5 Money Saving Tips for Beginners

I had a conversation with somebody about their plan to save money a few days ago. Their first conversation with me had been about how to save money. We discussed many money saving options. These are actually simple the more you save, but to some people getting started, here are some tips you need to know.

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1. Pay yourself first. Put your set amount of money away before spending it on something else. This means if your paycheck is $1000 each week, and you have a plan to put away $100 each paycheck, do that first. You will get used to living on $900 a week knowing your $100 is going toward something you’ve been wanting for awhile.
 
 
2. Think long- term. When thinking about money we always want it to come in faster than it is. We want our savings to double in the matter of months and our income to grow just the same. The reality is that this isn’t the case. When we think about saving money, we should have the mindset that it’s almost like we don’t have it at all anymore until we reach a certain point. This certain point could be retirement or a specific number so you can go on a trip. Saving money is a long- term process and you have to set your brain to function that way. When you start dwelling on your savings, you will start going nuts! Be patient, and understand your long- term savings will pay off.
 
 
3. Save more when possible. Using our $100 a paycheck savings, if you have the ability to put more than $100 away, do so. You might start to see you can live off $850 a week rather than $900 and the $50 extra you’re saving would become the norm. This will entail you being able to reach your savings goal sooner than you thought or being able to put away more than expected.
4. Create a physical budget plan. There are probably thousands of useful phone apps to see what your money is up to. If you’re not a tech person (like me), keep your own ledger. Write down money coming in, money going out, and what you’re spending it on. When you’re able to physically see what your money is doing, you are more likely to spend it wisely and put more toward what you actually want. Believe me, when I started to see how much money went toward eating out, I stopped and my savings skyrocketed.
 
 
5. Invest your savings. This doesn’t mean you have to sit on the computer trading stocks. No, investing can be as simple as opening up a savings account. Anything you can make interest on is a great choice. Look into what your bank offers. Sometimes there are great CD’s that can earn 3% interest. This means you put money in, and you can add 3% of your savings to your savings. $100 turns into $103. Now when we think long term, we are earning hundreds of dollars just because we’re doing a great job saving. Find an account that makes money for you while you sleep.
 
Stop waiting! Start by using these simple savings tips today. The sooner you save, the more you will earn long- term. If you have more savings tips, write them in so I can share them with my audience!

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John
Twitter: @infinityintuit
Instagram: @infinityintuition

Eliminate the Monday Mindset

For many of us working our 40 hour week, Monday is tough. Tough to be excited about. Tough to get through. Tough to cope with the fact that it’s only the beginning of a long week. I’m writing to tell you that it doesn’t have to be this way.
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Let me say this first, I understand the Monday mindset. I used to hate Mondays too. I hated them because I hated my job at the time. I felt like there was nothing to be excited about and nothing to look forward to. Each Monday, I started the day groaning and ended every night with a long sigh now that I had finished day one of five.
 
Let’s talk about the work you’re doing. If you absolutely hate it that much that no matter what day it is, you still hate your job, find a way out. That doesn’t mean an excuse to miss or taking 15 bathroom breaks throughout the day. No, find a way to change your job. Even if you work a 40 hour week, you have 128 other hours to research a new place to spend 40 hours a week. If your research comes up with nothing, or you don’t know where to look, seriously consider going to a Life Coach like myself or anybody in your area. We are trained to help in circumstances like this. If you don’t want to research or go to a Life Coach, consider reaching out to a mentor on the matter of switching jobs. If none of those work, a talent agent is often a good choice as well. No matter which route you choose, educate yourself on the decision that’s about to be made. Weigh out the pros and cons of every possible outcome of this decision.
 
Now if you like your job, but don’t like Mondays please read on. The Monday mindset hits everybody with a concrete schedule. It’s nothing to be ashamed of, but we can combat this mindset to make 52 days each year much nicer.
 
Your first step is to appreciate what you have. Appreciation decreases stress and that alone could change your MM (Monday mindset). Next, consider what you’re looking forward to. WRITE THIS DOWN. Being able to see what you’re looking forward to will help you make it through the day. I also encourage you to write down something you look forward to each day. Then each hour if it’s possible. When I was doing a job I hated I started writing down what I looked forward to each day and each hour of that day. I usually looked forward to going home to hit baseballs. Each hour (you’re going to think this is silly) I looked forward to drinking a half cup of juice. I was working a job delivering cleaning supplies in a box truck. Each hour that went by I would pour juice into my thermos top and sip on it. I couldn’t tell you how much that changed how I thought of my job. Each day I knew I could break my day down into 8 half juice cups to sip on. This completely altered the rest of my days working for that company.
 
