I'm 52 and was diagnosed with cancer last year. My life expectancy was about 1 year, so I'm on the back end of that prediction. 2 adult children and married. First thing I did was write a will ( I don't have a ton of assets but enough that my ex wife will stick her nose in it). I wrote down all of my passwords for my wife and showed her all my accounts. Set all my bills to auto pay. Pulled back on my investments and added to my HYSA.

You need to focus on the treatment and getting better. It's a roller coaster ride. 

Best of luck to you. Sending hugs!

I tried when i was a Petroleum Engineer working 110/hrs a week.

My results: i developed a heart condition at 26yo, caffeine & nicotine addiction and developed insomnia, became broke

My advice: Save as much money as possible while you think of a business. Quit once you realize what you will invest with

Edit: 110hrs/week just on the petroleum engineering job itself

I think everyone values work life balance, most people just aren’t privileged enough to have access to a solid foundation of it.

I am so sorry. I just want you to know a friend of mine is five years colon cancer free with no evidence of disease and they were also stage 4, so there is 100% hope. Please see an estate attorney to get everything done. 

1. People believe that carrying a balance helps build credit score. It’s a stupid myth that won’t die and makes credit card companies richer.

2. People intend to pay it off, but expenses pile up and they carry a balance that they’ll pay off “soon” that keeps piling up because the initial problem that led to overspending is only exacerbated by having debt payments.

3. People just don’t think and treat credit as free money.

Option two is to work until 55 for an employer that will allow you to start drawing 401k at 55

No cost, all free hosting. Static site is up 24/7. Other sites need to spin up, my database needs to be manually turned on.

If you work M-F, you are working 18 hours a day, that leaves you with 6 hours sleep if you sleep at your desk and then keep working.

You probably work on weekends, and the answer is no. No you will not be able to do anything except be a slave.

Our entire economy is built on companies copying other services and products. Sometimes with improvements and sometimes without. Truly original ideas are rare. 

No need to feel guilty.

No matter the business or industry, sales and marketing are the skills that make the biggest difference for entrepreneurs. A high quality product can't compete with a low quality product that is marketed well. 
For personal skills, if you get good at persuasion, public speaking, and copywriting, you can excel at whatever you put your hand to.

Last time I put some VMs and an ElasticSearch instance, cost around $30 a month, only to figured out that HR and interviewers are so busy that they would never look into it, next time I would just link the project inside the resume and spin it up on demand.

Read books by people who've built businesses. I don't believe in buying courses from people who don't have any kind of success to show for their knowledge. All the courses teaching you to get rich quick is someone trying to get rich off you. 

Also business is not a skill that can be condensed into some course. Learn other stuff related to business, such as microeconomics, psychology, engineering. Most importantly learn stuff you're interested in. You're very young so the more things you can learn about the better.

The ladder doesn't work well without that five-year buffer, but you've got some options.

You can use SEPP, which is probably the easiest/cheapest choice.  SEPP is a lot less flexible, but it's even easier than the ladder to do and report to the IRS each year.

You can start your ladder conversions a year or two early, which will come with markedly higher tax cost, but only for a year or two.

You can use credit/margin to float whatever buffer gap you have, but you'll have to adjust your conversions up to pay it off and you'll have interest expense.  If your credit is great, then this might cost less than the early conversion option.

How many years short are you going to be, factoring in all non-TIRA assets?

Tough decision. It's cliche but I truly believe that there's nothing more important than the time you get to do what you want to do. For me work should only be a way to reach your goals, not the goal. Being able to just have this philosophy is a luxury, and  it depends on so many things. 

You say you want to buy a house. Is your current level of saving taking you there? Do you feel bored at work and frustrated? Do you actually want a career, or is it just something you've been sold like everybody else? I think it depends on the fulfillment you get from your current life out of work too. 

Imagine yourself in 10 years. How would you feel about yourself/your life if you looked back and saw each potential path you might choose today?

Imagine meeting someone in their 40's and they tell you that they have a great career, or on the contrary that they've had a slow evolution and an easy job but are remote and make 100k/year. What would be your spontaneous reaction?

