There are also probably 20 times as many teachers as there are doctors.

My wife has two cousins whose grandfather was very rich.  When he died, his will have those two cousins as much money as they earned. I.e. one makes $50k per year.  At the end of the year, the estate pays that cousin an additional $50k.  If the next year, he quits his job and makes nothing, he gets nothing from the estate.

I always thought that was a cool way of doing it

get a job with a giant, dysfunctional corporation, where you posess a specialized skill set. that way you work alone and nobody bothers you because they dont understand what you actually do

45% of the Moderate Growth Lifestyle Fund is allocated to a bond fund. https://markets.ft.com/data/funds/tearsheet/summary?s=VLSMX

That bond fund went down a lot due to the increasing interest rates. https://markets.ft.com/data/funds/tearsheet/summary?s=VCBDX

If you’re younger than, say, 50, just put everything in an S&P500 fund and call it a day. (I’m way over 50, and I still put 100% in that.) You’ll never complain about underperforming the market: you’ll simply be tracking it.

The 0.62% expense ratio is way too high as well. That’s 2.4% gone over 4 years right there. Their VSTIX stock index fund has a ratio of 0.29% which is a bit more reasonable, but still much higher than the 0.015% of the FXAIX SP500 index fund at Fidelity.

If you only work one hour a day and have no hobbies, then in retirement you only have one hour to worry about filling.  How do you pass the time *now* in your situation?

1. Fake it to make it.
2. It's all a numbers game.
3. Nothing's personal !!!

Quitting without a backup was definitely stupid, a life lesson, no harm, no rugrats ( LOL !! ) Continue applying - dice, indeed, linkedin, any job-board you come across. YES is the answer to every question posed by every non-tech person. Good luck !!

Don’t retire. You don’t have a plan!!

It is also important to consider that most physicians do not really start making money until their 30s, missing out on compounding investment returns.

People forget how much healthcare they'll consume in retirement.

Fidelity estimates the average couple needs $315k set aside for medical expenses at age 65 for retirement. If you don't have LTCI, you can always save more in a HSA and self insure instead.

Plus you've got the option to convert it to an IRA after 65 if you would prefer.

> The federal funds rate is (in my opinion) nearly peaked. I believe there will be 1 more rate hike this year and possibly 1 more in early 2024 before the Fed pauses and then begins reducing the federal funds rate down to the ~2.5% mark around 2026/2027.

If you know that all of this will happen, you are going to get very rich.

Man you two are doing very well. If costs are 1400 a month that's very good efficiency. Crazy impressive. 

honestly I would have the kid bunk in the room for a few years. I hated it as a kid but it is reasonable imo. My brother and I fought and went to war all the time but it's a luxury to upgrade and when you're on 1 income with a low emergency fund, I don't think it is worth the risk to upgrade. 

How is retirement savings? it's the messy middle but you should be trying to get at least 15% and hopefully 25% into retirement accounts. 

you're probably earlier in your career so you have time to grow. do you have any opportunities to increase your skills/value to make more income? Now is the time to do so. if you can do a 1-2k investment that can actually move the needle on income do it. I know I personally have a 1k certification that could do gangbusters for my career for example

after 15-25% investing, this is where things open up, make sure you have a 6-12 month emergency fund since you have children. Think about Term life insurance, if you or your wife dies, you will need coverage to help support your children. may be small amounts in 529 plans 20-50$ a month. compounding interest will do a lot of the work and it's a nice windfall come college time. may be not cover 100% but it's honestly extremely helpful.  If you would need that third bedroom in the next 7-12 years, you could start investing into a taxable brokerage. 7-12 is a decent amount of time to grow so you want to be in stock assets. probably around 6 year mark you might want to start reduce stocks and swap with bonds. 

Also enjoy life. You do want to spend a bit on lifestyle creep. don't loan the farm out but 1400 is very lean for a family. Think about experiences, bi weekly food things like BBQs, adventures, party things, family toys may be board games. Doesn't have to be extravagant or anything but you want to enjoy the time with your family. Once your kids age out of this range it will never come back.

When we talk about risk-free assets in finance, we’re referring to the riskiness of the cash flows themselves - not the value of the asset. Your position isn’t risk-free if you aren’t holding the asset to maturity (SVB’s recent collapse is a poignant reminder of the risks associated with risk-free assets). 

It’s possible that rates will continue to rise over the next few years, and it’s possible they will fall. Look at 30-year treasury yields prior to 2008, and you’ll see that 3.5% is only one such possibility. 30-year bonds have high durations (interest rate risks). If rates increase, your position will lose value (though it would lose less than it would gain for an interest rate shock of equal magnitude due to its convexity).

S&P 500 is +45.31% over the past 4 years.

I've known a lot of people who were laid off over the years (I know that is not your situation). Some went though some short and middle-term pain. Others found things relatively quickly. But one thing I saw that is most of them moved on to better things. A lot of people get comfortable, sometimes without realizing it. Being forced to look for something will sometimes allow us to find new and better situations.

It's obviously stressful to look without an existing job and when the market is so bad. I can't say much to help you through that, but don't think you've done some permanent damage to your career. There was someone who posted career/compensation history, and it was a rollercoaster as they worked at big tech places, got laid off, worked at startups, etc. Life and your career are hopefully a marathon, so don't lose hope during tough times.

A lot of cliches, but they're true. Good luck, and be kinder to yourself as you're going through these challenges.

Corporate Finance / Corporate Accounting - WFH.

Though you can have a lot of teams meetings.

Doubt i'll ever have kids but i know for sure i'm DEFINITELY NOT giving it to any of my relatives' kids 😂

Truly, you need a retirement plan. Not a financial plan, but an actual plan for what you will do in retirement. Your finances are awesome, and I can easily see a scenario where you withdraw from 457 up to top of the 12% bracket, and coupled with the pension and brokerage, start some regular conversions to a Roth IRA. But, you mention heirs. Are these your children? How old will the heirs be when you turn 65-75? Will an inheritance help them at that point? Is a 529 an option that would benefit them more? Or their kids?

But still, you need something to do for the next 35 years. How good is your physical fitness? How is your mental health? What are your hobbies and interests? Have you been doing your preventative screenings that we must do as we age? What does your friend circle look like, and are they retired as well? I recommend you read the book Outlive, by Peter Attia. It lays out the science for aging and good health. At 50, we need to be in the gym/outside exercising for 3-6 hours a week. Not just walking. But exercising with a purpose. You need hobbies that provide purpose to you. Whether it’s hiking, biking, or volunteering for an organization, you need to build your mental health as well as your overall fitness.

