If you buy a $500,000 house with a 30-year mortgage at 6.5%, you’ll pay about $900,000 total over the life of the loan $500,000 for the home and $400,000 in interest. Stretch that same loan to 50 years, and the total balloons to $1.35 million. That’s $850,000 in interest alone. In other words, you’ll pay nearly three times the price of your house, and most of that money goes straight to the bank. You might have lower payments each month, but you’ll be a debt slave for most of your life.

Now, some people argue that since the average homeowner only stays in their house for about 12 years, a 50-year mortgage could still make sense. You’d enjoy the lower monthly payments and sell before the real costs hit. But here’s the truth — most people don’t invest the difference they save each month. They spend it. And without investing, those “savings” disappear while the bank keeps collecting interest.

This is the trap too many Americans fall into. We’re told that homeownership is the ultimate investment, but for millions of people, it’s turned into a financial burden. Seventy percent of Americans live paycheck to paycheck, and over half of new homeowners in the last six years say they regret their purchase. Between maintenance, taxes, insurance, and rising interest rates, owning a home has become more stressful than ever.

Even if you could handle the payments, a 50-year mortgage doesn’t build real wealth it builds bank profits. The only people who truly benefit from longer loan terms are lenders. They get guaranteed income for decades while homeowners take on all the risk. If you want to get ahead financially, you need to think like an investor, not a borrower. That means focusing on owning assets that pay you — not liabilities that drain your cash flow.

Trump’s proposal also comes with another headline-grabbing idea: a $2,000 rebate check funded by tariff revenue. The government could generate around $300 billion in tariffs in 2025, and if it limits the rebate to Americans earning under $100,000, roughly 150 million people could qualify. It sounds good free money during tough times. But what happens next? Most people spend it instantly, and who profits? The companies that sell you the stuff. Once again, the money flows upward, not outward.

The real key to financial freedom isn’t government checks or longer loans it’s mastering your cash flow. I teach people to follow a simple formula: spend 75% of what you make, invest 15%, and save 10%. That’s how you build long-term wealth, not through shortcuts or political promises. If you get any stimulus or rebate money, use it strategically pay off high-interest debt, build an emergency fund, or invest in assets that grow over time.

Owning a home can be an amazing thing. It’s where memories are made, families grow, and futures are built. But never confuse it for your best investment. Your house might appreciate, but it doesn’t pay you every month like a real investment does. And with a 50-year mortgage, by the time you finally pay it off, if you ever do, you’ll have missed out on decades of compounding opportunities.

So before you sign up for a half-century of payments, ask yourself: do you want to own your home, or do you want your bank to own you?

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 Trump’s 50-Year Mortgage Plan: A Quick Fix That Could Cost You Everything appeared first on ROI TV.

If you’re 40 and making $100,000 a year, these guidelines say you should have around $300,000 saved. By 60, that number should be closer to $800,000, and by 67, about $1 million. That’s not unreasonable advice, but it’s not universal either. For someone with a pension, rental income, or plans to downsize, that number could be too high. For others, especially those retiring early, it might be too low.

Here’s where the problem starts: these rules can cause unnecessary stress. I’ve talked to plenty of people who feel like they’re behind just because they don’t meet these benchmarks. But your number depends on your personal equation when you want to retire, how much you’ll spend, and what income sources you’ll have outside of your portfolio.

Take Emily, for example. She’s 40, has saved $300,000, and wants to retire at 55. Based on the “3x income” rule, she’s technically on track, but her goal of retiring 12 years early means her savings will need to last much longer. On the other hand, Greg and Sherry are both 50 with $400,000 saved but they’ll receive a pension covering 80% of their retirement income needs. They’re in great shape, even though they fall short of the “6x” rule. And then there’s Michael, age 60, who has $500,000 saved but plans to downsize his home and free up $400,000 in equity. That move alone changes his entire retirement outlook.

That’s why retirement planning isn’t about fitting into a formula it’s about building a strategy that fits your life. Here’s the approach I recommend: start by estimating your future expenses. Think about what will decrease (commuting costs, mortgage payments) and what might increase (healthcare, travel). Then, identify non-portfolio income sources like Social Security, pensions, or rental income. These will help offset your total expenses. Once you’ve done that, you can calculate the gap the difference between what you’ll need and what you’ll already have coming in.

Now it’s time for some math. Let’s say your estimated retirement expenses are $120,000 a year, and you expect $60,000 from Social Security and a small pension. That leaves a $60,000 gap. Using the 4% withdrawal rule a common guideline for sustainable withdrawals you’d need a portfolio of about $1.5 million to generate that $60,000 annually without depleting your savings too quickly.

Here’s the step-by-step version of that process:

1. Estimate your annual retirement expenses and adjust for inflation.
2. Identify non-portfolio income sources (Social Security, pensions, rental income).
3. Subtract those from your total expenses to find your annual income gap.
4. Multiply that gap by 25 (based on a 4% withdrawal rate) to determine your target portfolio size.

It’s not as flashy as a simple age-based chart, but it’s far more accurate and far less stressful. Retirement planning isn’t about chasing someone else’s number. It’s about finding the number that works for 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 How Much Should You Have Saved for Retirement by Age? The Truth Behind the Rules of Thumb appeared first on ROI TV.

Why does this matter right now?

Large three-row SUVs dominate the American family car market; buyers want space, comfort, and value. Hybrids are rapidly becoming more mainstream as daily commuting habits resist full EV infrastructure change. The Palisade Hybrid delivers an alternative: all the size of a full-sized SUV, combined with fuel efficiency typically seen in midsize crossovers.
Hyundai’s move ties into broader industry signals. Hybrids are gaining traction partly because plugging in still demands lifestyle adjustments. Suppliers like AISIN emphasize hybrid transmissions as the pragmatic bridge to electrification. Meanwhile, Hyundai’s own investment story, including its U.S. expansion, reinforces the Hybrid Palisade’s relevance.
In short, parents who need room, tech-savvy drive modes, towing capability, and strong fuel economy don’t have to make fundamental lifestyle compromises. That matters.

How does it compare to rivals?