You still have time to figure it out, develop your skills and move up the ladder later if that's what you want. You can totally have a comfortable job and still progress, even slowly.

Best advice: Learn what interests you! Follow your passion. Enjoy music? Enjoy video games? Design one. Want to write a book? Do it. Do whatever interests you. 

Know why? Your purpose (and passion) will find you. In the meantime, enjoy exploring. That’s okay too. 

I didn’t realize what I wanted to be when I grew up until I hit age 35 😅

I have been:

Army soldier 
Marketing manager 
Walmart cart pusher
Website designer
Call center representative 
Tax return advisor 
Unemployed 
Computer repair guy 
Insurance salesman
College student 
Small business owner
And now.. world traveler / digital nomad.

Peace be the journey brother. The right path is the one that feels right for you. 🙏🩵

I roll my balance because I have a 0% APR promo and loaded it with moving expenses. Still have the cash to pay it off outright though.


Edit: Might have to clarify. When I say 'roll', I mean carry over the balance month to month, which is what this whole post was about. Not balance transfers.

Mine cost nothing, cus my family is the only users. I just use vercel free tier.

My open source project also costs nothing, it's a framework.

Understanding Roth conversions before RMDs start was a big learning for me. Besides reducing your own RMDs during your lifetime, they put your estate in a better position, at least under current laws. It’s better for your kids/heirs to not end up having to pay income tax on inherited IRA required distributions when they may be in a high tax bracket themselves.

I made it senior after 7 years. But...

Senior is attitude, resourcefulness, problem solving, and saving the day more than it is just technical skills. 

Senior implies technical leadership and your name on the line, not Jira metrics. It's taking ownership, mentoring, and above all predicting or guessing right. 

Also, if you're in a high tech company where everyone else is good you get less chance to shine. I've done way more miracles in healthcare administration and insurance software than I ever did in writing software tools or embedded or what not.

I'm sorry to hear about your layoff. I would recommend continuing to apply for mid-level positions going forward and updating your resume accordingly. 

The good news is you have SWE experiences which you can leverage in future opportunities. Start small and slow. Apply to recent open positions weekly that closely align with your skill sets. Be ready to answer any questions your interviewer asks about your resume, such as past projects, career aspirations, and behavioral questions.

Stay patient. Things will get better.

Business is a sport lol. So if a team is doing something right you’re going to try and emulate that strategy into your own playbook.

Some people can't stop themselves from spending money they have access to.  Credit card companies know this.

Is there anything you wish you had done differently prior to retirement, now that you are 1 year in? For example, at that NW and knowing what you know now, would you have left earlier?

Excellent insights, thank you for sharing

If you would steal something from this what would it be, and if you hate something in this site, what would it be for this [https://www.betterfriendai.com/](https://www.betterfriendai.com/) 

Don't say it's crappy in the first look, it would hurt me (if it is say so).

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Full breakdown of Unicorn Platform(nocode website builder): 

→ MRR $25,122

Expenses:

* AWS: - $925
* Cloudflare: -$11
* Open AI: -$677
* Uploadcare: -$61
* Heroku: -$9
* Github: -$10
* New Relic: -$115
* Crisp: -$170
* Statuscake: -$24
* First promoter: -$84
* Mailgin: -$29
* Gsuite: -$12

Tools I don't pay for(disclaimer: my own tools) but I still have "self" costs, let's say 50%.

* seobot: - $100
* listingbott - $150
* indexrusher - $100

Contractors:

* Dev: $1700
* Support: $2000
* Design: $2000

Total in: $25,122 

Total out: -$8,100 

Profit every month: $17,022

Important note:

* I don't pay myself a salary

All contractors are also involved in my other products. 

So in fact, the cost per product is lower, maybe just half.

I'm still unhappy with the costs. I'm working on a new infra(Hetzner) to go from 1k to 0.2k (5x reduction). Also, I plan to reduce the support load by using AI at least by half.

Eventually, I see my total costs being 1k for tools and 2k for people, a total of 3k.

My friends are making fun of me for being so scrappy, but I like it. I don't know why, but I find it entertaining to stretch the limits here.

Not bragging here, just sharing to show the potential of SaaS margins.