Would chill on the house. The baby doesn’t need more space.

I didn't run your numbers, but it sounds in the ballpark. But really, you are just speculating that rates won't go higher. Everyone and their mom is predicting interest rates to go up slightly and then down slowly (which is your position) and those expectations are built into the bonds' FMV.

Just my opinion, if I was gonna buy long duration bonds I'd be buying TIPS. Probably losing in expectation as someone else takes on the inflation risk but that's a risk I wouldn't mind have off my plate. Real yield is currently above 2%.

Damn this sounds a lot like what I intended to do. Work place is as toxic as it gets and I wanted to quit, to save all the stress and torture I put myself through everyday at this company. It seems like it’s not a very wise choice at this point so I’m stuck with this shit tier job for God knows how long. Either way it’s absolutely crap.

Testimonials definitely help, and unlimited is nice, but for $959 yearly it’s a hard pass - I’d go with your free program - which would be helpful when just starting out - then eventually just migrate to google my business for reviews - and plenty of plugins and themes that have drag and drop ( or even automated ) review migration as it is..  

But good for you on sticking with it and finding success!  

You could probably grow massively if you hired a commission based saas b2b sales specialist, too

This is so awesome. I appreciate people like you that document their steps along the way and share them. I’ll also look into using your platform as I get further along in my own saas offering. Thanks

I posted about 2 weeks ago about an interview for a tutoring job. The job posted a range of $20-$40. I was offered $20, but would not take any less than $35 due to my 7 years experience with the needed subjects and specific demographic.

I’ll be honest, I felt the offer was insulting and thought there was no way the owner would go up to $35. However, the overwhelming consensus was to try negotiating anyway and that I had nothing to lose. I read through all the comments and crafted a firm and polite response letting him know I could not accept anything below $35. I’m glad I did, because I got it! He offered $35 and I accepted!

Well, unfortunately, it went downhill from there.

During the second interview, I had already seen some red flags from the owner. He was pushy and asked inappropriate questions about my age. When I gave him my availability, he asked why I couldn’t come in on the other days? Why couldn’t I stay past 5 on Sundays? What was I doing during those times? Was I currently salary or hourly at my full time job?

I politely declined to answer these and he moved on, so I felt I could handle this pushiness, but the red flags kept flagging.

My first day, I was scheduled to arrive at 3 and got there at 3:05 because of unexpected construction. As soon as I walked in, the first thing I heard was him yelling at a student over zoom. He was yelling something about college essays and saying, “HOW CAN YOU **LITERALLY** BE SO STUPID? HOW ARE YOU THAT STUPID? SERIOUSLY.”

I asked the other tutor, “Does he ever talk to you guys that way?” And the tutor responded with kind of downward/drawn out inflection, “Um……..no…” which, to me, just hesitating at all with that answer was a red flag.

The owner then walked over to us and said, “\_\_\_\_\_\_, it's 3:06." I apologized and said there was construction and that I’d be mindful of it next time. He looked at me and did some bobbing head nods and said tersely, “I like making excuses too." And then walked away.

I was livid. I thought about it for a few minutes and decided this was not someone I wanted to work with. I packed my things, thanked him for the opportunity, let him know this environment wasn’t a good fit for me, and left.

Overall, it was a very empowering experience from start to finish. It was my first time successfully negotiating for a higher pay and it was my first time walking out on a job. I’m grateful for the experience.

Thank you for all the support and advice r/careerguidance.

\~\~

Edit 9/26: Hey ya’ll. Thanks for the positivity and reality checks.

Punctuality is one of my biggest flaws and there’s no excuse. I know any consequence is deserved, because being on time is my responsibility.

It’s an embarrassing truth that I was late my first day, but I’m okay with how things turned out this time. Continuing to work there would have been death by a thousand cuts (probably endless snide and passive aggressive comments). Nothing is worth working in a toxic environment like that, especially a side-gig I don’t need. I’m glad that we were able to see our incompatibility from the get go.

[Update] Should I bother negotiating? I was expecting $35 and was offered $20.

Apologies if it’s a silly question. When I see the neighborhoods with huge houses and Zillow says they cost 500k+ ( in my area)…. I always wonder how people afford to buy these houses. 

As someone who is not a homeowner yet, but aspires to be (starting with a much smaller home), the only option I know- would be to save up the $100k+ to put down on a house.

So how do people buy these huge houses?

How do people buy $500k+ homes?

Going from zero to 2% was almost no increase. Going from zero to 5% caught some people off guard, but no one would have taken 5% out of the realm of possibility. I am not sure if the world is prepared for 7%.  
— Jamie Dimon

https://www.marketwatch.com/story/jamie-dimon-on-interest-rates-i-am-not-sure-the-world-is-prepared-for-7-17bcf4ed?utm\_source=newsshowcase&utm\_medium=gnews&utm\_campaign=CDAqDwgAKgcICjCO6MkBMNfMFTCj7t8B&utm\_content=rundown&gaa\_at=la&gaa\_n=AYRtylalrGPwLLRhirxAeKHHzabU1j9nnzgb-PvyxlCCoAAPU8n0cRSydhgiYDiOe4urGTrm2lZ56eZadSIqskv4ZSDb&gaa\_ts=6512df4b&gaa\_sig=9j0YHPpAQYCFhNvEmyrDfK7eHEY7wx005Jjc2fbVmU-uCDo4A1TuZmbuIddZNT0zHSpxuroweRtLadnACfOUww%3D%3D

Jamie Dimon on interest rates: ‘I am not sure the world is prepared for 7%’

Seriously, I'm having such a hard time getting applicants but I keep reading how people are applying to hundreds of jobs. Without giving out too many specifics, the company is pretty good to work for but I've gotten like 2 applications from HR in the last 6 months. Are they just not trying?

Job description is pretty basic too:  SQL, SSIS are a must with 3+ years experience starting at about 80k. Data can be complex but I don't expect new hires to know right off the bat, not for 80k anyways.

What am I missing? How do y'all apply to jobs? LinkedIn? Company website? In person?

Edit: I should add this is in Texas

Edit2: a lot to go through here but seems the main point is pay. That's worth a push for a market analysis. I don't set the pay, I just work with what I'm given. 

