As long as you changed income to 0 from today onward. Your numbers will be close to correct. If you didnt change that the system is calculating your income based on last years income and adding that for every year leading up to the day you file.

this is just a 'you get what you pay for'

  
trying to save money on labor in the tech industry rarely has great results. but someone in the business side saw a way to 'save a bunch of money' when collecting bids for service and got a fat bonus check instead of paying what it actually costs for the product/service they needed.

Many places I've read don't suggest an absolute number but a multiple of your income.

40: 3x 

45: 4x

50: 6x

Sounds like you're on your way, congrats!

If you're talking about Infosys, they're an Indian consulting firm that's often outsourced out to to produce cheap and shoddy work: [https://www.infosys.com/industries/education/case-studies/customized-portal-school-district.html](https://www.infosys.com/industries/education/case-studies/customized-portal-school-district.html)

I've heard they recently botched the school portals for a bunch of school districts.

i would just suck it up. yeah its two years left. just go into zombie mode and go through the motions. have kids in the meantime and focus your energy on them.

Not sure how much time you’re spending per week but I would reduce it to 40 hrs max a week with limited travel. Limit your meetings to 50% of your time. Focus on some passion projects that drives innovation and forward thinking.

 Pick up some FIRE hobbies and take 4-6 weeks of vacations per year.

I empathize with your position, and plan to RE next year in a similar circumstance. I did stay for quite awhile post acquisition, however (with no earn out, just a healthy comp).

You would be shocked (coming from an entrepreneurial experience) just how easy it is to “phone it in” for awhile in a corporate conglomerate. I encourage you to stick it out until 2026. The pay-to-work ratio is just outrageous for doing so.

As I have counseled my coworkers whom I trust, “Sometimes you just have to care less.”

I think ignoring social security is usually something that people do when they have a long ways to go until retirement.

Once you start actually planning it out, figuring out failure probabilities, etc, adding in SS helps reduce the risk/variability a lot. Especially at leanFIRE levels, as you mention it effectively gives you a fixed duration where your investments need to last.

You don't know when you'll die, but you do know when you'll be able to collect SS, and that helps reduce the guessing a lot.

>I know inflation will affect things as well but this has been a really exciting thing to plug into my calculations.

It's worth pointing out that the $2k you're looking at will be inflation adjusted. You'll get the equivalent of $2k in **today's** dollars when you collect.

It's also worth noting that SS is fully funded until 2035 or so, and even if nothing is done to fix it, it will cover \~79% of benefits owed.

Congrats on your launch man! I can't give you advice specifically for your business but here is how we got our first 1000 customers as a B2B SaaS company:

1. **Reddit Notifier**: We setup Notifier to alert us anytime someone talked about our product/competitors/related stuff in my space on any subreddit  and we DM'ed the person. 
2. **LinkedIn Cold Outreach**: We used Apollo to filter for users based on location, profession and then DM'ed them on LinkedIn from my (founder) profile 
3. **Blogs**: We setup Frizerly to automatically publish blogs on topics our customers were already searching for and cross post them to Medium. Medium domain authority helped us rank higher on Google search.
4. **Conferences**: We always asked our friends in the space what conferences they were going to, and we would go hang out around there for free and talk to as many people as we can. 
5. **PR:** We paid around \~$1k to get PR on Forbes. This helped us increase trust + increased domain authority for our blogs/content to show up faster!

Hope this helps :)

The SS $ is great for planning purposes, but should be a minimal consideration if you plan to retire in the early 30’s.  The 30 years in the middle is what the retirement plan needs to fund.

I wish I had invested early and often instead of letting it sit in the bank for so many years, which was essentially like a mattress. I could have retired my 45, but instead I’ll have to work until 65 assuming things go well.

I also did a few spins in the soul sucking hell while daydreaming about something better.

My last real job was in 2006.

I’ve written two best selling books and launched 3 companies in that time.

Haven’t used an alarm clock in 20 years.

It gets better.

But you have to face the uncertainty and do what is deep inside you.

A steady mediocre paycheck is enough handcuffs to keep most people trapped for 30+ years.

Leave good and embrace your own inner great.

When I got let go at the end of a Friday, I thought it as the end of my world. Come the end of the following Monday I had 2 job offers for better companies, better pay with better prospects. 

