Youngky Hermanto
I help GenX Pros create a financial strategy so they can spend quality time with their families
Lately, I've been feeling like I'm just going through the motionsโstuck in a routine without much inspiration.
While searching for some motivation, I came across "Start with Why" by Simon Sinek, and it immediately caught my attention.
Has anyone read this book? Iโd love to hear your insights or any takeaways you found impactful.
I went to the gym this morning and noticed this poster ๐.
Truth and save money too ๐ฐ
โญEver Heard of the Bucket Strategy for Retirement? ๐ชฃ
Click play to learn more ๐ช
It's Not How Much You Earn, But How Much You Keep That Truly Matters ๐ฐ
๐ Ever feel like you're just waiting for your real life to start? What if I told you... you've got it all wrong. ๐
Hi, I'm Youngky, and if you've ever caught yourself thinking, 'When I find myself, things will get better,' then you need to hear this.
Today, I'm going to show you how I flipped that idea on its head and took control of my destiny. Not by finding myself, but by creating myself.
From setting life-changing goals to waking up with purpose every single day โ I'm sharing the strategies that transformed my life.
Don't just wait for life to happen; make it happen.
Click play, let's reshape our journey together.
Start living the life you're meant to create, right now!"
What's up with the weather ๐ค we have hail these past two days.
My heart goes out to everyone in Taiwan facing the aftermath of the recent earthquake. Sending love and strength your way.โค๏ธ
Did this happen to you๐ ?
๐๐ผ๐ถ๐ป ๐ข๐๐ฟ ๐ง๐ฒ๐ฎ๐บ: ๐๐บ๐ฝ๐ผ๐๐ฒ๐ฟ๐ถ๐ป๐ด ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฆ๐ฒ๐ฟ๐๐ถ๐ฐ๐ฒ๐ ๐ฃ๐ฟ๐ผ๐ณ๐ฒ๐๐๐ถ๐ผ๐ป๐ฎ๐น๐
Are you ready to transform your career with entrepreneurial growth opportunities in the financial services industry? World Financial Group, LLC is on a mission to empower individuals to create the life they aspire to, safeguarding their loved ones and securing their financial legacy. We're looking for Insurance Agents, Financial Professionals, and Entrepreneurs who are diligent, ambitious, self-motivated, and eager to learn.
What We Offer:
โ A thriving environment for your entrepreneurial spirit.
โ Support and field training programs for your success.
โ Opportunities for professional development and career advancement.
Requirements:
โ An insurance license.
โ No previous experience required; just a passion for helping others and a drive to succeed.
How to Join:
Please contact me by email to [email protected] or phone (855) 410-2400 (text message) to have a conversation about our opportunities.
At World Financial Group, LLC we are committed to creating a diverse and inclusive environment for all individuals. Visit WorldFinancialGroup.com to learn more.
Youngky Hermanto I help GenX Pros create a financial strategy so they can spend quality time with their families
๐ค This morning, during the homily, our Pastor asked a thought-provoking question: "Are you here to serve or to be served?" ๐ค
These words struck a chord with me and have ignited a deep reflection on my role as a financial professional. ๐ผ
In the financial world, it's easy to get caught up in numbers, strategies, and profits. But at the heart of what I do, my purpose is to serve. ๐
I am entrusted with the financial dreams and security of my clients. This is a profound responsibility, and it's a privilege to be in a position to make a positive impact. ๐
So, I've decided to make it my mission to provide exceptional service, offer unwavering guidance, and empower my clients to make informed financial decisions. ๐
I am here to serve. Not just professionally, but as a personal commitment. It's time to lead by example and truly make a difference in the lives of those I serve.
