Let me break it down.

What the Bond Market Actually Is

Bonds are basically loans. When you buy a bond, you’re lending your money to a company (like Apple or McDonald’s) or to the U.S. government in exchange for interest payments. That’s it. It’s not about ownership like stocks—it’s about being the bank. And when you’re the bank, you care about getting paid back with interest.

Government bonds, or “treasuries,” come in three flavors:

• Treasury bills (1 year or less)
• Treasury notes (2 to 10 years)
• Treasury bonds (20 to 30 years)

Treasuries are seen as the safest investments in the world—because the U.S. government can always pay you back by taxing citizens or printing more money. But safe doesn’t mean simple.

What’s Going On in 2025

This year, bond yields are rising fast. Why? Because people are selling bonds. When demand drops, prices go down—and to attract new buyers, yields go up. Think of it like housing: if everyone’s selling their house, prices drop until someone bites.

This bond sell-off is raising red flags on Wall Street. Why? Because rising yields ripple across the economy. They make:

• Government borrowing more expensive
• Mortgage rates higher
• Car loans pricier
• Business loans harder to get

When borrowing gets expensive, economic growth slows. And that’s why the markets are nervous.

What’s Causing the Sell-Off?

A few big reasons:

1. China’s dumping treasuries. As one of the largest foreign holders of U.S. debt, China pulling back puts pressure on bond prices. They may be trying to reduce reliance on the U.S. dollar.
2. Debt fears. The U.S. is running massive deficits—spending way more than it earns. Rating agencies like Fitch and Moody’s have downgraded U.S. credit over the past decade.
3. Inflation. Investors want higher yields to keep up with inflation. No one wants to lock in low returns if prices keep rising.

How the Government Really Borrows Money

Here’s where things get eye-opening. The U.S. doesn’t just borrow from citizens. It borrows from:

• You (when you buy treasuries)
• Foreign governments (like China, Japan, and the UK)
• The Federal Reserve (which can literally print money and lend it to the Treasury)

That last part is important. When the Fed prints money to finance government debt, it devalues the dollar. That’s inflation. And inflation hurts your wallet—groceries, rent, gas—it all costs more.

Who Wins from Inflation? Not You

Inflation is a hidden tax. It eats away at your savings. But guess who benefits?

• Investors (assets rise in value)
• Corporations (can raise prices)
• Governments (pay off debt with cheaper dollars)

Meanwhile, if you’re not investing, you’re losing.

So What Can You Do?

Step one: Get educated. The economy isn’t designed to favor workers—it’s built to reward investors. That’s why I always say: Don’t just work for money. Make your money work for you.

Understand the bond market, inflation, and economic trends. Because the people who do are the ones who build wealth during times like these.

And if you’re ready to level up your money game, check out Market Briefs—my free daily newsletter—and my master class where I teach how the system works and how to start investing smart.

Because in today’s world, financial literacy isn’t a luxury. It’s survival.

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 the Bond Market Matters More Than You Think (And How It Impacts Your Wallet) appeared first on ROI TV.

1. Assess Your Starting Point If you’re in your 50s or early 60s, the clock may be ticking, but the game isn’t over. Many people nearing retirement believe they need $1.6 million, yet the average retirement savings for those aged 55-64 is around $400,000. That’s a big gap, but Joe and Big Al show that with the right strategy, you can still create a workable plan.

2. Spending Adjustments Make a Big Difference In a case study of a couple in their mid-50s, reducing annual spending from $100,000 to $90,000 extended their retirement savings by six years. This single tweak made their money last until age 84 instead of 78. It turns out, cutting back a little on travel, dining out, or unnecessary subscriptions could make a big long-term difference.

3. Working Longer or Delaying Retirement If you can work an extra two years, you gain twice: more money saved and fewer years drawing from your savings. In the case study, working until 66 (instead of 64) had almost the same positive impact as cutting expenses by 10%.

4. Roth Conversions and Tax Strategies Taxes don’t retire when you do. Joe and Big Al recommend using Roth conversions to shift money from traditional accounts to Roth IRAs while you’re still earning. Doing so can lower your future tax burden and give you tax-free income in retirement. Just make sure you use non-retirement assets to pay the tax bill, or you’ll lose the compounding advantage.

5. Sequence of Return Risk Is Real The early years of retirement are vulnerable to market downturns. If your portfolio drops and you’re withdrawing funds at the same time, it can cripple your future. Maintaining a balanced allocation and keeping your withdrawal rate low can protect your savings during rough markets.

6. The Triple Lindy Strategy Joe and Big Al combine four power moves: save more, spend less, delay Social Security, and work longer. They call this the “Triple Lindy,” and it could extend your savings lifespan to age 94. These adjustments may seem small individually, but together they have a massive impact.

7. Take Advantage of Catch-Up Contributions Starting in 2025, Americans aged 60–63 can contribute 150% of the standard catch-up limit. That’s $11,250 in additional contributions annually. Someone starting from $0 at age 59 could still end up with $340,000 by age 67 with diligent saving and a 6% return.

8. Plan for Health and Long-Term Care Long-term care costs can derail even the best retirement plan. With assisted living averaging $65,000 per year and skilled nursing at $100,000, make sure to include healthcare planning in your retirement strategy.

9. Understand Your Spending Patterns While many advisors say you’ll spend 80% of your pre-retirement income in retirement, Joe and Big Al warn this varies widely. Some retirees spend more early on during the “go-go” years and later face higher healthcare costs. Plan for flexible spending.

10. Use a Realistic Rate of Return Expecting a 6% return on your 401(k) is a conservative and practical benchmark for planning. Stick to a 60/40 stock-to-bond allocation and avoid emotional reactions that lead to buying high and selling low.

Final Thoughts It’s never too late to stage a retirement comeback. With the right mix of spending adjustments, tax planning, catch-up contributions, and strategic timing, you can extend your savings well into your 90s. And who knows? You might end up better off than if you’d started early but planned poorly.