Being made redundant on that day over 20 years ago was the best thing that ever happened to me and was a key moment in my life.

Start a startup and work on it after work.

Yeah, a lot has changed in these last few years. Just in the last decade we've seen the rise of various platforms and tools (TikTok, Instagram, YouTube, just to name a few) which made it easier for people to monetize their services and passion. 

  
Thanks for reminding me to be grateful for all this OP :)

Where does the majority of your traffic come from? Organic, blogs, social? And what would you say are the most important strategies to growing traffic and sales organically?

Absolutely, you're spot on. I feel really grateful for how the internet changed everything. I mean, social media alone lets you connect with people you’d never meet otherwise. These opportunities weren't available before—now you can literally have a call with someone in a different time zone or country from your couch. And starting a business with just a laptop and Wi-Fi is kind of mind-blowing if you think about it. 

I remember back in the day, my mom used to run a small business, a little cake shop, and it was so much work to get clients. She had to rely on word of mouth and attending these endless local fairs. Now you can boost an Instagram post and reach customers miles away. Plus, platforms like Etsy or Shopify opened a whole new world for people with specific talents. It’s just wild. Entrepreneurship is still a hustle, definitely no easy way, but the tools at our disposal now compared to even a decade ago are just insane.

I am not normally a pessimist, but from what I can see, the lack of barriers to entry is more of a bane than a boon. 

  
The landscape is literally so competitive right now, it's very difficult for businesses to survive, let alone thrive. And this is not exclusive to businesses, even getting a decent well-paying job is insanely hard because there is just too much demand and not enough jobs.

It seems you're on your way to being your own boss!!

Thanks for sharing your success story. What is your advice on finding profitable niches to a successful Ecommerce business around?

How do you deal with fraudulent charge backs?

Duplicate yourself, delegate your sales efforts. Find people to bring people in. Turn your customers into ambassadors

SEO is the best thing when it comes to organic grow, you will drive high quality traffic from Google

We were saving for a house and have officially given up. Houses are too expensive in our area and we lost out on our dream home.

I can see the market has spiked over the last few months so that makes me worroed we're due for a drop. We have emergency funds outside of this money as well as retirement savings. Should I dump the $230K I've had sitting in a HYSA into fidelity s&p?

I started the transfer into a fidelity fstax but I'm not sure if I should start the market investment all at once or bring it in slowly

Is dumping $230K in the S&P at once a bad idea?

I rarely write checks, so when I looked at online banking this evening and saw a check for almost $200 deducted from my account, I was suspicious. The check number seemed random and not like any checks I have ever had. I was able to see a picture of the check which actually appeared to be an electronically generated fill-in-the-blank form and not an actual physical check.

The check was paid to a payday loan company I have never heard of (had to Google the name). In the signature area it had my name typed in italics along with the message "Authorized by your customer, no original signature required, customer authenticated." On the bottom, the MICR line shows my bank's routing number and my account number. The back of the check was blank.

This check has actually cleared and hard-posted to my account. It is obviously not a real check that I issued and signed. How should I go about reversing this transaction? Should I call my bank or the payday loan company that "received" and negotiated the check?

EDIT: How is this even possible? Why would a bank accept an unsigned check? Are they possibly complicit in this?

Unauthorized unsigned check cleared my checking account

I’m a web developer at a massive company (not big tech) and we were told that we should take advantage of training opportunities via online training sites, specifically mentioning “especially AI.”

I have no idea what they mean. I should just learn how to AI by watching videos? Makes no sense to me, so I thought maybe I’m missing something. What do they mean when they say we should develop AI skills as developers? 99% of us are web devs. 

My company today told us to learn AI

We purchased our first home in 2022 for $700K with 3.3 % ARR and 20% down.  My mortgage is $2500/month.  My wife and I gross approx $250K.  I am 40 M and she is 38.  At the time of purchasing we didn't take into consideration how much insurance and taxes will go up.  I will in Dallas area and my home now is valued at $1M which bring my property tax to $16K/year and my home insurance has skyrocketed to $5K/year.  I tried shopping around but that was the cheapest I could find.  My wife does not receive any retirement benefits at work so I still max out my 401K, HSA and both of our Roth IRA. After all the monthly expenses we don't have much left over.  My wife's job as a pharmacist is not secure either anymore which brings more stress.  Being over 40 years of age I definitely don't want to slow down or stop retirement contribution.

