Veeran explains his runway framework.

He explains why people who start investing late, need to invest 90% of your salary if you want to be financially free.

#savings #freedom #investing

source

How should you withdraw from retirement accounts when you have a pension?
The answer is far more nuanced than “Roth first” or “traditional first” and getting it wrong can quietly cost you hundreds of thousands of dollars in lifetime taxes.

In this video, I walk through a real retirement case study of a 55-year-old retired military individual with a $50,000 pension, $750,000 in Roth accounts, and $800,000 in traditional retirement accounts. Step by step, I explain the best-practice withdrawal strategy, how pensions change the tax picture, and why withdrawal order, Roth conversions, and Social Security timing are deeply connected.

We cover:
Roth vs traditional withdrawal strategy

How pensions permanently fill tax brackets

Why large traditional accounts can create future RMD and Medicare IRMAA problems

When the Rule of 55 helps — and when it doesn’t

Why Rule 72(t) often backfires

How your 60s are the most powerful years for Roth conversions

Why delaying Social Security can reduce lifetime taxes

If you’re nearing retirement, especially if you have a pension or significant retirement savings, this video will help you reduce taxes, preserve flexibility, and regain control over your retirement income plan.

00:00 Introduction: The Retirement Strategy Most People Get Wrong
00:59 The Case Study: A Real Retirement Scenario With a Pension
02:52 The Big Idea: Control Your Income, Taxes, and Timing
03:26 Step 1: What Your Pension Really Does (And What It Doesn’t)
04:40 Step 2: How to Protect Your Roth IRA Long-Term
05:49 Step 3: Using Your Traditional Account Slowly and Intentionally
08:26 Step 4: Why Age 55 Changes Your Early Retirement Strategy
11:06 Rule 72(t) Explained: When It Helps and When It Hurts
11:46 What Actually Matters Financially at Age 55
13:11 Step 5: Your Most Powerful Retirement Years — Your 60s
14:23 Why Delaying Social Security Is So Important in This Strategy
15:02 Why This Matters So Much (Especially for Single Retirees)
16:15 Step 6: Why Letting a Traditional IRA Grow Can Backfire
16:58 Step 7: What Retirement Looks Like When This Is Done Right

Some of my favorite books: https://amzn.to/3KF3tlr
Camera & equipment I use: https://amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

source

Wrapped XRP on Solana creates a powerful price flywheel through collateral demand and settlement mechanics. In this video, I explain how wrapped XRP works, why XRP being used as collateral on other chains matters, and how value flows back to the XRPL creating upward price pressure.

TIMESTAMPS

0:00 Intro
0:27 What is wrapped XRP and how does it work?
1:25 Why Solana matters for wrapped XRP
2:01 Collateral is more important than trading
2:58 Settlement always flows back to the XRPL
3:42 The XRP price flywheel explained
5:40 Why XRP is different from other bridged tokens
6:32 One asset settling for all chains

#xrp #ripple

source

What would I do if I had to start over, with $0 in savings, no investments, and no financial cushion? In this video, I’m walking you through the exact money plan I’d follow to rebuild my finances from scratch. Whether you’re starting over after a setback or just beginning your financial journey, this step-by-step plan will help you move from survival mode to stability—and then to success.

👋🏾 I’m Bola Sokunbi, founder of Clever Girl Finance, bestselling author of the Clever Girl Finance book series, Choosing To Prosper, and My Wealth Plan Workbook.

What you’ll learn in this video:
– How to assess your real financial starting point
– How to cut expenses and survive on the bare essentials
– Creative ways to generate fast cash flow
– How to build a starter emergency fund (even on a low income)
– A simple budget formula that actually works
– Choosing the best debt payoff method for your situation
– The importance of rest and celebrating small wins
AND MORE

💡 This is a realistic, actionable plan for anyone rebuilding from $0.
Start where you are. Use what you have. And take the next right step.

👇 What’s the first step you’re taking this month to rebuild your finances? Let me know in the comments!