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 Stage a Retirement Comeback: Smart Strategies for Financial Freedom appeared first on ROI TV.

New Tools to Combat Fraud

One of the SSA’s primary focuses is combating direct deposit fraud, which accounts for nearly 40% of all Social Security fraud cases. According to reports from the Epoch Times, over 20,000 beneficiaries had their funds misdirected between January 2013 and May 2018. To address this, the SSA has introduced a “final identity proofing policy” that employs algorithms to flag unusual account activity, prompting further review or in-person verification when necessary.

Importantly, these changes do not require all beneficiaries to visit Social Security offices in person. The goal is to protect identities without disrupting the application and benefits process for most people.

Understanding Common Fraud Tactics

Fraud within the Social Security system is typically committed by individuals misreporting income or living arrangements—for example, claiming to live alone to reduce rent obligations or hiding earnings while collecting benefits. While identity theft is a concern, these types of misrepresentation remain the more common offenses.

Operational Changes at Social Security Offices

To support the new identity verification requirements, the SSA has mandated that all employees work in-office five days a week. This change is intended to reduce long lines, improve staff availability, and increase efficiency in local Social Security offices. Additionally, updates to direct deposit information will now be processed in just one day, down from the previous 10-day timeline.

Policy Changes for Supercentenarians

To prevent fraudulent claims by individuals falsely reporting their age, the SSA now requires anyone over the age of 115 to verify their identity in person to continue receiving benefits. This new policy closes a loophole that had previously allowed claims to go unchecked due to record discrepancies.

A Refresher on Social Security Benefits

Social Security provides four primary types of benefits:

• Disability Benefits for individuals with medical conditions that prevent them from working.
• Retirement Benefits available from ages 62 to 70, with early withdrawals reducing total payouts.
• Spousal and Dependent Benefits, offering 50% of a spouse’s benefit to the other partner and eligible dependents under age 18.
• Survivor Benefits granting 100% of a deceased spouse’s benefit to the surviving partner.

Medicare and Social Security Online Applications Remain Accessible

Despite the new fraud prevention measures, online applications for Medicare and Social Security remain open and user-friendly. Beneficiaries can continue to apply from home and receive assistance from trained Medicare guides to help avoid mistakes and navigate complex eligibility rules.

Boosting Operational Efficiency

The SSA’s new policy rollout was delayed until April 14th to ensure a smooth transition. Now fully implemented, these changes aim to improve service delivery, expedite direct deposit updates, and reduce identity theft risks through consistent staffing and better technology.

Clarifying Longevity Claims in Social Security

Discussion also addressed the myth of super-longevity in “blue zones,” areas where individuals are believed to live past 110 years. In many cases, these claims result from medical record errors. The SSA has taken corrective action to ensure that age verification is accurate and benefits are properly distributed.

Take Action: Stay Informed and Protect Your Benefits

Beneficiaries are encouraged to stay updated on Social Security policies and report any signs of identity theft or fraud to their local SSA office. Assistance from Medicare guides is also available to help beneficiaries make informed decisions and avoid costly mistakes in both Social Security and Medicare enrollment.

The post New Social Security Fraud Measures Aim to Improve Security and Efficiency appeared first on ROI TV.

Psychological Barriers That Keep Retirees from Spending

Retirees often face internal conflicts when it comes to spending their nest egg. These psychological biases can create fear, guilt, and hesitation, even when they are financially secure.

Loss aversion makes retirees more sensitive to the idea of losing money than they are motivated by the joy of spending it. Even small withdrawals can feel like big losses.

Framing bias causes retirees to view income as “safe to spend” while treating their retirement savings as off-limits, almost like a safety net that must not be touched.

Narrow bracketing leads retirees to mentally separate their savings from other financial sources, making it emotionally harder to use those funds.

How Retirees Actually Spend

Data shows a striking difference between how retirees treat guaranteed income versus their personal savings. While retirees are comfortable spending money from Social Security or pensions, they are far more conservative with investments.

Retirees spend roughly 80% of their guaranteed income but withdraw only about 2% annually from their personal investment portfolios.

Guaranteed income sources like pensions and annuities encourage more confident spending compared to self-managed investment accounts.

How Required Minimum Distributions (RMDs) Influence Behavior

RMDs, which require retirees to withdraw funds from qualified retirement accounts after a certain age, serve as a useful nudge for those reluctant to spend.

Average spending from qualified accounts starts at 2.1% at age 65 and increases to 3.84% by age 80, largely because RMDs force retirees to use their savings.

This mandate can help reframe savings as usable income rather than an untouchable asset, easing psychological resistance.

Strategies to Build Spending Confidence

There are practical ways to reframe retirement savings as a reliable source of income, rather than a fragile pile of money to be protected at all costs.

Use managed payout funds that distribute regular monthly income, simulating the effect of a paycheck.

Set up automatic monthly withdrawals from investment accounts to establish consistency and reduce anxiety about “deciding” when to spend.

Consider annuitizing a portion of your portfolio to create guaranteed income streams, which have been shown to increase retirees’ comfort with spending.

The Importance of a Healthy Retirement Mindset

Mindset plays a major role in retirement satisfaction. Shifting the way you view your savings can dramatically improve your ability to enjoy retirement.

Think of your savings as your retirement paycheck money you’ve already earned and earmarked for this phase of life.

Spending in retirement isn’t reckless; it’s essential for enjoying the life you planned and saved for.

Remember, the goal of saving wasn’t just to watch numbers grow it was to give you freedom, comfort, and joy in retirement.

Final Thought

Spending in retirement shouldn’t feel like a guilty indulgence. With the right mindset and strategy, you can confidently enjoy your savings, knowing they’re doing exactly what they were meant to do: support the life you deserve.