Now, I invite you to join me in this mission. Let's all reflect on the question: Are we here to serve or be served? And if you're inspired, share your commitment to service in the comments below. Together, we can make a meaningful impact. ๐ช
๐ The Importance of Planning for Long-Term Care ๐"
"Think of it as an umbrella. Not the most fascinating thing to buy, right? ๐
But when it starts pouring, you realize its true worth.๐ก
Long-Term Care isn't just for seniors, it's for all of us. A bit surprising, huh? ๐ช๏ธ
Get a load of this - 40% of people currently under Long-Term Care are between ages 18-64. ๐
A bit of a shocker, isn't it? ๐งฉ
Here's the real deal - Long-Term Care planning isn't a luxury. It's an absolute must! It's all about shielding your family even when you can't. ๐
Don't roll the dice with your familyโs future. ๐
Invite peace of mind with Long-Term Care planning. It's not about expecting the worst, but assuring the best for your family, today and every day. ๐
๐จโ๐ฉโ๐งโ๐ฆ
Let's gather round, share some stories, and weave a financial safety web that catches you when you fall. Time to move Long-Term Care planning right up your priority list. โ
Long-Term Care Costs: They're big, but they're not scary. ๐ง Just consider this: a semi-private room in a nursing home now costs about $7,500 per month, according to Genworth's 2020 Cost of Care Survey. Even more startling, it's predicted those costs could rise to over $10,000 a month by 2030!
Wow, right? ๐ฆ But let's face it, aging is a part of life that requires smart planning. ๐
Those numbers can be intimidating, and it's tempting to just put on the blinders. But these expenses are outpacing inflation. ๐ Ignoring them? That won't make them disappear.
Instead, let's start viewing this as an empowering financial decision. ๐ก With proper planning, we can transform those fears into a future filled with financial security. ๐ก
Ready to turn those monster costs into manageable steps? ๐ฃ I'm here to help. Let's chat and create a rock-solid plan for your secure future.
Happy Halloween! ๐
It's that magical time of year when we have the chance to step outside of our routine and show off our creative sides. ๐จ And, of course, enjoy a few treats along the way! ๐ฌ
How do you celebrate this festival of fun and fear with flair? Share your spooktacular traditions in the comments below! ๐๐ป๐ซ
Ever found yourself in bed, tossing and turning, the weight of financial worries keeping you awake? ๐ฉ Guess what, you're not alone.
Financial know-how isn't a riddle reserved for the gifted few. It's about understanding where your money goes and how to let it grow. ๐ต โก๏ธ ๐ณ
Sadly, most of us didn't have a class on this at school. ๐ And we often learn our lessons through trial, error, and an empty bank account.
But, there's good news! ๐ You can flip the script. There's a treasure trove of resources out there - books, websites, blogs - all waiting to transform you from a finance novice to a money wizard. ๐งโโ๏ธ๐ผ
Don't stay a stranger in the world of your own wealth. Become your personal financial powerhouse. ๐ช๐ฐ
๐ Introduction to Budgeting: Navigating Your Financial Journey ๐
Hello All ๐ Let's talk about something that's super relevant to all of us in today's world - Budgeting! ๐ฐ
Did you know? Two interesting facts about budgeting:
1. Financial Freedom: People who budget tend to have greater financial freedom. They are more likely to have money set aside for emergencies and enjoy peace of mind. ๐
2. Small Changes, Big Impact: Even small adjustments in your budget can lead to significant savings over time. Cutting out that daily coffee shop visit or packing your lunch can add up to substantial savings in the long run. โ๐ฅช
Budgeting doesn't have to be a daunting task. It's like creating a roadmap for your financial journey ๐บ๏ธ, and I promise, it can be both fun and rewarding! ๐
๐ก So, what is budgeting, you ask? Simply put, it's a way to plan and manage your money to achieve your financial goals. Whether you're saving up for a vacation โ๏ธ, a new gadget ๐ฑ, or just want to get better control over your expenses, budgeting is the key.
Here are some quick and easy steps to get started:
1๏ธโฃ Track Your Income: Know how much money you have coming in each month. This could be your salary ๐ผ, freelance gigs ๐ป, or any other sources of income.
2๏ธโฃ List Your Expenses: Make a list of your monthly bills, groceries ๐, entertainment ๐ฟ, and any other expenses. Don't forget those occasional treats!
3๏ธโฃ Set Goals: Decide what you're saving for, whether it's an emergency fund ๐ก, a dream home ๐ก, or just some financial peace of mind.
