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I'll do this before. I want to do this later, but I'll did this before. Everybody's in here earlier. Get a little treat. So when I was on we was on a breakfast club and I had mentioned a rough IRA play for your kid, and I said, if you put six thousand dollars into ETF hypothetically speaking into the QQQ situation, and then by the time that they retired, they'll have one point one million dollars. A lot of people don't fully understand that, So let me break this down.
Let me break this down into into great detail. So what I meant by that was this. The reason why I did the row of is because obviously know the ROWF is tax free. Well maybe not obviously, but if you don't know that, a rough IRA, when you take the money out and retirement is tax free. You don't pay any income tax on it. So obviously if you're if you're younger, you want to have the more tax advantage playing as opposed to the traditional IRA that's actually taxed.
So you can actually open a row or a child can open a wrough IRA. They have to be of legal working age. That's why I said age fourteen because for most states you can get you working permit, you can start working at age fourteen. The reason why I say six thousand is that the most that you can put in into an IRA is six thousand dollars and you can do up to the amount of money that's
earned for the year. So what I'm saying is that, let's say, hypothetically speaking, the child had a part time job, right, you work at CVS or a camp counselor, and then you got another part time job throughout the course of the year, a couple of hours a week. You're got an average for the twelve months about six thousand dollars. So the six thousand dollars was not a number that you definitely have to do. It's just to give you
an example on it. So if you contributed six thousand dollars into the rough IRA for your child at the age of fourteen, once they are able to start working. Now, the reason why I say QQQ is that QQQ has averaged twenty percent for the last ten years.
Right, So when you.
Say average twenty percent for the last ten years, that's not like guaranteed that it's going to get twenty percent every single year.
Deans is that so in an average, like you know we all went to math class.
If something is forty percent one year, ten percent one year, fifteen percent one.
Year, we take the average. We take the average of those numbers.
So it's not guaranteed that's going to do twelve percent for the course of the next sixty years, but I mean it has strong track record. So that's why I said, Okay, it's done twenty percent for the last ten years, it's not unreasonable to think it's going to do twelve percent a year average. So when you average, if you put six thousand dollars in and just did it for one year, if you average that twelve percent over the course of
time until they actually reached sixty the eight. The reason why I use the age sixty is that is the retirement age for the irs, right, fifty nine and a half. So the whole point of it was to say, you know, if you set your child up, hypothetically speaking, they'll have over a million dollars in retirement.
So that's what I was saying.
As far as a lot of time, people take jobs and you know, they sacrifice their dreams and all of that just to get a retirement plan a four to one K or pension you had all the time, the job has good benefits. So I was using that as a hypothetical example to show you, like, this is a play that you can run for your child. Now Obviously there's different strategies. You can put it less money in, you can do it over the court of time, you can do yearly. It doesn't have to be done all
at once, just in one year. But that was a that was an example, you know, just to kind of show you if you really think about it, like, damn, six thousand dollars can actually guarantee almost guarantee a million dollars.
I've show people was listening like, isn't know what he's talking about?
Yes, yes, yes, dude. You always gott to clarify stuff.
There's always not even it's not even that people are critics or anything like that.
It's just that people aren't fully educated. So that's what makes them critical because the lack of education.
Yeah so, but our job is to make sure that everybody understands the information, because you know, a teacher is only good as the students that actually retain the information. So if we're not if we're not relaying the information to where the point where everybody can understand it, then it just has to be explained a little bit further. So I'm glad that we actually got a chance to pull it.
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Coach.
The energy out there felt different. What changed for the team today?
It was a new game day scratches from the California Lottery players everything. Those games sent the team's energy through the roof.
Are you saying it was the off field play that made the difference on the field.
Hey, little play makes your day, and today it made the game. That's all for now, Couch one more question.
Play than New Los Angeles Chargers, San Francisco forty nine Ers and Los Angeles Rams scratchers from the California Lottery. A little play can make your day. Peace, Paly responsiblit must be eighteen years or older to purchase plate or claim.
We explained that because I know that that was something that a lot of people may have had questions about. And the last thing before we bring in on a lot of people will say like, well, how can I open up a rough ira.
It's pretty easy.
You can do it all brokerage accounts, you know, Fidelity TV, anything like that. You can open up a Royal piray for your child. We actually talked about it in the trapper with Eyl of course as well, when you went to detail, here's.
The fundamentals that matter. Stop buying at the top of the market. When Tessa got to eight seventy five, everything fell apart and you were like, why the market hit the top of nine hundred. Some of this is common sense. If a house is worth two fifty, don't buy it at two forty five.
It's not worth it.
I don't care if it has ten grand.
Is not worth it to do the market is only down twenty four out of one hundred and ninety five years, and crashes last less than six months with to positative.
Easy even less than March and show with.
That, stop call members my byce Toe you stop looking for ninety eight positions to be For those of you who got into five to nine last March, you're up three hundred and sixty percent off office stock that most people never get heard of or though there is a lot of value for holding long term. Kudos to you if you got in on those outpha my dream team family, my advice see you.
We have a tremendous opportunity here to be able to present and print the kind of returns that only maybe Kathy and Peter.
Lynch were able to do. But we can do that inside of a quarter. Stick to the plane and do not DBA no matter what you hear. You can create.
Riches in twenty four and fifty trains in the year will be go there.
For our business owners, we want to start giving a couple of tips. The most important aspect of a brand is a single mindedness to a relentless focus on being the best in the world at one thing. If you have a business, your edge is going to be what are you the best in the world at. If you have a company that you run where it's large or small, please put in chat what that is and then tell me what does your company do so well?
That no one else can duplicate it. If you don't have that edge, you need.
To start building right and we'll be close and wrapping up four of the twenty eight pillars that you need for your own personal and economic mode, and about eight weeks, I want to break down the entire economic mode that you need personally.
You need a business, you need stops, real estate, you need life insurance.
Those are the four that you want to start with.
And the freedom intrics that I was trying to get Seasier to reveal, but he wouldn't put you on.
Ideally, we want to get to a place where we have ultimate freedom of ten thousand years and one thousand wars.
The five Buggess mistakes from made from this year for me One not swinging traded enough.
Two you guys know this already, did not give enough rest because that does affect people are trading. Three deviating from playing Number four taking in outside noise. I literally looked at my percentage rate. I perform twenty percent higher when I take in less meeting. So when I'm only looking at news one hour a day, I perform a hell of a lot better.
And number five.
Not including the vexed future into my trading part. Those are my five business mistakes because.
Regardless of what the market does, if we slide up or down, if you add to vincing and swing trading, you'll be great. My question of the week for you is are you here to get rich or are you here to sound smart?
I hear a lot of people talking, a lot of.
People talking, and that's fine.
I want us to be intellectually capable, to be able to have these conversations anywhere.
But ultimate does it mean anything? If n four years you're not making any money? Does not? It is not It's gonna be off or nothing.
My graduates from my school being forced bad drop bag drop, Mike drop bad drop drops.
Coach, The energy out there felt different. What changed for the team today?
It was the new game day scratches from the California Lottery player is everything? Those games sent the team's energy through the roof.
Are you saying it was the off field play that made the difference on the field.
Hey, little play makes your day, and today it made the game that's off of now, Coach.
One more question?
Played the new Los Angeles Chargers, San Francisco forty nine Ers and Los Angeles Ram scratchers from the California Lottery. A little play can make your day. Peace may responsibly. Must be eighteen years or older to purchase late or claim