#startingfromzero #financialreset #howtobuildwealth #budgetingtips #clevergirlfinance #personalfinanceforwomen #howtobudget #payoffdebt #investingforbeginners #financialfreedomjourney

❤ Subscribe to the weekly Clever Girl Finance Newsletter for financial motivation: https://clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages

❤ Schedule a 1-on-1 coaching call with team CGF: https://www.clevergirlfinance.com/coaching

❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog

❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

source

Try Higgfield AI: https://higgsfield.ai/cinema-studio?utm_source=wesroth
Create an account. See what you can direct.

The video where I show everything I’ve built in Clawdbot in the first 24 to 48 hours: https://youtu.be/P47qqILR6fA
______________________________________________
My Links 🔗
➡️ Twitter: https://x.com/WesRoth
➡️ AI Newsletter: https://natural20.beehiiv.com/subscribe

Want to work with me?
Brand, sponsorship & business inquiries: wesroth@smoothmedia.co

Check out my AI Podcast where me and Dylan interview AI experts:

______________________________________________

00:00 ClawdBot
01:32 Agent Village
03:45 The New Turing Test
05:10 Higgsfield AI (sponsor)
07:32 Can AI agents make money?
16:12 My eCom Store
18:16 AI Operated Businesses
21:46 My Plan

#ai #openai #llm

source

Welcome to Zach Rector’s channel!

iTrust Capital- https://www.itrustcapital.com/go/zach-rector

Legal & Estate Planning- https://calendly.com/new-client-specialists/15-minute-interview-affiliate?a1=Rector&month=2025-12

Are you ready to take advantage of the greatest transfer of wealth in world history?
Join our community at http://www.ZachRector.com and discover how you can not only survive, but thrive in this exciting time.

XRP Family MERCH- https://zachrector.com/shop/

Patreon/Discord Private Community- https://www.patreon.com/zachrector

Buy XRP & Trade Crypto-
Caleb & Brown- https://www.calebandbrown.com/affiliates/zach-rector/
Uphold- https://wallet.uphold.com/signup?referral=7ae0597d45
Coinbase- https://coinbase.com/join/PJCHZE2?src=ios-link
Coinbase Advanced Trading- https://advanced.coinbase.com/join/XXTYJ2Z

First Ledger- https://firstledger.net/?ref=DO9SdgMahaeK

Send XRP Tips & NFTs- r41a9RBNQYVx1XowGUUNEbJxKdKnMpHQEo

Precious Metals- https://zachrector.com/gold-and-silver/

Book 1 on 1 Call with Zach- https://calendly.com/zachrector/30min?month=2024-09

Crypto Wallets-
Ellipal- https://www.ellipal.com/?rfsn=6318619.6c7e7c
DCent Wallet- https://store.dcentwallet.com/products/biometric-wallet-affiliates?bg_ref=qBGObYeQ71
Trezor- https://trezor.io/trezor-model-t?transaction_id=102790791fb667a080e84dbbf37fc1&offer_id=134&affiliate_id=10442

Follow us on social media for the latest updates on:
Twitter (https://www.twitter.com/ZachRector7),
Rumble (https://www.rumble.com/user/zachrector7),
YouTube (https://www.youtube.com/user/Rector94),
TikTok (https://www.tiktok.com/@ZachRector7).

Thank you for joining us on this journey to financial freedom!

#xrp #ripple #xlm #stellar #xdc #buyback
#CryptocurrencyExchange #CryptocurrencyWallet #CryptocurrencyMarketNews #AltcoinInvesting #BlockchainTechnology #CryptocurrencyRegulations #HODL
#trading #investing #altcoins #crypto #blockchain #cryptocurrency #bitcoin

source

From January 2008, Steve Kroft’s look at the U.S. sub-prime mortgage meltdown. From October 2008, Kroft’s report on the financial instruments that helped to create the economic crisis. Also from October 2008, Kroft’s story on credit default swaps and their role in the unfolding financial crisis. From March 2010, Kroft’s interview with Michael Lewis about “The Big Short,” the financial crisis and those who profited from it. From April 2012, Kroft’s interview with an attorney who investigated the financial collapse of Lehman Brothers. From October 2008, Lesley Stahl’s talk with bankers about how the U.S. government intervened to help some of the largest banks in the country. From March 2009, Scott Pelley’s chat with FDIC agents who reveal what happens to your money when your bank fails. From January 2009, Pelley’s visit to Wilmington, Ohio, to examine how the economic crisis is hitting people in the Midwest. And from October 2010, Pelley’s visit to Newton, Iowa, to look at the effects of the recession.