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

The post Why Retirees Struggle to Spend Their Savings and How to Fix It appeared first on ROI TV.

Why Professional Contractors Matter

It might be tempting for homeowners or property managers to cut costs by hiring amateur HVAC technicians, but as Harab explains, that’s a short-term decision with long-term financial consequences. Mistakes in HVAC installation or maintenance can cost thousands to fix. Professional contractors not only reduce those risks, but they also enhance the value of the property. In fact, HVAC systems often account for 5–8% of a building’s total value. That means in a $500,000 home, a well-installed HVAC system could be worth $25,000 to $40,000.

And because HVAC systems are the most frequently serviced components in any home or commercial building, choosing the right contractor is essential not optional.

The State of the HVAC Industry

With over 100,000 contractors and 600,000 employees, the HVAC industry generates a staggering $85 billion annually. When it comes time to sell, HVAC businesses are typically valued between 0.25x and 0.35x of annual revenue or 2 to 4 times their Seller’s Discretionary Earnings (SDE). On top of that, sellers can also add the fair market value of inventory, property, plant, and equipment.

But valuation is about more than just numbers. Buyers want companies with loyal customers, experienced technicians, and consistent revenue. That’s what makes an HVAC business attractive and sellable.

What’s Driving HVAC Forward?

The HVAC industry is evolving quickly. Smart homes are no longer a niche market. Integrations with Alexa, Nest, Google Home, and ADT systems are becoming expected, not exceptional. Contractors who embrace this technology are staying ahead of the curve.

Sustainability is another major driver. Homeowners and businesses want to reduce their carbon footprint, which means contractors working with renewable energy systems are seeing increased demand. Niche sectors like hemp and cannabis grow facilities are also creating new opportunities for forward-thinking HVAC firms.

Harab emphasized that transparency is critical in today’s market. Customers expect online booking, visible pricing, and honest reviews. HVAC businesses that meet these expectations stand out.

Maintaining and Replacing HVAC Systems

Proper maintenance is the key to system longevity and customer satisfaction. As a general rule, one ton of air conditioning can cool up to 300 square feet of office space. Harab recommends using the “repair cost × age” rule: if a repair cost multiplied by the unit’s age exceeds the cost of a new system, it’s time to replace it.

For systems under 10 years old, annual preventative maintenance is a must. Not only does it help customers, but it also sets up the business for recurring revenue and future installations.

Boosting Business Value: The Smart Way

If you want to increase the value of your HVAC business, start with customer service. That means following up on reviews, asking for feedback, and making communication easy through apps, emails, and online portals.

Employee satisfaction is just as important. Technicians who feel valued and have access to training and certification programs tend to stick around and treat customers better. Harab emphasized the importance of recurring revenue, advising that 50–70% of a company’s earnings should come from service contracts. That gives you a cushion during slower months and a pipeline for future installations.

Professional management also plays a critical role. Clean bookkeeping, updated vehicles, strong supplier relationships, and good project management software all contribute to a more valuable, more investable business.

Play the Long Game

It’s easy to fall into the trap of chasing quick profits, but Harab warns against that mindset. HVAC success isn’t about overnight wins it’s about consistent value creation. Keeping customers happy, building a loyal team, and maintaining clean records are the keys to long-term growth.

So, what’s an HVAC business really worth? That depends on how much effort you’re willing to invest in doing it the right way. And when you do, it’s worth a lot more than you might think.

The post How Much Is an HVAC Business Really Worth? appeared first on ROI TV.

The original Ioniq 5 already had serious street cred in the EV world. It was fast, futuristic, and fun. But with the new XRT version, Hyundai decided it wasn’t enough to impress the Whole Foods parking lot. This one wants to be seen near ski lifts and gravel roads​, and charge at Tesla Superchargers while it’s at it.

The Look: More Brawn, Less Flash

The Ioniq 5 XRT shares its bones with the standard model, but adds attitude in the form of matte black cladding, rugged-looking wheels, and a general sense that it’s not afraid of a little trail dust. It’s still not built for Moab​, let’s be clear. There’s no extra lift, no terrain modes. This is Patagonia, not Rubicon.

Still, the aesthetic works. The pixelated lighting remains​, a sharp throwback to 8-bit cool​, and the whole package is retro-modern in a way that feels intentional, not nostalgic. Hyundai didn’t chase trends. They started one.

The Plug Heard Round the World

The biggest news? The XRT is the first non-Tesla EV in the U.S. to come with the North American Charging Standard (NACS). That’s Tesla’s plug, in case you’ve missed a year of headlines. And it means Ioniq 5 owners will have access to over 15,000 Tesla Superchargers by 2025.

With one plug swap and a handshake, Hyundai solved range anxiety in a way that software updates and clever apps never could. The Ioniq 5 isn’t just playing catch-up​, it’s leapfrogging the competition.

Lounge Meets Spaceship

Inside, the XRT is everything EV cabins promise but rarely deliver. Flat floors. A slide-away center console. Space to stretch and stash your gear. It’s minimal without being stark, and comfy without screaming “luxury tax.” Think Scandinavian design with a side of sci-fi.

It’s also practical. With vehicle-to-load (V2L) capability, the Ioniq 5 can power your laptop, your blender, or even a tent full of string lights. It’s a campsite-ready power station on wheels, which is more than can be said for most SUVs still stuck on cupholders as innovation.

Performance With a Punch

Don’t be fooled by the friendly face. This thing has torque​,​ 446 pound-feet of it, to be exact. With dual motors pushing out 320 horsepower, the Ioniq 5 XRT hits 60 mph in under 4.5 seconds. That’s quicker than some sports sedans, in a body that can carry dogs, groceries, and everything in between.

It’s not just fast in a straight line, either. Thanks to Hyundai’s E-GMP platform and 800-volt architecture, it charges from 10 to 80 percent in under 18 minutes. That’s a lunch break—not an overnight stay.