Against the Toyota Grand Highlander Hybrid and the Kia Telluride, the Palisade Hybrid stakes out clear terrain. The Grand Highlander Hybrid offers strong hybrid credentials but trails on driving dynamics and doesn’t match the Palisade’s powertrain punch. The Telluride remains petrol‐only (for now) and misses the efficiency angle entirely.
Inside the cabin, the Palisade Hybrid brings premium touches, dual 12.3-inch curved screens, ambient lighting, and even a “Stay Mode” that lets you run A/C and infotainment while parked. Compare that to some rivals, where the tech menu still feels awkward or dated. On the powertrain front, the turbocharged 2.5-litre inline-four plus dual-motor hybrid setup and six-speed automatic gearbox deliver mid-six-second 0-60 mph times, quicker than many expect for a big three-row SUV.

Who is this for, and who should skip it?

This SUV is aimed at families who need three-row space, value strong tech and efficiency, and want to do so without adopting full EV habits, no plugging in every night, no range anxiety. It suits those who tow occasionally (4,000 lb. capacity), school-run heavy households, road-trip devotees, and buyers who want a refined, quiet cabin without premium-luxury pricing.
On the flip side: if you’re chasing luxury badge appeal, hardcore off-road credentials, or full-EV zero-emissions status, this may not be the exact fit. Buyers who already have charging infrastructure, want massive towing (beyond 4,000 lb), or prefer plug-in hybrids/PHEVs might look elsewhere. Also, if you live in a region where a full EV is the only intelligent choice (thanks to subsidies or home solar setup) then the hybrid may feel like an interim step rather than a destination.

What is the long-term significance?

For Hyundai, the Palisade Hybrid is far more than a model refresh; it signals a strategic pivot. Its hybrid architecture is scalable across future models: compact SUVs, crossovers, and even corporate fleet vehicles. In other words, this tech may become “everywhere” before full electrification reaches its potential. That aligns with broader industry commentary; hybrids remain a “comfort food” in transition.
On a consumer level, the Palisade Hybrid represents the point where efficiency doesn’t feel like a sacrifice. Quiet cabin, strong performance, tech-rich interior, in the family‐SUV segment that truly matters. It may redefine what buyers expect when they say, “efficient three-row SUV” rather than “compromise three-row hybrid.”
Resale value should also benefit. Hybrids tend to age better than traditional ICE vehicles, and Hyundai’s reputation for reliability underpins that trend. Add to that Hyundai’s extensive U.S. investment and manufacturing localization, and you have stronger availability, shorter waiting lists, and a brand building trust.
In essence, the 2026 Palisade Hybrid doesn’t just check boxes; it raises them. If one car signals how mainstream electrified three-rows should look and feel, this is a strong contender.

Final verdict
Hyundai didn’t simply electrify the Palisade; they made it genuinely desirable. Quiet, quick, tech-rich, and efficient without feeling like a compromise. If you’re looking at three-row hybrids and want a serious all-rounder that doesn’t require lifestyle adjustments, the Palisade Hybrid should top your short list.

The post 2026 Hyundai Palisade Hybrid: The 329-hp, 30+ MPG Three-Row Game-Changer appeared first on ROI TV.

The use of the word “unprecedented” has quadrupled in the last two decades. In fact, Oxford named it their word of the year in 2022. And it’s not hard to see why. Just look around: world leaders stepping down in France, Japan, and Lithuania; major protests erupting across Europe and the Americas; and billionaires like Elon Musk and Larry Ellison holding more wealth than all billionaires combined in the year 2000. The world feels tilted and people are trying to find their footing.

We’re Living Through a Time of Constant Upgrades and Constant Anxiety

Let me put it this way: we’ve had 80 years of nearly uninterrupted economic growth. That’s longer than any civilization in modern history has experienced. Wages grew, technology exploded, and living standards soared. But now, the system that built that prosperity is showing cracks.

The global labor market has turned into a pressure cooker. Everything is competitive — from college admissions to housing, jobs, and investments. Meanwhile, the cost of new technology keeps rising, but its real benefit to society is questionable. And as older leaders continue making decisions that primarily serve their generation, younger workers are left paying the bill.

That tension between what we’ve gained and what we might lose is fueling the sense that everything is “unprecedented.”

What Video Games Can Teach Us About the Economy

Strangely enough, the video game industry might be the best metaphor for our current economy. The industry now makes three times more money than film and music combined. It’s massive. But for players, it’s not necessarily more fun.

Competitive gaming has become so extreme that most players get crushed before they can even enjoy it. Sound familiar? Just like in real life, a small group of top performers dominate the system. A 2006 study found that only 2% of players ruin the experience for everyone else and the same could be said about financial markets or politics. A few players at the top shape the rules for everyone below.

To cope, people start cheating or paying for shortcuts think microtransactions in games, or credit-fueled lifestyles in real life. Instead of enjoying the process, people spend money just to keep up appearances. That’s not entertainment that’s exhaustion.

We’re Richer Than Ever But Feel Poorer Than Ever

It’s wild to realize that global poverty is at historic lows, and yet dissatisfaction is at record highs. Living standards have gone up almost everywhere, but people feel more trapped, more anxious, and more hopeless than in decades past. Why?

Because when everyone’s doing better on paper, the comparison game gets worse in reality. The internet and social media pour gasoline on this fire. Every day you’re bombarded with curated success someone’s vacation, someone’s new car, someone’s crypto win. It’s a never-ending highlight reel that makes your progress feel insignificant.

The irony is that the media system built to connect us is actually designed to divide us. The old saying “if it bleeds, it leads” has turned into “if it triggers, it trends.” Algorithms feed us outrage because outrage keeps us scrolling and scrolling keeps us consuming.

How to Build Stability When the World Feels Unstable

Here’s the thing: none of this means you’re powerless. It just means you need to approach your finances and your mindset differently than past generations did.

When uncertainty is the new normal, you can’t afford to coast. That’s why I tell people to focus on three key things:

1. Own assets that produce cash flow, not just assets that depend on hype or appreciation.
2. Stay liquid, so you can take advantage of opportunities when others panic.
3. Limit exposure to fear-based media, because it manipulates your financial emotions more than you realize.

History moves in cycles, and this “unprecedented” cycle will pass too. The people who come out stronger will be the ones who stopped chasing perfection and started mastering discipline.