Did we buy too much house? I think I made a mistake in purchasing our first home.

As a mostly-lurker I want to share back, given all the help provided by this community.  Not necessarily compelling, but it's a story:

I lean-FIRE'd over the summer at 54.  This could turn into regular fire if markets continue to vroom and/or side hustles/hobby jobs do well.   We've got just under $1m saved and $800k home value (no mortgage, no debts).   Kids grown and working; college paid off.   No pension but wife and I will get $64k in today's dollars with social security at FRA.   Wife working part time at least for now, it's fairly low stress so could go on for some years, and I'm pursuing side hustles, but mostly doing things I love like gaming, cooking, and other hobbies / interests.   Neither of these things provide benefits, so we're using ACA (with subsidies) for medical and dental.

Using the bucket strategy we've got a few years of liquidity, which brings a ton of peace of mind that I've never really had.  Even when pulling a high 6-figure salary, all the money was being put to work (401k, college, mortgage, high general expenses and TAXES) and so it always felt like "if I lose my job we are screwed."     
  
So now, leaving the stress of all that and living a self-directed life with a long time-horizon is incredible, and has allowed me to do things like assess expenses, remove wasteful spend, and take the long road in figuring out how to continue contributing to society / generating some side income doing something I want to do in a part-time, self-directed way. 

I wouldn't have changed much, but one thing I'd change is being more tax-optimal in my high earning years.  We had essentially zero consciousness of this when dealing with things like stock options, RSUs, ESPPs.   And our investments were all over the place, not as streamlined as it is now. So although we could have saved more and could have done better growing our nest egg, all that hard work and chaos ultimately got me this freedom, which is priceless.    
  
Could I have worked 1 or 2 or 5 more years to really pad the nest, make it more ironclad?  Possibly, but the adverse effects stress has on health and happiness is no joke.  Dedicating so much time and mental effort toward a career gets old, when you have other things and wonders in life that you just want to tap into without having to perform in a way that meets the needs of your employer, who thrives on the "if I lose my job now, I'm screwed" lifestyle and mentality.     
  
So yes, I got out early, and will have to do some problem-solving to ensure our FI is never threatened -- might have to downsize at some point, which is fine.   I'd much prefer to put my energies into this kind of problem-solving vs. for some corporation that would push me out without hesitation in order to meet some obscure "other department" bottom-line objective or whatever.  I'm very excited about the future; wake up early every day.  
  
I hope you and yours enjoy the holidays and continue to make steady progress toward your goals, and that you reach them soon.

"done" at 54

Semi-autonomous Driving Engineer at Uber with my Tesla. I make my own hours and make a decent living. 😎

Also gonna try overemployment with Uber Eats and DoorDash.

Finally got a job!

The work is not hard at all I’m not understanding.  Where do you guys find employees that are diligent and do ACTUAL work ??? 

Edit: for people dming me, no you don’t need previous experience or the ability to think outside the box (I’d rather you not actually) the SIMPLE ability to follow a step by step pdf and copy and paste is all. 

Why is it so hard to find any employees that can do simple tasks. The pay is good too. Work from home. Remote. WHY.

Hit 1.5m at right about 40. 
I know this is later compared to many on here. But it feels bit unreal to us since most of the gains have come in the last few years. I was in manufacturing for all of my 20s and early 30s. Partner in non profit role with median college grad pay. I went back to school in mid 30s and did a career change to relatively higher paid work. 

1 kid. Home (30% paid off). 
8-9 months of emergency funds in HYSA. 
Rest of it in index funds in retirement accounts. 
Sharing, celebrating, and thanking folks on here!

1.5M at ~40. Wooho and thank you!

I honestly didn’t think to ask upon getting hired because I’ve never heard of part time employees getting benefits like that. The company matches dollar for dollar up to 4%. I am already contributing 6% through my full time job. So even though it would reduce the amount of money I’m able to save right now, I would be stupid not to take advantage of this right? 