Aside from that, yes, it's hybrid. No control over that either. It's not a small company but we're often the forgotten department. Trying to get leadership to understand some of our needs is not easy. Off to work now but I'll try to respond to messages as time allows.

Where are all the applicants I keep hearing about?

Interest rates are soreing and still going up. So I just don’t think it’s a good idea to buy.

In addition to this from what I see on Zillow all the good states cost a small fortune (I kind of miss when I though saving 100k to buy a house mattered lol) 

So in short housing expensive interest high. What else should I do with my $

Is a house even a good investment right now?

UPDATE to my original post ([https://www.reddit.com/r/personalfinance/comments/16phdko/someone\_got\_into\_my\_citizens\_bank\_account\_and/](https://www.reddit.com/r/personalfinance/comments/16phdko/someone_got_into_my_citizens_bank_account_and/))

So I'm seeing that Citizen's is starting to reverse all of the fraud paypal wires now one by one. But I just noticed something else, someone's sent me two direct deposit paypay wires into this account . WTH is going on! Is this another scam that's going on in my account? I'm going to be calling Citizens about this once they reverse all the fraud charges, but has anyone seen this before???

It says someone's name: Paypal lat (Direct Deposit)

Someone got into my Citizen's bank account and cleared it out (30k) - UPDATE

Hello, Just wondering if anyone here is a 'terminal' or permanent mid level engineer? I'm currently a cloud/devops eng with 4YOE and enjoying my job. It's super chill, I just wake up have like an hour of meetings then work on whatever needs to be worked on. Contrast this with the seniors I have seen at numerous jobs every day they are so heavily swamped with work, In 4+ hours of meetings all day, dealing with politics and just other shit that seems unenjoyable.

&#x200B;

I got wind of the salary of one of the seniors and it was like 25% higher than mine - it doesn't seem worth the stress and my current salary is more than livable

Anyone here a permanent mid level engineer?

Checking most of the ridiculously successful businessmen in the US, commercial real estate is where it's at. That is what differentiates the multiple supercar buyers from the guys able to afford a nice house and a car.

But. We all hear that and their advice. But they never ever give advice, on how to start in commercial real estate when you have nothing. Absolutely nothing to invest.

So. It is because one cannot possibly get started in commercial real estate with no money unless you gain some investable income elsewhere first? Or is there some sort of in, or secret that is truly never shared?

Real estate is where the mega's are, how do you start with nothing?

I did my own taxes this year. Based on what I put in turbo tax said I would get 1000 back. I get a letter from the IRS (state tax NY) saying they calculated I am owed  a bigger refund. They have sent me the larger sum. Do I hace anything to worry about?

Update : the letter came from the nys tax. They had all my information and what is the amount I had and what they said is the correct amount. The new amount was a direct deposit from the NYS.

I got a letter from the IRS that they owe me more money than on my return.

So I'm trying to figure out how long I'll be looking for a new job and I'm trying to figure out if the market is rough for everyone or if the posts I see here are just new grads and other entry levels having issues finding a job.

Is the market for mid level developers super rough right now?

Graduated in 2021, grinded leetcode and applied everywhere, finally found an internship ~6 months after grad and it turned into a fulltime job that I loved. Worked at said job as a .NET dev for 1.5 years.

Over this 1.5y period, while I loved the work, I struggled with poor management and toxicity in the work culture there. Things piled up until one day I burned out and quit without backup (big mistake). It's been 3 months out of the job and I've only had 1 interview for a devops position and waiting to hear back but I don't feel too optimistic about it. Every company I see is looking for 3+ YoE, and the remaining select few are hiring fresh grads. There's virtually nothing in the 1-2 YoE range.

I can't help but think that I've shot myself in the foot by quitting (because I have) and will never be able to bring my career back up to speed, at least not for the next 4-5 years. I guess my best option is to try to get in with fresh grads and start again.

I try not to let the regret of quitting, bleak job prospects, and inevitable pay cut weigh me down but it's tough when I keep thinking how much better off I would've been had I just stuck it out longer.

Anyone with a similar experience? Maybe someone laid off 1-2 years into your first job? How did it work out in the end?

Ps. Going back is not an option.

Edit:
(PPS. Okay maybe it might be an option)

I F'd up :/ ...Advice?

30 year Treasury Bonds are yielding close to 4.7% right now. This will almost certainly be beat out by the market over the longterm, but what if you buy longterm treasuries but only hold them for a short(ish) term. 

The federal funds rate is (in my opinion) nearly peaked. I believe there will be 1 more rate hike this year and possibly 1 more in early 2024 before the Fed pauses and then begins reducing the federal funds rate down to the ~2.5% mark around 2026/2027. At this point, wouldn’t all of the treasury rates fall significantly from their current highs? This in turn would mean that the higher yielding treasuries bought today would be sold at a significant premium because they would still have 25+ years to maturity at a significantly higher rate than what could be bought at auction. 

If I did my calculations correctly, a treasury yielding 4.7% with 27 years to maturity would be trading at a ~21% premium if the market rate for new 30 year treasuries drops to 3.5%. So if these assumptions are true, you would get a 4.7% annual return on your investment + an additional 21% return at the end of 3 years for a 35.1% return over a 3 year period on a risk free asset. 

I know I have to be missing something and I can’t check historical data on treasury CUSIPs since I don’t have access to a Bloomberg terminal. Can someone please check me on this and let me know if my assumptions are stupid or my math is wrong.

Are 30 year treasuries a great investment right now?

The average physician comes out of medical school with $200,000 in debt, and takes 13 years to pay it back, according to Brent Lacey, who hosts the podcast The Scope of Practice, which coaches physicians on their finances.  Consequently, doctors can miss out on years of investing as they work towards establishing themselves and eventually commanding a big salary.  And even when they get the payday, they might feel pressure to buy the big house and the fancy car, Lacey said on a recent episode. After so much sacrifice, a young physician might think, "It's my turn.”  In contrast, Lacey said, his own grandmother was a frugal public school teacher who retired a millionaire.

