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Goodness Lover Inner Circle
3.6k members • $47/m
Wealth Twins Wealth Pack
111 members • $5/month
20 contributions to Wealth Twins Wealth Pack
0 likes • 3d
Welcome!
6d •
Whats my next move?
I am 50+. I have Checking/Savings accounts, a 401K(Company match), a Roth CD, savings accounts, CD's (Started a Ladder) and I just opened my Charles Swab broker account 1/29/2026 (Haven't yet invested). I am currently working on a budget. I need help with my 2026 financial PLAN. - Wealth Twins what should I do next? - Do have videos, 1-on-1 Counseling? - Should I upgrade my Skool account to fast track my process?
0 likes • 3d
@Daynan Davis I have an account at Navy Federal. I’ll have to look into the Roth IRA CD. This is new to me too. The Wealth Twins have a “How to Retire” playlist on their YouTube channel. https://m.youtube.com/playlist?list=PLDpy3yLjE0wVdPnM9bIYpG_8uTw-DWqnd. It is a series of 25 videos. The video “Will Gen X Ever be Able to Retre” was encouraging to me.
7d •
made the move ...
Well, today I finally got off the research/procrastination/fear treadmill and actually did My FIRST EVER transaction with ... Vanguard. I was a bit intimidated because Vanguard's environment doesn't seem as welcoming as Chas Schwab, but I plowed through and made the transaction. I've already opened a Chas Schwab Account so for now as a beginner CS is where I will continue educating myself and becoming more confident.
0 likes • 3d
Congratulations!🤗
3d •
Question-how to know when financial news isn’t noise??
I’m a mid-period GenXer with 5-7 years before retirement. 95% of my investable assets are locked up in retirement accounts (workplace and IRAs). My low level concern is staring to increase greatly about the economy and investing. I usually ignore financial but it’s getting harder to do. Mainly because I don’t understand it…I hear gold and silver are trading at all-time highs while the stock market is also at all-time highs, but these two things tend to move in the opposite direction, I think. Also hearing about oil being traded in petrodollars and what it means if it is changed to another currency. Lastly, I’m hearing lower interest will hurt the economy in its current state. None of this makes sense to me. Not sure if I should be concerned!? Looking for direction of what indicators to watch and/or how I can educate myself.
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11d •
IRA's
Roth IRA or Traditional IRA, which one do you recommend and why especially for a 25 yr old.
2 likes • 11d
Hi Malik, In general, I recommend Roth IRA but it all depends on the person’s financial situation. At that age most are very early in their career, lower on the pay scale, and in a lower tax bracket. The contributions to Roth IRAs go in after tax and grow tax free. Plus at any point the person can withdraw their contributions tax-free and penalty free. Since they already paid taxes on the contributions. Although it is not recommended to withdraw the contributions early. But it’s a nice option available in case of an emergency. Before investing in an IRA, they might consider participating in their workplace retirement plan up to the company match. For example the employee contributes 3% of their salary and the employer will give a matching contribution of 3%.
5 likes • 10d
Hi Malik, I understand. I have two goddaughters - aged 21 and 25. They got very excited when I mentioned the Roth IRA and its benefits. We even researched total stock market ETFs, set-up their individual Roth IRA in Fidelity along with initiating recurring deposits/investment saligned with their paycheck frequency. When I went to check-in on them several weeks later- I got radio silence. I tried a few more times and no response. But I’m not giving up. One has a workplace retirement plan, which was part of the follow-up to get her enrolled. Even if it takes a few years to get through to my goddaughters, they will still be ahead🙏🏾 All the best with your son.
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Active 3d ago
Joined Jan 3, 2026
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