WEBVTT - Study Hall: HOW TO MAKE YOUR CHILD A MILLIONAIRE

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>I'll do this before. I want to do this later,

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<v Speaker 3>but I'll did this before. Everybody's in here earlier. Get

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<v Speaker 3>a little treat. So when I was on we was

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<v Speaker 3>on a breakfast club and I had mentioned a rough

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<v Speaker 3>IRA play for your kid, and I said, if you

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<v Speaker 3>put six thousand dollars into ETF hypothetically speaking into the

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<v Speaker 3>QQQ situation, and then by the time that they retired,

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<v Speaker 3>they'll have one point one million dollars. A lot of

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<v Speaker 3>people don't fully understand that, So let me break this down.

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<v Speaker 3>Let me break this down into into great detail. So

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<v Speaker 3>what I meant by that was this. The reason why

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<v Speaker 3>I did the row of is because obviously know the

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<v Speaker 3>ROWF is tax free. Well maybe not obviously, but if

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<v Speaker 3>you don't know that, a rough IRA, when you take

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<v Speaker 3>the money out and retirement is tax free. You don't

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<v Speaker 3>pay any income tax on it. So obviously if you're

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<v Speaker 3>if you're younger, you want to have the more tax

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<v Speaker 3>advantage playing as opposed to the traditional IRA that's actually taxed.

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<v Speaker 3>So you can actually open a row or a child

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<v Speaker 3>can open a wrough IRA. They have to be of

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<v Speaker 3>legal working age. That's why I said age fourteen because

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<v Speaker 3>for most states you can get you working permit, you

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<v Speaker 3>can start working at age fourteen. The reason why I

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<v Speaker 3>say six thousand is that the most that you can

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<v Speaker 3>put in into an IRA is six thousand dollars and

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<v Speaker 3>you can do up to the amount of money that's

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<v Speaker 3>earned for the year. So what I'm saying is that,

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<v Speaker 3>let's say, hypothetically speaking, the child had a part time job, right,

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<v Speaker 3>you work at CVS or a camp counselor, and then

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<v Speaker 3>you got another part time job throughout the course of

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<v Speaker 3>the year, a couple of hours a week. You're got

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<v Speaker 3>an average for the twelve months about six thousand dollars.

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<v Speaker 3>So the six thousand dollars was not a number that

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<v Speaker 3>you definitely have to do. It's just to give you

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<v Speaker 3>an example on it. So if you contributed six thousand

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<v Speaker 3>dollars into the rough IRA for your child at the

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<v Speaker 3>age of fourteen, once they are able to start working. Now,

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<v Speaker 3>the reason why I say QQQ is that QQQ has

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<v Speaker 3>averaged twenty percent for the last ten years.

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<v Speaker 2>Right, So when you.

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<v Speaker 3>Say average twenty percent for the last ten years, that's

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<v Speaker 3>not like guaranteed that it's going to get twenty percent

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<v Speaker 3>every single year.

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<v Speaker 2>Deans is that so in an average, like you know

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<v Speaker 2>we all went to math class.

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<v Speaker 3>If something is forty percent one year, ten percent one year,

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<v Speaker 3>fifteen percent one.

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<v Speaker 2>Year, we take the average. We take the average of

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<v Speaker 2>those numbers.

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<v Speaker 3>So it's not guaranteed that's going to do twelve percent

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<v Speaker 3>for the course of the next sixty years, but I

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<v Speaker 3>mean it has strong track record. So that's why I said, Okay,

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<v Speaker 3>it's done twenty percent for the last ten years, it's

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<v Speaker 3>not unreasonable to think it's going to do twelve percent

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<v Speaker 3>a year average. So when you average, if you put

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<v Speaker 3>six thousand dollars in and just did it for one year,

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<v Speaker 3>if you average that twelve percent over the course of

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<v Speaker 3>time until they actually reached sixty the eight. The reason

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<v Speaker 3>why I use the age sixty is that is the

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<v Speaker 3>retirement age for the irs, right, fifty nine and a half.

