Rich Habits Podcast - Q&A: Should I Buy an Investment Property, YieldMax ETFs, & Investing in My 70s

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Starting point is 00:00:56 Find your advisor at IG Private Wealth.com. Hey everyone and welcome back to the Rich Habits Podcast, a top 10 business podcast on Spotify. This episode is our Q&A edition, which means we take your questions on Instagram and via email at Rich Habitspodcast.git's at gmail.com and we answer them as if we were in your shoes. Before we jump into the episode, in one week, Robert, we are hosting our pre-IPO in Angel Investing Live stream. We have over 600 people already signed up. We can only hold a thousand people. during the stream because that's just how big you can do it so if you have not yet signed up you need to do it because there are hundreds of people I'm talking

Starting point is 00:01:38 hundreds of people that come out of the woodwork in the last 20 30 minutes before the stream and people get booted off and they can't join and they get all upset so save your seat there's a link in the show notes below you guys are gonna love it we're gonna be talking about investing into these pre-IPO companies namely these massive multi-billion dollar businesses all across the different types of secular growth trends and how Robert and I have done that over the years, as well as the angel investments, right? The smaller companies, the small privately held companies like XAI, which was one that Robert had

Starting point is 00:02:09 the opportunity to invest into recently. I think we all might have heard of that one. There's also been Apptronic, a really cool robotics company we both invested into. There's a ton of companies that come across our desk. And at the end of the day, we want to begin sharing those opportunities with our listeners, the ones that can afford to invest in these opportunities. So we'll show you how to do that. We'll show you how to invest alongside of us. join us at this webinar. It's going to be a lot of fun.

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Starting point is 00:04:36 All right, Robert, let's jump into the episode. Our first question is coming from Carson O. Carson says, hey, Austin and Robert, I love the podcast, and I've listened to every episode on the day it came out since episode 12. I also really enjoy the newsletter every Thursday. My wife and I are 23, and I have $15,000 in our T-Bill account as an emergency fund. We also have around $10,000 save for a new car. Both of the cars are working just fine, but we will want to upgrade once we start to have kids in the next three or four years.

Starting point is 00:05:06 Should we keep the $10,000 in the T-bills or put it somewhere that might pay better? Carson, thank you so much for listening to the podcast. In our opinion, and we've talked about this not just for saving for a new car, but also saving for a down payment on a house, saving for any big, big purchase, $10, $20, $30,000, $50,000, and that purchase is $3,000, $3,000, $3,000. four, five years away, it's always a good idea to park that money in the markets. And we're not saying throw it into single stocks and buy Tesla with it. What we're saying is put half of it in maybe VTI, which is a total stock market index fund from Vanguard, or maybe put half of it in VOO, which is the S&P 500, or put a little bit of it into NASDAQ or put a little bit of it in SPYI. But put this money in the

Starting point is 00:05:49 markets so that over the next three, four, five years, it can grow at that eight, 10, 12, maybe be 15% depending on what the markets are going to do. But just be weary that if you do know that you want to, you know, buy this large purchase in the next three, six, nine months to begin scaling some of that money out of the markets anticipating this big purchase coming up so that, you know, we don't have a crazy seven or 10% crash over a three week period. That might wipe out your 10, 20, 30 and savings and, you know, pull it down by two, three, four thousand dollars in a quick period at time. Yeah, I couldn't agree more, Carson. I think you have too much sitting on the sidelines. I like that you have the T-bills as an emergency fund, but then I feel like the extra 10,000 is like having

Starting point is 00:06:32 two emergency funds and you don't need it. So I agree with Austin. I would get it in the markets, get it making money because if you can make 10, 12, 14% a year over year in the next two, three years while you're waiting to do so, then that is just extra money you're going to have later on rather than kind of sitting on the sidelines a little bit and waiting. So Austin, I think you covered it great. And I think that is the best strategy to get that money working while you're waiting to make that next move. And tactically speaking, right, do not put this 10,000 savings in your Roth IRA. Do not put it into some sort of retirement account that's got one of these sort of penalty restrictions around it.

