Retirement Wisdom

@pritikapokharna @StepStoneAssets Many people underestimate how long retirement may actually last.

Day 9: Setting Financial Goals 🎯 Short-term: Emergency fund 🏡 Medium-term: House purchase 👵 Long-term: Retirement Match goals with the right investments. “Got questions? Reach out—we’re here to simplify investing for you.” @StepStoneAssets #FinancialGoals

@Livingston51887 @KAHALA123Y Long-term financial stability usually comes from consistent planning.

@KAHALA123Y Financial stability can definitely change how people perceive you. Not gonna lie, it's wild how money can shift dynamics like that. But let's keep vibes positive - success is attractive, and respect is earned

Bro, A poor man's greetings are mistaken as begging. Even friends think you're asking for a favour when you call them. Relatives mistake visiting for neediness. Make a lot of money. You'll save yourself from a lot of disrespect.

@DevolutionBegin @Bitcoin_Teddy Inflation can quietly become one of the biggest risks in retirement.

Most things are pretty consistent when you adjust for inflation. Boomers were willing to live in undeveloped suburbs for 30 years and keep their lawns perfect to make their retirement money. Younger people prefer cities and pursuing passions, and spend a lot more money on incidentals, newer cars with unfavorable loans, etc. It’s still the easiest time to get ahead, especially when you consider the number of remote jobs. You could get a remote job, buy a 70k plot of land 1.5 hours from a city and invest a huge amount of your income instead of buying new things or going out to eat. It might not be as easy in every way, but it can be done.

Older generations say “we all struggled in our 20s.” No, you didn’t. You didn’t pay $3200 for rent and $10 for eggs. You didn’t graduate into $50K student debt and $0 job security. Gen Z isn’t dramatic. They’re drowning.

@AtanuBanker Inflation can quietly become one of the biggest risks in retirement.

3️⃣ The 20% Savings is Too Low: In the US, 20% might work. In India, with 7% inflation and high medical costs (14% medical inflation), saving just 20% won't build a real corpus for a house or retirement. You aren't just saving; you're racing against a devaluing rupee. 🏃‍♂️💸

The 50-30-20 rule is the most famous budgeting advice in the world. But for the Indian salaried class in 2026, it is a mathematical trap. If you are struggling to follow it, you aren't "bad with money"—the rule is just broken for our reality. Here is why 🧵👇 #personalfinance

Planning for medical costs is an important part of long-term financial security.

Healthcare costs are one of the most underestimated retirement expenses. They often rise faster than general inflation.

@Budgetdog_ It depends on how “investment” is defined. For many, a home provides long-term cost security rather than income.

A personal home is NOT an investment

@PA_PSERS Many people underestimate how long retirement may actually last.

PSERS’ latest review highlights strong long-term investment performance! 🎉 “Performance over the long run is what matters most, and these results demonstrate solid outcomes to support Pennsylvania’s public school employees.” - Vice Chair Susan Lemmo pa.gov/agencies/psers…

@Investor_JPD @dividendology A paid-off home before retirement changes the financial picture completely.

@dividendology Most millionaires are so because they have a paid off home and 50% of their net worth is in their home equity. They still ha e to work because they're asset rich, but cash flow poor

A team at Dave Ramsey's company conducted the largest study on millionaires ever. The results are not what you would expect: • Most millionaires were in their +40s with paid off Personal Homes • Most millionaires contributed to their 401k plans • Most millionaires shared a bank account with their partner • Most millionaires on average made less than $100,000 yearly • Most millionaires never took a business loan • Most millionaires are self-made It isn't easy, but being a millionaire is well in reach for many people.

@SatireMedi63111 @UK_Compounder @Budgetdog_ A paid-off home before retirement changes the financial picture completely.

@UK_Compounder @Budgetdog_ A home is only an asset if it is 100% paid off or being rented out above mortgage for positive cash flow Buying a home to personally live in & financed with a mortgage is not an asset for you it is for your bank sweetie

@Newsblog2015859 Long-term financial stability usually comes from consistent planning.

