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Meaningful, one page website
Love is important, yet money is also very important to me!
This page is for people who are honest about money.
About
Money is very important to me and my family. We also know that we need to save for retirement.
I created this site to discuss financial literacy. Financial literacy is an essential skill for anybody who understands that money is a fundamental part of living without anxiety and comfortably.
It is an important part of life and needs to be taken seriously and managed well. This site will help you grow your money faster
and more efficiently.
Now, onto the main topic.
How many of the following statements describe you?
◇ Money is important and I need more.
◇ I take saving money for the future seriously.
◇ I might live longer than I planned.
◇ I don't want my children to have a financial crisis.
◇ I mainly save money in my bank accounts.
◇ I don't want to risk losing money.
◇ I want a side job without resigning my current job.
◇ I am getting close to 60, but I still have money in a 401k (403b).
◇ I am worried about getting dementia or another chronic illness where I will
need long term care.
◇ Losing income due to physical impairments could happen to me.
◇ I am single and don’t need to worry about money for dependents.
◇ I am unhappy with my job. I want to retire as soon as I can.
◇ I should take advantage of being healthy while I am healthy.
I think everyone can relate to some of the above statements. I think its pretty normal. It is ideal for many of us to live a life with no worries about money. We want a comfortable and happy life for ourselves and our families. Even as time passes and we grow old, we want to live in peace without needing to worry about running out of money.
I set-up this "one page website" to help people who meet any of the above criteria to efficiently increase their savings and assets. It can lead you to a financially comfortable and independent lifestyle. This page is your first step to financial literacy!
Unfortunately, in America, many people are unable to improve their financial situation significantly during their lifetime.
Even though we all work hard, our income doesn't increase and it is often barely enough for us to survive from paycheck to paycheck. Bills, and living expenses continue to increase leaving us nothing to save for the future. On top of that, taxes take away a big chunk of our hard-earned money.
Every year, time passes by, and we all grow old as we struggle with money. Then we realize to late that we are at retirement unprepared without enough savings to survive.
Currently, in California, a person needs at least $2 million in assets in order to live comfortably for 20 years after retirement.
Most people won't be able to cover this amount with their 401k or Social Security alone. How can you save this staggering amount in the years leading up to retirement?
Even if you start saving $500 every month for 25 straight years, it only adds up to $150,000. If you retire with that, you will run out of money within the first two years.
Although it is possible for you to keep up with daily expenses while you have a job, if you are not being able to save enough money for retirement, that means you are simply using up the money you will need in your future.
Thinking about this reality, I easily get depressed. I was refusing to face my future financial situation until a few years ago. I was living with major anxiety.
Then I realized which is so obvious
I realized that saving money in a bank wouldn’t help me catch up with the amount I needed for my retirement!
I realized too late that I needed to start additional effective methods now or I am doomed!
In my case, even if I could work for another 25 years, in order to save $2 million, I would need to save $80,000 a year. There's no way I could pay my current living expenses and save $80,000 a year on top of that.
You can increase savings by cutting back on expenses, but there are limits to that.
It would be a different story if my boss listened to my request and increased my salary by five times from tomorrow, but that would be as difficult as winning the lottery!
Even after thinking about it, I didn't know what to do or where to start. I asked people who have been able to save money teach me how they do it. That was a few years ago.
Of course, saving money isn't a magic trick, right? Therefore, if you want to greatly increase your savings while minimizing risk, you cannot make it happen in a short period of time.
It is common sense for people who have large savings or who become wealthy over time to make good use of the "power of compound interest" and to "let money make money."
It is important to incorporate the power of compound interest into your financial environment, so that your money will continue to work tirelessly and steadily increase your savings even while you are sleeping, eating, showering, or enjoying your hobbies.
That is why the "Power of compound interest" is essential.
The amount you save each month and the number of years you save are the same. However, the amount you own after 25 years is very different. Don't you think there is no reason why not to actively take advantage of compound interest if the risk is extremely low?
This is what I learned first :
This is a comparison chart of how much you would own if you saved $500 every month for 25 years.
In a piggy bank with no interest = $150,000
Bank account with compound interest of 2% = $192,180
Investment account with compound interest of 8% = $438,640
There are many options for efficiently increasing your money using the power of compound interest, but one thing they all have in common is that it's important to start as early as possible.
For example, babies and small children still have a lot of time to live, so if parents start saving small amounts from the time they are born, they will not have to worry about money by the time they are adults. This is an example of having "TIME" on your side as an ally.
On the other hand, if you postpone saving until later, the time needed for your money to grow will decrease, and the investment conditions will become more disadvantageous. This is like making "TIME" your worst enemy.
No matter how small it is, start right away with what you can do today! We "California state certified life & health agents" are here to help you!
After I learned about how to save, I took the California exam to become a state-certified life and health agent! As I gained knowledge, I wanted to share it with others so that more people could save more effectively for the future at their own pace.
“Time is money” is an overused phrase, right? But in the world of finance, which takes full advantage of the power of compound interest, the amount of money you can gain is proportional to the time left in your life. The longer you put off starting to save, the less money will grow and your savings will disappear. So, literally, you can say "TIME IS MONEY".
This "The most valuable one-page site in your life" offers an opportunity for you to stop for a moment in your busy life, realize what you must start now for yourself and your family, and start taking action.
We will advise you on how to incorporate the power of compound interest safely and efficiently into your own financial environment and planning. Also, we will teach you how to reduce risk and accelerate your savings. We advise on investments that will not incur taxes or defer taxes on the amount of savings you increase through compound interest. Of course, we will also help you with financial plans and reviews. (Free of charge)
Let's learn what you can start and start from that now.
Please feel free to contact us using the form below!
Ashley Ogikubo
Agent License ID# 4313128
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