Unprecedented times aren’t a reason to panic. They’re a reminder that old systems break before new ones emerge. The question is whether you’ll be a spectator or an investor when the next chapter begins.

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

The post Why Everything Feels Unprecedented and What It Means for Your Money appeared first on ROI TV.

Understanding How Part B Givebacks Work

A Medicare Part B giveback is simply a reduction in your monthly Part B premium. The standard Part B premium for 2025 is $185 per month. Certain Medicare Advantage (Part C) plans can lower that cost by offering a giveback amount. Depending on the plan, this reduction might be $50, $75, $100, or more.

But unlike what advertisements imply, these givebacks are not available to everyone. To get one, you must be enrolled in both Medicare Part A and Part B and you must join a Medicare Advantage plan that offers the giveback. If you are on Medicaid or have a Medigap supplemental plan, you cannot receive a giveback.

When the giveback applies, your Part B premium is reduced. If you collect Social Security, that means your monthly Social Security check increases. If you do not collect Social Security yet, your quarterly Medicare bill gets reduced.

Who Qualifies for the Part B Giveback

To qualify for a Part B giveback, you must meet the following criteria:

• You must be enrolled in Medicare Part A and Part B.
• You must pay your own Part B premium. If Medicaid pays it, you do not qualify.
• You must enroll in a Medicare Advantage plan that includes a giveback.
• You must live in a county where a giveback plan is available.
• You cannot be enrolled in a Medigap (supplemental) plan.

Givebacks are strictly tied to Medicare Advantage plans and do not apply to supplemental (Medigap) coverage.

How Insurance Companies Can Afford to Offer Givebacks

Behind every giveback is a financial mechanism called a capitation payment. Medicare pays private insurance companies a fixed monthly amount for each person enrolled in their Medicare Advantage plan. These payments typically range from $1,000 to $1,500 per person per month, depending on the county.

Because insurers receive this fixed payment whether you use services or not, they have some flexibility. If their costs are lower than expected, they can use a portion of that capitation money to reduce your Part B premium. That reduction becomes your giveback.

It is not free money. It is simply a reallocation of Medicare funding that the insurance company receives.

Examples of How Givebacks Affect Your Budget

Here is how a giveback might work depending on your situation:

If you collect Social Security, a $100 giveback reduces your Part B premium from $185 to $85. Your Social Security check increases by $100.

If you do not collect Social Security, Medicare bills you quarterly. Normally that bill is $555. With a $50 giveback, your quarterly bill drops to $405.

Whether the money appears as a higher Social Security payment or a lower bill, the giveback offers real savings.

Comparing Plans: Why Givebacks Aren’t Always the Best Deal

Many people make the mistake of choosing a Medicare Advantage plan solely because it offers a giveback. But the plans with givebacks often reduce other benefits to compensate.

Plans that offer a giveback often come with higher maximum out-of-pocket limits, higher specialist copays, higher hospital copays, and reduced dental coverage. Their out-of-pocket structure can be substantially less generous than plans without givebacks.

On the other hand, plans that do not offer givebacks typically provide lower costs and richer benefits. These might include lower copays, higher dental allowances, expanded vision coverage, better hospital structures, and more generous over-the-counter benefits.

I have seen situations where a $2,200 annual giveback ends up costing someone $6,000 more in out-of-pocket medical expenses. That is why it is so important to compare the entire plan not just the monthly savings.

Over-the-Counter Allowances and Spending Cards

Many Medicare Advantage plans include additional benefits such as quarterly over-the-counter allowances or monthly flex cards. These can range from $100 to $200 per quarter or around $50 to $75 per month depending on the plan.

Plans offering givebacks often reduce or eliminate these benefits, while plans without givebacks frequently enhance them. This can make a significant difference when calculating total annual value.

MA-Only Plans and Why They Offer Higher Givebacks

Some of the highest giveback amounts come from MA-only plans, which do not include prescription drug coverage. These plans may offer over $2,000 a year in givebacks, but the trade-offs are substantial.

These plans often come with higher specialist and hospital copays, limited or inconsistent dental benefits, and max out-of-pocket limits similar to or higher than standard MA plans. They work best for people with very specific situations, but they are usually not appropriate for the general Medicare population.

How to Decide If a Giveback Plan Makes Sense

Before choosing a giveback plan, I ask every client the same question:
Do you want more money in your Social Security check, or do you want better overall health coverage?

A giveback can be a great benefit when used strategically, but it can also lead to higher medical bills throughout the year. It is essential to consider your doctors, medication needs, budget, health history, and risk tolerance.

Final Thoughts

Medicare Part B givebacks are real, and they can put money back in your pocket. But like everything in Medicare, they come with trade-offs. A giveback is not automatically a better deal. In many cases, the savings are offset by higher medical costs, reduced benefits, and higher financial risk.

Before selecting a plan, it is important to compare the full picture: premiums, benefits, copays, network access, out-of-pocket limits, prescriptions, and long-term costs. A giveback may be the right choice or it may be a costly mistake. The key is evaluating the true value, not just the advertised savings.

The post What You Need to Know About Medicare Part B Giveback Programs appeared first on ROI TV.

This isn’t the old model of writing checks during a crisis. It’s a new strategy rooted in national security, competition with China, and securing the resources and technologies that America can no longer afford to rely on foreign powers to supply.

The Government Is Now Picking Economic Winners

In July 2025, the government started investing in rare-earth mineral companies. Two months later, it bought a stake in Intel. And now there’s talk of the government targeting quantum technology companies next.

That’s a profound shift. For decades, the U.S. has relied on the private sector to drive innovation while the government played a supporting role. But as global tensions rise especially with China the government is stepping directly into the arena.

The pattern is clear: if a company controls something essential for national security, the government wants a seat at the table.

The Real Motivation: National Security

For years, we’ve depended heavily on China for microchips, rare earth metals, and even energy components. That’s a problem. If we can’t secure what we need to build technology, cars, weapons systems, or even household electronics, our economy becomes vulnerable.

By buying stakes in companies and investing in specific industries, the government is trying to fix that vulnerability before it becomes a crisis.

In other words, this isn’t just economics it’s national defense.

