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How to Build a Financial Plan (By Age)

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How to Build a Financial Plan (By Age)



How should your financial plan evolve as you age? The Financial Order of Operations shows you what to do with your next dollar, but life insurance, estate planning, and tax strategy require a deeper framework. Financial Advisors, Brian Preston and Bo Hanson, walk through the six core areas of financial planning and reveal what to prioritize in your 20s, 30s, 40s, 50s, and beyond to build lasting wealth in 2026.

This episode covers estate planning, budgeting, tax planning, and risk management across every decade of your wealth-building journey. From understanding why your 20s are about building the foundation with emergency funds and term life insurance to discovering how tax planning in your 40s can significantly impact your retirement outcomes through decisions like Roth conversions, we break down the framework that can help you own your time and live your great big beautiful tomorrow.

Timestamps
0:00 Introduction – Building a Financial Plan
1:17 Your 20s – Building the Foundation
5:30 Risk Management in Your 20s
8:15 Investment Planning in Your 20s
11:55 Your 30s – The Messy Middle
13:33 Estate Planning in Your 30s
15:35 Risk Management in Your 30s
17:51 Investment and Tax Planning in Your 30s
21:12 Your 40s – Top of the Mountain
22:16 Tax Planning in Your 40s
27:06 Retirement Planning in Your 40s
30:46 Your 50s and Beyond
31:38 Estate Planning in Your 50s
33:53 Retirement Planning in Your 50s
35:25 Bringing It All Together

🔗 Financial Order of Operations → https://moneyguy.com/guide/foo/
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🔗 How Much Should You Save? → https://moneyguy.com/resource/how-much-to-save/
🔗 Become a Client → https://moneyguy.com/become-a-client/

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🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.

Jump start your journey with our FREE financial resources: https://moneyguy.com/resources/

Subscribe on YouTube for early access and go beyond the podcast: https://www.youtube.com/c/MoneyGuyShow?sub_confirmation=1

Connect with us on social media for more content: https://moneyguy.com/link-in-bio/

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Take the relationship to the next level and become a client: https://moneyguy.com/become-a-client/

#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom

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XRP Ripple Believe IT or NOT, XRP USE CASE ONLY FLARE Delivers, SBI LEADS with XRP CANTON SOLANA ETH

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XRP Ripple Believe IT or NOT, XRP USE CASE ONLY FLARE Delivers, SBI LEADS with XRP CANTON SOLANA ETH



#XRP #Ripplenet #Ripple #Blockchain #web3
Follow me on Twitter: @sentosumosaba
Patreon: https://www.patreon.com/cryptoeri
My Patreon is for people interested in additional information and receiving exclusive commentary, group Zooms, meet-ups & videos.
I appreciate your support.

The Crypto Eri channel is a place to learn about the top-performing digital assets and to educate yourself about the new digital global economy, blockchain, DLT, AI, decentralized finance (loans, yield mining, lending), mobile payments, Web 3.0, the Metaverse, digital ID, tokenization, and other new and rapidly changing technological trends/and digital products that impact our world.

Because there is often an imposter in the comments that has taken my profile and name, comments will default to being uploaded shortly after being left to filter these bad actors. Sorry, many of us deal with these scammers who leave phone numbers and replies, which I would never do.

Thank you so much for watching.

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$30,000 XRP BUYBACK WON’T HAPPEN! – DTCC IS JUST ONE XRP SWITCH – BRAD SAYS IT ALL CONNECTS TO XRP!

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$30,000 XRP BUYBACK WON'T HAPPEN! - DTCC IS JUST ONE XRP SWITCH - BRAD SAYS IT ALL CONNECTS TO XRP!



$30,000 XRP BUYBACK WON’T HAPPEN! – DTCC IS JUST ONE XRP SWITCH – BRAD SAYS IT ALL CONNECTS TO XRP!

NEW OFFICIAL CSC CRYPTO SHOP IS HERE:
https://officialcryptoshop.com/

https://www.calebandbrown.com/affiliates/common-sense-crypto/

⭐ FOLLOW ME ON X – https://x.com/TheCSCrypto ⭐

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This video is about XRP. This video is about XRP and Ripple. Huge XRP update you need to see.
XRP Update, Ripple Update, Ripple XRP News: Latest News

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Hey, I am Rich from Common Sense Crypto, bring you crypto news & information regarding the cryptocurrency market. The content on my channel will focus on news, common sense, insights and overall guides regarding XRP, Bitcoin, Ethereum, HBAR, & various altcoins.