My SaaS makes $25,122/mo with a 67% profit margin: full breakdown

Long story short, my gf left me after we signed a new lease for a townhome. She is refusing to pay for anything and I dont have the energy to argue with her, and do not want to pursue any legal options. I make about $6k a month, and rent is 3k. We havent seen what the utilities will look like but im guessing around $400? I also am paying $800 for my car and insurance. Should I just bite the bullet and move out again? Or try to budget on about $2k for food and everything else?

Gf left me 3 weeks after signing a new lease

I won a raffle at work for 4 baseball tickets + some free food/drinks at the game. I was informed that I will be assessed an imputed income of $1000 on my next paycheck. If I understand correctly I will pay taxes on this $1000? So lets say I pay %20 in taxes I would be paying $200? If that is the case I don't think its worth. I am not a huge baseball fan and tickets for that game for regular seats are like $30 each. Not sure how their package is valued at $1000....

Won baseball tickets at work but is it worth the imputed income?

Hey there. I got laid off yesterday and it’s pretty depressing. I work with students as a pastor at a Christian college, so I’m pretty sad to have to say goodbye to them all. My supervisor told me, “You aren’t fired and you aren’t laid off, the position is just not funded for next year.” …..I’m basically laid off. 

He also doesn’t want me to tell students or other staff members that I was laid off or that my position was cut for whatever reason. Can I tell students that I’m leaving not because I want to, but because I was laid off? My student population struggles with people constantly coming and going in their lives—many have asked me, “Are you going to leave too?” and I always tell them, “Not unless someone fires me!” So for me it’s important to let them know I am being forced to leave, not that I decided to go somewhere else…

Thanks for reading 

I just got laid off. My boss told me not to tell anyone?

Parents bought 4br2ba home in 08 at 600k, currently have 380k left on the mortgage, appraised for 900k in 2019 so I dont know what the cost is now, and they're currently paying 2.8k/mo at 3.2% including property taxes and insurance. Primary reason will be because of crappy neighbors and we're also in the hood so fights in front of the house and gunshots happens every other day. Also had a few homeless people build tents outside a few times but I guess someone shooed them off. Currently homes in city for a 2br2ba ranges between 700K-800K. Will just be me as the homeowner as my folks will return to their home country.

Would it be a terrible idea to sell HCOL home to get another HCOL home in the same city because of bad neighbors?

Genuine question because it's stated that visibility is a huge factor. I am more on the introverted spectrum. But I will go out of my way to network and team build. I lead two committees. 

When higher ups are around, how do I stand out in the crowd and just not be a kiss ass? I am not the most enthusiastic. I will get the objective done. 

How do you stand out without kissing ass? 

So I'm 16 and got my first job. I work 1 day a week and make $90 exactly.

I'm wondering if it's worth putting some in a savings account? It's only $90 and goes pretty fast currently I 'save' my money to buy collectables I'm into and the idea of putting away $18 seems pointless and I don't really wanna put more than %20 (was taught in my fiance classes that's how much I should put away anyway)

I also plan on working in the summer and have a job lined up for 4 days a week I'd make $360 a week and I do plan on saving atleast 20% of that.

I'm just wondering if currently it's fine to just enjoy my money? I also graduate early next year and will get to work during the spring since I have no school. So it's just really the next 2 months of spending pretty much all my paycheck. But my parents are telling me I should probably save. and I do plan to just not right now.

Edit: just clarifying it's not just 'collectibles' I save up for things like new PC parts or hobby items not just items that sit there collecting dust I use the things I buy.

Is it worth putting 20% of my paycheck into savings if I only make $90 a week?

I’m unsubscribing and I just wanted to say goodbye. The mods on this sub are awesome, and many of the people here are incredible.

But, it’s turning into a content farming sub and the community seems pretty ok with it. I personally don’t want to read self-promotional materials and “profiles of success” from content farmers who “promise it’s not AI.” I came here to connect with entrepreneurs who are building companies, and I’ve really notice that slow down lately.

I wish you all the best, and after all these years I thought I should at least say goodbye, as I’ve made connections with many people on this subreddit.

Cheers and be well!

I just want to say thank you. And goodbye.