**I will also check to make sure this wouldn’t be putting me over the max yearly contribution. 

Got a part time job on top of my full time to save a bit quicker. Found out they offer retirement plans with matching even for PT employees. I would be stupid to not do that right? 

I feel sick even thinking about this situation. I know it’s an amazing problem to have, but I’m very stressed and I don’t really have anyone to talk to about it. 

For some background, I worked at a restaurant through high school and college. I left after graduating college and started at a job that I love. 

I make around $40k per year, but I have paid medical, dental, and vision. I’m a photographer and I split my time taking and editing photos. I work 9-5, but the schedule is flexible and I can leave early or come in late if I need to. The business I work for is small (a married couple with two other employees), so I’m actually vital to the business. They are currently working on expanding the business, which is why I got hired.

Here’s the thing: I’ve been offered $100k to manage the restaurant. As we all know, restaurant work is not flexible, especially for management. The staffing situation is a mess and the restaurant needs a lot of work. I’ve turned down managing before, but not for this much money. It is just insane and I have no idea what to do. I feel nauseous thinking about it and I need to borrow someone else’s brain.

Some insight about my current financial life: I live with my boyfriend and my half of the bills are $600/mo. I do make enough to comfortably pay all of the bills on my own, which is very important to me. I have approximately $10k in savings, two paid off cars, and I have about $120k left to pay on my home. I am comfortable with my life as is, but I will likely never make this kind of money without taking this opportunity. 




Should I (23F) leave a job I love for A LOT more money?

I work at a school district who is working with a popular student information system vendor to try and get one of their additional services fully integrated into our systems. I am somewhat new to this team but noticed they went into calls with the vendor’s integration team somewhat often (every few weeks or so), so I thought this was a fairly new project they have been working on. I asked my team (database analyst and specialists), who let me know that they’ve actually been working with the vendor’s integration team for OVER 6 YEARS… the product has never worked as intended, and it takes a considerable amount of time away from my team since they have to guide the vendor through every goal they set… despite all this work, nobody at our district has any confidence to even use the product since it has caused so many issues with our staff in the past. 

10s of thousands of taxpayers’ dollars down the drain paying a worthless company delivering an overpriced product to pay ridiculous salaries for employees that are delivering subpar work. At this point, I can’t get mad the tech bubble is popping. We did this to ourselves. 

Curious to know if anyone has had any similar experience as this? Is this more of an anomaly or a trend among these PaaS companies? 

Is this why the industry is failing? 

I read some of the wiki and it says, "A checkpoint at age 40 is somewhere near $250,000." I can't find a check point at 45. I'm unfortunately starting late in life, but I find myself for the first time in my life making almost 5x-ish my yearly budget. I'm 39. I have about $80k in retirement. I won't make the 40 checkpoint. I want to kid if step on the gas for the next couple years and save as much as I can but I'd like a goal to aim for for the next 6 years.

Checkpoint for savings at 45

First post on this community, and doing it under a fresh karma-less Reddit profile because I've got the standard "employer might see this and recognize me" paranoia, so please don't ban me for it. Apologies if I miss any details that are standard for posts here, and apologies in advance for the lack of brevity.

35 years old, (very recently) married, no kids, \~$8M net worth, in MCOL city. Sold my company this year for $60M in cash to a large publicly-traded company. My cut was \~$14M, of which half was paid upfront. Whole team came with, business is intact, investors had a great outcome, etc. All in all a very big and unexpected financial success.  
  
My handcuffs look like this:

* 50% revest over 3Y, paid in quarterly installments. Last installment is paid July 2027.
* There is effectively a 1Y "cliff" built into it because our indemnity of 15% was subsumed by the revest, and so I need to vest into the indemnity through July 2025 before I start getting quarterly checks (roughly $600k/quarter), and then the indemnity (\~$2.1M) is released in Jan 2026.
* My joinder / employment agreement allows for full acceleration of the revest in the event of "Good Reason" resignation or no-Cause termination. Both Good Reason and Cause are very narrowly defined and should be quite easy to adhere to unless I do something truly unethical or illegal and get fired for Cause (highly unlikely) *or* tableflip (more likely) and decide to opt out.