Now we move on to something more difficult. Getting to work. Your MM could categorized into a variety of emotions. Sadness, happiness, excitement, anger, etc. Watch what happens when you change your emotion to “DRIVEN”, “FOCUSED”, AND “DEDICATED”. This is a something that is practiced. But think about making your Mondays your most productive day and see how much nicer the rest of the week is. Being driven, focused, and dedicate on your Monday (likely your toughest day) will make the day go by quicker for you mentally. You will be so focused on being productive that your worst day will fly by. On top of that, you will have accomplished more which will make the rest of your days nicer too. So instead of coming in on Monday feeling some type of negative emotion, work to become the hardest worker there.
 
If you’re sitting in your office today thinking about how much you hate Mondays I want you to start with this blog and see if you can make a change to your MM. I’m going to have more detail for you in the future, but for now this is a great start. 
Til next time,
John

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Twitter: @infinityintuit
Instagram: @infinityintuition

7 Ways to Make the Most of Your Lunch Break

Even on your work days you can be productive outside of work. All too often we find our break goes by in a flash. Why?

It’s because you don’t want it to. You want more time to relax before heading back to a job you may or may not enjoy. Given the choice, we would all choose a lunch break over working right?

For those of you that can handle the work, we wanted to give you some advice on how you could make your lunch break productive. After all, you’re in a working mindset right before and right after. Why not keep that working mindset going at a more relaxed pace?

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Here’s what can be done in a 30 minute to 1 hour lunch break:

  • Exercise
    • No, not a full workout, but some exercise is doable. You can go for a walk, that’s probably your safest bet. It can be short and won’t get you sweaty before heading back to work. You can possibly do some light exercises like push ups, sit ups, squats, or lunges that don’t require anything but space. Try to finish these within the first 10-15 minutes of your break so you have some time to rest/ change clothes before heading back to work.
  • Read
    • If you’re struggling to read at home, this is a great chance to catch up in a quiet place. Assuming you can go anywhere for lunch, find a quiet spot and open up your favorite book.
  • Write
    • John will tell you to write your goals, priorities, time management schedule, but this can be anything. All of us here at Infinity Intuition agree that you can write about anything to be a little bit more creative. Don’t have a bucket list? Create one at lunch? Write your perfect eating lists, your exercise lists, or a list on what you could do to help others. Let your mind run wild with a pen and paper in your hand and see where it takes you.
  • Learn Something
    • Take an online course, read up on articles, watch YouTube videos, and whatever else you can do to learn. There seems to be an endless amount of information available at our fingertips with smart phones and computers. A half hour of learning each day will lead to a lot of learning each year, and even more each career.
  • Meal Prep
    • Get a chance to go home? Start cooking what you would need for dinner. Or you can go out an get all the ingredients you will need for the night. Either way, taking time during lunch can save you time when you really want to relax at night.
  • Pay Your Bills
    • Does it suck giving up money? Yes. But, paying your bills during lunch might increase productivity during work. You will feel the need to gain that money back, and there is no better time to do it than your work hours. Grab that bonus, reach your sales goals, or possibly use your overtime hours to regain the money you spent.
  • Catch Up With Friends
    • Who is guilty of not keeping in touch? We all are at some point. Catch up with friends through text or call if they have a minute too. It’s okay that life gets too busy when work is done. You don’t want to miss out on a friendship because of it. Catching up could just be a text saying “Hey, just wanted to let you know I’m thinking about you and miss you”. Don’t make it more complex than it has to be if you don’t want to.
    • You can add “catch up with clients/ businesses” to this too. It doesn’t have to be about making a sale or a deal. Reach out and bring up something they would be interested hearing. Make them feel like a friend rather than somebody you would use to make money from.

Check out one of our earlier articles on how you can be productive on your commute here to see more ideas. Productivity Tips for Commuters

Let’s say you work 200 days each year. And each day you take your lunch to be productive.

30 minutes x 200 days = 6,000 minutes or 100 hours or 4.17 days of productivity

1 hour x 200 days = 12,000 minutes or 200 hours or 8.3 days of productivity

Imagine what you can get done with that amount of time. It’s really the small changes you can make daily that will help you in the long run.

