Forget the cash, the cars, and the chiseled jawlines. Female desire operates on a completely different frequency. Primal. Subconscious. Triggers that bypass her logic and hit her on a gut level. Most guys are totally blind to them.
I know because I was one of them. The overthinking. The paralysis. The silent drive home kicking yourself for freezing up. Watching average guys walk away with the girl while you stood there stuck in your own head.
Then I decoded the psychology behind what actually makes women tick. 22 hard rules. Subtle behavioral shifts that rewired my entire reality. The anxiety evaporated. Women started leaning in. Investing. Chasing.
Lol, seriously?you’re right. I’m actually top 1%
Infographic: How much pay makes you a top earner in the UK?
This infographic shows the average annual gross pay of UK employees in the top earning percentiles in 2019.www.statista.com
Why did you divide the $20m in half?
I'm sure you love your children but your wife is really disrespectful. Long term this can have a huge impact on your self worth. Hopefully these are isolated incidences, if you not might be a good idea looking at option.
Early on in my life, I determined that society is setup in a way where most people are doomed to be poor and stuck in the rat race. System is built off credit. In order to build credit, you need to take on debt. There's little guidance from society for most on how to properly build credit unless you self educate, but once you turn 18 years old your thrown into the trend of borrow for college, taking out credit cards, buying a car, etc. before you've even gotten your ears wet around financial education. 401k's, pensions, the 4% rule, etc. are designed in way to keep most people enslaved in debt for the majority. Those that believe in these things, more power to you but when the government's sole interest is to keep the rich, rich, and make them even richer while keeping the poor complacent and naive, I tend to not follow the herd.
You can skip the expensive cars, the fancy clothes, and the endless gym selfies. Completely unnecessary.
I used to freeze the second a beautiful woman looked my way. Frustrated. Awkward. Watching other guys walk away with the girl while I stood there tongue-tied.
Then I discovered 22 simple rules that rewired my entire dating life. The anxiety vanished. Conversations flowed effortlessly. Women started chasing me for a change.
These rules trigger a woman's subconscious attraction switches. And you can start using them tonight.
Yeah but that’s not reality my friend. You are top 3%.
If my wife says that to me I will check that shvt real quick. She knows better, There are plenty of women that happy to take her place.
Amen!
Absolutely agree, the system is basically designed to keep people as debt slaves their entire lives. Simply having a middle class salary and saving 10% a year, not going to work out for most. When you are salaried and have a dependable income and incremental raises, most just eat those up in lifestyle inflation. You have to either have successful parents who teach you about asset ownership/business to look at money differently or self educate. You really have to take on the responsibility to understand what you are investing in and not just count on someone else to do it for you. One of the most important aspects engrained in you when you are a business owner compared to an employee is that your income can be extremely volatile year to year. You are also just one major lawsuit or event away from having to completely start over. Because of this always being a possibility, in the good times, you really build up that war chest and become more reluctant to take on luxury lifestyle liabilities until you can actually afford it. For myself, once I got all my debt paid off and my business to a high income, around year 5. The next 7yrs I saved/invested over 50% of my income. Ill add a few of my observations on what matters
federalnewsnetwork.com
If you have no investment experience, people should not listen to your advice on retirement.
By "absolutely agree", I hope you exclude claims that pensions are "scam investments" and 401ks do not keep up with inflation.
If three or four people time the markets in a given year, one of them will beat the market by luck. If you call market timing "impossible", that lucky person could assume they can ignore your advice since the impossible happened. I would say market timing fails over years. It may work for a few years, but the odds fall every year.
What makes any of your comments and claims here valid when you haven't shared anything?
equable.org
www.theguardian.com
If you want to understand how the markets work, watch this insider scoop from O'keefe's Media Group who goes undercover to interview a blackrock employee that discusses how they manipulate markets with insider information, lie to the public about what investments and inversely trade against the public normies, as well as buy off both sides of politicians with all their gains to influence decision making. He also explains how most normal people are too stupid to understand any of this and how the world works. Sounds very much like @FlirtLife and other's that believe they're doing themselves service by following any of the investing principle's that have been mentioned here.