As you can guess, I am highly incentivized to stay until at least Jan 2026, even more incentivized to stay through July 2026 when my NW will hit somewhere in the $12M mark, and if I were to stay through my full revest I'd land somewhere in the $15-16M NW mark if you include my comp package, not including investment returns or taxes (I did get QSBS on my shares so up to $10M in proceeds are 100% tax-free).

Financially, feeling great. I have a clear path to my ideal fatFIRE number, and compared to running a startup this new gig is pretty cushy, low-stress, and boring. And I feel dumb for even posting about this, because it is such a first-world problem.

But I am miserable here. New company is already doing stuff that totally undermines the promise of the acquisition, even just a couple months in. Nearly everyone I work with seems to be on autopilot or in zombie mode; endless corporate speak, jargons, acronyms, etc. I have been trying to spend more time in the parts of the business that give me energy and joy, but those things feel like they are eroding quickly and I'm having a hard time seeing how I do this for another 2.5+ years. 

The good parts (besides the money): I still get to work with the same awesome team since they all came aboard and we are still intact, for now. My cofounder is still here, and we get to vent to one another often. It still feels like I have a "home" because the acquiring company is still keeping us as a semi-independent business. And if I ignore the hours of useless meetings and BigCo BS that I have to deal with, it's actually not that far off from doing startup stuff for much, much bigger money.

In talking to a couple of founders who exited, including one who was acquired by the same company I was acquired by, it sounds like there is *some* precedent for saying "Hey, it seems like this isn't really what we'd hoped to achieve here, I'm not happy, you're probably not getting the best out of me, how would you feel about paying out my revest early and saving yourself the $ on comp?" In one such founder's case, he was able to take off a year ahead of schedule and get the rest of his revest early.

So: I'd like to pick some people's brains in this community as to what they've seen work or not work in terms of wriggling out of a revest successfully and getting your $ early.   
  
This [post](https://www.reddit.com/r/fatFIRE/comments/152pym9/struggling_over_decision_to_leave_or_stay_after/) from another member of this community is the closest thing I've seen to my situation, and I've found myself re-reading it almost daily as I've been working through this, but it's more about how to soldier or not soldier through your revest instead of figure out a way to get out of it and convince the new company that it's not working out and that they would be better off making you whole and letting you go ahead of your revest.

I'm under no illusions that I could have this conversation with the acquiring company today, but I'm mostly curious to hear if anyone else has advice or stories to share on this topic.   
  
And if not, at least this was cathartic to write.

4.5 months into 3-year revest post-acquisition, already miserable, looking for a way out 

I've always seen on this sub to check how much you will get from social security when considering your FIRE number. I never thought much of it since I was planning on doing leanfire the first chance I get. With that in mind I knew I would barely qualify for the minimum needed credits so I always figured that my social security would be basically nothing.

However this weekend I was bored and curious so I went to the social security website and found out that with the minimum credits needed and no working after that I would get $1,000 a month if I withdraw the earliest date and $2,000 a month if I withdraw the latest date.

This is huge for me since 2k a month is my leanfire number (with a paid off house). I know inflation will affect things as well but this has been a really exciting thing to plug into my calculations. 

moral of the story, check your social security numbers even if you plan very early FIRE

Edit: for deeper clarification, I made an account on ssa.gov and imported the data to https://ssa.tools/, that this sub recommends, to have more flexibility in estimations for an early retirement

I was shocked how much social security I qualify for despite planning for early 30s retirement

It's normal to feel upset or shocked but try to stay calm and professional with your boss and HR even if you're angry.

**First things you should do:**

* Get written proof that you were let go (like a termination letter) and ask about your final paycheck and when your health insurance ends. Don't sign any papers they give you right away. Take them home to read carefully first.
* Save any work stuff you'll need for your job search like performance reviews or project examples.

**Next few days:**

* Figure out how much your savings can last. Make a basic budget focusing on essential stuff like rent and food.
* Clean up your online presence. Make your social media and LinkedIn look professional and make sure it's updated.
* Update your resume with your most recent job info. Don't rush sending out applications yet. Take a day or two to make your resume really good.

**Looking for work:**

* Make a schedule so you don't spend all day in bed. Set goals like "apply to 5 jobs today" or "update my LinkedIn."
* Tell your friends and old coworkers that you're looking for work. A lot of people find jobs through people they know.
* Don't panic and take the first job offered unless you really need the money. Try to find something that's actually a good fit.