We’ve Seen This Before: Remember AIG?

During the 2008 financial crisis, the government didn’t save every company it saved AIG, because AIG’s collapse would have destroyed the entire financial system. That decision was political as much as financial.

Now it’s happening again, but for different reasons.

Back in 2008, the government bailed out what was systemically important. Today, it’s buying into what’s strategically important—technologies and resources that America cannot lose control of.

Where the Money Is Coming From

This isn’t small money, either. Congress is approving massive funding packages:

• $280 billion from the Chips and Science Act
• Nearly $400 billion in total when you include grants, loans, and tax credits from additional legislation
• Billions more from taxpayer-funded discretionary spending

Whether we realize it or not, everyone in the U.S. is investing in these companies indirectly through federal budgets and tax dollars.

The Sectors the Government Is Targeting

The investments aren’t random. They’re strategic and they point to the industries the government believes will matter most over the next decade.

1. Rare Earth Minerals

We need them for missiles, batteries, EVs, smartphones, and energy systems. China controls about 70% of global supply. That’s why the U.S. is aggressively investing in domestic mining.

2. Semiconductor Manufacturing

The Intel stake was only the beginning. If the U.S. loses chip independence, everything else becomes vulnerable.

3. Steel and Industrial Materials

With “golden share” arrangements, the government can influence corporate decisions without full ownership.

4. Quantum Computing

This is the next frontier faster computing, advanced defense systems, encrypted communication. Whoever leads quantum leads the future.

What This Means for Investors

Whether we like it or not, government money changes the game. Once Washington decides a company or sector is strategically essential, that company becomes:

• Less likely to fail
• More likely to get favorable regulation
• More likely to receive grants, tax incentives, and contracts
• More insulated from market shocks

This doesn’t mean every government-backed company becomes a great investment but it does mean ignoring government strategy is a mistake.

In today’s environment, understanding government priorities is just as important as understanding market fundamentals.

The Bottom Line: Follow the Strategy, Not the Headlines

From where I stand, this shift is one of the biggest under-the-radar stories in American economics. The government is no longer just influencing the economy through interest rates and regulation it’s now actively buying stakes in companies and shaping the future of critical industries.

And whenever the government starts picking winners and losers, it pays literally, to pay attention.

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 Government Investments Are Quietly Reshaping the U.S. Economy appeared first on ROI TV.

The biggest retirement mistake most people make is underestimating how long they’re going to live. And that single decision affects everything how much income you can take, how you invest, how you handle Social Security, how you manage taxes, and whether your money will actually last.

The Real Risk Isn’t Dying Early. It’s Living Longer Than You Expect

When I tell people the biggest risk in retirement is longevity, they raise an eyebrow. But hear me out.

At age 65, the median man will live another 18 years, and the median woman another 21 years. But here’s the part most people miss: half will live even longer many well into their 80s and even early 90s. And most people underestimate their lifespan by at least five years.

If you plan for a 20-year retirement and it ends up lasting 30 or 35 years, you’ve already created a 10- to 15-year income shortage. That’s where people get into trouble. A retirement that’s just five years longer increases the probability of running out of money by 41%.

This is why planning for income not just savings is essential.

Why Withdrawal Strategy Matters More Than Investment Strategy

It’s common to spend decades focused on building a portfolio, watching the market, and saving as aggressively as possible. But once you retire, the game changes entirely. Now it’s about how you pull money out without exposing yourself to excessive risk.

A 4% withdrawal rate is often mentioned as a safe rule of thumb. But depending on your retirement length, your spending, and market performance, that number may be too low or dangerously too high.

Recent research shows a 4.7% rate is sustainable for many retirees, but if you’re planning for a 40-year retirement, you may need to be closer to 3.3%.

And that’s where the mistake shows up: most people choose a withdrawal strategy without considering how long they may live, whether their income will change, or how market downturns can impact their cash flow.

Volatile Markets Can Destroy a Retirement If You Withdraw Incorrectly

When markets fall early in retirement, the timing can be disastrous. If you’re withdrawing money during a downturn, you’re selling assets at a loss and those losses compound over time.

That’s why I always tell clients: Social Security is your built-in stabilizer. It’s guaranteed income. It doesn’t go down when markets go down. It doesn’t care about inflation, elections, or recessions. But your portfolio does.

The retirees who feel most secure aren’t the ones with the biggest portfolios they’re the ones with the most predictable income.

Why Liquidity Matters More Than People Think

One of the biggest shocks in retirement is discovering that Social Security can’t help you with emergencies. You can’t get a lump sum if the car breaks down, the roof leaks, or you have a major medical bill.

That’s why having accessible cash whether in a high-yield savings account or a separate reserve can be the difference between staying calm and dipping into investments at the worst possible time.

Without liquidity, retirees often end up selling investments in down markets, which accelerates portfolio depletion.

Running Out of Money Isn’t Just About Savings, It’s About Strategy

I’ve watched too many people enter retirement with confidence only to panic once they see how quickly withdrawals add up. Then I’ve seen others with less savings thrive because they planned properly.

The difference isn’t income level or wealth. It’s strategy.

You need a plan that accounts for:

• How long your money needs to last
• How much income you need during each stage of retirement
• How to adjust withdrawals based on market performance
• How Social Security integrates with portfolio withdrawals
• How liquidity cushions unexpected expenses
• How taxes affect your net retirement income

Retirement isn’t about having the biggest nest egg it’s about creating a reliable income plan that can adjust as your life changes.

My Final Thought: Planning Is What Creates Freedom

If there’s one message I want to get across, it’s this: retirement isn’t just about numbers. It’s about control, peace of mind, and giving yourself the freedom to enjoy the next chapter of your life.

When you plan for longevity, build a flexible income strategy, and understand how your withdrawals interact with Social Security and taxes, you unlock confidence that can carry you through your 70s, 80s, and even 90s.

And that’s the true goal never running out of money and never running out of options.

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

IMPORTANT DISCLOSURES:

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

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

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

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

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

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

The post The Big Retirement Mistake Most People Don’t See Coming appeared first on ROI TV.