Just keeping it brief. Of course not impossible and we all get lucky but unless you are one of the top investors it is a long term losing strategy. You do not want to build bad habits, eventually will pay the price. Agree the average investor will be served best to have a passive strategy. It takes many years of experience, aptitude, expensive lessons and being a student to have any sort of insight or edge. Any "hot" investment, usually by the time the general public participates the majority of the gains are gone and will most likely have a correction. I have made the most money on my investments when nobody paid attention and accurately predicted a future trend. You catch the entire move but need to be patient and properly assess the opportunity. If you do not want to be "average" that is how you can do it. Takes a lot of work and sacrifice though
Each pension is different but most of them are incredibly underfunded, most likely will not get many of the benefits promised. Everything is not necessarily a "scam" but it not how the majority of wealthy get there. If you want real financial independence early, going to be hard with just a 401k. It is better than nothing but is a slow long grind and many will not have enough to retire or keep up their living standards. The "scam" to me is the standard layout most make accumulating massive amounts of debt that you work your entire life to pay off. In my opinion, not the ideal way to do it. You have to have an above average commitment to get there.
I think you are missing the point. If you want to be above average you can't do what average people do. It isn't just making a few bets but a lifetime commitment to constantly learning, taking risks and properly allocating your money. The average person will not do this, above average people do do this
You said "which is documented"... where? Keep in mind if you only document gains, and ignore losses, that's an easy way to claim success. It would be like recommending Bitcoin every year, and taking credit for someone doubling their NW and ignoring when they lose 80% of their NW.
The 4% rule isn't an investment. Where did I recommend an investment, let alone "herd mentality investments"? Can you quote the specific investment I recommended? And yet you don't answer either of my questions [1], and instead lash out by calling me a "dumba$$" [2], which says more about you than me.
[2]
I don't expect the average person reading here to be above average. If I tell them to start businesses until they succeed, that will not motivate someone to work 80 hours/week as CEO of multiple failed companies before they succeed. Ownership is a better path to wealth than asset allocation. But for the average person - the average poster - I think the goal is reducing mistakes. Avoiding asset allocation mistakes can bring someone more than they had. I don't expect a post in here to make someone rich, just richer.
I think we are just referencing two different scenarios. What I was speaking about is if you want to achieve higher than average results and financial independence with options. If someone is not going to put the work in and dedicate themselves, I agree, reduce risk and go the safe route. The average person from the United States with average strategies will not have enough at retirement though. This forum is under "wealth and success" and focused on self improvement, so just sharing my opinion and observations on how to get there. In my opinion, just being average is no longer enough to have a high level of quality of life.
Wait so you don't earn anything worth mentioning, haven't acquired anything worth mentioning, don't understand pensions, don't understand the financial system, don't understand economics but you are lecturing on building wealth?You said "which is documented"... where? Keep in mind if you only document gains, and ignore losses, that's an easy way to claim success. It would be like recommending Bitcoin every year, and taking credit for someone doubling their NW and ignoring when they lose 80% of their NW.
I asked "Why did you divide $20m in half" [1] when applying the 4% rule. You have no answer for that? A direct question about how $20m pays for someone's retirement, and all you can do is attack me? What I see is someone who lacks an understanding of investment, so you make up BIG and ROUND numbers like $20,000,000. But your response is to call me a "dumba$$" [2] - what does that say about you?
For other posters, you apply 4% times your retirement portfolio as a rough estimate of what annual spending that portfolio supports. Someone with a $5 million portfolio x 4% = $200,000/year. The Trinity Study assumed a 60/40 portfolio for 30 years, which is where the 4% rule comes from. I'd suggest retirement simulators for that same calculation today, but at least the 4% rule gets you an estimate. If OP is saving $50k on a $250k salary, they could support their spending with $5 million. Note how dramatically the 4% rule differs from AAA's suggestion of $20m - off by a factor of 4. As to who is more likely to be right... my suggestion has a page on Investopedia, while locating the source of AAA's suggestion requires consulting his proctologist.
What Is the 4% Rule for Withdrawals in Retirement?
Discover the 4% rule for retirement withdrawals, a strategy to make your savings last. Learn how it adjusts for inflation and helps manage your financial future.www.investopedia.com
The 4% rule isn't an investment. Where did I recommend an investment, let alone "herd mentality investments"? Can you quote the specific investment I recommended? And yet you don't answer either of my questions [1], and instead lash out by calling me a "dumba$$" [2], which says more about you than me.
[1]
[2]
Are you aware of what hyperinflation even is? Hyperinflation is 50% inflation month over month. Right now the government has put us at maybe 4-5% year over year. Unless I'm retarded I don't see how 4-5% year over year is anywhere close to 50% month over month.
This doesn't make any sense. Interest rate hikes are designed to increase the cost of lending and subsequently force companies to lay people off (which reduces the consumer's discretionary spending) to protect their profits as well as reduce corporate spending which ultimately circulates money out of the economy to slow down inflation.
