Good morning. The gap between where you want to retire and where you actually end up often comes down to decisions hiding in plain sight. Today, we look at three of them.
On The Money Today:
Caleb Hammer told Rogan every boomer should have $2M to $5M saved
She retired in her 40s abroad and her income followed her
A caller with a raise wants to finance a car. Ramsey had one thing to say
Let's get into it.
Hammer claimed anyone who invested consistently since 1990 would be sitting on millions today. Moneywise ran the actual numbers — and the real figure lands somewhere very different. Before you agree or disagree, it's worth knowing where you actually stand.
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Isah Kushma retired at 40 and moved to Costa Rica on a fixed income — and her benefits followed her across the border. If you've ever wondered whether you could stretch your retirement savings further by living abroad, her story covers what works, what costs more than expected and what she'd do differently.
Carl from New York just got a raise and wants to finance a $25,000 car. Ramsey's response was blunt — and backed by research across 10,000 millionaires that reveals exactly what separates people who build wealth from those who stay broke.
ALSO MAKING THE ROUNDS TODAY
INVESTING: Bank of America's top strategist is seeing something in the S&P 500 that last showed up right before the dot-com bubble burst in 2000
RETIREMENT: Most 65-year-olds assume Medicare costs $202 a month, but one little-known surcharge can quietly add $600 more to your monthly bill
MANAGING MONEY: A Michigan dad saved $550K by 40, cut his hours in half and kept his income — his so-called 'cheat code' is simpler than you'd think
MANAGING MONEY: An 85-year-old Florida woman was caught on camera about to hand over thousands to a scammer — police say the warning signs were all there
HAVE YOUR SAY
Ramsey says to ditch this expense. Do you currently have a car payment?
That's a wrap for today! Before you go, we'd love to know what you thought of today's newsletter. Hit REPLY if you have more to share — we read every one.
See you soon with another quick roundup of the financial news that matters.