Full article:  [https://www.msn.com/en-us/money/other/you-can-t-outearn-stupidity-dave-ramsey-explains-why-teachers-with-a-median-salary-of-61k-become-millionaires-so-often-and-why-doctors-don-t-even-crack-the-top-5/ar-AA1hdzH4?ocid=msedgntp&cvid=4a4409c6cae945a3a7d85535ad78d262&ei=9](https://www.msn.com/en-us/money/other/you-can-t-outearn-stupidity-dave-ramsey-explains-why-teachers-with-a-median-salary-of-61k-become-millionaires-so-often-and-why-doctors-don-t-even-crack-the-top-5/ar-AA1hdzH4?ocid=msedgntp&cvid=4a4409c6cae945a3a7d85535ad78d262&ei=9)

Edit:  I thought the article to be pretty consistent with the values and practices generally shared in this subk.  Yes, a high salary helps you achieve FIRE but what matters more is how disciplined and frugal you are.  Sure, there are more teachers than doctors so on a per capita basis there are a lot more millionaire doctors than teachers.  However the bigger point is that with a $61K median salary, so many teachers still do well.  

Why There Are More Teacher Millionaires Than Doctor Millionaires

I was a software developer who was totally new to entrepreneurship. On top of it, I was also an introvert.

So had to figure out marketing along the way.

The product I built was a tool which helped entrepreneurs & business owners collect testimonials from their customers with a simple link and share them on their websites, emails etc to increase sales.

Some marketing channels like ads & influencer marketing didn't work well for me while others like social media worked really well.

It also took me a while to lock on to the customer niche which was business owners to write better copy which increased conversions.

I've written down everything that helped me get to $1000 MRR as a solopreneur in this [detailed post](https://famewall.io/founder-stories/journey-to-1000-mrr/)

This is still a small milestone but the first time I've profitably made money from a business.

Would love to hear if you have any tips/feedback for me.

Bootstrapped a SaaS to $1,000 MRR in 12 months. Here's what I learned

I am 49 this year and planning to retire next year when I turn 50. I will get a pension of around 4k a month. medical insurance is paid by pension plan. Will collect SS at 62. If I stay til 58 I will get full pension of 8k. I am wondering if I should retire. The job is easy, no stress at all,  and I don’t have to do much. I’ll say I probably do one hour of work a day. I don’t have any hobbies. I am worry I will get bored in retirement. My house is paid off. I don’t have much expenses and don’t spend much. I will probably have left over money from that 4k pension each month. I have about 1 million in my 457. Is it wise for me to rollover it to a IRA and then convert some each year to a Roth IRA if I retire at 50? I don’t plan on using any of these money and will probably leave it to my heirs. I also have about 500k in savings/stocks which I never had to touch. Confused and need guidance.

Advice Needed: Should I retire at 50?

.....will you pass it on to your children-? or let them grind it out and suffer like you've had to-?

If you hit the big time and strike it rich........

What are jobs that allow you to spend most the day by yourself?

I had planned to hold it as a medical emergency fund, by the time I retire I could have 80k.  Then when Medicare is available I could assume whatever remains is a earmarked for long term care.

Not really a right or wrong answer here but how conservative is this?

I see others discussing holding years of receipts to be able to use the funds tax free for presumably another income source. Not sure how you'd really work this into a real long term plan as you would only have tax free access to whatever expenses you happen to accrue (which best case is very low!  No one wants to get sick to avoid taxes obviously).

What is your goal with your HSA?

Hello all, I’m 30 year old male, 1 child, one on the way, and wife. Together my wife and I have 20k in savings, all 3 cars are paid off. 
Our bills come out to roughly 1400$ a month our mortgage is only 415$ a month, bought a little 2 bedroom house in 2019. 
Once baby is here our income will drop down to 4000$ a month, we live a very frugal lifestyle and have tried to always pay ahead on any credit that we have IE cars and credit cards. 

My question is, should we be looking into buying a bigger house? The market seems awfully l crazy. And baby is probably going to co-sleep for the first year anyways. 

Is there something I should be doing with that 20k savings? It has been our plan to use it for a house once we are ready.

Now what? 20k in savings no debt.

I opened a Roth IRA with Valic in 2019 and have deposited the maximum every January - $6,000, except this year, I put $6,500 in since that is now the max, so altogether, over the past 4 years, I have put $24,500 into this thing. It currently sits at $24,605.33.

When you open a Roth IRA with Valic, you can choose from about 100 different funds to invest your money in. The financial advisor that opened it for me said I should put 70% in their 'Moderate Growth Lifestyle Fund' and 30% in their 'Science and Technology Fund,' because I said I didn't want to be all that risky, I just wanted slow, steady growth, so I just did what he said. Yes, I said I didn't want to be risky, but at the same time, I'd like to earn something that is at least comparable to inflation. I am thinking of switching the 70% in to their 'Stock Index Fund' because I feel like *something* needs to change. Is this a bad idea?

I get that you are supposed to be in it for the long haul, but 0.4% over 4 years? Really?

In the past 4 years, my Roth IRA has earned me a whopping 0.4%. Is this normal?

