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Video instructions and help with filling out and completing sep ira irs 5305
Yeah folks we've been doing some research on retirement and everybody's always talking about the rate of return is important when you retire right of return rate of return how much are you making on your mutual fund how much you're making on your your bank IRA how much do you make what is your interest rate what's your rate of return what's your rate of return what's your rate of return and you know it matters a lot whether you get ten or ten and a half or it matters a lot whether you get 11 or whether you do a inflation adjusted or inflation and expense adjusted calculations and all this you know all these nerds in my business world and my lot in my space in the financial space and meats be included when I was a young guy we spent an inordinate amount of time money and brainpower wearing our little nerd calculators out over a tenth of a point here or there and you know what we're actually finding now in the current research the best research that's being done in the retirement space right now you know what the number one factor about whether you retire with dignity and have enough money to retire is it is not the rate of return it is not whether it's tax-free or tax deferred it is not whether it's a 401k or a Roth 401k it's not whether it's a traditional IRA or Roth IRA it's not whether you do use a 457 or whether you use an annuity it's not the type of product it's not the return it's not the tax position of it none of that is the main indicator of whether you retire with money in your account to retire on you know what the main indicator is you have to put money in the account that's the biggest problem all of this big media TV media need to be about the interest rates and all this crap about these financial products and all these supposed financial experts with their freaking theories nobody puts money in their account failure to contribute is the number one reason people don't have any freaking money in their retirement account it's not that they did it wrong it's that they didn't do it at all because the financial world has looked at them and told them they're doing it wrong and they're so scared and they're all god I'm going to mess this up and I'm afraid my whole life agent and my mutual fund broker and my broker and I read money magazine and I listen to some moron on Good Morning America and I watch this and I watch Fox Business and everybody's got a dadgum opinion and I don't know what I'm going to do so you know what I'm going to do nothing that's the problem you don't put any money in your account you don't have any money that's what the.