The Flaws (Because Every Hero Needs One)

The XRT isn’t perfect. It lacks a rear wiper, which feels like an odd omission on a vehicle made to look outdoorsy. And while the exterior screams trailhead-ready, there’s no real off-road gear under the surface. It’s more about looking adventurous than conquering the unknown.

But maybe that’s the point. Most owners won’t be rock-crawling. They’ll be hauling gear to the cabin, picking up the kids, or squeezing in a long weekend somewhere with cell signal. And for that crowd, the XRT is more than enough.

Verdict: Hyundai’s Got Grit

The 2025 Hyundai Ioniq 5 XRT isn’t just another electric SUV. It’s a bold statement from an automaker that’s no longer content to follow the rules—or the leaders. With Tesla’s plug onboard, class-leading charge times, and just enough off-road swagger, the Ioniq 5 XRT isn’t just in the game. It’s changing it.

Pixels, plugs, and a little bit of dirt. Who knew that was the recipe for EV greatness?

The post Hyundai Ioniq 5 XRT: Pixels Plugs and a Bit of Dirt appeared first on ROI TV.

The Hidden Challenges of Wealth

Raising children in a financially secure household presents a unique challenge: how do you teach the value of hard work when the struggle to survive is removed? Many wealthy parents find themselves manufacturing adversity—making their kids earn things others might receive for free in order to instill discipline, gratitude, and financial literacy.

Today’s financial landscape also looks very different from 20 or 30 years ago. With easy access to credit, one-click purchasing, and curated lifestyles on social media, today’s kids face a whole new world of instant gratification and comparison. If not managed intentionally, these influences can leave children unprepared for financial independence.

Building Financial Resilience in Children

Teach Gratitude: Helping kids recognize and appreciate their financial advantages fosters humility and a healthier relationship with money. Gratitude can be taught through conversations, family volunteering, or simply modeling appreciation in daily life.

Assign Chores and Responsibilities: Giving kids age-appropriate responsibilities at home helps them understand the value of work and contribution. This sense of accomplishment becomes a foundation for future self-reliance.

Say “No” Sometimes: In a world where saying “yes” is easy, saying “no” is powerful. Boundaries teach kids that money is finite and not every want can or should be fulfilled immediately.

Practice Patience: Teaching kids to wait and save for something they want builds critical skills in delayed gratification—an important trait for long-term financial success.

Let Them Face Disappointment: Shielding children from setbacks robs them of the opportunity to grow. Allowing them to experience disappointment builds resilience, emotional intelligence, and confidence in their ability to overcome challenges.

Strategic Parenting for Financial Literacy

Parents must strike a balance between providing support and allowing natural consequences. Avoiding the “snowplow parent” trap clearing every obstacle in a child’s path helps them become adaptable and financially independent adults.

You don’t need to give your kids formal finance lessons to raise money-smart children. Small actions go a long way:

• Create “no spend” months.
• Talk about budgeting for vacations.
• Let kids earn money for extras.
• Involve them in charitable giving decisions.

When kids learn both the tactical (how money works) and emotional (why it matters) aspects of finances, they gain the tools needed for long-term success—no matter how much money they start with.

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

The post Raising Financially Resilient Kids in Wealthy Families appeared first on ROI TV.

If you’ve ever felt discouraged about your retirement progress, this one’s for you.

Rethinking Retirement Savings Goals

We’ve all heard it before: “You need to save 10 times your salary by the time you retire.” Fidelity suggests hitting savings milestones like one times your salary by 30, three times by 40, and so on culminating in 10x by age 67.

But here’s the truth: only 9% of Americans actually reach that goal, according to a 2025 study by Northwestern Mutual. Why? Because the system is stacked against us rising costs, student debt, inconsistent income, and delayed saving habits all make it harder to hit that number.

Aaron emphasized that it’s time to stop chasing arbitrary savings targets and start planning based on your real-life expenses.

Build a Retirement Plan Around Your Lifestyle

Instead of focusing on income multipliers or that $1 million myth, Aaron encouraged viewers to ask a more important question: What will I actually spend in retirement?

If you’re a strong saver now putting away 20–25% of your income you may be in a better position than you think. Why? Because you’re used to living on less, which means you’ll likely need less in retirement too.

Track your spending, account for healthcare, hobbies, and travel, and build a savings plan that supports your retirement lifestyle not someone else’s spreadsheet.

Social Security: A Game-Changer for Retirement Income

One of the most overlooked elements in retirement planning? Guaranteed income. That includes Social Security, pensions, and annuities sources of income that don’t rely on the market.

Aaron ran the numbers. For someone who needs $60,000 a year in retirement and expects to receive $30,000 in Social Security, they’d only need to save about $930,000 to cover the rest. For someone needing $40,000 annually with the same Social Security benefit, the needed nest egg drops to just $430,000.

And for modest couples? Social Security could cover nearly all of their retirement spending no million-dollar portfolio required.

Boosting Retirement Readiness, One Step at a Time

If you’re behind on your savings goal, don’t panic adjust. Aaron suggested:

• Increasing your savings rate by just 1–2%
• Working part-time during retirement
• Delaying retirement by one or two years
• Downsizing or trimming unnecessary expenses

These small changes can make a big difference without requiring a complete overhaul of your lifestyle. It’s not about perfection it’s about progress.

Market Volatility Is Changing Retirement Expectations

With ongoing inflation and unpredictable markets, more Americans are scaling back their retirement goals. The average target savings amount fell from $1.46 million in 2024 to $1.26 million in 2025.

But that’s not necessarily bad news. More people are embracing phased retirement, working part-time, or offering consulting services. Others are relocating to lower-cost areas to stretch their dollars further and prioritize simplicity over extravagance.

