It’s so kind of you Rose to want to help us as much as you can so we don’t end up bag ladies or bag men ! Thanks for thinking and caring about others too instead of just yourself ....
you're my favorite UA-cam financial educator! U explain complex concepts in an easy-to-understand manner with a nice pace and quality video editing! setting the bar!
Remember God loves you♥️😊! Good news is that Jesus paid the punishment for your sins, He died, and rose from the dead on the 3rd day. you are ONLY forgiven and saved by putting faith in Jesus Christ for salvation. Please repent, change your life around and live for Him🙏. He is coming back soon🥳🎊....
Me being pissed off that all the companies I have researched were 6 times cheaper 4 months ago I literally remember searching "How can I get dvds sent to me like blockbuster but online?" It was in the third page that I found Netflix smh nobody taught me anything
This pretty much scarred the shit out of me - but its time. Never had this conversation either with the folks. Looks like im gonna be working two jobs for the foreseeable future… hustle.
Thank you for taking the time to make these videos. I am 56 years old and have had A 403B for only 13 years. I have 3 months of income in an emergency fund. My bills are paid a month ahead. I need to start doing something with all my extra money.Your videos have given me a lot to think about. Thanks again.
I’m currently 21 years old, finishing bachelor’s degree soon and I just started learning about this. Part of me feels like Im sort of early but i’m just glad i’m about to start investing. I’m glad you are educating me on this topic. Thank you for doing everything you do.
Never too early!! You’re lucky. I wish this stuff was around when I was 21. I’m early thirties and could have had A LOT of money by now if I had all the channels I follow now. Start asap.
Here’s a recommended broker you can start a contract with. Ryanmichealhans@gmail~com Whenever i saw testimonies about Ryan Hans Services, I always thought there’re all made up stories till i was convinced and gave it a try. Honestly i don’t regret that move because i invested big and it has been rewarding.
@@Marie-qm2uf True, Investing is how you take charge of your financial security. It allows you to grow your wealth but also generate an additional income stream if needed ahead of retirement.
Started investing this week after watching several of your videos. I'm a lot more confident in the stock market now. Thanks Rose and keep up the good work
Very good , sound advice. I love your way of informing people of their financial abilities. You are a smart lady and make me laugh. Rose Rocks! I'm a fan.
That emergency fund is so important. It's what I had to survive on during a 3-month layover inbetween jobs, where I thought I was going to start the new one immediately but apparently HR botched my paperwork and lost my transcript. I'm so glad I had that backup cash.
I recommend going to your public Library on-line site and looking up business/finance courses, books, and audiobooks for free so you can learn how to research a company before jumping in.
I’m turning 47 I’m so broke From stupid choice made in life that I can’t afford my own 2cents Im so thankful for finding your channel. I’ve made so many mistakes in life and they way you break stuff down helps out a lot and it’s a lot of advice I needed to hear.0
Informative as always. Another pension rule of thumb, that I actually use is take your age when you start investing in a pension, halve it and that's roughly the percentage of income you need to invest. So if you start depositing into a pension fund at 20 you need to put in 10% and then maintain that 10% for the rest of your working life.
I'm happy for this kind of videos, because there are so many little things we skip in the process of trading. Sometimes as a beginner who wouldn't even know where the problem is coming from.
It is no joke that beginners need guidance, because there are a lot of things which you might not know on your own until someone tell you. If not for Mrs Lilian Wan maybe I wouldn't have been a successful trader
@@codydavid6800 It is good to ask for assistance no doubt especially as a beginner. You might not get to know so much on your own unless you are guided.
@@beckydonnelly3303 She's not just good, you should classify her with words like best. She has been my account manager for months now and trust me i haven't seen someone as reliable and productive as her. For beginners it is advisable you contact Mrs Wan if you truly need assistance (MRSLILIANWAN@gmail.com)
I started investing as well last year it's the best choice I did in my life I invested in dividend stocks that pay about 4 times a year if you plan out you can get paid monthly and some have a pretty good intrest rate the ones I have invested in have about 10-15% interest atm I'm gaining £700 a month by doing nothing it also covers most of my expenses every month
@@kitty4dreams you have to do your own research about the companies cause any company that pays over 10% intrest its classified as a risky investment cause there is a chance of the company going bankrupt or remove the dividend so you always have to check the news for the companies you want to invest in
Thank you for this video! I felt like you were speaking directly to me and you definitely gave me a push in the right direction, no more procrastinating especially in 2020.
You deserve way more subscribers. As a man I can say you explain things so much easier than most male finance youtubers. You're the older sister I always wish I had 😀
Depends on your personal risk tolerance. How easy is it for you to find a new job if you lose your job? If it's a medical emergency, are you able to rely on the government safety net where you live? Can you move in with family? Can you quickly cut back on your cost of living if needed? All these are important questions in deciding when (and how much) to invest.
Thanks Rose for making everything so easy to understand. I'm a complete beginner to this and your videos have made me feel less stressed and more confident about investing! :)
Thank you for another great video, Rose! I'm really curious what stocks, index funds, or ETFs you invest in and if you have the time, why/how you chose them?
I love your videos! Very well structured and clearly stated! They should teach all these principles to students before they graduate high school or college.
Most newbies fail simply because they don't understand how the market works in general, or in particular how the market relates to the stock or currency pair they entering. If a retail trades doesn't grasp what the market makers are doing and when they are doing it, the greatest strategy in the world will fall. For new traders the markets are like entering an F1 race before you've passed your drivers licence test. I am a beginner i never believed i made $30,000 in just 1 weeks from trading and with the market. An expert financial analyst and he made me learn to read and understand the language of price action. He guides me with the exact time frame to trade and now I just received my first withdrawals of $30k in my bank account today I'm very happy, my advice contact him and thank me later. I guess this is a good way to show my heartfelt appreciation for literally breaking the chain of my financial debt when I needed it the most. Mr Anthony Joshua has introduced to me a great strategy to make profit and I’m now winning everyday (( anthonyjohua808@gmail. com )) I made $ 123k last week he is from US.....