Got any more productivity ideas? Let us (and our awesome 700+ readers) know about it!

Until next post,

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Twitter: @infinityintuit
Instagram: @infinityintuition

Where You Could Easily Save Money Today

No matter how much money we seem to have, we always want more. It’s not greedy, we just want to do more cool things with our life… or simply afford to live. Whatever your reason is for wanting more money, we have some really easy ways you can be saving more of it.

Some of these might seem so simple, but people have trouble sticking to them.

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Here is our list:

  1. Cable

People are spending upwards of $100 each month on cable. Throughout an entire year this comes out to $1200. That’s a lot of money that can be saved. On top of that, you could save more money by reducing the cost of electric when the television is on. Although the electric bill might only be about $10-20, throughout a year you could be saving an extra $120-240.

If you have a laptop, tablet, or smart phone, you can stream shows through your screen. This will require wifi or you heading to a public wifi spot, but you can ultimately avoid the cable bill.

Some alternatives to traditional cable might be

Netflix (around $10/ month)

Hulu (around $10/ month)

YouTube.tv (around $35/ month)

(Amazon Prime members can also watch shows and movies from Amazon – $100/ year)

Check out this article for getting rid of cable altogether.

If you really want to change your life, stop watching TV and shows altogether and you will save yourself a small fortune! On top of that, you won’t waste as much time sitting in front of the television or computer screen.

2. Gas

Yes, gas can cost a pretty penny depending on your commute and what you do. We all have to admit, having the convenience of a vehicle is great. However, using our convenience less can save us money. Let’s see how we can make this happen.

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  • Carpooling
    • Wherever you’re going often, consider traveling with friends or coworkers. If you work 20 days in a month, you burn a ton of gas getting there. Instead, wrangle up a few friends and cut that down to possibly 5 days a month, and see how much you save.
  • Walking
    • This option is clearly a healthy alternative. Although we know you can’t walk everywhere, consider walking to all the places you can close by. Instead of driving to the local convenience store, walk there. Throughout the course of a year you will save money and live a little bit healthier!
  • Biking
    • Biking can be to places nearby or to somewhere a bit further away. It’s extremely healthy and over the course of a few months would cost you less than driving. Buying a bike can range anywhere from $100- $2000 depending on what you’re getting it for. We recommend keeping it on the lower side if you’re just using it to commute back and forth somewhere. Investing in a bike can save you money over time.
  • Public Transportation
    • This option is nice because you can sit back and relax on your commute. For some, this option is cheaper than driving to work anyway. Check out your local bus or train schedule to find out how you can get to where you want to go without spending more on gas or tolls. Combine this option with a bit of walking, and you’re on your way to saving money while exercising.

3. Stick to your shopping list

It’s no secret the grocery store is filled with foods we want to eat, but know we shouldn’t. Or the mall has stores filled with items we want, but know we don’t need. Before heading off to shop around, wherever this might be,  create a list. AND STICK TO IT.

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You know what you NEED before you head out. Once you reach your shopping destination, you find out what you WANT. Don’t confuse the two.

Your needs are necessary while your wants take you away from saving money. Make the hard decision and stop buying on a whim. The $15 of extra purchases throughout the course of a shopping year can be detrimental to your bank account.

4. Avoid fast food

You might not only save your wallet here, but your health as well. We usually eat fast food because we don’t have time for a meal we prepared ourselves. Or we eat fast food because we are stressing or feeling down about something.

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  • Change how you react to stress
    • Eating is one way to go about it, but how about listening to music, taking a walk, running, reading a book, or talking to somebody about it instead.
  • Prepare your meals
    • This doesn’t mean you have to meal prep every Sunday for the week. Instead, eat breakfast at home in the morning by buying food to make an easy breakfast. Eggs, fruit, and oatmeal are all cheap and really easy to make quickly.
    • Pack a lunch. A sandwich, salad, protein bars, or canned tuna/chicken won’t take you more than 10 minutes to prepare. Those 5-10 minutes preparing a lunch each day will save you around $10 EACH DAY.
    • Take time for dinner each night. Make a small event out of it. Dinner might take 30 minutes to an hour to cook up depending on what you’re having. Use that time to listen to talk to somebody there, listen to music, or catch up on your favorite show. It doesn’t have to be an awful experience if you don’t want it to be.
  • Make a date of it
    • It’s tough to say we’re giving up fast food completely. That’s alright. Instead of eating fast food based on how you feel, make a date for the day(s) you want to eat fast food. Don’t be afraid to treat-yo-self, but don’t make it a regular occurrence doing so.