Is it normal to dislike the San Francisco Bay Area? I'm not a US citizen and I've had the privilege of working for a SF-based company, which while the company and work have been amazing, I really hate the city. It's extremely expensive, transient, unsafe and everyday that I spend in SF I just could not feel alive or feel like I am doing what I really want to do.

Previously I was based in NYC and Singapore and I enjoyed these two places a lot more. The infrastructure in NYC is decent (while crappy by international standards, is still a lot better than the Bay Area) and Singapore is where I grew up in, with all my family friends etc there.

So many people around the world would fight for a chance just to be in the Bay Area and I feel like I am squandering away my "privilege". However, my mental health has definitely taken a toll just to live in SF. I cannot pinpoint exactly why I dislike the Bay Area, just that the whole place does not vibe with me at all. Has anyone else felt the same thing before?

Is it normal to dislike the Bay Area?

Whats your back story, why did you find it boring and why did you struggle?

What did you do change and where are you and what you doing now ? 



Anyone who used to be terrible low paid software engineers and found it boring, what changed?

Hi all. As the title reads, I am 36 years old and recently received a stage IV colon cancer diagnosis (no family history, no symptoms... yay me). I have startes treatment, but it's too early to really tell how long I have left, and I feel like I should be preparing, I'm just not sure where to start.

I am married, the house we are in is paid off, and the house is solely in my husbands name. He bought it using some inheritance before we even started dating. I do not have any debt other than a small amount of credit card debt that I pay in full each month. Student loans are paid off and my car is paid off.

The only assets I have are about 45k between my checking and savings acounts, a small 401k through my work, and a pension through work (although I have to serve 10 years to be fully vested in my pension and I'm only at 5 1/2 years, so I'm not sure if/what I'm entitled to on that...).

My husband is already listed as the beneficiary on my 401k and the small life insurance policy I have through work. We have seperate bank accounts, since we dated/lived together for 10 years before getting married and we just found it easier to keep going with our seperate finances after we got married.

I do not have a will of any sort, is that something I need if I don't have many assets? Should I add my husband to my bank accounts to make it easier for him to have access if/when I pass? Should I add him to the title on my car? We are in California if that makes any difference.

36 years old, stage IV cancer diagnosis, where do I start?

Seems like just about every hour I see a post with someone in thousands of dollars of credit card debt.

The entire point of a credit card is to build your credit score and give you rewards. If you are carrying a balance, you're failing at both of these objectives.

A credit card is only useful when it is paid off in full, before the statement is due and you incurr interest. Paying the minimums means nothing, you're losing if you do this.

I get there's a lot of focus towards scores, but what's the point of a score? To allow you to take on more debt via loans. If you can't handle a credit card, the last thing you should be doing is taking out more debt.

So to those with rolling balances on their cards. Stop - don't put another cent on them. Cut them up. Direct all non essential income towards paying them off in full. And don't use them again.

Maybe in a couple of years you could revisit them, but the truth is that many people here should not be using them at all, and you're only worsening your financial journey by continuing to use them.

If you are carrying a balance month to month, stop using credit cards.

Hi,

I currently have a very comfortable job with decent pay (90-110k). Fully remote and great team and environment. Never overworked, a work life balance I have dreamt about for years. Somewhat of a dead end career wise, but a comfortable one at least.

I have the opportunity to jump to a startup that may have a significant pay increase and potentially better for career progression. This position would be long hours in office 5 days a week. Commute is short but nonetheless I am losing LOTS of time by being in office. 

How much would it take you to leave a very comfortable remote job? 

Some additional considerations: I’m in my 20s, renter, able to save a good chunk of my income every month, dream of home ownership one day. VHCOL City 

EDIT: WOW! Overwhelmed by the quantity and quality of the responses here. More than I could have ever asked for. Thanks all. 