Kyle Grieve chats with Jason Donville and Jesse Gamble about their investing strategy based on finding high and sustainable ROE businesses, why small-caps are inefficiently priced, the future of Constellation Software, the importance of focusing on fundamentals over share price, and much, much more!IN THIS EPISODE, YOU’LL LEARN:00:0 - Intro05:26 - About their outlook for Constellation Software, a business they’ve held since it IPO’d.25:10 - How to utilize ROE in your investment process to make high return investments.34:48 - Why Canadian small-caps have unique advantages to the US.52:15 - Why small-caps offer less competition from institutional investors.52:23 - Why opportunities in small-caps are so enticing.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCESPaul’s Small Cap Discoveries.What Works On Wall Street by James O'Shaughnessy.How To Make Money In Stocks by William O'Neil.NEW TO THE SHOW?Check out our Millennial Investing Starter Packs.Browse through all our episodes (complete with transcripts) here.Try Robert’s favorite tool for picking stock winners and managing our portfolios: TIP Finance.Enjoy exclusive perks from our favorite Apps and Services.Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.Learn how to better start, manage, and grow your business with the best business podcasts.P.S The Investor’s Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSGet a FREE audiobook from Audible.Learn how Principal Financial can help you find the right benefits and retirement plan for your team today.Your home might be worth more than you think. Earn extra money today with Airbnb.Get a customized solution for all of your KPIs in one efficient system with one source of truth. Download NetSuite’s popular KPI Checklist, designed to give you consistently excellent performance for free.Shape and flex your home loans how you want with Athena. Join the thousands of Aussies taking control of their mortgage today.Enjoy an all-in-one personal finance app that gives you a comprehensive view of all your accounts, investments, transactions, cash flow, net worth, and more, with Monarch Money. Get an extended thirty-day free trial today.Be confident that you’ll be small businessing at your best with support designed to help you reach your goals. Book an appointment with a TD Small Business Specialist today.Invest in the same paintings available to billionaires, at a more accessible price point with Masterworks.Support our free podcast by supporting our sponsors.Connect with Kyle: Twitter | WebsiteConnect with Jason: LinkedIn | WebsiteConnect with Jesse: LinkedIn | WebsiteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Kyle Grieve chats with Jason Donville and Jesse Gamble about their investing strategy based on finding high and sustainable ROE businesses, why small-caps are inefficiently priced, the future of Constellation Software, the importance of focusing on fundamentals over share price, and much, much more! IN THIS EPISODE, YOU’LL LEARN:00:0 - Intro05:26 - About their outlook for Constellation Software, a business they’ve held since it IPO’d.25:10 - How to utilize ROE in your investment process to make high return investments.34:48 - Why Canadian small-caps have unique advantages to the US.52:15 - Why small-caps offer less competition from institutional investors.52:23 - Why opportunities in small-caps are so enticing.And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES<ul><li>Paul’s <a href="https://smallcapdiscoveries.com/" rel="nofollow">Small Cap Discoveries</a>.</li><li><a href="https://www.amazon.com/What-Works-Wall-Street-Fourth/dp/0071625763?crid&#61;3L1ALFWDQZVZQ&amp;keywords&#61;what&#43;works&#43;on&#43;wall&#43;street&#43;5th&#43;edition&amp;qid&#61;1692289112&amp;sprefix&#61;what&#43;works&#43;on&#43;wall&#43;stree%2Caps%2C156&amp;sr&#61;8-1&amp;linkCode&#61;ll1&amp;tag&#61;tipnetwork-20&amp;linkId&#61;d5e02da384d10d7677677ee39baae949&amp;language&#61;en_US&amp;ref_&#61;as_li_ss_tl" rel="nofollow">What Works On Wall Street</a> by James O&#39;Shaughnessy.</li><li><a href="https://www.amazon.com/How-Make-Money-Stocks-Winning/dp/0071614133?crid&#61;1ZJ57S9S2JX31&amp;keywords&#61;how&#43;to&#43;make&#43;money&#43;in&#43;stocks&#43;william&#43;o%27neil&amp;qid&#61;1692289363&amp;sprefix&#61;how&#43;to&#43;make&#43;money&#43;in&#43;%2Caps%2C197&amp;sr&#61;8-1&amp;linkCode&#61;ll1&amp;tag&#61;tipnetwork-20&amp;linkId&#61;e9431ce93d7ce9f7d3bd5540d5c09adb&amp;language&#61;en_US&amp;ref_&#61;as_li_ss_tl" rel="nofollow">How To Make Money In Stocks</a> by William O&#39;Neil.</li></ul> NEW TO THE SHOW?<ul><li>Check out our <a href="https://www.theinvestorspodcast.com/mi-starter-packs/" rel="nofollow">Millennial Investing Starter Packs</a>.</li><li>Browse through all our episodes (complete with transcripts) <a href="https://www.theinvestorspodcast.com/millennial-investing/" rel="nofollow">here</a>.</li><li>Try Robert’s favorite tool for picking stock winners and managing our portfolios: <a href="https://www.theinvestorspodcast.com/tip-finance/" rel="nofollow">TIP Finance</a>.</li><li>Enjoy exclusive perks from our <a href="https://www.theinvestorspodcast.com/affiliates/" rel="nofollow">favorite Apps and Services</a>.</li><li>Stay up-to-date on financial markets and investing strategies through our daily newsletter,<a href="https://www.theinvestorspodcast.com/newsletters/" rel="nofollow"> We Study Markets</a>.</li><li>Learn how to better start, manage, and grow your business with the <a href="https://www.theinvestorspodcast.com/podcasts/20-best-business-podcasts/" rel="nofollow">best business podcasts</a>.</li></ul> P.S The Investor’s Podcast Network is excited to launch a <a href="https://clicks.aweber.com/y/ct/?l&#61;7HQTa&amp;m&#61;3hIUiG6T8vBkNOB&amp;b&#61;8NVZC.qh9__ur.qME8mcEQ" rel="nofollow">subreddit</a> devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit <a href="https://clicks.aweber.com/y/ct/?l&#61;7HQTa&amp;m&#61;3hIUiG6T8vBkNOB&amp;b&#61;8NVZC.qh9__ur.qME8mcEQ" rel="nofollow">r/TheInvestorsPodcast</a> today! SPONSORS<ul><li>Get a <a href="https://www.amazon.com/Audible-Free-Trial-Digital-Membership/dp/B00NB86OYE/?&amp;_encoding&#61;UTF8&amp;tag&#61;millenniali0e-20&amp;linkCode&#61;ur2&amp;linkId&#61;1c34937c3747cd4044bdc87a7823c82f&amp;camp&#61;1789&amp;creative&#61;9325" rel="nofollow">FREE audiobook from Audible</a>.</li><li>Learn how <a href="https://principal.com/benefits" rel="nofollow">Principal Financial</a> can help you find the right benefits and retirement plan for your team today.</li><li>Your home might be worth more than you think. Earn extra money today with <a href="https://airbnb.com/host" rel="nofollow">Airbnb</a>.</li><li>Get a customized solution for all of your KPIs in one efficient system with one source of truth. Download <a href="https://netsuite.com/mi" rel="nofollow">NetSuite</a>’s popular KPI Checklist, designed to give you consistently excellent performance for free.</li><li>Shape and flex your home loans how you want with <a href="https://athena.com.au/" rel="nofollow">Athena</a>. Join the thousands of Aussies taking control of their mortgage today.</li><li>Enjoy an all-in-one personal finance app that gives you a comprehensive view of all your accounts, investments, transactions, cash flow, net worth, and more, with <a href="https://monarchmoney.com/mi" rel="nofollow">Monarch Money</a>. Get an extended thirty-day free trial today.</li><li>Be confident that you’ll be small businessing at your best with support designed to help you reach your goals. Book an appointment with a <a href="https://td.com/doyousmallbusiness" rel="nofollow">TD Small Business Specialist</a> today.</li><li>Invest in the same paintings available to billionaires, at a more accessible price point with <a href="https://masterworks.art/mi" rel="nofollow">Masterworks</a>.</li><li>Support our free podcast by supporting our <a href="https://www.theinvestorspodcast.com/sponsors/" rel="nofollow">sponsors</a>.</li></ul> Connect with Kyle: Twitter | <a href="https://www.theinvestorspodcast.com/millennial-investing/" rel="nofollow">Website</a>Connect with Jason: <a href="https://www.linkedin.com/in/jason-donville-903a559/" rel="nofollow">LinkedIn</a> | <a href="https://donvillekent.com/" rel="nofollow">Website</a>Connect with Jesse: <a href="https://www.linkedin.com/in/jesse-gamble-ba373730/" rel="nofollow">LinkedIn</a> | <a href="https://donvillekent.com/" rel="nofollow">Website</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>.