DISCLAIMER: I am not a financial adviser, & all information given in my videos or on my social media platforms is for entertainment purposes only and is not financial advice.

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#xrp #ripple #crypto

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Tom Lee: Bitcoin is Headed to $200,000 And It’s Happening NOW!

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Tom Lee: Bitcoin is Headed to $200,000 And It’s Happening NOW!



Tom Lee just dropped a bombshell! In this video, we break down why the Fundstrat chief strategist believes Bitcoin is primed for a massive rally to $200,000. We explore the “generational bull market,” the impact of AI on the economy, and why institutional investors are already positioned. Is this the last chance to get in before the next leg up? Watch to find out! With Anthony Pompliano
Thanks For Watching Our Video 🤗 Please, like, comment, subscribe, and ring the bell! EVERYTHING helps us grow!.
Subscribe to @The-BitcoinMacro for daily insights on the future of money.
CREDITS: CNBC Television
🔥 Watch The FULL Interview: https://www.youtube.com/watch?v=7Ke-ynAlNVQ
CREDITS: From The Desk Of Anthony Pompliano
🔥 Watch The FULL Interview: https://www.youtube.com/watch?v=ajhmtyO_IRE
👉 FINANCIAL DISCLAIMER This channel is intended to share tips and investment videos by experts. We DO NOT GIVE FINANCIAL ADVICE! Please consult a licensed financial advisor and do your own research before making any financial action.

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Where The Flip Are You People Spending Money?

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"Where The Flip Are You People Spending Money?"



“Where The Flip Are You People Spending Money?”
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. https://ter.li/5h1r0i

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HOLY CR*P XRP JUST GOT DOCUMENTED!!! (XRP EXPLOSION??)

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HOLY CR*P XRP JUST GOT DOCUMENTED!!! (XRP EXPLOSION??)



🚨 XRP Army — the receipts you’ve been asking for are HERE. An official Ripple Treasury Product Launch document (January 28, 2026) explicitly confirms what we’ve been saying for months: Ripple’s $1 BILLION GTreasury acquisition is DIRECTLY enhancing XRP’s utility.

The exact language from the document:
“Cross-border settlements via RLUSD on the XRP Ledger could drive significant transaction volume from Fortune 500 treasury operations… As enterprise adoption scales, the organic demand for XRP and RLUSD could increase meaningfully.”

That’s not a Crypto Twitter take. That’s literally documented in an institutional report.
And we now know WHY GTreasury picked Ripple over every other fintech option. GTreasury CEO Renaat Ver Eecke spelled out the six pillars in the Ripple Treasury webinar (@SMQKEDQG on X):
✅ Enterprise-Grade Blockchain (XRPL)
✅ Institutional-Grade Custody (Ripple Custody)
✅ Prime Brokerage (Ripple Prime via Hidden Road)
✅ Payments (ISO 20022 compliance, 90%+ of FX market)
✅ 75+ Global Licenses
✅ ~$90 BILLION on Ripple’s Balance Sheet

This is the institutional full-stack: RippleNet (payments) + Ripple Custody + Ripple National Trust Bank (conditionally approved) + RLUSD + Hidden Road (prime brokerage) + Ripple Treasury (corporate finance).

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The implications:
Bridges legacy treasury systems with blockchain — clients don’t even need to know they’re using crypto
Positions Ripple as end-to-end institutional infrastructure
Settlement in 3-5 SECONDS via RLUSD vs. 3-5 BUSINESS DAYS via traditional bank wires
Access to BlackRock’s BUIDL fund + tokenized money-market funds + 24/7 yield on idle cash
Future of corporate finance running on XRPL — with or without clients explicitly engaging with crypto
NFA — DYOR 👇

🔵 Uphold | Trade, Spend & Earn XRP
➖ US Website: https://uphold.sjv.io/US_CryptoSensei
➡️US Debit Card: https://uphold.sjv.io/CryptoSensei-DebitCard
➡️XRP Rewards: 4% Elite Card / 2% Virtual Card
➖ Global Website: https://uphold.sjv.io/Global_CryptoSensei
➖ Flexible & Boosted Staking: https://youtu.be/QxoR44MnK88?si=0zQKaEyM3eKVe4RH