Some answers to some common themes in the replies: renting an apartment with a common law partner in a nice area for a below market price. Our entire lives are in our vhcol city so we’re not really willing to relocate to a different area as we value our proximity to friends, family and the things we love to do. In our current situation we clear right around 200k which unfortunately is not enough for a house but potentially a larger condo or a smaller townhome a bit further from the city. We’re on our way to being able to afford such condo in about 3-5 years all things remaining the same. Obviously an increase in salary by this job hop would either speed up this process or allow us to increase our budget for something we can grow into. Growing our family isn’t really something we’re considering in the next 5-10 years given how expensive life is just keeping us afloat but it is something we would want to consider in the future, after being more financially comfortable. The job hop would potentially change this. It would be a severe lifestyle change for me hopping to this new job, as I maximize my spare time by doing the hobbies I love on top of running all my errands in my spare time during the day. The new job would jeopardize this. 

In conclusion, I’m still stumped. But really appreciate everyone’s insight here. 

How much do you value work life balance?

Have you ever heard one of Steve Jobs's favorite quotes: "Good artists copy, great artists steal"?

I have a whole folder full of the websites of our immediate or potential competitors, where I can find something interesting and inspiring. And I'm talking not only about product functionalities, but also about design, UX, marketing, and many other aspects. Why should I spend a ton of time on something that has already been researched by a huge player like Gumroad?

Here are some ideas that we have "adopted" recently:

1. 🤩 Neat pricing page from Payhip. There is nothing extra.
2. 🌟 SendOwl has a cool landing page with a bunch of tiny details such as merchant flow visualization, which seems pretty convincing.
3. 🏆 Product creation on Gumroad split into 2 pages, which is more convenient than having a bulky modal window.
4. 📚 Heartbeat and beehiiv have amazing tutorial emails for better engagement of new users.
5. 👥 Another cool feature from Heartbeat is a small pop-up in the admin panel inviting a 1-to-1 call to help a customer set everything up.
6. 💰 Unicorn Platform affiliate page was used as a model for ours.
7. 💬 Lindo Ai invites to their Slack community right from the admin panel sidebar.

Should I feel guilty about it?

Do you copy your competitors, or are you being copied?

I steal features from my competitors

44yo. Funds should be enough to retire sometime between 50 and 52.

However, almost all of it is in my 401k. I’m saving as aggressively as I can in taxable accounts now but it won’t be enough to have 5 years of expenses outside of the 401k. So, I won’t be able to do the Roth conversion ladder.

Is SEPP (72t) my only option?

Too heavily loaded on 401k

Next week will be one year since at least the responsibilities of work stopped.  There was some pay for the following six months, but work stopped May 1st.

Here are some observations from my side on the first year out:

**I don't miss work, and my days are largely full.**

When I was getting close to retiring, I though I would consult, or lecture, or something.  I made it through some 10 months without even knowing what was going on back at my employer other than what is in the Linked in corporate feed.  That includes two visits from the CEO where we talked about vacations and retirement rather than work.  All the things that one thought were interesting an important, at least for me, I was able to set aside.

I did do a quick global tour earlier this month and chatted with a bunch of folks over coffee or a beer.  It was fun to hear about what HAD happened without having to think about it as it was happening; kind of like history I guess.

**Its easy not to worry about your withdrawal when the market is up**

Last May 1 we were at $21m NW and $10m Liquid.  We spend $1.1m over the past 12 months including $350k in taxes.  We are at $23m and $11m Liquid today.  Granted, the last 12 months have been great for equities, but it is comforting to have an up year in your first year (so far the sequence of returns risk has been in our favor).

Folks may wonder about the high withdrawals.  We have a significant amount (some $250k a year) of an executive pension starting in 7 years, which changes our withdrawal math.  We also have 95% of the max social security coming which we will delay until 70.  Our SERP has no cola, so the Covid inflation hurt us, but we now appreciate how significant the COLA on SS is.

**Roth conversion math is scary, and now we are doing quarterlies for the conversions.**

We have about $5m in traditional IRAs which we have recently figured out we need to get converting or it will be taxed at the maximum rates when the RMDs start.   The SERP and the Social security payments will push us into a middle bracket just there.  We did the math and will be converting $540 a year (already done for 2024), but if the markets remain strong that $5m balance is likely going to be there when the RMDs start and we will still have some payments in the mid 30s% at the federal level.

