Start Small, Grow Big

Investing $100 in the stock market back in 1975 assuming dividends were reinvested would be worth over $34,000 by 2025. Even after adjusting for inflation, that’s a significant return. Now imagine you had invested $100 every month for 50 years. That simple, steady strategy could yield over $3.1 million.

The takeaway? It’s not about waiting until you have a “lot” to invest it’s about starting now and staying consistent.

Lay the Financial Groundwork First

Before diving into investments, make sure your financial house is in order. Here’s how:

• Emergency Fund: Save at least $2,000 in an accessible account to handle unexpected expenses without falling into debt.
• Pay Off Credit Cards: With interest rates as high as 18-25%, credit card debt grows faster than any investment. Pay it off before putting money in the market.

Think of this step as building a stable foundation—necessary before you add floors.

Invest in Tools That Increase Income

Not all investing is in stocks. Smart spending can also mean investing in tools that boost your income.

Take AI platforms like ChatGPT or Claude. With just $100, you can access powerful tools to automate emails, build leads, and scale small businesses. For example, a window cleaner using AI for lead gen could book a $2,000 job off one AI-assisted message. That’s a 20x return.

Use Books to Boost Your Financial IQ

Knowledge compounds just like money. Begin with personal development books to shift your mindset, then move into:

• Money Management
• Investing Strategies
• Career Growth
• Leadership
• Biographies of Financial Success Stories

Reading widely and deeply can give you the tools to make smarter money moves.

Know Your Investment Style: Passive vs. Active

There’s no one-size-fits-all strategy:

• Passive Investing: Buy index funds like VTI or SPY. You’ll track the market without needing constant research. It’s low-cost and effective.
• Active Investing: Research individual stocks, track market trends, and make strategic buys. While riskier, the rewards can be significant if you know what you’re doing.

Both strategies work. The key is consistency and clarity on your goals.

Common Mistakes to Avoid

• Day Trading: Most day traders lose money. It’s not investing it’s gambling.
• Waiting to Have “Enough”: Start with what you have. Waiting costs you the one thing you can’t buy back: time.
• Chasing Hype: Don’t make decisions based on TikTok, Reddit, or CNBC soundbites. Do your own research.

Smarter Active Investing in 2026 and Beyond

If you lean toward active investing, prepare to commit. Successful investors:

• Research earnings, news, and financial statements.
• Think long term (minimum 1-year holding).
• Stay calm when the market isn’t.

By early 2026, a new AI-powered research tool will help investors streamline this process. It could level the playing field for individual investors against Wall Street pros.

How Consistency Builds Millionaires

Investing $100 a month may not feel exciting, but over 30–40 years, it’s a millionaire-making move. That’s because of the TRM formula:

• Time
• Rate of return
• Money invested

Time is the multiplier. Even modest returns grow exponentially when combined with consistency.

Only Invest When You’re Ready

You can’t invest wisely if you’re stressed about bills. First:

• Save $2,000.
• Eliminate high-interest debt.
• Look for ways to increase your income.

Once you’ve got breathing room, direct surplus funds toward investments. That’s smart, sustainable money management.

Use Education as a Wealth-Building Weapon

Don’t just throw money into the market. Take courses, attend webinars, and follow credible financial voices. If you learn something valuable, share it with others. Building wealth is easier when you build community too.

Watch the Bigger Picture: National Debt and the Economy

The U.S. government’s $37 trillion debt has real implications. Tax dollars are being funneled into interest payments rather than infrastructure or innovation. Some propose hedging with gold or crypto, but many people don’t fully understand the risks.

Smart investors don’t ignore these macro trends they learn how to position themselves no matter the economy.

Final Thought: $100 Is Enough to Begin

Wealth doesn’t start with a windfall it starts with a decision. Whether it’s your first $100 or your first $10,000, what matters is using it wisely. Build your base, educate yourself, and commit to the process.

Start now. Stay consistent. And let time do its magic.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post How to Build Wealth from Just $100 a Month appeared first on ROI TV.

Why This Innovation Matters Now

The automotive world is undergoing a transformation. Electric drivetrains, ADAS systems, and vehicle-to-everything (V2X) communication are reshaping how we drive. But tires—our only contact with the road have remained largely overlooked. Pirelli is changing that narrative by embedding sensors into tire tread to collect real-time data on pressure, temperature, load, tread wear, and even road surface conditions.

This data doesn’t just stay inside the car. It connects with electronic stability control, anti-lock braking, and traction control systems, then flows outward into vehicle-to-vehicle (V2V) and vehicle-to-infrastructure (V2I) channels turning the tire into a live participant in a connected mobility network.

From Rubber to Real-Time Intelligence

Pirelli’s Cyber Tyre is the first production-ready tire to stream live data directly to a vehicle’s electronic systems. This leap turns a passive component into a vital node in a software-defined vehicle architecture providing feedback no radar or lidar system can offer on its own.

That means more responsive safety features, better ride dynamics, and smarter vehicle coordination in dense urban environments. The result? A vehicle that knows exactly how it’s gripping the road at every second.

How It Stands Out From the Pack

Traditional tire tech stops at passive safety think run-flats, pressure monitoring, and smart rubber compounds. Cyber Tyre goes far beyond, offering full V2X integration and sensor-to-network communication. No other manufacturer has matched this level of embedded, functional intelligence within the tire itself.

Sure, questions remain about durability, serviceability, and long-term cost but for high-end vehicles and OEMs aiming at autonomy or smart-city integration, the benefits far outweigh the challenges. Tyres, once disposable, are becoming indispensable components in connected vehicle ecosystems.

Who Benefits Most?

• Premium Car Buyers: For those prioritizing performance and safety, Cyber Tyre enhances traction, braking, and data feedback in real time.
• Fleet Managers: Predictive maintenance and road condition insights offer cost savings and uptime improvements.
• Smart Cities and Infrastructure Planners: Live road-condition data can optimize traffic flow, emergency response, and autonomous vehicle routes.
• OEMs and Tier 1 Suppliers: Cyber Tyre adds a new layer of data input for future vehicle platforms.

For commuters in budget EVs or ICE vehicles, this tech may be overkill for now. But as V2X systems become more standard, Cyber Tyre’s utility will scale down much like ABS and ESC once did.

Long-Term Impact: The Tyre as a Smart Mobility Platform

The Cyber Tyre isn’t just a new product it represents a systemic shift. By making tires part of the sensor array, Pirelli helps define the future of the software-defined vehicle (SDV) where every component contributes to centralized intelligence.

In the long run, Cyber Tyre could:

• Reduce accidents by detecting road hazards earlier.
• Improve sustainability by optimizing tire wear and maintenance.
• Enable smarter navigation by sharing live road surface and load data.

Pirelli’s CTO, Piero Misani, calls it “a key technology for the future of smart mobility.” With production already underway for premium vehicles and expansion planned for broader models this innovation may soon be rolling under your next car.

Bottom Line?
Tires are no longer just about grip. They’re about data, safety, and connectivity. And Pirelli’s Cyber Tyre proves that even the most traditional components can be reimagined for the digital age.

The post Pirelli Cyber Tyre Turns Tires into Data-Driven Safety Systems appeared first on ROI TV.

1. A Psychological Shift in Mindset
One of the most profound changes has been how we think about retirement. Previous generations, shaped by the Great Depression, clung to a scarcity mindset. They often saved obsessively and hesitated to spend even when they could afford to enjoy their retirement. Today’s retirees are different. We’re starting to use money as a tool for joy, travel, hobbies, and legacy. It’s not just about surviving retirement it’s about enjoying it.

2. We’re Living Much Longer
Life expectancy in the U.S. has increased from around 75 to nearly 79 years. That might not sound dramatic, but it means that if you retire at 65, your retirement could now stretch 20+ years a 40% increase from a generation ago. This longer retirement requires rethinking how we fund our later years, especially when it comes to health care, housing, and income streams.

3. The Death of the Pension
Thirty years ago, about 40-45% of workers had a pension. Today? That number is down to just 10-15%. Instead of employers funding our retirement, the responsibility has shifted to us. 401(k)s and IRAs are now the norm, which means we need to be more proactive than ever with our savings and investment strategies.

4. Aging Looks Different Now
In the past, retirement often signaled the beginning of decline. But today’s retirees are vibrant, active, and engaged. Advances in nutrition, exercise, and preventative health care have redefined aging. We’re not winding down we’re gearing up for a new chapter.

5. Healthcare Is the Elephant in the Room
Healthcare costs are now one of the largest retirement expenses. From Medicare premiums to long-term care planning, health-related spending demands careful financial preparation. That’s why so many of us are prioritizing health and wellness earlier because prevention is often cheaper than treatment.

6. Retirement Isn’t a Full Stop Anymore
Retirement used to mean leaving work completely. Now, many of us ease into it through phased retirement consulting, freelancing, part-time work, or starting businesses. This not only provides extra income, but also purpose, routine, and identity.

7. Inflation and Low Interest Rates Have Changed the Game
Back in the early 1990s, a 10-year Treasury bond paid about 8.2%. Today, it’s closer to 4.3%. Inflation has also fluctuated more dramatically in recent years. This combo means we can’t rely on “safe” investments to fund retirement—we need better portfolio diversification and more sophisticated strategies.

8. Technology Has Changed Retirement Lifestyles
Today’s retirees are tech-savvy. From smartphones to streaming, social media to financial apps, technology enriches our lives in ways that weren’t possible three decades ago. But it’s not all good news tech can also be isolating if we rely on it too heavily and neglect face-to-face connections.

9. Community Requires More Effort
Thirty years ago, community was often built into our lives through churches, neighborhoods, or extended family. With increased mobility and digital living, retirees today must be intentional about fostering connection. That might mean joining clubs, volunteering, or seeking out intergenerational relationships.

10. Retirement Has Become a Search for Meaning
Finally, the most beautiful shift of all: Retirement is no longer seen as the end. It’s an opportunity. Many people use this time to explore passions, give back, or even reinvent themselves. Whether it’s learning a new language, starting a nonprofit, or writing a book retirement has become about legacy, purpose, and joy.

You should always consult a financial, tax, or legal professional familiar about your unique circumstances before making any financial decisions. This material is intended for educational purposes only. Nothing in this material constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns.

Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost.

The post 10 Ways Retirement Has Completely Changed in the Last 30 Years appeared first on ROI TV.

For starters, the nature of what qualifies as a “disability” is changing. Decades ago, the majority of disability claims were rooted in heart disease, strokes, or neurological conditions diagnoses that are more visible and measurable. Today, back pain and mental illness dominate the charts. Back pain, in fact, is now the leading cause of disability for Americans under the age of 45. But back pain is also subjective, hard to quantify, and ripe for misuse. That doesn’t mean the pain isn’t real but it raises serious questions about how we define disability in today’s workforce.

Education is a major dividing line. If you have a college degree, you’re more likely to land a desk job that accommodates physical or cognitive limitations. But if you’re working in warehouses, on construction sites, or doing manual labor and your back gives out that’s often the end of the road. This has created a stark overlap between disability and poverty. In areas where educational attainment is low, disability claims surge.

And then there’s the bureaucracy. Even though the number of working-age people getting disability payments has dropped, the number of disabled people has actually grown by more than 7 million since 2014. Why the disconnect? Because the system is backed up. The wait times to get assessed for eligibility have more than doubled. Many are denied not for medical reasons, but for procedural technicalities. It’s a system that fails those it’s supposed to protect.

Worse yet, an entire industry has cropped up around it. Consulting firms get paid to shift people off unemployment and onto disability rolls. Lawyers make their money helping clients navigate a complex application maze. The end result is a disability industrial complex one that rewards cost-cutting and gatekeeping rather than care.

Looking forward, two forces threaten to make things even harder: AI and aging. As more jobs become automated, even college-educated workers may find themselves out of work and potentially filing for disability if no options remain. Meanwhile, as our population ages, more Americans will develop physical limitations but we’re also expecting them to work longer than ever before.

But not all solutions are expensive. Sometimes it’s as simple as allowing retail workers to sit during their shift. Or encouraging employers to offer remote work options. Even basic “right to sit” laws could make a massive difference. We don’t have to accept the rise of disability as inevitable. With the right policies and mindset, we can turn the tide.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post How Did America Get So Disabled? Understanding the Rise of Disability in the U.S. appeared first on ROI TV.

Medicare educator Erica Smiley from MedicareSchool.com explains that supplemental plans are labeled with letters ranging from A through N. Plans C and F are no longer available to new enrollees after January 1, 2020, leaving Plans G and N as the most popular options for today’s retirees.

Plan G is often considered the most comprehensive choice. It covers five out of six major gaps in Medicare, including the Part A deductible ($1,676), hospital co-pays, skilled nursing facility co-pays, and the standard 80/20 coinsurance split. It also includes coverage for Medicare excess charges, meaning you won’t pay extra if a doctor charges above Medicare’s standard rate. The only out-of-pocket expense with Plan G is the Part B deductible of $257.

Plan N, on the other hand, offers solid coverage at a lower monthly cost but includes more out-of-pocket potential. It covers the Part A deductible and the 20% coinsurance, but enrollees must still pay the Part B deductible ($257) and may face excess charges if they see non-participating doctors. Additionally, Plan N includes co-pays up to $20 for doctor visits and $50 for emergency room visits. For healthy seniors who don’t visit the doctor frequently, these co-pays can be a worthwhile trade-off for lower monthly premiums.

When comparing the two, Plan G covers five gaps while Plan N covers four. Plan G does not have any co-pays for office visits, whereas Plan N does. Plan N may also expose members to excess charges, though these are rare. Roughly 96–97% of doctors who see Medicare patients are “participating,” meaning they accept Medicare’s payment in full. In fact, less than 1% of all Medicare claims involve excess charges, and eight states Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont prohibit them entirely.

One of the biggest benefits of supplemental (Medigap) plans over Medicare Advantage plans is freedom. Supplemental plans have no provider networks, so you can see any doctor who accepts Medicare nationwide. There are also no prior authorizations required, allowing you to receive care when you need it. Plans are portable, meaning they travel with you if you move to another state.

Enrollment is another key factor to consider. Everyone has a six-month Open Enrollment Period (OEP) that begins the same month their Medicare Part B becomes active. During this period, you can enroll in any supplemental plan without medical underwriting, regardless of your health. Missing this six-month window can lead to medical underwriting, where insurers can deny coverage or charge higher premiums based on health history. Only a few states New York, Connecticut, and Massachusetts allow year-round guaranteed enrollment.

Cost is often the deciding factor between Plan G and Plan N. In 2025, the average Plan G premium ranges from $150 to $200 per month, with a national average of $154. Plan N typically costs between $90 and $140, saving about $30 to $50 monthly compared to Plan G. While Plan G provides the peace of mind of fewer out-of-pocket surprises, Plan N can be the smarter financial choice for those in good health who don’t mind occasional co-pays.

Despite Plan N’s cost savings, Plan G remains the most popular option, chosen by 39% of seniors with supplemental coverage. Plan N accounts for about 10%, while older Plan F policies remain in place for those eligible before 2020. Many choose Plan G for its simplicity and comprehensive protection, even at a slightly higher cost.

In summary, Plan G offers near-total coverage with predictable costs, making it ideal for those who value convenience and peace of mind. Plan N provides excellent protection at a lower price but comes with some co-pays and minor exposure to excess charges. Whichever you choose, enrolling during your initial Part B window is crucial to lock in coverage without medical underwriting. With the right plan in place, you’ll have the confidence that your healthcare expenses are well managed throughout retirement.

The post Medicare Supplemental Plans: Which Coverage Is Right for You? appeared first on ROI TV.

Understanding the 4% Rule

The 4% rule is one of the most well-known guidelines in retirement planning. It suggests that you can safely withdraw 4% of your portfolio in the first year of retirement, then adjust that amount for inflation each year thereafter. For example, if you retire with $1 million, you’d withdraw $40,000 in the first year, then increase it slightly each year to keep pace with inflation.

The idea is simple and that’s why it’s stuck around for decades. But as one listener pointed out during our discussion, the 4% rule is a guideline, not a financial plan. It doesn’t account for market volatility, unexpected expenses, or changing lifestyles. It’s a great way to estimate how much you’ll need to save, but not necessarily how to spend it once you’re retired.

What Makes Guardrails Different

That’s where the guardrails strategy comes in. Instead of sticking to a fixed withdrawal percentage, this approach allows your spending to rise and fall depending on how your portfolio performs. Think of it like driving a car: you stay between two guardrails. If the market does well, you can increase withdrawals within the upper guardrail; if it performs poorly, you reduce spending to stay within the lower one.

This approach helps retirees adjust to real-world conditions without panicking or overreacting to market swings. It’s more dynamic and, in many cases, allows for higher withdrawal rates early in retirement—precisely when most retirees want to enjoy their newfound freedom.

Real-Life Example: Joe’s Retirement Plan

Joe, a 69-year-old listener, recently retired and plans to begin collecting Social Security at 70. He has a strong financial foundation: $2.5 million in a brokerage account, $500,000 in municipal bonds, $400,000 in a Roth IRA, and $2 million in a traditional IRA. His goal? To live comfortably on about $80,000 per year.

Based on his assets and expected Social Security income, the hosts calculated that Joe could safely withdraw around $300,000 annually without jeopardizing his long-term security. That flexibility being able to draw more when markets are strong and pull back when needed is exactly what the guardrails strategy supports.

Another Case: Joe Co’s Bridge to Full Retirement

Then there’s Joe Co, age 67, who plans to retire soon but won’t start receiving Social Security or pension income until 70. He has $1.6 million in a 401(k), $100,000 in a Roth IRA, $100,000 in a brokerage account, and $50,000 in cash. His expected annual expenses are $100,000.

To bridge the three-year gap before his income kicks in, the hosts suggested drawing roughly $40,000 annually from his retirement accounts. They also emphasized the importance of maintaining a brokerage account, since taxable accounts offer more flexibility and potentially lower taxes compared to retirement withdrawals.

Harold and M’s Financial Flexibility

In another example, Harold and M have done an excellent job saving for retirement. Between them, they hold $4 million in IRAs, $800,000 in Roth and HSA accounts, and $2.8 million in brokerage assets. Their combined portfolio 75% stocks and 25% bonds is well diversified.

They currently spend around $160,000 annually, with plans to increase that amount by 4% per year. With homes in both Colorado and California valued at over $2 million and no mortgage debt, they’re in a strong position. However, their move to California raises tax planning concerns, since the state’s top rate is 13.3%.

To prepare, they plan to accelerate Roth conversions over the next five years while still in Colorado, aiming to stay within the 24% federal tax bracket rather than the 32%. This smart timing helps them reduce future tax burdens while boosting their tax-free retirement income.

Balancing Spending and Lifestyle Goals

For Harold and M and for most retirees retirement isn’t about cutting expenses; it’s about aligning your spending with your values. They’ve considered raising annual spending to $300,000 to include travel, family gifts, and experiences. With roughly $7 million in liquid assets, this spending level is sustainable under both the 4% rule and a flexible guardrails model.

The lesson here is that financial freedom isn’t about being frugal it’s about being intentional. Spending confidently, with a plan in place, allows retirees to enjoy their wealth without fear of running out.

Choosing the Right Withdrawal Strategy

So, should you follow the 4% rule or adopt a guardrails approach?

• If you value simplicity and predictability, the 4% rule provides a stable, easy-to-follow plan.
• If you want flexibility and responsiveness, guardrails give you the ability to adapt to changing markets.

Ultimately, the best strategy is the one that matches your risk tolerance, spending habits, and emotional comfort with volatility. The key is to revisit your plan regularly and make small adjustments as life unfolds.

Retirement planning isn’t about perfection it’s about progress. By combining solid math with flexible thinking, you can build a strategy that keeps your income steady, your taxes low, and your lifestyle exactly where you want it to be.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post The 4% Rule vs. Guardrails: How to Create a Smarter Retirement Withdrawal Strategy appeared first on ROI TV.

Understanding Safe Withdrawal Rates

A “safe withdrawal rate” is the percentage of your retirement savings you can withdraw annually while ensuring your nest egg lasts throughout your lifetime. You’ve probably heard of the 4% rule it’s the classic standard. But today’s financial world is more complex, with volatile markets, longer life expectancies, and inflation eating away at buying power. Modern research now offers a range: 3%, 4%, or even 5%, depending on your goals, investment mix, and retirement length. The goal isn’t a perfect number it’s about finding the right withdrawal strategy that balances growth, stability, and peace of mind.

Method 1: Morningstar’s Monte Carlo Approach

Morningstar’s forward-looking model uses thousands of Monte Carlo simulations to estimate how portfolios might perform over 30-year retirements. Their conclusion? A 3.7% safe withdrawal rate gives retirees a 90% chance of success meaning you won’t run out of money before age 95. The method assumes a balanced portfolio of roughly 20–50% equities, with the rest in bonds or cash. The key is flexibility: if markets are strong, you can withdraw a little more; if they dip, you pull back temporarily. This adaptive style keeps your portfolio resilient while providing long-term sustainability.

Method 2: Wade FA’s YieldAware Approach

Wade FA takes a completely different path using Treasury Inflation-Protected Securities (TIPS) to create a guaranteed, inflation-linked income stream. Think of it like pre-buying your retirement paychecks for 30 years. With current TIPS yields hovering around 4.6%, a retiree with $1 million could potentially lock in $46,000 per year, adjusted for inflation. This method offers peace of mind for conservative investors who want predictable income without relying on market performance. It’s a lower-risk, lower-stress way to secure your base expenses, while still allowing flexibility for additional growth through other investments.

Method 3: Bill Ben’s Historical 4.7% Approach

The classic research by Bill Ben, often credited for refining the 4% rule, analyzes every 30-year rolling period since 1926 to find the worst-case scenarios. His findings show that a 4.7% withdrawal rate using a portfolio of 55% stocks, 40% bonds, and 5% cash would have survived every historical downturn. The catch? You must stay disciplined: rebalance annually, stick to the withdrawal plan, and resist emotional decisions during market dips. It’s a strong approach for investors who believe in long-term market resilience and can tolerate short-term volatility.

Comparing the Three Methods

Each method has its own philosophy and audience:

• Morningstar’s 3.7% model focuses on flexibility and high success probability.
• Wade FA’s 4.6% TIPS strategy prioritizes guaranteed, inflation-adjusted income.
• Bill Ben’s 4.7% historical rule leans on diversification and historical data for long-term success.

The right choice depends on your comfort level with market risk and how much predictability you need in retirement. There’s no one-size-fits-all answer only what best aligns with your goals and peace of mind.

Building the Right Portfolio

How you invest directly affects how much you can safely withdraw. For example, the FA-style portfolio uses a TIPS ladder spreading maturities across 1–30 years to ensure consistent income. A blended version with 80% TIPS and 20% equities can provide both safety and growth. Meanwhile, the Benan-style portfolio keeps 55% in equities (large-cap, small-cap, and international), 40% in high-quality bonds, and 5% in cash. This setup supports a starting withdrawal of 4.7% with annual cost-of-living adjustments.

If you plan for a longer retirement horizon say, 40 years instead of 30 you’ll likely need to lower your withdrawal rate slightly for added safety. And remember, most models don’t account for fees or taxes, so factor those into your personal plan.

The Power of Consistency

More important than picking the perfect number is sticking to a consistent plan. Retirement success comes from discipline, not perfection. Pick the approach that fits your lifestyle, understand the trade-offs, and revisit your plan annually. If your needs or the economy change, adjust accordingly but never lose sight of your long-term goals.

In the end, safe withdrawal rates are less about math and more about peace of mind. Whether you’re a conservative saver or a confident investor, knowing how your money will sustain your lifestyle is the real key to financial freedom.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post How Much Can You Safely Withdraw in Retirement? Understanding the 3%, 4%, and 5% Rules appeared first on ROI TV.

Consider this: you can spend well under $30,000 and still walk away with a vehicle that offers modern tech, decent power, and a practical footprint. The rivals include the Volkswagen Taos, Mazda CX-30, Kia Seltos, Chevrolet Trax, Hyundai Kona, and Subaru Crosstrek,  all primed to give you real utility without the ego cost of a full-sized crossover. From clean digital cockpits to turbocharged engines and high-tech safety suites, the segment is delivering more than ever. According to Car & Driver, the Trax is ranked #1 in the 2025 subcompact SUV list.
The timing couldn’t be better. With fuel costs still on customers’ minds, urban parking nightmares, and increasing insurance and tax burdens for larger vehicles, the subcompact crossover presents a compelling argument. It’s not about compromise, it’s about a smart choice.

How does it compare to rivals?

In evaluating these models, the pack breaks down roughly along four axes: value-price, tech / interior quality, drivability/fuel economy, and long-term value (resale, warranty, etc.).

Price and value – The Trax kicks off around the low-$20,000 mark, making it the tight-budget choice. The Seltos and Taos land in the mid-$20s and still come in under the $30k threshold that separates subcompacts from “I’ll go big later” buys. Others like the CX-30 and Crosstrek creep toward the high-$20,000s once AWD and options are added.

Interior & tech – The Taos boasts a well-executed VW interior with a digital cockpit, slick layout and strong materials. The CX-30 goes premium with leather-look surfaces and upscale design, while Kia and Hyundai bring big screens and mood lighting at competitive prices. The Trax delivers space and practicality, though some of the plastic feel harks back to older eras. Still, for the money, it punches well above its weight.

Driving dynamics & economy – The Taos, in its 1.5-litre turbo form, offers about 158 hp with up to 36 mpg highway in front-drive form. The CX-30 ups the ante with around 191 hp and sharper handling. Seltos/Kona hit around 195 hp in turbo trims. The Trax keeps things simple with roughly 137 hp but impresses with nearly 37 mpg on the highway. The Crosstrek, meanwhile, touts all-weather and AWD capability, though at the cost of a sharper performance feel. Efficiency and chassis polish keep the Taos and its ilk in the conversation.

Practicality & space – The Taos leads with cargo space: about 27.9 cu-ft behind the seats and approx. 66 cu-ft with seats folded. That’s larger than many in this class from just a decade ago. The CX-30 is room-for-two and gear, but tighter in the rear. The Trax swells in value by offering more space than its price implies. Kona and Seltos balance width and comfort well; the Crosstrek edges ahead on dog-friendly, adventure-minded utility.

Resale, warranty & long-term value – Mazda and Subaru models tend to hold value best; VW is improving; Hyundai and Kia offer long warranties but depreciate faster; Chevy’s new Trax design may reverse years of depreciation pain, and you’ll still have savings left for fuel. These elements matter when you look beyond the sticker price.

Who is this for, and who should skip it?

If you’re buying a subcompact crossover, you probably fall into one of these profiles:

• The Urban Commuter: Needs parking ease, good fuel economy, light footprint, models such as the Trax or Taos make sense.
• The Young Family or Couple: Needs space for a stroller, occasional cargo, tech for modern connectivity, Seltos or Kona suits well.
• The Driver Who Cares About Dynamics: Wants something fun to steer, with a premium feel, the CX-30 hits that niche.
• The Outdoor and AWD-Mindful Buyer: Lives in snowy or rough-weather territory, needs AWD, versatility, the Crosstrek is the pick, though trade-offs exist.

Who should skip the subcompact crossover? If you regularly haul 7+ passengers, tow heavy gear, drive along highways at speed for hours, or really crave the presence and utility of a mid-sized SUV or three-row model, then yes, a larger crossover or full-sized SUV may still make sense. Also, if you prioritize ultra-quiet cabins and ultra-lux trim finishes (think luxury crossover territory), some of these subcompact models may feel slightly compromised. For instance, while the CX-30 is near premium, others like the Trax will show value-driven trim levels more clearly.

What is the long-term significance?

Subcompact crossovers are no longer just entry‐level stepping stones; they’ve matured into seriously compelling choices. As battery-electric and hybrid variants begin to permeate this class (and indeed the next wave of compact‐EV models draws from this segment), the subcompact crossover will be a vital bridge between basic transport and luxury/green vehicles. Trend analysis shows the shift toward smaller, fuel-efficient SUVs gaining momentum.

The long‐term significance is two‐fold: first, the diminishing gap in finishing, driving feel, and tech between subcompacts and larger crossovers; second, the cost savings over ownership (fuel, insurance, depreciation) can free up buyers to invest elsewhere, whether in tech upgrades, lifestyle, or future mobility. Models that perform well today will also hold better value tomorrow. That means that buying smart in the subcompact class isn’t just about initial cost, it’s about staying ahead of the lifecycle curve.

In the near term, you benefit from strong standard features, generous warranties (especially at Kia/Hyundai), and improved build quality. Over the next five to eight years, the subcompact SUV category is likely to become one of the most competitively efficient segments in terms of total cost of ownership. And that matters when the bigger guys begin asking for much more in upfront cost and running cost.

In conclusion: You don’t need to pay SUV money to enjoy SUV advantages. The right subcompact crossover will let you carry people and gear, enjoy modern tech and efficient driving, while avoiding the bloat and overhead of the larger machines. Whether your priority is driver engagement, space, budget, or all-weather confidence, the contenders in this class deliver. Pick the one that fits your life, not the badge you feel you should carry. 

The post The Tiny SUVs Outselling the Big Guys: 2025’s Best Subcompact Crossovers Under $30K appeared first on ROI TV.

The debate began in 2020, when BlackRock faced public backlash over claims that it was buying up single-family homes for rental purposes, contributing to housing price inflation. In response, BlackRock published an article titled “Setting the Record Straight,” clarifying that it does not purchase individual homes but rather invests in multifamily housing and apartment complexes. The distinction did little to calm public frustration, as many saw the move as another example of institutional investors crowding out ordinary buyers. While technically accurate, BlackRock’s strategy still means large financial entities are major players in the housing market, influencing rental supply and affordability at scale.

Now, BlackRock’s expansion into the energy sector is reigniting concerns. The firm recently acquired Minnesota Power, a utility company serving 150,000 customers, signaling a broader push into essential infrastructure. As part of its strategy, BlackRock is diversifying into stable, income-generating assets like utilities and power generation investments that provide steady returns regardless of stock market volatility. However, this shift raises new questions about concentration of power. If asset managers like BlackRock own both the homes people live in and the utilities that power them, how much control over the economy becomes too much?

These investment moves are guided by corporate structure and fiduciary duty. By law, CEOs must prioritize shareholder wealth over customer or employee interests. This creates a dynamic where large asset managers, as major shareholders, wield enormous influence through voting rights that determine who sits on corporate boards. Those boards, in turn, shape executive decisions and long-term strategies. It’s a cycle that often puts shareholder value ahead of affordability or public welfare, even when the companies involved play essential roles in daily life.

For investors, however, there’s an important takeaway: follow where the money is going. BlackRock’s focus on hard assets—real estate, utilities, and energy reflects a growing preference for tangible, income-producing sectors over speculative growth plays. The same trend extends to technology, where the rise of artificial intelligence and data centers is fueling demand for related infrastructure like energy production, cooling systems, and cybersecurity solutions. The message is clear real assets and tech infrastructure are converging as the next frontier of investment opportunity.

Building wealth, whether for individuals or institutions, depends on three timeless variables: time, return, and money. Time can’t be altered, but returns can be optimized through smarter investment strategies, and contributions can be increased over time to accelerate compounding growth. BlackRock’s strategy exemplifies this principle diversifying across assets that provide steady returns while capturing long-term appreciation.

Ultimately, understanding the layers of investment opportunities beyond surface-level stocks and into the supporting ecosystem is key for investors looking to emulate institutional strategies. As demand for data, energy, and real estate grows, the companies building and maintaining that infrastructure are positioned for strong, sustained returns. Whether you agree with BlackRock’s influence or not, one thing is certain: its strategy offers a blueprint for how money moves in a world increasingly shaped by technology, scarcity, and institutional capital.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post BlackRock’s Real Asset Expansion: How Its Housing and Energy Investments Could Shape the Future appeared first on ROI TV.

Parallel to that, Toyota’s Woven City prototype has begun to take shape in real life. In September 2025, the first residents moved into Toyota’s test city built near Mt. Fuji. This marks Toyota’s transformation from automaker to mobility-plus lifestyle company.

Now imagine Century not merely as a flagship car parked in that city, but the very framework of it, one brand that shapes architecture, wellness, mobility, sea, air, and land. We’ve been hinting at this in prior Test Miles columns, and today we see it forming in real time.

How does it compare to rivals?

The elite luxury houses, Rolls-Royce and Bentley, sell statements: materials, craftsmanship, brand heritage. But they don’t attempt to orchestrate the ambient ecosystem around the user. Century aims to go beyond that. The One of One concept features unconventional sliding doors, coupe-SUV proportions, and interior lounge geometry.

What makes Century different is that its benchmark isn’t a fast lap or acceleration figure. Its benchmark is a lived environment. Woven City is already a working prototype of that vision: Phase 1 spans roughly 47,000 square meters and is designed for collaborative co-creation. The city initially hosts around 360 residents, with plans to expand to 2,000.

No established luxury brand has attempted this structural ambition; they all remain within the product domain. Lexus competes on refinement in the automotive space; Century is attempting to be the recipe for ultra-living itself.

Who is this for, and who should skip it?

Century is for those who don’t just purchase artifacts, but adopt paradigms. It’s for patrons of experience, for those whose assets include curated habitats, wellness estates, and global mobility. Think sovereign clients, cultural patrons, global executives, those who conceive their lifestyle as a homogeneous design.

It is not for performance purists, track junkies, or those who demand open competition and modular parts over curated environments. If your passion is chassis tuning, engine specs, and aftermarket freedom, this is not your theatre.

What is the long-term significance?

Century could become the anchor of what one might call a Toyota-curated city brand. Imagine enclaves or districts curated to the Century ethos: gardens, architecture, mobility, healthcare, wellness, even marine and aerial craft, all designed to integrate.

Woven City is the first seed. Conceived in 2020, it is now going live. Toyota’s creation of its investment arm with 100 billion yen capital further signals that the company is investing in ecosystems around this concept for the long haul.

Beyond land, Century could grow into sea, luxury catamarans and yachts, and air, VTOL, air taxis, and personal aircraft, with integrated healthcare nodes and telemedicine clinics built into that network. The image is of a lifestyle where you don’t simply drive the brand, you inhabit it.

In a few years, we may look back and call this inevitable: that Lexus would eventually be swapped out for something more expansive, but only once Toyota had the software, city-lab, and financial muscle to make it more than a car brand.

This isn’t just making a new halo model. It’s making a new altitude in living. Century is being devised not just to be driven, it is being designed so it can be lived.

The post Toyota’s Ultra-Luxury Vision for a Curated Lifestyle appeared first on ROI TV.

One of the most common regrets among retirees is not starting early enough. According to recent surveys, 66% of retirees wish they had saved more consistently, and over half wish they had started saving at a younger age. A staggering 76% cite not saving enough as their biggest financial misstep. The math is simple but powerful: investing $200 a month starting at age 25 can grow to more than $500,000 by age 65 at a 7% annual return. Waiting until 40 to start saving requires nearly triple the monthly contribution to reach the same goal. Time is the most powerful ally in building wealth, and starting early even with small amounts creates exponential advantages through compounding.

Another major regret is underestimating healthcare costs. Many retirees are blindsided by medical expenses that exceed their initial estimates. A 65-year-old retiring today needs about $173,000 for out-of-pocket medical expenses, and for couples, that number jumps to nearly $315,000. These figures don’t even include long-term care, which can cost thousands per month. Nearly two-thirds of seniors report rising living costs, particularly medical bills, as the biggest threat to their retirement savings. It’s also important to remember that Medicare doesn’t cover dental, vision, hearing, or long-term care making supplemental insurance or a Health Savings Account (HSA) a crucial part of retirement planning.

Relying on a single income source is another trap that leads to regret. Many retirees discover too late that depending solely on Social Security creates financial vulnerability. Social Security should be one part of a larger income strategy, not the foundation. Unexpected expenses or rising taxes can quickly drain savings if there’s no backup plan. Diversifying income through a mix of taxable, tax-deferred, and tax-free accounts—such as brokerage, 401(k), and Roth IRA accounts adds flexibility. Some retirees also build secondary income streams through rental properties, part-time consulting, or dividends. Having multiple income sources helps ensure stability and reduces the stress of unpredictable costs.

Timing retirement correctly is equally important. Nearly half of retirees say they wish they had retired sooner, but many delayed retirement out of financial fear rather than passion for their work. Knowing when you have “enough” requires honest evaluation and stress testing your portfolio for different market conditions. Phased or partial retirement can offer a balance providing income while easing into a new lifestyle. Running the numbers with a financial planner or using retirement modeling tools can help identify the sweet spot where financial readiness meets emotional satisfaction.

Finally, many retirees struggle to balance spending and enjoyment. Some regret being overly cautious, missing out on travel and family experiences, while others overspent early and faced financial strain later. The key is flexibility. Early retirement years often bring higher spending due to health and activity levels, but expenses typically decline over time. A written financial plan that includes budgeting for passions, hobbies, and travel can provide both structure and freedom. Retirees who intentionally plan for joy rather than defaulting to austerity tend to experience greater satisfaction and well-being.

The lessons from today’s retirees are clear: start early, prepare for healthcare costs, diversify your income, know when to step back, and make room to enjoy the life you’ve worked so hard for. With proactive planning and disciplined investing, you can turn potential regrets into a retirement defined by confidence, freedom, and fulfillment.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post 5 Common Financial Regrets of Retirees and How to Avoid Them appeared first on ROI TV.

One of Wendy’s main considerations is whether to continue doing Roth conversions while still working in a high tax bracket. The couple already makes full Roth 401(k) contributions and converts around $10,000 in after-tax contributions annually. However, with a total annual savings rate of $64,000 including $12,000 in tax-deferred contributions they face diminishing returns on further Roth conversions at their current income level. The hosts of the discussion noted that while Roth strategies are powerful, the assumptions built into financial software can often create unrealistic expectations. A projected $10 million estate sounds promising, but long-term projections depend heavily on future market returns, inflation, and spending behavior all variables that need to be revisited annually.

Wendy hopes to retire at age 60, with an initial annual spending goal of $170,000 that tapers to $160,000 over time. Based on their projected $4 million in liquid assets, that would amount to a withdrawal rate of roughly 4.7%, slightly above the standard guideline for sustainability. Combined with expected Social Security benefits of about $3,700 each at full retirement age, their income outlook is solid. Still, the hosts recommend working at least until 62 to allow for stronger Social Security benefits and to preserve more investment capital. This would create a greater financial cushion and reduce the need for higher withdrawals in the early years of retirement.

When it comes to Roth conversions, the key is timing and flexibility. The couple is encouraged to continue maximizing after-tax 401(k) contributions and converting those funds to Roth accounts for tax-free growth. They could also consider rolling existing IRAs into a 401(k) to open the door for backdoor Roth contributions, which are ideal for high earners. Viewing their liquid assets collectively rather than in isolated buckets will also help them make smarter tax decisions and ensure that each account taxable, tax-deferred, and tax-free plays its proper role in their long-term strategy.

The discussion also touched on the importance of financial flexibility in retirement. While Wendy focuses on maximizing tax-free growth, it’s equally vital to maintain accessible cash reserves. Spending from non-qualified accounts can help facilitate Roth conversions without triggering financial strain. Maintaining an emergency fund while continuing to invest ensures they can enjoy retirement without feeling overly restricted. Ultimately, the goal is to strike a balance growing wealth efficiently while also living a fulfilling, regret-free retirement.

The conversation also featured other listener cases, offering a broader perspective on mortgage and savings decisions. Kurt and Courtney from New York, for instance, are considering paying off their $350,000 mortgage on a $450,000 home. With a 4.75% interest rate, the question becomes whether to pay it down early or continue investing. Paying off the mortgage would reduce financial stress and guarantee a 4.75% “return,” but investing those funds in the market where historical returns average closer to 7% could yield more growth over time. The recommendation is to reassess as they near retirement, factoring in emotional comfort and financial flexibility.

Tim and Faith from Boston offer another example. Earning between $1.2 million and $1.5 million annually, they’ve built a strong portfolio that includes $2 million in unvested RSUs, over $1 million in brokerage assets, and multiple retirement accounts totaling $1.3 million. With expected annual retirement expenses of $144,000, they face the common high-earner question: should they continue with Roth 401(k) contributions or switch to traditional 401(k)s? Given their 32% tax bracket and a 35% effective rate, the hosts suggest that shifting to traditional contributions could offer meaningful short-term tax relief. However, the long-term benefits of Roth growth especially in retirement when tax rates could be higher make it worth reevaluating periodically. A blended approach with future Roth conversions may deliver the best of both worlds.

The overarching takeaway from these discussions is that retirement planning for high earners is not about one-size-fits-all answers it’s about precision and adaptability. Strategies that include Roth conversions, balanced asset allocation, tax-smart withdrawals, and flexible mortgage management can make a substantial difference. Annual plan reviews and scenario testing are essential for adjusting to market realities. Ultimately, the goal isn’t just to retire rich it’s to retire ready, resilient, and in control of your financial destiny.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post Is Financial Software Giving You False Retirement Confidence appeared first on ROI TV.

The heart of Amazon’s recent success is no longer retail it’s advertising. The company has turned its digital storefront into one of the most valuable ad platforms in the world, rivaling Google and Meta. Sponsored listings now dominate search results, pushing organic products further down the page. This ad saturation, while lucrative, has eroded customer trust and satisfaction. Internal reports reveal that Amazon’s management encouraged the acceptance of low-quality ads to boost short-term revenue, a move that’s led to an increase in questionable product recommendations. While these ads generate billions in profit, they’ve also compromised the user experience that once made Amazon the go-to online retailer.

Meanwhile, Amazon Web Services (AWS) continues to be the company’s most profitable division essentially funding the rest of the business. AWS brings in more profit than the entire retail operation combined, with high-profile contracts from organizations like PayPal and the U.S. Army. Despite AWS’s consistent success, Amazon is doubling down on its retail arm, pouring over $70 billion into artificial intelligence infrastructure to modernize logistics and improve automation. Shareholders are eager for these investments to pay off, especially as Amazon faces pressure to prove that its AI spending will lead to long-term efficiency rather than fleeting hype. However, with the rapid obsolescence of AI hardware, some analysts question whether this aggressive push will yield sustainable results.

AI is central to Amazon’s future plans. The company hopes that by automating warehouse operations, inventory management, and customer service, it can reduce dependence on human labor—a cost that continues to rise amid worker shortages and unionization efforts. Amazon’s warehouse turnover rate is staggering: roughly 150% annually, meaning it replaces its entire workforce every nine months. Low wages, high stress, and demanding working conditions have created a cycle of burnout that’s proven nearly impossible to break. While automation may solve part of this problem, it raises larger societal questions about the displacement of human workers and the long-term impact of widespread job loss in logistics and fulfillment.

Third-party sellers, who make up a large portion of Amazon’s retail ecosystem, are also feeling the strain. Many face counterfeit issues, returns fraud, and shrinking profit margins. Amazon’s liberal return policy, designed to attract buyers, often leaves sellers footing the bill for damaged or fraudulent returns. The company’s increasing emphasis on paid placement has also made visibility a pay-to-play game, squeezing out smaller sellers who can’t afford to compete with larger brands. For many, selling on Amazon has gone from being an opportunity to a struggle for survival.

Balancing these competing interests customers, shareholders, employees, and sellers has become Amazon’s toughest challenge yet. Customers are frustrated by ads and declining product quality. Employees face grueling conditions and short tenures. Sellers feel exploited by platform rules and returns costs. Even shareholders are wary, watching profits shift away from retail and toward volatile advertising and AI experiments. The company’s future hinges on whether its massive AI investments can deliver real efficiency gains without further alienating the very people who built its empire.

Amazon’s story is no longer just about innovation it’s about adaptation. Once the symbol of modern retail dominance, the company now stands at a crossroads. Its reliance on advertising and automation might keep profits flowing in the short term, but at what cost? As AI replaces workers and customers face an increasingly commercialized shopping experience, the ultimate question looms: who will be left to buy the products when the people powering the system are pushed out of it?

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post Inside Amazon’s Business Model Shift: How AI, Ads, and Labor Struggles Are Redefining the Retail Giant appeared first on ROI TV.

In this scenario, a 67-year-old single individual earning $110,000 annually decides to claim their Social Security benefits at full retirement age. They receive $3,100 per month or about $37,200 per year. After taxes, their net benefit comes to around $2,500 a month, or $30,000 a year. That brings their total gross income to roughly $147,000 annually when combining salary and Social Security payments. Since they’ve reached full retirement age, they can earn as much as they want without any reduction in benefits, but their high income triggers other consequences.

This individual’s financial foundation is solid. They’ve accumulated $215,000 in a traditional 401(k) and contribute an additional $10,500 each year. They also hold $10,000 in a Roth IRA, to which they contribute $8,000 annually. On top of that, they expect to receive a $1,200 monthly pension about $14,400 per year once they fully retire. They’re also working toward paying off all debt before leaving the workforce, which is one of the smartest moves anyone can make before retirement.

However, claiming Social Security while still working at this income level means that up to 85% of their Social Security benefits are taxable. This pushes their provisional income higher, resulting in a greater overall tax burden. In this case, the individual’s federal tax bill could exceed $19,000 annually, driven largely by the combination of salary, benefits, and investment income. On top of that, claiming at 67 instead of waiting until 70 locks in a permanently reduced benefit roughly $9,000 less per year.

The long-term trade-off comes down to timing. By claiming at 67, this person gains immediate income but sacrifices future growth in their monthly benefit. If they had waited until age 70, their monthly benefit would have increased to around $3,844 an extra $744 per month for life. The break-even age, where the total lifetime income would even out between claiming early or waiting, is about 82 and a half. That means if they live well into their 80s or beyond, delaying benefits could ultimately result in tens of thousands of dollars more in lifetime income. However, if they value having more money available today or want to ensure they’re debt-free while still healthy and active claiming now could make emotional and practical sense.

There are also side effects beyond just Social Security itself. A higher income while receiving benefits can raise Medicare premiums due to income-based adjustments, increasing healthcare costs in retirement. These additional expenses should be factored into any decision about when to claim.

The pros of claiming Social Security now include enjoying a strong cash flow, achieving debt freedom sooner, and gaining psychological comfort from having a guaranteed income stream. The cons are the higher taxes, a permanently smaller monthly benefit, and potential longevity risk if you live longer than expected. The right choice depends on your priorities whether that’s maximizing lifetime income or securing immediate financial stability.

Ultimately, there’s no universal answer. The decision should align with your financial goals, health, and desired lifestyle. For some, claiming at 67 provides peace of mind and liquidity when they need it most. For others, waiting until 70 offers the security of a larger monthly check and better protection against outliving their savings.

The key takeaway is that understanding your full financial picture your income sources, tax situation, and long-term needs is essential before making this decision. A personalized retirement plan can clarify your best path forward and help you make an informed choice with confidence. And as always, discussions like this are best shared. If you’ve faced a similar decision or have insights on claiming Social Security while working, share your experiences with others it’s a conversation that benefits everyone planning for retirement.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post Should You Claim Social Security While Still Working? Here’s What to Consider appeared first on ROI TV.

At the heart of the problem is Social Security. Once a dependable cornerstone of retirement income, it now faces a projected funding shortfall that could deplete reserves by 2034 if no action is taken. The system is currently paying out more in benefits than it receives in contributions, creating a sustainability issue for future retirees. Even with a 2.5% cost-of-living increase for beneficiaries in 2024, the adjustment falls short of real inflation. Yet millions still assume that Social Security will be enough to fund their golden years a dangerous misconception. Without reform, future generations may face reduced benefits, higher taxes, or both.

The decline of pensions has also reshaped the retirement landscape. For decades, pensions provided reliable, lifelong income, but that safety net is disappearing. Most private-sector employers no longer offer traditional pension plans, and many existing funds are under financial stress. Individuals under 45 are unlikely to ever receive pension benefits, leaving them to rely solely on personal savings and investments. This shift places enormous responsibility on individuals to manage their own financial security something many are ill-prepared to do without proper education.

That’s why personal savings and investments are more critical than ever. Financial independence now hinges on consistent saving, disciplined investing, and informed decision-making. Unfortunately, many people lack the financial education necessary to make those choices confidently. To make matters worse, many advisors won’t work with clients who have less than $250,000 in assets, leaving middle-income earners without accessible professional guidance. To bridge the gap, individuals must take charge of their finances by reducing spending, increasing savings rates, and learning the basics of investing.

Redefining retirement itself can also help reshape financial goals. Instead of viewing retirement as an age, it’s better understood as a state of financial independence when cash flow from investments exceeds living expenses. This shift in mindset empowers individuals to focus less on “when” to retire and more on “how” to achieve sustainable income. Building wealth through dividend-paying stocks, real estate, and other cash-flowing assets can help create inflation-adjusted income streams that last a lifetime.

Entrepreneurship can play a role in that journey, too, though it’s not for everyone. Running a business can generate additional income and accelerate wealth building, but it also requires resilience, creativity, and risk tolerance. Successful entrepreneurs often share a willingness to take calculated risks and a strong work ethic that extends beyond traditional employment. For others, side hustles or passive business investments can still provide diversification and long-term benefits without full-time commitment.

At the foundation of all these strategies lies financial education. Understanding how money works how to invest, how to manage taxes, and how to plan for cash flow is essential for long-term success. The gap between income growth and investment growth underscores why investing is non-negotiable. Historically, investment returns have far outpaced wage growth, making it clear that relying solely on earned income is a losing strategy. Knowledge truly is the greatest wealth multiplier, and it’s accessible to anyone willing to learn.

Patience, however, may be the most underrated ingredient in wealth creation. Many people want fast results especially entrepreneurs who dream of being their own boss but real wealth is built over time. Like the tortoise and the hare, slow and steady wins the financial race. The stock market has averaged roughly 10% annual returns over the past century, rewarding those who stay consistent through market ups and downs. A simple example: investing just $100 a month from age 21 could make you a millionaire by retirement. The secret is consistency and avoiding emotionally driven decisions.

Beyond money, wealth also depends on knowledge, planning, and preservation. The wealthiest individuals don’t just grow their assets they protect them. Accounting, taxes, legal protections, and estate planning all play key roles in sustaining wealth across generations. Estate planning ensures that your financial legacy passes smoothly to heirs while minimizing tax burdens and avoiding legal complications. Building wealth without a plan to preserve it can undo decades of hard work in a single generation.

Ultimately, financial freedom isn’t just about money it’s about purpose. Many who have achieved wealth report that what motivates them daily isn’t the pursuit of more, but the ability to give back, take care of family, and enjoy life with peace of mind. True happiness, as many retirees discover, comes from balancing financial security with meaning, relationships, and generosity. The retirement crisis is real but with education, patience, and purposeful planning, financial independence is still within reach.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post The Global Retirement Crisis That Few Are Ready For appeared first on ROI TV.