How Much Income You Need To Save (By EVERY Age)
Here's EXACTLY how much you need saved by every age, the average incomes from your 20's, 30's, 40's, and 50's - and how you can retire with as little as $416 per month. Enjoy! Add me on Instagram: GPStephan | PROMOTIONAL OFFER: Get FREE Fractional Shares when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephan GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletter The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF AGE 20: Average Net Worth: -$31,571 1. GET A CREDIT CARD The point is to begin building up your credit score as soon as possible, since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for. 2. OPEN A ROTH IRA This will allow you to invest $7000 per year and grow your money COMPLETELY TAX-FREE by the age of 59 - meaning, by the time you’re older, everything is pure profit. 3. SAVE 20% OF YOUR INCOME 4. INVEST IN THE MARKETS AGE 30: Average Net Worth: $42,339 1. GET A CREDIT SCORE OF AT LEAST 750 2. BE BAD-DEBT FREE BY 30 YEARS OLD This means you’ve paid off any loans or debt that’s above a 5%-6% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low-interest rate mortgage or student loan…you don’t have anything weighing you down. 3. HAVE A 3-6 MONTH SAFETY FUND 4. AIM FOR 1X YOUR SALARY SAVED AGE 40: Median Net Worth: $90,000 Average Net Worth: $319,000 1. MAX OUT RETIREMENT ACCOUNTS ANNUALLY 2. MAXIMIZE YOUR EARNINGS 3. HAVE A BUDGET - NO MATTER WAHT 4. KNOW HOW MUCH YOU NEED TO RETIRE The rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending invested in order for that money to last you without running out. AGE 50: Median Net Worth: $290,000 Average Net Worth: $1,300,000 1. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES 2. BE CLOSE TO PAYING OFF YOUR MORTGAGE 3. HAVE A CLEAR PLAN FOR RETIREMENT AGE 60: Median Net Worth: $490,000 Average Net Worth: $1,600,000 Top 1% Net Worth: $14,338,000 1. AIM FOR 10-12X YOUR SALARY SAVED UP 2. PAY OFF YOUR PRIMARY RESIDENCE 4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTS My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at [email protected] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
2/21/2024 9:00:31 PM
Closure and Commutative Properties in Algebra
This tutorial delves into two fundamental concepts in algebra: the closure and commutative properties. These properties are essential building blocks in mathematics, forming the basis for various operations and equations. This video is designed to help students, educators, and anyone interested in deepening their understanding of algebraic principles. The closure property refers to the characteristic of a set that remains within the same set when an operation is performed on any two elements. We begin by exploring what this means in the context of different mathematical operations like addition, subtraction, multiplication, and division, providing clear examples for each. Next, the video shifts focus to the commutative property, which states that the order in which two numbers are added or multiplied does not affect the result. We demonstrate this property with numerous examples, showing its application in practical math problems. Throughout the tutorial, we emphasize how these properties are utilized in solving algebraic problems, ensuring viewers understand their application in real-world scenarios. This video is a valuable resource for reinforcing the fundamental concepts of algebra and enhancing problem-solving skills. Join us to gain a comprehensive understanding of the closure and commutative properties in mathematics. More Lessons: http://www.MathAndScience.com Twitter: https://twitter.com/JasonGibsonMath
1/17/2024 2:11:48 PM
What a $400,000 House in Tokyo Japan will Get You