**US Medical Insurance is complicated, but the key seems to be the max out of pocket**

We went with HSA compliant high deductible plans which are still not cheap ($1800 a month for the three of us still in the house).  Max out of pocket ($8700 for an individual) comes quickly if your student athlete needs surgery.

**You can't always get what you want**

Real "first world problems" remain that the things we would like to spend more money on remain "difficult".  Getting a contractor for a renovation still is challenging, and the particular replacement cars we would like (GT3 touring and Plug in Range Rover) are still seeing excess demand so not to be had.  We will see how that shapes up in the coming quarters. 

**Just say yes**

While we still have one kid in high school, we try as much as possible to immediately take anyone who makes a proposal of doing something with the "just say yes" attitude.  At least one of us should be able to make it to NY for dinner in two weeks, or take a track driving course and so on.  We did buy all of us those Ikon ski passes, and anytime a social contact said they were going to xyz for some skiing next week, at least one of us would join.  

Anyhow, there are my random thoughts on our Fat early retirement one year in.

Don't miss work.  Enjoying the ability to get out and see others.  

Hope some part of this was useful for someone.  

&#x200B;

&#x200B;

Some observations from first year in early retirement

I work in private equity. Money is good ($300k+ and still low level) but I’m starting to doubt if I want to do this for my career.

I have flirted with entrepreneurialism for years now but am starting to look more seriously into it now. The problem is that I work super long hours at my day job and am nervous that I won’t be able to juggle both at the beginning of my entrepreneurial journey. 

Has anyone else successfully managed this? Is it possible or do I have to inevitably quit or get a job with lower hours first.

Has anyone successfully founded a company while working 90+ hours a week at their day job?

I am 14 years old and want to learn some skills that will help me in a few years to start a business. What skills should I learn? Where should I look to find courses? Ideally cheap.

As a 14 year old, what skills should I learn?

"Roles, responsibilities, and expectations are far more important than the actual title. One company's seniors is another company's juniors."

I have seen this reply in another question in this sub and I couldn't agree more. I was a senior in another company and I had jumped to another company with the same title. During my 6 months tenure there, I was struggling and subsequently placed under a PIP. The PIP was in place, because my supervisor said that I lack the qualities of a senior programmer (i.e. multitasking skill, communication skill, some technical skills). However, I'm getting laid off before the PIP ends, which I have lasted by one year then, and have actually improved. Least to say, I'm disappointed with myself. While I know which areas I can improve on, I lost my confidence in myself and am not sure whether I'm able to apply the same position after this. Would like to hear your thoughts, experience or tips for this. 

Getting lay off as a Senior Position

Looking at hosting a portfolio site and just ball parking the aws bill. I've used the calculator. Obviously depends on what I end up using. But wanted some anecdotes. 

Those of you with side projects for side businesses or portfolios or just for learning, what does your cloud bill look like? 

Edit: again, obviously it depends on what I end up using. But again, the question is - those of you with side projects, what’s your usage and bill looks like? 

Those of you with public side projects, what's your ballpark cloud bill?

Enjoy Part 1 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn. Brad Barrett, host of the ChooseFI podcast, joins us on stage to talk about what financial independence ideas and practices have changed … and what ideas and practices have remained consistent, universal and time-tested throughout the years. For more information, visit the show notes at https://affordanything.com/episode500 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Enjoy Part 1 of our two-part Episode 500 special, recorded live at a comedy club in Brooklyn.Brad Barrett, host of the ChooseFI podcast, joins us on stage to talk about what financial independence ideas and practices have changed … and what ideas and practices have remained consistent, universal and time-tested throughout the years.For more information, visit the show notes at https://affordanything.com/episode500 Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