4๏ธโฃ Create Categories: Allocate your income to different categories based on your needs and priorities. Don't forget to set aside a little for those spontaneous splurges! ๐ธ
5๏ธโฃ Stick to Your Plan: The magic happens here! Stick to your budget, track your expenses, and adjust as needed.
Remember, it's all about balance, and it's okay to treat yourself sometimes. ๐โโ๏ธ๐โโ๏ธ Just make sure it's within your budget!
Budgeting is like a financial safety net, giving you the freedom to make informed choices and reduce financial stress. Plus, you'll be amazed at what you can achieve with a well-planned budget. ๐
Feel free to share your budgeting tips and success stories in the comments! Let's support each other on this financial journey. ๐ช๐ฐ
Happy budgeting, everyone! ๐โจ
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๐ Empowering Retirement Strategies for Women ๐
Planning for retirement may take a unique path for women, given the roles they often juggle. Let's address some essential considerations:
๐โโ๏ธ Caring Responsibilities: Women often serve as caregivers, impacting income and retirement benefits. Around 66% of caregivers are women. It's time to break these stereotypes!
๐ฐ Savings Disparity: Women tend to contribute 43% less to retirement accounts than men. Let's change that narrative.
Here are three steps to help you seize control of your financial future:
1๏ธโฃ Open Money Conversations: Discuss financial goals openly, whether you're single or have a partner. Confidence in discussing your future is key to making informed decisions.
2๏ธโฃ Be Proactive: Define your retirement goals and understand your current financial standing. Create a roadmap to stay on track, adapting as needed.
3๏ธโฃ Budget for Retirement: Allocate funds for retirement just like you would for other goals. Regularly review your retirement plans to ensure you're on course.
Remember, women's retirement journeys might have unique aspects, but with the right strategies and support, you can shape the retirement you've always envisioned. ๐
๐ช
๐ค๐ก Don't Let Inaction Shape Your Financial Future! ๐ธ
Investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, 'Almost any decision is better than no decision at all.' ๐
Indecision can take many forms, often silently impacting your financial security. Let's explore a few:
1๏ธโฃ Your 401(k) Plan: Enroll now! Missing out on employer-matching contributions can cost you dearly. Remember, the SECURE 2.0 Act will automatically enroll employees in retirement plans starting in 2025. Don't miss this opportunity! ๐
2๏ธโฃ Investment Selection: Don't let your contributions sit idly. Choose investments that align with your goals, risk tolerance, and time horizon. Make your money work for you! ๐ผ
3๏ธโฃ Required Minimum Distributions: After 73, start taking required minimum distributions from your 401(k) to avoid penalties. Plan your withdrawals strategically. ๐งฎ
4๏ธโฃ Non-Retirement Plan Investments: Like stuff accumulating at home, investments can pile up. Regularly review your portfolio to ensure it aligns with your goals and stays relevant in changing markets. Don't default to owning inappropriate investments! ๐
Remember, your retirement investments require careful attention and deliberate decision-making. Your future self will thank you for the time and effort invested today! ๐ช๐ฐ
๐ Planning for a Secure Retirement ๐
As we journey through life, it's essential to prepare for the golden years ahead. ๐ฐ Let's explore seven potential sources of retirement income to ensure a financially stable retirement:
1๏ธโฃ Social Security: The reliable foundation for many retirees.
2๏ธโฃ Employer Pension: Though less common, it's a valuable asset if available.
3๏ธโฃ Traditional IRA or 401(k): Tax-advantaged savings for your future.
4๏ธโฃ Roth IRAs: Tax-free withdrawals can be a game-changer.
5๏ธโฃ Nonqualified Assets: Diversify with annuities, mutual funds, and more.
6๏ธโฃ Continued Employment: Working longer can boost your nest egg.
7๏ธโฃ Family Support, Charity, or Public Assistance: In case of need, your community has your back.
