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  • The habits of early retirees tend to be profoundly powerful, yet strangely simple.⁣⁠
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From CNBC Make It contributor Steve Adcock:⁣⁠
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The large majority of early retirees saved a bunch of money, that probably goes without saying. ⁣⁠
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But how many of their lifestyle techniques could be picked up and mastered by almost anyone? Probably more of them than you think.⁣⁠
⁣⁠
From prioritizing their futures over “living the good life” now to understanding where their money goes, check out 5 simple habits that could help you retire early, in the link in bio.⁣⁠
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#retire #retirement #money #habits #business #success #retired #retiredlife #entrepreneur
  • The habits of early retirees tend to be profoundly powerful, yet strangely simple.⁣⁠
    ⁣⁠
    From CNBC Make It contributor Steve Adcock:⁣⁠
    ⁣⁠
    The large majority of early retirees saved a bunch of money, that probably goes without saying. ⁣⁠
    ⁣⁠
    But how many of their lifestyle techniques could be picked up and mastered by almost anyone? Probably more of them than you think.⁣⁠
    ⁣⁠
    From prioritizing their futures over “living the good life” now to understanding where their money goes, check out 5 simple habits that could help you retire early, in the link in bio.⁣⁠
    ⁣⁠
    ⁣⁠
    ⁣⁠
    ⁣⁠
    ⁣⁠
    ⁣⁠
    #retire #retirement #money #habits #business #success #retired #retiredlife #entrepreneur
  • 2,521 63 20 hours ago
  • 🇬🇧I’m not getting older, I’m just becoming a classic. 👉 I hope that this porces will be full of happines, opportunities and good shape, as I can travel and getting know the world. Because is a lot to get know. 🇸🇰Ja nestarnem, len sa zo mňa stáva klasik. 👉 Verím, že tento proces bude plný šťastia, ľahkosti a príležitostí spoznávať nové miesta, kultúru, históriu. .
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#old#age#boy#guy#slovakboy#czechboy#beard#travel#classic#retirement#travel#enjoy
  • 🇬🇧I’m not getting older, I’m just becoming a classic. 👉 I hope that this porces will be full of happines, opportunities and good shape, as I can travel and getting know the world. Because is a lot to get know. 🇸🇰Ja nestarnem, len sa zo mňa stáva klasik. 👉 Verím, že tento proces bude plný šťastia, ľahkosti a príležitostí spoznávať nové miesta, kultúru, históriu. .
    .
    .
    #old #age #boy #guy #slovakboy #czechboy #beard #travel #classic #retirement #travel #enjoy
  • 302 6 2 hours ago
  • A crazy list of Things we have given up to be on our way to mortgage free...... ⁣
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I have cut OUT Manicures, pedicures, lash extensions, facials, fancy name brand accessories. No more Ulta beauty for this girl. I’ve become such a simple person. ⁣
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We have become minimalists to some degree. We don’t want any extras in our home thus saving money. We have sold so much “stuff” that didn’t serve us purpose or bring us joy. ⁣
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I’m ready to sell a dresser I’m that crazy on cutting back on clothes. ⁣
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We drive older vehicles that are paid for. (Mine is 2010, Husband’s is 2015). I’ve NEVER leased a vehicle! We don’t get fancy rims etc.  I wash my car myself in the summer. ⁣
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We don’t have cable tv, just Netflix on a old tv. (Just 1 tv in our home) ⁣
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No Amazon prime! ⁣
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No expensive gym memberships. ⁣
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No music services. I’m okay with commercials for free. ⁣
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I clean my house myself even though I would love a cleaning service! ⁣
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No Starbucks unless I have a gift card. ⁣
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We mow our yard and do all fertilizing treatments ourselves. So much cheaper this way! ⁣
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We buy gently used kid stuff before paying Full price. Just picked up a Halloween costume on FB marketplace for $5. ⁣
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We Shop at Aldi and don’t eat out as much as we used to. We buy generic but a lot of organic produce and meat. ⁣
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We try hard to have many no spend months. ⁣
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As my husband says we don’t use AS much electricity or heat like most people 😂😂😂 (I won’t turn the heat on til it’s 60 in the house lol) ⁣
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Small trade offs to pay this mortgage off ASAP!
  • A crazy list of Things we have given up to be on our way to mortgage free...... ⁣