MI295: From Numbers to Riches: Return On Equity’s Impact on Investments w/ Jason Donville and Jesse Gamble

Are you ready to flip the script on retirement? We promise to take you on an enlightening journey where you discover that retirement is much more than a financial milestone. We'll debunk common myths and insist retirement is only 20% about money, while a significant 80% revolves around life decisions. We aim to shatter the fear-based stories that get sold to you and instead focus on achieving your bucket list goals.Quite often, the emotional aspects of retirement get overshadowed by the financial ones, resulting in an overwhelming experience. We steer the conversation towards the importance of understanding and effective communication between partners when it comes to financial decisions. Together, we'll navigate the path to a fulfilling retirement and learn how to make the most of your life choices. Money alone won't ensure happiness, so don't miss this opportunity to move from inspiration to transformation, creating a retirement that doesn't leave you feeling hollow.______________________________________________________________Looking for additional content that can help you get the most from your life? Check out Unleashing Leadership with Travis Maus, premium bonus content from Ditch the Suits Fans, at https://unleashingleadership.buzzsprout.com/Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.comDitch the Suits is produced by NQR Media. NQR also produces the One Big Thing Podcast with Steve Campbell. You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com/ or email us at info@ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia⭐⭐⭐⭐⭐ We'd also love for you to subscribe to this podcast and leave a 5-star rating and review

Are you ready to flip the script on retirement? We promise to take you on an enlightening journey where you discover that retirement is much more than a financial milestone. We&#39;ll debunk common myths and insist retirement is only 20% about money, while a significant 80% revolves around life decisions. We aim to shatter the fear-based stories that get sold to you and instead focus on achieving your bucket list goals. Quite often, the emotional aspects of retirement get overshadowed by the financial ones, resulting in an overwhelming experience. We steer the conversation towards the importance of understanding and effective communication between partners when it comes to financial decisions.  Together, we&#39;ll navigate the path to a fulfilling retirement and learn how to make the most of your life choices. Money alone won&#39;t ensure happiness, so don&#39;t miss this opportunity to move from inspiration to transformation, creating a retirement that doesn&#39;t leave you feeling hollow.______________________________________________________________ Looking for additional content that can help you get the most from your life? Check out Unleashing Leadership with Travis Maus, premium bonus content from Ditch the Suits Fans, at <a href="https://unleashingleadership.buzzsprout.com/" rel="nofollow">https://unleashingleadership.buzzsprout.com/</a> Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at <a href="https://www.seedpg.com/" rel="nofollow">www.seedpg.com</a> Ditch the Suits is produced by NQR Media. NQR also produces the One Big Thing Podcast with Steve Campbell. You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at <a href="https://youtube.com/&#64;NQRMedia" rel="nofollow">https://youtube.com/&#64;NQRMedia</a> &#x1f4e7; For more information or to get in touch with us, visit <a href="https://www.ditchthesuits.com/" rel="nofollow">https://www.ditchthesuits.com/</a> or email us at <a href="mailto:info&#64;ditchthesuits.com" rel="nofollow">info&#64;ditchthesuits.com</a> &#x1f44d;&#x1f3fc; You can also follow us on Facebook, Instagram and Twitter at &#64;nqrmedia ⭐⭐⭐⭐⭐ We&#39;d also love for you to subscribe to this podcast and leave a 5-star rating and review

Creating a Fulfilling Retired Life: It's Not All About Money

My guests today are Jack Altman and Miles Grimshaw. Jack is the co-founder and CEO of Lattice, an HR software platform. Miles is a General Partner at Benchmark, an early investor and Board Director at Lattice, as well as a former guest on Invest Like the Best. Jack started Lattice in 2015 and has scaled it into a multi-billion-dollar business that already serves over 5,000 organizations. In our discussion, we look at all aspects of building and scaling a software product from both an investor and operator’s perspective, which made this particularly fun to do. Please enjoy my conversation with Jack Altman and Miles Grimshaw.  Listen to Founders Podcast  For the full show notes, transcript, and links to mentioned content, check out the episode page here.  -----  This episode is brought to you by Tegus, the modern research platform for leading investors. Stretch your research budget with flexible expert calls you can trust. At a fraction of the cost of traditional expert networks, Tegus customers pay only what an expert charges – with zero markups and no confusing call credits – netting an average 70% savings. Don’t want to conduct a full hour call? Tegus offers the ability to schedule 30-minutes, an offer you won’t find anywhere else. And they don’t stop there. With white-glove custom sourcing for every project and robust compliance measures, including a dedicated 50+ analyst team that vets every call transcript, Tegus ensures your privacy and protection. As the industry innovator for qualitative insights, Tegus helps you find the right experts you need at a quality and speed that can’t be matched. For a limited time, as a listener, you can trial Tegus for free by visiting tegus.co/patrick.  -----  Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.   Past guests include Tobi Lutke, Kevin Systrom, Mike Krieger, John Collison, Kat Cole, Marc Andreessen, Matthew Ball, Bill Gurley, Anu Hariharan, Ben Thompson, and many more.  Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here.  Follow us on Twitter: @patrick_oshag | @JoinColossus  Show Notes  (00:02:55) - (First question) - How Jack & Miles met at Y Combinator in 2015 (00:04:22) - Lattice found a niche in mid-market HR software (00:07:55) - Discovering Lattice's true market need (00:11:14) - Fear of stalling drove the need for business growth beyond initial product (00:12:06) - Deciding on multi-product focus over up-market expansion (00:17:01) - Prioritizing quality of usage over frequency for customer health scores (00:20:06) - Balancing customer health scores and actual needs (00:24:31) - Prioritized community by spotlighting HR voices (00:28:20) - Building community helps companies sell a vision or lifestyle (00:31:05) - Cultivating broad awareness instead of hard-selling (00:35:33) - Overcoming the culture of 'perfection’ (00:37:22) - Flywheel effect makes suites efficient: lower go-to-market costs, more focus on product (00:41:06) - The challenges of juggling current needs and future demands (00:46:27) - Navigating disagreements and trust-building within a company (00:50:36) - Investors' roles extend beyond founders, focusing on their own goals and interests (00:51:52) - How transparency eases the founder-investor dance (00:55:16) - The changing employer-employee relationship (00:58:37) - Navigating growth from startup to public equity (01:05:43) - Lattice's ultimate aspiration (01:07:42) - Evaluating founders' authenticity (01:11:18) - What Jack & Miles are most embarrassed about, the most proud of, and the most excited for (01:14:30) - The kindest thing anyone has ever done for Jack and Miles