Retire on Your Terms, Not Someone Else’s

Stop letting the million-dollar myth hold you hostage.

The real strategy is to understand the gap between what you’ll spend and what you’ll receive from guaranteed income. That’s what determines how much you actually need to save. And millions of Americans retire successfully without ever hitting that $1 million mark.

If you want a retirement plan that works, start with these three steps:

1. Track your current expenses
2. Calculate your expected income streams
3. Create a savings plan that fills the gap

Retirement isn’t about a magic number it’s about living the life you want, sustainably and confidently.

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

The post Forget the Million-Dollar Myth: A Realistic Approach to Retirement Planning appeared first on ROI TV.

If you’ve ever wondered about Roth IRA withdrawal rules, the best way to manage stock holdings, or how to avoid costly tax missteps, this article is for you.

1. Funding Early Retirement Before Age 59½

Peter Lemon asked how to cover a few “gap years” before age 59½ without triggering penalties on retirement account withdrawals. He considered using Roth IRA contributions, which can be withdrawn tax- and penalty-free at any time. But he was unsure how that applied to dollars rolled over from a 401(k).

Julie clarified that even after a rollover, Roth contributions retain their original basis and are still eligible for penalty-free withdrawals. However, earnings on those contributions are subject to the five-year rule or age 59½, whichever comes later.

Joe and Big Al cautioned against tapping Roth IRAs too early, emphasizing that preserving tax-free compounding is often worth the wait. Alternatives like the IRS 72(t) election—which allows for penalty-free withdrawals if you take equal periodic payments for five years or until age 59½—were also discussed.

2. Paying Roth Conversion Taxes from Retirement Accounts: A Costly Move

One common mistake? Using retirement funds to pay the taxes on Roth conversions. Big Al illustrated this with a cautionary tale: a couple withdrew $500,000 to pay off a mortgage, leading to a $200,000 tax bill and additional stress.

Whenever possible, taxes on Roth conversions should be paid from non-retirement (non-qualified) assets. Otherwise, you risk reducing your long-term nest egg and missing out on future tax-free growth.

3. Backdoor Roth Contributions vs. Brokerage Accounts

David from Cincinnati asked whether to prioritize backdoor Roth contributions or build liquidity through a taxable brokerage account. With $630,000 in assets at age 30, he’s in a strong position either way.

Joe pushed for maximizing Roth contributions to take advantage of tax-free compounding. Big Al made a case for building up liquidity, especially with kids and potential home improvements on the horizon.

The takeaway? It depends on your goals. If you’re laser-focused on retirement, Roth wins. If you value flexibility, taxable accounts give you more freedom.

4. Consolidating Individual Stocks vs. Index Funds

Another listener asked whether they should roll 20 individual stock positions into an S&P 500 ETF. Big Al noted that an index fund offers broad diversification across 500 companies—compared to the limited scope of 20 individual stocks.

Joe added that selling stocks may trigger capital gains taxes, so investors should evaluate both the tax implications and their confidence in the individual holdings.

5. Understanding the Roth IRA Five-Year Rule

A common point of confusion: does the five-year rule apply to non-taxable Roth conversions, like those from after-tax 401(k) contributions?

Big Al confirmed it does. All Roth conversions—taxable or not—are subject to the five-year waiting period before the money can be withdrawn penalty-free. That’s in addition to the rules around age 59½ and original contribution tracking.

6. Home Office Deduction After the Tax Cuts and Jobs Act

Big Al clarified that the home office deduction is now only available to self-employed individuals. Employees can no longer claim it on their federal returns. However, some states still allow it—so it pays to check local tax laws.

7. Balancing Pretax and Roth 401(k) Contributions

A participant asked if contributing 15% pretax and 5% Roth is a smart strategy. Big Al said it depends on expected tax rates in retirement.

Pretax contributions lower your taxable income today but are taxed later. Roth contributions offer no upfront break but provide tax-free withdrawals. Balancing the two offers flexibility, especially if you’re unsure where future tax rates will land.

8. Can You Use Roth Dollars to Pay for Roth Conversion Taxes?

Michelle wondered if it’s okay to pay Roth conversion taxes using Roth IRA dollars. Joe and Big Al said it’s technically allowed—but not ideal.

Why? Because using Roth funds today means giving up future tax-free growth. If other non-qualified money is available, it should be used instead.

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 Mastering Roth IRA Rules and Retirement Tax Strategies appeared first on ROI TV.

The Entry Point: Affordable Mobile Home in El Cajon

Square Feet: ~500
Bedrooms/Bathrooms: 1 Bed / 1 Bath
Year Built: 2021
Monthly Space Rent: $1,125

This newer mobile home, built in 2021, offers stainless steel appliances, laminate vinyl plank flooring, a full kitchen, and dedicated parking—all within a manageable 500 square feet. Located in El Cajon, the unit is ideal for buyers priced out of the condo market or those seeking simplicity without sacrificing comfort.
With a purchase price of just $64,000 and monthly space rent of $1,125, this option provides an affordable pathway to homeownership. Financing options are available, and monthly payments may be less than renting a traditional apartment in the area. It’s a strong choice for individuals prioritizing affordability, lower maintenance, and flexibility in location.

List Price: $64,000

The Dream Home: Coastal Manufactured Living in Carlsbad

Square Feet: 800
Bedrooms/Bathrooms: 2 Bed / 1 Bath
Year Built: 1968 (remodeled)
Monthly Fees: $360 + $102 Utilities

For those seeking a coastal lifestyle, a remodeled manufactured home in Carlsbad offers panoramic views, access to a 55+ gated community, and an amenity-rich environment including a clubhouse, pool, and spa.
Built in 1968 and fully updated, this 800-square-foot residence combines charm and location. Unlike mobile homes that typically lease land, this manufactured home includes land ownership—a major factor in its $1.5 million valuation. Its proximity to the beach and coastal walkways makes it a rare gem, appealing to retirees or anyone dreaming of relaxed, oceanside living.