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<v Speaker 3>So the whole point of it was to say, you know,

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<v Speaker 3>if you set your child up, hypothetically speaking, they'll have

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<v Speaker 3>over a million dollars in retirement.

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<v Speaker 2>So that's what I was saying.

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<v Speaker 3>As far as a lot of time, people take jobs

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<v Speaker 3>and you know, they sacrifice their dreams and all of

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<v Speaker 3>that just to get a retirement plan a four to

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<v Speaker 3>one K or pension you had all the time, the

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<v Speaker 3>job has good benefits. So I was using that as

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<v Speaker 3>a hypothetical example to show you, like, this is a

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<v Speaker 3>play that you can run for your child. Now Obviously

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<v Speaker 3>there's different strategies. You can put it less money in,

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<v Speaker 3>you can do it over the court of time, you

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<v Speaker 3>can do yearly. It doesn't have to be done all

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<v Speaker 3>at once, just in one year. But that was a

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<v Speaker 3>that was an example, you know, just to kind of

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<v Speaker 3>show you if you really think about it, like, damn,

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<v Speaker 3>six thousand dollars can actually guarantee almost guarantee a million dollars.

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<v Speaker 4>I've show people was listening like, isn't know what he's

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<v Speaker 4>talking about?

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<v Speaker 2>Yes, yes, yes, dude. You always gott to clarify stuff.

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<v Speaker 3>There's always not even it's not even that people are

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<v Speaker 3>critics or anything like that.

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<v Speaker 2>It's just that people aren't fully educated. So that's what

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<v Speaker 2>makes them critical because the lack of education.

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<v Speaker 3>Yeah so, but our job is to make sure that

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<v Speaker 3>everybody understands the information, because you know, a teacher is

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<v Speaker 3>only good as the students that actually retain the information.

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<v Speaker 3>So if we're not if we're not relaying the information

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<v Speaker 3>to where the point where everybody can understand it, then

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<v Speaker 3>it just has to be explained a little bit further.

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<v Speaker 3>So I'm glad that we actually got a chance to

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<v Speaker 3>pull it.

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<v Speaker 4>Erners, what's up you ever walk into a small business

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<v Speaker 4>and everything just works like. The checkout is fast, the

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<v Speaker 4>receipts are digital, tipping is a breeze, and you're out

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<v Speaker 4>the door before the line even builds odds are they're

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<v Speaker 4>using Square. We love supporting businesses that run on Square

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<v Speaker 4>because it just feels seamless. Whether it's a local coffee shop,

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<v Speaker 4>a vendor at a pop up market, or even one

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<v Speaker 4>all from one simple system. If you're a business owner

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<v Speaker 4>or even just thinking about launching something soon, Square is

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<v Speaker 4>on what matters most ready. To see how Square can

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<v Speaker 4>transform your business, visit Square dot com backslash go backslash

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<v Speaker 4>eyl to learn more that Square dot com backslash, go

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<v Speaker 4>backslash eyl. Don't wait, don't hesitate. Let's Square handle the

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<v Speaker 4>back end so you can keep pushing your vision forward.

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<v Speaker 4>This episode is brought to you by P and C Bank.

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<v Speaker 4>A lot of people think podcasts about work are boring

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<v Speaker 4>and sure they definitely can be, but understanding a professionals

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<v Speaker 4>routine shows us how they achieve their success, little by little,

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<v Speaker 4>day after day. It's like banking with P and C Bank.

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<v Speaker 4>It might seem boring to save, plan and make calculated

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<v Speaker 4>decisions with your bank, but keeping your money boring is

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<v Speaker 4>what helps you live a more happily fulfilled life. P

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<v Speaker 4>and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

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<v Speaker 4>Boring since eighteen sixty five is a service mark of

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<v Speaker 4>the PNC Financial Service Group, Inc. P and C Bank

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<v Speaker 4>National Association Member FDIC.

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<v Speaker 3>Coach.

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<v Speaker 5>The energy out there felt different. What changed for the

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<v Speaker 5>team today?