Enter the 2027 Telluride. It arrives not just as a refresh but as a full evolution: the vehicle is 2.3 inches longer overall, with a nearly three-inch longer wheelbase and a one-inch height increase. Kia’s design team notes that they weren’t reinventing the SUV but elevating its presence and sophistication, while retaining the boxy, rugged DNA that made the original stand out. That blend of rugged and refined speaks directly to modern buyers who don’t want to compromise. The release is timed for the upcoming Los Angeles Auto Show, and a showroom arrival is expected in early 2026, aligning with key buyer planning cycles.

From a design standpoint, the Telluride’s front end is bold, the roofline is tapered yet spacious, and key details such as flush door handles and sculpted wheel wells indicate that Kia is serious about a premium feel. These details matter when you’re comparing in a segment where appearance and brand perception matter as much as capability.

Beyond design, the SUV arrives at a time when supply chain pressures and regulatory turbulence are easing, enabling automakers to focus on execution rather than crisis. For example, an industry report highlights that inventory issues are receding and innovation is coming back into focus. Kia is clearly using this window.

How does it compare to rivals?

The 2027 Telluride sits in a hotly contested midsize to large three-row SUV bracket, where buyers weigh family comfort, tech luxury, brand appeal, and rugged capability. Competitors include vehicles such as the Hyundai Palisade, the Toyota Grand Highlander, and premium-leaning models from the European marques.

Kia has given the Telluride specific differentiators: the “X-Pro” trim with blacked-out wheel arches, all-terrain tires, 9.1 inches of ground clearance, front and rear recovery hooks, and raised roof rails. In short, it signals that this SUV can tick the boxes for both luxury driving and serious off-road readiness. Many rivals might claim one or the other, but the Telluride is lining up to claim both.

Interior improvements further strengthen the case. An expanded cabin with improved access to second and third rows, premium materials (real metal accents, wood-like textures), a bold color palette (including a rich “Blackberry” purple/Beige combo), and high-tech details contribute to a more upscale experience. In this respect, the Telluride is pushing closer to premium brand territory, which rivals may struggle to beat at a comparable price point.

On the tech front, lighting signatures are worth noting. The twin LED vertical strips framing the grille, body-color separated twin rear light bars, and ground-lighting for the X-Pro all demonstrate design features that go beyond the functional. For a segment often dominated by functional minimalism, this matters. The question remains whether the Telluride’s powertrain and driving dynamics will match the pace of its visual ambition, which will reveal itself on road tests.

In essence, the Telluride is compelling because it doesn’t force a compromise between upscale interior + rugged capability. That’s a rare trait in this class right now.

Who is this for and who should skip it?

If you’re a buyer who needs a three-row SUV that can serve both as a daily family vehicle and occasional off-road machine, the 2027 Telluride should be high on your list. You value premium finishes, tech functionality, advanced lighting/design details, and you don’t want to sacrifice trail readiness when the weekend hits. This SUV is ideal for the urban-to-wilderness lifestyle that many modern families aspire to.

If you’re primarily urban, rarely hauling more than two or three passengers, and energy efficiency (hybrids or EVs) is your key concern, you might want to consider alternatives. The Telluride remains gas-powered. If you priorities plug-in hybrid capability or pure EV, then you’ll need to look elsewhere. Also, for buyers whose budget is anchored around sub-$40k pricing, the premium upgrades and increased size may push the cost higher than what they’re comfortable with.

In short, if your priorities are size, style, versatility, premium materials, and some off-road capability, the Telluride is a serious contender. If your priorities are compact footprint, ultra-low running costs, or full EV/plug-in performance, skip ahead accordingly.

What is the long-term significance?

The 2027 Telluride matters not just for Kia but for the broader SUV market. It signals a shift: mainstream brands are now willing to invest serious design capital and premium ligand into segments that were once purely value-oriented. By blending rugged aesthetic, luxury interior, and advanced tech, Kia is taking a stand. That move raises the bar for rivals and broadens expectations of what three-row SUVs can deliver.

From a brand perspective, the Telluride evolving into a flagship gas-powered SUV underscores Kia’s ambition. It’s no longer just the affordable player; it’s moving toward aspirational status. Being assembled (in part) in the U.S., aligned with Kia’s strong quality rankings and growth in sustainability reputation (e.g., listed among TIME’s World’s Most Sustainable Companies 2024) bolsters the brand story.

Looking ahead, this model may influence platform strategies. As trends show, automotive design is increasingly shaped by software-defined vehicles (SDVs), advanced lighting/UX systems, and premium materials in non-luxury brands. The Telluride’s new features (such as ground lighting, premium cabin details) hint at how features once reserved for luxury marques are trickling down. That means increased competition and more value for buyers.

Finally, the Telluride underscores that the internal-combustion-engine (ICE) SUV still has life in it, even as electrification looms large. While many attention-seeking headlines swirl around EVs and hybrids, not every buyer is ready to switch. Kia’s decision to launch this gas-powered flagship now means ICE SUVs will remain relevant for the near term, and their evolution will matter.

The post K​IA drops information and images of the 2026 Telluride ahead of the upcoming LA auto show appeared first on ROI TV.

RMDs begin at age 73, and yes, they are mandatory withdrawals from your retirement accounts. Many people fear that RMDs reduce their control over their savings, push them into higher tax brackets, or jack up their Medicare premiums. But in reality, the vast majority of retirees have account balances that result in relatively small RMD amounts. They’re not large enough to meaningfully disrupt taxes or financial plans.

Let’s look at real numbers, because this is where perspective kicks in. The median IRA or 401(k) balance for people ages 55 to 64 is around $120,000 to $150,000. If someone enters RMD age with $150,000, the IRS divisor at age 73 which is 26.5 means their first RMD is only about $5,600. That’s it. Even as they age into their 80s and 90s, RMDs typically peak around $15,000 to $18,000. These withdrawals are modest and, in most cases, retirees were going to take that money anyway to cover everyday living expenses.

Now, the story changes for wealthier retirees with large pre-tax portfolios. If someone has over $1 million in retirement accounts, RMDs can easily exceed $30,000 and that can definitely bump taxes, increase the taxable portion of Social Security, and push Medicare premiums higher. But that’s not the norm. In fact, about 84% of retirees take only the minimum RMD, and even among that group, most do so because the required withdrawal is already close to what they needed for spending.