Most importantly: Take care of yourself. Losing your job is really stressful. Make sure to exercise, eat well, and talk to your friends and family. You will get through this.

Been there and it sucks, but it does get better :)

What to do when you’ve lost your job?

I've built and just launched a subscription based paid service that aims to help people do well in their analytics/machine learning job interviews. Idea is that subscribers will receive highly curated interview questions and answers regularly.

 How do I grow the company organically? Thanks in advance :)

How do I grow my business organically without ads?

Almost 8 years have passed since I graduated from university, and I've been living my life according to the tide: finding jobs, making money, learning, and then trying to find a job that pays more. My income has multiplied tenfold, but my sense of insecurity and anxiety has only grown. 

I’m afraid of losing this job and income, and I feel anxious about the future, but at the same time, I can’t stand my work. In the past six months, I’ve learned and grown a lot, but at the cost of constant burnout. Sometimes I can't sleep, other times I can’t concentrate on anything, and I just sit in my chair for hours, feeling a noticeable lack of passion – this is the complete opposite of the person I was a few years ago. In the work environment, I’ve started to feel a sense of detachment, almost like I'm out of my own body, observing everything from a god’s-eye view. I feel like what I’m doing is pointless, and there’s no outcome. I don’t really enjoy socializing with colleagues, but now, it feels like I don’t even care anymore? 

At the same time, I feel like a spark inside me is getting closer. Can you understand that feeling, like your heart is being scratched, that itch. I’ve started to realize that I don’t want to keep depleting myself solving problems for others.

I want to build, create, and solve my own problems. 

Over the past month, I’ve mapped out my personal project plan, including the budget and key tasks at each stage. Everything is going smoothly. This week, I’ll be visiting suppliers, and if everything goes well, I’ll launch my brand next year. 

It all feels unreal, and I do feel scared. This seems to be the first time in my life that I’ve truly thought about doing something on my own. But no matter what, I think I will keep moving forward, putting one foot in front of the other, making myself run. I hope this post can serve as a record of my starting point, and I’m very grateful that you’ve read this far. If you’ve ever been in a similar situation or have any advice or encouragement (even better), please don’t hesitate to leave a comment!

I don't want to work for others anymore

Entrepreneurship is definitely hard, but it's significantly more accessible now than it was 20 years ago:

* You can start a company with little to no upfront investment.
* No need to travel or rent an office just to meet your first clients.
* No need to attend physical networking events to meet people and build relationships (which can even turn into genuine friendships).

How amazing is that?

Sure, it’s not easy, but I believe we’re living in a remarkable time in history. I think this is the best era to at least give entrepreneurship a try.

What do you think?

Have you ever stopped to appreciate how fortunate we are today?

47M, invested 15% over near 30 years in low cost index funds and company match in tech. Total comp really took off after moving to sales. 20 years to hit my first $1M. 4 years to turn it into this…compound interest is truly the 8th, 9th and 10th wonder of the world. 

I think $15-$20k a month would be a comfortable lifestyle (two kids headed to college next year, house at $300k at 3% fixed, wife a school teacher with state run medical). 

Edit: 
$1M is in the primary residence. Won’t really touch this until we move which isn’t for some time (like where we live).
$1.5M in 401k and HSA. Could start slowly converting…
$850K Cash in a HYSA after recently exercising equity out of my former start up and higher earnings thru sales for an emergency fund.
$2.8M in taxable investments (company ESPP and tech stocks in my industry - MSFT then NVDA, META, AAPL, GOOG, AMZN). Blue chip domestic tech that has been on a tear. 

Crossed $6M net worth…retire?

Background: finishing out year 5 of profitability with an ecomm. Mix between products housed in my house and dropshipping. 95% of orders are housed products. $0 spent on ads, the entire biz was organically grown. I could move to a LCOL area and live off the business, but I am thinking about making an exit and trying something new. Running a business for 5+ years isn’t as glorious as it seems. Ask me anything!