Remember, a mix of these income sources can provide financial security in retirement. ๐ Plan wisely to enjoy your well-earned retirement to the fullest! ๐ด๐ต
๐ Embracing Retirement's Emotional Side ๐
In today's world, retirement isn't just about reaching a certain age and stopping work. Some folks work longer because they enjoy it or need the money. But whether retirement is close or far, understanding your feelings about it is a must.
Why Feelings Matter Retirement is a big deal. We often connect who we are with our jobs. So when we retire, we wonder, "Who am I now?" Instead of worrying, think of it as a chance to try new things.
To get ready:
โข Think about where and how you want to live.
โข Consider your health and if you might need help.
โข Decide how much money you'll spend in retirement.
If you're married, remember it's an adjustment for both of you. Singles, plan how you'll enjoy your freedom and make new friends.
Changing Who You Are Retirement is a time to rethink who you are. Many of us really identify with our jobs and relationships. But when you retire, that can change.
Here are some ways people approach retirement:
โข The Explorer: Like trying different college majors, explorers try new hobbies.
โข The Adventurer: They start exciting new things.
โข The Continuer: They keep using their job skills in new ways.
โข The Flexible One or Homebody: Some like a relaxed daily life, while others take time to decide.
Finding Meaning in Retirement A happy retirement means finding a new way to live, new friends, and maybe a new you. It takes time to adjust and stay healthy to enjoy your new life.
Remember, we're here to help with the money part of retirement. Contact me for a chat as you begin this important journey. ๐ค๏ธ๐ผ
๐ผ **Your Money Plan: Keep It Flexible!** ๐ก
Financial planning isn't a one-and-done deal. Think of it more like a roadmap that adjusts as life takes unexpected turns. ๐ค๏ธ Your goals shift as your career and life circumstances change. Here's when you might need to tweak your financial game plan:
๐ช **Family Matters:** Major life events like marriage, divorce, having a baby, or a loss in the family can affect your finances. When these happen, it's a good idea to chat with a financial advisor and reassess your plan.
๐ **Marriage:** Joining forces with your partner may mean combining finances and adjusting your savings goals. It's time for those "we" conversations about money.
๐ **Divorce:** Transitioning to a single income can be a financial shift. You'll need to reevaluate your budget and set new goals.
๐ถ **New Baby:** Start thinking about a college savings plan for your little one. It's a smart move for their future.
๐ผ **Work World:** Big changes in your income, like a job change, promotion, or job loss, need a financial checkup.
๐ฐ **Income Boost:** If you score a higher-paying job, you can amp up your savings or pay off debts faster. Plus, check out your new employer's benefitsโthey might offer new ways to save.
๐ **Job Loss:** If the income stream slows down, use your emergency fund and create a plan to bounce back. You might need to trim some spending temporarily.
๐คทโโ๏ธ **Shifting Goals:** As you evolve, so do your financial aspirations. For instance, as you near retirement, your focus might shift from growing wealth to protecting what you've got. Adjust your investments accordingly.
๐ **Regular Check-Ins:** Even without major life events, schedule annual financial check-ins to keep up with your changing goals. A financial advisor can help you stay on track.
Remember, your money plan should be as flexible as a yoga instructor. Life twists and turns, but with the right adjustments, you'll stay on the path to financial success! ๐งโโ๏ธ๐ฐ
๐ Planning for a Longer, Secure Retirement ๐
Good news: Americans are living longer! ๐ The flip side? Most folks aren't financially ready for it. ๐ Many Baby Boomers face retirement for over 20 years without adequate savings. The result? Late-career working, fear of running out of cash, and unfulfilled legacies. No one wants an empty wallet in retirement. ๐ธ
So, how long should you expect to live? At 65, the average man can expect to reach 84.3 years, and women, 86.6. That's around 20 years in retirement on average. But here's the kicker: 1 in 4 will hit 90, and 1 in 10 will reach 95. Are you ready for three decades of retirement? Most aren't. ๐ฐ๏ธ
Here are 3 simple steps to ensure your financial well-being:
๐ Step 1: Define Your Retirement Dreams Start by imagining your ideal retirement lifestyle. Where will you live, travel, drive? How will your hobbies evolve? Where will you give back? Plan with realistic spending and allowances for health care and emergencies.