Starting point is 00:07:10 You should just open an account on public, put it inside of public's platform, and then deploy 5,000 of it into VTI and 5,000. in V-O-O and see you guys later in four years, right? That's how you should be thinking about this, because it's a normal brokerage account. You will pay taxes on the profits, but like, congrats, you've made a profit, you know? I love it. So our next question comes from Braulio P. Braille says, is the SPY and SPYEFs the same? If not, what's the difference and where should I invest either of them in retirement? Okay, Brailleo, good question. S-PY is the ticker of the S&P 500 ETF, right? That is a very popular S&P 500 ETF. As you guys know, there's more than one. The most popular are SPY, V-O-O, and IVV. Those are the three most popular ETFs by assets under

Starting point is 00:08:04 management. Robert and I like V-O-O. It's a very cheap ETF to track the index of the S&P-500, and it is just super simple, right? But SPY is the exact same thing. SPYI is a very cheap. S-P-Y-I is a very cheap. completely different. SPYI invests in the S&P 500, right? But what they do is their managers sell covered calls against their investment, allowing them to generate income for their investors instead of price appreciation. So you might see some price appreciation with SPYI, but you're not going to see nearly the same amount of price appreciation that you would see with SPY, right? or let's just say IVV or VO, right? As we know back in 2023, the S&P 500 index from a price appreciation standpoint went up by 18%.

Starting point is 00:08:55 So SPY or VOO where IVV's price went up 18%. SPYI, the I stands for income, is different in the sense that it focuses on income and delivered over 12.5% yield of income to its investors in 2023. And so if you're looking to invest into an income-focused S&P-500 index fund, SPYI is the way to go. And if you want that income to be paid to you every single month, that's the ETF for you. If you do not want income and you instead prefer price appreciation or at the actual price of the ETF going up versus the income paid to you, then SPY or V-O-O-O-O-O-I would be the way to do it.

Starting point is 00:09:38 Now, I do both. I like the income with SPYI. I like the income of QQQI, an IWMI. I do like this income because I can redeploy it and spend it or do whatever I want with it. Now, the question is the retirement accounts. If you are getting paid SPY monthly income, the whole purpose of getting this income paid to you so you can do stuff with it. But if it's in a Roth IRA, an account that you can't take money out of until you're in retirement,

Starting point is 00:10:04 then it's not a good use of funds, right? So if you do invest in SPYI, I recommend to invest to invest. into it through just a normal brokerage account like public.com. And if you do put it in a retirement account, it's because you want to redeploy that income back into some of these other funds we talk about. I love it. And that was the best breakdown I've ever heard of the difference between these income focused SPYIs and the SPY version of it. So that was a great breakdown and a great question. I love that. Yeah, really great question. And I hope that cleared up a little bit, not just for Brailleo but for everyone else listening.

Starting point is 00:10:41 Our next question comes from Alex Jay. Alex says, I just turned 20 and I'm going into my junior year of college at Central Michigan. I'm majoring in personal finance planning. I have a core portfolio on E-Trade with about $17,500, as well as a high-yield savings on E-trade with $14,300. I have $250 recurring transfer from my high-yield savings to my core portfolio every week, which comes out to $1,000 a month. The only debt I have right now is $2,500 in student loans.

Starting point is 00:11:13 I currently do not have a Roth IRA, but I plan on opening one soon. Now, here's the deal. I've been looking for a property to purchase to rent out, but I don't know if that's the best idea for me right now at this moment. Do you guys have any suggestions or advice for what I should do next for investing? Robert, I'm going to let you take this one. Yeah, Alex, I'm going to rip a little bit on you. It's awesome that you're 20 years old and you're thinking,

Starting point is 00:11:37 in such complex manners for your investment strategies. I love it. Kudos to you. It's amazing. I wish more people under 25 would think like you are and really get into the game like you are, but you're not going to invest in real estate yet. And here's why. We always talk about building your base. You don't have your base built. You do not have a strong foundation. And it's too risky to go out and take everything that you've already done and put it towards one property. because if you're wrong or it's problematic or you find trouble finding a tenant or whatever can go wrong in real estate, then you are back in this zero base again. And I think it is just really smart of you to stay on the track, open the Roth IRA the

Starting point is 00:12:21 minute you're done listening to this episode, get as much money in there as you can, get it maxed out this year if you can and build that base to the 100K. Because once you get the 100K built and making you money while you sleep, then you can start diversifying and thinking about real estate. But for now, you don't have the base, and I don't want to see you ruin it by starting over and not getting there first. I couldn't have said it better myself. And just kind of tactically speaking here, Alex, right? So you've got 17.5 in this e-trade account.