Get 10% off with my link on Squarespace - https://squarespace.com/paolofromtokyo This is a Japanese Home Tour of a $400,000 house in Tokyo. This 60,000,000 JPY House tour is pre-renovation so it may look a bit rough. It's a 160 square meters, 44 year old, 4LDK house with 2 garages and a backyard sitting on 181 square meters of land. So in Japan, housing properties are evaluated based on the land value plus the building value. In Tokyo, the average land value is about 1.2M yen 8110 USD per square meter, while in this area, on the outskirts, it averages about 330,000 yen / 2230 USD per square meters, which would value this house’s land at around 400,000 dollars. But since this house was built in 1980, has been poorly maintained, left un-renovated with no one living here for 3 years, the house value in Japan is considered close to zero. Therefore, a total valuation of 400,000 USD. This Tokyo house is a 12 minute walk away from Komae train station, which has many shops and cool restaurants and of course a supermarket. Also, about a 20 mins train ride from Shinjuku station, this area has a down to earth relaxing vibe and my favorite 3 breweries in the area with one just across the street. Real Estate Friend's Website - https://www.jinshomes.com/ Get my Paolo fromTOKYO Premium Kaminari Hot Sauce - https://paolofromtokyohotsauce.com Get my Tokyo & Japan Merch and show your support! - https://www.tokyozebra.com/mrch ___ Tokyo Zebra: My 2nd YouTube Channel ___ See My Life in Japan behind the scenes - https://www.youtube.com/tokyozebra Questions about Japan or Japan Travel? Get answers and chat with my Discord Community - https://paolofrom.tokyo/discord ___ Channel Support ___ Want to help SUPPORT my channel, buy me a BEER or Maiko and I DINNER? Thank you in advance! - PayPal: https://www.paypal.me/paolofromtokyo - Venmo: PaolofromTokyo (venmo.com/paolofromtokyo) - Patreon: https://www.patreon.com/paolofromtokyo - Bitcoin: 1AUZW1Emio4qtRiBir3EUDey1zi3ssoRsw Join YouTube Channel Memberships - https://www.youtube.com/paolofromtokyo/join - Merch Store: https://tokyozebra.com/mrch ___ Help with Subtitles / Closed Captioning ___ - https://paolofrom.tokyo/cc ___ Business ___ Want me to feature your business in my video? [email protected] Want to send me stuff? For ADDRESS - https://www.tokyozebra.com/address ___ For more info about me ___ I'm from TOKYO JAPAN, I've been living here for a long time. I'll be your Tokyo Travel Guide, taking you to the spots I love as well as showing you what to do all around Japan and maybe sometimes overseas. I'm also into Tech so you'll see a few videos about my drone and other cool toys I discover. In short, the channel is all about what I Love, Japan, Food, Travel, Tech and most likely coming FROM-TOKYO, my home. - Website https://www.tokyozebra.com/about - Instagram: @paolofromtokyo - https://instagram.com/paolofromtokyo @tokyo.zebra - https://instagram.com/tokyo.zebra - Facebook: https://www.facebook.com/paolofromtokyoofficial - Twitter: https://twitter.com/paolofromtokyo ___ My Film Gear ___ (Affiliate Links Used - I may receive commission from products purchased) - Main Camera (USA Link) https://amzn.to/2GlSvyy (International) http://geni.us/pyBIG7S - Main Wide Lens (USA Link) https://amzn.to/2o5B00B (International) https://geni.us/DDbpW - Powered Mic (USA Link) https://amzn.to/2B7HnUM (International) http://geni.us/ZaFl4a - Mic (USA Link) https://amzn.to/30VtlPV (International) https://geni.us/lVurdzT - Portable TriPod (USA Link) https://amzn.to/2LKhM6e (International) http://geni.us/DfeI - Gimbal (USA Link) https://amzn.to/2PYmjYA (International) https://geni.us/amgYR3 - Drone (Original) (USA Link) https://amzn.to/2K6qrAW (International) http://geni.us/UFAFl3c - For a complete list of my gear: https://www.tokyozebra.com/my-gear/ Access to Music in video: http://share.epidemicsound.com/zsbS8
3/15/2024 11:59:00 PM
The 5 WORST Purchases I Made In My 20’s