    I have cut OUT Manicures, pedicures, lash extensions, facials, fancy name brand accessories. No more Ulta beauty for this girl. I’ve become such a simple person. ⁣

    We have become minimalists to some degree. We don’t want any extras in our home thus saving money. We have sold so much “stuff” that didn’t serve us purpose or bring us joy. ⁣

    I’m ready to sell a dresser I’m that crazy on cutting back on clothes. ⁣

    We drive older vehicles that are paid for. (Mine is 2010, Husband’s is 2015). I’ve NEVER leased a vehicle! We don’t get fancy rims etc. I wash my car myself in the summer. ⁣

    We don’t have cable tv, just Netflix on a old tv. (Just 1 tv in our home) ⁣

    No Amazon prime! ⁣

    No expensive gym memberships. ⁣

    No music services. I’m okay with commercials for free. ⁣

    I clean my house myself even though I would love a cleaning service! ⁣

    No Starbucks unless I have a gift card. ⁣

    We mow our yard and do all fertilizing treatments ourselves. So much cheaper this way! ⁣

    We buy gently used kid stuff before paying Full price. Just picked up a Halloween costume on FB marketplace for $5. ⁣

    We Shop at Aldi and don’t eat out as much as we used to. We buy generic but a lot of organic produce and meat. ⁣

    We try hard to have many no spend months. ⁣

    As my husband says we don’t use AS much electricity or heat like most people 😂😂😂 (I won’t turn the heat on til it’s 60 in the house lol) ⁣


    Small trade offs to pay this mortgage off ASAP!
  • 770 28 8 October, 2019
  • Hey Landyn 👋🏻 What’s Steve up to these days? Inquiring minds wanna know... Well, between being an incredible dad, most supportive husband, gourmet cook, family cheerleader, shelf builder, box breaker-downer, laundry folder, uber driver, homework helper... he’s got another big gig he balances and still smiles through it all {ok, sometimes he gets annoyed with me. ha! rightfully so} Today on www.livingwithlandyn.com > on the homepage. I’m sharing more about what keeps him busy these days for those of you asking.  Love you babe. Thanks for keeping up with my level of craziness. You know there’s no one else i’d rather do life with ❤️ #heylandyn #allthethings #football #husbandoftheyear #myman #bestofthebest #retirement #nextchapter #makingprettychoices
  • Hey Landyn 👋🏻 What’s Steve up to these days? Inquiring minds wanna know... Well, between being an incredible dad, most supportive husband, gourmet cook, family cheerleader, shelf builder, box breaker-downer, laundry folder, uber driver, homework helper... he’s got another big gig he balances and still smiles through it all {ok, sometimes he gets annoyed with me. ha! rightfully so} Today on www.livingwithlandyn.com > on the homepage. I’m sharing more about what keeps him busy these days for those of you asking. Love you babe. Thanks for keeping up with my level of craziness. You know there’s no one else i’d rather do life with ❤️ #heylandyn #allthethings #football #husbandoftheyear #myman #bestofthebest #retirement #nextchapter #makingprettychoices
  • 8,217 87 8 October, 2019
  • Congrats Lt Robert J Sarno "Bucky" on his retirement after almost 39 years of service to the FDNY.  Bucky got on in 1981, assigned to E-312 before transferring to E-332 a year later.  After being promoted in 1991, he worked in the 11th division before finding a home at E-283 in 1994, where he spent the last 25 years protecting Brownsville. Congrats on an amazing career & a well earned retirement. #fdny #fdnyretirement #retirement #cityofnewyork
  • Congrats Lt Robert J Sarno "Bucky" on his retirement after almost 39 years of service to the FDNY. Bucky got on in 1981, assigned to E-312 before transferring to E-332 a year later. After being promoted in 1991, he worked in the 11th division before finding a home at E-283 in 1994, where he spent the last 25 years protecting Brownsville. Congrats on an amazing career & a well earned retirement. #fdny #fdnyretirement #retirement #cityofnewyork
  • 1,866 35 16 October, 2019

