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Send us Fan Mail Season 3. Episode #23. Not Me, But You! Podcast.  Follow me/connect with me on X at: Waypa Today. I offer 1:1/small group coaching. I have an eduation backgroun unlike most self proclaimed "gurus" online. Email me at WaypaToday@gmail. com. I offer a FREE 20 minute Zoom call to see if working together makes sense for all of us.  I offer additional thoughts/perspective on Telsa and why this is ONE of two stocks that I continue to accumulate for LONG term growth. If you want to become wealthy in the next 8 to 10 years...then I suggest doing your own research on this stock.  At UNDER $400/share, it's a great time to accumulate. Some barriers are actual barriers we encounter. Many times barriers are PERCEIVED barriers that we believe are real but really are not keeping us from success.  I like talking about "situations" and that is PART of my teaching style. This same approach (using situations) is used by professional coaches!  Tesla is MORE than just an electric car company. Let's do simple math...12 shares at $340/share = $4,080 invested into Tesla. What will the 12 shares be worth 8 to 10 years from now? Answer: PROJECTED to be worth $96,000!  If you could accumualte 50 shares. 50 X $340/share = $17,000. What is your $17K worth in 6 to 10 years? Answer: PROJECTED to be worth $400,000!  Tesla does NOT pay a dividend. Instead this is a long term buy/hold GROWTH play. What IF you could buy/hold dividend producing assets and then USE the dividends to buy Tesla shares??!! This is an example of the "cascading waterfall" approach to investing.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #Tesla, #Bitcoin, #MSTY, #ULTY, #Dividends, #Wealth, #Roth, #IRA, #Taxes, #Roth Conversion, #Opportunity, #SPYI, #QQQI, #STRC, #Teaching, #Education, #Passion I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #22. Not Me, But You! Podcast.  Follow me/connect with me on X at: Waypa Today. You can also email me at: [email protected]. I offer 1:1/small group coaching. But my schedule is very full right now. So there is a wait list. Email me to arrange a FREE 20 minute Zoom call to see if it makes sense for us to work together.  The price of oil per barrel FELL. The stock market liked the news of  "2 week ceasefire  in the war in Iran!" Bitcoin jumped up in the same day from $68K to $72K!  I discuss SPECIFIC investments/assets that anyone can do their own research and then choose to buy/hold!  "There is NO speed limit on the highway to success. You can fast. Or you can go slow. The choice is yours!"  We can utilize the "cascading waterfall" approach to investing and EASILY build dividend income of $1,000 to $2,000 PER MONTH!  A very SMALL percentage of people retire with $1,000 to $2,000 per month of dividend income NOT including pension checks/social security monthly checks!  Have courage today, to pick one thing, and work on your dreams! We will talk again soon.  #PLTR, #MSTY, #ULTY, #ICOI, #Bitcoin, #Tesla, #MSTR, #Income, #Wealth, #Dividends, #Yield, #STRC, #SPYI, #QQQI, #CLM, #CRF, #Options, #Pension, #Social Security, #Portfolio I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #21. Not Me, But You! Podcast.  Happy Easter April 2026!   At this time of year that often centers around themes such as: Joy, Hope, Renewal and Resurrection.  90 plus countries around the globe celebrate Easter. What you believe is your personal choice. I am not here to convince you that my way of thinking about Easter is correct. I am grateful at this time of year and I choose to celebrate.  I wish you health and wealth and happiness and peace.  Have courage today to pick one thing, and work on your dreams. We will talk again soon.  #Easter, #2026, #Jesus, #God, #Religion, #Investing, #Wealth, #Bitcoin, #Income, #Simplicity  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #20. Not Me, But You! Podcast.  Connect with me/follow me on X at: Waypa Today. Email me at [email protected]. Email me if you're interested in 1:1/small group coaching.  I discuss share price and yield and what targets I look for when considering an asset to buy. What do wealthy people do? Answer: They buy/hold assets that pay them income!  ICOI is high yield/high risk. But we can take dividend payouts and use that money to purchase LESS risky assets like STRC.  Most people who invest in traditional "dividend" assets need to accumualte $400,000 in order to make $2,000/month. But IF you are willing to invest in HIGHER RISK assets, then you need a much smaller pile of money to get the same results! I discuss specific numbers and assets in this episode.  