LIVE FROM BROOKLYN: Episode 500 with ChooseFI’s Brad Barrett

Learn how investors use artificial intelligence to make decisions. Plus: AI’s current capabilities and limitations in finance.How does AI affect investment decisions? What are AI’s limitations in finance? Hosts Sean Pyles and Anna Helhoski explore these questions and more with Sam Taube, an investing writer at NerdWallet, who shares insights on AI's role in investment research and stock selection. They break down the potential of AI-powered ETFs and mutual funds, including their performance trends and considerations for investors. They also discuss AI’s current capabilities and limitations in investing, how AI can streamline your investment research process when used correctly, and why caution and human oversight remain essential. In their conversation, the Nerds discuss: artificial intelligence investing, AI in finance, investing with AI, AI-powered funds, AI investment research, AI stock selection, limitations of AI in finance, AI and financial decisions, using AI for investing, AI in mutual funds, AI in ETFs, AI in the stock market, AI for investment analysis, AI and investment strategies, benefits of AI in investing, AI in financial services, AI in wealth management, AI and investment performance, risks of AI in investing, AI and market predictions, AI for portfolio management, AI and stock picking, AI investment tools, impact of AI on finance, AI for financial advisors, future of AI in investing, AI and asset management, AI and robo-advisors, AI and hedge funds, AI for investment recommendations, challenges of AI in finance, AI and investment banking, AI in retirement planning, AI for financial decision-making, AI in trading, AI for risk management, AI and wealth advisors, AI and investment analysis toolsTo 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 investors use artificial intelligence to make decisions. Plus: AI’s current capabilities and limitations in finance. How does AI affect investment decisions? What are AI’s limitations in finance? Hosts Sean Pyles and Anna Helhoski explore these questions and more with Sam Taube, an investing writer at NerdWallet, who shares insights on AI&#39;s role in investment research and stock selection. They break down the potential of AI-powered ETFs and mutual funds, including their performance trends and considerations for investors. They also discuss AI’s current capabilities and limitations in investing, how AI can streamline your investment research process when used correctly, and why caution and human oversight remain essential.  In their conversation, the Nerds discuss: artificial intelligence investing, AI in finance, investing with AI, AI-powered funds, AI investment research, AI stock selection, limitations of AI in finance, AI and financial decisions, using AI for investing, AI in mutual funds, AI in ETFs, AI in the stock market, AI for investment analysis, AI and investment strategies, benefits of AI in investing, AI in financial services, AI in wealth management, AI and investment performance, risks of AI in investing, AI and market predictions, AI for portfolio management, AI and stock picking, AI investment tools, impact of AI on finance, AI for financial advisors, future of AI in investing, AI and asset management, AI and robo-advisors, AI and hedge funds, AI for investment recommendations, challenges of AI in finance, AI and investment banking, AI in retirement planning, AI for financial decision-making, AI in trading, AI for risk management, AI and wealth advisors, AI and investment analysis tools 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.

Some Investors Are Using AI to Make Decisions. Should You?

Quint and Allie talk about student loans and the new SAVE repayment plan.

Quint and Allie talk about student loans and the new SAVE repayment plan.

Student Loans

In this episode of the Rich Dad Radio Show, Robert Kiyosaki is joined by Mark Moss, a leading authority on cryptocurrencies, to discuss the future of Bitcoin and its potential impact on the global economy. Kiyosaki reflects on the predictions made by futurists like Dr. R. Buckminster Fuller and Henry Ford about the emergence of electronic and energy money, which are realized today through cryptocurrencies like Bitcoin. Moss explains the concepts of Bitcoin halving, its scarcity compared to gold, and the reasons behind Bitcoin's increasing value over time. Drawing on comparisons with traditional assets and the concept of supply and demand, Moss predicts an exponential growth in Bitcoin's value, suggesting it could reach $43 million per Bitcoin in less than 50 years by becoming a global unit of account. The episode also covers the strategic approach to investing in Bitcoin, highlighting the importance of acquiring and holding onto assets rather than converting them back to fiat currencies. Kiyosaki and Moss also discuss the impact of geopolitical tensions and the degradation of trust in traditional financial systems on the adoption and value of Bitcoin. The conversation concludes with an emphasis on education and critical thinking about financial decisions, urging listeners to explore cryptocurrencies and consider them as part of their investment portfolios.