✨Check out Nexo: Your Wealth Platform for Digital Assets
↪️https://nexo.sjv.io/CryptoSensei

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⭐Join my Community
➖ https://discord.gg/cryptonairz

🛡️Hardware Wallets I Use for XRP
D’CENT Biometric Wallets
Single Device – Save $40 ($159 → $119),
Biometric Wallet – Affiliates

Two-Pack – Save $129 ($318 → $189),
Biometric Wallet 2X Package – Affiliates

🔗Contact & Collaborations
▸ Collab & Partnerships: partnerships@cryptosensei.net
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

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⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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XRP ARMY IT’S FINALLY HERE!!!! WE’VE MADE IT

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XRP ARMY IT'S FINALLY HERE!!!! WE'VE MADE IT



🚨 XRP Army — the conversation at XRP Las Vegas 2026 was crystal clear, and it just changed the game. Hugo Philion (Flare CEO) on the Paul Barron Show: “What XRP holders are looking for at XRP Las Vegas? Safe. Secure. Yield.” And he laid out exactly how Flare delivers it (@FlareNetworks on X).

The Vegas yield stack:
Flare’s FAssets / FXRP: 132 million FXRP minted, 89% deployed in active DeFi protocols
$450 MILLION DeFi ecosystem built around XRP on Flare
Morpho integration (Feb 2026): lend FXRP, borrow stables, earn interest
earnXRP vault (Upshift + Clearstar + Flare): first XRP-denominated yield product
Firelight insurance protocol: XRP as collateral asset
Flare 2.0 coming later this year with new yield-bearing instruments
But here’s the BIGGEST signal — Evernorth CEO Asheesh Birla (XRPN/Nasdaq-bound) just confirmed Evernorth will explore TRADITIONAL yield methods on XRP alongside DeFi (@HugoPhilion on X).
“There is a traditional way to earn yield on XRP which we are going to explore… I’m excited about all the things that you mentioned — partnering and building together on XRP directly that provides more ecosystem value.”

This matters because institutions that won’t touch DeFi can now access XRP yield through traditional methods via Evernorth’s $1B+ treasury. That’s the institutional bridge.
Hugo Philion: “We are the largest DeFi ecosystem for XRP today. And the best.” Bonus from the interview — XRPL is now #2 or #3 for total RWAs (passed Solana).
The XRP yield era is officially here. NFA — DYOR 👇

🔵 Uphold | Trade, Spend & Earn XRP
➖ US Website: https://uphold.sjv.io/US_CryptoSensei
➡️US Debit Card: https://uphold.sjv.io/CryptoSensei-DebitCard
➡️XRP Rewards: 4% Elite Card / 2% Virtual Card
➖ Global Website: https://uphold.sjv.io/Global_CryptoSensei
➖ Flexible & Boosted Staking: https://youtu.be/QxoR44MnK88?si=0zQKaEyM3eKVe4RH

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✨Check out Nexo: Your Wealth Platform for Digital Assets
↪️https://nexo.sjv.io/CryptoSensei

⚡UpTrade | Professional Crypto Brokerage with white-glove service.
Sign up: https://uptrade.co/ref/crypto-sensei
Lifetime 45% discount on trading fees with priority same day onboarding
Complimentary Portfolio Assessment (valued at $2,500 USD)

⭐Join my Community
➖ https://discord.gg/cryptonairz

🛡️Hardware Wallets I Use for XRP
D’CENT Biometric Wallets
Single Device – Save $40 ($159 → $119),
Biometric Wallet – Affiliates

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Two-Pack – Save $129 ($318 → $189),
Biometric Wallet 2X Package – Affiliates

🔗Contact & Collaborations
▸ Collab & Partnerships: partnerships@cryptosensei.net
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

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🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #XRPYield #Flare #Evernorth #FAssets #FXRP #XRPL #CryptoSensei #Cryptonairz

#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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XRP: Odds Just Went Through The Roof

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XRP: Odds Just Went Through The Roof



Follow me on X: @moonlamboio

⚠️ DISCLAIMER: I am not a financial adviser. None of what I have communicated verbally or in writing here should be considered financial advice; it is not. Do your own research before investing in any asset or market, and understand that investing — including in cryptocurrency — carries risk. If you do, you need to be prepared to lose your entire investment.