These are the four most common ways we see people spending money where they could be saving it. If you can make a small adjustment to your day, over time you will be able to save a ton of money. Think about where you could spend that money! Possibly on a vacation to somewhere (like the best places in California).

Whatever it is you’re saving for, try these small adjustments and let us know how it goes!

Here is another article that might help your financially.

Until next time!

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Twitter: @infinityintuit
Instagram: @infinityintuition

 

Bet On Yourself, Not the Safety Net

I’m writing this for everyone who at one point lost hope in their dreams. They lost faith in what they wanted to do in life. The people who started a career doing something they hated because it gave them temporary satisfaction from their bank account. The people who bet on the safety net and not themselves.

Let’s define a few things to start. The safety net I refer to is a job you don’t want, but thought you needed at a certain point. A safety net that has kept you down from really pursuing what you love because it’s safe. The safety net that doesn’t allow you to escape. The safety net that won’t reward you for your best effort, but rather somebody who bet on themselves.

When I say “bet on yourself”, what I mean is trust that you can do it. Believe that you can accomplish what you’ve set out to accomplish. Believe that even though there is a chance you could fail temporarily, you know you will thrive in the end. Betting on yourself is only gambling if you don’t think you can do it.

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If you’re grumbling right now about “the world doesn’t work this way” or “other people have a better chance to succeed than I do”, you’ve lost.

If you’re feeling inspired by the first few paragraphs, you’re already on the right track.

The truth is, not everybody can live the life they want. And it’s not because the world is structured that way, it’s because people are structured that way.

Everything we go through in life is a direct result of our own self. The rest of the world plays a factor, but we ultimately determine our life.

I see people all too often getting caught up in the rat race when it comes to their life. They took a job because they needed the money. They stayed in that job because they found a reason their original plan might not work. They complain about their lifestyle because they’re not happy with how they are living. And one day, they will regret the past 40-50 years because they didn’t bet on them self.

I want to first encourage you to bet on yourself. Accomplish everything you wish to accomplish. In the end, we all die some day, and you might miss out on an entire life of happiness if you don’t bet on yourself. Secondly, I want to tell you that it’s possible. It’s possible to have everything you wanted.

The reason it’s possible to accomplish everything you wish to is because of the safety nets we see in life. Safety nets appeal to 99% of the world. That 99% is working for or dreaming of being the 1% out there.

Do some people fall into a great situation? Of course they do. I’m not here to tell you everybody you see on TV or with a million dollars got there through hard work and grit. No, some people got lucky.

Out of the 1% I mentioned, 99% of them bet on themselves and made their life happen rather than let their life happen for them, however. Don’t count on being lucky, and if you are, I really can’t help you.

How do we bet on ourselves?

It starts with a belief. We believe that we can accomplish something. Then it turns into planning. Planning consists of goal setting, prioritizing, and time management (I wrote a book about that you can find here). From planning we begin to act. We act by educating ourselves and then putting in the work. After we act, we revisit everything above and do the process over again.

Believing in yourself isn’t always easy. Self- doubt creeps in your head. You hear about other people that tried and failed. You hear other people tell you why something can’t be done. But you neglect the reasons of why you can do it. You forget you are a special person. You’re willing to go above and beyond the rest to accomplish your goals and dreams.

Planning isn’t a quick process. Planning means you understand everything you want and need to do what you’re thinking of doing. You plan by setting a goal or goals, prioritizing what is takes to reach them and your life, and then you manage your time to make sure your priorities are reached. This process takes brainstorming, commitment, thought, and possibly reaching out to somebody for help.

To act, is to do. Educate yourself on what you can do to reach your goals. Once you know enough (more than enough), you work. You get to work doing everything in your power to accomplish your goals. And then you repeat the process.

After you’ve done everything listed, you repeat the process. New goals are formed, new priorities are in order, you’ve learned lessons along they way, you adjust what you need to, and get back to accomplishing what you desire.

Let me say this too, failure is inevitable. You will fail. You will make mistakes. It’s part of the entire process. If you haven’t failed, you haven’t grown. You fail to learn. And if you don’t see it that way, you will fail permanently. Fail upwards means to fail with progress in mind. When you learn from your failures, you will reach a level of success very few were able to reach.