Financial media is notorious for dramatizing RMDs, often highlighting extreme cases big portfolios, giant tax bills, and scary-sounding “RMD traps.” But these stories rarely reflect the experience of the typical retiree. For most people, RMDs don’t create tax chaos, don’t destroy financial plans, and don’t require major restructuring. Sometimes the best plan is simply acknowledging that RMDs are small and manageable.

That said, planning can make a big difference for retirees with larger balances. Strategies like Roth conversions, qualified charitable distributions (QCDs), and tax bracket management can help smooth out future tax burdens. Roth conversions, in particular, are appealing for those who want flexibility later in life or want to leave tax-free inheritances to their children or grandchildren. They also lock in today’s tax rates a big consideration given uncertainty about where tax laws are headed.

But here’s the important part: Roth conversions aren’t necessary for everyone. If your retirement balances are modest, you might not benefit much from converting. In fact, many retirees with smaller portfolios would pay more in taxes upfront than they’d ever save down the road. Non-tax reasons like easier withdrawal planning or reducing future headaches for heirs can be valid motivations, but the math has to make sense.

At the end of the day, most retirees don’t need to lose sleep over RMDs. The system is designed to collect taxes on money that’s been deferred for decades, but the reality is that the required withdrawals are small for the majority of people. Yes, RMDs matter but not nearly as much as most retirees fear. And with a little planning, they can be handled smoothly, strategically, and stress-free.

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

The post Why Most Retirees Shouldn’t Stress About RMDs. Here’s the Real Truth appeared first on ROI TV.

Every October, I wait for the same announcement you do the Cost of Living Adjustment, or COLA. This number determines how much your Social Security checks will increase the following year. For 2026, the COLA has been set at 2.8%, based on the government’s CPI-W inflation formula. That means monthly checks are rising, but the amount depends on the type of benefit you receive.

To give you some real numbers, the average retiree benefit will increase from about $1,976 to around $2,031 per month. Survivor benefits for widows and widowers will rise from $1,837 to roughly $1,888. Disability benefits will increase by about $44 per month. A few percentage points may not sound like much, but for millions of Americans, that increase helps keep up with rising costs.

To understand where we are now, it helps to know where Social Security started. The program began in 1935, and taxes were first collected in 1937. Back then, workers and employers each paid just 1%, and only the first $3,000 of income was taxed. That means the maximum annual contribution was $30. Compare that to today: the tax rate is 6.2% on income up to $176,100. The scale of the system has changed dramatically.

One of my favorite Social Security facts is about Ida Fuller, the first person ever to receive a monthly Social Security check. She got her first payment in January 1940 $22.54. She only paid into the system for three years but ended up receiving nearly $23,000 over her lifetime. The earliest beneficiaries absolutely got the best deal.

COLA adjustments didn’t always work the way they do now. Before 1975, increases were completely political Congress raised benefits whenever they decided it was time. Since then, COLA has been tied to inflation through the CPI-W, comparing the third quarter of one year to the third quarter of the next. It’s a structured formula now, not a political choice.

The last few years have seen some big swings. We had very small increases in 2021 before inflation hit hard, giving us a huge 8.7% COLA in 2023. The last five years averaged about 4.32%. The new 2.8% increase for 2026 reflects a cooling economy but still higher costs for retirees across the board.

Understanding how Social Security calculates your benefit your Primary Insurance Amount, or PIA is essential for planning. Your PIA is based on your top 35 years of earnings, adjusted for inflation. Those numbers are totaled, divided by 420 months, and then run through bend points to determine your monthly benefit. After that, COLA increases continue every year until you claim benefits, regardless of your age.

Social Security and Medicare are also intertwined, something I see every day when helping people plan for retirement. Medicare decisions often affect Social Security income and vice versa. That’s why workshops and educational resources are so valuable and why I always encourage people to understand both before claiming benefits.

At the end of the day, Social Security remains one of the most important retirement tools we have. The 2026 COLA provides a modest but meaningful boost, and understanding the system’s history and calculations helps you make smarter decisions about when to file and how to plan.

The post Social Security in 2026: What the New COLA Really Means for Your Retirement appeared first on ROI TV.

Nissan’s best-selling compact has matured. The 2026 Sentra earned the top ranking in the J.D. Power 2025 Initial Quality Study, making it the highest-rated compact car in America. That’s not marketing spin, it’s data. The win marks a turning point for a car that’s long been dependable, if not particularly glamorous.

Why this matters right now

Compact cars remain a lifeline for budget-conscious buyers as crossovers creep past $30,000. The Sentra’s new confidence, both in design and engineering, gives it something rare in this class: substance without pretension.

It arrives late 2025 in four trims, S, SV, SR, and the returning SL, all powered by a naturally aspirated 2.0-liter inline-four making 149 horsepower and 146 lb-ft of torque.

Performance and driving experience

The Xtronic CVT has been returned to deliver smoother acceleration and more responsive mapping in Sport mode (standard on SV, SR, and SL). Nissan claims a six percent stiffer chassis compared to the outgoing model, achieved through structural reinforcements and revised damper valving.

The result is a Sentra that feels tighter, calmer, and more mature on the road. Acceleration is modest, but the new tune eliminates the elastic, drone-heavy feel of older Nissan CVTs. Drivers get a more linear powerband and improved throttle discipline. It won’t outrun a Civic Si, but it also won’t make you regret buying the sensible one.

Design and presence

The Sentra’s new face trades “beige commuter” for “budget boutique.” A reshaped V-motion grille, slimmer LED projectors, and darker light signatures add definition and depth. Even the wheel designs, 16-, 17-, and 18-inch alloys, look intentionally dynamic, with intersecting spokes that suggest motion even when parked.

Inside, the transformation is striking. Available dual 12.3-inch displays stretch seamlessly across the dash, giving the cabin a tech-lounge feel. Nissan says the center screen is twice as bright as before and pairs with a segment-first touch-sensitive climate control panel. Wireless and wired Apple CarPlay and Android Auto are both supported, and SV trim upward adds wireless connectivity. Three USB-C ports come standard, proving Nissan’s done its homework on everyday usability.