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<v Speaker 6>It was a new game day scratches from the California

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<v Speaker 6>Lottery players everything. Those games sent the team's energy through

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<v Speaker 6>the roof.

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<v Speaker 5>Are you saying it was the off field play that

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<v Speaker 5>made the difference on the field.

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<v Speaker 6>Hey, little play makes your day, and today it made

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<v Speaker 6>the game. That's all for now, Couch one more question.

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<v Speaker 7>Play than New Los Angeles Chargers, San Francisco forty nine

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<v Speaker 7>Ers and Los Angeles Rams scratchers from the California Lottery.

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<v Speaker 7>A little play can make your day. Peace, Paly responsiblit

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<v Speaker 7>must be eighteen years or older to purchase plate or claim.

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<v Speaker 3>We explained that because I know that that was something

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<v Speaker 3>that a lot of people may have had questions about.

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<v Speaker 3>And the last thing before we bring in on a

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<v Speaker 3>lot of people will say like, well, how can I

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<v Speaker 3>open up a rough ira.

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<v Speaker 2>It's pretty easy.

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<v Speaker 3>You can do it all brokerage accounts, you know, Fidelity TV,

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<v Speaker 3>anything like that. You can open up a Royal piray

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<v Speaker 3>for your child. We actually talked about it in the

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<v Speaker 3>trapper with Eyl of course as well, when you went

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<v Speaker 3>to detail, here's.

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<v Speaker 8>The fundamentals that matter. Stop buying at the top of

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<v Speaker 8>the market. When Tessa got to eight seventy five, everything

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<v Speaker 8>fell apart and you were like, why the market hit

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<v Speaker 8>the top of nine hundred. Some of this is common sense.

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<v Speaker 8>If a house is worth two fifty, don't buy it

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<v Speaker 8>at two forty five.

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<v Speaker 9>It's not worth it.

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<v Speaker 2>I don't care if it has ten grand.

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<v Speaker 8>Is not worth it to do the market is only

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<v Speaker 8>down twenty four out of one hundred and ninety five years,

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<v Speaker 8>and crashes last less than six months with to positative.

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<v Speaker 2>Easy even less than March and show with.

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<v Speaker 8>That, stop call members my byce Toe you stop looking

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<v Speaker 8>for ninety eight positions to be For those of you

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<v Speaker 8>who got into five to nine last March, you're up

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<v Speaker 8>three hundred and sixty percent off office stock that most

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<v Speaker 8>people never get heard of or though there is a

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<v Speaker 8>lot of value for holding long term. Kudos to you

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<v Speaker 8>if you got in on those outpha my dream team family,

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<v Speaker 8>my advice see you.

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<v Speaker 10>We have a tremendous opportunity here to be able to

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<v Speaker 10>present and print the kind of returns that only maybe

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<v Speaker 10>Kathy and Peter.

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<v Speaker 8>Lynch were able to do. But we can do that

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<v Speaker 8>inside of a quarter. Stick to the plane and do

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<v Speaker 8>not DBA no matter what you hear. You can create.

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<v Speaker 9>Riches in twenty four and fifty trains in the year

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<v Speaker 9>will be go there.

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<v Speaker 8>For our business owners, we want to start giving a

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<v Speaker 8>couple of tips. The most important aspect of a brand

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<v Speaker 8>is a single mindedness to a relentless focus on being

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<v Speaker 8>the best in the world at one thing. If you

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<v Speaker 8>have a business, your edge is going to be what

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<v Speaker 8>are you the best in the world at. If you

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<v Speaker 8>have a company that you run where it's large or small,

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<v Speaker 8>please put in chat what that is and then tell

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<v Speaker 8>me what does your company do so well?

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<v Speaker 9>That no one else can duplicate it. If you don't

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<v Speaker 9>have that edge, you need.

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<v Speaker 8>To start building right and we'll be close and wrapping

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<v Speaker 8>up four of the twenty eight pillars that you need

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<v Speaker 8>for your own personal and economic mode, and about eight weeks,

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<v Speaker 8>I want to break down the entire economic mode that

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<v Speaker 8>you need personally.