๐ Step 2: Adjust Your Investments Prepare for a longer retirement by tweaking your investment game โ save more or adjust risk levels. If you're not sure, consider getting a pro's advice, especially if you're nearing retirement, had income shifts, or face market ups and downs.
๐ Step 3: Don't Forget Health Insurance Healthcare is a biggie. Even with Medicare and supplements, there are still costs. Think premiums, deductibles, co-pays, and rising prescription drug expenses. Keep an eye on healthcare costs in your planning.
Worried about your financial longevity? We're here to untangle the complexities of your financial plan. Reach out for a review and together, we'll chart a course to a comfy retirement, be it one decade or three. ๐๐ฐ
๐ **World Smile Day: Spread Happiness, One Smile at a Time!** ๐
Today, we celebrate the universal language that needs no translation: a smile! ๐
Here's why smiles are so incredible:
1. **Contagious Joy:** Smiles have this magical power to spread happiness like wildfire. When you smile, others can't help but smile back!
2. **Stress Buster:** A smile can melt stress away. It's nature's way of telling your brain, "Hey, everything's going to be okay!"
3. **Connects Hearts:** It's the quickest way to connect with people, whether you're greeting a friend or making a new one.
4. **Health Booster:** Smiling isn't just good for the soul; it's good for your health! It can lower your heart rate and boost your immune system.
5. **Acts of Kindness:** On World Smile Day, let's remember that small acts of kindness, like a smile, can make a big difference in someone's day.
Today, challenge yourself to share a smile with someoneโwhether it's a friend, a stranger, or even in the mirror. Let's fill the world with smiles, one grin at a time! ๐โจ
๐ **Understanding Market Corrections: What You Need to Know** ๐
Ever wondered what happens when the stock market suddenly goes down? Let's break it down:
๐ **What's a Market Correction?** ๐
A market correction is when stock prices drop by at least 10% but less than 20% from their recent high point. Think of it as a temporary hiccup in the financial rollercoaster. When prices go back up, we call it a "recovery."
๐ฅ **Different Dips Defined:** ๐ฅ
- A "pullback" or "dip" is when prices drop by 5% to 10%.
- A "crash" is the big one, with prices falling by 20% or more.
Fun fact: Recovering from a crash usually takes longer than a correction. On average, crashes take about 391 days to bounce back, while corrections recover in around 126 days.
๐คทโโ๏ธ **Predicting Is Tricky:** ๐คทโโ๏ธ
Market corrections aren't predictable. Trying to time the market is like trying to catch a falling star โ very tough! So, forget about taking your money out before a correction; it's not a reliable plan.
๐ **Best Strategy: Stay the Course!** ๐
Historically, the best move during a correction has been to stay calm and keep your investments as they are. Corrections have always been followed by recoveries. Selling in a panic locks in your losses.
๐
**Keeping Your Cool:** ๐
Watching your investments drop can be stressful. Consider tuning out too much market news and talk to your financial advisor. They can give you perspective and keep your eyes on your long-term goals.
๐ผ **Assess and Adjust:** ๐ผ
Corrections can be a time to rethink your risk tolerance and investments. If seeing red numbers makes you anxious, you might need to make some changes. Your financial advisor can help you with this.
Remember, market corrections are part of long-term investing. If your financial plan matches your goals and comfort level, the best thing to do during a correction is usually to stick with your plan. ๐๐
๐ **Millennials: The Entrepreneurial Generation!** ๐ผ
Millennials are rewriting the rules when it comes to work and financial independence. ๐ช๐
Did you know? This generation has a serious knack for entrepreneurship. They're not just dreaming; they're doing! More millennials than ever are starting their own businesses and side hustles. Why? Because they crave financial freedom and the flexibility to chart their own course. ๐๐
From e-commerce empires to creative freelancing and everything in between, millennials are boldly pursuing their entrepreneurial dreams. ๐ก
Are you a millennial entrepreneur, or do you have a side hustle? Share your story below and inspire others to take the leap! ๐ฃ๐
๐๐ฎ Happy Mid-Autumn Festival! ๐ฎ๐
Guess what? It's that time of the year when the moon shines the brightest, lanterns light up the night, and we all gather 'round for mooncakes and family fun!