When talking about investing in individual stocks it's important to mention that stock picking is statistically a losing game: if the financial professionals (actively managed fund managers) almost all fail to beat the market consistently what makes you think you will be able to do it? Index funds or ETF's are the way to go for almost anybody. If you absolutely must try your hand at individual stocks at least put the majority of your money in index funds/ETF's. Safety is paramount: "Rule nr. 1: don't lose money" (Warren Buffet).
THE best video I have seen so far. I started ten days ago and it's been sooo overwhelming, but this one is simple and on point. And finally, it's hosted by a woman! Thanks Rose!
I think another newbie mistake is looking at fund performance without looking at management fees or if there is a load (sales commission). If a bond fund pays 4% per year but charges 3.5% to get in, you make .5% the first year. While future tax avoidance is good, a tradition IRA or 401k offer current avoidance, plus employer matches make some level of 401k a good idea.
The first three minutes of this video captured my attention. The background with the positive framed words, to the book collection, to the rose quartz stone giving all positive vibes and energy to the room. The perfume bottle added a nice touch
@@PìnnedbyCaminoFinanciero-Finan Thank you so much Rose , will do ,I have tons of questions, just opened my Roth Ira and still wondering how to pick my mutual funds!!!:/
once you evaluate the stock marcket long term groth curve - you should remember adjustment to inflation. For example now after FedRes has generated a few trillions the real value of a dollar will not be the same.
Hi Rose I just started investing last month, I’m right where you were saying in terms of my financials. I put in $500 into ETFs using STASH & I bought a few individual stocks with Robinhood. KO, Twitter, Tesla, & some other tech companies. I set up auto-stash for my ETF investments to add about $50 a week, distributed evenly. I think I’m going to start saving more into my new fidelity ROTH IRA account once this stimulus check hits. I’m still a little confused on what I want my Roth IRA portfolio to look like atm. My stash portfolio is up $50 since last month 👍🏻 great to see returns like this so fast.
Would recommend reading books first for a year and learn the basics of investing before investing. I would hate not to be able to invest now, but my mind would feel more at ease if I know at least a little about the basics. At the moment I don't know shit
Rose thank you for your raw advice. I'm starting late in life having an IRA and your advice has given me so much information on what I need to know to get started. Very much appreciated
Thank you so much Rose for sharing your knowledge on investing, I found this incredibly helpful! Its great to see that you have more videos for people who are beginners at investing and I look forward to watching more of them. Thanks so much again!
Your explanation is realistic and straight to the point. l watch several video's on how to trade in the market but haven't made any headstart because they are either taIking some gibberish or sharing their story of how they made it. And l don't want to make mistakes by taking risks on my own
Seriously the best investment video on the internet! I’m new to investing and most of the videos are for likes and are BS. But not this one it’s perfect
Very scary but I'm going to try M1 Finance once I finish saving my emergency fund. No credit card debt, just my mortgage. I've knocked off 70000 of the principal. Car is paid off and I only owe 800 in medical bills. I work full-time as a nurse. So I'm going making a plan now. Thanks for the advice
why a lot of traders lose is because they do not know the correct market indices/signals to coolate, analyse and interpret before trading, many merely watch these videos, use the strategy they saw that day and pray it works for them without understanding why consistency matters, they make random trades, win 10% and lose 90%.These loses pile up and then they realize they have lost way more than they win these were hindrances to me till i sought professional help from a financial advisor/broker ...I just hit the 7 figure mark to my portfolio this year...I've been trading this year with my head high...
@@walter.dlawson2580 her name is "Nancy Jane Gluck " she's one work with , met her through a webinar .. look up her name you would see all you need to know..you could leave her a message on her webpage
I'm starting to invest and I have to say that this list is super accurate. I made and continue to make some of these mistakes, but I'm getting better. I have a suggestion: don't use words like "stupid" . It makes the subject less welcoming and create a judgmental atmosphere. After all, we make these mistakes because we're in the unknown and learning. No need to beat people up when performance can be measured with numbers, that speak for themselves. Thanks for your content, good stuff.
Thank You Rose for all your advices! Literally all your videos are my "study break" videos, It's actually crazy for me that I'm studying and doing my assignments and when I feel like I need a break I'm watching your videos without having any headaches (This means you explain really well XD) I'm right now catching-up all your videos at once too! I really enjoy your content, I'm 23 yo and I just started investing and I am willing to learn more and do my researches! Keep up with your youtube channel! Love xoxo
Am looking forward to invest massively in the stock market but I lack a smart mentor who is good at handling investments. I've seen good good commendations about Mr. Gerrald Hamilton on different platforms ,pls how do I connect with him?
Emergency funds are so important. Have AT LEAST $1000 in it. The average American doesn't even have $500 saved. Knock it out and while you are doing so, study the various assets and stocks. Rose is on the mark here. Great video!
I recall in 2018 when my dad passed but I had about 9k saved which I gladly used to bury him. Its such a relief. It happen around thanks giving so you know nobody had the money not to mention people don't save. Having that money put less stress on me.. I'm currently in the process of putting that money back. That was easier than taking a loan out.😤
@@phildurre9492 Monthly? Well I only know the yearly which is somewhere in the $30,000s annually. Part of it is a lack of financial education and planning ahead.
Thank you, Rose! Great tips. You do a terrific job of explaining things. You also addressed many of my wonderings about investing. Looking forward to more great content from your videos.
