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Very true. A lot are shit. Same with doctors. Same with teachers. Same with _________. End of the day, nothing we have talked about here affects me. Just trying to add value to the conversation and make people aware of what’s out there that might fit their needs. You want a Simple SEP or you...

Estate planning, business planning for c-suite and boards, and tax-free income when it makes sense. We also do managed money and variable assets. This shit isn’t rocket science. The solutions are hundreds of years old. FFS, I do planning for some of the nation’s largest banks, law firms, and...

Ok, you’re just too dumb to interact with.

Do you have any idea how much financial and legal risk there is in lying to people with money, who have lawyers?

It’s clear you have zero idea what you’re talking about. Best to quit now.

Agreed. It’s not the first, second, or even third asset to acquire. In that age range, get term to protect the family and replace income . It’s more cost effective. Permanent plans happen later for different reasons.

I'm more than happy to give advice to this board. Its provided me with plenty of the last 2 decades. But, clearly this isn't the thread for people who want to get ahead or learn something.

I've enjoyed his videos for years. Its cool to see that perspective of things. And, he's well spoken and informative as well.

Oh god no, eww. Independent brokerage my dude. Yes, you are correct. They are not instruments for people in that financial space. Get out of debt, squirrel away something in a ROTH or whatever until you can save more. However, the wealthier you are, the more they matter. Leverage is the name of...

LOL, ok.

If a gym is in my house, I will not use it. For me, I have to go to the gym.

Ya that’s not good advice. He also say things like insurance and annuities and other alternative assets are bad. He has an agenda and he sticks to it for his personal gain. It’s super basic and not even close to being optimized or what a proper financial plan can accomplish. By a fucking mile.

https://www.voxelsystems.com/ Not yet public, but has massive resources behind it. This will pre-diagnose CTE and cognitive diseases. Keep an eye on it.

100%. You'll get through the divorce and come out better on the other side.

But our beautiful degeneracy binds us together *swoon*

That garden sounds badass though. Nice. And 40 acres is a lot, lol. You should be nice and insulated there.

Brother, its contextual. We make that much but we don't spend that much. Shit, my wife LOVES shopping at Home Goods and TJ Maxx for dog stuff, house stuff, etc. I penny-pinch on a lot of things other might not because I grew up lower-middle class and really didn't have much. So, those habits and...

Haha, also this. My clients have 9 figure or higher networths. Its a different environment.

Cad made a reference to overspending and material stuff. I was explaining that I don't do that.

She’s already dead.

I’m sure there will be adjustments as we age and we certainly will slow down. However, I expect inflation to continue rapidly and the cost of health care and other things to balloon over the decades. Assets and income have to keep pace. $10 today might only be the equivalent of $6 in 20 years...

Yes, you’re correct. We don’t need that. But, it’s what we are used to and we don’t want to dial back if we don’t have to. Travel, friends, spoiling family, etc.

Silly, right? Pretty much all of our doctor clients are like that. They think they are clever, but most are very over-leveraged and bad with money. Thankfully, when we do estate planning for clients, they listen and shit goes right.

I agree, we could save more. Roughly $20k monthly goes into equities, cash value life insurance, and commercial real estate ventures. When we get pops from work then we do other things on top. Most of our big expenses are behind us now so we will be saving more as we go. The idea is to not cut...

Being American. It’s half of what most of our friends make, but they also have stupidly lavish lifestyles.

Comfir Confirmed financial tards.

I need a net of $50k per month. It’ll take more than 7 years for that pile.

We’re both 43 right now. Ideally we’re done at 55, but our careers are just talking and relationships, so another few years doing financial consulting part time wouldn’t be too hard. I’ve got the number in my head for us to draw 4-5% annually and never run out while still doing and having...

Only #2 😪

Man, you need to try harder then. So many great money-sink hobbies and habits 😂

Dummies. Also, survival of the fittest.

I just want to race cars and pet dogs while drinking and eating well. Not too much to ask. 12-17 years until retirement though, which seems really far away 😪

I’m over 6 feet tall and sleep on my back. My feet don’t hang over the end. Are you using a cot or something?

So, he’s a piece of shit and a retard. Got it.

Most people don’t know when someone is a serial killer…

Color matching roof boxes on cars as a style piece. Fucking twats.