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The Lowest IQ In Financial Audit History

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The Lowest IQ In Financial Audit History



*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don’t be dumb, deal won’t last long: https://go.dollarwise.com/sun

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=============================
*Chapters*
=============================
00:00 Intro
01:50 Valid Question tbh
03:20 Oh Hes Chronically Online
04:30 80% FOR A COOK??
09:14 Bros Hitting The Trifecta Of Being A Loser lol
15:50 Hes Trying To Get A Promotion On His Disability…
19:00 VA Disability But Wants To Leave America LOL
25:00 Incel Behavior 101
29:00 Thats WILD To Say
30:45 I Love American Education
34:30 He Wants Foreign Women WHILE Having A Girlfriend
40:30 HE DOES NOTHING ALL DAY???
46:00 Where Did We Find This Guy lol
55:00 Conveniently Didn’t Mention He Was Discharged…
58:30 Casting Has Outdone Themselves lol
01:09:30 Bro Cant Even Afford To Leave The US…
01:20:00 He WILL Be Homeless
01:25:00 Bros Getting Cooked lol
01:30:00 Hammer Financial Score
=============================
Want more content?
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👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

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*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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BITCOIN $80K PUMP, THEN DUMP WARNING (My Plan)!!! – Bitcoin News Today, Ethereum & Altcoins

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BITCOIN $80K PUMP, THEN DUMP WARNING (My Plan)!!! - Bitcoin News Today, Ethereum & Altcoins



BITCOIN $80K PUMP, THEN DUMP WARNING (My Plan)!!! – Bitcoin News Today, Ethereum & Altcoins
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💬 *My Official Social Media:*
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▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Timestamps:
Bitcoin Price Analysis! 0:00
Bitcoin Dominance! 8:58
Ethereum Price Analysis! 10:25
XRP Price Analysis! 11:33
Solana Price Analysis! 13:01
Chainlink Price Analysis! 14:21

#Bitcoin​ #BTC #BitcoinPrice #Ethereum​ #ETH #Chainlink​ #CryptoWorld #Solana #SOL #Cryptocurrency​ #Invest​ #Crypto​ #TheFed​ #News​ #marketanalysis​ #entrepreneur​ #business​ #success​ #investment​ #finance​ #bitcoins​ #StockMarket​ #BestCryptocurrency​​ #AltcoinSeason #AltSeason #XRP #XRPnews #XRPripple #XRPcoin #XRParmy #XRPupdate #XRPcommunity #LINK #ChainlinkCrypto #AltcoinCrash

*DISCLAIMER*
The information presented in this video is for educational and entertainment purposes only and is not financial advice. I am not a financial advisor. Trading can result in loss of funds. Individuals must consider all risk factors including their own personal financial situation before trading. All individuals are responsible for their own trades and investments. Crypto World, “Josh” and affiliates are not responsible for individual loss due to poor trading decisions or any other actions which may lead to loss of funds.

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This information is what was found publicly on the internet. This information could’ve been doctored or misrepresented by the internet. All information is meant for public awareness and is public domain. This information is not intended to slander harm or defame any of the actors involved but to show what was said through their social media accounts. Please take this information and do your own research.

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– Crypto World –

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Jake Claver Just Dropped The BIGGEST XRP Bomb Of 2026!

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Jake Claver Just Dropped The BIGGEST XRP Bomb Of 2026!



Jake Claver just said something at the Bitcoin Conference 2026 that cuts through the most important misconception currently driving frustration in the XRP community. Asked directly about the CLARITY Act — how important it is and what happens if it doesn’t pass — Claver said on the record: he does not think XRP needs an act of Congress to experience significant price appreciation. His reasoning connects to a macro framework he has been documenting for months that most of the XRP conversation is missing entirely. Tonight we walk through exactly what he said, the reverse carry trade thesis he has been building, and what the documented evidence says about where XRP goes from here.

Macro storms pass. Infrastructure lasts. See you on the other side.

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⚖️ Financial Disclaimer: This content is for educational and informational purposes only. Nothing here is financial, investment, or legal advice. All investments involve risk, including potential loss of capital. Always do your own research and consult a licensed financial professional before making decisions.

#XRP #Ripple #XRPArmy #CryptoNews #RippleNews

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