💰✨ What is the easiest way to become a millionaire? Spoiler: It doesn’t involve winning the lottery or inventing the next viral app. 😉 It’s… good old-fashioned saving. Yep — really! Fidelity reported a record 654,000 401(k) millionaires in the third quarter of 2025. That’s 100,000 more than in 2024! These folks didn’t stumble into millions — they simply saved consistently for about 25–26 years. The secret? 👉 Not speed. 👉 Not luck. 👉 Just steady, long-term saving. It might not be flashy, but it works. Slow and steady doesn’t just win the race — it retires comfortably. 🐢💸✨

Thank you for sending in all the questions! I'll address several of them on my upcoming posts! 🌟 Traditional IRA vs. Roth IRA — What’s the Difference? Great question! I get this one a lot! Here’s a simple breakdown: 🔵 Traditional IRA • You may receive tax benefits now, since contributions can be tax‑deductible. • You’ll pay taxes on withdrawals in retirement. • Required Minimum Distributions (RMDs) apply once you reach retirement age. 🟣 Roth IRA • You receive tax benefits later. Contributions are made after taxes, but qualified withdrawals are tax‑free! • No RMDs — your money can keep growing as long as you want. • You can withdraw your contributions (not earnings) anytime without taxes or penalties. 🔁 Thinking about switching? If you have a Traditional IRA or Traditional 401(k), you may be able to convert the account to a Roth — just remember you’ll owe taxes on the amount converted, but none of the future earnings. Want more information? Give me a call!

#MotivationMonday

I’ve always been an educator at heart. It’s something that has shaped who I am, and a gift I inherited from my dad. He was an educator too, and if farming hadn’t been his path, he would have made an incredible extension educator. His passion for learning and teaching is something I’m proud to carry forward. What questions can I answer about finances? Let’s open up the conversation — drop your question below or shoot me a message and I’ll answer your questions here!