๐ Mooncakes, Mooncakes Everywhere! ๐ฅฎ
It's like a mooncake treasure hunt out there! Can you find the most unique flavor this year? From classic lotus seed to exotic durian, there's a mooncake for every taste bud adventure!
๐ฎ Lanterns Light Up the Night! ๐ฎ
Let's light up the sky and our hearts with colorful lanterns. Whether you're carrying a traditional red lantern or a whimsical animal-shaped one, the glow of togetherness is what matters most!
๐ต Singing by Moonlight! ๐ค
Let's sing our favorite tunes under the moon's gentle gaze. Who cares if you're a bit off-key? It's the spirit that counts! ๐ถ
๐ช Family and Friends Reunion! ๐ซ
Mid-Autumn Festival is all about gathering with loved ones. Share stories, laughter, and, of course, those delectable mooncakes with your nearest and dearest.
๐ Stargazing and Moon-wishing! ๐
Tonight, let's gaze at the stars and make wishes to the moon. Who knows, maybe your dreams will reach the stars and beyond!
๐ Embrace the Autumn Vibes! ๐
With the leaves starting to fall, it's time to cozy up in your favorite sweater, sip on some warm tea, and relish the beauty of autumn.
No matter where you are in the world, may this Mid-Autumn Festival fill your heart with joy, your tummy with mooncakes, and your night with the warm glow of lanterns. Happy Mid-Autumn Festival, everyone! ๐๐ฎโค๏ธ
๐ **Dream Big, Achieve Bigger!** ๐
Why is dreaming big so important, you ask? ๐ Well, let's break it down:
1. **Inspiration:** Big dreams are like guiding stars in the night sky. They light up our path, inspire us to aim high, and push the boundaries of what's possible.
2. **Motivation:** When you have a colossal dream, it fuels your passion and determination. It's the "I can do this!" that keeps you going, even when the going gets tough.
3. **Innovation:** Big dreams drive innovation and progress. Think about all the groundbreaking inventions and discoveries born from someone's audacious vision.
4. **Resilience:** Dreams give you the strength to bounce back from setbacks. They remind you that challenges are just stepping stones toward your grand vision.
5. **Legacy:** Big dreams create a legacy. They leave an indelible mark on the world, inspiring others to dream big and follow their own aspirations.
So, here's the deal: Dreaming big isn't just about wishing for the stars; it's about reaching for them. Dare to dream big, set ambitious goals, and watch as you turn those dreams into reality. โจ๐ช
What's your biggest dream? Share it below and let's inspire each other! ๐ฌ๐
๐ **Defined Benefit vs. Defined Contribution: Unraveling the Retirement Puzzle** ๐ผ๐ฐ
Retirement planning can feel like putting together a complex puzzle, and two key pieces are "Defined Benefit" and "Defined Contribution" plans. Let's break down the difference:
**Defined Benefit (DB):** ๐
In this plan, your employer promises a specific monthly benefit when you retire, usually based on your salary and years of service. It's like having a fixed piece of the retirement puzzle, providing financial security and predictability.
**Defined Contribution (DC):** ๐น
Here, you and often your employer contribute to an account (like a 401(k)). The final piece of the puzzle depends on how much you've contributed and how well your investments perform. It's flexible and puts you in control, but it can be less predictable.
The question is, which puzzle piece is right for you? Well, it depends on your financial goals, risk tolerance, and how you envision your retirement.
**The Takeaway:** Both pieces are essential in your retirement puzzle. DB plans offer stability, while DC plans give you flexibility and ownership. Combining them or having a mix can create a well-rounded strategy.
Remember, there's no one-size-fits-all answer. Your unique puzzle may require a tailored approach. Seek advice and plan wisely to ensure your retirement picture comes together beautifully. ๐งฉ๐๏ธ
Which piece resonates with your retirement goals? Share your thoughts below! ๐ฌ๐ค
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