Summary: Pay off debt. Emergency fund to cover you for 6month. START investing. Don’t be emotional. Keep going. Wait it out for 10 years. Swim in money.
naw .. you been millionaire from march 18 or 20 to like august .. sell out . been rich on small savings ... dont hurry . sit back play 1 stock or 5 .. might better play once a year on a low in good stock. pick your stocks . watch em ... find undervalued stock ... long term ... let it melt down again soon then buy back in ... once win once or dont play once every 5 years or 10 or 20 or 30 . only need one play in a life time .. 20 to 60 grand turns into huge gain ... how i look at it ... one stock . get used it . play it once a month ... simple ... debt no thanks ... long term is risky .. good advice though ..
Most people can't afford to have 6 months of emergency funds (6 months of salary), unfortunately. I have about 2 months and will get to 3 by the spring, hopefully.
@@Bazza5000 She didnt mean today, in your budget have saving for an emergency fund in mind (ex. 10% of your monthly pay) until you have that 6+ months saved, then divert that spare money toward investing after your emergency fund is comfortable to you
@@JustATotalNerd I get you. I've already invested before getting the 6 months. I do have a month and a half in cash, but the credit card is making it hard to save. I will start cutting back on large payments.
Great content as always! A couple subtleties. Roth makes sense if 1) you meet the criteria and are able to contribute to a roth 2) your employer doesn't match a 401k. Probably also worth mentioning that Roth's aren't tax free...you just get taxed up front and don't pay taxes on the gains
@@itsrosehan I did not quite follow this. Is it not a good idea to contribute to roth ira if you have an employer matching 401k and are contributing to that 401k? Or is it not allowed to contribute to both?
I also disagree with that point. I think a savings account is a solid investment. Rose's math of losing 2% annually to inflation is not what I find. The top savings account right now has a 1.1% APY. The inflation rate has not been that high since March. Over the last few years I've been tracking it, the top savings account interest rate has never lagged inflation by more than 0.6%, and it has often outpaced inflation. The other two advantages to savings accounts are FDIC insurance (up to $250K) and near-perfect liquidity, 6 withdrawals a month with no penalty. I think a savings account is always an important part of your diversified portfolio. It helps you to hedge risk, like back in February when you heard all this news about COVID-19 and felt nervous about the market and sold your securities, a savings account is a great place for that cash to go.
@@joshuaharrell554One year CD's are far better than a savings account, they pay higher interest rates. Set them up in what is known as a ladder formation, meaning buy one once a month that way after 12 months your CD's will be maturing every month so you can take advantage of whatever bank is paying the highest interest rate at the time. Don't forget to see what the rules of the bank are for early withdrawal some are stricter than others. Cd's should be used as an emergency fund, not as an investment account, for that invest into what the commentator said a low cost Vanguard index fund, such as VTSAX for stocks and VBTLX for your bonds, a conservative approach would be a 50% mix. If you can handle more risk for more gain increase the ratio. Your age really determines what your ratio should be. Read Jack Bogles book titled " The little Red Book Of Common Sense Investing" BTW... he is the founder of Vanguard and index funds as they are know today.
@@joshuaharrell554 fdic insurance in any bank? Bank of america too? Is it free? Do you need to sign up or you got it automatically? Sorry for so many questions.
@@aishkaa7087 Every major bank in the US has FDIC insurance. Definitely Bank of America. You still have to have your money in an account that is insured. Typically, savings and checking accounts are insured while investments and investment accounts are not. It's completely free and no separate sign up is needed. As soon as you open a qualifying account, you have it.
@@joshuaharrell554 saving accounts are a joke, all it does is barely making it break-even against the inflation. I wouldn't call that 'solid' investment but the bare minimum, which won't get you to early retirement.
Rose, I have only watched 2 of your videos and I have learned so much. You explained everything so thorough and clear. I cant wait to watch your next video!! Thank you
Before committing to any one type of Investments, one should always spend time conducting research, examining options, and verifying market conditions. As a beginner, it's best you get an expertise guide from an experienced Investment Advisor and work on your investing tolerance and with time you'd learn to navigate the market all by yourself. Although you’ll initially need to put in some sweat equity before you can generate income passively, it’s the only way to ensure that you can make sound investment decisions.
Love this, just some more tips for beginner investors: 1) Don't try and predict the market. There are people that get paid huge sums of money to do so for a living. They have inside information that you or I do not. 2) Play the long game. On average you will make at least 8% per year on index funds like the S&P500 or FTSE 100 3) Don't be an emotional investor
When i initially started investing, i lost quite a lot because i lack a proper knowledge about the market and i was "guess trading" until i got introduced to a professional broker who provides me with daily expertise strategies, daily trading signals and within 3 months of investing, I made enough profit to buy a home, start a business and all from an investment of Twenty thousand dollars. Nothing beats engaging an expert in any trade❗❗
"There is nothing wrong with a 'know nothing' investor who realizes it. The problem is when you are a 'know nothing' investor but you think you know something" - Warren Buffett Most important quote for investors really...
@@nicomorales244 That's impressive. I have been having lots of difficulties trading even after documenting my trades coupled with some strategies i got online, can you share more info about this professional broker or how one can reach out ??
@Investing With Rose I seriously dont mind. The BTC price has been kind of dancing around for few days now, I would really appreciate your opinion/advice. I have been contemplating whether or not to sell off my coins. (Cus I know how volatile the Crypto market can be) And FYI, I just opened a fidelility account based off your detailed tutorial for beginners, you've made what seems like a mountain become a mole hill. Please keep doing what you do, God bless your heart 🙏🤗👍🏽
Tips for crypto to new babies 1. Invest what you can lose 2. Do not be motivated by greed to invest blindly 3. Use a right coach/broker to losses 4. Choose a relatively stable altcoin
Great information and very encouraging. I have a lot to learn yet, but you make investing a lot less daunting. I look forward to starting, and to watching more of your videos!
Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.
I agree. I have pulled in more than $435k since 2020 through my financial-advsor. It pays off more in the long run to just pick quality stocks and ride with those stocks.
wow ,that’s stirring! Do you mind connecting me to your ad-visor please. I desperately need one to diversified my port-folio
Pamela Kay Regel
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
1. Mistake no 1. You are not investing
2. Keep emergency fund 3 to 6 months survival before investing anything.
3. Mistake, you are waiting for the right time to start (that time will not come)
4. Invest, start small and gradually increase. Dont start big. You can panic and may have to sell your stock causing a life time experience.
5. Not investing enough money. You have to invest enough to have something saved for retirement.
6. Invest in tax free account (ROTH IR for example) and others
7. Not being honest to yourself. Can you research companies, do you have the time and skills. If not invest in Index Fund, otherwise can invest in stocks etc
Hope this helps.
@@thebearablebull3749 May I ask, how is that different. One can buy and trade crypto on Robinhood or any other brokerage App?
so many great tips!!! definitely all really great... i haven't gotten into as much stock but I own a bit of real estate so my downpayments are big larger than stocks but these are all so true
thanks
Your the man Mr. Khan
1 and 2 are antithetical if you're broke
Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!
Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life because I invested early ahead this time .
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.
Rebecca Nassar Dunne is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
'Rebecca Nassar Dunne’ is the manager I use. Just research the name. You'd find necessary details to set up an appointment.
"I see a lot of beginner investors getting ready to get ready" 😭 this is me
Actually getting ready to get ready now 🤣
@Investing with rose I would love to learn more
Same but I took the dive to invested $250 with some fractional shares after saying I'll start for 2 years.
SAMEEEE
hahahahah ive been trading/investing for a few years now and i wished i did all this right when i got out of hs and started working while in college
*EVERY FAMILY HAS SOMEONE WHO BREAKS THE CHAIN OF POVERTY IN THAT FAMILY,I PRAY YOU BE THE ONE*
Starting early is the best way of getting ahead to build wealth,investing remains the priority. Forex trading has plenty of opportunities to earn a decent payout,with the right skills and proper understanding of how the market works
I totally agree with you,Forex trading is the most profitable venture I ever invested in,I reached my goal of $500k yearly trade earnings, setting realistic goals is an essential part of trading
But successful people don't become that way over night,what most people see is a glance wealth,a great career,purpose is the result of hard work and hustle over time
Talking about being successful! I know am blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Blossom Jefferson
As a single mom I now make $15,000 monthly all thanks to expert Mrs Blossom Jefferson
The most important thing that should be on everyone's mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.
I’m 45 this year... just starting to invest in the stock market. Thanks for the info :)
Most newbies fail simply because they don't understand how the market works in general or in particular how the market relates to stock/forex or currency pair they entering. If a retail trades doesn't grasp what the market makers are doing and when they are doing it, the greatest strategy in the world will fall. For new traders the markets are like entering an F1 race before you've passed your drivers license test. mate as a beginner it’s not really easy to know the right broker,until I met this man in the store 🏬 when he was talking to a student I head him talking about forex and stock which got my attention to him,I told him my story and he asked me if I’m still interested again which I told him yes. and he started helping me,now at least I am not the best but I am really making a huge profit as I invest,if you are interested please contact him now. he is very honest and trustworthy,contact him now at (elvishercules48@gmail.com)Stay safe all of you
POV: you’re watching this in Jan 2021 and now know the perfect day to have invested was 3/23/2020.
:(
This comment is hilarious and sad at the same time
Lol
There is always another boat 🚣♀️
yezzuuur buy the fear. I became broke that day. every penny went to stocks. Market psychology is real funny. everyone sees the fear but not the undervalued.
4:15 the emergency fund is more valuable than I realized, and I am learning the hard way. Please, folks - don't overlook this. You may end up tying up liquidity in the markets, and have it unavailable when you need it most. Awesome video!
I watched something like 20 videos in the last few days about investing strategies and general advise. This is so far one of my favourite, for both content, simplicity and presentation. Great job, Rose 🙌
You literally discuss every topic necessary to know for investing and simplify it for better understanding. The examples you give, the charts, actual website walk through, etc., are amazing and makes it so much easier to understand. Thank you!!!
It’s so kind of you Rose to want to help us as much as you can so we don’t end up bag ladies or bag men ! Thanks for thinking and caring about others too instead of just yourself ....
❤
you're my favorite UA-cam financial educator! U explain complex concepts in an easy-to-understand manner with a nice pace and quality video editing! setting the bar!
Wow, thank you!
Remember God loves you♥️😊!
Good news is that Jesus paid the punishment for your sins, He died, and rose from the dead on the 3rd day. you are ONLY forgiven and saved by putting faith in Jesus Christ for salvation.
Please repent, change your life around and live for Him🙏.
He is coming back soon🥳🎊....
Are you like me? Never had the money or investing conversation with your parents? Now as an adult it feels like the light bulb came on. 💡
Me being pissed off that all the companies I have researched were 6 times cheaper 4 months ago
I literally remember searching "How can I get dvds sent to me like blockbuster but online?"
It was in the third page that I found Netflix smh nobody taught me anything
My parents never had that conversation with their parents either, and their light bulbs never lit up.
I won't let that happen to me.
well i guess im luck then i was talking to my dad about investing in real estate the other day
I buy stocks with my friend at 80% profit. He's a good broker
This pretty much scarred the shit out of me - but its time. Never had this conversation either with the folks. Looks like im gonna be working two jobs for the foreseeable future… hustle.