Central banks are public institutions that set monetary policy, control money supply, and support financial stability and price control in an economy. #CentralBanks #MonetaryPolicy #InflationControl #FinancialStability #InterestRates #CurrencyManagement #AmericaBusinessPulse

@markjquann Inflation can quietly become one of the biggest risks in retirement.

You don’t need an economist You just need to buy groceries Pay for gas Or try to buy a home Then you realize… 2–3% inflation doesn’t feel real Here’s why your gut is right Let’s look at history They won’t teach you this in public school Inflation was surging in the 1970s So they changed how it’s calculated Late 1970s → “Core CPI” They removed food and energy from the rate Sounds reasonable… right? Gas and groceries spike… but they’re excluded Conclusion: INFLATION IS LOWER Then inflation spikes again… 1983 → housing replaced with “owner’s equivalent rent” Home prices double… but rents don’t Conclusion: INFLATION IS LOWER Then again… 1996 → Boskin Commission Advisory Commission to Study the Consumer Price Index They changed the formula Conclusion: INFLATION IS LOWER They didn’t stop inflation They changed how it’s measured And every time… Reported inflation is LOWER While your cost of living keeps rising They won’t tell you the truth I will And I’ll show you the solution Learn how the wealthy think Learn the strategies they use And teach them to your kids The wealthy don’t fight inflation They use it They buy assets They borrow against them tax free And use that money to buy more No selling No income No taxes Any American can start Even with $100 in a brokerage account Meanwhile… Inflation drives asset prices higher They build wealth You can too Without selling Without taxes Without relying on Social Security If you doubt it… Ask AI: What is the Buy Borrow Die strategy? Can ordinary Americans use it? How can I start with $100 based on Be Smart Pay Zero Taxes? Then decide for yourself #BeSmartPayZeroTaxes

Managing expenses wisely can be just as powerful as increasing income. ⸻

Financial independence is often misunderstood. It’s not always about earning more.

@GMMAG1 Many people underestimate how much healthcare can cost later in life.

Why don’t energy companies want to communicate with debt advisers who are trying to help their customers? Are debt advisers being pushed into support worker roles due to reducing provision of social care? Are debt advisers agents of the state? All this reckoning from 10am

@Sig0_CultMember @Knick_RSA Many South Africans underestimate how much healthcare can cost later in life.

@Knick_RSA Always remember the Downfall of Julius Malema didn’t save South Africa, fact we still poor, unemployed, crime is high, have poor education system n healthcare system While your fight was against 1 man and your pockets got filled up for it SAns remained suffering

😭😭😭always Remember Julius wanted to be a President of South Africa and the Continent.

@Kjmawuena Inflation can be especially challenging for people living on fixed retirement income.

The Problem Your bank holds your money. It invests it. It profits. And you? You get 0.5% a year if you're lucky. Inflation does the rest: every year, your savings are worth a little less. The system was designed that way. Not for you.

The Hook There is a parallel financial system. It runs 24/7. It never sleeps. While you're reading this, it's generating yield. It's called DeFi. And @noon_capital is one of its most ambitious players.

@Behind_The_Syst @PeterSchiff Inflation can be especially challenging for people living on fixed retirement income.

@PeterSchiff Precious metals sell off as the Fed stays cautious—but ignoring runaway inflation is risky. Holding rates too long could make even 6% look like too little, too late

Gold and silver are selling off again because investors realize rising inflation takes rate cuts off the table. But they don't realize that while the Fed holds rates steady, inflation will run away. By the time it acts even a 6% fed funds rate won't be high enough to rein it in.

@BRstockguide_ Rising living costs in make retirement planning more important than ever.

Hapvida’s turnaround story just hit another speed bump 📉Losses are back, costs are rising, and margins are still under pressure. For now, recovery remains a promise—not a reality. brazilstockguide.com/insights/hapvi…

@glacyforyou @boodolism Rising living costs in make retirement planning more important than ever.

@boodolism May nag post na grab driver about his current struggle w/ the rising fuel costs tapos si bangag everything is normal daw

Another feather on @bongbongmarcos’ cap. Loyalists must be so proud he keeps breaking records one after another.👏🏆