My guests today are <a href="https://twitter.com/jaltma?lang&#61;en" rel="nofollow">Jack Altman</a> and <a href="https://twitter.com/milesgrimshaw" rel="nofollow">Miles Grimshaw</a>. Jack is the co-founder and CEO of Lattice, an HR software platform. Miles is a General Partner at Benchmark, an early investor and Board Director at Lattice, as well as a <a href="https://www.joincolossus.com/episodes/29895246/grimshaw-assessing-the-dna-of-software-companies" rel="nofollow">former guest</a> on Invest Like the Best. Jack started Lattice in 2015 and has scaled it into a multi-billion-dollar business that already serves over 5,000 organizations. In our discussion, we look at all aspects of building and scaling a software product from both an investor and operator’s perspective, which made this particularly fun to do. Please enjoy my conversation with Jack Altman and Miles Grimshaw. Listen to Founders Podcast For the full show notes, transcript, and links to mentioned content, check out the episode page <a href="https://joincolossus.com/episodes/76952965/altman-building-and-investing-in-lattice" rel="nofollow">here</a>. ----- This episode is brought to you by<a href="https://www.tegus.com/free-trial?utm_medium&#61;podcast&amp;utm_source&#61;investwiththebest&amp;utm_campaign&#61;tegus_investwiththebest" rel="nofollow"> Tegus,</a> the modern research platform for leading investors. Stretch your research budget with flexible expert calls you can trust. At a fraction of the cost of traditional expert networks, Tegus customers pay only what an expert charges – with zero markups and no confusing call credits – netting an average 70% savings. Don’t want to conduct a full hour call? Tegus offers the ability to schedule 30-minutes, an offer you won’t find anywhere else. And they don’t stop there. With white-glove custom sourcing for every project and robust compliance measures, including a dedicated 50&#43; analyst team that vets every call transcript, Tegus ensures your privacy and protection. As the industry innovator for qualitative insights, Tegus helps you find the right experts you need at a quality and speed that can’t be matched. For a limited time, as a listener, you can trial Tegus for free by visiting<a href="https://www.tegus.com/free-trial?utm_medium&#61;podcast&amp;utm_source&#61;investwiththebest&amp;utm_campaign&#61;tegus_investwiththebest" rel="nofollow"> tegus.co/patrick</a>. ----- Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit <a href="https://www.joincolossus.com/episodes" rel="nofollow">joincolossus.com/episodes</a>.  Past guests include <a href="https://joincolossus.com/episodes/64592621/lutke-building-a-modern-business?tab&#61;transcript" rel="nofollow">Tobi Lutke</a>, <a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow">Kevin Systrom</a>, <a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow">Mike Krieger</a>, <a href="https://joincolossus.com/episodes/34646260/collison-growing-the-internet-economy?tab&#61;transcript" rel="nofollow">John Collison</a>, <a href="https://joincolossus.com/episodes/15230717/cole-how-to-operate-lessons-in-brand-distribution-and-leadership?tab&#61;transcript" rel="nofollow">Kat Cole</a>, <a href="https://joincolossus.com/episodes/58516750/andreessen-making-the-future?tab&#61;blocks" rel="nofollow">Marc Andreessen</a>, <a href="https://joincolossus.com/episodes/69430337/ball-the-future-of-media-movies-the-metaverse-and-more?tab&#61;transcript" rel="nofollow">Matthew Ball</a>, <a href="https://joincolossus.com/episodes/12224182/gurley-all-things-business-and-investing?tab&#61;transcript" rel="nofollow">Bill Gurley</a>, <a href="https://joincolossus.com/episodes/99792081/hariharan-lessons-in-growth-investing?tab&#61;transcript" rel="nofollow">Anu Hariharan</a>, <a href="https://joincolossus.com/episodes/91241527/thompson-platforms-ecosystems-and-aggregators?tab&#61;transcript" rel="nofollow">Ben Thompson</a>, and many more. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up <a href="https://www.joincolossus.com/newsletter" rel="nofollow">here</a>. Follow us on Twitter: <a href="https://twitter.com/patrick_oshag" rel="nofollow">&#64;patrick_oshag</a> | <a href="https://twitter.com/JoinColossus" rel="nofollow">&#64;JoinColossus</a> Show Notes	(00:02:55) - (First question) - How Jack &amp; Miles met at <a href="https://www.ycombinator.com/" rel="nofollow">Y Combinator</a> in 2015(00:04:22) - <a href="https://lattice.com/" rel="nofollow">Lattice</a> found a niche in mid-market HR software(00:07:55) - Discovering Lattice&#39;s true market need(00:11:14) - Fear of stalling drove the need for business growth beyond initial product(00:12:06) - Deciding on multi-product focus over up-market expansion(00:17:01) - Prioritizing quality of usage over frequency for customer health scores(00:20:06) - Balancing customer health scores and actual needs(00:24:31) - Prioritized community by spotlighting HR voices(00:28:20) - Building community helps companies sell a vision or lifestyle(00:31:05) - Cultivating broad awareness instead of hard-selling(00:35:33) - Overcoming the culture of &#39;perfection’(00:37:22) - Flywheel effect makes suites efficient: lower go-to-market costs, more focus on product(00:41:06) - The challenges of juggling current needs and future demands(00:46:27) - Navigating disagreements and trust-building within a company(00:50:36) - Investors&#39; roles extend beyond founders, focusing on their own goals and interests(00:51:52) - How transparency eases the founder-investor dance(00:55:16) - The changing employer-employee relationship(00:58:37) - Navigating growth from startup to public equity(01:05:43) - Lattice&#39;s ultimate aspiration(01:07:42) - Evaluating founders&#39; authenticity(01:11:18) - What Jack &amp; Miles are most embarrassed about, the most proud of, and the most excited for(01:14:30) - The kindest thing anyone has ever done for Jack and Miles