Starting point is 00:12:52 I would open the Roth IRA. I would take part of that 17-5. I have no idea what it's invested into, but let's assume it's invested into the ETFs and index funds we talk about. I'd sell them, right, turn it to cash, and then use that cash as my, initial deposit into my Roth IRA, $7,000, I'd drop it in on day one, and then I'd redeploy it back into these index funds and ETFs we talk about, V-O-O-V-G-T, QQQQ, V-T-I-R-P, or even MOT. And then you're talking about moving $1,000 a month out of your high-yield savings into this investment account. Why? Is it because you have too much in savings? Is it because you're trying

Starting point is 00:13:29 a dollar cost average? I don't know what your sort of ideology, you know, is going on here. If you do think you have too much in savings, then just like figure out what that number is. Maybe it's $10,000. Maybe it's $8,000. Maybe it's $12,000. I don't know what it is for you. But make sure it's three to six months of expenses. Of course, you're in college. I get that. So maybe it's a little bit less. But I would do all I can to definitely max out the Roth IRA in 2024. Make sure it's invested in the right funds. And then, yeah, dude, there's no way that I would buy a rental property at 20 years old with interest rates at 7.5.8%. You probably have little. little to no credit. You've never been a landlord before and you have no base built. Like, this is a recipe for disaster. Don't get me wrong. We think everyone should have an own real estate in a well diversified portfolio, but only after, especially rental real estate, right? If you're trying to,

Starting point is 00:14:17 you know, buy an investment property, do that after you've built your base. Because what Robert was saying, I mean, what if you took all 17,500 of this as a down payment on a duplex? And then three weeks later, what happened to our executive producer might have happened to you and you realize the pipes underneath your front yard need to be replaced and you now are out $10,000. But you don't have that money. He did because he's financially fit. But maybe you don't. So you have to go into credit card debt.

Starting point is 00:14:41 Right. And so all these bad things can happen that could be unforeseen when it comes to real estate. And you're in no shape or form to afford them until you have that $100,000 base built. Yeah, I agree. And Alex, trust me, I've seen friend after friend after friend in their 20s and 30s. Save, save, save for three, four years. get everything together to buy the house.

Starting point is 00:15:03 They buy the house. Then they forget about all the upkeep and the dishwashers that go bad and the roofs that need replaced. And it's a vicious cycle because they spent three years saving to buy the house to buy that initial property.

Starting point is 00:15:15 Then they're what's called house broke. They're in the house. It feels good. You own a home. But the problem is then you have to spend three or four more years building back up the money to be able to start investing.

Starting point is 00:15:26 That's why we want you to have the base built first because if you get that $100,000, thousand dollar base built. You're making 10, 12, 14,000 dollars a year off of that while you sleep, then you start diversifying. It's so, so important. Great question, Alex, and great response from Austin. So the dishwasher broke, I feel attacked. You remember my dishwasher broke a couple months ago? It was definitely your dishwasher that I was talking about. Yeah, I think it was like six or 700 bucks. That was so annoying. Yeah, homeownership, y'all. That's it. Okay. Next question's from Cody W. Cody says, do you guys know anything about these yield mass?

Starting point is 00:16:01 ETFs and their dividend products. In my case, specifically, I'm trying to better understand TSLY, but I think they use covered call option strategies on Nvidia, Amazon, Tesla, and a bunch of these other single stocks. What's your all's take on this? Good question, Cody. So you're right. There is a company out there called, oh yeah, Robert's got it pulled up here on his phone. So there's a company out there called Yield Max, and they do what their name is. They maximize yield, but at what cost, right? So you all need to look and see what the price of these ETFs have done since inception. You can look at Tesla, you can look at Nvidia, you could look at Amazon, you could look at Coinbase. I think they probably have an Apple one, maybe a Google one.

Starting point is 00:16:45 They got a bunch of them. But essentially what you're doing, Cody, and what these yield max ETFs do, is they sacrifice price for yield. So let's say the shares of the Tesla ones are trading at $100 a share. And six months later, they're trading at $50 a share. So a 50% drawdown in price. So as an investor, the only way in the world that that would make sense is to get paid a 50% yield on your investment because then you'd be like net zero, right? But sometimes that doesn't happen. And so despite getting paid a lot of yield, it still doesn't make up for the price depreciation that these ETFs might incur. So do I have the ETFs my portfolio? No. If you're a yield person and you want the price depreciation and trading that for yield, I don't know why you wouldn't just sell the stock