This literally feels like I’m talking to a parent. I’m so grateful for people on yt who do all this research and put it out there for free! 👌🏽👌🏽
Thank you for taking the time to make these videos. I am 56 years old and have had A 403B for only 13 years. I have 3 months of income in an emergency fund. My bills are paid a month ahead. I need to start doing something with all my extra money.Your videos have given me a lot to think about. Thanks again.
I’m currently 21 years old, finishing bachelor’s degree soon and I just started learning about this. Part of me feels like Im sort of early but i’m just glad i’m about to start investing. I’m glad you are educating me on this topic. Thank you for doing everything you do.
I'm just about to start uni and I kinda feel like I'm late 😅😅
Never too early!! You’re lucky. I wish this stuff was around when I was 21. I’m early thirties and could have had A LOT of money by now if I had all the channels I follow now. Start asap.
Lol I just turned 18
Start paying off your loans and debt first before you start investing in stocks. This is advice to anyone that owes money to the bank.
@@perlaperez6663 lol just turned 17 oop
This is one of the best videos I have ever seen. Extremely good information for personal money management and budget
I am hooked on your channel! Thank you so much for making financial freedom possible & easy to understand!
I'm scared to invest 😫
I know this feeling
Here’s a recommended broker you can start a contract with.
Ryanmichealhans@gmail~com
Whenever i saw testimonies about Ryan Hans Services, I always thought there’re all made up stories till i was convinced and gave it a try. Honestly i don’t regret that move because i invested big and it has been rewarding.
It’s old school to get scared about investing. Take that step to financial freedom 🚀
@@Marie-qm2uf True, Investing is how you take charge of your financial security. It allows you to grow your wealth but also generate an additional income stream if needed ahead of retirement.
Which exactly is the best option to invest in? I decided to diversify my portfolio.🙂
Started investing this week after watching several of your videos. I'm a lot more confident in the stock market now. Thanks Rose and keep up the good work
This helped so much! The breakdown made investing sound a little less intimidating. Thank you!
Very good , sound advice. I love your way of informing people of their financial abilities. You are a smart lady and make me laugh. Rose Rocks! I'm a fan.
😬😬😬 thank you!
I hadn't heard of the 4% rule. Thank you.
That emergency fund is so important. It's what I had to survive on during a 3-month layover inbetween jobs, where I thought I was going to start the new one immediately but apparently HR botched my paperwork and lost my transcript. I'm so glad I had that backup cash.
I recommend going to your public
Library on-line site and looking up business/finance courses, books, and audiobooks for free so you can learn how to research a company before jumping in.
I appreciate Rose’s unfiltered honesty
I’m turning 47 I’m so broke From stupid choice made in life that I can’t afford my own 2cents Im so thankful for finding your channel. I’ve made so many mistakes in life and they way you break stuff down helps out a lot and it’s a lot of advice I needed to hear.0
Informative as always. Another pension rule of thumb, that I actually use is take your age when you start investing in a pension, halve it and that's roughly the percentage of income you need to invest. So if you start depositing into a pension fund at 20 you need to put in 10% and then maintain that 10% for the rest of your working life.
I'm happy for this kind of videos, because there are so many little things we skip in the process of trading. Sometimes as a beginner who wouldn't even know where the problem is coming from.
The video is really nice, true talk.
It is no joke that beginners need guidance, because there are a lot of things which you might not know on your own until someone tell you. If not for Mrs Lilian Wan maybe I wouldn't have been a successful trader
@@codydavid6800 It is good to ask for assistance no doubt especially as a beginner. You might not get to know so much on your own unless you are guided.
This Lilian Wan, I have seen some other recommendations about her, she really must be good for people to always talk about her
@@beckydonnelly3303 She's not just good, you should classify her with words like best. She has been my account manager for months now and trust me i haven't seen someone as reliable and productive as her. For beginners it is advisable you contact Mrs Wan if you truly need assistance (MRSLILIANWAN@gmail.com)
I starting to understand and find investing quite interesting.
I started investing as well last year it's the best choice I did in my life I invested in dividend stocks that pay about 4 times a year if you plan out you can get paid monthly and some have a pretty good intrest rate the ones I have invested in have about 10-15% interest atm I'm gaining £700 a month by doing nothing it also covers most of my expenses every month
@@AddictedToMusicGR that sounds very nice.
@@AddictedToMusicGR care to share your knowledge?
@@kitty4dreams you have to do your own research about the companies cause any company that pays over 10% intrest its classified as a risky investment cause there is a chance of the company going bankrupt or remove the dividend so you always have to check the news for the companies you want to invest in
Thank you for this video! I felt like you were speaking directly to me and you definitely gave me a push in the right direction, no more procrastinating especially in 2020.
Very happy to see your channel growing! When I started following a few months ago, you had roughly 1.5k subs!
Thank you so much for being clear, honest and helpful. You’ve untangled a lot of my fears and make me excited to start. You rock!
I’m so happy I found your videos rose, your definitely a God send.
You deserve way more subscribers. As a man I can say you explain things so much easier than most male finance youtubers. You're the older sister I always wish I had 😀
Hehe thank you! Girl power 💪🏼 Wish I’d had an older sister too - my teenage years would have been much less confusing for me 😆
haha aw, nice to see a non flirtatious comment coming from a man 😅😂
@@itsrosehan Hey Rose, do you offer trading training? If yes am interested.
These videos have helped me learn so much so fast. Love your detailed explanations!
good info and everyone should definitely be investing. However, i think the first thing is to have a 6 month emergency fund first.
I agree. Invest in yourself, then invest elsewhere.
Depends on your personal risk tolerance. How easy is it for you to find a new job if you lose your job? If it's a medical emergency, are you able to rely on the government safety net where you live? Can you move in with family? Can you quickly cut back on your cost of living if needed? All these are important questions in deciding when (and how much) to invest.
