Why Do I Need This?
There are three different approaches that people take with retirement planning.
Approach One: Avoidance
Low income earners and young people tend to fall into this category, and think that someday they will get around to looking into this whole "retirement thing" and get on track. The problem with this approach is that many people miss out on the most important years of their lives, and don't start investing until it seems too late.
Approach Two: Ignorance
This approach is slightly better, and most people fall into this camp. They go so far as to make sure that their employer is taking some of their money from their paycheck and contributing it into a retirement account. Beyond that, they have no retirement plan. They don't know what kind of accounts they have, how the money is being invested, or whether they are even using the right kind of retirement accounts for their situation. They are throwing money blindly into an account and hoping it all turns out OK someday.
Approach Three: Informed
After completing this course, you will be in the informed group. You will understand the differences between all the different retirement accounts there are, and which ones are best for you. You'll be aware of the differences in how you are taxed depending on the types of accounts you use. You'll have a strategy for moving between different retirement plans when it's most advantageous. You'll know what investment choices are available to you in each retirement vehicle, and be able to choose the ones that best fit your needs. In doing all the above, you'll maximize the amount you have in retirement - without changing how much you contribute.
By going through this course you'll know exactly what you need to do to maximize the amount of money you have in retirement. The best part is, none of this depends on your contribution amounts. This course is about getting in the fastest vehicles - not about how much gas you put in the car.
Other courses will focus on convincing you to spend less money now, contribute as much as possible, and defer your living until retirement. This course is about optimizing what you are already doing.
Don't wait any longer. The cost of avoidance and ignorance are high when measured over a lifetime. This stuff isn't complicated, it just takes a few hours of focus to understand. That's what this course will do for you. Sign up today and get your retirement plan on track to multiply your wealth as fast as possible.
Curriculum Preview
- What is a Retirement Account (8:25)
- Basic Rules for Retirement Accounts (3:39)
- Basic Rules for Retirement Accounts 2 (3:32)
- General Benefits with Retirement Accounts (4:51)
- Busting Myths about Employer Retirement Acccounts (6:10)
- This Course is NOT About Contributing More (3:08)
- The ONLY Goal Always (7:10)
- Intro to Employer Sponsored Accounts (1:43)
- Your Retirement Custodian (3:33)
- Employer Matches and Vesting (5:34)
- Default Investment Choices (5:40)
- It Belongs to You, NOT Them (1:52)
- What's Up with the Names? (1:46)
- 401(k) (8:19)
- 401(a) (5:58)
- 403(b) (4:42)
- 457(b) (3:20)
- TSP (6:40)
- Defined Benefit Plan (pension) (4:56)
- Intro to Conversions (2:01)
- Roth Conversions are Taxable Events (4:09)
- Spreading Out Conversions for Tax Brackets (7:34)
- Backdoor Roth Conversion (6:09)
- How-To Conversion and Tax Documents (4:52)
- When a Conversion Makes Sense (5:21)
- When a Conversion Doesn't Make Sense (4:02)
- Mega Backdoor Roth Conversion (7:20)
- Mega Backdoor Roth Conversion 2 (8:12)
- Beware of Recharacterizations (3:38)
- 401k Investing Defaults (3:03)
- IRA Defaults (4:38)
- Target Date Funds (3:32)
- Index Mutual Funds (8:17)
- Index ETFs (3:34)
- Active Mutual Fund (3:38)
- Active ETF (4:33)
- Self Directed 401k (3:33)
- Bank IRA (2:08)
- Brokerage IRA (4:20)
- Self Directed IRA (1:29)
- Self Directed IRA 2 (6:47)
- Self Directed IRA 3 (6:45)
- "IRS Approved Investments" Scam (5:21)
Get Access to All Courses with a Membership
Interested in more than one course? Sign up for a membership to Heresy Financial University. You will get unlimited access to every current and future course, and your pricing will never change.
FAQ
Is this course included in the HFU membership?
Yes, all current and future courses are automatically included in the HFU membership. Your membership pricing will never change.
How does this course work?
The course takes only a few hours to complete. The lessons are all video-based, only taking a few minutes per lesson. This ensures you can complete the course by fitting it into your busy schedule wherever it works best.