Starting point is 00:17:37 and use that for yield, but you know, more power to you. And if you're into that, do you, whatever you want to do, it's your money. But for 99.9% of you listening, you can completely ignore these ETFs. I think it's one of those things, Robert. It goes back to our episode that came out on Monday, which are like, you know, ignore the CNBC, Yahoo Finance, Schwab Network chatter, right? You know, I'm sure someone from Yield Max probably went on one of these websites and was talking about all the yield you can get. And then some people on Reddit and Twitter started talking about it. And now Cody's like, wait, what's going on? Do I need this? I feel FOMO, right? So I appreciate the question. And we're the experts here to answer your questions. But the expert answer is probably a good

Starting point is 00:18:17 idea to stay away. I love income and it's not in my portfolio. Yeah, I agree. When I look at TSLY and I get asked about it every day, all I see is that negative 55% for the year and there's plenty of better places to put my money. So I don't touch yield max. I tell everybody that'll listen not to touch yield max. And it all comes down to keep it simple stupid. You don't have to have all these crazy cockamamie schemes of how to get the most yield for your money. It's much easier than that to build wealth. and a lot less risky in my opinion. So I would stay away from TSly, plenty of better places that we talk about on every episode to put your money and just keep it simple.

Starting point is 00:18:56 Yeah, there's just a lot of hidden dangers when it comes to kind of chasing yield like this. And I think one of the big dangers that people forget about are the taxes, right? They see that, you know, $1,000 deposit in their brokerage account because they own this. Like, wait, that was kind of cool. Like, this is great. And then they, like, go spend it or go invest or do something later. But, like, your tax is ordinary income on that money. So, Cody, if you do end up using any of their funds, just make sure you're putting, you know, 20, 25% of that aside for taxes because it's like ordinary income.

Starting point is 00:19:24 It's like getting paid from a job or something. Our next question comes from Mike W. Mike says, hello, Robert Nosson. I've got parents in their 70s and they're rolling an annuity into an IRA. I'm wondering what would be some good index funds or ETFs that are not too risky, but also not too conservative either for them to invest in considering their age? It's a good question. So if you're in your 70s, you're sort of in this wealth preservation side of your investing career, right? I feel like at their age, I would probably go with, you know, the traditional 60, 40 portfolio,

Starting point is 00:19:59 which goes back to the idea of having 40% of your portfolio invested into fixed income bonds, a lot of the stability they might be looking for, as well as 60% invested into equities, right? The stock market, the ETFs, the index funds, we talk about. out. So maybe Mike, there's a world where 40% gets put into a CSAHI, a BND, a TLT, right, some of these very popular bond, high income, fixed income ETFs that do not go up or down in value. They just spit out money to the portfolio. And then the other 60% could be invested into VTI, maybe RSP, Mote, right? I'm thinking of awesome ETFs that people should want in their portfolios, but don't have the overwadingness. of the big tech mega caps that we're seeing right now.

Starting point is 00:20:47 I agree. I think that's a good blend and a good waiting. I like moat just because over the past five years, it's returned 83.5% over five years. I like that. And so I think Austin really broke it down well. And those are great vehicles that I would use. Because again, being in their 70s, you want the preservation, but you still want to see growth. And I think that's a good balance to achieve that. Best luck, Mike. And as always, this is not financial advice. These are just our opinions. We're two guys on the internet sharing our perspectives.

Starting point is 00:21:18 Now, before we jump into Brett's question, I got to let you all know that at public.com, you can earn 5.1% APY with a high-yield cash account. There are no fees, no minimums, just an industry-leading 5.1% APY on your cash. And with up to $5 million of FDIC insurance, your money is secure. Go to public.com and start earning 5.1% APY

Starting point is 00:21:41 straight up with no strings attached. It's an industry leading interest rate with no fees, period. Public.com. This is a paid endorsement for public investing, 5.1% APY as of June 17, 2024 in a subject to change. Full disclosures in the podcast description. And Robert, the reason they have to say in that disclosure subject to change goes back to the idea of the Fed Cutting Rates. We know from last week's episode that the Fed Cutting Rates is going to impact the bond yields and the high yield savings. So just be careful about that, guys.