4+ years running a profitable ecomm with no ad spend AMA

Learn how tariffs affect prices, inflation, and manufacturing, plus tips to prepare for potential new economic changes.What are tariffs, and how do they affect your wallet? What would President-elect Donald Trump’s proposed tariffs mean for consumers, the economy, and inflation? Hosts Sean Pyles and Anna Helhoski dive into the complexities of tariffs, unpacking their potential impact on prices, supply chains, and domestic manufacturing. They begin with a breakdown of what tariffs are, why they exist, and how they’ve historically influenced U.S. trade policy. Along the way, they share insights on navigating rising costs, understanding the global supply chain, and the inflationary effects of tariffs.In the second half of the episode, Sean and Anna cover the latest money headlines, including trends from Black Friday and Cyber Monday spending, predictions for a potential “Santa Claus rally” in the stock market, and a new survey revealing Americans’ views on financial success. 8 Last-Minute Christmas Vacations to Book in the U.S. https://www.nerdwallet.com/article/travel/christmas-travel-destinations In their conversation, the Nerds discuss: what are tariffs, how tariffs work, tariffs and inflation, Trump tariff plans, supply chain tariffs, inflation and tariffs, trade policy impact, tariffs on imported goods, global supply chain issues, consumer price increases, manufacturing tariffs, economic impact of tariffs, U.S. trade policy, Black Friday spending trends, Santa Claus rally stock market, tariffs on Canada Mexico China, global trade tariffs, tariffs and manufacturing, economic inflation causes, tariff history in the U.S., import taxes, Trump trade policies, price increases on goods, supply chain disruptions, manufacturing challenges, economic recession fears, holiday spending trends, U.S. exports, and international trade.To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.Like what you hear? Please leave us a review and tell a friend.

Learn how tariffs affect prices, inflation, and manufacturing, plus tips to prepare for potential new economic changes. What are tariffs, and how do they affect your wallet? What would President-elect Donald Trump’s proposed tariffs mean for consumers, the economy, and inflation? Hosts Sean Pyles and Anna Helhoski dive into the complexities of tariffs, unpacking their potential impact on prices, supply chains, and domestic manufacturing. They begin with a breakdown of what tariffs are, why they exist, and how they’ve historically influenced U.S. trade policy. Along the way, they share insights on navigating rising costs, understanding the global supply chain, and the inflationary effects of tariffs. In the second half of the episode, Sean and Anna cover the latest money headlines, including trends from Black Friday and Cyber Monday spending, predictions for a potential “Santa Claus rally” in the stock market, and a new survey revealing Americans’ views on financial success.  8 Last-Minute Christmas Vacations to Book in the U.S. <a href="https://www.nerdwallet.com/article/travel/christmas-travel-destinations" rel="nofollow">https://www.nerdwallet.com/article/travel/christmas-travel-destinations</a>  In their conversation, the Nerds discuss: what are tariffs, how tariffs work, tariffs and inflation, Trump tariff plans, supply chain tariffs, inflation and tariffs, trade policy impact, tariffs on imported goods, global supply chain issues, consumer price increases, manufacturing tariffs, economic impact of tariffs, U.S. trade policy, Black Friday spending trends, Santa Claus rally stock market, tariffs on Canada Mexico China, global trade tariffs, tariffs and manufacturing, economic inflation causes, tariff history in the U.S., import taxes, Trump trade policies, price increases on goods, supply chain disruptions, manufacturing challenges, economic recession fears, holiday spending trends, U.S. exports, and international trade. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email <a href="mailto:podcast&#64;nerdwallet.com" rel="nofollow">podcast&#64;nerdwallet.com</a>. Like what you hear? Please leave us a review and tell a friend.

Tariff Talk: What Trade Policies Could Mean for Your Budget

Logan and Allie talk about different careers in Wealth Management and pathways to get to there.

Logan and Allie talk about different careers in Wealth Management and pathways to get to there.

Careers in Wealth Management

Are you a Bitcoin investor worried about taxes? You’re not alone! In this episode of the Rich Dad Radio Show, Robert Kiyosaki and tax expert Tom Wheelwright break down the hidden secrets of cryptocurrency taxation and how savvy investors can avoid costly mistakes.We’ll dive into everything from Bitcoin tax regulations to the IRS’s increased scrutiny on crypto transactions. Plus, Robert shares why he believes commodities like gold, silver, and oil are the ultimate wealth-building tools for reducing tax burdens—and how Bitcoin investors can learn from these strategies.Whether you’re new to crypto or a seasoned investor, this episode is packed with tips to help you protect your wealth, minimize taxes, and navigate the ever-changing financial landscape.-----Please read carefully.This is not financial advice.You may be asking, “what does that mean?”Let me explain…Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions.YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations.Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.