Latest Instagram Posts

  • Congratulations to Janko Tipsarevic for an amazing tennis career! An awesome tennis player, always a fighter and an inspiration business man. I learnt from you on and off the court and and am happy to have organised tennis camps with you. Wishing you all the best in the great things to come!
  • Congratulations to Janko Tipsarevic for an amazing tennis career! An awesome tennis player, always a fighter and an inspiration business man. I learnt from you on and off the court and and am happy to have organised tennis camps with you. Wishing you all the best in the great things to come!
  • 55 1 58 minutes ago
  • Seeing my clients grow and being able to progress alongside with them throughout their milestones in life is my career KPI! 📈

Thankful to have met this supportive family from the beginning of my career! 🙏🏻 #Thankful #感恩
  • Seeing my clients grow and being able to progress alongside with them throughout their milestones in life is my career KPI! 📈

    Thankful to have met this supportive family from the beginning of my career! 🙏🏻 #Thankful #感恩
  • 11 3 1 hour ago
  • 🇬🇧I’m not getting older, I’m just becoming a classic. 👉 I hope that this porces will be full of happines, opportunities and good shape, as I can travel and getting know the world. Because is a lot to get know. 🇸🇰Ja nestarnem, len sa zo mňa stáva klasik. 👉 Verím, že tento proces bude plný šťastia, ľahkosti a príležitostí spoznávať nové miesta, kultúru, históriu. .
.
.
#old#age#boy#guy#slovakboy#czechboy#beard#travel#classic#retirement#travel#enjoy
  • 🇬🇧I’m not getting older, I’m just becoming a classic. 👉 I hope that this porces will be full of happines, opportunities and good shape, as I can travel and getting know the world. Because is a lot to get know. 🇸🇰Ja nestarnem, len sa zo mňa stáva klasik. 👉 Verím, že tento proces bude plný šťastia, ľahkosti a príležitostí spoznávať nové miesta, kultúru, históriu. .
    .
    .
    #old #age #boy #guy #slovakboy #czechboy #beard #travel #classic #retirement #travel #enjoy
  • 302 6 2 hours ago
  • Most people probably get paid via direct deposit and on payday we usually just log-on to our banking app and make sure our money is there. But do you pay attention to your paystub? There is so much information on there that it can be confusing to understand what it all means. 
I will help define a few key points today. 
Gross pay vs Net pay: Gross pay is what you have agreed to be paid, either hourly or salary, and the amount is before any deductions have been taken out. 
Net pay is your “take home pay” after all deductions. 
Deductions can be done “pre-tax” or “post-tax”
“Pre-tax deductions” means money is taken out of your check before any federal, state, or local taxes are applied. This reduces your taxable income and thus the taxes you owe. (Some examples are medical insurance, most 401k, HSA, dependent/daycare) “Post-tax deductions” are taken out of your  pay once your federal, state, or local taxes have been applied and do not help reduce your taxable income. (Some examples are ROTH IRA, garnishments, Union fees) 
#letstalkaboutdebt #99problemsdebtaintw1n
  • Most people probably get paid via direct deposit and on payday we usually just log-on to our banking app and make sure our money is there. But do you pay attention to your paystub? There is so much information on there that it can be confusing to understand what it all means.
    I will help define a few key points today.
    Gross pay vs Net pay: Gross pay is what you have agreed to be paid, either hourly or salary, and the amount is before any deductions have been taken out.
    Net pay is your “take home pay” after all deductions.
    Deductions can be done “pre-tax” or “post-tax”
    “Pre-tax deductions” means money is taken out of your check before any federal, state, or local taxes are applied. This reduces your taxable income and thus the taxes you owe. (Some examples are medical insurance, most 401k, HSA, dependent/daycare) “Post-tax deductions” are taken out of your pay once your federal, state, or local taxes have been applied and do not help reduce your taxable income. (Some examples are ROTH IRA, garnishments, Union fees)