Jack Altman & Miles Grimshaw - Building and Investing in Lattice - [Invest Like the Best, EP.345]

Stocks sold off to multi-month lows, with the Dow breaching a key level of support. But some stocks may have been unfairly punished in the volatility. The traders are putting together their list of names that might be getting attractive right now. Plus the Senate set to vote on the SAFE Banking Act tomorrow. What it could mean for the marijuana industry.  Fast Money Disclaimer

Stocks sold off to multi-month lows, with the Dow breaching a key level of support. But some stocks may have been unfairly punished in the volatility. The traders are putting together their list of names that might be getting attractive right now. Plus the Senate set to vote on the SAFE Banking Act tomorrow. What it could mean for the marijuana industry.  <a href="https://www.cnbc.com/fast-money-disclaimer/" rel="nofollow">Fast Money Disclaimer</a>

Is the Sell-Off an Opportunity to Buy? And the Future of Cannabis Legalization 9/26/23

Coach Dobber and his wife in Edina, Minnesota have a low mortgage interest rate and a decent amount of home equity. Should they put that equity to work and take the risk on buying a higher value home at a reduced price, even if it means a much higher interest rate and higher monthly payments too? Plus, Joe and Big Al spitball for Adam, in the birthplace of aviation, on the taxation of passive rental income, and capital gains from his portfolio and the sale of his business, prior to his early retirement. They also spitball for Charles in Idaho, on taxes on the sale of his mother-in-law’s house. And should Dan’s wife and business co-owner retire from the business and take Social Security Disability? And will Social Security be reduced for everyone? Steve in Vegas has a cautionary tale to tell. Timestamps:  00:55 - Stay With a Low Mortgage Rate, or Buy Up at a Reduced Price? (Coach Dobber, Edina, MN) 16:10 - Early Retirement Taxes on Rental Income and Capital Gains? (Adam, Dayton, OH) 24:55 - How to Figure Taxes on Sale of Mom’s House (Charles, ID) 29:47 - Should Spouse and Business Co-Owner with Alzheimer’s Retire and Take Social Security Disability? (Dan, Midwest USA) 36:04 - Will Social Security Be Reduced for Everyone? A Cautionary Tale (Steve, Las Vegas) 44:17 - The Derails  Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-448   2023 Key Financial Data Guide EASIRetirement.com - new free retirement calculator! Social Security Handbook Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis 

Coach Dobber and his wife in Edina, Minnesota have a low mortgage interest rate and a decent amount of home equity. Should they put that equity to work and take the risk on buying a higher value home at a reduced price, even if it means a much higher interest rate and higher monthly payments too? Plus, Joe and Big Al spitball for Adam, in the birthplace of aviation, on the taxation of passive rental income, and capital gains from his portfolio and the sale of his business, prior to his early retirement. They also spitball for Charles in Idaho, on taxes on the sale of his mother-in-law’s house. And should Dan’s wife and business co-owner retire from the business and take Social Security Disability? And will Social Security be reduced for everyone? Steve in Vegas has a cautionary tale to tell. Timestamps: <ul><li>00:55 - Stay With a Low Mortgage Rate, or Buy Up at a Reduced Price? (Coach Dobber, Edina, MN)</li><li>16:10 - Early Retirement Taxes on Rental Income and Capital Gains? (Adam, Dayton, OH)</li><li>24:55 - How to Figure Taxes on Sale of Mom’s House (Charles, ID)</li><li>29:47 - Should Spouse and Business Co-Owner with Alzheimer’s Retire and Take Social Security Disability? (Dan, Midwest USA)</li><li>36:04 - Will Social Security Be Reduced for Everyone? A Cautionary Tale (Steve, Las Vegas)</li><li>44:17 - The Derails</li></ul> Access this week&#39;s free financial resources in the podcast show notes at<a href="https://bit.ly/ymyw-448" rel="nofollow"> https://bit.ly/ymyw-448</a>  <ul><li>2023 Key Financial Data Guide</li><li>EASIRetirement.com - new free retirement calculator!</li><li>Social Security Handbook</li><li>Episode Transcript</li><li>Ask Joe &amp; Big Al On Air for your Retirement Spitball Analysis</li></ul>

Low Mortgage Interest Rate vs. Future Gains: Is Trading Up Worth It? - 448

Ken McElroy

In this brief excerpt from Ken's latest Happy Hour, Jason Hartman breaks down the costly myth of market timing and emphasizes ...

Avoiding the Market Timing Trap: Insights from Jason Hartman

Are you looking to get started in real estate investing? Consider your budget and how to find which property type is right for you.

Real Estate Investing: Finding the Right Property for Your Budget

Alex Hormozi

My new book $100M Leads is now LIVE. Grab your copy here https://shop.acquisition.com/ --- WE'RE BUYING! $1M-10M ...

Letting Go of My Fathers Approval

Successful Because of My Childhood?

Why People Never Start

BiggerPockets

Episode #823 What's the key to paying ZERO taxes? A cost segregation study. Never heard of it? Most real estate investors ...

How to Make Tax-Free MILLIONS with a Cost Segregation Study

Big Think

Physicist Janna Levin discusses the boundaries of reality and experimentation. This interview is an episode from @The-Well, our ...

How theoretical and experimental physicists clash, fight, and make physics better | Janna Levin

Yahoo Finance

Amazon (AMZN) stock fell today after the Federal Trade Commission filed an anti-trust lawsuit accusing the company of ...

Stocks news September 26, 2023: Amazon down on FTC lawsuit, Etsy stock falls; Fisker, Rivian jump

U.S. lawmakers are on a strict timeline to avoid a government shutdown and pass a new federal spending bill by October 1.

Government shutdown showdowns are &#39;ridiculous,&#39; Sen. Johnson (R-WI) explains

OpenAI, the company behind ChatGPT, is looking at a new valuation of up to $90 billion, tripling its prior valuation, according to ...

Explore yesterday’s top reddit posts
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Explore yesterday’s top reddit postson financial independence and early retirement

Featured Podcasts

Featured reddit posts

Featured youtube videos

Ken McElroy

Ken McElroy

Alex Hormozi

Featured FIRE Apps

Acorns

E*trade

Robinhood

Coinbase

Explore yesterday’s top reddit posts
on financial independence and early retirement