List Price: $1,500,000

Understanding the Difference: Mobile vs. Manufactured Homes
The terms mobile and manufactured home are often used interchangeably, but they refer to very different types of housing. Mobile homes are built on trailer bases, registered through the Department of Motor Vehicles, and can be relocated depending on condition and park rules. They may be sold with or without the land they sit on.
Manufactured homes, on the other hand, are built in factories and transported to permanent foundations. These homes are often part of planned communities, and in some cases, include land ownership—making them eligible for traditional real estate financing. Their permanence, added amenities, and ownership structure often lead to higher resale values.

Where Affordability Meets Lifestyle
From a first-time buyer’s perspective, a $64,000 mobile home with modest rent can provide stability in a high-cost region. For those with bigger budgets and a desire for scenic living, a million-dollar manufactured home near the beach offers prestige without the maintenance of a traditional home.
As Ken Kaplan shared in this week’s discussion, choosing between mobile and manufactured homes comes down to lifestyle, location, and financial strategy. Whether you’re looking to save or splurge, San Diego’s market has something unique to offer.

The post San Diego’s Mobile and Manufactured Homes: Budget-Friendly Deals and Coastal Dreams appeared first on ROI TV.

Let’s break down what this change could mean for you or your loved ones.

What’s Being Proposed?

The proposal would automatically enroll eligible individuals into a Medicare Advantage (MA) plan unless they actively opt out. These plans, run by private insurers, already cover more than half of all Medicare beneficiaries—34 million out of 67 million in 2024. Supporters believe default enrollment could reduce missed deadlines and ensure people receive more comprehensive coverage, especially those unaware of the complexities of Medicare enrollment.

But critics argue it could cost taxpayers billions and reduce people’s ability to choose the right coverage for their personal health and financial needs.

How Medicare Enrollment Works Today

Currently, when someone becomes eligible for Medicare, they must actively enroll in Part B and decide between two main coverage paths:

1. Traditional Medicare (Parts A & B) plus a standalone Part D plan and an optional Medigap supplemental plan.
2. A Medicare Advantage plan, which bundles Part A, Part B, often Part D, and additional perks like dental, vision, and gym memberships.

MA plans offer broader benefits but often come with prior authorization requirements, limited provider networks, and restrictions on specialist access. Traditional Medicare provides broader provider choice with fewer hurdles, but beneficiaries must actively seek supplemental coverage to avoid out-of-pocket costs.

The Benefits of Default Enrollment

Proponents of default enrollment point to several advantages:

• Fewer Missed Deadlines: Enrollment deadlines during the Initial and Special Enrollment Periods can be confusing. Defaulting into an MA plan could ensure people aren’t left without essential coverage.
• Comprehensive Benefits: MA plans often offer added perks not included in Original Medicare, such as vision, dental, and hearing.
• Simplified Process: Automatically enrolling new beneficiaries could make the system easier to navigate for those overwhelmed by Medicare’s many parts and rules.

The Downsides: What Could Go Wrong?

While the idea may sound convenient, default enrollment comes with significant trade-offs:

• Provider Access: MA plans have smaller doctor and hospital networks. Default enrollment may place someone in a plan that excludes their preferred providers.
• Mismatched Drug Coverage: Beneficiaries may find their prescriptions are not covered or require higher out-of-pocket costs if the default plan’s formulary isn’t aligned with their needs.
• Freedom of Choice: Automatically assigning a plan could compromise individuals’ right to shop around for a better fit. While they can opt out, many may not realize they have that option.
• Increased Red Tape: Prior authorizations and referrals, common in MA plans, could delay treatment and frustrate both patients and providers.

What About the Cost?

Financially, default enrollment could be costly:

• The federal government already spends 20% more per person on Medicare Advantage enrollees than on those in traditional Medicare.
• That extra cost translates into $84 billion in excess spending projected for 2025 and up to $269 billion over the next decade.
• Beneficiaries could also feel the pinch. Medicare Part B premiums rose from $144.60 in 2020 to $185 in 2024, in part due to higher federal spending.

For comparison, a traditional Medicare + Plan G supplement provides predictable coverage with a monthly premium of $150–$180 and a fixed annual deductible ($257 in 2024), avoiding the uncertainty and limitations of MA plans.

Is This Even Legal or Feasible?

Any major change like this must go through the Center for Medicare & Medicaid Innovation (CMMI), which is tasked with testing new models that improve care without raising costs. It’s unclear whether this proposal meets those criteria. A rollout would require:

• Pilot Testing: Regional or national pilots to determine impact on cost and care quality.
• Fair Plan Assignment: Beneficiaries must be matched with suitable plans, ideally factoring in healthcare needs and geography.
• Clear Communication: Opt-out processes, plan summaries, and doctor network information must be transparent and accessible.

Final Thoughts

The idea of default enrollment in Medicare Advantage plans may sound like a step toward simplifying healthcare. But under the surface, it’s far more complicated and potentially expensive. While it could help ensure more people are covered, it also risks undermining individual choice and creating administrative headaches for patients and providers alike.

For now, the best strategy is to stay informed and review your Medicare options carefully. Whether you prefer the flexibility of traditional Medicare or the added perks of a Medicare Advantage plan, the key is understanding the pros, cons, and costs of each.

The post Should Medicare Advantage Be the Default? What a New Proposal Could Mean for You appeared first on ROI TV.

Let’s talk about four financial habits that keep people broke and more importantly, how to break free.

1. Lifestyle Creep: Spending Your Raise Before You Get It

It starts innocently enough. You get a raise, so you upgrade your car. Then you move into a bigger house, get a second streaming service, eat out more often. Before you know it, your expenses have grown to match your income and you’re still living paycheck to paycheck. This is called lifestyle creep, and it’s a silent killer of financial stability. It doesn’t matter if you make $40,000 or $140,000 a year if you spend every dollar, you’re always one emergency away from disaster. The key is to pause every time your income increases and ask: “Can I keep living like I was and save the rest?”