Are you a Bitcoin investor worried about taxes? You’re not alone! In this episode of the Rich Dad Radio Show, Robert Kiyosaki and tax expert Tom Wheelwright break down the hidden secrets of cryptocurrency taxation and how savvy investors can avoid costly mistakes. We’ll dive into everything from Bitcoin tax regulations to the IRS’s increased scrutiny on crypto transactions. Plus, Robert shares why he believes commodities like gold, silver, and oil are the ultimate wealth-building tools for reducing tax burdens—and how Bitcoin investors can learn from these strategies. Whether you’re new to crypto or a seasoned investor, this episode is packed with tips to help you protect your wealth, minimize taxes, and navigate the ever-changing financial landscape. ----- Please read carefully. This is not financial advice. You may be asking, “what does that mean?” Let me explain… Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions. YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose.  We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees.  Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations. Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.

Bitcoin Tax Secrets: How the Rich Avoid Paying More - Legally!

#843 What if your hobby could become a thriving business landing you five-figure deals and connecting you with industry leaders and celebrities? That's Jax Navarro's incredible story and journey. At PlasticAction, he takes toy photography and stop-motion animation to the next level, attracting millions of viewers in the process. Jax has worked with major brands like Hasbro and Marvel. He's even caught the attention of NBA stars Kevin Garnett and Shaquille O’Neal! His success wasn't instant, though. Jax didn't skip the leg work of building authority in his space and fostering powerful relationships. Over the last few years, he went from doing unpaid work to charging tens of thousands of dollars for his projects. In this episode, we discuss landing clients, negotiating rates, and delivering high-quality work that leaves everyone wanting more. We also get a fascinating glimpse at the time and effort that goes into creating stop-motion animations. Enjoy! Show notes and more at SmartPassiveIncome.com/session843.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#843 What if your hobby could become a thriving business landing you five-figure deals and connecting you with industry leaders and celebrities? That&#39;s Jax Navarro&#39;s incredible story and journey. At PlasticAction, he takes toy photography and stop-motion animation to the next level, attracting millions of viewers in the process. Jax has worked with major brands like Hasbro and Marvel. He&#39;s even caught the attention of NBA stars Kevin Garnett and Shaquille O’Neal! His success wasn&#39;t instant, though. Jax didn&#39;t skip the leg work of building authority in his space and fostering powerful relationships. Over the last few years, he went from doing unpaid work to charging tens of thousands of dollars for his projects. In this episode, we discuss landing clients, negotiating rates, and delivering high-quality work that leaves everyone wanting more. We also get a fascinating glimpse at the time and effort that goes into creating stop-motion animations. Enjoy! Show notes and more at <a href="https://www.smartpassiveincome.com/session843" rel="nofollow">SmartPassiveIncome.com/session843</a>. See Privacy Policy at <a href="https://art19.com/privacy" rel="nofollow">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="nofollow">https://art19.com/privacy#do-not-sell-my-info</a>.

SPI 843: From Action Figures to Big Profit with Jax Navarro

"I’m obsessed with checking my accounts daily, and I have major FOMO if I don’t. Is there a downside to Dollar Cost Averaging daily instead of on a less frequent basis?"    We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

&#34;I’m obsessed with checking my accounts daily, and I have major FOMO if I don’t. Is there a downside to Dollar Cost Averaging daily instead of on a less frequent basis?&#34; We&#39;ll walk you through that question and more in today&#39;s Q&amp;A episode! <a href="https://bit.ly/3mB2p69" rel="nofollow">Jump start your journey with our FREE financial resources</a> <a href="https://bit.ly/3mxuhIt" rel="nofollow">Reach your goals faster with our products</a> <a href="https://bit.ly/2Y4TqQJ" rel="nofollow">Take the relationship to the next level: become a client</a> <a href="https://bit.ly/3gxyUOH" rel="nofollow">Subscribe on YouTube for early access and go beyond the podcast</a> Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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