Timothy Sumer

Let's discuss the 2023 Recession, how the Federal Reserve might be able to perform a Soft Landing, what this means for home prices, and how the IRS may be changing - Enjoy! Add me on Instagram: GPStephan | GET MY WEEKLY EMAIL MARKET NEWSLETTER: GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: THE NEW PODCAST: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF THE 2023 RECESSION: As The Boston Globe Pointed Out, throughout the last 6 recessions that have been confirmed…there is an AVERAGE LAG TIME of 7.3 MONTHS between the time a recession takes place - and the time it’s actually announced. in the 44 years they’ve been operating, they have never ONCE had to rescind or change their declaration - which means, they’re extremely accurat

Lets talk about how to retire in 10 year, starting with $0, and how you can build a portfolio of investments to cover your daily expenses - enjoy! Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & SEE MY STOCK TRADES - USE CODE GRAHAM: NEW BANKROLL COFFEE NOW FOR SALE: DOWNLOAD MY NEW FINANCIAL APP: JOIN THE WEEKLY MENTORSHIP - The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF NUMBER ONE: IT MAKES NO DIFFERENCE HOW MUCH MONEY YOU MAKE When it comes to achieving financial independence….it ONLY matters… how much of THAT income you can SAVE at the end of the day.  NUMBER TWO: SAVE MONEY What most people DON’T know is that, based on your own income and expenses, you can calculate how long it’ll take you to retire - at your current savings rate - in less t

Let's talk about Silicon Valley Bank, they're recent bankruptcy, how this will affect the financial markets, and how you can protect your money moving forward. Add me on Instagram: GPStephan | GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: THE NEW PODCAST: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: For business inquiries, you can reach me at graham@night.co *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The conte

Build a website with and use code GRAHAM at checkout for 10% off! Enjoy! | These are the money habits that keep you poor - Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: NEW BANKROLL COFFEE NOW FOR SALE: GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF MONEY HABITS THAT KEEP YOU POOR: Number 1: Lifestyle Inflation. This is what happens when spending increases right alongside your income - so, as soon as you start making more - you begin spending more. So, instead of spending more money, do your very best to keep your expenses at the exact same level and save the difference. The longer you can delay making those ‘nicer’ lifestyle purchases, the more you’l

Let's discuss my personal favorite index funds for 2023 and how you can invest throughout the next year - Enjoy! Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to and use code GRAHAM - Add me on Instagram: GPStephan NEW BANKROLL COFFEE NOW FOR SALE: GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF MY PERSONAL FAVORITE INDEX FUNDS OF 2023: 1. VTSAX / VTI This is a Vanguard Index Fund that encompasses the ENTIRE US stock market, for less than $100 per share. If there’s a small cap, medium cap, or large cap stock in any industry you can think of - this index fund probably owns a tiny piece of it -and, you get exposure to 4028 different stocks. 2. VFIAX / VOO This fund encompasses the SP500, whi

Contributions to a traditional 401(k) are taken directly out of your paycheck before federal income taxes are withheld. Because the contributions are pre-tax, it lowers your total taxable income which means you might owe less in income taxes, regardless of whether you itemize or take the standard deduction. It may even put you in a lower tax bracket! Your pre-tax contributions are then tax-deferred until you choose to withdraw them in retirement. The premise is that in retirement you’ll likely be in a lower tax bracket than if you were taxed on the money now. 401(k) Loan Basics Technically, 401(k) loans are not true loans, because they do not involve either a lender or an evaluation of your credit history. They are more accurately described as the ability to access a portion of your own retirement plan money—usually up to $50,000 or 50% of the assets, whichever is less—on a tax-free basis. You then must repay the money you have accessed under rules designed to restore your

Let's discuss the 2023 banking bailout, the Federal Reserve's latest thoughts, and how this impacts all bank customers - Enjoy! Add me on Instagram: GPStephan | GET MY MARKET NEWSLETTER: GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: NEW BANKROLL COFFEE NOW FOR SALE: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: For business inquiries, you can reach me at graham@night.co *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of

Can anyone contribute to a Traditional IRA or Roth IRA? Visit our website! 1600 Utica Ave S – 9th Floor Saint Louis Park, MN 55416 Disclosures: Investment advisor representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity.... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Backed IRA It's a common question: Can anyone contribute to a Traditional IRA or Roth IRA? The answer is yes, but there are some important conditions to consider. First, to contribute to a Traditional IRA or Roth IRA, you must have earned income. This means that you must have a job, be self-employed, or receive alimony. If you are a stay-at-home parent, you cannot contribute to a Traditional IRA or Roth

Today we're going to discuss the new tax policies, the changes being made, and how this will impact the market going forward - Enjoy! Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & SEE MY STOCK TRADES - USE CODE GRAHAM: NEW BANKROLL COFFEE NOW FOR SALE: DOWNLOAD MY NEW FINANCIAL APP: JOIN THE WEEKLY MENTORSHIP - THE NEW PODCAST: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF Now, as far as my perspective, I find most of these policies reasonable. The Backdoor Roth IRA Contribution is something that should have been closed a long time ago. Disallowing Accredited Investments SEEMS to be with the intention of PREVENTING the Roth IRA from being used as a tax shelter, rather than a retirement vehicle…and, for the vast majority of people…this won

Lets talk about how to build wealth during a recession - Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: - $100 OFF WITH CODE 100OFF THE NEXT RECESSION: EVERYTHING BECOMES LESS EXPENSIVE The way I see it - even though one person might think: “This is a bad time to invest…my stocks are down 30%” - a WEALTHY person would see this as an OPPORTUNITY to buy those exact same companies…for a 30% discount. LESS COMPETITION The fact is, when times are difficult - companies scale back, they fold, they conserve cash, and they play it safe - but, this opens the door for more aggressive, smaller companies to stand out and take their place. MORE O