    #letstalkaboutdebt #99problemsdebtaintw1n
  • 7 1 4 hours ago
  • Most people probably get paid via direct deposit and on payday we usually just log-on to our banking app and make sure our money is there. But do you pay attention to your paystub? There is so much information on there that it can be confusing to understand what it all means. 
I will help define a few key points today. 
Gross pay vs Net pay: Gross pay is what you have agreed to be paid, either hourly or salary, and the amount is before any deductions have been taken out. 
Net pay is your “take home pay” after all deductions. 
Deductions can be done “pre-tax” or “post-tax”
“Pre-tax deductions” means money is taken out of your check before any federal, state, or local taxes are applied. This reduces your taxable income and thus the taxes you owe. (Some examples are medical insurance, most 401k, HSA, dependent/daycare) “Post-tax deductions” are taken out of your  pay once your federal, state, or local taxes have been applied and do not help reduce your taxable income. (Some examples are ROTH IRA, garnishments, Union fees) 
#letstalkaboutdebt #99problemsdebtaintw1n
  • Most people probably get paid via direct deposit and on payday we usually just log-on to our banking app and make sure our money is there. But do you pay attention to your paystub? There is so much information on there that it can be confusing to understand what it all means.
    I will help define a few key points today.
    Gross pay vs Net pay: Gross pay is what you have agreed to be paid, either hourly or salary, and the amount is before any deductions have been taken out.
    Net pay is your “take home pay” after all deductions.
    Deductions can be done “pre-tax” or “post-tax”
    “Pre-tax deductions” means money is taken out of your check before any federal, state, or local taxes are applied. This reduces your taxable income and thus the taxes you owe. (Some examples are medical insurance, most 401k, HSA, dependent/daycare) “Post-tax deductions” are taken out of your pay once your federal, state, or local taxes have been applied and do not help reduce your taxable income. (Some examples are ROTH IRA, garnishments, Union fees)
    #letstalkaboutdebt #99problemsdebtaintw1n
  • 6 1 4 hours ago
  • I HAD A BLAST listening to the powerful and very inspiring speakers of MONEY TALKS QATAR 2019 (October 18 - @crowneplazadohabp). Opened by a very insightful PHILIPPINE MARKET OUTLOOK by The @randelltiongson, followed by 2 equally inspiring and thought-provoking talks (my new favorites😉) from Mr. #DodongCacanando (Agripreneur and Business Stewardship), to Sir #RexMendoza (Wisdom and Insights on Employment and Entrepreneurship). It was a breath of fresh air. I haven't been actively participating in these events for quite a while... and boy... that was really refreshing and empowering. I was going around the venue... taking photos and video clips... but my mind was working double time trying to digest "intelligent" ideas and advices that are "experience" based. 
I was definitely at the right place place at the right time. For foodies like me, that was more than a buffet of ideas. 
As we plan for our future... i realized so many things. HOPEFULLY I'D BE ABLE TO SUM IT UP IN MY UPCOMING BLOG POST.

Please watchout for it www.bestlifeqatar.com

Big shoutout to the entire #MADTALKSQATAR team! Congrats for pulling off a FULL HOUSE event. And thank you for inviting me. Checkout my instastories for some of the highlights. 
Other SIDE EVENTS are scheduled on October 19 and 20 at #CrownePlazaDohaTheBusinessPark (6:30pm to 10pm). For more details, please contact MADTalks on Facebook. (About the cover photo... hmm minsan nilalaban nalang mamaintain lang ang feed). But definitely... this is the ULTIMATE PEG... always believing to #liveyourbestlife by working hard today, saving for the future, while enjoying time and creating beautiful memories with the people who matter the most in our lives.

