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You are here: Home / Archives for investing

investing

Why 401K’s Are A Bad Idea

September 28, 2020 By Cade Hildreth 7 Comments

Why is a 401(k) a bad idea? Why don’t rich people use them? And seriously, are they worthy of being called a scam?

There’s more than a few reasons that I think 401(k)s are a bad idea, including that you give up control of your money, have extremely limited investment options, can’t access your funds until your 59.5 or older, are not paid income distributions on your investments, and don’t benefit from them during the most expensive period of your life (child-rearing years).

Did I also mention that your 401k account value may plummet—it happened in 2008 and is happening again now with the Coronavirus pandemic.

Oh, and you won’t be able to deploy funds into high return investments like real estate.

Plus, you’ll have to pay hefty fees to the folks on Wall Street. Yes, they’ll collect between 1-3% in fees from you every single year. That will be an estimated $138,336 over your lifetime. Yikes.

Don’t forget to add inflation on top of that too. Inflation will eat away another 2-3% of your gains every single year. So, until you make at least a 6% return, you sadly haven’t made much headway beyond paying off your 401k management fees and keeping pace with inflation.

Then, there’s the dire fact that your 401k withdrawals will get taxed as ordinary income, making them subject to state and federal taxes at the time of your retirement.

Today, the highest federal tax rate is only 37%, but it has floated as high as 94% (1944). There were also three decades (1950s, 1960s, and 1970s) where the federal tax rate never dipped below 70%.

Do you really want to roll the dice on what tax rate you’ll pay at retirement when today’s rates are some of the lowest in the past 100 years? 

That list is just the tip of the iceberg for why 401(k)’s are a terrible tool for wealth building and almost never used by the wealthy as a strategy for financial expansion. [Read more…] about Why 401K’s Are A Bad Idea

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Filed Under: Finance, Investing Tagged With: investing

How to Get Cash Flow From Investing Activities

September 15, 2020 By Cade Hildreth Leave a Comment

With the Coronavirus outbreaks surging (and our salaries at risk), we all need to learn about how to replace some or all of our income with cash flow from investing activities.

Adding income from passive investments can help you to create multiple flows of income so that you’re not reliant on one company or client.

Without a doubt, diversified streams of income are key to weathering any economic crisis.

Before we dive in, let’s explore the differences, and risks, between speculating and investing. This will position you to make wise financial investments. [Read more…] about How to Get Cash Flow From Investing Activities

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Filed Under: Finance Tagged With: investing

How to Get Started in Real Estate: The Ultimate Guide

October 10, 2019 By Cade Hildreth 1 Comment

Have you ever driven down the road looking at the homes, apartments, or projects under development and asked yourself how to get started in real estate? If so, you’ve come to the right place, because real estate investing represents an compelling opportunity for wealth building. 

Learning how to invest in real estate will:

  • Produce monthly cash flow
  • Increase your net worth through debt pay down and price appreciation (increases in the property value)
  • Give you insane tax benefits (mortgage interest write-offs, depreciation deductions, etc.)
  • Provide you with protection against inflation
  • Allow you to utilize leverage, which can further accelerate your returns [Read more…] about How to Get Started in Real Estate: The Ultimate Guide
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Filed Under: Real Estate Tagged With: investing, real estate

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Cade Hildreth“As an LGBTQ+ entrepreneur, real estate investor, former USA Rugby Player, and fitness fanatic, I’ll teach you what your parents and teachers should’ve taught you, but didn’t know themselves.” -Cade Hildreth

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🥦🧅 10 Reasons to 10X Your Veggies! 🥕🥬 🥦🧅 10 Reasons to 10X Your Veggies! 🥕🥬The number one diet (and physique) mistake that I see folks make is not eating enough VEGETABLES.Why is this? The main reasons are that they’re low fat, low calorie, high fiber foods that will keep you FULL and promote healthy food decisions.In this photo, I’m holding approximately ONE day’s worth of veggies, so if you’re not filling up your plate, then I’d encourage you to start!Below are 10 reasons to 10X your veggies:1. They’re low in fat
2. They’re low in calories
3. They’re high in dietary fiber (calorically, “fiber is free”!)
4. They prevent overeating
5. They promote satiety (fullness)
6. None have cholesterol
7. They’re rich in nutrients, including potassium, folate, vitamin A, and vitamin C.
8. They lower the risk of heart disease and stroke.
9. They protect against certain kinds of cancers.
10. They promote weight control (which is why they’re loved by body builders)!What’s your favorite veggie and/or way to prep it? Let me know below.
⬇️
Hardwork WILL pay off...if you stay patient and tr Hardwork WILL pay off...if you stay patient and trust the process! 👍💯📷: @nutritionculture
Confidence is the most beautiful thing you can pos Confidence is the most beautiful thing you can possess.
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Share a “💯” below if you’ve found this to be true. 🔥
⚠️Here’s what you can do to support nonbinar ⚠️Here’s what you can do to support nonbinary folks:1) Share your pronouns and ask what ones they use.2) Use the name (or nickname) they prefer.3) Ask questions about their identity in a caring and authentic way.4) Communicate that you support their gender identity.5) Spend time with them in non-gendered spaces.6) Patron places with gender-neutral washrooms.7) Allow them the freedom to explore and evolve their identity over time.8) Donate your time or money to organizations that support nonbinary people (for example, LGBTQ+ charities).What else would you add to this list? Share your favorite suggestion above or your own below... ⬇️
For your diet reference! 😊
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Photo by: @marcinevin
👀 Want a new variation for your cardio?👀 . T 👀 Want a new variation for your cardio?👀
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Try mixing this one in! It’ll work your legs, core and upper body, at the same time.🔥
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Want a specific workout to use it in? 🤔
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Here’s one you can do that is scientifically proven to increase anaerobic and aerobic capacities, plus burn fat:Perform 20 sec of these “bench hop overs” followed by 10 sec of rest. Repeat this 8 times. This will take a TOTAL of 4 minutes.
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This is called a Tabata.
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A Tabata is high-intensity interval training that consists of 8 sets of fast-paced exercises each performed for 20 seconds, interspersed with a rest of 10 seconds.
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Popularized by Dr Tabata, training method has been widely studied and is one of the most effective ways to improve your VO2 (the max oxygen you can utilize during exercise) and get fit in VERY little time.
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Will you give it a try?
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.#lgbt #lgbtq #lgbtqia #lgbtpride #lgbtqpride #lgbtcommunity #lgbtqcommunity #lgbtsupport #queer #queerpride #nonbinary #genderfluid #genderqueer #gender #gays #lesbians #trans #transgen #tomboy #tomboys #androgynous #ftm #tomboylife #genderneutral #theythem
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