Interior comfort and tech

The top trims showcase Nissan’s flair for quiet, detail-rich interiors. SL and SR Premium buyers get an eight-speaker Bose audio system and a 64-color ambient lighting suite that turns the daily commute into a subtle light show.

A new soft-touch “Tailor Fit” upholstery option, wireless phone charging pad (a first for Sentra), and best-in-class front legroom complete the interior upgrade story.

For practicality, the trunk has one of the lowest leftover heights in its class, a small but meaningful win for anyone who’s ever loaded a stroller or golf bag. Nissan even shaped the opening to fit three suitcases and two duffels. A clever new touch: the integrated my garage door opener built into the infotainment system can open or close your garage automatically using geofencing.

Safety and assistance

Every trim now comes standard with Nissan’s Safety Shield 360 suite, including automatic emergency braking with pedestrian detection, lane departure prevention, traffic sign recognition, and the debut of Blind Spot Intervention.

Ten airbags are standard, and ProPILOT Assist is available on SL and SR Premium models for partial hands-free highway driving. Nissan’s approach feels comprehensive without gimmicks, safety tech that does its job quietly.

Efficiency and competition

Fuel economy figures haven’t been finalized, but idle stop/start comes standard to save fuel in traffic. Expect efficiency to hover around last year’s EPA range of 33 mpg combined once testing concludes.

Against rivals, the Sentra now plays in a smarter lane. The Honda Civic still feels sportier but costs more. The Toyota Corolla offers hybrids but less interior flair. Hyundai’s Elantra leans bold and polarizing. The Sentra strikes a balance that is quietly capable, tech-forward, and more comfortable than its price tag implies.

Verdict: the smart money choice

The 2026 Nissan Sentra is not a performance revelation, but it nails what matters: refinement, value, and credibility. It’s a compact sedan that’s easier to recommend than ever, especially to buyers priced out of the turbocharged or hybrid tiers.

In a market that often rewards flash over logic, the Sentra’s restraint is oddly refreshing. It’s annoyingly sensible, in the best possible way.

The post 2026 Nissan Sentra: The Compact Car That Finally Grew Up appeared first on ROI TV.

Farm debt is at record highs, and it’s not just one issue causing the problem it’s everything at once. Trade wars, sky-high input costs, unpredictable weather patterns, and the growing consolidation of farmland are all hitting farmers simultaneously. Agricultural bankruptcies are climbing, and when I hear farmers say 25–30% of them could go out of business if nothing changes, that isn’t exaggeration. That’s reality.

Trade wars have only made things worse. About 20% of everything we grow in America gets exported, so when trade relationships break down, farmers feel it instantly. China used to be one of the biggest buyers of American soybeans, but now they’re sourcing from Brazil. This isn’t just a short-term shift this is a long-term blow to American farmers. When your key buyer walks away, it’s almost impossible to make up the revenue somewhere else.

And even the government support that farmers rely on isn’t running smoothly. Right now, over 30,000 government assistance contracts are frozen. Imagine planning a harvest, planning a year of financial decisions, and suddenly finding out that the money you depended on is paused indefinitely. New programs are supposed to start next year, but small family farms can’t wait a year. They need help now. Meanwhile, larger farms have the financial cushion to hold on until those programs kick in, which means more consolidation is almost guaranteed.

Then there’s the labor shortage. It’s getting harder and harder to find people willing to do physically demanding farm work, especially with younger generations opting for different careers. Nearly 70% of labor-intensive jobs on farms are done by contractors, and many of those workers earn below minimum wage. On top of that, strict immigration enforcement makes it harder for farmers to rely on undocumented labor, which has historically filled the gaps. Without labor, crops don’t get picked and that means more financial losses.

What makes the situation even more skewed is how wealthier farmers and investors approach land ownership. Many of them buy farmland not for the crop revenue, but for the land appreciation. And it’s working land values have risen by an average of $270 per acre. When land becomes a financial asset rather than a livelihood, smaller family farms get priced out. They simply can’t compete with investors who can afford to wait years for returns.

Government aid programs also tend to benefit the big players. Between 2019 and 2023, just 7% of farmers received 63% of government assistance. That means most small farms got very little help, even while facing the same storms, the same labor issues, and the same market losses. The incentives within these programs are often backwards, too. Some farmers are literally paid more not to grow anything which turns agriculture into land speculation instead of food production. And with investors circling, buying up distressed farmland, consolidation accelerates even more.

When I put all these pieces together, one truth becomes painfully clear: American farming is at a breaking point. If the trend continues, small and mid-sized family farms, farms that built this country will disappear, replaced by massive corporate farming operations and investment groups who treat farmland like another asset class. And while that may be good for investors, it’s devastating for rural communities, food security, and the future of American agriculture.

Whether the government steps in with another bailout or not, the landscape is changing fast. This moment in agriculture isn’t just a crisis; it’s a turning point. And what we do next will determine whether small family farms remain part of America’s future or become a piece of its past.

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

The post America’s Farmland Crisis: Why Small Farmers Are Being Pushed Out in 2025 appeared first on ROI TV.

Most people don’t run out of money because the stock market crashes or Social Security changes. They run out because they enter retirement with a story instead of a strategy. The story usually sounds like this: “I’ll spend less when I retire,” or “My taxes will be lower,” or “I probably won’t live that long.” None of these stories create a secure retirement. Real planning does.

One of the first questions people ask me is, “How much can I safely withdraw from my portfolio?” The famous 4% rule was built for a 30-year retirement with a 50/50 portfolio. Today, updated research suggests closer to 4.7% is reasonable, and some people should withdraw even less depending on longevity. For example, if I withdraw 4.7% from a million-dollar portfolio, that gives me $47,000 in year one. But your retirement shouldn’t rely on a fixed rule it should rely on a system. I prefer a guardrail strategy. If the market is strong, you can increase your withdrawals. If it’s weak, you pull back. This rhythm keeps your plan from falling apart during downturns.

Next is longevity, and this one surprises people. At age 65, half of all men will live past 83 and half of all women past 86. Most retirees underestimate their life expectancy by five years or more. If you retire at 65, odds are high that your retirement will last 30 years. Extend it to 35 years, and your chance of running out of money jumps by 41% unless your withdrawal plan accounts for it. Longevity isn’t something to fear, but it is something you must plan for mathematically.

