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Are your IRA rollovers actually costing you extra advisor fees? Learn why financial advisors push certain accounts and how to spot conflicts of interest before you move your money. This breakdown helps you decide if rolling over your 401(k) is the right financial move or just a payday for your advisor. Ask your advisor these specific questions to keep more of your retirement savings. Subscribe for more practical retirement planning tips. Until next time, keep building your freedom—one tiny teaching at a time." 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion : https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰

A financial projection can only measure who you are today—not who you might decide to become. Is your income growth actually hitting a ceiling? After a tough meeting, I started questioning the assumption that my earnings will stay stagnant forever. This talk explores the reality of financial anxiety and how to rethink your saving habits when the future feels uncertain. Let me know your thoughts on career growth in the comments. #StartingOverAfter50 #RetirementPlanning #FinancialFreedom #LateBloomers #OurBlackUtopia 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion : https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰 All Super Thanks and Super Chat $$ goes to our scholarship fund to help someone else create their utopia 💵 CashApp $ourblackutopia ☕️ Buy Us a Coffee: https://ko-fi.com/ourblackutopia 🏦Paypal: paypal.me/coachhalisi 📚LEARN MORE FREE RESOURCES 📖 https://bit.ly/OBU-Resources *Ready to Retire Toolkit - https://bit.ly/Ready2RetireToolkit *Investing FAQs, the basics *Budget Travel Tips *Scouting Trip Checklist: bit.ly/ScoutingTripChecklist Get our weekly email updates and insights: https://bit.ly/ourblackutopia

The financial advisor said 70. We said no. We were told we'd have to work until we were 70 — and that retirement would mean my husband caring for my father, not living our lives. We rejected that projection. We built a net worth of more than $1.1 million after starting with a negative net worth in our 50s — and we did it by becoming beginners again.In this video, we walk through the exact mindset shifts that got us from "starting over" to financial independence and a life abroad:📌 A projection is not a prophecy 📌 You cannot imagine what you have never seen 📌 Starting over requires becoming a beginner again 📌 Small decisions can change your entire trajectory 📌 Your dream is allowed to grow. Starting over after 50 is not starting from nothing. It's starting from experience. Your age is not a closing argument. Your past is not a prison sentence. If you're trying to create more freedom, more purpose, and more options after 50, welcome to Our Black Utopia. 💎 BEYOND THE BLING 3.0: Build a financial independence plan designed for late bloomers: https://bit.ly/BeyondTheBling4FI 🙋🏾‍♀️ BOOK A 1:1 STRATEGY SESSION WITH HALISI & RIC: https://bit.ly/bookacall_obu Tell us in the comments: – What was the best retirement you once thought was possible for you? – Has that picture changed — and if so, what changed it? – Finish this sentence: "I am not too old to ___" 👍 Like this video if it hit home 🔔 Subscribe and hit the bell so you don't miss what's next ⭐ Become a channel member — Super Chat & Super Thanks go directly to our scholarship fund#RetirementAfter50 #FinancialIndependence #StartingOver #BlackTravel #ExitPlan 🎁 FREE LATE BLOOMERS ONE-PAGE MONEY PLAN: https://bit.ly/OnePageFreedomBlueprint 🏖️ FREE READY TO RETIRE TOOLKIT: https://bit.ly/Ready2RetireToolkit ABOUT OUR BLACK UTOPIA We’re Halisi and Ric. After reaching our 50s with a negative net worth, we completely rebuilt our relationship with money, grew our net worth to more than $1.1 million, retired, and moved abroad. Now we help other late bloomers get their money straight, build options, and create their own versions of financial freedom. 📺 Subscribe: https://bit.ly/ourblackutopia_youtube 💎 Become a Channel Member: https://bit.ly/become-a-utopian 👕 OBU Merch: https://bit.ly/OBU-MerchShop 📰 OBU Substack: https://bit.ly/OBU-Substack This content is for educational purposes only. We are financial educators, not financial advisors. Consider your circumstances and consult qualified tax, legal, and financial professionals before making major financial decisions. #RetirementPlanning #FinancialIndependence #RetirementAfter50

