Sell your stocks at this EXACT time (Finance Professor Explains)

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ROTH IRA updates explained with taxes rising eventually, when to sell your stocks, should you invest or pay off your vehicle? Financial freedom can be reached faster when you invest correctly and get your personal finance in order. Investing tips for all!
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The other thing to consider with interest is the tax. It might not be a 1.6% net, once tax is taken out with the example of the truck

sirmacca
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keep pumping out those financial advice videos Professor G!!!! love watching your content….

kevnyc
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I just discover this channel a couple of weeks ago and it has quickly become one of my favorites. Thanks for simplifying investing Prof G!

drewajer
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thank you for explaining your thoughts on taxes rising in the future. This was gold professor

jasonwright
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Can you go into more detail on how selling investments in a 401k / Roth IRA are taxed or not taxed at the time of selling? Your videos are so helpful, thank you for what you do!

alexruffalo
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Example 1 doesn’t take into account tax on the invested interest. The comparison of paying off 3.5% interest vs saving it for 5% return is almost break even proposition after tax. It could be better or worse depending on a person’s tax bracket. For most people they’ll come out slightly ahead saving for 5% return but it’s very slight.

bndrey
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Another awesome video- thank you professor G❤

FlavioSilva-mcvl
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Be mindful some states tax are higher than others (e.g., CA, CT, NY, MASS).

ojstoical
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problem you didn't mention is thar cars in particular are depreciating assests so you could owe more that it is worth

jonathangamble
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What's your thoughts on Roth 401K? My company was purchased by US LBM (owned by Buffett) and I could invest in a Roth 401K for any new investments but I am 9 years away from retirement. I am shifting the original balance into a normal 401 but not sure if I should shift new money into Roth 401K. Plus does that ace me on contribution of my 7500 a year (age base) on my brokerage Roth IRA?

llew-AZ
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Thank you so much, Professor G! Very informative!

ES-sxru
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Great advice & info. Plus Nolan is VERY easy on the eyes.. Just saying...

ZipLineFine
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As much as I agree with taxes being higher later(this has been the pitch of every Index Universal Life selling guy who I have encountered), I may be better off deferring taxes if I know exactly how to gradually “sip” my money and make sure I stay in a lower bracket compared to now when I am at my peak earning years(and not even eligible for Roth, and no Roth 401k either)…

S.A.
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Debt kills you . The money you save while chopping down debt vs. pausing on investing isn’t even close . Plus the market is trash rn .

Wipe out all your debt. It’ll feel liberating but painful.

Gunieapower
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In a few words, if you can invest your money and give you a higher rate that your debt go for it a invest the money otherwise pay your debt. Debt is what some people and businesses use as leverage to build income. The most known is real state as a good example.

E-XODIA
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I’ve heard September is generally bad for the market. I’ve sold everything for know as I have been checking the graphs lately. Hopefully when things become more stable, I’d like to purchase again.

Skateallday
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Did you ever covered an international growth etf recommendation you did for US markets but not for EX USA or did I miss this one?

klausburmester
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For the first example. Interest vs investing, if you have a loan that’s “low” like a good car loan or mortgage, what are your thoughts about dumping money into VOO even in down markets, because you’re getting a discount and compounding can have even more of an impact until the market recovers.

P.S. are you completely against traditional 401k investing? I plan to do max traditional, 10k after-tax converted to ROTH 401k, max HSA, max ROTH IRA, 10k+ brokerage. Then in early retirement do ROTH conversion of Traditional for the married exception yearly. Pull from Brokerage up to the 0% longterm capital gains to live on, plus my pension with house paid off.

rene.s.s
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Great video. Going to open a roth ira.

50% schd
20% vgt
20% voo
10% Berkshire

jasonramirez
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If you're in a high tax bracket right now, should you convert your traditional 401k into a roth 401k (same current employer, no rollover option or other variables...)

TakeNoneForTheTeam