Once you reach $2,000/month of dividend income, you are in an elite group of people who have achieved this goal.  In this episode I also reveal a BONUS asset I have not mentioned previously that I'm considering investing in. And I explain why and what the investing numbers of this asset mean.  Our money is just like our time in that we can only spend either one once! Once we spend time or money, it's gone forever.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #360%, #11%, #wealth, #investing, #income, #BTC, #Bitcoin, #ICOI, #STRC, #Cash, #Yield, #$2,000/month #portfolio, #SCHD I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #19. Not Me, But You! Podcast.  Follow me/connect with me on X at: Waypa Today. You can email me at [email protected]. I offere 1:1/small group coaching. Email me to set up a FREE 20 minute phone call to see if working togther makes sense.  In this episode I discuss HOW to build your financial pipeline. I name specific assets that I believe will help me grow my portfolio and increase overall wealth.  I also discuss perspective and how our perspective affects our investing. Patience is probably the most important personality trait to develop as an investor.  I use examples of the classic hot dog commercial, Oscar Meyer from the 1960's. And I also discuss the Marvel movie, Dr Strange! And I explain how these two things related to personal investing!  Have courage today, to pick one thing, and work on your dreams!  #wealth, #planning, #growth, #stocks, #Telsa, #MSTR, #Bitcoin, #dividends, #strategy, #investing, #MSTR, #ULTY, #CLM, #SPYI, #QQQI, #STRC, #Oscar Meyer, #Marketing, #IRA, #Goals, #Dr Strange, #Yield, #Interest rates, #education, #indoctrination.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #18. Not Me, But You! Podcast.  Follow me/Connect with me on X at:  Waypa Today. I offer 1:1/small group coaching. To set up a FREE 15 to 20 minute Zoom call, email me at: [email protected].  XFLT update: reverse split 5:1.  Octagon Floating Rate. Also SMCY/ECC updates.  What is better? If I gave you a check for 2 Million dollars? Or if you got monthly cash flow of $4,000 per month? We discuss this scenario and I share my thoughts and perspective.  Single stocks I look to accumulate: TESLA, MSTR, and of course Bitcoin!  I share my in depth thoughts on WHY Tesla is a great stock to accumulate now!  If becoming wealth was EASY, then everyone would already be a millionaire!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  #wealth, #yield, #Bitcoin, #MSTY, #ULTY, #SMCY, #ECC, #XFLT, #Income, #cashflow, #Tesla, #MSTR, #BYD, #BYDDF.  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Epsiode #17. Not Me, But You! Podcast.  Connect with me/Follow me on X platform at: Waypa Today. Email me at [email protected]. I offer actual 1:1 coaching/small group coaching. Email me and we can arrange a FREE 20 minute call to see if it makes sense for us to work together.  Telsa is a long term buy/hold for me. Why? Becasue I believe it has the potential to reach $2,000/share by 2030! Our overall retirment goal should be: get as much money into our Roth IRA. Preferably dividend producing assets which when IN a Roth IRA produce TAX FREE INCOME! Tax free cash flow!  Other long term growth plays for me are: MSTR/Bitcoin My weekly goals include: building MORE cash flow. Why? Answer: because our entire lives revolve around cash flow. Also the "cascasding waterfall" approach to investing. Use HIGH YIELD/HIGH RISK dividend money and buy LESS RISKY things. When you do this, your cost basis for the LESS risky things is ZERO! FREE! Additionally, weekly stack some slices of Bitcoin. Why? Asnwer: because there is a LIMITED supply of Bitcoin. No Gov't can MAKE (print) more of it. Buy/hold assets is GREAT weekly goal.  Do you think that Michael Saylor, being a Billionairre, and buying Bitcoin all of the time, could be wrong about  Bitcoin as an asset? Answer: It's possible. But NOT likely. Even though people have been talking about a "supply shock" will occur with Bitcoin, eventually this "supply shock" will happen. We just have to stack slices of Bitcoin (save some of your money in Bitcoin), and BE PATIENT. Buy/hold and be patient when it comes to a "strategy" for Bitcoin.  I still like less risky assets such as: CLM/STRC/SPYI/QQQI. Pay close attention to the INTEREST rate you earn on your money in ANY inveastment. For me, if it's not at least 14%/year, then I'm often NOT interested in investing in that asset!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Tesla, #MSTR, #Bitcoin, #SPYI, #QQQI, #CLM, #MSTY, #ULTY, #ICOI, #Roth, #IRA, #Stocks, #Stock, #Wealth, #Dividends  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Epside #16. Not Me, But You! Podcast.  