Is leaving your 401k with an old employer a mistake? Learn the criteria for deciding whether to keep it or pursue a 401k rollover. Many people assume moving funds is required after quitting a job, but that is not always the case. You might be better off leaving your 403b or 401k account alone if the plan offers low fees and solid investment options. This guide walks you through the specific criteria to check before you decide to move your money or stay put. Subscribe for more retirement planning advice. Until next time, keep building your freedom—one tiny teaching at a time." 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion : https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰

Stop letting old 401k accounts leak money from your retirement plan. Forgotten retirement funds often sit stagnant while missing out on significant growth potential. This video explains why tracking down your old 403b and 401k accounts is essential for your long-term financial health. Subscribe for more practical tips on managing retirement funds effectively. #401k #RetirementPlanning #FinancialFreedomAfter50BECOME 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion : https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰 All Super Thanks and Super Chat $$ goes to our scholarship fund to help someone else create their utopia 💵 CashApp $ourblackutopia ☕️ Buy Us a Coffee: https://ko-fi.com/ourblackutopia 🏦Paypal: paypal.me/coachhalisi 📚LEARN MORE FREE RESOURCES 📖 https://bit.ly/OBU-Resources *Ready to Retire Toolkit - https://bit.ly/Ready2RetireToolkit *Investing FAQs, the basics *Budget Travel Tips *Scouting Trip Checklist: bit.ly/ScoutingTripChecklist Get our weekly email updates and insights: https://bit.ly/ourblackutopia

YOU MAY BE LOSING RETIREMENT MONEY WITHOUT LOSING A SINGLE DOLLAR. If your old 401(k) or 403(b) has been sitting on autopilot, it may be time to examine its returns, fees, and investment options. This Thursday Short was sparked by a 1:1 coaching call with a Utopian. When we compared the five-year rate of return on her old employer account with Halisi’s rollover account, the difference was stark. But the rollover itself did not create the higher return. It gave Halisi access to more equities, ETFs, index funds, flexibility, and control over how her retirement money was invested. In this episode, we break down: • Why you should compare rates of return—not merely account balances • How limited investment choices and hidden fees can affect long-term growth • Why leaving your money in an old employer plan may—or may not—be your best option • The five-part test to use before moving your retirement money • How to complete a direct rollover without triggering avoidable taxes • The 60-day rollover and 20% withholding trap • Why every retirement account deserves an annual review Some employer plans offer excellent investments, low fees, and valuable protections. Others may restrict your choices or quietly cost you money. The real mistake is leaving your retirement savings somewhere for years without knowing what you own, what it costs, or how it is performing. If you’re retired, approaching retirement, or still have a 401(k) or 403(b) sitting with a former employer, this conversation could change the questions you ask about your money. This video is for educational purposes only. Before moving retirement funds, consider your complete financial and tax situation and consult a qualified professional when necessary. #401kRollover #RetirementPlanning #FinancialIndependenceAfter50 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion : https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰 All Super Thanks and Super Chat $$ goes to our scholarship fund to help someone else create their utopia 💵 CashApp $ourblackutopia ☕️ Buy Us a Coffee: https://ko-fi.com/ourblackutopia 🏦Paypal: paypal.me/coachhalisi 📚LEARN MORE FREE RESOURCES 📖 https://bit.ly/OBU-Resources *Ready to Retire Toolkit - https://bit.ly/Ready2RetireToolkit *Investing FAQs, the basics *Budget Travel Tips *Scouting Trip Checklist: bit.ly/ScoutingTripChecklist Get our weekly email updates and insights: https://bit.ly/ourblackutopia