In this episode of the Rich Dad Radio Show, Robert Kiyosaki is joined by Mark Moss, a leading authority on cryptocurrencies, to discuss the future of Bitcoin and its potential impact on the global economy. Kiyosaki reflects on the predictions made by futurists like Dr. R. Buckminster Fuller and Henry Ford about the emergence of electronic and energy money, which are realized today through cryptocurrencies like Bitcoin.   Moss explains the concepts of Bitcoin halving, its scarcity compared to gold, and the reasons behind Bitcoin&#39;s increasing value over time. Drawing on comparisons with traditional assets and the concept of supply and demand, Moss predicts an exponential growth in Bitcoin&#39;s value, suggesting it could reach $43 million per Bitcoin in less than 50 years by becoming a global unit of account. The episode also covers the strategic approach to investing in Bitcoin, highlighting the importance of acquiring and holding onto assets rather than converting them back to fiat currencies.   Kiyosaki and Moss also discuss the impact of geopolitical tensions and the degradation of trust in traditional financial systems on the adoption and value of Bitcoin. The conversation concludes with an emphasis on education and critical thinking about financial decisions, urging listeners to explore cryptocurrencies and consider them as part of their investment portfolios.

Bitcoin Price Prediction and the Future of Crypto

#779 Many creators struggle with finding and negotiating sponsorships. One of the problems is that they're often not aiming for win-win-win deals. For an effective partnership, the value proposition should be obvious to you, the brand you're promoting, and your audience. So, how do you ask the right questions to uncover unexpected sponsorship opportunities? My returning guest, Justin Moore, is the founder of Creator Wizard. Since our last chat in episode 631, his incredible work helping people learn about brand deals has been blowing up online. Today, I wanted to have Justin back on the show to share a look at his business and the mindset that's helping him grow! This is a great chat because we dive into Justin's Sponsorship Strategy Summit, the value of networking and building relationships, finding the right mastermind group to help you level up, and why you should share case studies and success stories. Enjoy! Show notes and more at SmartPassiveIncome.com/session779.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#779 Many creators struggle with finding and negotiating sponsorships. One of the problems is that they&#39;re often not aiming for win-win-win deals. For an effective partnership, the value proposition should be obvious to you, the brand you&#39;re promoting, and your audience. So, how do you ask the right questions to uncover unexpected sponsorship opportunities? My returning guest, Justin Moore, is the founder of Creator Wizard. Since our last chat in episode 631, his incredible work helping people learn about brand deals has been blowing up online. Today, I wanted to have Justin back on the show to share a look at his business and the mindset that&#39;s helping him grow! This is a great chat because we dive into Justin&#39;s Sponsorship Strategy Summit, the value of networking and building relationships, finding the right mastermind group to help you level up, and why you should share case studies and success stories. Enjoy! Show notes and more at <a href="https://www.smartpassiveincome.com/session779" rel="nofollow">SmartPassiveIncome.com/session779</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 779: Building a Brand that Other Brands Want to Work With — with Justin Moore

Meta dropping after-hours as guidance disappoints. So has the social stock’s recent climb come to an end? Plus Investors plug into Tesla post-earnings, as CEO Elon Musk gives updates on the EV maker’s new models and robotaxi plans. What he’s saying about the timeline and if these promises can deliver. Fast Money Disclaimer

Meta dropping after-hours as guidance disappoints. So has the social stock’s recent climb come to an end? Plus Investors plug into Tesla post-earnings, as CEO Elon Musk gives updates on the EV maker’s new models and robotaxi plans. What he’s saying about the timeline and if these promises can deliver. <a href="https://www.cnbc.com/fast-money-disclaimer/" rel="nofollow">Fast Money Disclaimer</a>

Meta’s Big Earnings Report… Plus Tesla Charges Higher After Results 4/24/24

"I have a horrible 401k. My employer doesn't give any match and the fees are close to 1.5%. I've tried to talk to HR about switching providers, but they won't budge. Should I get the tax deduction and then roll the money immediately into an IRA? Or just skip it and contribute to a taxable brokerage for now?"    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 have a horrible 401k. My employer doesn&#39;t give any match and the fees are close to 1.5%. I&#39;ve tried to talk to HR about switching providers, but they won&#39;t budge. Should I get the tax deduction and then roll the money immediately into an IRA? Or just skip it and contribute to a taxable brokerage for now?&#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.

What Should I Do If My 401(k) Sucks?

Alex Hormozi

Business owners: I buy and scale companies. I make more free stuff to help you scale here: https://acquisition.com/training.

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