#moneytalksqatar2019 #randelltiongson #overseasfilipinoinvestorsandentrepreursmovement #ofiem #financialliteracy #advocacy #financialplanning #agribusiness #retirement #planforthefuture #filipinoexpatsinqatar #qatardaddyblogger #qatarpinoyblogger #bestlifeqatar
  • I HAD A BLAST listening to the powerful and very inspiring speakers of MONEY TALKS QATAR 2019 (October 18 - @crowneplazadohabp). Opened by a very insightful PHILIPPINE MARKET OUTLOOK by The @randelltiongson, followed by 2 equally inspiring and thought-provoking talks (my new favorites😉) from Mr. #DodongCacanando (Agripreneur and Business Stewardship), to Sir #RexMendoza (Wisdom and Insights on Employment and Entrepreneurship). It was a breath of fresh air. I haven't been actively participating in these events for quite a while... and boy... that was really refreshing and empowering. I was going around the venue... taking photos and video clips... but my mind was working double time trying to digest "intelligent" ideas and advices that are "experience" based.
    I was definitely at the right place place at the right time. For foodies like me, that was more than a buffet of ideas.
    As we plan for our future... i realized so many things. HOPEFULLY I'D BE ABLE TO SUM IT UP IN MY UPCOMING BLOG POST.

    Please watchout for it www.bestlifeqatar.com

    Big shoutout to the entire #MADTALKSQATAR team! Congrats for pulling off a FULL HOUSE event. And thank you for inviting me. Checkout my instastories for some of the highlights.
    Other SIDE EVENTS are scheduled on October 19 and 20 at #CrownePlazaDohaTheBusinessPark (6:30pm to 10pm). For more details, please contact MADTalks on Facebook. (About the cover photo... hmm minsan nilalaban nalang mamaintain lang ang feed). But definitely... this is the ULTIMATE PEG... always believing to #liveyourbestlife by working hard today, saving for the future, while enjoying time and creating beautiful memories with the people who matter the most in our lives.

    #moneytalksqatar2019 #randelltiongson #overseasfilipinoinvestorsandentrepreursmovement #ofiem #financialliteracy #advocacy #financialplanning #agribusiness #retirement #planforthefuture #filipinoexpatsinqatar #qatardaddyblogger #qatarpinoyblogger #bestlifeqatar
  • 25 1 4 hours ago
  • Sign me up!
  • Sign me up!
  • 5 1 4 hours ago
  • I’m rebellious at heart. If you try to tell me what to do, I’ll turn around and do the opposite. I have to find my own way of doing things. I also feel trapped and antsy when I do the same thing day-in and day-out. So, I’ve been noticing myself eating out for lunch one week and then packing my lunch for the next week. I honestly just like the freedom and variety to choose. The week before payday I have been looking at my budget and figuring out my average of what I can spend a day in order to stay within budget. It’s been working for me so far even though it’s not the traditional way to budget! Just offering an alternative to those that are also rebellious 😉 #debtfreecommunity
  • I’m rebellious at heart. If you try to tell me what to do, I’ll turn around and do the opposite. I have to find my own way of doing things. I also feel trapped and antsy when I do the same thing day-in and day-out. So, I’ve been noticing myself eating out for lunch one week and then packing my lunch for the next week. I honestly just like the freedom and variety to choose. The week before payday I have been looking at my budget and figuring out my average of what I can spend a day in order to stay within budget. It’s been working for me so far even though it’s not the traditional way to budget! Just offering an alternative to those that are also rebellious 😉 #debtfreecommunity
  • 5 1 5 hours ago
  • PU Syndicate passes Rs.564 cr budget.  Panjab University Syndicate in its meeting finalized various decisions including, the passing budget of Rs.564cr and fixing the retirement age of Principals to 60. .
.
Now, no one from education college will be put up as principal of any degree college under PU. Keeping in view the UGC and AICTE norms a new committee will look into this matter and will choose another criteria for appointment of principal in degree colleges.

