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The Great Resignation - What To Do With Your 401k Money After You Quit
#personalfinance #investing #401k
The Great Resignation is an informal name for the widespread trend of a significant number of workers leaving their jobs during the COVID-19 pandemic. It's sometimes also called the Big Quit. If you've left your job recently the one thing I don't want you to forget is your 401k/403b money. I want you to take it with you when you go so you can retain total control over your money. This video will go over some of the many options you have when moving your 401k/403b retirement money.
https://hbr.org/2021/09/who-is-driving-the-great-resignation
Simplified Employee Pension - https://www.irs.gov/retirement-plans/plan-sponsor/simplified-employee-pension-plan-sep
One Participant 401k - https://www.irs.gov/retirement-plans/one-participant-401k-plans
Related Videos
- Why I Moved My IRA to Fidelity - https://youtu.be/2xm-XsmvWY0
- Which IRA is Right for You? Traditional vs. Roth IRA Explained! - https://youtu.be/gxdNNfnlQ10
- Don’t Make this COSTLY IRA Mistake! - https://youtu.be/za-fwvQO6NY
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Don’t Make this COSTLY IRA Mistake!
When setting up an IRA (individual retirement account), there is one crucial step many people often forget that will ultimately cost you thousands. Whether you've opened a Traditional IRA or Roth IRA, you can still make the same mistake. Today I'll be sharing that mistake and what you can do to set up your IRA for success.
***FREE GUIDE***
14 Questions You Must Ask Yourself Before Your Next Investment -
https://focused-spender.ck.page/14questions
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Funds mentioned in the video are for informational purposes ONLY!
- VBTLX
- VDIGX
- VEMAX
- VTIVX
***Investment disclaimer***
All investment strategies and investments involve the risk of loss. Nothing contained in this video should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. -
Student Loan Freeze is ENDING - Do These FIVE Things NOW!
Since March of 2020, federal student loan payments have been suspended and interest has been frozen due to the pandemic. The freeze has been extended several times but will finally come to an end on January 31st, 2022. Today I’ll be sharing the five things you need to do NOW before the freeze is lifted.
ARTICLES
Repayment Plan Options -
https://studentaid.gov/manage-loans/repayment/plans
Student Loan Forgiveness - https://finance.yahoo.com/news/student-loan-forgiveness-education-department-erased-2-billion-in-debt-160257619.html
Navient Exits Student Loans - https://www.cnet.com/personal-finance/your-money/navient-exits-the-student-loan-business-heres-what-will-happen-to-your-student-loans/
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When your bank account proves you're a liar, lol.
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My Betterment Investment Six Years Later | You Won't Believe the Results!!
#betterment #investing #personalfinance
Betterment is an online Robo advisor investment platform that uses algorithms to build a personalized investment portfolio for you. I have used Betterment for the past six years, and the results have been phenomenal!
First, I have an account called Build Wealth, a taxable investment account with ETFs covering the entire stock market and invested in Vanguard funds such as VTI, VTV, and VOE. Currently, I have a semi-monthly auto investment of $350 to ensure I invest every month on schedule.
My second Betterment account is called House Fund, and it is how I am saving for a down payment on a home. The investment style is conservative, with a split of 70% bonds, 30% stocks. I started with a split of 90% bonds and 10% bonds.
Betterment Referral Code
www.betterment.com/friend-referral-offer?referral_key=kamilahobrien
***FREE GUIDE***
14 Questions You Must Ask Yourself Before Your Next Investment -
https://focused-spender.ck.page/14questions
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✅ Twitter @focusedspender -
My lifestyle is different
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Earn FREE Crypto When You Shop With the Social Good App!!
Are you ready to try Crypto, but are still scared about buying it? Is it a safe investment, will you lose all your money? Well, I feel the same way. But today I’ll be reviewing the SocialGood app, which allows you to get free Crypto on your everyday purchases. You can get up to 100% crypto back on purchases up to $10,000.
***Ready To Try Out the App??***
https://referral.socialgood.inc/?id=8RLB53
LEARN MORE ABOUT SOCIAL GOOD
Website: https://socialgood.inc/
Telegram: https://t.me/SocialGood_io
Twitter: https://twitter.com/socialgood_inc
Facebook: https://facebook.com/socialgoodinc
Zendesk：https://socialgood.zendesk.com/hc/en-us/articles/4405390839321
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Fundrise vs. Vanguard's VNQ Real Estate ETF - My $1000 Investment Results!
Seven months ago, I decided to open up an account with Fundrise to start my real estate investment journey. With the app, you get access to private, commercial and residential real estate investing even without being an accredited investor. I started with a $1000 investment and add a monthly addition. In this video I share my results and how my investment compares to Vanguard's VNQ real estate investment ETF.