Joshua Harrell nice tips man
She said that
Did you not watch the video? She mentions to have an emergency fund in the first point and the entire second point is "Have an Emergency Fund".
I feel like I'm making all of these mistakes. Thanks Rose! I just came across your channel and I love how 'on the nose' your analysis is.
How did I just now find your videos? Really great, thanks!
I got in around June and it was a great time to get in.
Thanks Rose for making everything so easy to understand. I'm a complete beginner to this and your videos have made me feel less stressed and more confident about investing! :)
This gal knows what she's talking about! Great video as always!
I absolutely love your suggestions!!!
As a beginner in investment, I can see the difference now between Mutual Funds, Index funds and ETFs. Thanks for sharing your knowledge!
Thank you for another great video, Rose! I'm really curious what stocks, index funds, or ETFs you invest in and if you have the time, why/how you chose them?
Hey girl, great question! I have a video about exactly that :) here it is: Fidelity Index Funds For Beginners (DETAILED TUTORIAL)
I love your videos! Very well structured and clearly stated! They should teach all these principles to students before they graduate high school or college.
My UA-cam subscriptions have slowly become investment/financial advisor channels. I guess I’m finally becoming an adult. 😅
same lol. internet high five
@@ryanvaldezotto7338 the adulting is real over here too!!
or you just like money
,👌
me too 😆
This knowledge is GOLD. Rose, thank you for guiding us!
great video just invested in an index fund. thanks for breaking it all down!
Most newbies fail simply because they don't understand how the market works in general, or in particular how the market relates to the stock or currency pair they entering. If a retail trades doesn't grasp what the market makers are doing and when they are doing it, the greatest strategy in the world will fall. For new traders the markets are like entering an F1 race before you've passed your drivers licence test. I am a beginner i never believed i made $30,000 in just 1 weeks from trading and with the market. An expert financial analyst and he made me learn to read and understand the language of price action. He guides me with the exact time frame to trade and now I just received my first withdrawals of $30k in my bank account today I'm very happy, my advice contact him and thank me later. I guess this is a good way to show my heartfelt appreciation for literally breaking the chain of my financial debt when I needed it the most. Mr Anthony Joshua has introduced to me a great strategy to make profit and I’m now winning everyday (( anthonyjohua808@gmail. com )) I made $ 123k last week he is from US.....
These are very important points to consider when considering to start investing.
When talking about investing in individual stocks it's important to mention that stock picking is statistically a losing game: if the financial professionals (actively managed fund managers) almost all fail to beat the market consistently what makes you think you will be able to do it? Index funds or ETF's are the way to go for almost anybody. If you absolutely must try your hand at individual stocks at least put the majority of your money in index funds/ETF's. Safety is paramount: "Rule nr. 1: don't lose money" (Warren Buffet).
THE best video I have seen so far. I started ten days ago and it's been sooo overwhelming, but this one is simple and on point. And finally, it's hosted by a woman! Thanks Rose!
I love your enthusiasm
I think another newbie mistake is looking at fund performance without looking at management fees or if there is a load (sales commission). If a bond fund pays 4% per year but charges 3.5% to get in, you make .5% the first year. While future tax avoidance is good, a tradition IRA or 401k offer current avoidance, plus employer matches make some level of 401k a good idea.
I've never seen a video so advertised. This video has probably popped up at least 50 times in the last 2 days. But hey I finally clicked on it.
:)() + 1 8 5 8 4 1 3 7 5 6 6 ::;)))
Sincerely speaking, I never made a mistake subscribing to her channel 💓💓💓💓💓she literally spits gold✨✨
The first three minutes of this video captured my attention. The background with the positive framed words, to the book collection, to the rose quartz stone giving all positive vibes and energy to the room. The perfume bottle added a nice touch
Whether you are a beginner who knows nothing about investing, or a seasoned market veteran, listen to Rose. Solid advice
For sure I'm starting tomorrow!!!
I got my emergency found!!
@@PìnnedbyCaminoFinanciero-Finan Thank you so much Rose , will do ,I have tons of questions,
just opened my Roth Ira and still wondering how to pick my mutual funds!!!:/
I love these 7 mistakes. Thanks for the knowledge :)
I'm loving Investing with Rose so far.
once you evaluate the stock marcket long term groth curve - you should remember adjustment to inflation. For example now after FedRes has generated a few trillions the real value of a dollar will not be the same.
Good advices and very informative. Extremely well prepared presentation.
These are great tips. Thanks, Rose!
Hi Rose I just started investing last month, I’m right where you were saying in terms of my financials. I put in $500 into ETFs using STASH & I bought a few individual stocks with Robinhood. KO, Twitter, Tesla, & some other tech companies. I set up auto-stash for my ETF investments to add about $50 a week, distributed evenly. I think I’m going to start saving more into my new fidelity ROTH IRA account once this stimulus check hits. I’m still a little confused on what I want my Roth IRA portfolio to look like atm. My stash portfolio is up $50 since last month 👍🏻 great to see returns like this so fast.
Would recommend reading books first for a year and learn the basics of investing before investing. I would hate not to be able to invest now, but my mind would feel more at ease if I know at least a little about the basics. At the moment I don't know shit
I would use ROTH IRA for dividend stocks and reinvest those dividends to buy more stocks. Plus, it will be all tax-free once you hit 59.
Rose thank you for your raw advice. I'm starting late in life having an IRA and your advice has given me so much information on what I need to know to get started. Very much appreciated
Thank you so much Rose for sharing your knowledge on investing, I found this incredibly helpful! Its great to see that you have more videos for people who are beginners at investing and I look forward to watching more of them. Thanks so much again!
Thank you so much for the good information and upbeat delivery.
Awesome video. Thanks Rose!