Income stability is another major piece of the puzzle. Your portfolio may go up and down, but your Social Security won’t. It’s inflation-adjusted, it lasts for life, and the longer you wait to claim, the more you get. Pair that with portfolio withdrawals, and you suddenly have a mix of fixed income and flexible income something most retirees need. In the episode transcript, Mary is a perfect example. She had $1 million: $700,000 in an IRA and $300,000 in a brokerage account. She withdrew $40,000 from her IRA, $30,000 from the brokerage, and received $30,000 from Social Security. That gave her $100,000 of retirement income but her tax bill was only about $6,100.

Why? Because retirement income is taxed differently. You don’t pay payroll taxes anymore. After age 65, you get a larger standard deduction. Only part of Social Security is taxable. Once you understand this math, you realize retirement isn’t just about how much you’ve saved it’s about how you withdraw it.

Liquidity is another crucial piece. You must keep enough in cash reserves to avoid selling investments during a downturn. This doesn’t mean stashing everything in a checking account. It means building enough cash often 12 to 24 months of withdrawals—to avoid panicked selling. I’ve seen people with millions feel anxious because they lacked liquidity, while people with far less felt confident because they had a withdrawal plan supported by cash reserves.

It’s also important to understand how spending changes in retirement. Most retirees experience what researchers call the “retirement spending smile.” You spend more in your early years travel, fun, lifestyle. Then spending naturally declines through your 70s. Later, in your 80s and 90s, healthcare costs tend to rise again. Your spending isn’t linear, and your financial plan shouldn’t be either.

If there’s one takeaway I want you to have, it’s this: retirement should not be guesswork. There is clear math behind your withdrawal rate, your taxes, your longevity, your liquidity, and your lifestyle. When you understand that math, you stop fearing retirement. You start looking forward to it. You stop wondering if you’ll run out of money and start understanding exactly how your income will work year after year.

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 Stop Guessing Your Retirement: The Real Math Behind Your Financial Future appeared first on ROI TV.

Most people spend decades building their retirement savings, but very few spend time planning how to turn those savings into income. That’s the real key to retirement: creating a “retirement paycheck” that’s sustainable for the rest of your life. If you don’t plan your income, you risk withdrawing too much too soon or becoming overly cautious and not enjoying the retirement you worked for. Even extending retirement from 30 years to 35 years increases your risk of running out of money by 41%, so income planning is absolutely essential.

2. Understand Your Longevity Risk

People dramatically underestimate how long they’ll live and that mistake can drain a retirement plan. The median life expectancy for a 65-year-old man is 18 more years, and for a woman, it’s 21. But that’s just the median. Half of people will live longer than that. Many underestimate their lifespan by five years or more, which creates a dangerous mismatch between their money and their life. If you want to avoid running out of money, you have to plan as if you’ll live into your late 80s or even 90s. Longevity isn’t a problem it’s a blessing—but only if your finances keep up.

3. Use a Sustainable Withdrawal Rate

“How much can I safely withdraw each year?” I hear this from retirees all the time. The traditional answer has been the 4% rule, but updated research shows that 4.7% may be sustainable depending on your portfolio. Withdrawal rates depend on how long your retirement lasts. Retire early? You need a lower rate. Expect a 40-year retirement? A 3.3% withdrawal rate may be safer. One of the best strategies is the “guardrail” method, where you adjust spending based on market performance. When markets are strong, you increase withdrawals slightly. When markets drop, you temporarily scale back. Flexible withdrawal strategies dramatically increase your chance of never running out of money.

4. Protect Yourself From Market Volatility

Volatility is the hidden threat to retirement income. If you rely solely on investment withdrawals, a bad year in the market can force you to pull money from a shrinking portfolio one of the fastest ways to run out of money. That’s why Social Security is such a critical baseline: it’s steady, predictable, and unaffected by market ups and downs. I also recommend keeping a cash reserve typically six months to two years of expenses. When markets fall, you draw from cash instead of selling your investments at a loss. This strategy preserves your portfolio and gives it time to recover.

5. Keep Cash Accessible, Liquidity Matters

Even with Social Security and a strong portfolio, you need accessible cash. Emergencies don’t stop in retirement roof repairs, medical bills, family needs these things happen. Liquidity protects you from being forced to sell investments at the worst possible time. I keep part of my retirement plan in high-yield savings or money market funds. It won’t make you rich, but it keeps you safe. Liquidity is your line of defense against unexpected expenses that can derail your long-term plan.

The Bottom Line

No one wants to reach age 85 and suddenly realize their money won’t last to 95. The five keys above income planning, longevity awareness, smart withdrawal strategies, volatility protection, and liquidity are the foundation of never running out of money in retirement. With the right plan, you can enjoy retirement confidently, knowing your money will last as long as you do.

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

The post 5 Keys to Never Running Out of Money in Retirement appeared first on ROI TV.

How Hyundai compares
Hyundai Motor Group ranks among the largest global automakers by volume and has posted strong profitability. The lineup covers sedans, SUVs, and EVs, and regularly earns top safety honors from the Insurance Institute for Highway Safety.
Where some rivals go EV only, Hyundai offers a choice. If you want a smart value play under $30,000, look at recent roundups of fun, attainable cars. If you are into future tech, review coverage on emotional mobility and in-car innovation.

Who does this help, and who may look elsewhere
Great for drivers who want modern tech, strong safety, and a reasonable price. The hybrid lineup helps buyers who want better mpg without charging anxiety. Families eyeing a three-row should look at the Palisade Hybrid.
If you want a prestige badge or a track-focused EV, Hyundai may not be able to match that brief. If you insist on EV only, Hyundai’s hybrid-first approach may feel cautious, though EV options still exist in the lineup.

What does it mean long-term
Hyundai entered the U.S. in 1986 and celebrates 40 years here in 2026. The new investment plan strengthens American manufacturing, aims for more locally built models, and supports a broad mix of powertrains. North America is a key profit region for the brand. For shoppers, that can mean better availability, stable pricing, and more choices that suit daily life.

The post Hyundai’s U.S. Momentum: Five Years of Growth And A $26 Billion Bet appeared first on ROI TV.