Try fundrise! (Affiliate Link)
https://fundrise.sjv.io/focusedspender
~~~Related Video~~~
$1000 Fundrise Portfolio - Three Month Update! - https://youtu.be/yfHWitkT0cw
My $1000 Fundrise Real Estate Portfolio | Pros/Cons, Review of Platform
https://youtu.be/NVH1153Pd-U
***FREE GUIDE***
14 Questions You Must Ask Yourself Before Your Next Investment -
https://focused-spender.ck.page/14questions
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The 4 Ways I Automate My Finances for Financial Success! | How to Manage Your Money
#focusedspender #debtfreecommunity #personalfinance
The best thing about my finances on autopilot is that I can no longer "forget" to save or invest. Because, yes that is a thing! Once I get paid, a series of actions happen without me having to lift a finger, which ensures my money is getting to the right bank account, my bills are paid on time and my savings/investment accounts are flush. It's the only way I can imagine managing my money and I'll never go back to the manual way again.
Cash Flow 🛠🛠🛠
http://focusedspender.com/budget-tools
FREE GUIDE
***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page
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READY TO INVEST? My Top Four Investment Apps for Beginners
Are you new to investing and are looking for an investment app so you can save for your retirement, build wealth and boost your nest egg? In this video, I am sharing four beginner-friendly investment apps that are low-cost and easy to use. Now you no longer have any excuses not to invest because these apps do all the work for you. Answer a few questions, and you can get started today!
Save 70% on your car insurance, get a free quote from Cover: https://app.cover.com/focusedspender
Ready to try out these apps? Links are below (in no particular order)!
betterment.com/friend-referral-offer?referral_key=kamilahobrien
https://fundrise.sjv.io/focusedspender
https://m1finance.8bxp97.net/JgaYa
https://share.acorns.com/kami02
01:48 App #4
03:21 App #3
05:18 App #2
07:19 App #1 -
Social Security is a Bust! Do these TWO things NOW!
This week, the US government announced that the Social Security Trust Fund is estimated to be depleted by 2034. What they are reporting is that while you will get some benefits, it will be MUCH less than expected. So what this means it's time to take your retirement is in your hands. If not, retirement will not be the fun and relaxation that you expected. So what should you do? Well, today I'll share the two things you must do to secure your future!
https://www.ssa.gov/OACT/TR/2021/
https://www.cnbc.com/2021/09/01/social-security-funding-woes-put-pressure-on-congress-to-solve.html
https://www.cbsnews.com/news/social-security-benefits-reduction-2034-covid-pandemic/
FREE GUIDE
***5 Payday Mistakes Keeping Your Saving and Investment Accounts from Growing & How to Fix it! *** - https://focused-spender.ck.page
Budget 🛠🛠🛠
www.focusedspender.com/budget-tools
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Seedfi Review | How to Raise Your Credit Score while Building Your Savings!
#seedfipartner #seedfireview #focusedspender
This week, I am reviewing Seedfi, the financial health startup helping Americans build credit, save money, access funds, and plan for the future. Seedfi currently has two main plans - the Credit Builder Plan and the Borrow & Grow Plan, which was designed to tackle the issues of no to poor credit and low savings, with better credit and savings in the bank.
TRY SEEDFI
https://seedfi.sjv.io/focusedspender
Credit Builder Example Plan - https://www.seedfi.com/plans/credit-builder
Borrow & Grow Example Plan - https://www.seedfi.com/plans/borrow-and-grow
They currently offer loans in 33 states plus DC. You can get an up-to-date list of states here - https://www.seedfi.com/where-we-operate
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***Disclaimer***
Disclaimer: Opinions expressed in this video are mine. I am not providing financial advice. The information I provide may not apply directly to your individual situation. Please consult a qualified professional for financial advice. I may receive a commission when you click on the links in this video and get a SeedFi Plan. This helps support the channel and allows me to continue to make videos like this. Thank you for your support!
SeedFi Customers with fewer than three tradelines on their credit profile experienced an average increase to their Vantage 3.0 credit score from 579 to 624 (+45 points) after six months of on-time payments (data gathered from Dec'19 through Nov'20).
Loans and savings account provided by Cross River Bank, Member FDIC.
Example Credit Builder Plan: SeedFi charges $1 a month to access the Credit Builder Plan. In a typical Plan, at the end of one year the consumer would have paid $512 and would have $500 of savings. If you’re trying to shop or compare this against other credit builder loans that charge an interest rate, the $1 a month is equivalent to a 4.6% APR. SeedFi will provide the Credit Builder Plan for free after you’ve referred one friend.
Example Borrow & Grow Plan: For example, for a Borrow & Grow Plan where the consumer accesses $3,000 in cash now and placed $1,500 in savings, the Amount Financed would $4,500, the APR would be 19.99%, the Finance Charge would be $1,417, the Total of Payments would be $5,917, the Payment Schedule would be 73 biweekly payments of $80 and one final payment of $77, and the payment schedule would span 34 months.