Your explanation is realistic and straight to the point. l watch several video's on how to trade in the market but haven't made any headstart because they are either taIking some gibberish or sharing their story of how they made it. And l don't want to make mistakes by taking risks on my own
Why did not find you years ago. Thanks for all the great and honest, advice and information. Its been helping me a lot. Good fortune to you..
You're speaking gems!!!! Im so glad I subscribed :)
Why are you so good at this? This video is just too good. Thank you for making this.
Loved this video, Rose! Learned something new and got validation to motivate me as an investing beginner :) wish u more fortune!
Seriously the best investment video on the internet! I’m new to investing and most of the videos are for likes and are BS. But not this one it’s perfect
Very scary but I'm going to try M1 Finance once I finish saving my emergency fund. No credit card debt, just my mortgage. I've knocked off 70000 of the principal. Car is paid off and I only owe 800 in medical bills. I work full-time as a nurse. So I'm going making a plan now. Thanks for the advice
How did you reduce the mortgage? Refinancing?
why a lot of traders lose is because they do not know the correct market indices/signals to coolate, analyse and interpret before trading, many merely watch these videos, use the strategy they saw that day and pray it works for them without understanding why consistency matters, they make random trades, win 10% and lose 90%.These loses pile up and then they realize they have lost way more than they win these were hindrances to me till i sought professional help from a financial advisor/broker ...I just hit the 7 figure mark to my portfolio this year...I've been trading this year with my head high...
Likewise The stock market controls a huge part of my passive income flow, I invest big and profits come even bigger...advisors can be real life savers
@@walter.dlawson2580 her name is "Nancy Jane Gluck " she's one work with , met her through a webinar .. look up her name you would see all you need to know..you could leave her a message on her webpage
similarly, I invest with a professional also a broker and investment advisor too, we make joint investment decisions
I am so happy you have shared your knowledge with us all! Thank you for creating this platform, Rose.
I'm starting to invest and I have to say that this list is super accurate. I made and continue to make some of these mistakes, but I'm getting better. I have a suggestion: don't use words like "stupid" . It makes the subject less welcoming and create a judgmental atmosphere. After all, we make these mistakes because we're in the unknown and learning. No need to beat people up when performance can be measured with numbers, that speak for themselves.
Thanks for your content, good stuff.
Thank You Rose for all your advices! Literally all your videos are my "study break" videos, It's actually crazy for me that I'm studying and doing my assignments and when I feel like I need a break I'm watching your videos without having any headaches (This means you explain really well XD) I'm right now catching-up all your videos at once too! I really enjoy your content, I'm 23 yo and I just started investing and I am willing to learn more and do my researches! Keep up with your youtube channel! Love xoxo
well spoken, clear and concise, insightful - thank you
Great clue and is not in doubt....ensure you secure an expert before delveling into stock market.
Is a basic fact, I remember I was lucky securing one then. Mr. Gerrald Hamilton who has been a professional for many years.
Ever since I decided to try expert Gerrald ,he has made about $16,000 for me on every $5000 I invested just in 15days.
Am looking forward to invest massively in the stock market but I lack a smart mentor who is good at handling investments. I've seen good good commendations about Mr. Gerrald Hamilton on different platforms ,pls how do I connect with him?
@@@chinwendun6401
He's at
I started trading with him when I was on a trip UK and ever since then I always receive huge profits.
Thank you Rose!! Love the video 👍🏻
Thank you very much for sharing your knowledge.
AND SOCAL SECURITY IF IT'S STILL AROUND IN THE FUTURE.... #NOTED timeStamp: #13:25
Emergency funds are so important. Have AT LEAST $1000 in it. The average American doesn't even have $500 saved. Knock it out and while you are doing so, study the various assets and stocks. Rose is on the mark here. Great video!
I recall in 2018 when my dad passed but I had about 9k saved which I gladly used to bury him. Its such a relief. It happen around thanks giving so you know nobody had the money not to mention people don't save. Having that money put less stress on me.. I'm currently in the process of putting that money back. That was easier than taking a loan out.😤
@@thisizdub That's awesome how you thought ahead. My condolences by the way.
Nostradante wow what does the average american earn/ month then? 200$?
@@phildurre9492 Monthly? Well I only know the yearly which is somewhere in the $30,000s annually. Part of it is a lack of financial education and planning ahead.
Nostradante are you really telling me you know how much per year but not how much per month??? cant you devide a number by 12. wtf !
Thank you, Rose! Great tips. You do a terrific job of explaining things. You also addressed many of my wonderings about investing. Looking forward to more great content from your videos.
I absolutely admire and appreciate you Rose! THANKS for what you do!🙏
Great tips Rose..
Summary: Pay off debt. Emergency fund to cover you for 6month. START investing. Don’t be emotional. Keep going. Wait it out for 10 years. Swim in money.
naw .. you been millionaire from march 18 or 20 to like august .. sell out . been rich on small savings ... dont hurry . sit back play 1 stock or 5 .. might better play once a year on a low in good stock. pick your stocks . watch em ... find undervalued stock ... long term ... let it melt down again soon then buy back in ... once win once or dont play once every 5 years or 10 or 20 or 30 . only need one play in a life time .. 20 to 60 grand turns into huge gain ... how i look at it ... one stock . get used it . play it once a month ... simple ... debt no thanks ... long term is risky .. good advice though ..
@@cowpoke02 Short term is much more risky than long term. Also tf is up with your formatting
Most people can't afford to have 6 months of emergency funds (6 months of salary), unfortunately. I have about 2 months and will get to 3 by the spring, hopefully.