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<v Speaker 9>You need a business, you need stops, real estate, you

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<v Speaker 9>need life insurance.

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<v Speaker 2>Those are the four that you want to start with.

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<v Speaker 8>And the freedom intrics that I was trying to get

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<v Speaker 8>Seasier to reveal, but he wouldn't put you on.

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<v Speaker 9>Ideally, we want to get to a place where we

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<v Speaker 9>have ultimate freedom of ten thousand years and one thousand wars.

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<v Speaker 8>The five Buggess mistakes from made from this year for

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<v Speaker 8>me One not swinging traded enough.

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<v Speaker 9>Two you guys know this already, did not give enough

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<v Speaker 9>rest because that does affect people are trading. Three deviating

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<v Speaker 9>from playing Number four taking in outside noise. I literally

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<v Speaker 9>looked at my percentage rate. I perform twenty percent higher

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<v Speaker 9>when I take in less meeting. So when I'm only

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<v Speaker 9>looking at news one hour a day, I perform a

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<v Speaker 9>hell of a lot better.

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<v Speaker 8>And number five.

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<v Speaker 2>Not including the vexed future into my trading part. Those

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<v Speaker 2>are my five business mistakes because.

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<v Speaker 10>Regardless of what the market does, if we slide up

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<v Speaker 10>or down, if you add to vincing and swing trading,

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<v Speaker 10>you'll be great. My question of the week for you

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<v Speaker 10>is are you here to get rich or are you

0:10:47.400 --> 0:10:48.480
<v Speaker 10>here to sound smart?

0:10:49.480 --> 0:10:52.000
<v Speaker 2>I hear a lot of people talking, a lot of.

0:10:51.920 --> 0:10:53.120
<v Speaker 4>People talking, and that's fine.

0:10:53.160 --> 0:10:56.199
<v Speaker 8>I want us to be intellectually capable, to be able

0:10:56.240 --> 0:10:57.640
<v Speaker 8>to have these conversations anywhere.

0:10:59.520 --> 0:11:04.240
<v Speaker 9>But ultimate does it mean anything? If n four years

0:11:04.320 --> 0:11:07.160
<v Speaker 9>you're not making any money? Does not? It is not

0:11:07.280 --> 0:11:08.400
<v Speaker 9>It's gonna be off or nothing.

0:11:10.440 --> 0:11:15.679
<v Speaker 6>My graduates from my school being forced bad drop bag drop,

0:11:16.280 --> 0:11:19.120
<v Speaker 6>Mike drop bad drop drops.

0:11:29.880 --> 0:11:32.600
<v Speaker 5>Coach, The energy out there felt different. What changed for

0:11:32.640 --> 0:11:33.240
<v Speaker 5>the team today?

0:11:33.360 --> 0:11:35.520
<v Speaker 6>It was the new game day scratches from the California

0:11:35.559 --> 0:11:38.760
<v Speaker 6>Lottery player is everything? Those games sent the team's energy

0:11:38.760 --> 0:11:39.280
<v Speaker 6>through the roof.

0:11:39.360 --> 0:11:41.320
<v Speaker 5>Are you saying it was the off field play that

0:11:41.400 --> 0:11:42.480
<v Speaker 5>made the difference on the field.

0:11:42.600 --> 0:11:45.319
<v Speaker 6>Hey, little play makes your day, and today it made

0:11:45.360 --> 0:11:47.720
<v Speaker 6>the game that's off of now, Coach.

0:11:47.600 --> 0:11:48.280
<v Speaker 8>One more question?

0:11:48.440 --> 0:11:51.280
<v Speaker 7>Played the new Los Angeles Chargers, San Francisco forty nine

0:11:51.360 --> 0:11:54.440
<v Speaker 7>Ers and Los Angeles Ram scratchers from the California Lottery.

0:11:54.520 --> 0:11:57.640
<v Speaker 7>A little play can make your day. Peace may responsibly.

0:11:57.720 --> 0:11:59.240
<v Speaker 7>Must be eighteen years or older to purchase late or

0:11:59.280 --> 0:11:59.520
<v Speaker 7>claim