Syndicate also discussed about the extension given to PhD student for thesis and finally took the decision to limit the time to maximum of eight years. Syndicate also approved an MoU between PU and ICMR Centre for Innovation and Bio Design (CIBioD), PGIMER for research in affordable medicine, medical devices and health care services. 
By :  Harleen Singh

#panjabuniversity #syndicate #budget #retirement #education #college #aicte #ugc #phdthesis #phd #innovation #biodesign #pgimer #healthcare #medicine #research #chandigarh #pupulse
  • PU Syndicate passes Rs.564 cr budget. Panjab University Syndicate in its meeting finalized various decisions including, the passing budget of Rs.564cr and fixing the retirement age of Principals to 60. .
    .
    Now, no one from education college will be put up as principal of any degree college under PU. Keeping in view the UGC and AICTE norms a new committee will look into this matter and will choose another criteria for appointment of principal in degree colleges.

    Syndicate also discussed about the extension given to PhD student for thesis and finally took the decision to limit the time to maximum of eight years. Syndicate also approved an MoU between PU and ICMR Centre for Innovation and Bio Design (CIBioD), PGIMER for research in affordable medicine, medical devices and health care services.
    By : Harleen Singh

    #panjabuniversity #syndicate #budget #retirement #education #college #aicte #ugc #phdthesis #phd #innovation #biodesign #pgimer #healthcare #medicine #research #chandigarh #pupulse
  • 202 0 5 hours ago
  • Money Fact Friday’s:

Let me ask you a million dollar question: if you had a million dollars in your 401k, what is your tax bracket? Do you know? The majority of the people I have spoken to have no clue and yet they invest in a product where they have no clue how it works. Their HR or employer advices them to invest in it for their own benefit but who is it really benefiting? 
Every year taxes increase and in 2026 instead of being 22% for making more than $39k annually at your job you will be deducted 26% from your annual income. So with that said, if your 401k is a deferred qualified plan where you pay taxes on it later, who’s retirement are you actually funding? Yours or the government? 
The government will always find a way to get to your money. So if you looking for something better, add another retirement vehicle to your financial portfolio or just like to know what other options are out there and see what you can do, feel free to DM me. Hope this helps and don’t be left out. #wealthmanagement #retirement #taxes #finance #iamwfg #nofamilyleftbehind #financialliteracy #financialfreedom
  • Money Fact Friday’s:

    Let me ask you a million dollar question: if you had a million dollars in your 401k, what is your tax bracket? Do you know? The majority of the people I have spoken to have no clue and yet they invest in a product where they have no clue how it works. Their HR or employer advices them to invest in it for their own benefit but who is it really benefiting?
    Every year taxes increase and in 2026 instead of being 22% for making more than $39k annually at your job you will be deducted 26% from your annual income. So with that said, if your 401k is a deferred qualified plan where you pay taxes on it later, who’s retirement are you actually funding? Yours or the government?
    The government will always find a way to get to your money. So if you looking for something better, add another retirement vehicle to your financial portfolio or just like to know what other options are out there and see what you can do, feel free to DM me. Hope this helps and don’t be left out. #wealthmanagement #retirement #taxes #finance #iamwfg #nofamilyleftbehind #financialliteracy #financialfreedom
  • 3 2 5 hours ago
  • 4th Quarter Southern Cal kickoff meeting held in Orange County. This time @maegan_tha_savage was awarded the Championship Belt for helping all of the #teachers and other school district staff that she helped throughout the 3rd quarter. Was pretty dang cool seeing a woman kick butt!! We’ll see who wins it next time!  #AppreciationFinancial
  • 4th Quarter Southern Cal kickoff meeting held in Orange County. This time @maegan_tha_savage was awarded the Championship Belt for helping all of the #teachers and other school district staff that she helped throughout the 3rd quarter. Was pretty dang cool seeing a woman kick butt!! We’ll see who wins it next time! #AppreciationFinancial
  • 11 1 18 hours ago