Think about how the safety net works in our favor if you’re willing to bet on yourself. 99% of the people will see failure and give up. They won’t learn from it. They won’t grow from it. Instead they quit. This leaves more room for you at the table of success. Less competition.

I don’t want competition to scare you away. Truthfully, you can learn just as much or sometimes more from the competition than you can your own failures. This all comes as part of educating yourself. But when we bet on ourselves and we see that it’s us versus one million, it’s scary. Then we realize 99% of them won’t make it to where we want to be simply because of the safety net. You versus 10,000 sounds much nicer doesn’t it? I would take those odds any day.

Let me leave you with the conclusion to all of this. Bet on yourself, and not the safety net. The safety net makes you a living, betting on yourself creates a life worth living. Your dreams and goals can happen if you decide you want them to happen. Don’t fall into the 99%ers. Be the 1% that lives the best life you can possibly imaging.

-John

Twitter: @infinityintuit
Instagram: @infinityintuition

6 Interviewing Tips You Need to Know

Check out my latest article from my company Road 2 Excellence on how you can interview better. We work with students on a regular basis who are applying for jobs, and found that these 6 (really 7) tips can help you land a job. Take a look below or check out R2E for the full article.
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Hey R2E readers! John writing to you today about how to have your absolute best interview when applying for a job. It’s something we don’t think about until it’s about to happen. We’re so worried about finding the right job that we forget to actually perform when it matters the most (at least initially), the interview!
Let’s take a look into what can possibly help.
First, you should have an awesome resume. This is actually one of R2E’s best attributes as a company. We work with students on building a professional resume for a third of what everyone else costs. Check out our services to see more!
You’re going to need to stand out in a pile of other resumes. How can you do that? Without giving away all of our secrets, your resume should be clean. And although you might not have more experience in schooling than everybody else, you just have to have enough to make it to your interview. Keep a clean resume highlighting all of your best attributes and what they company might want in an employee.
Next we’re going to talk about preparing for the interview. This is crucial because it will determine how the interview goes. So how can we prepare?
First, educate yourself on the company you’re applying to work for. Nothing is more impressive when a potential employee comes in with knowledge on the company and how they might be able to help. This means, know what they do, who they do it for, where they do it, and possibly even who you would be working for. If you can come in and have a discussion about what they (the interviewer) knows like the back of their hand, you’re on the right track.
Second, practice what you’re going to say. Almost every interview has the question “Tell me a little bit about yourself”. So prepare for what you’re going to say. Prepare for questions like “Why do you think you would be an asset to our team” and “What do you like to do in your free time” as well. Are you prepared to answer questions about your schooling or experience? What classes did you take, what was your favorite part about this class, what did you learn from this job, why did you leave this company? Be ready for it all!
Third, and this doesn’t mean third most important, be confident and work on your confidence. The first two tips I just talked about should help with this. Go into the interview like you want the job and you’re going to get the job. Act like you’ve been in this position before. Don’t go in and mumble answers or talk so quietly the interviewer has to ask you to speak up. This is your job, you’re going to own it and be a huge asset to the company.
Check out the rest of the article here
Twitter: @R_2_E
Facebook/ YouTube: Road 2 Excellence
Infinity Intuition
contact@johnbrocious.com

3 Easy Ways You Can Make Money Today

It’s no secret the world revolves around money. As much as we don’t want it to, our world does too. We need it to do the things we love and have the things we want.

There is nothing wrong with wanting more money. Take a look at how you can easily make some money today.

  1. Sell something

Do you have clothes laying around that you haven’t worn or don’t like? What about that fitness product you bought off the TV and haven’t touched? Do you have old books or electronics? How about any jewelry you know you don’t need anymore?

Whatever you’re not attached to, get rid of it. This is one of the easiest things you can do today that will first free up some space in your house, but second, allow you to buy something you would actually want to have tomorrow.

Don’t know where to sell? Try these:

Let Go

Facebook – just open your app and click on the little store icon

eBay

Craigslist

Bonanza

Plato’s Closet – for your clothes

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2. Online Surveys

Is it the most glorious way to make money? No. But can you do it from anywhere at any time? Yes.

Money Pantry came out with an awesome article on some really great survey sites here.

Taking online surveys are not something you would get rich doing, but it’s a great way to make some extra money while you’re sitting there catching up on your Netflix shows.