Starting point is 00:22:11 I know we've answered a couple questions about it so far. but if you are someone with 30, 40, 50, 60,000 in a high-yield savings and you are used to that money coming in every month, it's going to start to dwindle down just a little bit over time. So just be prepared. And that's why it's so important for everyone that follows along that's in our newsletter, that's in the Rich Habits Network. It's just so important to have that active information and that active management. So many people that have financial advisors, it's a set it and forget it mentality. and that's why we really discourage you from having those target date funds and only talking to your advisor once a year, a good advisor is going to want to check in with you quarterly and make sure you're on top of things, making sure they're making adjustments for the Fed, for COVID, for changes in the economic conditions or the political landscape. All of these things are important, and that's why it's important for all of you to share this podcast and share the newsletter with your friends,

Starting point is 00:23:10 your family and other people that are looking to create financial freedom because they will be on top of everything really kind of in a live manner to get all this information first and foremost to make sure you stay on top of things. Couldn't have said it better myself. So our next question comes from Brett S. Brett says, hey, I got a question for you both. I'm married with two kids. I'm 30 years old and I got a couple dreams. I want to retire early. I want to own a home and I want to travel with my family. I have a 401k and an IRA for retirement. For something like buying a home, where would you recommend I do this type of investing? Thinking of safer ETFs like SPYI, but is a taxable account best?

Starting point is 00:23:48 Or do I do this in my IRA and withdraw it? I don't know what's going on here. So, Brett, let me lay the foundation, right? You've got a couple dreams. I will be your illustrator and showing you the navigation on how to reach those dreams. Starting with the down payment. It comes back to Carson's question about if you have a large, purchase you're saving for, it's always a good idea, especially if it's over two, three,

Starting point is 00:24:11 four, five years to have that money work for you in the market. You just park it in a V-O-O and a VTI and let it roll. It's going to make that 8, 10, 12% per year and it's going to help you reach that savings goal just a little bit faster. And you do this inside of a normal, taxable account like public.com. Now, coming back to the idea of retiring early, you mentioned you have the 401k and the IRA for your retirement. That's awesome. You're off to a great start. The problem with that is it's not going to let you retire early. You can only touch the money in these accounts after you're 59.5 years old, which means there's

Starting point is 00:24:47 no early retirement here. You're already 60, 65 years old. So if you want to retire early, call it 52, 45, 48, I don't know, whatever you want to do, whatever that goal is for you, I don't know how much money you're earning. You need to open a bridge account. A bridge account is just an umbrella term for another taxable brokerage account, like on and you start putting money into that taxable brokerage account. You let it grow, grow, grow.

Starting point is 00:25:11 And once it's grown to $2,000, $600,000, you can now put all of that money into income-producing investments like SPYI and QQQQI and have it pay you now $456,000 a month of tax-efficient income. And that's going to help bridge you between 52 years old and 59 and a half years old, that seven-year gap allowing you to retire early where you couldn't touch your retirement funds at all during that seven years, right? We talked about this with our disagreements in Dave Ramsey episode where all these people that he talks to are like, yeah, I'm doing my investments, I'm doing the things, but like, I'm a net worth millionaire. I'm 47. I want to retire, but I can't touch the money. And Dave's like, oh, your shit out of luck, sorry, right? But it's like, we want to make sure

Starting point is 00:25:56 you're prepared for that. Therefore, you open a bridge account. Again, it's not a specific account. it's just a taxable brokerage account. It's just an umbrella term that we use. Yeah, I love this explanation, and that was a great episode, because it really helps people realize the strategies you implement early can define the difference between not only being a multimillionaire in retirement, but being able to enjoy it without the constraints that some of these retirement accounts put on you if you want to retire early.

Starting point is 00:26:24 So I love that message and just really helping people understand, you know, the macro part. of all of the pieces of the puzzle that need to fit together to give you that comfort in retirement with the right structure. Yeah, I think Brett, what's really important, and you need to listen to our episode calculating your freedom number, it is a very simple equation that you're trying to solve for, Brett. You're 30 years old, got a couple kids, you're married, right? You have a very clear reality in front of you today. And if you can say, okay, every single month, it costs me $5,500 to live between my rent, soon to be mortgage one day, right?

