Go to http://public.com/graham and use code GRAHAM and you’ll receive a randomized free stock worth up to $1000 once you open an account – Enjoy! Here is EXACTLY how much money you need to invest by every age – Enjoy! Add me on Instagram: GPStephan
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AGE 20: Average Net Worth: $39,915
1. GET A CREDIT CARD
The point is to begin building up your credit score as soon as possible, and since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for…this is something you should do immediately.
2. OPEN A ROTH IRA
This will allow you to invest $6000 per year and grow your money COMPLETELY TAX FREE by the age of 59.5…meaning, by the time you’re older…everything is pure profit.
3. SAVE 20% OF YOUR INCOME
4. INVEST IN THE MARKETS
AGE 30: Average Net Worth: -$1043
1. GET A CREDIT SCORE OF AT LEAST 750
2. BE BAD-DEBT FREE BY 30 YEARS OLD
This means you’ve paid off any loans or debt that’s above a 5% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low interest rate mortgage or student loan…you don’t have anything weighing you down.
3. HAVE A 3-6 MONTH SAFETY FUND
4. AIM FOR 1X YOUR SALARY SAVED
AGE 40: Median Net Worth: $80,000
1. MAX OUT RETIREMENT ACCOUNTS ANNUALLY
2. MAXIMIZE YOUR EARNINGS
3. HAVE A BUDGET – NO MATTER WAHT
4. KNOW HOW MUCH YOU NEED TO RETIRE
The rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending INVESTED in order for that money to last you without running out.
AGE 50: Median Net Worth: $212,000
1. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES
2. BE CLOSE TO PAYING OFF YOUR MORTGAGE
3. HAVE A CLEAR PLAN FOR RETIREMENT
AGE 60: Median Net Worth: $266,000
1. AIM FOR 10-12X YOUR SALARY SAVED UP
2. PAY OFF YOUR PRIMARY RESIDENCE
4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTS
Obviously, this is only going to be a rough ballpark and some people may be way ahead or way behind this – but, that’s not important – it’s more important to realize that NOW is the best time to begin working towards these goals, and showing you that – the sooner you start – the easier it’s going to be…even if you’re not as far along as you would’ve liked.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/.
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
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