Follow me/Connect with me on X at: Waypa Today. If you are interested in 1:1 coaching/small group coaching, or if you simply want to email me please do so at: [email protected]. For potential 1:1 coaching clients, I offer a FREE 20 minute Zoom call so we can figure out if working together makes sense.  If you want total freedom and you want to get control of ALL of your time, then you can accomplish that by becoming wealthy. We discuss MSTY/ULTY, simple math and true ROI is in March of 2026.  We connect some dots in this episode where we review: the cascading water fall approach to investing. Do you enjoy getting FREE shares of assets that PAY you money?!! Do wealthy people think about money differently from poor people? Consider this: How can I buy an asset that will bring me the money I need to make a purchase?!  We answer the question: How do wealthy people think about money differently from poor people? I name HIGH YIELD/HIGH RISK assets that I invest in. Then I take the dividend money from these HIGH RISK assets and put the money into LESS risky things. My cost bases for the less risky assets is ZERO! And I do other positive things in my life with the money! I didn't have to do extra work or take on a 2nd job to make this money! I simply pushed buttons on my phone!  Lawrence Lepard: "Most people chase price and vomit (throw up) on deep value opportunities."  Have courage today, to pick one thing, and work on your dreams. We will talk again soon!  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #15. Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. Email me at [email protected] I offer 1:1 coaching/small group coaching. To set up a FREE 20 minute zoom call to see if it makes sense for us to work together, email me.  The USA is at war with Iran. How will this affect financial markets. As predicted, it appears that the Strait of Hormuz has been closed which will affect the flow of oil. So expect oil and gas prices to rise.  But I am not a huge fan of these situational plays. Instead, I prefer to simply continue building cash flow because I like income. An ironic and surprising fact is that investing and how to become wealthy is NOT taught in schools.  Poor peopel are focussed on buying things (being consumers) and wealthy people are focussed on buying assets. Becoming wealthy is heavily influenced by your midnset about money.  Your time is your most valuable asset. How do you free up all of your time? Answer: you become very wealthy. Investing involves RISK. But everyone is searching for the "risk free, 100% guranteed" investment. It does NOT exist. Stop looking for it.  #Iran, #War, #Bitcoin, #OIH, #XLE, #CLM, #Wealth, #Oil, #IRA, #ROTH, #Stocks, #ETF's, #Assets, #Consumers, #Mindset, #Diet, #Health I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Epsiode #14. Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. You can email me at [email protected]. I offer 1:1 coaching and small group coaching (no more than 3 people).  Email me to arrange a FREE 20 minute Zoom call to see if it makes sense for us to work together.  The 2 and 20 rules of investing are the FEES that traditional money managers and financial planners charge their clients. Remember that the professionals make the MOST amount of THEIR personal income from charging their clients fees! These professionals do NOT make most of their personal income by INVESTING in the things they will suggest you invest in.  If you want TOTAL FREEDOM then you need to build your own cash flow, your own income stream. The Gov't is NOT coming to save you! However, you can learn to do this on your own, by simply pressing buttons on your phone and doing your own reserach.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon! #SPYI, #QQQI, #Freedom, #CLM, #managment, #planning, #Bitcoin, #2&20, #sector, #rotation, #brokerage, #IRA, #Roth, #ULTY, #MSTY, #stock, #analysis, #Tesla, #MSTR  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #13. Not Me, But You! Podcast.  Connect with me, Follow me on X at: Waypa Today. I do offer 1:1/small group coaching. To arrange a FREE 14 to 20 minute call email me at: [email protected] to see if it makes sense for us to work together.  According to 2026 data, the MEDIAN (not average bue MEAN data point) American has at retirement: $95,000 to $186,000 saved in retirement accounts. Notice it's not a MILLION dollars or even 2 or 3 MILLION dollars!  The Median annual household income annualy  is approximately is $58,000. And target vs. reality, retirees often FEEL they need $800,000 in order to retire. Yet the MEDIAN savings is MUCH less! And 4 out of 10 workers aged 45 to 64 have ZERO retirment accounts!  