@@Bazza5000 She didnt mean today, in your budget have saving for an emergency fund in mind (ex. 10% of your monthly pay) until you have that 6+ months saved, then divert that spare money toward investing after your emergency fund is comfortable to you
@@JustATotalNerd I get you. I've already invested before getting the 6 months. I do have a month and a half in cash, but the credit card is making it hard to save. I will start cutting back on large payments.
Great content as always! A couple subtleties. Roth makes sense if 1) you meet the criteria and are able to contribute to a roth 2) your employer doesn't match a 401k. Probably also worth mentioning that Roth's aren't tax free...you just get taxed up front and don't pay taxes on the gains
Good clarifications, thank you!
Some employers offer Roth 401ks
@@itsrosehan I did not quite follow this. Is it not a good idea to contribute to roth ira if you have an employer matching 401k and are contributing to that 401k? Or is it not allowed to contribute to both?
I've never considered how leaving my money in the bank could be bad
I also disagree with that point. I think a savings account is a solid investment. Rose's math of losing 2% annually to inflation is not what I find. The top savings account right now has a 1.1% APY. The inflation rate has not been that high since March. Over the last few years I've been tracking it, the top savings account interest rate has never lagged inflation by more than 0.6%, and it has often outpaced inflation. The other two advantages to savings accounts are FDIC insurance (up to $250K) and near-perfect liquidity, 6 withdrawals a month with no penalty. I think a savings account is always an important part of your diversified portfolio. It helps you to hedge risk, like back in February when you heard all this news about COVID-19 and felt nervous about the market and sold your securities, a savings account is a great place for that cash to go.
@@joshuaharrell554One year CD's are far better than a savings account, they pay higher interest rates. Set them up in what is known as a ladder formation, meaning buy one once a month that way after 12 months your CD's will be maturing every month so you can take advantage of whatever bank is paying the highest interest rate at the time. Don't forget to see what the rules of the bank are for early withdrawal some are stricter than others. Cd's should be used as an emergency fund, not as an investment account, for that invest into what the commentator said a low cost Vanguard index fund, such as VTSAX for stocks and VBTLX for your bonds, a conservative approach would be a 50% mix. If you can handle more risk for more gain increase the ratio. Your age really determines what your ratio should be. Read Jack Bogles book titled " The little Red Book Of Common Sense Investing" BTW... he is the founder of Vanguard and index funds as they are know today.
@@joshuaharrell554 fdic insurance in any bank? Bank of america too?
Is it free? Do you need to sign up or you got it automatically?
Sorry for so many questions.
@@aishkaa7087 Every major bank in the US has FDIC insurance. Definitely Bank of America. You still have to have your money in an account that is insured. Typically, savings and checking accounts are insured while investments and investment accounts are not. It's completely free and no separate sign up is needed. As soon as you open a qualifying account, you have it.
@@joshuaharrell554 saving accounts are a joke, all it does is barely making it break-even against the inflation. I wouldn't call that 'solid' investment but the bare minimum, which won't get you to early retirement.
Rose, I have only watched 2 of your videos and I have learned so much. You explained everything so thorough and clear. I cant wait to watch your next video!! Thank you
Thank you, Rose!! I am so happy I found your channel. I love your advice and energy!
Before committing to any one type of Investments, one should always spend time conducting research, examining options, and verifying market conditions.
As a beginner, it's best you get an expertise guide from an experienced Investment Advisor and work on your investing tolerance and with time you'd learn to navigate the market all by yourself.
Although you’ll initially need to put in some sweat equity before you can generate income passively, it’s the only way to ensure that you can make sound investment decisions.
True, most people just log on to UA-cam to get info on the stocks to pick, without basic understanding on portfolio selection and risk tolerance.
Love this, just some more tips for beginner investors:
1) Don't try and predict the market. There are people that get paid huge sums of money to do so for a living. They have inside information that you or I do not.
2) Play the long game. On average you will make at least 8% per year on index funds like the S&P500 or FTSE 100
3) Don't be an emotional investor
When i initially started investing, i lost quite a lot because i lack a proper knowledge about the market and i was "guess trading" until i got introduced to a professional broker who provides me with daily expertise strategies, daily trading signals and within 3 months of investing, I made enough profit to buy a home, start a business and all from an investment of Twenty thousand dollars. Nothing beats engaging an expert in any trade❗❗
"There is nothing wrong with a 'know nothing' investor who realizes it. The problem is when you are a 'know nothing' investor but you think you know something" - Warren Buffett
Most important quote for investors really...
@@nicomorales244 That's impressive. I have been having lots of difficulties trading even after documenting my trades coupled with some strategies i got online, can you share more info about this professional broker or how one can reach out ??
Great content, Exactly what i need right now, you just earned another subscriber
@Investing With Rose I seriously dont mind. The BTC price has been kind of dancing around for few days now, I would really appreciate your opinion/advice. I have been contemplating whether or not to sell off my coins. (Cus I know how volatile the Crypto market can be)
And FYI, I just opened a fidelility account based off your detailed tutorial for beginners, you've made what seems like a mountain become a mole hill. Please keep doing what you do, God bless your heart 🙏🤗👍🏽
Tips for crypto to new babies
1. Invest what you can lose
2. Do not be motivated by greed to invest blindly
3. Use a right coach/broker to losses
4. Choose a relatively stable altcoin
@William Wayne tip 4.stock is good but crypto is better
Stock is crashing, bitcoin investment right now will be at every wise individual list in a month you are ecstatic with the decision you make today
@@joesmith9979 2021 online stock is just difficult and unbelievable, I'll rather invest my money on crypto
People are ignorant of profitability in bitcoin investment and that has been their major issue limiting their investment
Nice words 👍👍
I really appreciate your delivery - Intelligent, helpful, and easy to listen to! Thanks!
Great information and very encouraging. I have a lot to learn yet, but you make investing a lot less daunting. I look forward to starting, and to watching more of your videos!