2. Four Habits That Keep People Broke

Let’s get honest. Here are four behaviors that drain your wealth faster than you can build it:
a. Living Beyond Your Means
If you’re spending more than you make, you’re not just treading water you’re sinking. The fix? Create a monthly budget that reflects your actual income, not your ideal lifestyle. I use the EveryDollar app to track mine, and it’s been a game-changer.
b. Thinking Payments Are Normal
Car payments. Credit cards. Personal loans. We’ve normalized debt so much that most people think it’s just a part of life. But imagine what you could do if you weren’t sending hundreds of dollars to the bank every month. Use the debt snowball method: pay off your smallest debt first, then roll those payments into the next one. Keep going until you’re free.
c. Not Saving Consistently
Saving money isn’t a one-time decision it’s a rhythm. Start with a $1,000 emergency fund. Once you’re out of debt, build up three to six months of expenses. Then, aim to put 15% of your income toward retirement. Saving is a muscle—the more you use it, the stronger it gets.
d. Trying to Keep Up with Everyone Else
You know this one. You see your friend’s vacation photos and think, “I deserve that too.” But comparison is a trap. Nearly 45% of Americans go into debt just to maintain appearances. Instead, focus on your own goals. Save for the things you truly care about and skip the rest.

3. Why Budgeting Is Non-Negotiable

I’ve never met someone who got wealthy by accident. A budget is the map to your money goals. It keeps you from overspending, helps you say “no” with purpose, and shows you where every dollar is going. If you’re not budgeting, you’re guessing and that’s no way to build wealth. Use tools like EveryDollar, Mint, or even a spreadsheet. The point is to get intentional.

4. Getting Out of Debt: Your Income is Your Greatest Tool

Debt isn’t just a drag on your finances it’s a leash. Every dollar you owe is a dollar that can’t go toward investing, saving, or building your future. Getting out of debt puts your income back in your hands. When you’re debt-free, you can start to build wealth instead of pay interest. That’s how real financial freedom starts.

5. Saving for Today and Tomorrow

Build an emergency fund now, not later. The peace of mind is worth it. Once you’re stable, aim to save 15% of your income for retirement. Compound growth is real and the sooner you start, the less you’ll have to save over time.

6. Stop Playing the Comparison Game

Comparison is the thief of joy and the enemy of your bank account. Chasing someone else’s lifestyle is a guaranteed way to stay broke. Financial independence comes when you stop trying to impress others and start investing in yourself.

Final Thoughts
Breaking bad money habits is hard but it’s absolutely worth it. When you stop living beyond your means, ditch debt, start saving, and ignore the noise of other people’s spending, your life changes. You go from surviving to thriving. You don’t need to be rich to build wealth. You just need to stop doing the things that keep you broke.

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

The post 4 Financial Habits That Keep You Broke and How to Break Free appeared first on ROI TV.

Don’t get me wrong—those are critical questions. But retirement readiness goes beyond spreadsheets and simulations. It’s not just about whether you can retire it’s about why, when, and how you want to live the next phase of your life.

In this article, I want to shift the conversation and ask you five essential questions that go deeper than financial figures. These questions are designed to help you find the right balance between security and fulfillment.

1. Am I Trading Time for Money I May Never Use?

One of the most sobering moments in my career came from a client who worked tirelessly into his late 60s. He was driven by financial perfection he wanted to hit one more milestone, boost his portfolio just a little more. He finally retired… and passed away shortly afterward.

That experience shook me. It’s a reminder that time is a nonrenewable resource. Working longer can strengthen your retirement finances but at what cost? If you’re delaying retirement in pursuit of a few more percentage points, ask yourself: Am I sacrificing experiences I may never get back?

2. What Is the Cost of Working Longer on My Health?

By the time most people reach their early 60s, they’ve been through decades of stress, deadlines, raising kids, and juggling responsibilities. And it shows. Studies link prolonged work stress to higher risks of depression, heart disease, and stroke.

You can plan for a long retirement, but don’t forget to plan for a healthy one too. The longer you work, the more you may be chipping away at the healthiest years you’ve got left. I always ask clients: Are you extending your financial runway at the expense of your health span?

3. How Much Time Do I Really Have Left with the People I Care About?

Retirement isn’t just about not working it’s about living. And a big part of living is being with the people who matter most. Yet for many of us, work steals the bulk of our waking hours. Long commutes, late-night emails, weekend shifts—they all add up to lost moments.

Think about your aging parents, your grandkids, your friends who live across the country. How many more trips, birthdays, or holidays will you get with them? Retirement gives you back time but only if you take it.

4. Am I Planning for a Healthy Retirement Or Just a Long One?

There’s a big difference between life span and health span. Life span is how long you live. Health span is how long you stay energetic, active, and vibrant.

The first five years of retirement are often the best years to do the things you’ve always dreamed of: travel, take up new hobbies, spend quality time with grandkids. But if you wait too long, your body may not keep up with your bucket list. Don’t plan your retirement to begin after your best years plan it to include them.

5. Am I Letting Fear Delay a Financially Feasible Retirement?

I’ve seen it more times than I can count people who are financially ready to retire but just can’t bring themselves to do it. “Just one more year,” they say. But one becomes two, then five.

Yes, you need to be financially prepared. But sometimes we confuse preparation with perfection. If your plan is solid, your debts are low, and your income streams are in place, don’t let fear rob you of the time you’ve earned. The goal is not to die with the most money it’s to live with the most meaning.

Final Thoughts: Balance Is the Real Goal

If you’ve already asked yourself the classic financial questions what’s my savings target, what’s my withdrawal rate, when to take Social Security great. But now it’s time to ask yourself these five deeper questions.