SCHD pays a yearly yield of 3.3%. Is that a "great" interest rate to earn on your money? Compare this interest rate with what banks charge for credit cards: 14% or 18% or 28% or 32% etc! Just because there is NO share price erosion with SCHD, doesn't ALONE make it a great investment. You also have to consider the INTEREST RATE you are earning on your money. And THEN you have to COMPARE that ROI with the TRUE RATE of inflation (the rate at which prices are rising for everything you buy!)  If you had $300,000 to invest and ONLY earned 3%/year that would generate $9,000/year which means you would get on average, monthly, $750/MONTH!. Can you live on $750 per month of income??  Yield on SPYI is 12%/year. Yield on QQQI is 14%/year. Just because you have more MONEY in your portfolio statement this year compared to last year, does NOT automatically mean you are "doing great!" What DOES determine IF you are doing great or NOT, is to calculate what is your actual ROI (return on investment percentage) from year to year.  If you're portfolio is NOT growing at least 14% per YEAR, then you probably are NOT doing great! Your primary goal as an investor is to OUTPACE the TRUE rate of inflation!  Not the reported inflation number which is NOT reality and not reflective of actual rise in prices in real life on a yearly basis.  The best time to buy some Bitcoin is TODAY! Your overall retirement goals should include stacking some Bitcoin AND getting most of your cash/assets INTO your Roth IRA. Why the Roth IRA? Answer: So you can withdraw money 100% TAX FREE!  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #debt, #Bitcoin, #retirment, #Stocks, #MSTY, #ULTY, #SPYI, #QQQI, #CLM, #ROTH, #IRA, #Exercise, #Credit, #coaching, #wealth  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #12. Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. Or send a message to me via email to: [email protected]. I offer 1:1/small group coaching. Email me to set up a FREE 20 minute call to determine if it makes sense for us to work together.  In the last episode we talked about "sector rotation" in the stock market. Charles Payne, not a sponsor of this podcast, is a big sector rotation guy. I follow him but do NOT subscribe to any of his sales products. If you sign up for his free webinar, you won't see much screen time of Charles. You will spend a lot of time with an "instructor" who is really masquerading as a teacher but is actually a paid sales person who will attempt to convince you to pay approximately $4,000 to get access to Charles' stock picks for 12 months. I don't do that and I haven't done that. I can find stocks on my own withou paying a "subscription" for someone to do it for me.  If you want to, you can simply research the 11 different sectors of the stock market yourself! In this episode I also review some recent headlines in finance with companies like Apple, Meta, Walmart, etc. I also review the cost of these name brand stocks and then compare them to high yield/high risk dividend assets.  Typically, we invest for either growth (buy/hold) or income (immediate). I believe in CASH FLOW! If you grow your income stream FIRST, then you will find it easier to buy/hold shares of stocks like: Meta, Microsoft, Apple, Walmart, Home Depot etc.  All markets are manipulated, however, we can still find ways to consistently make money IN those manipulated markets. Don't be afraid to "vote" with your pocketbook or wallet in life. Where you choose to spend your money can influence people/behavior.  We talk about overcoming failure and fear of failure. It's possible to change your perspective on situations if you learn to think about them differently. I expect a "bumpy ride" in the markets from now until May/June 2026.  Be cautious when you research "best performing dividend stocks" because you will get stocks that are EXPENSIVE in price/share. We compare/contrast these with some high yield/high risk assets. I review my process (the "cascading waterfall approach" to investing) that I utilize when evaluating when to invest and when to grow my positions (my stack of shares) for assets.  The most important thing you can do today, after doing some research, is to take action. If you enjoy this podcast and/or get some value from it, consider sharing an episode with some of the people that you know.  #Investing, #ULTY, #MSTY, #Roth, #IRA, #Payne, #Webinar, #income, #Bitcoin, #sectors, #stocks, #FED, #Rates, #cash, #apple, #walmart, #microsoft, #meta  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #11. Not Me, But You! Podcast.  Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. For set up a FREE 20 minute call email me at [email protected]. You can also message me at that email if you do NOT have an X account.  We discuss Bitcoin price movement and Solana price movement with future projections relative to price. Also discuss how tech stocks are getting "hammered" in the market and also discuss "sector rotation" as a technique to use within your portfolio. Investors who use the sector rotation method are investing into "real economy" stocks that are contained in certain stock market sectors.  Energy, Materials, Industrial, Consumer Staples, Utility and Healthcare sectors.  NOTHING beats INCOME(Cash Flow!). MSTY and ULTY are STILL paying WEEKLY dividends! Charlie Munger: "The big money is not in buying/selling..."  Single stocks for growth I'm buying/holding: Tesla/MSTR/Nvidia.  We do a quick review of how to manage option positions where shares of stock have been assigned.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #Dividends, #Sectors, #Options, #MSTY, #ULTY, #Income, #Cash, #Flow, #Stocks, #Wealth, #IRA, #Economics, #Budget , #Time I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #10, Not Me, But You! Podcast.  Connect with me/Follow me on X at: Waypa Today. I offer 1:1/small group coaching. You can email me at [email protected] to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together.  In this episode we do a deep dive on Roth IRA's. We also discuss Traditional IRA's and Roth Conversions. There are only TWO requirements in order for you to be able to withdraw 100% TAX FREE from your Roth IRA account: One -be age 59 1/2 or older and Two -have had your Roth IRA open for at least 5 years.  Remember that you can own income producing assets INSIDE of your Roth IRA so that you can eventually withdraw JUST The INCOME and pay ZERO TAX on it! How nice is that? Not even a Traditional IRA offers you chance to do that. My overal goal at Full Retirement (as when I stopped working forever) was to have MOST of my money/assets in the Roth IRA and have as LITTLE as possible in the Traditional IRA. You can have MULTIPLE Roth IRA's and MULTIPLE Traditional IRA's. You just have stay within the yearly contribution amounts ACROSS ALL of your IRA accounts.  Max amount you can contribute to ALL IRA's depends on your age. If younger than age 50 you can contribute $7500 per year. If you are older than age 50 you can contribute $8,600 per year. Those amounts are the MAX amount you can contribute. But they do NOT count against and are NOT part of ANY Roth Conversion amount. Roth conversions have NO dollar limit.  Have courage today, to pick one thing, and work on your dreams.  #Bitcoin, #Roth, #IRA, #Retirment, #Taxes, #No Tax, #MSTY, #ULTY, #contribution, #wealth, #back-door-Roth  I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions. 

Send us Fan Mail Season 3, Episode #09 Not Me, But You! Podcast.  Follow me/Connect with me on X at: Waypa Today. I offer 1:1/small group coaching. Email me at [email protected] to set up a FREE 15 to 20 minute call to see if it makes sense for us to work together.  Remember that our entire lives revolve around "CASH FLOW!" And also keep in mind, that we likley need to average an ROI 14%/year on our portfolio, in order to KEEP PACE or stay ahead of the TRUE rate of inflation.  If you got $600/month for 12 months/year.  600 X 12 = $7,200/year of income. To calculate ROI =  $7,200/$300,000 = ROI (return on investment) of 0.024 = 2.4%/year. That is a very crappy ROI. And this calcuation is BEFORE we factor in the year-to-year inflation rate!  Above I have just shared the math that proves WHY I don't like "safe" investments or "guaranteed" money. That type of money often comes with a cost because the entity "guaranteeing" you a monthly check IS ABSOLUTELY investing what USED to be your money, at MUCH, MUCH, MUCH higher rates of return and keeping the difference. Food for thought. AND...your "guranteed" monthly check often does NOT ever increase, so you don't EVER get an adjustment for INFLATION! Instead you are living on a "fixed income."  If you have money sitting in a PREVIOUS employer's 401K account... you can ROLL ALL of that money into a Traditional IRA and this is NOT a taxable event. Then once the money is in your traditional IRA, you can invest it any way you choose, at MUCH, MUCH, MUCH higher rates of return.  Have courage today, to pick one thing, and work on your dreams. We will talk again soon.  #IRA, #401K, #Bitcoin, #MSTY, #ICOI, #OARK, #dividends, #ULTY, #ETF's, #Investing, #Wealth, #retirement, #annuity, #Inflation, #YouTube I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.