0:00 Intro
0:11 House of Cards
15:48 Wall Street’s Shadow Market
28:05 Financial Weapons of Mass Destruction
40:22 Inside the Collapse (Part 1)
56:09 Inside the Collapse (Part 2)
1:04:15 Lehman Brothers
1:17:39 Bank of America
1:29:45 Your Bank Has Failed
1:42:59 Winter of our Hardship
1:56:21 Anger in the Land

“60 Minutes” is the most successful television broadcast in history. Offering hard-hitting investigative reports, interviews, feature segments and profiles of people in the news, the broadcast began in 1968 and is still a hit, over 50 seasons later, regularly making Nielsen’s Top 10.

Subscribe to the “60 Minutes” YouTube channel: https://youtube.com/60minutes
Watch full episodes: https://cbsnews.com/60-minutes/full-episodes/
Get more “60 Minutes” from “60 Minutes: Overtime”: https://cbsnews.com/60-minutes/overtime/
Follow “60 Minutes” on Instagram: https://instagram.com/60minutes/
Like “60 Minutes” on Facebook: https://facebook.com/60minutes
Follow “60 Minutes” on X: https://twitter.com/60Minutes
Subscribe to our newsletter: https://cbsnews.com/newsletters/
Download the CBS News app: https://cbsnews.com/mobile/
Try Paramount+ free: https://paramountplus.com/?ftag=PPM-05-10aeh8h

For video licensing inquiries, contact: licensing@veritone.com

source

About 14% of American households make $200,000 or more every year, according to the U.S. Census. But many of them, dubbed “HENRYs,” or High Earners, Not Rich Yet, still don’t feel rich. More than 60% of people with salaries over $300k a year struggle with credit card debt. These figures could be signs of the inescapable nature of lifestyle creep, which is the phenomenon of unconsciously spending more as a person earns more. Watch the video above to learn how those spending habits can leave even high earners feeling like they’re on a never-ending hamster wheel.

0:41: Correction – This video has been updated to reflect that about 14% of U.S. households earn $200,000 or more annually, according to the U.S. Census.

Chapters:
0:00 Introduction
1:52 Getting on the hamster wheel
4:08 Why high earners don’t feel rich
8:35 Getting off the hamster wheel

Produced, Shot and Edited by: Charlotte Morabito
Additional Camera: Kaan Oguz
Animation: Emily Park, Jason Reginato
Intern: Kae Park
Senior Director of Video: Lindsey Jacobson
Additional Footage: Getty Images, Marie Incontrera

» Subscribe to CNBC: https://cnb.cx/SubscribeCNBC
» Subscribe to CNBC TV: https://cnb.cx/SubscribeCNBCtelevision
» Watch CNBC on the go with CNBC+: https://www.cnbc.com/WatchCNBCPlus

About CNBC: From ‘Wall Street’ to ‘Main Street’ to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more.

Want to stand out, grow your network, and get more job opportunities? Sign up for Smarter by CNBC Make It’s new online course, How to Build a Standout Personal Brand: Online, In Person, and At Work. Sign up today with coupon code EARLYBIRD for an introductory discount of 30% off the regular course price of $67 (plus tax). Offer valid through September 2, 2025: https://cnb.cx/4nUBgbA

Connect with CNBC News Online
Get the latest news: https://www.cnbc.com/
Follow CNBC on LinkedIn: https://cnb.cx/LinkedInCNBC
Follow CNBC News on Instagram: https://cnb.cx/InstagramCNBC
Follow CNBC News on Facebook: https://cnb.cx/LikeCNBC
Follow CNBC on Threads: https://cnb.cx/threads
Follow CNBC News on X: https://cnb.cx/FollowCNBC
Follow CNBC on WhatsApp: https://cnb.cx/WhatsAppCNBC

#CNBC

Why Even High Earners Are Living Paycheck To Paycheck

source

In recent years, institutions have gone all in on Bitcoin. At first glance, this seems like great news. After all, these players have some of the deepest pockets in the world, and their capital pouring into crypto provides a huge boost for BTC’s price.

But there’s a catch: the sheer amount of BTC they now hold. Institutional investors have quietly been accumulating Bitcoin in massive quantities – and now, these whales hold over 20% of Bitcoin’s total supply.

This has investors everywhere asking the tough questions. What happens if these mega-whales suddenly stop buying – or worse, start selling? And, what does this wave of institutionalization mean for Bitcoin’s long-term future? Today, we find out.

~~~~~

🛒 Get The Hottest Crypto Deals 👉 https://www.coinbureau.com/deals/
♣️ Join The Coin Bureau Club 👉 https://hub.coinbureau.com/
📱 Coin Bureau Telegram 👉 https://go.coinbureau.com/yt-telegram
💥 Coin Bureau Discord 👉 https://go.coinbureau.com/cb-discord
📲 Insider Info in our Socials 👉 https://www.coinbureau.com/socials/
👕 Best Crypto Merch 👉 https://store.coinbureau.com
🔥 TOP Crypto TIPS In our Newsletter 👉 https://www.coinbureau.com/newsletters/
💸 Coin Bureau Finance Channel 👉 https://www.youtube.com/@CoinBureauFinance
⭐ More Coin Bureau Channel 👉 https://www.youtube.com/@morecoinbureau
📈 Coin Bureau Trading Channel 👉 https://www.youtube.com/@CoinBureauTrading

~~~~~

🔥OUR BRAND PARTNERS🔥

📈Bitget up to 50K USDT Deposit Bonus & GetAgent Plus Trial (Exclusive AI-powered Trading Assistant) 👉 https://go.coinbureau.com/bitget-getagent
📊Join Toobit for 100K USDT Bonus and 50% Lifetime Fee Discount 👉https://www.toobit.pro/t/coinbureau
🔒Get 10% Off Your Tangem Wallet 👉 https://go.coinbureau.com/tangem10

~~~~~

📺Essential Videos📺

Coinbase + Glassnode Report 👉 https://www.youtube.com/watch?v=R0DMRHH4PcY
2026 Portfolio 👉 https://youtu.be/_qVWp3C0D2g
What If ETH Goes To Zero 👉 https://youtu.be/8k5lK5Q96r0

~~~~~

⛓️ 🔗 Useful Links 🔗 ⛓️

► Bitcoin’s Institutional Adoption Paradox: https://www.bitcoinmagazinepro.com/bitcoin-research/bitcoins-institutional-adoption-paradox/
► Bitcoin Treasury Tracker: https://bitcointreasuries.net/
► Wall Street Buying: https://cryptoslate.com/why-wall-street-refuses-to-sell-bitcoin-and-actually-bought-way-more-even-while-losing-25-of-its-value/
► Institutions Hold 20$ of BTC’s Supply: https://www.newsbtc.com/news/bitcoin/institutional-bitcoin-holdings-near-20-of-supply-wall-streets-new-playground/

~~~~~

– TIMESTAMPS –

0:00 Intro
1:15 Bitcoin’s Original Vision
6:07 Wall Street’s BTC Accumulation
9:52 How Much BTC Has Been Sold
14:13 Is This A Threat To Bitcoin’s Security?
18:03 What This Means For BTC’s Long Term Price Action

~~~~~

📜 Disclaimer 📜

The information contained herein is for informational purposes only. Nothing herein shall be construed to be financial legal or tax advice. The content of this video is solely the opinions of the speaker who is not a licensed financial advisor or registered investment advisor. Trading cryptocurrencies poses considerable risk of loss. The speaker does not guarantee any particular outcome.

#bitcoin #btc #control #institutions

source

Why #dogecoin is Elon Musk´s favorite #cryptocurrency #elonmusk #tesla #investing

source