Because the truth is, retirement readiness isn’t just about having enough money. It’s about having enough life left to enjoy it.

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 Questions to Know If You’re Really Ready to Retire appeared first on ROI TV.

Let’s break down the economic trends and the smart strategies that can help you build wealth through the noise.

1. The Tentative Trade Deal with China: Hope with a Side of Uncertainty

Wall Street may be breathing easier after a preliminary trade agreement with China, but don’t break out the champagne just yet. While it reduces the likelihood of a 2025 recession, much remains unclear especially with the current tariff pause set to end after July 8th.

Tariffs could still return in full force. If they do, businesses will either absorb the rising costs (squeezing their margins) or pass them on to consumers triggering inflation.

Bottom line: This deal is good news, but we’re not out of the woods.

2. Recession Risks: History Offers Perspective

Yes, the U.S. economy contracted in the first quarter of 2025. But don’t panic. Recession technically requires two back-to-back quarters of decline, and unemployment remains low.

Since 1925, America has weathered 16 recessions more than one per decade. Each time, long-term investors came out stronger. If you’re playing the long game, history suggests staying the course through downturns is often the best move.

3. Tariffs and Inflation: A Dangerous Duo

Tariffs aren’t just a geopolitical bargaining chip they’re a direct contributor to inflation. Walmart recently confirmed it will raise prices due to import costs, and other retailers are likely to follow.

Although official reports claim inflation is “under control,” many fear that tariffs could reignite the fire, making everything from groceries to electronics more expensive.

If tariffs do push inflation higher, the Federal Reserve may hold off on rate cuts, even if the economy cools.

4. Interest Rates: Tug-of-War at the Fed

President Trump is pushing for interest rate cuts to spur the economy, but the Federal Reserve is cautious. Inflation concerns and the Moody’s downgrade of the U.S. credit rating from AAA to AA1 are reasons for pause.

Higher debt means more interest payments and investors now see U.S. debt as riskier. This could drive interest rates even higher, impacting everything from mortgage costs to business lending.

5. Investor Sentiment: More Powerful Than Policy

Here’s the wild card: emotion.

Investor sentiment has become a critical driver of market dynamics. Moody’s downgrade and uncertainty around tariffs have shaken confidence, but sentiment can shift quickly. A positive tariff resolution or rate cut could turn fear into FOMO (fear of missing out).

Smart investors stay grounded, not reactive.

6. The Debt Picture and Political Maneuvering

Consumer debt is ballooning. Americans are relying on credit to maintain lifestyles, while businesses wait for clarity before making major investments.

President Trump has floated major tax cuts and incentives for foreign investment, hoping to stimulate growth. But whether these policies materialize and whether they’re effective is still unknown.

For now, the best move is caution and strategy.

7. Long-Term Investment Strategies: ABB (Always Be Buying)

During uncertain times, the smartest strategy is often the simplest: Always Be Buying.

Whether you’re passive or active, here’s what works:

• Passive investors: Keep dollar-cost averaging into diversified funds like the S&P 500. Markets dip, you buy more shares. It’s that simple.
• Active investors: Look for businesses poised to benefit from tariff changes (e.g., domestic manufacturers), but know this carries more risk and requires research.

Remember: recessions create opportunities. Staying financially educated and invested during downturns often leads to long-term wealth.

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 Wall Street Says the 2025 Recession is Cancelled appeared first on ROI TV.

Golf’s Evolution: From Tradition to Transformation

Once defined by exclusivity and 18-hole marathons, today’s golf scene is leaning into flexibility and accessibility. Over 50% of golfers are now millennials and women two groups reshaping the industry’s expectations. Nine-hole games, 90-minute outings, and modern clubhouse experiences are becoming the norm.

Technological innovations like swing analyzers, Bluetooth-enabled carts, and virtual golf simulators are attracting younger, tech-savvy players. Even the course itself is changing: low-water grasses, GPS-guided sprayers, and natural fertilizers are becoming standard for sustainability.

Golf by the Numbers

There are 17,000 golf courses in the U.S., contributing over $20 billion annually to the economy and supporting a massive ecosystem of 100 million golfers and fans. Yet here’s the reality check only 20% of those courses are profitable.

Why does that matter? Because valuation in the golf world has shifted dramatically. While courses once sold for 8 to 10 times their earnings, today’s going rate is more often between 1 and 1.5 times gross revenue. That number can dip to as low as 0.5X or climb to 3X depending on location, cash flow, and land value.

Land Value vs. Business Value

In the golf business, the land can often be worth more than the game. A golf course losing money might actually be more valuable when repurposed for residential or commercial development. The land beneath the 18th hole may one day support homes, not birdies.

That said, for courses with strong positive cash flow usually those that double as event venues for weddings, corporate retreats, and community outings investors see gold. These properties generate not just steady income, but goodwill and local brand value.

The Emotional and Social ROI of Golf

What makes golf unique isn’t just its business model it’s the relationships it fosters. Spending four hours with someone on a course is still one of the best ways to build a professional or personal bond. The sport’s built-in time, rhythm, and shared challenge create a kind of networking that no email or Zoom call can match.

Golf also carries a philosophy of personal resilience. As PGA legend Peter Jacobsen says, it teaches us to focus on “the next shot.” In business and life, adaptability is survival and nowhere is that more evident than on the fairway.

So, What’s It Worth?

The answer depends on cash flow, land value, and alignment with modern trends. Is the course profitable? Environmentally responsible? Adaptable to changing tastes? If yes, it could be a powerful investment offering both income and inspiration.

In the end, a golf course isn’t just real estate. It’s part experience, part ecosystem, and part philosophy a rare asset that’s as much about the next shot as it is about the final score.

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

The post What’s a Golf Course Really Worth? appeared first on ROI TV.