AI isn't coming someday—it's already changing the way we work. But history shows that the biggest winners aren't the people who fear new technology... they're the people who learn to use it. The real question isn't whether AI will replace jobs. It's whether you'll be ready when it does. #AI #FutureOfWork #SideHustle #FinancialFreedom #LateBloomers #OurBlackUtopia 💎BEYOND THE BLING 3.0: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion: https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰 All Super Thanks and Super Chat $$ goes to our scholarship fund to help someone else create their utopia 💵 CashApp $ourblackutopia ☕️ Buy Us a Coffee: https://ko-fi.com/ourblackutopia 🏦Paypal: paypal.me/coachhalisi 📚LEARN MORE FREE RESOURCES 📖 https://bit.ly/OBU-Resources *Ready to Retire Toolkit - https://bit.ly/Ready2RetireToolkit *Investing FAQs, the basics *Budget Travel Tips *Scouting Trip Checklist: bit.ly/ScoutingTripChecklist Get our weekly email updates and insights: https://bit.ly/ourblackutopia 🏡Get on the wait list: REAL ESTATE INVESTING MASTER CLASS https://bit.ly/obu-realestate-masterclass ============================= OUR BLACK UTOPIA - our email address can be found under the “About” tab on our YouTube channel: *Some of the links below are affiliate links, meaning if you click through and make a purchase, we may receive a commission at no cost to you.* ============================= 🇵🇹ALL THINGS PORTUGAL 🇵🇹 LET THEM KNOW YOU WERE REFERRED BY OUR BLACK UTOPIA. Residency VISA Help: Zach and Anna –Start Abroad - (Portugal, Panama, Costa Rica, and Spain coming soon) www.startabroad.com/aff/ourblackutopia RelocateToPortugal - Gail - relocatetoportugal.com Get Your Portuguese NIF & Bank Account from the US or get your Portugal taxes filed: https://www.bordr.io/?via=anewdawnproductionsincdbaourblackutopia Serenity Healthcare Concierge: https://bit.ly/serenity-medical-concierge ============================== ✈️TRAVEL & MOVING ABROAD 🚆 70% off the first 1 on 1 language lesson - starts at $4/hour: https://bit.ly/obu_languagelesson Learn Spanish from my tutor, Laura: https://aepspanish.com/ 25% Discount for Trusted HouseSitters: https://bit.ly/obu-trustedhousesitters Good Bank for F.I.R.E.: https://ally.com/referral?code=2G3P5M5S8B Luggage/Deployment Bags we used: https://amzn.to/3LqVmYm Ship Your Luggage: https://www.sendmybag.com/?affid=542034 Google FI cell service for travelers: https://g.co/fi/r/91R1NA (if you often travel, get a local SIM within a day or two of when you land) Nord VPN - keep your data safe while surfing around the world: https://ref.nordvpn.com/yHjBsmdLyMu Our preferred Travel Rewards Cards: American Express: https://americanexpress.com/en-us/referral/american-express-green-card?ref=HALISVhpiN&XLINK=MYCP Chase Sapphire: https://www.referyourchasecard.com/19p/ZONWDPS6SZ Transfer $ Internationally - Wise (formerly TransferWise): https://wise.com/invite/spu/halisiv ______________________________________ 📚OUR BOOKSHELF 📚 CASHING OUT: win the wealth game by walking away: https://amzn.to/3UgAFSN START LATE FINISH RICH: https://amzn.to/4boQ1Mp TAKE STOCK: https://amzn.to/3PqyL1J THE BEARDSTOWN LADIES' COMMON-SENSE INVESTMENT GUIDE: https://amzn.to/3zWAvu8 HOW WE BEAT THE STOCK MARKET - AND HOW YOU CAN TOO: https://amzn.to/4eIZWPC Get Good with Money: Ten Simple Steps to Becoming Financially Whole: https://amzn.to/3E6ywn0 Choose FI: https://amzn.to/3UtcTmI Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't: https://amzn.to/3dPzmK7 ================= We are not financial advisors, but financial educators. The content in our courses, on our website, and on our YouTube videos are for educational purposes only and merely cites our own personal opinions. In order to make the best financial decision that suits your needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary

Black Americans are asking a question we've never had to ask on this scale: Where is it safer to build a life? For many of us, this isn't just about crime. It's about political stability, civil rights, economic opportunity, community, healthcare, and whether another country shares values that matter when you're planning your future. A recent historic U.N. vote recognizing the transatlantic slave trade and racialized chattel enslavement of Africans as crimes against humanity provides a timely reason to have this conversation. How should Black Americans evaluate whether another country is a safer place to build a future? We'll discuss the factors that matter most, examine what recent world events may reveal about national values, and explore why more Black Americans are creating a Plan B while they still have options. 💎BEYOND THE BLING: Financial Freedom Blueprint for LateBloomers 🔥https://bit.ly/BeyondTheBling4FI ❄️Winter OBU Reunion: https://bit.ly/OBUReunions 🙋🏾‍♀️ Book a 1:1 Consultation: Book a Call with Halisi & Ric: https://bit.ly/bookacall_obu 🏖️ Ready to Retire Toolkit-FREE: https://bit.ly/Ready2RetireToolkit 🗺️ Move Abroad Toolkit: https://bit.ly/moveabroadtoolkit 🎁 Download your FREE Late Bloomers One-Page Money Plan: https://bit.ly/OnePageFreedomBlueprint 👕GET YOUR OBU MERCH 🧢: https://bit.ly/OBU-MerchShop 😎OBU REUNIONS (meetups): https://bit.ly/OBUReunions BECOME A CHANNEL MEMBER: https://bit.ly/become-a-utopian Free Subscription: h://bit.ly/ourblackutopia_youtubettps 👨🏾‍💻Our website: ourblackutopia.com 🚢Luxury Travel for less List:🚢 https://ourblackutopia.thinkific.com/products/digital_downloads/obutravelguidetoaffordableluxury CONTACT RIC & HALISI: https://bit.ly/OBU-HomePage 📰OBU SUBSTACK - Substack: https://bit.ly/OBU-Substack MeetUp mailing list for future meetups: https://subscribepage.io/OBU-Summer-Meetups 💰SUPPORT THE CHANNEL 💰 All Super Thanks and Super Chat $$ goes to our scholarship fund to help someone else create their utopia 💵 CashApp $ourblackutopia ☕️ Buy Us a Coffee: https://ko-fi.com/ourblackutopia 🏦Paypal: paypal.me/coachhalisi 📚LEARN MORE FREE RESOURCES 📖 https://bit.ly/OBU-Resources *Ready to Retire Toolkit - https://bit.ly/Ready2RetireToolkit *Investing FAQs, the basics *Budget Travel Tips *Scouting Trip Checklist: bit.ly/ScoutingTripChecklist Get our weekly email updates and insights: https://bit.ly/ourblackutopia ============================= OUR BLACK UTOPIA - our email address can be found under the “About” tab on our YouTube channel: *Some of the links below are affiliate links, meaning if you click through and make a purchase, we may receive a commission at no cost to you.* ============================= 🇵🇹ALL THINGS PORTUGAL 🇵🇹 LET THEM KNOW YOU WERE REFERRED BY OUR BLACK UTOPIA. Residency VISA Help: Zach and Anna –Start Abroad - (Portugal, Panama, Costa Rica, and Spain coming soon) www.startabroad.com/aff/ourblackutopia RelocateToPortugal - Gail - relocatetoportugal.com Get Your Portuguese NIF & Bank Account from the US or get your Portugal taxes filed: https://www.bordr.io/?via=anewdawnproductionsincdbaourblackutopia Serenity Healthcare Concierge: https://bit.ly/serenity-medical-concierge ============================== ✈️TRAVEL & MOVING ABROAD 🚆 70% off the first 1 on 1 language lesson - starts at $4/hour: https://bit.ly/obu_languagelesson Learn Spanish from my tutor, Laura: https://aepspanish.com/ 25% Discount for Trusted HouseSitters: https://bit.ly/obu-trustedhousesitters Good Bank for F.I.R.E.: https://ally.com/referral?code=2G3P5M5S8B Luggage/Deployment Bags we used: https://amzn.to/3LqVmYm Ship Your Luggage: https://www.sendmybag.com/?affid=542034 Google FI cell service for travelers: https://g.co/fi/r/91R1NA (if you often travel, get a local SIM within a day or two of when you land) Nord VPN - keep your data safe while surfing around the world: https://ref.nordvpn.com/yHjBsmdLyMu Our preferred Travel Rewards Cards: American Express: https://americanexpress.com/en-us/referral/american-express-green-card?ref=HALISVhpiN&XLINK=MYCP Chase Sapphire: https://www.referyourchasecard.com/19p/ZONWDPS6SZ Transfer $ Internationally - Wise (formerly TransferWise): https://wise.com/invite/spu/halisiv ______________________________________ 📚OUR BOOKSHELF 📚 CASHING OUT: win the wealth game by walking away: https://amzn.to/3UgAFSN START LATE FINISH RICH: https://amzn.to/4boQ1Mp TAKE STOCK: https://amzn.to/3PqyL1J ================= We are not financial advisors, but financial educators. The content in our courses, on our website, and on our YouTube videos are for educational purposes only and merely cites our own personal opinions. In order to make the best financial decision that suits your needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary