Why does this company matter right now? 

BMW didn’t become a global powerhouse by accident. It got there because it figured out something the rest of the auto world still struggles with: Left-brain logic is nothing without right-brain chaos. While rivals chase algorithms and committee decisions, BMW quietly assembled a leadership team that blends brutal intellect with wild creativity. 

That duality is the secret sauce. 

At a time when the industry is tripping over its own tech jargon, EV range anxiety, and tariff impact roulette, BMW is playing a more human game. It’s not just building machines; it’s building stories, experiences, and identities. Behind every kidney grille is a team of thinkers who write code by day and paint or compose music by night. 

That’s why the brand still pulls ahead. 

How does BMW’s leadership compare to rivals? 

Tesla might have Mars-bound ambition, and Mercedes may flex its luxury crossover catalog like a runway model, but BMW has balance, not in the yin-yang Zen nonsense way, but in the real-world hire brilliant weirdos who also know business kind of way. 

Take Adrian van Hooydonk, BMW Group Design Director since 2009, he’s not just the guy shaping your next M4, he’s a design polymath with a brain wired for precision and soul. Schooled in Dutch engineering and Swiss design philosophy, he draws inspiration from modernist sculpture and keeps panel gaps tighter than most brands’ marketing strategies.   

Then there’s Oliver Zipse, CEO of BMW since August 2019 and confirmed in post through mid‑2026. On paper he’s your standard mechanical engineering grad with an MBA, years in the trenches, but scratch deeper and you find a man who implemented wearable robotics in BMW factories, not for show, but to help real people move smarter and safer. Married to a Japanese spouse, he made global calibration work.  

Even rising stars like Calvin Luk, BMW exterior designer since 2008, have split brains in the best possible way. The man behind the latest Z4 and X1 doesn’t just sketch cars, he hears them literally, he’s been known to design to music. The line between audio and automotive? Blurred.  

And the past classics still matter. Joji Nagashima, BMW exterior designer since 1988, credited with the E39, E90, Z3 among others, continues to train the next generation and hold patents in design. Even now he’s quietly guiding the aesthetics of models on, you guessed it, napkins in meetings.  

Who is this culture for, and who should skip it? 

If you like your vehicles clinical, joyless, and overexplained, you’re probably not in the BMW crowd; go lease a spreadsheet on wheels. But if you’re the kind of person who gets goosebumps from a perfectly sculpted rear fender or a symphonic engine note that hits like a Beethoven crescendo, this leadership style was built for you. 

BMW doesn’t cater to boardroom bots or TikTok hype‑chasers, it caters to thinkers, artists, builders, and yes drivers. The ones who still believe cars should stir something. 

The people designing and approving these machines actually live that philosophy. They’re not checking boxes, they’re sketching them on napkins at dinner. 

What’s the long‑term significance? 

BMW’s edge isn’t just in interior tech or how many charging ports the next plug‑in hybrid comes with, it’s in how the company thinks. You can bolt on more torque or scale a bigger screen, but you can’t fake balance. Not the kind BMW’s leadership has cultivated across design, engineering, and global strategy. 

While automakers chase off-road capability, three‑row SUV obsessions, or electric pickups, BMW focuses on timelessness. And the brains steering that ship know exactly how to fuse tradition with tomorrow. 

That’s why, through all the noise, BMW remains consistent. And that’s why it keeps winning, not just with 0‑60 times or horsepower bragging rights, but with cultural relevance, design permanence, and a global identity that feels as personal as it is powerful. 

So next time someone asks why BMW still leads the field, tell them this: It’s not the tech, it’s not the badge, and it’s not even the marketing. 

It’s the mind. 

The post ​Inside BMW’s  ​Winning ​Strategy appeared first on ROI TV.

What Supplemental Plans Actually Do

Original Medicare (Parts A and B) covers about 80% of your medical expenses, but that still leaves you responsible for 20%—and there’s no cap on what that 20% could be. That’s where Medicare Supplemental plans (also called Medigap) come in. They’re designed to plug those gaps, helping pay for things like deductibles, co-insurance, and excess charges. Compared to Medicare Advantage plans, Medigap plans give you more freedom—you can see any doctor in the country who accepts Medicare.

The Rise and Fall of Plan F

For years, Plan F was the most comprehensive Medigap option out there. It offered “first-dollar coverage,” meaning that once you paid your monthly premium, you paid nothing out-of-pocket for Medicare-approved services. But in 2015, Congress passed MACRA (the Medicare Access and CHIP Reauthorization Act), which phased out Plan F for anyone who became Medicare-eligible after January 1, 2020.

Why? Lawmakers were concerned that people with first-dollar coverage were going to the doctor more often than necessary, putting extra strain on the Medicare system. If you were already eligible before 2020, you can still buy Plan F—but for everyone else, it’s off the table.

Comparing Plan F, Plan G, and Plan N

Now, Plan G is the closest you’ll get to Plan F today. The only thing it doesn’t cover is the Part B deductible, which is $257 in 2025. Aside from that, it provides nearly identical benefits.

Plan N is a more budget-friendly option, with a few trade-offs. You’ll pay small copays—up to $20 for doctor visits and $50 for ER visits—and it doesn’t cover what’s called “Part B excess charges.” These are pretty rare and only happen if your doctor charges more than Medicare’s approved amount.

If you’re relatively healthy and don’t mind some small copays, Plan N can be a smart, cost-saving alternative to Plan G.

Let’s Talk Numbers

Here’s what I’m seeing in the field: Plan F premiums have skyrocketed, partly because no new members are joining, leaving an aging pool of policyholders. Some folks are paying over $400 a month.

By contrast, Plan G averages between $150 and $180 per month, and Plan N comes in even lower—around $122, depending on your age, gender, and where you live.

I recently worked with a client who switched from Plan F to Plan G and saved over $850 a year—even after accounting for the Part B deductible.

Can You Switch? Yes—With a Catch

Good news: You can switch between Medigap plans at any time during the year. There’s no official “enrollment season” like there is with Medicare Advantage. But—and this is important—you’ll likely need to go through medical underwriting. That means answering 20 to 25 health-related questions (no physical exam), and depending on your answers, the insurer can deny your application.

If that happens, don’t worry—you can keep your current plan. There’s no risk in applying to switch.

Flexibility Is Why I Still Recommend Medigap

One of the biggest perks of Medigap plans is freedom. You don’t need referrals. You can see any doctor who accepts Medicare, anywhere in the U.S. That’s a huge deal for people who travel or spend half the year in a different state. These plans are also guaranteed renewable—they can’t drop you as long as you pay your premiums.

Do You Travel Abroad? Plan G and N Have You Covered

Here’s something most people don’t realize: Certain Medigap plans, including G and N, include up to $50,000 in foreign travel emergency coverage. Medicare itself doesn’t work overseas, so that benefit can come in handy. That said, I still recommend separate travel insurance if you’re heading abroad for an extended trip.

Bottom Line

Plan F had its moment, but for most people today, Plan G offers the best comprehensive coverage, and Plan N offers strong benefits at a lower price. If you’re still on Plan F and you’re eligible to switch, it’s worth exploring whether Plan G or N could save you money—just be sure to work with someone who understands the underwriting process.

As always, the right Medicare plan depends on your unique health, travel habits, and financial goals. I help people navigate this maze every day, and I’d be happy to help you too.

The post Medicare Plan F Is Gone. Here’s What You Need to Know About Plans G and N appeared first on ROI TV.

Let’s start with the basics. Most retirement accounts like 401(k)s and traditional IRAs grow tax-deferred, meaning you’ll pay taxes when you take money out. Once you hit age 73 (or 75, depending on your birth year), Required Minimum Distributions (RMDs) kick in. These are mandatory withdrawals that count as taxable income. Miss one, and the IRS hits you with a 25% penalty. Ouch. But there are ways to reduce your tax bill, like using standard deductions, itemizing when possible, and making Qualified Charitable Distributions (QCDs) to donate directly from your IRA.

Next, let’s talk tax brackets. Many people think all their income is taxed at the highest bracket they fall into. Not true. We have a marginal tax system. That means your income is taxed in layers: 10%, 12%, 22%, and so on. That also means there’s room to be strategic. For example, you could do Roth conversions to fill up lower brackets before tax rates go up in the future (as they’re currently set to do).

Speaking of Roths, they’re a powerful tax escape hatch. Unlike traditional retirement accounts, Roth IRAs offer tax-free withdrawals and aren’t subject to RMDs. Plus, they don’t count as provisional income, which helps when it comes to Social Security taxes and Medicare premiums.

Social Security benefits themselves can be taxable depending on your provisional income, which includes half your Social Security, your adjusted gross income, and even tax-exempt interest. Couples earning over $32,000 could find 50% to 85% of their benefits taxed. And since these income thresholds aren’t indexed for inflation, more and more retirees are getting caught in the tax net.

Then there’s IRMAA—the Income-Related Monthly Adjustment Amount. This affects your Medicare premiums if your income from two years ago was too high. Single filers earning over $106,000 or joint filers over $212,000 will pay more for Part B and Part D. Roth conversions, tax-efficient investing, and proper withdrawal strategies can help reduce your IRMAA exposure.

Capital gains are another important area. Long-term capital gains are taxed at 0%, 15%, or 20%, depending on your taxable income. Real estate can be tricky here. While you get exclusions for a primary residence ($250,000 single, $500,000 married), rental properties are fully taxable and subject to depreciation recapture. However, a 1031 exchange can defer those taxes.

Retirees often forget that no one is automatically withholding taxes for them anymore. You may need to make quarterly estimated tax payments. Miss those, and the IRS charges penalties—currently about 8% annualized interest.

Watch out for IRA rollovers, too. A direct rollover avoids taxes, but if you take possession of the funds even briefly, 20% gets withheld. Fail to redeposit the full amount within 60 days, and it’s taxable and potentially penalized.

Mutual funds outside of retirement accounts can generate tax bills from capital gains and dividends—even if your investment value goes down. Consider using ETFs or index funds instead. They’re generally more tax efficient.

High earners need to be aware of the 3.8% Net Investment Income Tax (NIIT), which applies to interest, dividends, and rental income over $200,000 (single) or $250,000 (married).

There’s also the widow’s penalty: after one spouse passes, the surviving spouse files as single, which could push them into a higher tax bracket on the same income. Planning ahead with Roth conversions and income splitting strategies can soften the blow.

Lastly, think about where you live. State taxes vary widely. Alaska is the most tax-friendly, while New York tops the chart for retirees with a tax burden of 12.3%.

The bottom line? Don’t wait until retirement to start tax planning. With the right strategies in place, you can avoid the worst traps, stretch your savings further, and enjoy the retirement you worked so hard to earn.

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 Retirement Tax Traps appeared first on ROI TV.

Social Security benefits are based on your highest 35 years of earnings, adjusted for inflation. The formula averages your top earning years to calculate your Average Indexed Monthly Earnings (AIME). If you don’t have 35 years of income, the Social Security Administration fills the missing years with zeros—which significantly drags down your benefit amount. This is where many people unknowingly leave money on the table.

For example, let’s say you worked for 30 years earning an average of $60,000 per year, but you have five missing years. Those zeros reduce your benefit. But if you work just five more years—even part-time at $30,000 per year—you replace those zeros and could increase your monthly benefit by $200 or more. Over a 30-year retirement, that adds up to an additional $83,000 in income.

Even modest earnings can make a big difference. A part-time job bringing in $30,000 for five years could bump your benefit by about $115 per month. That’s over $41,000 in additional retirement income. And remember, your Social Security benefit is adjusted annually for inflation. So the higher your base benefit, the more you gain from those yearly cost-of-living increases.

Timing your claim also plays a big role. If you claim at age 62, you might lock in a lower benefit—say $1,400 a month. But wait until full retirement age, and it could jump to $2,000. Hold off until age 70, and you’re looking at $2,500 or more. Delaying also means your cost-of-living adjustments compound on a larger base.

What’s especially interesting is how the Social Security formula benefits different income levels. It’s progressive, which means it replaces a higher percentage of income for low earners. Middle-income workers actually see the biggest bump from replacing zeros—up to an 11% increase or $228 more per month. Even low-income workers can gain an 8% increase by filling in missing years.

Don’t forget: maximizing your own benefit helps your spouse too. A higher primary benefit increases both spousal and survivor benefits. So by boosting your benefit, you’re also securing more income for your partner, which can be crucial if they outlive you.

And there’s good news if you’ve already started collecting Social Security. The administration recalculates benefits every year. So if you continue working and replace a zero or a low-earning year, your benefit can still go up—even after you’ve started receiving checks.

The takeaway? Whether you’re a few years from retirement or already collecting benefits, it’s worth reviewing your earnings record. Consider working a few extra years, even part-time, to replace zeros and increase your lifetime income. A little effort now can pay off for decades to come.

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

The post How Replacing Zero-Income Years Can Boost Your Social Security Benefits appeared first on ROI TV.

While some forecasts suggested up to two cuts in 2025, economists at JP Morgan Chase aren’t buying it. They expect just one cut, and not until December. Even further out, projections for 2026 and 2027 show fewer cuts than previously anticipated. Why the shift? According to Powell, it’s about managing inflation expectations and protecting the economy from premature policy changes.

Tariffs Are Fueling Inflation Worries

One of the meeting’s most discussed topics was tariffs. Powell made it clear: tariffs act like a tax on businesses that import goods. That cost doesn’t stay with the companies—it’s passed on to consumers. As a result, we’re already seeing price increases, and they’re likely to accelerate this summer.

This puts the Fed in a bind. If they cut interest rates too early, it could throw fuel on the fire, making inflation even worse. So, while rate cuts are on the horizon, they’re not coming just yet.

The Economic Outlook for 2025

Despite inflation concerns, Powell noted the U.S. economy is still resilient. However, he forecasted slower growth ahead—down to 1.4% in 2025, from a previous 1.7% projection. Unemployment is also expected to tick up slightly, from 4.4% to 4.5%.

These subtle shifts point to a cooling economy, but not a crisis. The Fed seems to be threading a needle: keeping inflation in check while avoiding unnecessary economic drag.

How the U.S. Compares Globally

While the Fed remains cautious, other central banks are going in the opposite direction. Switzerland, for example, cut interest rates to zero and hinted that negative rates could return. But Powell reminded everyone that U.S. challenges—particularly around tariffs—are different. The Fed isn’t likely to follow Europe’s lead anytime soon.

Market Volatility: The Tariff Effect

Investors are already feeling the heat from tariff drama. Markets have been volatile as policy announcements, pauses, and reversals create whiplash. One major date to watch: July 8th. That’s when the current tariff pause ends, and President Trump is expected to unveil his next steps.

Expect more turbulence. But remember—volatility doesn’t always mean bad news for investors.

What This Means for Investors

Powell’s advice? Focus on the long term. He likened investing during uncertainty to sailing—focus on the tides, not the waves. Trying to time the market based on short-term news is a losing game.

Instead, accumulate assets strategically. Downturns often offer great buying opportunities, especially for investors with a clear plan and a strong stomach.

Why Financial Education Matters Now More Than Ever

In today’s climate, understanding how your money works is essential. Powell urged Americans to get educated about investing—whether that means choosing between ETFs and mutual funds or understanding tax strategies.

He also recommended working with financial advisors—but only after doing your homework. Not all advisors are created equal, and it’s crucial to find one who truly aligns with your goals.

Bottom Line
The Fed is preparing to shift course in 2025, but it’s walking a tightrope between fighting inflation and supporting growth. Tariffs, economic indicators, and market volatility are all part of the picture. For everyday investors, the message is clear: stay calm, stay informed, and keep your eye on the long game.

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 the Fed’s 2025 Interest Rate Plans Could Change Your Financial Future appeared first on ROI TV.

1. They Reflect with Purpose

Happy retirees don’t just wake up and wing it. They start their day with reflection often through journaling or quiet thought—to align their actions with their values. It’s not about filling every hour with busyness, but rather making sure what they do matters.

Each morning, they might ask themselves: What’s one thing I can do today that will make the rest of my day easier or more meaningful? At night, they revisit their day to celebrate small wins, building emotional momentum and a sense of accomplishment.

By staying grounded in their core values whether it’s family, growth, faith, or adventure they ensure each day supports the bigger picture of a well-lived life.

2. They Stay Active in Body, Mind, and Spirit

Being physically active is about more than exercise it’s about independence. Happy retirees know that movement keeps them healthy, alert, and socially engaged. Whether it’s a walk, a swim, yoga, or dancing, they make staying active a non-negotiable part of their daily routine.

Beyond the physical perks like improved sleep, strength, and energy, staying active also boosts mental health. Many retirees find social connection through group fitness classes or walking clubs building relationships while boosting their endorphins.

Think of it like a retirement investment: the more effort you put in now, the more mobility, independence, and quality of life you’ll have later.

3. They Travel Even if Just Around the Corner

Travel keeps the mind fresh and the spirit adventurous. For retirees, travel doesn’t have to mean hopping on an international flight. Exploring a new local park, a nearby town, or even a museum can provide the mental stimulation and variety that combats boredom and isolation.

Happy retirees prioritize travel because it reignites curiosity and offers an emotional reset. It encourages learning about new cultures, enjoying new cuisines, and engaging in fresh conversations all of which support lifelong learning and mental sharpness.

And perhaps most importantly, it breaks up the routine, offering excitement and something to look forward to.

4. They Spend Time with People Who Matter

If there’s one thing retirement teaches quickly, it’s how precious time really is. Happy retirees know that relationships are everything and they prioritize time with family, grandkids, and old friends.

One powerful reminder comes from a blog post by Tim Urban, who points out that by the time we reach adulthood, we’ve already spent 95% of the time we’ll ever get with our parents. That realization sparks urgency for meaningful connection.

Retirees who invest in relationships whether through a weekly lunch, phone call, or family vacation report higher levels of life satisfaction and emotional well-being. They understand that shared memories, not material things, create a legacy worth remembering.

5. They Rekindle Their Sense of Play

After a lifetime of responsibilities, retirement offers a chance to rediscover play. The happiest retirees don’t just fill time—they fill it with joy. Hobbies like gardening, painting, reading, volunteering, or even trying something completely new (pickleball, anyone?) bring excitement and creativity into their lives.

These hobbies aren’t just time-fillers they’re purpose-givers. Exploring new interests stimulates the brain, adds structure to the day, and reconnects retirees with a sense of identity beyond their careers.

And even if they don’t know what they enjoy right away, they commit to the process of discovering it. That pursuit alone becomes a fulfilling journey.

Bonus: They Align Their Finances with Their Values

Financial security doesn’t guarantee happiness but financial alignment certainly supports it. Happy retirees regularly review their budgets and investment strategies to ensure their money is working for their values, not just sitting in an account.

The goal isn’t to die with the biggest portfolio, but to live with the freedom to do what matters travel, support family, donate to causes, or simply enjoy peace of mind.

When your finances reflect your priorities, every dollar becomes a tool for happiness rather than a source of stress.

Final Thought

Retirement happiness doesn’t happen by accident. It’s the result of daily intention reflecting, moving, connecting, exploring, and enjoying. If you’re already retired or getting close, ask yourself: What can I do today to live with more joy, meaning, and momentum?

Chances are, the happiest retirees are doing just that and so can you.

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 5 Things Happy Retirees Do Daily appeared first on ROI TV.

What Exactly Is an NFT? An NFT is a unique digital asset recorded on a blockchain—most often Ethereum—much like how real estate deeds are recorded at a county office. These assets can be JPEGs, GIFs, audio files, videos, or any form of digital creation. The appeal? Each one is unique and traceable, making it secure and tradeable.

What Makes an NFT Valuable? Kanodia identifies five main factors that determine an NFT’s worth:

• Age: Like classic artwork or vintage collectibles, older NFTs often command more value simply due to their historical relevance.
• Creator: NFTs from well-known artists or celebrities, such as Beyoncé or Beeple, carry a premium.
• Scarcity: Limited-edition NFTs or one-off creations are more valuable, much like how rare cars or luxury watches outperform mass-market alternatives.
• Release Pace: Artists who create fewer NFTs annually generally see higher valuations, as scarcity and exclusivity go hand-in-hand.
• Richness: The more immersive or feature-rich the NFT—think integrated music, motion, or interactive components—the more value it tends to hold.

How Do You Actually Value an NFT? There are two main approaches:

1. Income-Based Valuation: If the NFT generates revenue (like royalty payments), estimate its lifetime cash flow. Multiply that figure by a factor (usually 0.1 to 0.15) to get a rough valuation range.
2. Sales Comparison: Look at recent sales of similar NFTs to establish a market-based value—just like real estate appraisers use comps.

Are NFTs Like Domain Names or Tangible Assets? Yes—in many ways. Domain names were once a digital novelty but have grown into serious assets. Similarly, NFTs have the potential to become standard electronic property. Unlike physical assets, NFTs require no physical storage or maintenance. The only real cost? Blockchain transaction fees, known as “gas fees,” which are akin to property taxes.

Why Do NFTs Matter? Kanodia points out that NFTs are still early in their lifecycle, much like PDFs or emails once were. As digital ownership becomes more important, NFTs will likely be integrated into everything from art sales to concert tickets and intellectual property rights.

The Bottom Line NFTs may be digital, but valuing them is anything but vague. Understand the creator, rarity, depth, and utility of the asset—and you’ll start to see that an NFT’s worth isn’t just in the file, but in the function it serves in a rapidly evolving economy.

The post What It’s Worth: How to Value an NFT in the Real World appeared first on ROI TV.

Why does this car matter right now?
Because some of us still like driving. Not commuting. Not shuffling along in silence like a passenger in a sci-fi toaster. Driving. And the 2025 Audi S5 exists for precisely that reason. In a world gasping for attention with electric acceleration and screen addiction, the S5 says less—and does more. It’s a sedan that won’t lecture you about carbon footprints but might politely outrun your neighbor’s Tesla before breakfast.

Under its muscular bonnet is a 3.0-liter turbocharged V6 that punches out 349 horsepower and 369 lb-ft of torque. That’s zero to 60 in 4.5 seconds. Blink and it’s in the next zip code. Quattro all-wheel drive comes standard, as it should on anything from Ingolstadt, keeping the power planted whether you’re carving up mountain roads or dodging weather tantrums.

Fuel economy? A surprisingly grown-up 24 mpg combined. Meaning you can get your thrills without emptying your wallet or tank every other morning.

How does it compare to rivals?
This isn’t just some German gloss-job trying to keep up with AMG or M-badged hysteria. The S5 offers something those others often forget: balance.

The BMW M340i might be quicker in a drag race. The Mercedes C43 may shout louder with its synthetic exhaust trickery. But the Audi? It’s confident without being obnoxious. A sleeper with Matrix LED eyes and just enough snarl to keep things interesting.

Inside, the S5 plays the long game. A 12.3-inch digital virtual cockpit, 10.1-inch touchscreen, optional Bang & Olufsen 3D audio with 685 watts and 19 speakers—it’s less cabin, more command center. Wireless Apple CarPlay and Android Auto come standard. As does ambient lighting that can flip from “Cosmic Blue” to “Smug Successful Red” depending on whether you’re headed to the boardroom or barre class.

Adaptive dampers allow the S5 to dance when needed and glide when you’re nursing an espresso. Audi Drive Select lets you shift from Comfort to Dynamic with the push of a button—Jekyll to Hyde without ever raising your voice.

Who is this for—and who should skip it?
The 2025 Audi S5 is for people who understand that performance doesn’t have to be punishing, and that luxury doesn’t need a TikTok account.

It’s for drivers who appreciate subtlety over flash, precision over posturing. Someone who knows a torque curve better than a crypto chart. If you enjoy the feel of a finely tuned chassis more than launch control bragging rights, congratulations—you’ve found your car.

But if you’re looking for raucous drama, rear-wheel drift antics, or a badge that screams louder than it accelerates, look elsewhere. The S5 doesn’t need to shout. It knows what it is—and who it’s for.

What’s the long-term significance?
This isn’t just a mid-cycle refresh or a badge-and-trim money grab. It’s Audi refining the modern sports sedan template while everyone else pivots to SUVs and electric soapbars.

Yes, EVs are coming for us all, and yes, the S5’s days may be numbered. But until then, Audi has given us a final course in how to make a combustion-powered car feel relevant, exciting, and delightfully unhinged—in all the right ways.

Its MSRP starts at $57,900. Tick a few boxes, and you’re in the mid-sixties. Not cheap, but for what it delivers—performance, poise, and practicality—it’s a compelling argument against soulless crossovers and gimmick-packed techmobiles.

And with a 15.3-gallon tank, 21.8 cubic feet of trunk space, massage seats, panoramic sunroof, and lighting that could start a nightclub, the 2025 S5 doesn’t just keep pace with the times—it bends them to its will.

Like what you’ve read? Stay in the driver’s seat with more insider automotive insights. Follow @NikJMiles and @TestMiles for stories that go beyond the press release.

The post 2025 Audi S5: Fast, Smart, and Shockingly Civilized appeared first on ROI TV.

A presentation outlining the seven stages of wealth building with actionable steps for financial growth and legacy creation.

Highlights

1. Stages of Wealth Building

• Aaron introduced the concept of wealth building as a journey through seven distinct stages: financial struggle, solvency, stability, security, independence, freedom, and abundance/legacy, emphasizing that wealth is built intentionally step by step rather than through luck or magic.
• Each stage reflects a financial shift accompanied by a new mindset, habits, and levels of discipline, with tangible markers such as net worth, savings rate, income sources, and lifestyle changes.
• Aaron highlighted that most people never progress beyond stages three (stability) or four (security) due to a lack of a clear roadmap, and he aims to provide actionable guidance for climbing the wealth ladder.

2. Level 1: Financial Struggle

• Financial struggle is characterized by negative or near-zero net worth, non-existent savings, reliance on credit cards, irregular income, and constant financial emergencies.
• The main objective at this stage is to stabilize cash flows, with Aaron suggesting building a small cash buffer, such as $500 in savings, to create breathing room and reduce reliance on debt.

3. Level 2: Solvency

• Solvency is defined by a net worth between $0 and $10,000, a savings rate of 5-10%, and steady income without reliance on debt.
• Aaron described this stage as a starting line for many, particularly those fresh out of college, and emphasized the importance of building momentum by automating savings and creating a small emergency fund.

4. Level 3: Stability

• Stability is marked by a net worth between $10,000 and $100,000, a savings rate of 10-20%, steady employment, contributions to retirement accounts, and sustainable financial habits.
• Aaron noted that this stage provides a sense of comfort and security, but warned against complacency, urging individuals to focus on increasing income and accelerating wealth-building efforts.

5. Level 4: Security

• Security involves a net worth between $100,000 and $500,000, a savings rate of 15-25%, consistent retirement contributions, elimination of high-interest debt, and investments showing real growth.
• Aaron emphasized the importance of shifting from saving to investing, expanding income streams beyond retirement accounts, and preparing for long-term financial needs such as healthcare and rising costs.

6. Level 5: Independence

• Independence is achieved when investments cover all essential expenses, with a typical net worth between $500,000 and $1.5 million, and savings/investment rates of 25-40%.
• Aaron highlighted the transformative impact of financial independence, where work becomes optional, and investments generate income through dividends, interest, rental properties, or businesses.
• He advised focusing on withdrawal strategies, tax efficiency, and sustainable access to wealth, including Roth conversions and capital gains strategies.

7. Level 6: Freedom

• Freedom is characterized by a net worth between $1.5 million and $5 million, multiple income sources, and complete autonomy over time and lifestyle, enabling individuals to say yes to meaningful pursuits and no to unnecessary obligations.
• Aaron encouraged shifting focus from finances to fulfillment, creating intentional structures for life through activities like mentoring, volunteering, or launching new ventures driven by joy and purpose.

8. Level 7: Abundance and Legacy

• Abundance and legacy represent the pinnacle of wealth building, with a net worth of $5 million or more, where money becomes a tool for impact rather than personal needs.
• Aaron described this stage as shaping the world through scholarships, generational wealth, charitable foundations, and causes, emphasizing the importance of planting seeds for legacy early in the journey.
• He concluded by stating that true wealth is defined not by what is kept but by what is passed on, encouraging viewers to reflect on their current stage and take actionable steps to progress further.

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

The post 7 Levels of Financial Independence appeared first on ROI TV.

Let’s break it down.

1. Retirement Age

The earlier you want to retire, the more years you’ll need to fund without earned income—and that means higher savings. Retiring at 60 instead of 67 could mean needing hundreds of thousands more. On the other hand, delaying retirement gives your investments more time to grow and reduces your required annual savings rate.

2. Annual Spending

Forget replacing your income—what you really need is to replace your spending. If you’re spending everything you earn, you’ll need to replicate that level in retirement. But if you’re a super saver, your needs may be far lower. That’s why a custom retirement budget is more helpful than guessing based on averages.

3. Withdrawal Rate

This is the rate at which you safely draw from your savings in retirement. A 4% rate means you’ll need 25 times your annual spending. So if you need $60,000 per year, you’ll want $1.5 million. Prefer a safer 3% rate? Now you’re aiming for $2 million. Choose a more aggressive 5%, and $1.2 million might do the trick—but with more risk.

4. Other Income Sources

Pensions, Social Security, annuities, and rental income reduce how much you need to save. For example, $2,000/month in Social Security can offset nearly $500,000 in savings. Make sure to factor in all guaranteed income when calculating your savings target.

5. Longevity

How long you live affects how long your money must last. Planning for 25–30 years in retirement means keeping withdrawal rates conservative—perhaps 3.3% instead of 4%. That increases the amount you need saved but helps guard against running out of money.

6. Inflation

A 3% annual inflation rate means your $60,000 spending today could balloon to $145,000 in 30 years. Investing for growth is essential to keep pace. The good news? A safe withdrawal strategy like the 4% rule typically builds in inflation adjustments to maintain your purchasing power.

7. Healthcare Costs

Healthcare costs tend to rise as you age. Retiring before Medicare kicks in at 65 means covering 100% of your insurance. Even after 65, Medicare doesn’t cover everything—think dental, vision, hearing, and long-term care. A dedicated healthcare fund or HSA can help fill the gap.

8. Dependents

Supporting aging parents, adult children, or grandchildren? These added financial responsibilities stretch your retirement dollars. Whether it’s tuition support, caregiving, or living assistance, planning for others adds complexity—and cost—to your retirement equation.

9. Legacy Goals

Do you want to leave something behind for loved ones or donate to a cause? That goal increases your savings needs too. You’re not just saving to support yourself—you’re building a financial legacy.

Bottom Line:
There’s no shortcut to figuring out how much to save. But with these nine factors in mind, you can create a plan that reflects your real needs—not generic advice. Start early, stay intentional, and don’t compare your journey to anyone else’s. Your retirement is your destination.

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

The post 9 Factors That Determine Exactly How Much You Need to Save to Retire appeared first on ROI TV.

The State of the San Diego Housing Market

San Diego continues to be a seller’s market, with high demand and limited supply making it difficult for buyers to find affordable options. For many, the dream of homeownership feels just out of reach. Yet, there’s still opportunity, especially with guidance and a strategic approach.

Interest Rates: Holding Steady, But Still Elevated

After months of volatility, interest rates have shown signs of stability. According to Kaplan, current averages include:

• 15-year fixed: ~6.0%
• 30-year fixed: ~6.875%
• FHA/VA 30-year fixed: ~6.375%

While these rates aren’t historically low, they’ve been steady over the past month. If you’re planning to stay in your home for seven years or more, it may still be a good time to buy—especially when considering long-term equity growth and tax benefits.

First-Time Homebuyer Programs Make a Difference

Affordability may be a challenge, but there’s help out there. Kaplan highlighted a number of first-time buyer programs that offer either loans or outright grants for down payments. These include:

• California’s “Dream for All” program – a first-come, first-served initiative that helps buyers secure down payments
• City-specific grants – often forgiven after a certain period of ownership
• Income-based qualifications – while these programs are helpful, many come with income caps to ensure the support goes to those who need it most

Kaplan encourages potential buyers to act quickly, as funding for these programs is limited and demand is high.

An Affordable Gem in La Mesa

Not every home in San Diego commands a million-dollar price tag. A standout affordable option is a one-bedroom, one-bath property in La Mesa. With nearly 700 square feet of living space, the home offers:

• Newer hard surface flooring
• Energy-efficient windows
• Designated parking
• Access to a pool, spa, BBQ area, and grassy park-like surroundings

The location is also a winner—just steps from the La Mesa village, farmer’s market, and community events. It’s ideal for a first-time buyer or anyone looking to downsize into a walkable neighborhood.

Listed at $350,000

Luxury Living in Mount Helix

At the other end of the spectrum is a luxury estate in Mount Helix. This gated property features:

• 7 bedrooms, 8 baths
• 5,470 total square feet, including a 1,000-square-foot guest house
• Saltwater pool, tennis and basketball courts, and a private well for landscaping
• 51 solar panels and high-end kitchen appliances (Sub-Zero, Viking)

With panoramic views and no real competitors in the market, Kaplan predicts the home won’t last long—especially for buyers seeking privacy, size, and amenities rarely found in San Diego County.

Priced at $4,995,000

Homeownership Has Its Tax Perks

Beyond the property features, Kaplan emphasized the financial upsides of buying over renting. Tax deductions on mortgage interest and property taxes can make monthly payments more manageable, especially when paired with the long-term appreciation of real estate. For many, the math just works out better on the buying side.

The post San Diego Homebuyers Face Rising Costs but New Programs Offer Hope appeared first on ROI TV.

Let’s start with Roth conversions. Alex from Massachusetts asked whether he should convert more of his traditional IRA into a Roth while staying in the 24% tax bracket. Even if he remains in that bracket, the flexibility of Roth accounts is invaluable. Roth IRAs allow for tax-free withdrawals and are not subject to required minimum distributions (RMDs), giving you more control over your income in retirement. Plus, if one spouse passes away, the surviving spouse may be taxed at a higher single rate, making Roth conversions even more compelling. Putting higher-growth investments into a Roth also means more long-term gains without added tax burdens.

Then there’s Steve from San Diego. In just five years, he grew his portfolio from $100,000 to $775,000 by following tough-love advice from Joe and Big Al. With $40,000 from work and $47,000 from Social Security, his income is nearly covering his $100,000 annual expenses. The suggestion? He may be able to retire soon, but adding a bit more to savings and shifting some investments to safer assets can help protect against sequence-of-return risk—the danger of retiring during a market downturn.

Now let’s talk about real estate. Mike asked whether forming an LLC for his three duplexes would help with taxes. The short answer is no—LLCs don’t provide tax benefits for rental properties. Their primary value lies in asset protection. If a tenant sues, the LLC can shield your personal assets. While separate LLCs for each property offer the most protection, they also come with higher administrative costs. Liability insurance can be a simpler alternative or complement.

Charitable giving is another area where strategy matters. Qualified Charitable Distributions (QCDs) allow individuals over 70½ to donate directly from their IRA to charity—up to $100,000 annually, indexed for inflation. This reduces taxable income and fulfills RMD requirements. QCDs are ideal for those who are charitably inclined and taking the standard deduction.

For larger charitable intentions, Charitable Remainder Trusts (CRTs) or specifically Charitable Remainder Unitrusts (CRUTs) may be worth exploring. Horry wanted to know if he could use his IRA to fund a CRUT. Yes, but the structure must ensure at least 10% of the trust’s value goes to charity. The trust sells assets tax-free, provides income to the donor, and then donates the remainder. However, because CRUTs have administrative costs and complex tax rules, they’re best suited for those with significant assets.

Finally, Joe and Big Al reminded us of the importance of lowering equity risk as you approach retirement. Markets fluctuate, and pulling from stocks during downturns can rapidly drain your portfolio. Keeping enough in cash or bonds to cover a few years of expenses can help ride out rough markets without touching your long-term investments.

Retirement planning isn’t one-size-fits-all. But with careful tax management, smart charitable strategies, and a balanced investment approach, you can make your money last and leave a legacy you’re proud of.

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 How to Retire Smarter: Tax Strategies, Rental Property Tips, and Giving Back appeared first on ROI TV.

With a record number of Americans turning 65 this year—and 30 million more expected to retire by 2030—the financial strain of aging populations is unfolding in real time. But the biggest challenge isn’t just how many people are retiring. It’s how few of them are financially prepared to do so.

The Savings Shortfall

Over 20% of Americans nearing retirement age have no savings. More than half of current retirees hold less than $250,000 in total assets—including their homes. Yet millions are exiting the workforce anyway, often not by choice. Health issues, layoffs, and age discrimination are pushing older workers out before they’re ready. Many are entering retirement without enough to maintain their standard of living.

The Harsh Financial Reality of Retirees

Inflation, market volatility, and limited financial literacy have widened the retirement gap. Social Security, meant as a supplement, has become the primary income source for many. But it’s failing to keep up with rising medical costs and basic living expenses. Poverty among seniors is on the rise, and growing numbers are working physically demanding, low-wage jobs—often for under $15/hour—just to survive.

Even among those who want to keep working, the odds are stacked against them. AARP research shows that 56% of workers over 50 are laid off or pushed into early retirement. Reentering the workforce is hard; reentering it at a livable wage is even harder.

The Ripple Effect on Families

As retirement becomes less affordable, older Americans are increasingly leaning on their children for financial or physical support. That intergenerational burden affects work hours, career growth, and savings for younger adults—especially in lower-income households. It’s a cycle: financially insecure parents often raise financially insecure children, compounding economic strain across generations.

A Global Problem with No Easy Fix

America isn’t alone. Countries with more robust public benefits, like Japan and many in the EU, are facing similar problems. Governments worldwide are raising retirement ages and urging people to work longer—measures that are deeply unpopular and, in some cases, unfeasible for workers in physically demanding jobs.

Two Retirement Extremes

We’re seeing two diverging paths. On one hand, a small but vocal group of financially independent individuals—often younger and tech-savvy—are retiring early by living modestly and investing aggressively. On the other hand, millions of Americans are retiring with little to no plan, often relying on family, part-time work, or minimal public assistance to scrape by.

How to Prepare for the Inevitable

The only real solution for most individuals is to take responsibility early. That means saving in retirement accounts like 401(k)s or IRAs, building emergency funds, and understanding that Social Security may not be enough—or even guaranteed.

Financial literacy is no longer optional. Without it, today’s workers could face the same hard decisions many retirees now regret: selling their homes, cutting back on healthcare, or becoming financially dependent on their kids.

The Bigger Picture

An aging population with insufficient savings doesn’t just affect families—it reshapes the economy. Fewer workers and more retirees means higher taxes, more public spending, and fewer people contributing to economic growth. And with wealth inequality among boomers growing wider, a small group will live comfortably while millions face financial fragility.

This isn’t a hypothetical scenario. It’s the world we’re already living in.

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

The post The Retirement Reality Check: Aging Populations and the Financial Strain Ahead appeared first on ROI TV.

Credit Cards Aren’t a Tool—They’re a Trap

We’ve been conditioned to treat credit cards as a normal, even necessary, part of our financial lives. But the truth is, they’re part of a trillion-dollar system built to profit off your stress, your spending, and your setbacks. Sure, some folks chase airline miles or cashback rewards—but for most people, credit cards aren’t about perks. They’re about survival.

Millions of Americans are forced to rely on credit cards to make ends meet. Groceries, gas, school supplies—all of it gets swiped and deferred. But the price of convenience is staggering: credit card interest rates often range from 18% to 25%. At those rates, a $1,000 emergency can balloon into years of payments. That’s not convenience—that’s financial quicksand.

How Credit Card Companies Really Make Money

Let’s peel back the curtain. Here’s how these companies rake in billions:

• Interest Payments – If you’re not paying off your balance in full every month, the interest charges start stacking up fast. That’s where they make the bulk of their profit.
• Annual Fees – From $50 to $600 a year, just to access “perks” that you may or may not use.
• Swipe Fees – Every time you use a card, the business pays a processing fee—which they pass on to you in the form of higher prices.
• Late Fees – A single missed payment? That’s $25–$40 down the drain, often with interest back-charged from day one.
• Corporate Kickbacks – Credit card companies buy airline miles and hotel perks in bulk, creating “reward” partnerships that sound generous but are just another way to get you to spend more.

This isn’t just clever marketing. It’s a system designed to benefit everyone but you.

The Psychological Cost of Carrying Debt

The financial cost of credit cards is bad enough, but the emotional toll? That’s what really hits home. Living paycheck to paycheck, juggling minimum payments, dreading the mailbox—this is not freedom. It’s financial captivity.

The credit card industry thrives on consumer insecurity. Every luxury bank tower in Manhattan is built on your interest payments. It’s time to ask: Is it worth it?

The Path to Real Financial Freedom

Getting rid of credit cards isn’t just about cutting plastic. It’s about reclaiming your income, your confidence, and your peace of mind. When you’re not handing over hundreds (or thousands) to banks in interest and fees, you can start putting that money toward real goals—like saving, investing, and giving.

Debt-free doesn’t mean living without rewards. It means living with purpose.

If you’re ready to break free from the cycle, keep learning. This is just the start. I’ve got more episodes, tools, and resources to help you escape the credit card trap for good.

The post The Truth About Credit Cards: Breaking Free from the Debt Trap appeared first on ROI TV.

The Traditional Path Doesn’t Guarantee Financial Security Anymore

Many people still believe that higher education equals financial success. But a growing number of professionals with master’s degrees, PhDs, and doctorates are living paycheck to paycheck. Meanwhile, 8-year-olds are making millions on YouTube. The game has changed, and so must our approach to money.

The Trap of Relying Only on Your Salary

If your only source of income is a W2 salary, you’re one layoff, illness, or company restructuring away from financial instability. Salaries are capped. You can’t scale your time. And worst of all, you pay the highest tax rates. Investors, on the other hand, get access to lower tax brackets and smarter deductions.

Even High Earners Aren’t Safe

Surgeons, lawyers, and engineers often have impressive paychecks—but little time or experience to learn how to manage or grow their money. Many are afraid to take investment risks, sticking to the “safe” paths they were taught. But those paths rarely lead to wealth, and pride in degrees or titles won’t pay the bills later.

The Real Secret to Wealth: Ownership

If you want to build real wealth in America, you need to own assets—stocks, businesses, real estate. Financial education teaches you how to convert your labor income into capital income. That’s the bridge from working for money to letting your money work for you.

Lifestyle Creep Is Killing Your Net Worth

Many high earners think more income means more freedom. But what happens? Bigger houses, luxury cars, expensive vacations. A doctor couple earning $350,000 can still be broke if they spend it all. Even with a raise to $400,000, poor habits and lack of discipline leave them asset-rich but cash-poor—or worse, deep in debt.

Why Saving Alone Isn’t Enough

You might think you’re doing the smart thing by saving. But traditional savings accounts average 0.6% interest—while inflation runs at 2.4% or higher. You’re literally losing money by playing it safe. Even high-yield savings accounts can’t compete with long-term inflation. Investing is the only way to beat the system.

Move from Labor Income to Capital Income

In a capitalist system, capital ownership wins. The wealthy aren’t rich because they worked more hours. They’re rich because they own income-producing assets. Warren Buffett didn’t get rich clocking in 9 to 5—he got rich owning companies. If you’re a professional with a steady salary, the next step is to use that income to start investing.

My Story: From Courtroom to Capital

I grew up in a traditional Indian household. My parents drilled it into me: become a doctor, lawyer, or engineer. So I became an attorney. But after learning how the economic system really works, I turned my focus to financial education. That pivot changed everything—and now I help others escape the paycheck-to-paycheck trap.

Resources to Help You Start Investing

You don’t need to do it alone. My free daily newsletter, Market Briefs, breaks down the economy, stocks, crypto, and real estate into easy-to-read insights. You’ll also get access to my free investing master class, where I teach the fundamentals of building wealth from scratch.

If you’re ready to stop working for money and start making your money work for you, now’s the time to start learning.

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 Why Financial Education Beats the Traditional Career Path in Today’s Economy appeared first on ROI TV.