Some people make an extra $50 a day just from taking surveys. Think about what an extra $50 could do for you. And over the course of a year, maybe you do 200 days of surveys and make only $30 each day… our calculators told us you can make $6000!

We’ve tried a couple sites on our own. Here they are:

Survey Savvy

MySurvey

HarrisPoll

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3. Perform a service

We’re all good at something. Commission what you can do for others to make some extra cash.

This might be gardening, landscaping, makeup, hair styling, drawing, painting, home improvement, craft work, automotive work, photography, cleaning, etc.

You could tutor or teach people on a subject you know really well. Maybe you don’t want to actually go out and DO what you’re good at, so this alternative is a great option.

You’re able to be your own boss and charge whatever you want. This option comes with risk and reward.

You have to find customers yourself (unless you want to pay people) and you would have to do all the work yourself (unless you want to pay people). If you’re slacking, you make less money.

If you’re hustling… you get to keep all the money (likely cash), you build a name for yourself (hopefully in a good way), and you can work when you want.

When charging a price, we suggest you charge at least a little bit less than the average industry price of whatever it is you’re doing. After all, if this is under the table, you won’t have to tax yourself, and you will appeal to more customers.

You can market yourself by word of mouth, social media, guest- writing on blogs (like you can for us at Infinity Intuition), or pay for marketing. We suggest the first three because they are all free.

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Let us know which services you can provide, and we might be able to help as well!

If you have more ways to make money RIGHT NOW, comment and let everybody know.

Don’t forget to like and share to help everybody else too!

We are looking for writers from outside of the United States, let us know if you would like to tell the world about what it’s like in your country and why it might be a great place to visit!

~I

Twitter: @infinityintuit 

Instagram: @infinityintuition

Facebook: InfinityIntuition

Financial Planning You Need to Know Right Now

With the City of Philadelphia finally returning back to work and beginning to recover from a glorious Super Bowl Championship the market has started to return as well. It’s incredible to see over time the drastic changes in the sports world from training techniques, protective equipment, all the way to technology used to prepare for these events. Similar to most aspects of life in this sense that everything is constantly evolving and very rarely is something that was the best option 10,20,30 years ago still viewed as the best option today. The financial world as far as planning for your own financial freedom is no outlier in this sense.

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The scariest thing to hear being in the financial services industry is a kid fresh out of college or in his early 30’s planning for his future the same way his parents did. While the life knowledge and experiences they have had can be used as great learning tools, the world of planning is drastically evolving. For example. Let’s say your parents are 50-60+ years of age. If you took a vote in a room of how many adults have pensions most likely 75-80% of them would raise their hands and that would supplement at least half of their retirement planning and their own investments or 401(k) would cover the other half. Very little planning had to be done to make sure they were properly prepared after the end of their working years. Nowadays, if you asked a room of 20,30,40 year old’s how many of them have pensions I’d be shocked if more than 2-3 of them actually did. The new wave of planning is night and day different from that of elder generations. So, while your parent’s advice can always be taken as food for thought it is important to realize that times are changing and the cards you are dealt are not the same deck of cards that their generation was dealt.

The other aspect that no one speaks about is taxation in various investment and retirement accounts. This is a critical aspect of the planning realm that rarely is education offered about. Certain accounts you can pay taxes now and can come to you tax free upon withdrawals, other’s you can differ taxes and then pay upon withdrawal. Obviously I don’t have crystal ball to tell you whether taxes are going to be higher or lower in years to come, but I’d say most likely you will be in a higher household income tax bracket than you are today at time of retirement. So I’ll leave it up to you if you think it’s smarter to pay taxes now on your money or in 20,30,40 years. If you have any questions about any of this or would like to discuss your own potential options please feel free to reach out! My contact information is listed below.

Casey O’Donnell, MBA

Financial Services Professional

MassMutual Greater Philadelphia

2 Bala Plaza, Suite 901

Bala Cynwyd, PA 19004

Phone: 610-747-3128
   Cell: 215-407-3050

Fax: 610-664-1220

CaseyODonnell@FinancialGuide.com

   

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Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its affiliated U.S. insurance companies. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies.  

Casey O’Donnell is a Registered Representative of and offers securities through MML Investors Services, LLC. Member SIPC. Supervisory Office: 2 Bala Plaza, Suite 901, Bala Cynwyd, PA 19004 (610) 660-9922.