Here are 5 dumb purchases I made in my 20s, how they happened, and a learning lesson from each one. I hope that this ultimately saves you money in the long run if you are aware of these while living through the decade of your 20's. Check out my free newsletter, 🐪 Hump Days ➭ https://humpdays.substack.com FREE STOCKS: 🏆 Webull USA: https://a.webull.com/i/HumphreyYang 🏆 Webull UK: https://www.webull-uk.com/i/humphreyUK 📈 MooMoo: Click this link to get up to 15 free stocks when you make a qualified deposit Terms & Conditions Apply: https://j.moomoo.com/00iNNL 💾 Coinbase: Get up to $200 for Getting Started ➭ https://coinbase-consumer.sjv.io/QOA326 🎓 Public: https://www.pqr3ntrk.com/6QFBWN/J8P3N/ to get $10 worth of free Stocks 💸 SoFi Checking & Savings: https://sofi.com/humphrey Get up to 4.40% APY, pay no account fees and earn $250 when you sign up and set up direct deposit. Terms apply. 👾 Join our free Discord Community: https://discord.gg/humphrey Coinbase New User Incentive is a limited time offer. Offer available to new users only. Terms apply. See for details: https://help.coinbase.com/en/coinbase RESOURCES: 💵 Free Templates: https://beacons.ai/humphreytalks/freedownloads 🐪 Hump Days Newsletter ➭ https://humpdays.substack.com ▶️ See What I Invest In ➭ https://patreon.com/humphreytalks 💳 My Favorite Credit Cards ➭ https://cardonomics.com/i/humphrey 👾 Discord Community: https://discord.gg/r9UbduW4zU MY SOCIALS: Secret Channel -- https://youtube.com/@hug Instagram -- https://instagram.com/humphreytalks Twitter -- https://twitter.com/humphreytalks TikTok -- https://tiktok.com/@humphreytalks Rickie (Editor) ➭ https://instagram.com/coldgamerick WHO AM I? Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth. PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel! ⏱️ Timestamps: 0:00 - Start Here 0:42 - $5500 Slots App 5:08 - Overinvesting in Hobbies 7:40 - $2.5k Poker Book 11:31 - $1000 Tuxedo 13:06 - AirBnBs on A Solo Trip
4/22/2024 6:00:14 PM
Driving Porsches from $3,000 to $3,000,000
Take your personal data back with Incogni! Use code DONUT at the link below and get 60% off an annual plan http://incogni.com/donut We drove Porsches at EVERY price, from a $3,000 project all the way up to a $3,000,000 hypercar, and everything in between! Special thanks to everyone who lent us their Porsche: $3,000 928 S -- @944driver $25,000 Carrera -- @dandickheiser $100,000 277 911 -- @MagnusWalkerUrbanOutlaw $200,00 997.2 GT3 RS -- @vin_tra $300,000 Dakar 911 -- @Porsche $1,000,000 Gunther Werks 993 -- @berify.io $3,000,000 918 Spyder -- @porschesantaclarita Donut = We like cars, and we like making videos about cars. Hopefully our videos make you like cars too. Subscribe for +50hp Notification bell for +100hp Get a Donut shirt ►http://www.donut.media/ We have podcasts, too! Past Gas, the #1 automotive podcast in the world ►http://bit.ly/PastGas The Big Three, our weekly car news show ► https://bit.ly/TheBigThreePodcast Donut Podcasts YouTube ►https://www.youtube.com/donutpodcasts Join the Donut Underground: https://www.youtube.com/channel/UCL6JmiMXKoXS6bpP1D3bk8g/join Like working on vehicles? Subscribe to Real Mechanic Stuff! https://www.youtube.com/@realmechanicstuff Also our instagram has good memes: https://instagram.com/donutmedia/
3/18/2024 3:00:51 PM
10 Steps To Save Your First $1,000 ASAP
Download my FREE eBook - How To Build Wealth As An Investor: https://briefs.co/yt/build-wealth ✅ Check out my products: 1. Market Briefs - Get my free financial newsletter for investors: https://briefs.co/market/jaspreet 2. Free eBook & Academy Briefs - Get my ebook, How To Build Wealth As An Investor here: https://briefs.co/yt/build-wealth 3. Business Accounting - Does your business do over $250k/year? If yes, get a free consultation on how to lower your tax liability: https://theminoritymindset.com/yt/accounting Recommended: Your 2024 Plan To Become A Millionaire: https://youtu.be/ZtPCA5_OvWA What Is The Minority Mindset? "The Minority Mindset has nothing to do with the way you look. It's the mindset of thinking differently than the majority of people" ~Jaspreet Singh AKA The Minority Mindset #MinorityMindset #JaspreetSingh My recommended tools! Please note: Although these are our sponsors & advertisers, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. However, you should always do your own research & never blindly listen to a random guy on YouTube. ---------- ➤ Real Estate Investing Online 1) 🏠 Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/yt/fundrise ---------- ➤ Life Insurance 2) 🛡 Policygenius - Get a free life insurance quote: https://theminoritymindset.com/yt/policygenius-life ---------- ➤ Buy Gold Passively 3) 👑 Vaulted - Buy physical gold on autopilot: https://theminoritymindset.com/yt/vaulted ---------- ➤ Business Accounting And Taxes 4) 👑 CommonWealth - My partner accounting firm for businesses making $250k+ a year. https://theminoritymindset.com/yt/accounting ---------- Follow me: Instagram: https://www.Instagram.com/MinorityMindset Website: https://www.TheMinorityMindset.com Want More? 🥑🥑 Check out these channels! Minority Mindset Clips: https://www.youtube.com/minoritymindsetclips Minority Mindset En Español: https://www.youtube.com/minoritymindsetenespanol Video host: Jaspreet Singh DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you. DISCLAIMER CONT'D: I'm just a random guy on YouTube so do your own research! Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but is he is not providing you with legal advice in these videos. This video, the topics discussed, and ideas presented are Jaspreet's opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.
12/25/2023 12:30:06 PM
Behind the Counter at a Japanese Onigiri Shop w/ +50 kinds of rice balls
Use my code PAOLO to get $15 off your first Bokksu Japanese snack box! https://partner.bokksu.com/paolo Japanese Onigiri Rice Balls made at this Tokyo hidden gem shop in Jujo Ginza. Today I’m taking you behind the counter for a Tokyo food tour at my favorite speciality onigiri, Japanese Rice ball shops in Tokyo, Kamataya. Hidden behind the Jujo Ginza Shotengai on a side street, about a 5 minutes walk from Jujo Ginza station, this onigiri lover’s paradise has been warming the heart’s of customers while also filling their stomachs with a unique variety of their culinary delights for over half a century. And of course, I’m going into their kitchen to show how it’s all made. To maintain the shop’s high quality standards, the shop carefully selects the best rice made in Japan each year to use in their onigiri, but with more than 800 rice cultivators in the country, it could be quite a task. I guess that what it takes make some the best onigiri in Japan. When Soeno san started, the shop wasn’t doing well, so he decided to add Shrimp Tempura Onigiri to their menu and it was a hit. Motivated by the success and his natural passion to create, he soon found himself in the onigiri business with an expansive menu of over 50 different types of onigiri even crafting seasonal items drawing inspiration from the season’s vegetables and proteins available on the market. All of this, motivated by his secret Joy in seeing his customer’s satisfied reactions. Kamataya Shop - https://goo.gl/maps/fFBC2JD8ofaUq41j8 - https://tabelog.com/tokyo/A1323/A132304/13008764/ Watch more of my Behind the Counter videos: - https://tokyozebra.com/btc Get my Tokyo & Japan Merch and show your support! - https://www.tokyozebra.com/mrch ___ Tokyo Zebra: My 2nd YouTube Channel ___ See My Life in Japan behind the scenes - https://www.youtube.com/tokyozebra Questions about Japan or Japan Travel? Get answers and chat with my Discord Community - https://paolofrom.tokyo/discord This video is sponsored by Bokksu ___ Channel Support ___ Want to help SUPPORT my channel, buy me a BEER or Maiko and I DINNER? Thank you in advance! - PayPal: https://www.paypal.me/paolofromtokyo - Venmo: PaolofromTokyo (venmo.com/paolofromtokyo) - Patreon: https://www.patreon.com/paolofromtokyo - Bitcoin: 1AUZW1Emio4qtRiBir3EUDey1zi3ssoRsw Join YouTube Channel Memberships - https://www.youtube.com/paolofromtokyo/join - Merch Store: https://tokyozebra.com/mrch ___ Help with Subtitles / Closed Captioning ___ - https://paolofrom.tokyo/cc ___ Business ___ Want me to feature your business in my video? [email protected] Want to send me stuff? For ADDRESS - https://www.tokyozebra.com/address ___ For more info about me ___ I'm from TOKYO JAPAN, I've been living here for a long time. I'll be your Tokyo Travel Guide, taking you to the spots I love as well as showing you what to do all around Japan and maybe sometimes overseas. I'm also into Tech so you'll see a few videos about my drone and other cool toys I discover. In short, the channel is all about what I Love, Japan, Food, Travel, Tech and most likely coming FROM-TOKYO, my home. - Website https://www.tokyozebra.com/about - Instagram: @paolofromtokyo - https://instagram.com/paolofromtokyo @tokyo.zebra - https://instagram.com/tokyo.zebra - Facebook: https://www.facebook.com/paolofromtokyoofficial - Twitter: https://twitter.com/paolofromtokyo ___ My Film Gear ___ (Affiliate Links Used - I may receive commission from products purchased) - Main Camera (USA Link) https://amzn.to/2GlSvyy (International) http://geni.us/pyBIG7S - Main Wide Lens (USA Link) https://amzn.to/2o5B00B (International) https://geni.us/DDbpW - Powered Mic (USA Link) https://amzn.to/2B7HnUM (International) http://geni.us/ZaFl4a - Mic (USA Link) https://amzn.to/30VtlPV (International) https://geni.us/lVurdzT - Portable TriPod (USA Link) https://amzn.to/2LKhM6e (International) http://geni.us/DfeI - Gimbal (USA Link) https://amzn.to/2PYmjYA (International) https://geni.us/amgYR3 - Drone (Original) (USA Link) https://amzn.to/2K6qrAW (International) http://geni.us/UFAFl3c - For a complete list of my gear: https://www.tokyozebra.com/my-gear/ Access to Music in video: http://share.epidemicsound.com/zsbS8
6/9/2023 11:59:09 PM
How Much Is a Human Worth? (according to engineers)
A large part of engineering involves a tug-of-war between cost and safety. Comparing costs and safety is an enormous challenge. On one side, you have dollars, and on the other, you have people. Sometimes you need a conversion factor. It sounds morbid, but it’s necessary for good decision-making to put a dollar price on the value of a human life. Watch this video ad-free on Nebula: https://nebula.tv/videos/practical-engineering-why-theres-a-legal-price-for-a-human-life Signed copies of my book (plus other cool stuff) are available here: https://store.practical.engineering/ Practical Engineering is a YouTube channel about infrastructure and the human-made world around us. It is hosted, written, and produced by Grady Hillhouse. We have new videos posted regularly, so please subscribe for updates. If you enjoyed the video, hit that ‘like’ button, give us a comment, or watch another of our videos! CONNECT WITH ME ____________________________________ Website: http://practical.engineering Twitter: https://twitter.com/HillhouseGrady Instagram: https://www.instagram.com/practicalengineering Reddit: https://www.reddit.com/r/PracticalEngineering Facebook: https://www.facebook.com/PracticalEngineerGrady Patreon: http://patreon.com/PracticalEngineering SPONSORSHIP INQUIRIES ____________________________________ Please email my agent at [email protected] DISCLAIMER ____________________________________ This is not engineering advice. Everything here is for informational and entertainment purposes only. Contact an engineer licensed to practice in your area if you need professional advice or services. All non-licensed clips used for fair use commentary, criticism, and educational purposes. SPECIAL THANKS ____________________________________ This video is sponsored by Rocket Money. Stock video and imagery provided by Getty Images, Shutterstock, and Videoblocks. Music by Epidemic Sound: http://epidemicsound.com/creator Tonic and Energy by Elexive is licensed under a Creative Commons Attribution License Source: https://www.youtube.com/watch?v=U6fBPdu8w9U Video by Grady Hillhouse Edited by Wesley Crump Written and Produced by Ralph Crewe Graphics by Nebula Studios
10/17/2023 1:00:47 PM