Starting point is 00:27:01 my groceries, the daycare, the car payment, whatever, right? If you know what you're paying to live and survive every single month, that means if there was an investment vehicle out there that could pay you that same amount of money, theoretically speaking, you're financially free. So that's what it means to retire early is how do I make money somewhere else that can offset my living expenses, allowing me to be financially free? Once you figure all that math out and you know what that number is that you're working toward and what the yield can look like on that and how it all comes together. I promise you're going to get

Starting point is 00:27:33 so motivated and so excited Brett. So we're rooting for you, man, and best of luck on achieving your dreams. Now, our last question comes from Ashmondaka. I hope I pronounce that correctly. They said, I started listening to your podcast and I've been encouraged enough to start my investing journey. I'm in my 30s and so as my partner. We purchased a house in Texas with a six and a half percent interest rate and the loan amount is $510,000. My salary is $115,000. And my partner's salary is 135,000. We're trying to invest in a 401k as well as our Roth IRAs into the ETFs you guys talk about. I've also started investing into a normal brokerage account through Fidelity. So can you please give us some suggestions on how we can maximize our investments and plan for retirement?

Starting point is 00:28:15 We were not able to invest before now because we were in school and we had some visa constraints. But it's all been resolved and we're really excited to get started. Robert, I'll let you kick this one off. Congratulations. You guys are in a great place. You have solved the not. number one issue in creating wealth, and that is being high earners. So you're definitely on the right track. You've resolved the issue with the earnings. You guys are crushing it. And we always say that you want to do up to the match with the 401k and then max out the Roth IRA. That is so important for you guys to understand because we want you to have some autonomy, but get free money from the 401k, but then also get the tax haven from the Roth. This is so, so important. So I think you're on the

Starting point is 00:28:59 track and you just need to have a little bit more understanding and a few tweaks on this and I think you guys will keep crushing. Yeah, if you guys are invested in the index funds and ETFs we talk about, it's just a waiting game at this point. I mean, they're at the point where they're taking home about $200, maybe $180,000 to $200,000 a year combined income of about $250, call it a 20, 22% effective tax rate there. So they're taking about $180 a year. It's called it $15,000 a month. between $15,000 a month and a mortgage on a nice house in Texas, as well as a couple other contributions in retirement accounts. I mean, you all are setting yourselves up for crazy success. The first and biggest piece of advice I could give you beyond what Robert said. You said you

Starting point is 00:29:40 want to maximize your investments, plan for retirement, things like this. I don't know what country you came from. You mentioned you had a visa, things like that. I'm not sure what opportunities you had with credit or debt or anything like that. But I think something that, a lot of the country that a lot of immigrants fall for is this idea of, you know, I can go into debt and start a business or I can go into debt and use it to go, you know, the rental properties or whatever else. Please stay away from high interest debt. I don't care if it's a personal loan. I don't care if it's a credit card. I don't care if it's because Costco wants to give you a 5% cash back with their car. I don't care what it is. If you can stay out of high interest debt, if you can

Starting point is 00:30:18 invest consistently, if you can have a clear plan and know where you're going at such a young age making so much money. You all are going to retire in 15, 20 years. Easily. Easily. I mean, oh my goodness, your incomes are insane. So again, we're here to root for you. You guys have a lot of hope in front of you. There's a lot of things to be excited about. But again, the biggest thing to be weary about here, just in general, is to stay away from this high interest debt. I'm not sure how you're marketed to or what's going on, but just be weary that it's not your friend. And despite people saying, oh, you got to build your credit score, do this or do that, you can do those things.

Starting point is 00:30:53 But you do not do those things by going into high interest debt. Definitely. Well, I love this episode. The Q&A just always crushes it. And I just love engaging with our audience and really just helping them figure it all out. And it's just so much fun for me each and every day. And we appreciate all of you coming back every week, giving us those five-star reviews, and just really helping us grow this thing.

Starting point is 00:31:15 It means the world does. And we enjoy it each and every week. Yeah, Robert, it's pretty cool. We have a average rating of 4.9 stars across over, 5,200 reviews on Spotify. That is unbelievable. With first off, whoever didn't give us a five star

Starting point is 00:31:30 to get us down to 4.9, what are you doing? We don't like that. If you can't say anything nice, don't say it at all. But we do appreciate all the five stars. And as always, if you have a question for the podcast,

Starting point is 00:31:40 Rich Habits Podcast on Instagram, we're verified. We have a little blue checkmark. Don't fall for scammers. Or email us at richhabitspodcast at gmail.com. And if you want to be a part of the rich habits network can get early access and learn more about what's going on behind the scenes there.

Starting point is 00:31:55 Email us, network in the subject line at richhabitspodcast at gmail.com, and we'll share some more info with you guys and get you guys all set up. Thanks, everyone, for joining us and have a great rest of your week.

Rich Habits Podcast - Q&A: Should I Buy an Investment Property, YieldMax ETFs, & Investing in My 70s

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